23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian I am writing to dispute the following inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit report, and I have identified errors that need correction. 

The items in question are : 1. Account Name/Number : I'm disputing everything on my account, charge offs, delinquencies, these banks that are saying I owe is not accurate information amongst other stuff on my account. 

Error Description : there has been a breach on you guys behalf and I don't know what's right on my account and what's not. So therefore someone need to validate and verify my information or take it off my credit report. 


2. ( Add additional accounts or issues if applicable. ) To support my dispute, I have enclosed copies of the following documents ( e.g., payment records, correspondence, identity documents, etc. ) that substantiate my claim. Please conduct a thorough investigation of these matters, correct the inaccuracies, and provide me with a copy of my updated credit report. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving this letter. Please notify me in writing of the results of your investigation and the actions taken. 

Thank you for your prompt attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information. 

Sincerely, XXXX XXXX Enclosures : see credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer services and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I have been working with the company 's trying to remove old and or inaccurate information from all XXXX credit monitoring agencies. They would constantly send letters staying that it seemed like a XXXX party was doing the request so no action was taken. It's becoming frustrating that I can not get the answers I am looking for with theses companies
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an dispute letter to all three credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute an erroneous loan account through XXXX, Experian, and XXXX. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( XXXX ) insists they sent the documentation that the loan was paid off on XX/XX/2023. XXXX is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with XXXX as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2021 a friend of mine send me {$100.00} thru XXXX by accident, I called and asked him why he was sending me the money, he said it was not meant for me, it was meant for someone else, so I sent the {$100.00} back on the spot, they stood as pending on my banks side and posted the following day causing my account to be overdrafts and being charged a {$36.00} overdraft fee, I have requested the bank to refund the fee but they said no, and now they are charging me an extended fee, which is another {$36.00} dollar, so in total I have been charged {$72.00}, this happened with SunTrust bank, now Truist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The recently received a copy of my credit reports from all three bureaus were XXXX collection company reports a debt on behalf of XXXX XXXX I requested a validation of debt from XXXX with no response then I filed a compliant with the CFPB were XXXX reposed by providing what they say is proof of debt the problem is 1 .... The consent to treat is dated XX/XX/XXXX ( which is typed ) and also signed and is a outpatient consent to treat ... ..since there was a hospital stay according to the bill there would be a consent to treat from the hospital stating inpatient consent the form provided is clearly a form from a regular doctor visit and even lists my primary care doctor 2. The responsible party name in the consent form is XXXX, XXXX XXXX 3. The bill provided shows a Date of service as XX/XX/XXXX to XX/XX/XXXX ( Which doesnt match the consent to treat form dated nearly a year ahead of date of service ) 4. visit number is XXXX according to the bill however the consent form reference number XXXX 5.The collection number did not provide proof that they were hired to collect on behalf of XXXX XXXX 6. I Do NOT have a contract with the collection company namely XXXX Since XXXX wasnt contracted by XXXX XXXX and purchased the alleged debt the fact that they provided my hospital bill is a HIPSA violation It is crystal clear that these documents do not correspond with one another which means that the collections company has not met the guidelines for validation of this debt and must REMOVE all negative derogatory items reporting on my credit file in regards to this collection Item I have attached the consent to treat provided by XXXX  I have attached the hospital bill provided from XXXX Previous response to CFPB compliant number and documentation attached
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My savings account has been repeatedly locked and my funds have been trapped in the account, despite multiple calls with specialists who unlock the account. I have asked specialists if I was able to transfer my money out and they confirmed that I could transfer the money out. I requested a transfer from Marcus to XXXX on XX/XX/23that was returned onXX/XX/23 because my Marcus account was locked. I called Marcus and my account was unlocked by a representative who said it would be fine to transfer the money. I requested a transfer from Marcus to XXXX  again on XX/XX/. This transfer was returned back into the Marcus account because, again, my Marcus account was locked. I called to unlock the account on XX/XX/ and was told that I had to submit an affidavit of identity before I could access my money that was locked in the account. I was told to call back in 1-3 business days because the affidavit required approval before Marcus would send it to me. I called 3 business days laterXX/XX/23 to check if the affidavit of identity had been sent, but the representative simply unlocked my account and confirmed that I could transfer the money out. I attempted to transfer my money out of the Marcus account, but once again the account was locked. During each call with a representative/specialist, I was given conflicting information about whether my account and funds were accessible. My mother received a voicemail on XX/XX/ informing me that my account had once again been locked and that I would need to call. I called on XX/XX/ to unlock the account and the representatives told me they had not put in the request for the affidavit of identity yet. The representative told me she would be asking the " upper management '' to approve that the affidavit of identity would be sent to me in the mail. I was told to call in 1-3 business days to check if the affidavit of identity had been to me from Marcus, XXXX I called today, XX/XX/. The representative on the phone said that there were no updates and that I am supposed to call in 3-5 business days. This means that my account and funds will have been locked for over a month before I can access them, and still Marcus does not give me information or help me access my funds.
Product: Credit reporting or other personal consumer reports

EXPERIAN has failed to comply and delete inaccurate accounts being reported to my report. 

XXXX. ) Account Name : XXXX XXXX XXXX, Account # XXXX This account appears inaccurately on my Experian credit report. Neither XXXX nor XXXX contains any record of this account. In addition I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy were violated under the FDCPA & FCRA. 


XXXX. ) Account Name : XXXX XXXX XXXX Account # XXXX This account appears inaccurately on my Experian credit report. Neither XXXX nor XXXX contains any record of this account. Additionally, as a charge-off, this account can not be validated without proper verification.
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian on XX/XX/2024 to open a dispute for the XXXX XXXX Account ending in XXXX because the account is reporting inaccurate data so Experian is in violation of the the law according to the FCRA ( Fair Credit Reporting Act ). No dispute has been started. They have not sent any proof of the account being verified or proof on how they were able to verify the account to be reporting accurately. They are clearly recording a violation of the FCRA. Along with the letter, I have sent a legible copy of an identification affidavit, drivers license ( front and back ), social security card copy, and a utility bill for proof and verification of myself. No credit repair company is involved, all documents have been sent from me, XXXX XXXX to the credit bureau. 

The tracking number for the dispute letter/document is XXXX and was sent via XXXX certified mail. The documents have been received at Experian 's address of XXXX XXXX XXXX XXXX XXXX CA XXXX on XX/XX/2024. The following link to access the tracking number for the documents sent to Experian is a followed. https : XXXX XXXX # Along with this CFPB complaint against Experian, I have attached all documents with the XXXX XXXX number to XXXX the documents being sent to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a credit card with XXXX XXXX  This report on my credit file is incorrect
Product: Credit reporting or other personal consumer reports

In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The accounts below have violated my rights.

15 U.S.C1681 section 602A. States i have the right to privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account whit out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

DELETE DE ACCOUNT BELOW XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX
Product: Credit reporting or other personal consumer reports

I am writing to XXXX  my disappointment upon reviewing my updated credit report today, which revealed the presence of inconsistent, incorrect, and misleading entries that your agency has furnished on my files.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, I purchased an item at XXXX worth {$110.00}. I used the XXXX  application called Afterpay with I have used beforehand for many purchases at XXXX and at varying other locations. I returned the item at XXXX XX/XX/2024 and about a week later I contacted Afterpay as the refund has not processed. They said that I would have to wait a couple more days or I would need to contact where I purchased the item from to receive more information regarding this issue. I contacted XXXX approximately XXXX weeks after refunding my item and has said that the refund was still processing. On this day XX/XX/2024, i contacted XXXX again to see what the issue was as I have not received my refund from my purchase and they told me to contact Afterpay which I did. Afterpay then told me that the refund process was not sent by XXXX and thus I can not receive a refund in my purchase which I returned. I then contacted XXXX who said that they indeed sent the request for the refund and that it was up to Afterpay to accept the request or the system to refund the amount which I paid for which I sent to Afterpay in an email. They then said that I would have to contact XXXX again as they have not received anything and it has been a back and forth of both companies sending me to send emails to each other, however I do believe its an issue regarding Afterpay as they are not giving much help referring this issue and are refusing to elaborate on what I should do.
Product: Money transfer, virtual currency, or money service

Someone hacked into my 4 cash app accounts and I have tried to contact them for 7 days no one answered or I was told they cant do anything and cant help me recover ny account which had XXXX on it and XXXX was sent out on XXXX
Product: Consumer Loan

have an ongoing case ( XXXX ). I am a victim of a fraudulent car loan. The vehicle I purchased throu h have Gateway One Finance is a Lemon vehicle and is not sellable. The partial response received from Gateway One through CFPB was the first written response to my situation with the lender. I was told as I stated in my previous complant filing by XXXX at Gateway One that they do not send written notification of a fraud investigation and their findings to their customer. In Gateway One 's response, they sated that they have been reporting to the credit bureau that my account in a dispute status. This is absolutely not true. This instuition is now damaging my credit report by reporting late payments. The statement that the representative wrote in response to my CFPB complaint is about reporting dispute status is just another deceptive practice used by this institution and is steadily causing damage in my financial and credit situation.
Product: Student loan

I am currently under SAVE repayment for my student loans. I have made XXXX qualifying payments for XXXX. I expect to reach XXXX qualifying payments XX/XX/XXXX and qualify for XXXX. 
In early XXXX I submitted documentation for employment certification form with Mohela to have my payment counts updated. When they processed this on XX/XX/XXXX Mohela put my account in administrative forbearance. I am concerned that if my account is in forbearance than my payments will not qualify for XXXX. I do not give permission nor do I want my account to be in forbearance. I immediately used the Mohela account messaging service to request my account be in SAVE repayment and not under forbearance. I have not received a response. On XX/XX/XXXX I called Mohela ( which typically involves a several hour wait to get someone on the phone ) I was advised by the customer service agent that my account would be placed back on repayment and not be in forbearance. Unfortunately, my account was never taken off of forbearance. On XX/XX/XXXX I made another attempt to call Mohela but I could not get through to an agent and while waiting the line would constantly drop and I would lose my place in line. On XX/XX/XXXX I called Mohela again and I spoke with XXXX. She also assured me the forbearance would be taken off and my payment would qualify. She asked that I go ahead and make a payment which I did although my account is in forbearance. I then asked if the payment " should qualify or most certainly will qualify '' and she could not clarify. XXXX put me on hold and contacted an unnamed supervisor and assured me that my forbearance will be taken off and that my payment I submitted this day will qualify as a XXXX monthly payment for XXXX. However, following the conversation my account still shows that I am in forbearance. I have not received anything in writing that my payment has qualified. I sent messages to Mohela on XX/XX/XXXX as well as XX/XX/XXXX that have gone unanswered.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Product: Debt collection

I noticed on my XXXX XXXX and XXXX XXXX  credit monitoring that an account I did not open or know about was on it. It is {$1000.00} and I want this off of my account. It says IC System. This was opened fraudulently and needs to be taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the XXXX XXXX XXXX and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the XXXX Web Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized Hard Inquiries.
Product: Checking or savings account

There was a fraudulent transaction through XXXX  using my debit card. I paid the seller the money but he never gave me my items. So took to 2 transactions of {$48.00}. I contacted Bank of America and they opened a claim and recently the claim was closed and not resolved. I would like the claim to be reopened so I can receive my money back. XXXX also said to contact Bank of America
Product: Debt collection

I have repeatedly requested that Pinnacle LLC / Resurgent provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX Credit Card account that was removed from my Equifax Credit Report approximately 6 months ago. At this present time XXXX XXXX is currently on my report once again.