23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint myself to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and removed on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court
Product: Credit card or prepaid card

you cant even talk to someone about your problems because they only do email and you still dont get the issue resolved cash app is a horrible app an has taken thousands of dollars from me an never have i once talk to a real person to get my issue fixed on so many occasions
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, XXXX, XXXX and XXXX XXXX and Portfolio Recovery on XX/XX/XXXX. To this date i have not received a response back regarding the fraud listed on my credit file. 

The collection listed on my file is fraud and should be removed as it is causing hardship with my life plans. I the consumer should not be suffering because of identity theft. 

According to the consumer law 15 U.S. Code 1681c2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such an agency.

1. Portfolio Recovery - XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX No account number listed XXXX. XXXX - XXXX XXXX XXXX XXXX - NO ACCOUNT NUMBER LISTED
Product: Credit reporting or other personal consumer reports

Toyota is reporting inaccurate information on my credit reports which I have disputed with XXXX, XXXX, and XXXX and have been doing so for months now. They are reporting this account as a charge off after they reported it as a repossession. This negligence on their part has caused me to be denied for federal employment.
Product: Debt collection

XXXX XXXX XXXX claims I have outstanding debt with them. This is a liability that they are fraudulently attempting to collect from me. I assume the result of identity theft. I have never heard of them, or of the original creditor ( XXXX XXXX XXXX ) that they claim the debt stemmed from. I have never been contacted by XXXX XXXX XXXX, and the first I heard of XXXX XXXX XXXX is when I learned of the derogatory remark on my credit report. They have NEVER even attempted to contact me. 

On XXXX/XXXX/XXXX, I submitted a dispute through their website. They have yet to respond to me, as they know they have acted with reckless disregard and are at fault. See attached for confirmation of the dispute I filed.
Product: Debt collection

Oh, the course of multiple years, Ive been trying to remove multiple accounts on my report that I did not open nor own and experience has been giving me a really hard time, removing them all at once and only removes one at a time as you can see in the attached report recently Received
Product: Money transfer, virtual currency, or money service

I've had a Cash app account for at least XXXX years now. My daughter who is XXXX, opened a minor account sponsored be me earlier this year. She wanted the account to be able to easily receive funds from family and friends. She has a pre-paid card to use funds in her account, I do not have a card for my account. On Friday XX/XX/XXXX my daughter temporarily logged out of her XXXX ID account on her phone, where the Cash app application is stored, and simultaneously began to see transactions declined when she was out shopping. She also noticed she no longer had access to the funds added to the account that were given to her by her father for XXXX. She contacted Cash app support on XX/XX/XXXX via chat and was instructed to have her sponsor, me, contact support to rectify the situation. Neither of us ever received notifications via email, phone, or app notication alerting us of ANY issue. I reached on XX/XX/XXXX via chat and was told they needed to verify my address and they provided a link to upload the acceptable documentation. This was confusing to me, as my account didn't contain my address because it wasn't a requirement when I opened the account, only my bank account information and email. I was never told what the problem was that caused the account to be frozen. After chatting with them again and still never receiving an explanation, I uploaded the document in an effort to just resolve the matter and have her regain access to her funds. I was told the matter was escalated to a Specialty team that would reach out to me via email. Later that day I still hadn't been contacted so I called, told the representative I uploaded my water bill as proof of address, and was told the " Specialty team '' would contact me with the next steps. It is now Wednesday, XX/XX/XXXX and I still have not been contacted, have no more information, including when this will be resolved, and my daughter does not have access to her money. I contacted them via chat today and keep getting the same response about the " Specialty team '' contacting me and nothing more. They won't even provide a number or email to said team for any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15. U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consuming 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnished 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CAR LOAN HAS NOTHING TO DO WITH ME. IT'S ALL PAID FOR ... THIS FRAUD ON MY REPORT ON XXXX
Product: Checking or savings account

I hope this message finds you well. I am writing to express my frustration and seek your assistance regarding an urgent matter that has arisen with my account. 

On Saturday, I deposited my check, and at the time, I was informed that the funds would be available the following day. Given that it is now Monday and the funds are still not accessible, I find myself in a challenging situation that I did not anticipate. The delay in the availability of my funds has significantly impacted my ability to provide for my family, particularly in purchasing food for my children. 

As a customer, I rely on timely access to my funds for essential expenses, and I trusted that the information I received would hold true. Unfortunately, this experience has left me in a difficult position, and I am now concerned about my ability to meet the immediate needs of my household. 

I kindly urge you to look into this matter with urgency. If there has been an error or if further action is required on my part, please let me know. I would greatly appreciate your prompt response so that I can resolve this situation and ensure that my family has access to the necessary resources. 

Thank you for your attention to this urgent issue. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported these inquiries to XXXX Who insisted that the addresses listed in my pdf warning letter to them were valid even though they are not legitimate addresses Nor do they belong to me One of the address doesnt even exist yet they continue to allow it to negatively impact my credit profile while attached to fraudulent debts
Product: Money transfer, virtual currency, or money service

Referencing USAA fraud investigation number XXXX, I received notification of an incorrectly disclosed mortgage cost resulting in a refund check of {$2400.00}, stating that the check had already been sent separately. After a month or so, figured out with USAA that the check had been cashed, the screenshot of signatures was a set of fraudulent signatures, not my wife and my own. I initiated a fraud investigation with USAA and received by mail the required forms. I submitted the forms by mail no less than 6 times with slight variations on the way in which they were to be filled out, often requesting information formats from previous iterations. I submitted the last iteration with a signed letter, the text of which is copied below. A month later I received notification saying that the fraud investigation was being closed since too much time had passed. This was clearly a stalling tactic in order to reach this arbitrary deadline with no intent of paying the money that was incorrectly withheld years ago. 

The following letter was mailed to USAA in response for another variation on the same form, which was also included. 

Attn USAA Fraud Investigation personnel, Referencing USAA fraud investigation number XXXX, I have received multiple requests for the same enclosed form requesting slightly different variations of information each time as documented in the attached. The latest request asked that I fill out section XXXX statement of fact which is clearly marked in instructions as information provided by the maker ( the entity who wrote the check, which is you, not me ). 

This is clearly an attempt to not address the issue at hand which is an overcharge for services {$2400.00}, the loss of a check ( I still have not received information from USAA on where the check was mailed ) and the resultant loss of income that could be made from that amount of money during the time lost which is significant in today 's economic climate. If I receive another request for the filling out of the chase declaration of unauthorized endorsement or altered item form with slightly different information requests, I will be elevating this case to the consumer finance protection bureaXXXX and closing as much business with USAA as I possibly can. Please resolve this issue as soon as possible, the service level is not acceptable. 

Please address any questions to to myself at XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support the credit bureaus claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me. XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

Filled dispute for fraud charges made to card reported on XX/XX/XXXX immediately they close down cc. They would send out replacement card should received within couple of days. I placed a call informed would receive card on XX/XX/XXXX called several times every agent overseas not onshore agents. Informed me I would get the card. Money on the card they refuse to issue my money. Then, called spoke with supervisor inform me would be here on XX/XX/XXXX still no card. Need my money back and to close out this card. Has been nothing but trouble with this card.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/XXXXi begin calling to request 15 u.s. code 1681c on all hard inquiries bein reported on my credit report. In XXXX i paid a company XXXX XXXX XXXX XXXX XXXX to get the exact same hard inquiries removed that had been popping up and continued to be repeatedly reported as new inquiries on my report. nothing was removed in XXXX, so in XXXX i myself called and wrote letters with these same request, all were ignored by XXXX, equifax and XXXX removed some things but not all. so i again in XX/XX/XXXX i hired XX/XX/XXXXto dispute these things that were not only being reported on my credit report still but they were being reported with updated dates as though they were recent and not already old, over the phone i was cursed out, told to hush, and hung up on, still no results, at this point i don't know what else to do, but i would like all hard inquiries and collections to be removed from my credit report due to section 15 U.S. Code 1679c. They have violated section 15 USC 1681b, i did not consent to any of those and have correctly multiple times asked for an investigation to be done only to be told it was all correct and the original dates on them to be updated as to last even longer on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  XXXX. Has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without 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, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
Product: Debt collection

I have contacted EOS CCA via certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from XXXX for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Therefore if XXXX can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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
Product: Vehicle loan or lease

I found out midway through the loan that it was interest only. After paying 4 years in and still not having any amounts reduce the financed amount. I was told and encouraged to go through the company 's rewrite service which would reduce monthly amount. I was told I needed to pay up 25 payments in order to qualify. Which I did in XXXX. I was supposed to have entered the rewrite process but it did not happen. At the time I was told bc I wasn't current. So I paid the bill current in a lump sum amount and again for the 2nd time in XXXX, the rewrite did not happen. The reason, bc the request was never put in and another bill had become due. At this juncture, I began falling behind again. My most recent request, XX/XX/XXXX, I was able to save up and pay another lump sum ( {$1700.00} ). Was told the process would take 14 days. When I went in to pay my XXXX bill, the rewrite again did not happen. This time stating I failed to call back and request. Each time I make the lump sum, I have confirmed the request for rewrite. Which is the reason I have paid the lump sum. I called back to confirm my payment but again, the company has failed to process and charged fees, to which will cause me to fall behind again. It is starting to appear fraudulent. The many requests for extra money, piling on of fees, and failures to process requests as discussed. They have managed to gauge over {$30000.00} for a car with barely {$19000.00}. And we still owe {$13000.00}. They are a complete fraud!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad accounts appearing on my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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
Product: Checking or savings account

I was originally hired by a construction company to do work to be a virtual assistant. The guy sent me a check by email and asked me to deposit it into my account so I could buy equipment to start working next week. Check was deposited and my account was automatically restricted and frozen.
Product: Debt collection

XXXX XXXX XXXX or XXXX is a third-party collection agency specializing in student loan debt. XXXX has received many complaints from consumers alleging violations of the Fair Debt Collections Practices Act ( FDCPA ) such as using inappropriate communication tactics and making threats. 

XXXX violations that include illegal disclosure of information, failure to verify debts, improper communication tactics, and making threats. 

XXXXs failure to establish recurring authorization of electronic funds transfer before payments are taken from bank accounts violates the EFTA. A second charge attempted to establish XXXXs liability for violating the FDCPAs provisions against unfair or unconscionable means to collect or attempt to collect any debt. 

debt collector attempts to collect more than you allowed for settlements debt collectors attempt to intimidate you Criminal accusations are being made Use of obscene language during an attempt to collect such as cursing Automated robocalls are being made to your phone in an attempt to collect without prior consent for dialer calls to cell phone. 

Phone messages are not being returned in 24 hours.