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

Greetings, I hope all is well during these unprecedented times. I submitted a dispute letter concerning inaccuracies on my report on XX/XX/2020. I did not receive acknowledgement on the matter. To my understanding the company has XXXX to XXXX days to respond to my dispute. They are in violation of the fair credit reporting act. The inaccuracies on my credit report are severely effecting my credit score. I understand we are in difficult times but these inaccuracies must be corrected. Thank you & XXXX Speed.
Product: Debt collection

Upon receiving my court summons, I checked the date I was to be in court. The first date given was around the day I was being admitted into the hospital to deliver my child. I contacted the local office and was told to contact the plaintiff 's ( World Finance ) lawyer. I did so, explained the situation, and was given reassurance that a later date would be arranged, at which point I would be notified. That was the last I heard from him or World Finance. Unbeknownst to me, court took place and since I was not present, the judge automatically ruled in the plaintiffs favor. Not only Is that in itself wrong and illegal, I could 've fought the charges. I do n't know whether I would 've gained anything by arguing my side, but I did and do have the right to fight this.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep frustration and disappointment regarding the continuous presence of fraudulent items on my credit report, despite my persistent efforts to rectify this issue. The repeated lack of resolution has had a profound impact on my financial stability and has caused considerable distress. 

The fraudulent items, associated with account, were first reported to your agency. Since then, I have diligently followed your established procedures for disputing fraudulent activity, providing all necessary documentation, including police reports, affidavits, and supporting evidence to demonstrate the fraudulent nature of these entries. 

Despite my numerous attempts to rectify this situation, each met with cooperation on my part and compliance with your agency 's requirements, the fraudulent items persist on my credit report. I have made multiple submissions and engaged in numerous communications with your agency, yet the issue remains unresolved, causing ongoing harm to my creditworthiness. 

I am formally requesting the following actions be taken immediately : A comprehensive and thorough reevaluation of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand that errors can occur, but the continued inclusion of these fraudulent items on my credit report, despite my numerous attempts to rectify the situation, is both frustrating and damaging to my financial standing. 

Failure to address this matter within the exact timeframe from the date of this letter XXXX leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities. 

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries Occurred on my report XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Home XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received an email from XXXX stating my wages would be garnished XX/XX/XXXX as the result of a judgement I had no knowledge of filed against me in XXXX. I was XXXX years old in XXXX and can provide a copy of my drivers license to prove my identity. Obviously, Worldwide Asset Purchasing, who XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX is representing, is collecting a judgement against the wrong person. In addition to that, the 10 year statute of limitations for the state of Arizona has long passed. XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX, for Worldwide Asset Purchasing, are garnishing my wages illegally. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX XXXX XXXX, of XXXX XXXX, via email XXXX and explained that Worldwide Asset Purchasing, the company they are representing is collecting from the wrong person and that I was XXXX, turning XXXX years old in XXXX when the judgement was filed. I left all of my contact information and have had no return contact. As a result of XXXX XXXX XXXX and XXXX XXXX XXXX, of XXXX XXXX, helping Worldwide Asset Purchasing illegally garnish my wages, on XX/XX/XXXX, {$520.00} was taken from my paycheck for a debt that I do not owe. I have consulted an attorney which I will have to pay to represent me to stop this illegal wage garnishment, and will have to take time away from my job to collect papers pertaining to this case from the courthouse.
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Bull City I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim od identity theft. My information was used to open an account with XXXX. I have not authorized this account nor have I received any benefits from it. 
As soon as I found out about it, I contacted the Transunion and XXXX  and requested that they promptly block the information from appearing on my credit files. 
Instead of blocking the information, they just opened an investigation which did not produce any results. As of today, the account still appears on my credit file. 
This affects my ability to obtain credit.
Product: Credit card

I applied for a credit card with Wells Fargo on XX/XX/23 and got denied. Regardless of the reason for being denied, I, the natural person, have a right to credit. I am the cardholder and holder in due course. Pursuant to 15 USC 1602, I'm the one that came in with the credit card to initiate a transaction. It is not possible to get denied with something I came in with. An inquiry is a receipt of a transaction which means that somebody got paid but I did not receive any benefit in this transaction. I have been discriminated against under the Equal Credit Opportunity Act by which it states that it is unlawful for any creditor to discriminate against any applicant with respect to ANY aspect of a credit transaction. I have the right to open end credit plans in which I granted to Wells Fargo the right to extend credit. I've in good faith exercised my right and would appreciate Wells Fargo to approve my request expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last 4 SSN:XXXX My identity was stolen in early 2018 and multiple credit cards we taken out in my name. They were charged off and sent to collections. 
I have disputed these many times but the credit bureaus and the companies will not help me. Customer service for the companies and the bureaus would not help and remove and take care of the fraudulent accounts and inquiries reporting to my credit report. These are only a few of them I am requesting removed, along with there inquiries. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2018 Balance {$460.00} Credit limit {$350.00} Account type Charge Off Revolving Yes Open No XXXX XXXX XXXX XXXX. 
Account number XXXX Date opened XX/XX/2018 Balance {$0.00} Credit limit {$300.00} Account type Charge Off Revolving Yes Open No Authorized user No XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Account number XXXX Date opened XX/XX/2018 Balance {$870.00} Credit limit {$0.00} Account type Collection Revolving No Open No Authorized user No
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which voliate the Consumer Financial Protection Act ( CPFA ). Specifically, Cash App failed to take timely 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 Fraud 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, credit repair services, or other personal consumer reports

I went to apply for a car loan however I did not authorize the dealer to run my credit report for multiple inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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
Product: Debt or credit management

My name is XXXX XXXX I am writing to explain the circumstances surrounding the theft of my identity and the resulting legal actions. 

I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records. 

Due to the severity of this matter, the District Attorney in my XXXX, Tx reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name. As a result, the District Attorney moved to have my record XXXX I now have a signed order from the judge officially confirming the expungement of my record due to these circumstances. 

This legal action was necessary to restore my good name and to ensure that I am no longer held accountable for crimes or financial obligations caused by the perpetrator ( s ) of this identity theft. I appreciate your understanding of this matter and am willing to provide any additional documentation or clarification needed. 
I have contacted XXXX, XXXX, and TransUnion credit reporting agencies. And they continue to report account verified, with no proof that these are my accounts.
Product: Debt or credit management

I have been waiting for Shellpoint to provide all the account information to XXXX. This is my new mortgage servicer and the old one, XXXX tried to push me into foreclosure.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off on XX/XX/ I told the bureaus to investigate every piece of information on my accounts I listed before on the date I just mentioned on XXXX XXXX XXXX According to the FRCA the term of investigative consumer report means a customer report or portion thereof in which information on the customer 's characters, general reputation, personal characteristics, or made a living is obtained through personal interviews with neighbors, friends or associates of the customer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they stated my accounts were verified/updated but how is that possible if they did not do an proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 percent accurate and according to FRCA 15 USC 1681 everything has to 100 percent accurate.
Product: Student loan

I had issues with Sallie Mae previously where they " supposedly '' communicated with me electronically, and had changed my payment amount without my knowledge. They finally called me a week before the loans I had were to go 60 days late ( even though the issue was their change earlier than the agreed, and failed to communicate the change ). As a result of that, I constantly have to Decline for the to communicate with me electronically. In this case, working with them they were able to enroll me in a rate reduction program. Well, I have been still struggling to make the payments with this decrease, and now they have sent me a notification that it is about to expire. 
With the new amounts there will be no way that I will be able to make the payments, so I contacted them to ask for assistance. They told me I had no options at this moment. As I asked further their suggestion on handling the situation was to " XXXX ( XX/XX/2021, XXXX XXXX ) : If you are unable to make your payment on the due date in full, I suggest making a payment for the amount you can afford. In the event your loan falls past due by 5 days, at that time our in-house collections team will reach out to you and may offer options that we do not offer in the service department. " The problem with this, is that in order to even get the reduction, they " FORCED '' me to have auto debit so they just pull the payment. So there isn't even an option for me to " pay the amount I can afford ''. To make things worse here, is that since the marked all 3 of my loans as 60 days late the last time, my credit still has not recovered, so refinancing with a better lender is not an option ( and I applied to all of them ). I am really frustrated as Sallie Mae has seemed like a predatory since the start, and it still does not appear to be any end in site for dealing with this company.
Product: Debt collection

I have been informed by XXXX that I have been a victim of data breach that happened in 2017, XXXX and XXXX XXXX expressed the same sentiment as my information has been exposed to XXXX different breachs subsequently after the XXXX breach I would like the collection and the credit card account to be deleted from my report in a timely manner however they failed to do .that is the base of my complain and I seek deletion of the items in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act Bankruptcy, 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 I submitted a dispute on XX/XX/2022, the company responded with statement of inaccuracy, my dispute was not about accurate it was my right to privacy and furnish account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX in XXXX of XXXX and XXXX continues to report that I owe the entire balance of {$960.00} as of XX/XX/XXXX. Below is the letter that I faxed on XX/XX/XXXX ( XXXX ) to XXXXXXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Good afternoon, I am writing regarding my XXXX XXXX ( XXXX ) account, I was given a cancellation of debt, form XXXX which states that the creditor ( XXXX XXXX XXXX XXXX XXXX has cancelled this debt and no action is required. 

I am also aware that the amount in question has already been filed as income under my XXXX taxes, therefore I have already settled the balance in full. 

I called on XX/XX/XXXX and spoke with XXXX and she informed me that since a XXXX was issued that there is no option to make a payment on this account, but that she would notate my account. 

I called on XX/XX/XXXX to investigate further, and XXXX gave me the exact information that XXXX gave me, this debt has been cancelled and since the XXXX was issued in XXXX, I settled this debt via my tax return. 

I am in the process of purchasing a home and this account is impacting my credit score, it shows that I have been carrying this balance for the last year, but that cant be possible since I was issued a XXXX. I need to have the account balance updated to {$0.00}, or I need this account to show as settled in full, or I need this account completely removed from all three ( XXXX, XXXX, Experian ) credit accounts. 

Once the account has been updated to {$0.00}, settled in full, or removed, I am requesting that someone contact me via email ( XXXX ) no later than Friday, XX/XX/XXXX. 

Thank you for your prompt assistance regarding this matter.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) .specifically, cash app failed to take timely and effective measures to prevent and adress fraud on thier platform leaving my account vulnerable and unprotected. Furthermore, thier 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 loss and I seek appropriate redress. 
My cashapp is XXXX
Product: Bank account or service

My state issued ski payment was transferred over the phone on XXXX XXXX 2016 and i filed a complaint and had to go thrust a lot if run around to finally get the funds returned to me and this is once again happening on the XXXX of XXXX I tried to withdrawal the funds from the direct express card and the arm transaction was declined so I called and they said I tried to transfer money over the phone again and they expected me to fax a 2 forms of is so I went to the police department and they sent the 2 forms of is and after a bunch of return calls finally was allowed to withdrawal XXXX of the benefits at around XXXX and this is not the only card being fraudulently used so I needed to cancel all of my cards and I am trying to file for identity theft assistance I am not in a financial situation to continue fighting this situation please help
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 



Trans Union, XXXX, and XXXX have 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 an 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 items of information or 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.