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

I have disputed this company multiple times with the credit bureaus and cfpb and my issue with their erroneous and unlawful reporting has not ceased. I've asked them to provide me with proof that they were given permission to obtain this debt from the original creditor by me. I did not sign any consent forms in my name for any medical professional to sell or contract out any bills claimed to be owed by me. A bill does not prove that the debt is validated as mine. ARS continue to respond to my disputes with a statement saying the balance owed is reporting as correct. However the balance itself is not what i am disputing nor does it justify their unlawful acts. Below is a summary of my requests made more than 60 days ago. 

I received a bill from you .... and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from .... 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ... ... ... ... ... for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Reported to the Credit bureaus that I owed them XXXX $ but that was In correct because they Agreed to have it removed from my credit report. They Also stated that they will send me a letter to confirm that the amount was paid off. 

The issues are I ended the contract so they had no business adding a loan. Because I didnt owe them any money. I asked TransUnion to remove but instead they came back and stated that it was an actual charge. But it wasnt it was in correct
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX 100 % Service-Connected XXXX XXXX Veteran, and California resident, that has become extremely frustrated at not being able to obtain my ( 3 ) credit reports and FICO scores since XX/XX/2023. 

Attempts to call XXXX has taken endless hours of being transferred to a XXXX call center and as of today, XX/XX/2023 I still do not have access to my files. I have been transferred around the globe when speaking with XXXX and can not even speak with an executive in the USA. 

I am met with the same frustrations with Equifax and XXXX and I am tired of the long call times, outsourcing of my credit files to other countries and not being able to review my credit reports and FICO scores. 

The runaround is clearly elder abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 medical charges that ended up on my credit report with all 3 credit bureaus. XXXX   and XXXX have responded and stated that I was correct and these were not my bills nor could have provide valid proof and they have removed these from my credit record. Equifax on the other hand keeps saying that the charges are valid and will not remove nor prove signature they are mine. I show proof of ID and sign EVERY time I get anything medically done. Equifax has dropped my credit another XXXX points yesterday because of this and it is truly aggravating and destroying my credit that I have worked very hard on. Please show valid proof or remove these from my credit and store my points XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$240.00}
Product: Credit reporting or other personal consumer reports

I have sent numerous letters requesting approval and the strategy for how they approved different false and sketchy things on my credit report and have not gotten back anything in more than 45 days for these records that are obviously wrong and fake records. This credit authority is ignoring the law and exploiting buyers and this has caused large pressure in my life. The latest guaranteed letter I sent was XX/XX/23. 

These are the accounts and their account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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. 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

This account was opened on date XX/XX/XXXX and closed on XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Equifax failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account name : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've applied for two separate refi mortgages in the past year. Both times, after the company I am working with runs my credit, I am bombarded by phone calls ( over 100 ) from other mortgage companies with high pressure salesmen trying to get me to use them instead. I can not see how it is legal or fair for credit bureaus to share with other lenders that my credit has been pulled for a mortgage inquiry. This should be changed and the practice should be stopped immediately. 

I also do not know which agencies are doing this, as I as the consumer do not know which company the lender is using.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo XXXX XXXX  did not respond or finish my accounts investigation on time as of XX/XX/2020, this company received my dispute yet has failed to mail me any response first of all this alleged account XXXX is not reporting to XXXX XXXX Reporting standards and violates the fair credit reporting act by failing to complete an investigation in a timely manner and failing to ensure maximum possible accuracy before furnishing this account The XXXX Credit Bureaus also report this account with Multiple errors and incomplete data
Product: Credit reporting

judgment with XXXX had been resolved and needs to be removed from my credit report or marked as judgment satisfied. I already disputed this with XXXX and they deleted this file and I uploaded the receipts to Equifax and they have ignoredmy request to change any information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove 1.XXXX  XXXX XXXX XXXX  card Date opened XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX 3.XXXX Date opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

DEFAULT JUDGEMENT. I have made a complaint against TransUnion in reference to XXXX account that was being reported. I have attempted to invoice since removal and receiving my proof of claim from TransUnion. I fully intend to pursue arbitration/litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX reporting under15 U.S. Code 1681n - Civil liability. This is my 4th attempt, after this I will pursue arbitration/litigation if no resolution within a timely matter. I'll have my invoice and proof of claim/proof of removal of the XXXX reporting due to complaint/violations attached below.
Product: Checking or savings account

Every time I tried to use my card it would be declined, then I would have to call the bank and they would say they thought it was fraud. Then also the returned every check I wrote due to insufficient funds, when there was money in my account
Product: Payday loan, title loan, personal loan, or advance loan

Affirm advertises No interest loans. XXXX of my loans had no interest charge they were for celebrity cruises, made at the same time and the other one has interest. They did not sufficiently explain the difference, except that they go to different lenders to get the loan for you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. 

I recently reviewed my credit report and found some information which is false and I wish to have this removed. 

The information which is false and should be removed is the address ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. And the phone number XXXX.
Product: Debt collection

This company 's system generated my information in their database without my permission, i have no knowledge of this account whatsoever, and I contacted them and nor do they. 

I demand this account to be removed off my credit report, effective immediately as its impacting my livelihood.
Product: Vehicle loan or lease

I made a payment in full of {$2600.00} to Huntington Bank in person to pay off the loan on my car. Almost a month later, Huntington Bank took {$350.00} from my account for the car loan. The loan was not available to view online, and the banker told me the payment I made in full was all that was due. I contacted customer service with Huntington Bank who informed me there was no record of the transaction. They filed a case, and sent me a letter in the mail saying they could not find a record of {$350.00}. This was not the exact amount I gave them, and my bank ( XXXX XXXX  ) says Huntington took the money.
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 XXXXXXXX XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

Hi, I have noticed on my credit score report that I have a debt under collections from a COMMONWealth Financial Systems. I have tried to contact the organization in regards to my bill that was first charged for {$170.00}. However, after seeing my credit score report it says I own {$510.00} and I have not received any letter saying why am I being charge for, who is the provider, and why I have not received any letter notification. After speaking with several representatives at Commonweath Financial System, I have been treated very rudely, unprofessional, discriminatory ( due to my english being 2nd language/the debt collector was correcting my grammar in offensive way etc. ). I have tried to understand why am I being charge the amount, and why the amount has changed. The reply from the debt collector named Mr. XXXX said : " it is a XXXX bill, you can pay me {$350.00} and we will settle with that ''. Constantly, ignoring my questions and ignoring to further explain what is going on. I asked Mr. XXXX : " This means you are requesting my credit card number right now, with all my personal information without giving me any explanation or written form? ", Mr. XXXX, replied " Yes ''. I am afraid and confused on what is going on, yet I can not get any explanation. 
If this bill proves to be mine and accurate, I will do the best of my ability to take care of it. Please, provide me with an advice, suggestion, anything that can help remove this confusion. 
Thank you very much!
Product: Credit reporting or other personal consumer reports

These accounts were opened against my knowledge. 

XXXX XXXX XXXX - XX/XX/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 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
Product: Credit card or prepaid card

US Bank issued a card in my name in relation to a fraudulent unemployment insurance claim in WI. Fraud claims have been filed with the CFPB and on the US Covid Fraud complaint site. Until XX/XX/XXXX, I was unaware of the fraud, after doing a change of address with the USPS in XXXX I got a notice about the overpayment. On Monday XX/XX/XXXX, after calling WI XXXX about the fraudulent UI claims and finding out the payments were deposited in my name at US Bank called US Bank to report the fraud to them. I found out that the funds were on a US Bank Reliacard at which point the representative attempted to transfer me and we were disconnected. After calling back and getting connected with Reliacard and explaining the fraud I was placed on hold so that the representative could cancel the card, again the call disconnected. I did not receive confirmation of closure of the card. Later that day I received USPS mail notification of mail from US Bank. This contained a request from US Bank ReliaCard requesting I verify my information using a picture of my non-expired government ID and a selfie. And asked to provide it to an electronic service that is only usable via smartphone or tablet. Additionally, this communication was sent to a different address than what US Bank would have had on file and no phone number was provided to contact the Cardholder service department. No mention of this was made in my call on XX/XX/XXXX with the US Bank representative and the letter was dated XX/XX/XXXX. 

It seems very risky to me that any service provider would not have verified information for a full year on an account with active card and deposits. It seems none of the involved parties verified my identity and as such my financial information is out there with all kinds of unknown communication having been sent to this fraudster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Transunion XXXX supply me with documentation of their verification of the Bankruptcy on my credit file. Transunion Credit Bureau and XXXX Credit Bureau need to provide me with copies of all documentation associated with this Bankruptcy account bearing either a court order to place this information on my credit report or my authorization bearing my signature. This is the third time I have asked for said documentation from Transunion and XXXX. As of today XXXX/XXXX/2017, I have received nothing from Transunion or XXXX. <P/>Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts from my credit report. I am a victim of a data breach, and these accounts were fraudulently opened in my name. As such, I am requesting the removal of these accounts and inquiries in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$4000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$830.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second request to have this erroneous item removed from my report. Previously on XX/XX/XXXX, I requested to have collections that's presently listed as XXXX XXXX XXXX completely removed as this doesn't relate me. However on XX/XX/XXXX, I received an update from Experian regarding their results. What they did was adjust account type to remove the word " collection '', adjust the status to remove all previous details, and lastly remove all the blank payment history section.
Product: Credit reporting, credit repair services, or other personal consumer reports

A closed FHA account by XXXX XXXX continues to appear as a negative account on my credit profile after I have brought this matter to the reporting bureaus ' attention. Since my initial complaints only minor discrepancies were corrected in order to avoid deletion, I assume, but the account remains inaccurate and delinquent and I would like it removed in order to avoid taking the issue to the FTC and the FHA complaint board. I have written many letters and sent out evidence and paperwork supporting the inaccuracies found within the month-to-month history, dates and amounts regarding XXXX  # XXXX and I have received no resolution. As a result of my past disputes I have been harassed by XXXX XXXX with phone calls and letters asking me to stop disputing this with the CFPB. I have asked them to stop calling ; me as it is my right to dispute. I had no issues when I brought the same evidence via certified mail to XXXX  showing the difference of information which is misleading to my lenders and to my FICO score so what is the issue with Transunion and XXXX? Please validate your investigation or otherwise delete the account immediately.
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 is a Violation of the Consumer Financial Protection Act. Cash app Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account Vulnerable and unprotected. To add, Their dispute resolution is unfair and deceptive, as they did not comply with error resolution requirements under the Eletronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. I seek proper handling of these Violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid-19 XXXX XXXX XXXX XXXX allowed me to have a two month payment extension on my existing auto loan. I have made every payment on time since opening this account. Because of recent layoffs at my place of employment my financial situation is not the same as it usually is thus making it difficult to pay the loan payment in full or on time. I made an agreement with XXXX XXXX XXXX to remain current on my account but not pay XXXX or XXXX monthly payment. I have written documents stating everything I mentioned above from the loan company and myself. Unfortunately I was notified last week that my credit score was hit extremely hard dropping the total score 106 points. The reason for this decrease in score is non payment/ late payments reflected on my XXXX account. This should not reflect on my credit score and definitely should impact it negatively considering the legal written agreement between myself and the loan company allowing me to have a two month payment extension. I would like this removed and my score to go back to score it was prior to this information.