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

This account was opened in my name and it does not belong to me. 

XXXX XXXX XXXX {$1700.00} XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I paid in full my XXXX student loan in the amount of {$6300.00}. That payment closed out the account and brought it to a XXXX balance. XXXX never updated my credit report to show it was paid in full and with a XXXX balance ( last credit report update was XX/XX/year> ). XXXX no longer services the account and it's now serviced by XXXX ( even though account was paid in full and closed prior to being transferred to XXXX ). XXXX has provided contradictory information and stated that they updated the credit agencies on XX/XX/XXXX that the account was paid in full- the credit reporting agencies haven't received this information. I called XXXX today and was told that I have to send a letter to dispute the information and that it's not their job to correct incorrect information unless I send in a letter. This is unacceptable as it's still showing open with a balance. 

I have been lied to by XXXX multiple times about this. They have claimed to report this as paid off multiple times when it has not been. I previously submitted CFPB complaint XXXX that the credit report would be updated at the end of XX/XX/year>- it has not happened. I have attached proof as well that on XX/XX/year> that XXXX said they also reported it as closed and paid in pull.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Aspire/XXXX  and XXXX XXXX XXXX XXXX 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Finally got a chance to see my full credit report so while I was checking I noticed some accounts I never had and I wanted to get them remove because I feel that they are inaccurate. I have filed a FTC report and I contacted the creditors multiple times they have not provided me with any information!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX  XX/XX/XXXX Us Sm Bus Admin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : I am a XXXX XXXX. I am unable to work due to my XXXX I have been in deferment for quite some time. I am trying to purchase a house and all 3 credit bureaus has late payments that is holding me back. 
Account # XXXX XXXX shows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Equifax XXXX 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: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX XXXX, IL to pay a {$120.00} debt that I owned. On that same day I received a letter in the mail saying the bill had been sent to collections. I called the debt collector and told them I had just paid this with the hospital and I also provided my confirmation number for my payment. On XX/XX/XXXX I show that the {$120.00} that I paid to the hospital was taken out of my bank account. Now on XX/XX/XXXX I was left a voicemail by the debt collector saying I needed to call them. When I called I stated I did not have any outstanding debt that I know of. The case worker assigned to me was very rude off the bat for no reason. When I told her I had already paid this debt, the case worker was rude and adamant that I was wrong and that I still owned the money, that the confirmation number I provided, the hospital said I did not pay. When I asked why am I just now getting a phone call over a month later she said she has called and left many voicemails but I can also prove with phone records that I do not have a single call or voicemail from her. I stated that if she did call me, would she not think I would call her back like I am now, since I didnt believe I had any outstanding debt? She got even more agitated when I said this better not go against my credit because I know and have proof I paid it. After getting off the phone with the debt collector, I called the hospital and they even confirmed that I DID pay and my account had a XXXX balance. The hospital told me to ignore the collection agency but this needs to be resolved because I do not trust the caseworker to handle this professionally based off her rude attitude from the start. I own a business and if an employee talked to any customer this way they would be out the door.
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 accounts ( A ). It is not permitted to report these accounts 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 removal due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX / XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to inform them that they had information on my credit report that did not belong to me. Someone else 's name, address, jobs, and credit info was on my report. I expressed that I had the same problem with XXXX and they found someone else 's SSN on my report. XXXX pulled it from my report and the problem was solved. TransUnion told me that was not possible and to just dispute everything that was wrong and that was the best way to remove it. I did XXXX times and only a few things were removed, but not the names or jobs or most of the credit info. I contacted them many times explaining that the info did not belong to me but they told me that the info they had was what the companies were reporting to them. I called a few of the companies and none of them had any record of me having contact with them. I tried to get them to send something to TransUnion to let them know but they stated that because they had no record of me it was nothing they could do. Finally I requested someone higher in TransUnion call me and I told them what happened. They told me that I had XXXX SSNs on my report and that they would have the one that did not belong to me removed. This was after XXXX months of me trying to tell them that was the case. They sent me a full credit report and to my astonishment they had removed the wrong XXXX. I confirmed my SSN with the man XXXX times before we got off and it was still wrong. They refuse to remove it and put mine back and told me I had to prove my SSN before they would. They only option they gave me was to send a copy in the mail which I do not feel comfortable doing as I am constantly receiving mail that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Acct # XXXX reported inaccurate information to my credit report and Transunion has not removed it from my report. In the attachment you will see the account reporting inaccurately to the three major bureaus which is supposed to be permanently deleted and Transunion refuses to delete the account. Ive contacted and sent multiple letters but they refuse to delete. When accounts report inaccurate information this means that the account has not been verified and should be permanently deleted. The account history, payment history, dates open, and date of last payments are all reported differently.
Product: Credit reporting or other personal consumer reports

I was looking at my report an notice there were some things was not correct. I sent a letter to EXPERIAN but it has been more than 35 days EXPERIAN still haven't responded to my letter.That is a violation of 15 1681i ( a ) Under the USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and expect as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reselleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A )
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the consume 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

Hi My name is XXXX XXXX. XXXX XXXX. I am in the middle of purchasing a home for my family. During the entire home buying process I noticed a cc only credit report. XXXX XXXXXXXX. It was old, no longer was reporting-. I advised to my financial advisor and my XXXX XXXX the card was not mine, I was told file a ftc. I did just that. The account was removed off my credit and my wife and I were s relieved. 

Two weeks went by, I paid off my bills and got my score tot he highest it ever was. I went to my mortgage team and right as we were generating my credit report they noticed the account that was once removed had just come back on. It was removed off XXXX and XXXX how ever it re appeared back on Experian. 



I am being treated unfair. XXXX stole our local towns mail they stole the monthly statements making it difficult to pay my bill. Stolen mail. As the head of my family and the provider, I was not focused on bills. I just make money and pay them. However my wife noticed for 2 months we had not gotten the statement which caused me to be late. As a curticy we asked they remove the lates and in return they removed the act. 

Although removing the act made my credit drop- ( ( due to history - the card made XXXX % oof my credit ) I still didn't make it a big deal because the 2 lates being removed was a goal of mine together the best mortgage for my family. 

XXXX XXXXXXXX not only removed the act, but after 2 weeks they ut it back on with the same lates like it was a new account. It dropped my credit from a 700 to 60XXXX which is not qualifying me for a mortgage. 15USC 1637 ( a ) ( a ) and 15 USC 1666 ( b ) was attached along with a ftc report- In addition to it not being my fault for 2 late payments due to theft I am active military- I am protected from any of negative reporting due to the military act- XXXX XXXX has violated my rights and I am hoping you can get this matter taken care of- Two late payments that was not my fault is unfair. Contributory negligence states a person has a % of fault. In this -- - I have no % of fault. I was the victim, I filed a report. I followed protocol. 

Please get this cap XXXX act removed in its entirely- if they can not update XXXX lateness. 
it appeared on my credit as XXXX 30 days ( XXXX ) 60 days ( XXXX ) 90 days ( XXXX ) XXXX 30 days ( XXXX ) 60 Days ( XXXX ) 90 Days ( XXXX ) Experian 30 Days ( XXXX ) 60 Days ( XXXX ) 90 days ( XXXX )
Product: Credit reporting

I have disputed a collection on my credit report and it was verified with Equifax. I sent a debt validation to the collection company. The collection company sent me a print out on their letter head, using my current mailing address, my first name, someone else last name. This was previously deleted because the collection company could not verify. I have never had an account with XXXX and I have no idea who they are. I find it odd that Equifax can verify this and our last names do not even match.
Product: Credit reporting or other personal consumer reports

I have requested supporting documentation for 3 accounts marked as collections on my credit report. Each time the companies have responded as verified as accurate with no contracts and signature as proof and no method of verification provided. The most recent response from Transunion was marked verified as accurate and has different dates from the original verified as accurate response. XXXX also states the information is verified as accurate with completely different dates from the Transunion report and no supporting documentation. They should not be both reporting that the debt is accurate if the information presented does not match for both companies. 
The accounts could not be verified and I exercised my legal rights and requested they be removed to no avail. I have requested over 3 times that these accounts be deleted from the XXXX and Transunion reports due to erroneous reporting and avoidance of legal codes as required Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 
Dates of letters written to both Transunion and XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 
I am a XXXX XXXX and have served my community during COVID pandemic and have been a XXXX XXXX for over 15 years ; my credit is suffering. I am suffering. I am limited to funding for my endeavors for my XXXX XXXX  due to this reporting.
Product: Vehicle loan or lease

I paid off a vehicle with Santander XX/XX/XXXX, I submitted a request through the dealership XXXX XXXX-XXXX, Florida for refund of GAP insurance on XX/XX/XXXX, I never received the refund. In XX/XX/XXXX, I contacted the dealership and I requested the refund again, was given two different numbers to call. Contacted Santander again and their company called XXXX, I sent in the requested documents on XX/XX/XXXX. Still no response I resubmitted the request again on XX/XX/XXXX, I received a letter from XXXX that states the refund would be issued by Santander in 90 days to check back XX/XX/XXXX. I spoke with a representative at XXXX today and was told if refund is approved it would have a cancellation date of XX/XX/XXXX instead of the original date the loan was paid off in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate reporting of an account on my credit reports, which is associated with XXXX XXXX XXXX XXXX and has been managed by your organization, XXXX XXXX XXXX. This erroneous reporting has had a detrimental impact on my credit standing and necessitates urgent attention to rectify the situation. 

Upon reviewing my credit reports, I have identified discrepancies in the reporting of the account attributed to XXXX XXXX XXXX XXXX. These inaccuracies have adversely affected my creditworthiness, warranting immediate action to correct the record. 

In light of these concerns, I hereby request a comprehensive investigation into the account in question. Additionally, I kindly ask that you provide written documentation to substantiate the validity of the reported account, including but not limited to the following : Signed contracts or agreements relating to the services provided by XXXX XXXX XXXX XXXX. 
Valid photo identification associated with the account holder. 
Detailed records of service dates outlining the nature of services rendered. 
Comprehensive documentation indicating payment dates and amounts made towards this account.
Product: Debt collection

I was renting apartment in XXXX, MI and the utilities was submitted through the landlord. I notified the landlord that I was moving and set a date to move out. I move out on the agreed date. The landlord must of kept the utility bill running for months after I left. I never received any notice from Consumers energy or the landlord of any bill. I later received a phone call from a collection agency stating I owed on a utility bill from consumers energy. I was confused but I agreed to pay the bill but the company needed to remove it from my credit history etc- since I had not clue that occurred.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> :
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at Radius Global Solutions. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Radius Global Solution or the company the represent never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Raidus Global Solution that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

So Ive recently checked my credit report on XX/XX/XXXX,  and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be 13 credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, XXXX, XXXX and Equifax explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for XXXX., XXXX for XXXX, XXXX for Equifax they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : XXXX/XXXX/Equifax : 1. ) XXXX XXXX XXXX Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date :XX/XX/XXXX 11. ) XXXX XXXX XXXX Date :XX/XX/XXXX 12. ) XXXX XXXX XXXX Date :XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the 13 inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX XXXX : XXXXXXXXXXXX Phone : ( XXXX ) XXXX