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

I am writing to formally dispute inaccurate and unauthorized information appearing on my TransUnion credit report. These accounts were added due to a data breach and are not authorized or representative of my financial history. I request immediate investigation and removal of the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), I assert the following rights and request specific actions to address this issue : Under 15 U.S.C. 1681i ( FCRA 611 ) : I request that the disputed information be investigated and verified as accurate. If the disputed accounts can not be verified, they must be deleted from my credit report.

Under 15 U.S.C. 1681e ( b ) ( FCRA 607 ) : TransUnion is obligated to ensure maximum possible accuracy in reporting my credit information. These accounts are inaccurate and result from identity theft or misreporting tied to the referenced data breach.

Under 15 U.S.C. 1681c-2 ( FCRA 605A ( b ) ) : I request that these fraudulent items be removed as they stem from a breach of my personal data.

Under 15 U.S.C. 1681g ( FCRA 609 ) : I request access to all documentation, records, and communications related to the inclusion of these accounts on my credit report.

Given the widespread data breaches that have affected financial institutions and compromised consumers ' sensitive information, I believe these accounts may have been fraudulently opened or erroneously reported. I demand that these accounts be thoroughly investigated in compliance with FCRA requirements and deleted from my credit report if found unverifiable or inaccurate.

Additionally, under the Federal Trade Commission Act ( 15 U.S.C. 45 ), it is illegal for businesses to engage in unfair or deceptive practices. Reporting inaccurate or fraudulent accounts on my credit report due to negligence in protecting consumer data constitutes a violation of this statute. 
I have attached all relevant documents to support this dispute, including copies of my TransUnion credit report highlighting the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never a past due, I never made a late payment on the accounts ever, change this, reverse the late payments I have a good relationship with these creditors. Not to mention they will not give me an explanation as to why they wont fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I sent a letter to Capital One requesting information to validate a debt that the company is falsely reporting on my consumer report. As the consumer I am aware that I am a natural person and the one able to validate any alleged debt. My request was for documentation that funds are owed and that I have entered a contract with Capital One. The company responded on XX/XX/XXXX stating that its reporting is correct and refused to provide me any documentation of the alleged amount owed. In fact Capital One 's response reflects an account number that is significantly different from what is reported on my consumer reports. I am confused how the company claims that its reporting is correct. I feel as though I am being taken advantage of and my concerns are being disregarded.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and finical loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them requests, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX - XXXX Balance {$3800.00}
Product: Credit reporting or other personal consumer reports

Affirm report XXXX loans late after offering late payment forgiveness. 
I paid XXXX loans in full and XXXX is still reporting that I have late payment and opened balances which is a lie. 
I asked if they record past calls, they said yes, I explained they never disclosed they were recording calls and did not have my consent. I requested all recordings and they said they don't give those out. 
I requested copies of letter stating that they would report me if payments were late, they said they do not mail letters. 
I asked them to mail my pay-off letters they said no. 
I made XXXX disputes/ disputing all XXXX loans with Experian and affirm lied and said loans are not paid and still opened.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

I disputed it with the CRA, the Dept of Ed the person who reported the inaccurate amounts, and XXXX the debt collection XXXX, who reported the inaccurate amounts to the Dept of Ed.
Product: Debt collection

I have a collection listed on my credit report from Enhanced Recovery Company ( ERC ). I have not received information on this debt prior to it being listed as derogatory on my credit report ( s ). I attempted to contact the company via certified mail XXXX/XXXX/2017 to validate/dispute this account. Return receipt shows that my letter was received by the company. I asked the company to reply within thirty days. It has been more than four months and I have yet to receive a response. This debt should not be listed on my credit report or attributed to me in any way. Thank you.
Product: Money transfer, virtual currency, or money service

I am filling a compliant against cash app/ Block, inc. Due to inadequate customer service and unfair practices which violates the customer financial protection act ( CFPA ) Cash app has failed to take timely and effective measures to prevent and address fraud on their platform which lead my account vulnerable and unprotected. Furthermore their dispute resolution was a fair and deceptive as they didnt apply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulations. These actions had caused significant inconvenience and financial losses, and I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX has two fraudulent accounts on my experian and XXXX  credit reports, these accounts are not mine please remove these accounts, my name has been used and compromised, im filing this complaint and attaching a ftc identity theft report to this complaint, I am now suing several companies for opening accounts with out my permission, I will seek legal action if not taking off my credit reports XXXX, do not ignore this ftc identity theft report it acts the same way as a police report, it is signed be me and it has a case number attached
Product: Debt collection

QAR are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. QAR are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by QAR pursuant to 15 USC 1692k civil liability.
Product: Mortgage

On XX/XX/XXXX, I submitted a loan application to Rocket Mortgage to refinance my property. All documentation requirements were met within 10 days based on the documents that were listed at Rocket Mortgages online portal. My credit score is over 715 at all three credit bureaus. I've had over 8 mortgages in the past 20 years and they were all paid as agreed without issues. 

The matter of child support arrears and unknown issues such as the possible existence of alimony stemming from my XXXX divorce was raised ( on the phone only ) as the only areas of risk. Rocket Mortgage requires any such debts to be paid off similar to existing mortgages on a subject property EVEN IF THERE ARE NO LIENS. 

On the matter of child support, I provided an order from the Court terminating monthly child support payments effective XX/XX/XXXX. At the time of the loan application, I had a balance of approximately {$11000.00}. 

On XX/XX/XXXX, the Title Review and Appraisal were completed with no issues that would prevent loan approval. THERE WERE NO LIENS ON THE PROPERTY. 

On XX/XX/XXXX, I spoke to the loan officer and was informed that the primary reason for cancellation is my unwillingness to provide Rocket Mortgage with a copy of my XXXX Divorce Degree for the purposes of establishing whether I owe alimony to my ex-wife or any other divorce-related debt.
Product: Credit reporting or other personal consumer reports

Experian is reporting Inaccurate information on my report, that isnt mine. They are in violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy- ACCOUNTS XXXX XXXX  XXXX XXXX XXXX ( LATE PAYMENT ) FCRA VIOLATION- 15 USC 1666b- TIMING OF PAYMENTS STATES : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 



Also they are in violation of 15 U.S.Code 1681e ( b ) Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Student loan

I have a private student loan with Naviant, which was with XXXX prior. I have had many discussions with them in the past and just recently, that I can not afford by monthly payment of {$130.00} per month on a loan amount of {$9600.00}, with 7 % interest. I was told even if I refinanced with them to 1 %, it would n't bring my payment down to {$50.00} to qualify for a new payment plan. So, I did n't qualify for a lower amount. Navient does n't work their clients, they gave me me no options, and told me to pay it or default and they will garnish my wages. My father is a co-signor on this loan, he is in his XXXX, he wo n't be paying this if I default on it. So, I am stuck and ca n't afford to pay it.
Product: Debt collection

FCRA 604 Permissible Purpose FCRA 609 Disclosures to consumers Enhanced Recovery Company is not licensed in VA to XXXXecovery debts as a collection company.
Product: Mortgage

Loan xxxxxxxxx. I am a XXXX XXXX XXXX military veteran. 
Texas and XXXX XXXX provide a tax benefit to veterans on their home, homestead, etc. My loan was acquired by pennymac around XXXX XXXX. I have been fighting with them since then to add my exemption around XXXX. Ever since XXXX has taken the loan I have been unable to get the exemption and XXXX has now sent me a letter saying that my escrow is low and they want more money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again. 
XXXX XXXX XXXX XXXX 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 Balance : {$4900.00} XXXX  XXXX Balance : {$3000.00}
Product: Debt collection

I am unaware of a debt that I owe from a Mississippi XXXX bill to which the Jacob 's Collection agency calls me twice weekly to tell me that I owe. They said it was for two years and one was for the year 2008. I have never received the initial bill so I can not argue the claim. Regardless, they call threaten to garnish my wages, report to my credit, etc.
Product: Credit reporting

My only name is XXXX XXXX XXXX. I see another name, XXXX XXXX, listed. I think it 's a typo.
Product: Debt collection

-On XX/XX/XXXX letter was received from Portfolio Recovery Assets denying my dispute. This dispute was due to identity theft back in XXXX. Portfolio Recovery Assets states they have completed their investigation regarding the debt and established it was valid. However, they only sent me statements from the original creditor which shows an incorrect address I have never been associated with as well as around the time my identity was stolen.
Product: Credit card

I made a payment after I spoke with a customer service representative who informed that my account was active and would not be closed as long as I made the payment. After I made the payment my account was closed.
Product: Checking or savings account

I have been banking with Wells Fargo for a couple months I have been having alot of issues with them since I have been banking with them. 
I had an issue with them giving me my {$300.00} bonus offer!!!! and now I have an issue again with them closing my Wells Fargo account!!! I had {$500.00} in my account and they closed it!!!! then they stopped my online banking acess as well!!! it's always something with them!!!! all I want is my money back so I can take my business elsewhere!!!! please help!!!! my child didn't get to have a good XXXX because of this!!! this isn't right!!!! because of them my son will not get his ssi money on time and I have to find a new bank!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have been trying to get this issue resolved for months. Experian keeps giving me the run around. I completed a dispute and they did nothing but gave me an excuse why they did not address my concern. I have told them time and time again that this is not my account I have never opened an account with XXXX XXXX and I have no idea who did. I also have several other attempts on my credit report where someone tried to open an account at XXXX XXXX XXXX and XXXX CARD. Please help me get my credit report to show the correct information and delete these things.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I dont recognize the following accounts in question. Im a victim of identity theft, and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warning Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

All three agencies became aware of a collection account from a company called collections services that called themselves doing a collections on behalf of XX/XX/XXXXwhich in my previous complaint I submitted to the cfpb that I in fact did not owe anything to progressive and definitely did not owe this collections agency due to the fact that I have never done business with nor do I have a contractional agreement/ promise to pay or anything like that with said agency. I asked for a swift resolution to this issue, because this ghost debt is serverly hurting my Fico scores due to there improper investigation of this debt. XXXX removed this account after they did their investigation and now the other two companys that have had the same amount of time the XXXX had still have not removed this account from my report. Under 15 usc 1681 ( I ) this information should have been immediately removed and now I am claiming negligence on the companies of XXXX, as well as Transunion for be in violation of federal law with the mishandling of my credit reports. There are as a matter of fact a few things that I was told would be removed and have not been but I will save that for my follow up complaint into the inproper handling of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX all have been inaccurately reporting inaccurate info on my credit reports from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Several attempts to have them fix the have been made and collectively they all have replied similarly : " the info on your credit report is accurate and been verified ''. The fact that these XXXX companies along with the XXXX credit bureaus have reported inaccuracies for the past XXXX years has cost me and my family greatly and they have no shame about it.
Product: Credit reporting or other personal consumer reports

Transunion is reporting a 30 day late on my XXXX loan. It's not late because I had two deferred payments. This 30 day late should be deleted or changed to paid as agreed.
Product: Debt collection

National Credit Adjusters recently attached a copy of some service agreement that does not even bear my wet signature. It has my name TYPED in. Nowhere on there is a place where I signed. This is actually getting pretty ridiculous. This agreement not validation that I owe anything. They to eradicate this erroneous debt immediately.
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 XXXX  Account # XXXX XXXX  Card Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting

I had a Chapter XXXX Bankruptsy filed on XX/XX/2008 and Discharged on XX/XX/2008. 
Equifax does not report the Discharge date, so I disputed this item and sent a copy of the Discharge to Equifax. 
Equifax did an investigation ( Confirmation # XXXX ) and upon completion still does not list the Discharge date and also now is reporting " Prior Disposition - Ch - XXXX '', which is NOT correct, I have never filed for or had a Ch-XXXX. 
So I disputed these XXXX items again ( Confirmation # XXXX ) and again sent a copy of the Discharge and Equifax is still not reporting the Discharge date and now is reporting " Prior Disposition - Ch - XXXX '', which is NOT correct, I have never filed for or had a Ch-XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Equifax did not full investigate the reinsertion of XXXX XXXX for XXXX XXXX. They can not produce evidence of said original bill. XXXX investigate and found my information to be accurate and removed the account for {$1700.00}. Not once since I started disputing did I receive any written notice of this " new bill '' or a copy of old. Was not notified within 30 days. I started disputing in XX/XX/XXXX it is almost XX/XX/XXXX. This account was added in XX/XX/XXXX, removed and added again XX/XX/XXXX like a new account. Next Equifax put every word I wrote in my complaint to consumer finance on my credit report as a statement from me. I never requested that it be added. I submitted a complaint not something I wanted added so when a company pulls my report they do n't see a huge paragraph from me. I 'm not sure who or why it was added but I never requested a consumer statement be added and o do n't think it 's professional to add a private complaint to my credit report without my permission.
Product: Debt collection

I keep getting called to collect on a debt from a person who had my number previously. They keep trying to collect on the same 2 credit card debts. The company claims they are called Client Services. Can be reached at XXXX XXXX