23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX {$4300.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

Account Name : XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

I bought a car with XXXX XXXX from XXXX XXXX. 

He told me that if I don't buy an extended car warranty for 10 years my interest rate will double He added {$1700.00} to my contact without my knowledge for life insurance He told me to have my monthly payment deducted from my Bank in order to save $ XXXX  monthly. Instead he signed my up for a SmartPlan that charges $ XXXX  monthly I went to see him. He said that he will cancel everything. Called him a thief. 

Called his manager-XXXX-and she told me not to judge him because I am not God. 



Please stop XXXX XXXX he has been doing it for 26 years.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of late payments on my credit report for the following accounts : XXXX XXXX  XXXX ( account XXXX reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and two XXXX XXXXXXXX accounts ( account # XXXX and XXXX, both reported on XX/XX/XXXX and XX/XX/XXXX ). These accounts are incorrectly marked as late, even though my payments were made on time, in compliance with the account terms. 

Under 15 USC 1666b and the FCRA, it is the creditor 's responsibility to ensure the accuracy of the information they report. I am requesting that you provide evidence to support these late payments, including account statements and any documentation showing I authorized this information to be reported. If such proof can not be provided, I expect the payment status to be promptly corrected to " on time '' to reflect my actual payment history.
Product: Debt collection

I filled a dispute with the card.com and I sent the form and while my case was being over looked and investigated I was credited money on my account thinking it was my refund for the dispute I filed but later on I was charged for that money and I was denied for the unauthorized transactions. Now Im charge for money I dont have please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Mortgage

This has not been addressed by Wells Fargo before. 

The last papers WF sent to me states incorrect information on page 4 on the 4th line, under " CLOSURE OR SUSPENSION OF ACCOUNT ''. It says there was a borrower initiated request to modify account. This is not what occurred. There was no modification to occur. It was a simple freeze put on the account until I signed to remove the freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added as an Authorized User to another persons card but XXXX XXXX put a hard inquiry on my credit report for a new account that I never applied for. The card is closed and I want the inquiries and negative effects off of my credit report. I NEVER applied to open an account or card with them. Misuse of my personal information.
Product: Debt collection

On or about XX/XX/year> a fraudulent account was open in my name with XXXX  XXXX which I had no knowledge of nor did I authorize anyone to open said account. As a result of this LVNV FUNDING LLC has put a collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. SECTION 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STARS : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions or crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A OERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF TH PERSON KNOWS OR HAS REASONABLE CAUSE TI BELIEVE THAT INFORMATION IS INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive pulled my credit report & noticed an unauthorized inquiries, I then contacted the original creditor, they werent able to identify me nor did they have any of my information on file or in their system. They recommend me to contact the credit bureaus to get the hard inquiries removed, I did so and Ive also file a police report for identity theft which I will include the police report number. To my assumption I believe someone had gotten my personal information and applied for something. The company Im referring to is : Nicholas finance corporation the inquiry was pulled on the date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 inquiries on my credit report XX/XX/XXXX and XX/XX/XXXX from XXXX on my Experian credit report. I would like 1 removed as I only authorized 1 pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries listed on my consumer 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
Product: Debt collection

The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) 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

ALL 3 " CRA '' REPORTED OVER 47 INQUIRIES UNAUTHORIZED REVIEW OF CREDIT FILE WITHOUT MY CONSENT, OUTDATED INQUIRIES OVER 2YRS OLD 2017, 13 HARD INQUIRIES AND 34 SOFT INQUIRIES ... ALL 3 " CRA '' VIOLATED " FCRA '' PROVISIONS 604, 607, 611 AND 623 ... .NOTE : ( EQUIFAX REPORT CONF # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this message in regards to credit agency Experian. It has come to my attention that my credit file has errors and I have contacted Experian through mail on XX/XX/2021 through certified mail # XXXX it was received by XXXX. Experian sent me a letter stating that the information I disputed was verified. XXXX has a history of reporting erroneous inaccurate information on my credit report and I have the facts to prove it. The account I am disputing XXXX XXXX XXXX XXXX account number : XXXX. EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported & XXXX XXXX XXXX XXXX is fraud and said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EXPERIAN Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i will be filing form XXXX treasury omb forms to audit consumers account. EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO LVNV FUNDING LLC. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT LVNV FUNDING LLC IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTER DATED AND TIME STAMPED FOR YOUR REFERENCE.
Product: Debt collection

Today I found fraudulent collections reporting to my credit. So I reached out to the number provided on my credit report and they are claiming I owe an ER bill from XXXX. To be clear This debt is not valid and I does not belong to me. I have already disputed this with the credit bureaus. They reported the date on my credit report in XXXX and not in XXXX, Which I believe violates the FCRA and FDCPA. I had this same issue with the previous creditor and let them know it was fraudulent, disputed it and had it removed. It appears as if it was sold to this company. During my call today I advised them of the situation and let them know to remove it from my credit report. The supervisor I spoke with refused to help me with this and said she will put notes in the account. I asked to speak to someone who will help me with removing this fraudulent debt, the supervisor would not give me any information and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After examining my Consumer Reports, I came across late payments recorded on an account for which I have always made timely payments. As Consumer Reporting Agencies play a critical role in reporting consumer information, it is their responsibility to do so with the highest level of accuracy.

I want to emphasize that I have never been late with any payments for the account in question XXXX XXXX XXXX therefore, request that an investigation be carried out to provide evidence of these late payments. In the event that such evidence can not be provided, I demand that the late payments be corrected to show that they were made on time, as they were. 

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

On XX/XX/2018 at approximately XXXX XXXX I requested a transfer of {$500.00} from my PayPal account to my local financial institution, checking account. At XXXX XXXX I received an E-mail from XXXX stating that for up to 72 ( hours, days, weeks?? ) a hold had been placed on my transaction for review and IF it passed their review it would be released and the regular withdrawal timeframe ( 1 business day ) would then take effect. 

On XX/XX/2018 at XXXX XXXX I placed a phone call to PayPal. I talked with a male customer representative ( unknown name ) requesting as to why the hold was placed on this transaction when my checking account has already been verified by PayPal. He did not have an answer to my inquiry. He did state this was a normal PayPal practice. He stated that once a hold was placed on a transaction they could not override it. He also ensured me that once the review/72 hour (?? ) hold was over the money would be transferred and available for me to access. I stated that the E-mail said otherwise and he assured me again that the money would be available when the 72 hour hold was completed. 


Today, XX/XX/2018 at XXXX XXXX I make phone contact with PayPal and  talked with customer representative, XXXX. He stated that the hold was still in effect and it could now be 3-5 business days before the money might be released to my checking account. I informed him that 72 hours was completed and the money should already be in my account as the other representative assured me it would be. XXXX stated that it could possibly be Monday, XX/XX/2018 before the money could possibly be released to my account. XXXX stated that it was my financial institution 's practice to review the transaction and then notify PayPal to release the funds to my account. This did not sound correct to me. I requested to speak to XXXX 's supervisor as he was not attempting to resolve my issue and was just piling on a load of manure. I have worked in the most extreme area of customer service ( in a prison ) and truth is all that it takes, not a pile of manure. He refused to transfer me to a supervisor. I ended the call as the pile of manure was being spewed to thickly. I contacted my financial institution and inquired if they had to review the transaction before it was released into my account and they assured me no that was PayPal 's  responsibility to release the funds not theirs. 

I am not asking for thousands upon thousands of dollars to be transferred. I just want my XXXX XXXX dollars so I can buy some XXXX gifts for my family and get my husband 's truck repaired. I am very frustrated with the run around I am getting with PayPal and hope that others do not have to go through such a hassle just to get their money.
Product: Checking or savings account

i WOULD LIKE TO DELETE THE FOLLOWING ACCOUNTS AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME XXXX XXXX  ( XXXX ) OPENED XX/XX/XXXX XXXX XXXX  XXXX  ( XXXX ) OPENED XX/XX/XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union XXXX LCI Consumer center Refuse to send in documentation that shows they validated a XXXX  XXXX that is showing on my Transunion and XXXX credit court from the XXXX XXXX courts instead they are using a non validated third party for incorrect information
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED FRAUDULENT INQUIRES EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE UNAUTHORIZED FRAUDULENT INQUIRES
Product: Mortgage

On XX/XX/XXXX I cancelled an insurance policy with XXXX and XXXX ( wind/hail ) under a company called XXXX. Prior to doing so I established insurance with XXXX XXXX. When the policy cancellations were sent to XXXX, it appears the XXXX policy was cancelled but the XXXX policy was not. So since then I have been paying monthly escrow deposits which I have been told have were paid to XXXX for XXXX coverage on XX/XX/XXXX in the amount of XXXX. I had been trying to get the escrow payments cancelled for this policy since XX/XX/XXXX when I first called XXXX after I received much higher monthly payments since XX/XX/XXXX. I was told this was because of an escrow assessment done in XXXX which required higher escrow payments on the XXXX policy which is at that time I found out I was still paying for a cancelled policy. I have called XXXX at least five times since then and each time I get the run around and am told different information each time. Some of their representatives are not able to even tell me anything. I have called XXXX and emailed a document showing my refund of XXXX from XXXX and it says I have coverage elsewhere. I have been told that is enough. I sold and closed on the property on XX/XX/XXXX and prior to that date the title company could not reach anyone at XXXX  to get a payoff amount for closing. Earlier in XXXX I had requested a payoff statement which I received in the mail. It was dated thru to XX/XX/XXXX. I was able to give it to the title company so they paid the loan off after closing. The title company was contacted the next day saying I still owed XXXX which was the difference of what was owed from the XXXX policy. They said if it wasnt paid by XX/XX/XXXX I would be charged XXXX a day fee until it was paid. So not only do they owe me XXXX, now they want more for a policy that was cancelled. All they have to do is see I had XXXX XXXX on XX/XX/XXXX to know the other policy should have been cancelled like the XXXX document shows and send me back all the money I paid since then. My title company was good enough to pay in advance for me the XXXX but I will be paying them back and out more money. I just dont know what to do at this point. I cant get anywhere with them on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit reporting agencies explaining, I am victim of Identity Theft and the accounts they have listed do not belong to me. Request the credit bureaus to remove any incorrect, inaccurate, or fraud information and accounts from my credit report. Also requesting them to investigate the matters because the account was not open by me, they came back as accurate. I am a victim of Identity and whoever has opened these accounts is suing my information without my permission. The fail to remove any items off of my credit report that i did not have any Assocation with. I recently we went to try and apply for a mortgage for a new home for my daughter and I. Just to know all my hard work and earnings will not be able to get me into our dream home, because someone is using my identity. I have already filed a report with my local police department as well and the FTC. I just want to have my identity back and move on from this traumatic and devasting event. I am filing a complaint against Transunion, XXXX, and XXXX, for not removing accounts that were open under false pretenses. Someone is using my information I am unsure on how else to prove it beside the police report reaching out to different agencies to receive help. I just want my life back and a chance to purchase this home for my daughter and I.
Product: Debt collection

Sometime late XX/XX/XXXX, I received a bill from a collection agency by the name of Hiday & Ricke , P.A . Stating I owed them XXXX. They claimed it was a Debt for a credit union account. On XX/XX/XXXX. I sent them a debt validation letter which they never returned to me. The thirty day time frame has lapsed and they are still harassing me and even served my Grandmother- in-law court papers which is ( ILLEGAL )!!!! I'm planning to counter sue them in court. Luckily we have camera 's on our house to prove it. 
I want people to know this is a debt collection company and you don't owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on MULTIPLE occasions since XX/XX/2020 to dispute the XXXX account with Equifax due to not only being reported INCORRECTLY but because I do not have a financial obligation with them! This account was paid in full per the attached receipt in XX/XX/2020. There is false reporting and XXXX refuses to do anything about it and so does Equifax! They either ignore my request or just state that the information is correct. No, it's not correct, I no longer owe anything to the creditor and they will not remove this. 

There are also multiple inquiries that I have been requesting to have disputed and removed however, those have not even been acknowledged by Equifax!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, Equifax allowed my personal information ( name, social security number, address, etc. ) to be stolen. I 'm now at risk for identity theft. I 've not yet been contacted by Equifax. I 've asked for a temporary fraud alert through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Radius Global Solutions, a collection company, re-aged an account and reported inaccurate and false information to XXXX and XXXX  credit bureaus which is damaging my credit. 

My research into the issue revealed that the original medical account with XXXX XXXX was dated XX/XX/XXXX, almost a year earlier. XXXX apparently sold the debt to Radius Global Solutions during XXXX. 

Radius Global Solutions reported two different " Date Last Active '' dates, of XX/XX/XXXX to XXXX  and XX/XX/XXXX to XXXX. The two year payment history for this account is blank. 

I do not have knowledge of this account and certainly never consented to or took part in any activity to result in re-aging or any activity to occur during the year XXXX.