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

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX  Balance : {$140.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX XXXX XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX  OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I've contacted XXXX and filed multiple disputes with the same to have the information contained on my credit report to be corrected and updated to reflect the current status of the accounts in error. Each time I receive the same reply, stating the information has been verified. Obviously the information has not been verified through verbal communication. The accounts in question were last updated on XX/XX/2023. I've been in contact with the Dept. of Ed/Nelnet. In my conversation with a representative they have verified that the information reporting on my credit report is not correct ; nonetheless, they were unable to provide me with a resolution to correcting the reporting problem other than filing a complaint. The recent balances that are reporting on my credit report should show that the referenced accounts and associated balances have been Transferred and closed over 120 days ago.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed a fraudulent from ( XXXX XXXX XXXX bank ) on my report I don't know what this fraudulent account is and it t need to be remove from my report because it's hurting my personal finance.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/scrub>XX/XX/XXXX I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USDT and XXXX XXXX  from my XXXX  account to fraudulent investment firm ( s ).
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. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXX XXXX account number : XXXX Please verify this information and remove it from my report if inaccurate.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and submitted a disputed letter XX/XX/XXXX. Unfortunately, the actions taken thus far have not yielded the results mandated by federal law, specifically the Fair Credit Reporting Act ( FCRA ). As per my previous communication, I am a victim of identity theft, and there are several accounts listed on my credit report that I did not authorize or open. These fraudulent entries are significantly affecting my credit score and my ability to obtain credit. I have attached a copy of the police report as further evidence of the crime committed against me. Additionally, I have included a detailed list of the fraudulent accounts for your review and action. I am requesting the immediate removal of these unauthorized accounts from my credit report : U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XX/XX/XXXX XXXXUS DEPT ED XXXX XX/XX/XXXX XXXX /US DEPT ED XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XXXX / US DEPT ED XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XX/XX/XXXX XXXX DEPT ED XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA, I am entitled to have these inaccuracies corrected promptly. The continued presence of these fraudulent accounts is a direct violation of my consumer rights. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act,
Product: Credit card or prepaid card

I started this chat with Capital One on Thursday, XX/XX/XXXX. I recently made a large payment of {$4300.00} on my credit card. Usually when I make a monthly payment it takes a day or two at most for my balance to reflect that payment. Now all of a sudden I am being told that there is a hold on my account because they have to ensure that the money was taken from my bank. I confirmed with my bank that the payment was processed on XX/XX/XXXX. This transaction is no different than any other aside from the amount. The money was taken from my bank yesterday, XX/XX/XXXX. Exactly one day after the payment posted. As I have stated if this were my usual $ XXXX monthly payment there would be no problem. However, it seems that now that I am trying to pay down the balance thus giving them much less interest there seems to be a problem with reflecting my available balance. I want them investigated for fraudulent business practices as it seems there is an issue. They of course would much rather hang on to that balance for as long as possible so they can get the interest. I paid a huge amount on another card that I have with them and there was no problem.
Product: Money transfer, virtual currency, or money service

My account was closed on a decision of Merrill Lynch, once its balance got below its minimum for XXXX XXXX XXXX  Clients in XXXX, where they send their agents to open new brokerage accounts, without being authorized by the XXXXXXXX XXXX XXXX. 

I opened such an account over 25 years ago with number XXXX ( later echanged to ) access code XXXX, and suffered extensive losses, whiche led to my balance getting below the minimum required by Merrill for their XXXX clients. I was asked to provide information on where to send my stocks and cash. I provided the information for my Brokerage Account at XXXX XXXX XXXX XXXX  Many months later, I received the aforementioned check for {$34000.00} ( attached ), which arrived with many months of delay, when it had already probably expired because it had been sent by snail mail. which doesnt work in my Country. All our previous communications had been via XXXX XXXX XXXX XXXX, XXXX, XXXX ). I tried to cash the check unsuccesfully through my XXXX Account. 
Through the previous 4 years, I have contacted the XXXX Branch of Merrill Lynch, only to be told my account executive XXXX XXXX XXXX, then head of that branch, no longer worked there. I was routed to a Corporate Office, where I was told they would replece the check, and a year later someone else said they had not been able to do ot because the funds had been transferred to a " concentrating account '' and a long process required to retrieve them and issue a new check, which to date I have not received. This week, my call was routed to the XXXX XXXX XXXX XXXX, who said they could no longer locate my account because it had been " purged '', though the access code number was still traceable. I was told they would start an internal Customer Complaint but refused to give me a reference number or any means to follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XX/XX/2023 amount : {$1600.00} + XXXX fees Actions are taken by self To whom it may concern : After reviewing my cedit reports I noticed that you are alleging that the following accounts are negative without furnushing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can furish the validity of the remark. 

I am not in dispute with the ownership of this account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit. 
Under 15 USC 1692b. ( " Acquisition of location information '' ) It states a debt collector can not state that the consumer owes any debt. ( 15 USC 1692b. " ( 2 ) ) Best Regards WithOut Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am the author of this complaint. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given the following companies listed below, whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802.

Pursuant to 15 USC 6802 I am officially exercising my right to opt out, effective immediately, and hereby instruct the companies listed below to stop reporting and to delete this account from all consumer credit reports immediately. 

1. DEPT OF ED/XXXX XXXX XXXXXXXX XXXX. XXXX Please removed these non-mailable addresses from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate complaint. There are multiple accounts under the same creditor reporting to my consumer report that I am disputing. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act XXXX XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.
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 measure 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 card or prepaid card

This company did not get my consent to allow any 3rd party 's to obtain my personal consumer information, while in good standing they closed my credit card account and informed me that an email ( not enclosed with Discover Bank 's name ) needed to be filled out with my irs information. They said i was givin a deadline. Discover Bank did not reach out to me through u.s postal mail or via telephone regarding this matter. And said that the closing of my account was irreversible.
Product: Credit reporting or other personal consumer reports

Issue with XXXX XXXX XXXX for Apple Card/Goldman Sachs To Whom It May Concern , My name is XXXX XXXX XXXX and I am in the process of applying for business credit. Unfortunately, Ive encountered an issue with XXXX, as they have not updated my credit file regarding the Apple Card/Goldman Sachs since XX/XX/XXXX of this year. 

I reached out to XXXX, and they confirmed that they have not received the necessary reporting from Apple Card/Goldman Sachs . I then contacted Apple Card/Goldman Sachs and was informed that they have been aware of this issue since early XXXX. However, when I requested a timeline for resolution, I was not provided with a clear timeline or any guarantee of resolution. 

This is particularly concerning, as their reporting inaccuracies could adversely impact my ability to secure business credit, which would affect me personally and my family. The other XXXX credit bureaus are showing accurate information. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following company, XXXX XXXX XXXX has reported a fraudulent account on my credit reports. I do not have any financial obligations with this company. The above-mentioned company has failed to supply me with any contracts that was signed on my behalf. This account and company are considered fraud as no authorization has been provided to this company to furnish any information into my credit profile... 

EQUIFAX Credit agency has not completed an investigation into this matter to validate any claimed relationship that I have with this company.
Product: Credit reporting

XXXX incorrectly reported late payments after account was paid in full and settled. I disputed an incorrect late payment reporting from XXXX with them and the XXXX major credit bureaus. Trans Union is the only credit bureau that has not corrected the rating. I requested the correction on line according to Trans Unions procedure on XXXX XXXX and submitted written verification documentation from XXXX stating the account has been paid in full to Trans Union and Trans Union is saying its not enough, they need to talk to someone at XXXX. I provided phone # 's and contact information for XXXX to Trans Union and Trans Union is now saying they can not verify the phone number and are refusing to correct the issue. I am in contract escrow with a lender to purchase a new house and have given notice to my Landlord. I have to be out of my current rental property in 10 days and will lose thousands of dollars and be homeless if Transunion will not correct this issue immediately. The unacceptable part of this situation is Trans Union corrected the issue on my husbands report and is refusing to correct the same issue on mine over the same joint account with XXXX. If I ca n't get some immediate assistance with this from someone with some common sense and authority I will be homeless in 10 days. Please help, I have documentation to support everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$990.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$1400.00} XX/XX/XXXXXXXX XXXX  XXXX {$1500.00} XX/XX/XXXX
Product: Debt collection

I received emergency room medical treatment at XXXX XXXX XXXX located in XXXX, FL on XX/XX/XXXX. My insurance apparently did not take affect until the following day, which I was completely unaware and was under the impression I was covered. When I received the bill I spoke with the hospital and they stated I may qualify for financial hardship. 

I provided the requested documentation and filled out every form they needed and I was advised that it would be under review and that they would contact me once a decision has been made. I contacted the XXXX XXXX XXXX XXXX who billed me also and advised them of the status and that I applied for financial hardship. They stated ok and I was advised that if the hospital grants me the financial hardship request that more than likely the XXXX XXXX XXXX bill will also be waived. 

I thought we were all on the same page. I even followed up with both groups months later and I was advised that my request was still pending. There was nothing I could do to speed anything up. The XXXX XXXX XXXX XXXX apparently sent my bill to collections anyway and I was completely harassed by these people and did not care that my request was pending. The collections agency info. is posted below. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  not once provided me any documentation of this debt, they never once sent me proof that this debt was legitimately affiliated with their office after my request. I did not receive a decision from the hospital until XX/XX/XXXX advising that they granted my financial hardship request. This collection company still reported me to all the major credit reporting agencies regardless and it destroyed my credit instantly. 

My credit score dropped XXXX points, which in return has negatively affected my employment opportunities during a background check and obtaining a place of my own. I had to move back in with my parents at the age of XXXX. I provided this information along with copies of the letter advising of the hospital 's decision to XXXX XXXX XXXX XXXX  weeks ago and followed up with them twice and they keep stating they are looking into it and keep giving me the run around. 

There is nothing further to look into. I am requesting that the amount in {$1300.00} be removed from my credit score immediately. I have already spoke to legal counsel and I have been advised should I decide to proceed forward that I have a case and I am willing to not go this route if my request is granted. 

Thank you.
Product: Credit reporting or other personal consumer reports

i sent XXXX XXXX XXXX A certified LETTER ON XXXX, requesting deletion of the inaccurate account they are reporting on my credit, the account was charge off from XXXX XXXX XXXX which i should have received a 1099-C, per IRS to file on my taxes as income, Income can not be reported on my credit report which constitute a violation of the FCRA.and for them to cease and desist from all mediums including credit reporting I sent XXXX XXXX a certified letter on XXXX requesting my copy of the 1099-C that was charge -off with this account so i can file it on my taxes as well. 

I ALSO SENT A LETTER TO TRANSUNION REQUESTING DELETION OF THE INACCURATE ITEMS AS WELL