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

I have reported this company to Identify Theft. I requested paperwork to show proof that I signed a contract with XXXX XXXXXXXX XXXX XXXX . They state they are a credit card which is fraud. They are not. I also requested payment history proof to include last payment and amount. It states credit card limit was XXXX and they are say I owe XXXX. More than double This is Fraud. I have requested this fraud to be removed multiple times and yet the experian and transunion keep stating Verified. I have had no validation to prove this debt I demand this account be removed immediately and XXXX just updated staying that last payment was as of XX/XX/XXXX. Making this a current issue. This has caused to be detrimental to my credit standing. This account is NOT OPEN AS OF LAST PAYMENT XX/XX/XXXX. AND THIS IS NOT A CREDIT CARD. I HAVE SUBMITTED A CLAIM XXXX AND THIS HAS NOT BEEN VALIDATED OR REMOVED.
Product: Payday loan, title loan, or personal loan

I have gotten numerous pre approved solicitations from Marcus XXXX XXXX Per their website and XXXX XXXX, I meet all the requirements for approval ( credit score and income ). I applied for a personal loan to consolidate my credit cards on XX/XX/20. Their website states that you will have a response or request for additional information in 1-2 business days. I had to log into their website and check my profile every day to see an update. I had to continuously call for updates and was told that it would be 1-2 business days for a response. By XX/XX/20 I asked for my file to be escalated. I was told they would reach out to me. I called again on XX/XX/20 and was told that a letter was mailed to me and there was nothing they could tell me. Basically my file was declined as soon as I complained. They said they were not able to tell me why it was declined and that I had to read the letter whenever I finally got it. Today I have gotten more emails with pre approvals from Marcus. This to me is false advertising and I feel they declined my application based on my complaint.
Product: Credit reporting or other personal consumer reports

I formally demanded an immediate investigation and correction of several inaccuracies on my credit report. I identified specific entries that I believe are incorrect, particularly late payments associated with XXXX XXXX and XXXX accounts. I asserted that these payments should be updated to reflect that they were paid as agreed and never late, referencing 15 U.S.C. 1666b, which governs the timing of payments. 

Additionally, I raised concerns about multiple debts reported by various collectors, including XXXX, XXXX XXXX, and others. I invoked 15 U.S.C. 1692g, which requires debt collectors to validate any alleged debts before continuing collection efforts. I requested that Experian provide proof of these debts, including original documents bearing my signature and any contracts between the debt collectors and the original creditors. I made it clear that if they could not provide this validation, the items should be deleted from my credit report.

I also pointed out unauthorized hard inquiries on my report, citing 15 U.S.C. 1681b ( a ) ( 2 ). I requested the deletion of these inquiries, as they were made without permissible purpose. Furthermore, I disputed incorrect personal information, including addresses that do not belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I reminded Experian of their obligation to investigate disputes and correct inaccuracies within 30 days, as outlined in 15 U.S.C. 1681i. I referenced case law to emphasize the necessity of a thorough investigation and the potential liability they face for non-compliance. 

I expect a prompt and thorough investigation, along with written confirmation of their findings. I made it clear that if this matter is not resolved within the legally mandated timeframe, I am prepared to escalate the issue to regulatory agencies or pursue legal action. I also requested a detailed description of the procedures used during their investigation, as required by law. 

In summary, I am seeking immediate action to correct my credit report and ensure compliance with federal laws governing credit reporting.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app Due to the inadequate customer service An unfair practices Which violates is the consumer financial protection act Specifically, cash app Failed to take timely An 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 electric fund transfer act and regulation E These actions have called significant inconvenience And financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX XXXX and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

FCRA 605B obligates the removal of any erroneous accounts from my credit report. These accounts have been inaccurately reported. I am entitled to {$1000.00} for each incorrect entry on my credit file.
Product: Debt collection

Account Resolution Corporation- Open Balance {$1000.00} ( which changes by a dollar plus or minus periodically ) Original Creditor- XXXX- Opened XX/XX/. 

I have disputed this collection ; I have requested proof of debt. I have received nothing from this company and have no knowledge of this account. The company periodically changes the account balance plus or minus {$1.00}.
Product: Vehicle loan or lease

On Saturday, XX/XX/2020 at approximately XXXX, I learned my vehicle had been repossessed by my financial institution BHFC Financial. On Sunday, XX/XX/XXXX, I spoke with customer service manager XXXX. Despite the fact having documentation proving that I payed all my car payments, he informed me that I was behind on payments. XXXX stated that I owed partial payment from XXXX and a full payment from XXXX and XXXX. XXXX also stated they didn't receive payments for two months and then referred me to the recovery department. I then spoke with XXXX in the recovery department who told me that the company was not willing to work me anymore to which they never did work with me! They often would not communicate with me at all about the payments not being received ; they did not send me any notices stating that I defaulted on the loan at all! XXXX told me that in order to get my vehicle back, I need to pay {$13000.00} including a repo fee included in the price. The original cost of the car was {$10000.00}. They not only didn't contact me, but they didn't contact any references! I am sad, stressed, and in disbelief. This is not how a paying customer should be treated! I couldn't believe that a company would take my car after I paid them every time! I am a single mother with a baby and I need my vehicle to care for my child!
Product: Checking or savings account

On XXXX XXXX XXXX XXXX  my robinhood trading account was restricted and my funds were not accessible to me anymore. I have around XXXXXXXX XXXX that i can not retrieve anymore due to there decision making. Ive done everything theyve asked as far as submitting bank documents confiming its me. Calling them and sending them emails regarding the case. And today as of XXXX XXXX XXXX i receieve an email stating that my funds will not be reimbursed to me.
Product: Credit reporting

This is a complaint regarding items I disputed that does not belong to me. I thought according to law all credit bureaus investigate items on your credit that you are disputing the same. However, comparing my credit reports it shows different results. XXXX removed XXXX items that did not belong to me. But Experian stated, verified. How could that be? It seems that Experian waits and holds on to the dispute for 30 days w/o properly verifying and then after 30 days just say, it was verified w/o actually verifying. The following items is not mine listed below. 

XXXX ( XXXX ) XXXX XXXX ( XXXX ) I have attached a copy of my XXXX report, stating these XXXX items has been deleted. I would like Experian to follow suit and delete these XXXX items.I have attached the copy of my XXXX report so you can see the proof. 

Also, I have a letter from XXXX on XXXX credit items that is reporting negatively on my credit report and XXXX informed the credit bureau to REMOVE the account and failed to do so. I have attached a letter for that as well. 

XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my initial communication, Experian has not responded, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$26.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ). is incorrect. I request Experian to correct this inaccurate information on my credit report. 

The accounts XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$680.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$600.00}, Original Creditor : XXXX  ) do not belong to me. I request Experian to remove them from my credit report.
Product: Debt collection

On XX/XX/XXXX, XXXX and XXXX XXXX sold house at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to private purchasers. On XX/XX/XXXX, {$940.00} was paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to pay the XXXX  bill and close out the account XXXX XXXX XXXX XXXX XXXX 

Since then, the new owners have converted the XXXX  system to electrical and removed the oil fired furnace from service. 

On XX/XX/XXXX, XXXX and XXXX XXXX received another bill from XXXX XXXX for a maintenance plan and interest for billing not being paid. I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  said the account was closed back in the spring and we should not be getting billed. She submitted a transaction to XXXX  out the balance. We received another bill on XX/XX/XXXX, so I called her again on XX/XX/XXXX and was told again the account was closed and we owed {$0.00}. 

On XX/XX/XXXX, we received a notice that the bill was submitted to Sunrise Credit Services for debt collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We do not owe XXXX XXXX or anyone else for a maintenance plan for a house we do not own for a furnace that does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried mailing supporting documentation and uploading online but continue you to have issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contest the credit inquiries on my Equifax report and I never received any Proof of validation on the inquiries nothing with my signature or Original Paperwork showing that I applied for anything only thing I received was a paper saying they were I verified I Did not authorize them!!!
Product: Credit reporting

On XXXX XXXX, 2015 I filed a Identity Theft report with my local police department via instructions XXXX Complaint # XXXX. I have sent this information to Equifax XXXX, and XXXX XXXX. With a confirmation delivery Receipt on XXXX XXXX, 2015 Equifax has not blocked this damaging information. I filled a complaint with the XXXX also because this matter is urgent! XXXX XXXX XXXX of Equifax has investigated this matter as a dispute and determined that the account belonging to me. I have spoke with local authorities that said this investigation is still on going. I have been a victim of ID Theft and I should not be held responsible for a debt that I have not agreed to pay! Equifax continues to report inaccurate information which I am sure they are aware of the violations that they are committing by doing so.
Product: Credit reporting

I am writing in regards to Experian. I was disputing a couple items on my credit report and the are not providing me with results. They keep sending me a letter that states " they have inaccurate social security information ''. I have sent them proof of my identity like they asked multiple times and they have not fixed the issue. I have tried to call and none of the numbers will get me to someone. My social is correct and they need to provide results for my disputes and ensure they are reporting accurate information.
Product: Debt collection

I am writing to dispute a bankruptcy listing that has appeared on my credit report, which I have reviewed and determined to be incorrect. The bankruptcy listed is associated with my name, but I have never filed for bankruptcy. 
Here are the details of the incorrect entry : Credit Report XXXX Bankruptcy Case Number : XXXX Date Filed : XX/XX/year> I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. To assist with resolving this issue, I am enclosing copies of the following documents that support my claim : I kindly request that you investigate this matter and remove the inaccurate bankruptcy entry from my credit report. Please provide me with a written confirmation once the correction has been made. 
If you need any further information or documentation to resolve this issue, please do not hesitate to contact me. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$330000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$51000.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit card

I had a credit card account with Citizens bank. I was listed as an authorized user under my mothers account. I have absolutely no online account access. Every time I called, they gave me a hard time even to retrieve account balance information. After submitting a payment for the account balance, the XXXX payment I made was returned for some reason. I had no idea it was returned at all since Im not even listed as the primary account holder and I dont receive any type of notice in terms of the account balance as an authorized user. I tried downloading the app and was still not able to retrieve my online card info. The company immediately passed off the balance we had to debt collections and immediately closed my moms credit card for alleged suspicious activity. No idea whats going on, but weve have had this credit card for awhile now and have always paid on time. My mom uses it as a travel card and I use it as miscellaneous charge card. This is actually the 1st time I have actually used it and brought the balance up to {$150.00}. The account balance was immediately paid when I was notified about the payment being returned. My mom used it last year for travel costs and brought the balance up to {$1500.00} and has paid the balance off in full. She actually just received notice about the reasons for closing our account and the notices are dated for early XX/XX/XXXX, so there recently issued notices. 

I definitely find it unfair that they closed our account. They also passed on the debt to collections and didnt even give us a notice about this at all and/or provide any accommodations. Normally, a consumer is at least granted 30-days to be notified of any issues/resolve any issues. I think its unfair that as an authorized user, I can not even have online access and that I do not receive any type of notification in terms of account balances, payments details, etc. When I tried calling to retrieve account balance and pay the account balance in full, the 1st representative that I spoke to gave me the incorrect balance to pay and transferred me over to another to assist with my account. The 2nd representative that I spoke to advised that the credit account wasnt closed and the current balance was a lot higher. He did assist me with submitting a full payment and I had no other issues at the time. The primary account holder just received notices and just relayed the info to me on XX/XX/XXXX about the account closure. The notices we received are dated for XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. I definitely think theyre being suspicious in term of how they operate business and/or treat their consumers.
Product: Vehicle loan or lease

I have reviewed the attached documents. I never received a letter of redemption. Please provide proof of mailing. Also, the deficiency report is inaccurate. It doesn't reflect any such XXXX insurance refund. Nor a service agreement refund. According to XXXX XXXX XXXX refunds and service agreement refunds are sent directly to Bridgecrest after loss. Please correct the deficiency report reflecting the refunds. 

This account has also been charged off/written off according to the documents yet still being updated monthly as a repossessions on my credit report. This incorrect and inaccurate reporting is damaging my credit report and my financial independence. Causing me to be denied due to your unfair Practices. This is very concerning. Under the Consumer Protection Acts, The FTC, and the CFPB, this is a violation of my consumer rights. Past lawsuits has indicated that Bridgecrest have and are being sued for these exact reasoning of my complaint. Until this has been resolved I claim no responsibility of debt nor of its existence by Estoppel by Silence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 of crime which antedates the report by more than sever years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Debt collection

Hi, My name is XXXX XXXX and I am currently mobilized with the XXXX XXXX. I'm updating my security clearance and a collection charge of {$950.00} dated XX/XX/18 shows in my credit reports. The agency handling the case is National Recovery located at XXXX XXXX XXXX, XXXX PA XXXX, PH # XXXX. Apparently is for dental services performed by XXXX XXXX located in XXXX XXXX XXXX XXXX in XXXX PA XXXX, PH # XXXX. There is no accuunt number. The issue is that I never in my life been in XXXX XXXX for any dental services. I contacted both XXXX and National recovery to resolve this problem. XXXX responded that they will take care of the problem. However, when I contacted National recovery to inform of the problem and have it corrected, the service was unprofessional. The lady who responded " do what you have to do '' on the phone, and hung up on me. She did not even give the chance to ask for her name and/or explain that due to my military status I was overseas and do not easily have access to a phone. So happens that my ship is stuck in port due to bad weather and I was able to get internet access to file this complain. 
As a military member, it is important that this error is corrected right away for my security clearance, therefore, I am requesting your assistance to get it resolved. I do not know when I will have access to a phone and/or the internet again, but my email address is XXXX. 

Your prompt help will be greatly appreciated XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Date XXXX XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile.XXXX. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.