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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX. Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

1STPROGRESS/XXXX XXXX XXXX XXXX XXXX XXXX Accounts : {$200.00} each I have called First Progress three times requesting this information be removed as it is fraud and not something I applied for on their platform. The first call I had with them, they confirmed the credit cards that were applied for were returned to them, further confirming this was something not fulfilled by me. The confirmed they would investigate and let me know what they came up with. 

After a few weeks, I heard back from them via mail and they confirm these accounts were fraud through their investigation- this was early XXXX when i heard back from them with their confirmation. Both of these account should have been removed but they're still on my credit across all three of the major credit bureaus which is hindering me from getting a home and apply for credit needed to keep my business open. 

The third piece of communication i got from them stated the investigation finding were in my favor and they would send communication to the creditors removing them late payments and accounts from my credit. I have a letter confirming the communication.
Product: Consumer Loan

Mercedes Benz Financial has incorrectly reported the details of an old account with them. They have done this after being advised of this multiple times and being queried by all XXXX credit bureaus at least 10 times since XXXX. 
This account is an old account : it first went past due in XXXX or XXXX of XXXX. The account was never brought current and the vehicle was repossessed in XXXX XXXX XXXX. 

Mercedes reports this as follows to XXXX as verified by all XXXX bureaus. 
XXXX XXXX 30 days XXXX XXXX 120 days XXXX XXXX 90 days XXXX Repossession XXXX 30 days These numbers are clearly wrong and repeated efforts to correct result in MBF continueing to report incorrectly They also report it as a Charge Off but show a balance past due of XXXX which is not permitted MBF has structured their reporting, I believe deliberately, to ensure that this account is not deleted from reporting by all XXXX credit bureaus in the correct time frame and kept on my record
Product: Debt collection

I would like to dispute a claim that is on my credit report. The claim is from XXXX XXXX XXXX XXXX in XXXX XXXX, Arkansas. I did not know this claim existed until I enrolled in XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they informed me that their records only go back to XXXX and apparently they had no information on the claim. I was told to contact CSI collection agency for further information. 
I would like to know how a clinic can say that I owe them money but have no record of services rendered. 
I called CSI and was told that I owe {$290.00} to this clinic for services that I have no recollection of. My son was a patient there up until XXXX but he was fully insured at the time with XXXX as I was a young single mother at the time. 
CSI told me that the services were for me and not for my son??? which is very confusing to me, because I was never a Patient at XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I originally took out this loan due being short on the rent because my daughter lost her job the amount of the loan was 450.00 after making several payments I call to check the balance which I have paid around 1200.00 or a little over I was informed to go to the website only to find out the interest is 549.99 % I will be paying back something like 4500.oo on 450.00 is this constitutional or even legal I must have been delusional when I agree to these terms there's no way in the world I would pay this kind of money back on {$450.00} nor can I afford to currently I am XXXX and using a PO box and living from place to place whoever let me spend the night plus I have health issues I'm on XXXX XXXX I can't afford this therefore I have instructed the bank to stop allowing the withdrawals from my account I would greatly appreciate any type of assistance that I could get in this matter I originally l borrowed {$450.00} I've already given them {$1200.00} back I think that's more than fair.
Product: Debt collection

XXXX XXXXXXXX XXXX calls ten times a day I blocked serval numbers but they just keep calling from all sorts of numbers and area codes have asked them to stop calling but continue to call constantly, as well as calling private All times of the day I have gotten written up at work because my phone keeps ringing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX 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, credit repair services, or other personal consumer reports

PLEASE DELETE THE ADRESS XXXX XXXX XXXX XXXX XXXX AND ANY OTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
AND PLEASE DELETE ALL OLD NAME EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THANK YOU...
Product: Credit card or prepaid card

The Citi Thank you preferred card is not reporting my payment credit history to the three major credit bureaus. Even though I am an authorized secondary user, they are supposed to report payment history and credit activity to the three major bureaus. 

Despite my request, they are not reporting. This lowers my credit to debt ratio disproportionately and unfairly, lowering my credit utilization score. 

I am not able to obtain mortgage loans due to their undue negligence.
Product: Credit reporting

The consumer reporting agency has repeatedly falsified information on my credit report.the false information has made a drastic negative impact on my credit score, this impact has prevented me from goals such as home ownership among others. The reporting agency has updated information on several accounts that have been closed for a extensive time, thus violating the fair credit reporting act. The following are closed accounts that have updated as late or past due in recent months. 
1.XXXX - closed XX/XX/XXXX showing past due in XX/XX/XXXX also showing incorrect amounts2.XXXX - closed XX/XX/XXXX showing as past due in XX/XX/XXXX3.XXXX ( XXXX ) closed XX/XX/XXXX showing as past due XX/XX/XXXX4.XXXX ( XXXX XXXX ) closed XX/XX/XXXX showing past due XX/XX/XXXX5.XXXX XX/XX/XXXX showing past due XX/XX/XXXX6.XXXX closed XX/XX/XXXX showing past XX/XX/XXXXThese items are reporting as if they are recently past due, thus leaving new creditors to believe my current situation is such that I may not pay them responsibly.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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 crimes which antedates the report by more than seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681 Equifax is governed by 15 U.S.C 1681 and they violated my rights numerous times I demand the accounts listed be removed because According to 15 U.S.C 1681 : I have the right to privacy and did not give equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX
Product: Credit card

I request a new credit card to pay my rent. This credit company is XXXX. The reason why I request it is to get points paying my rent. I paid the month of XXXX without issue but the month of XXXX the payment didnt get processed for not having enough available credit ( XXXX ). The next day I called XXXX by Wells Fargo. They promise me that my credit will go up after the payment get clear by them. I even stated that I didnt want to get payment returned and they promised my that it wouldnt happen cause its was getting process. I called them again after that day because I wanted to make sure they still told me to do not worry about it. XX/XX/year> the payment got returned and got charge with a lot of late fees, on top of that I dont have access to my online payment anymore, and I have to pay with money order now on due to a fake promise made my the agents of Wells Fargo
Product: Debt collection

Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification.. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to agency on XX/XX/2018. Company is still not providing me with a signed copy of the contract with XXXX XXXX XXXX. equi verification that is in compliance with the fair credit reporting act and must be deleted from my credit file Still no resolution and it is XX/XX/2018.
Product: Debt collection

I am writing to formally dispute the collection account referenced in your collection agency 's report regarding the alleged debt listed on my credit report. I have recently reviewed my credit report and found an entry that lists Wakefield & Associates as the debt collector for a debt I do not recognize or believe to be valid. The account number for this entry is. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of this debt. Please provide : A copy of the original agreement or contract that establishes I owe the debt. 
Detailed information on the amount owed, including any interest, fees, or other charges. 
Documentation confirming that you are authorized to collect on this debt. 
Until such verification is provided, I request that you refrain from reporting this alleged debt to the credit bureaus and cease collection efforts. If you are unable to provide sufficient verification within the XXXX period as mandated by the FDCPA, I request that you immediately remove this collection entry from my credit report. 

Please respond to this dispute in writing at your earliest convenience. I appreciate your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several Disputes about my Inquires on my Equifax credit report, all the inquires were not Authorized by me and I also told Equifax that my information has been compromised and this company has done very little to removed the inquires on my credit report, I have also submitted Documentation of a police report from the XXXX XXXX Police Department to report that someone is trying to use my credit to attain bank accounts and credit cards in my name. The following Inquires need to be removed from my credit report because I did not authorized them. 

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

The information I used to explain my dispute with XXXX XXXX  was used to add a comment on my behalf which would have been fine. Except it is not worded in a way that is satisfactory. It reads a though I am at fault so let me reiterate the whole situation I leased a car from XXXX on XX/XX/XXXX the lease was ending in XX/XX/XXXX. I had my appointment set to take back the leased car and get another vehicle. The day I was to return the car was the day Covid-19 shut everything down. Lock down. Stay at home order went into effect. I spoke with the dealership and was told not to do anything until they contact me. I asked about pmts since I had already made my last pmt on the lease. I was told DO NOT make any more pmts. Everything will be ok and would take care of everything when it was ok to go in and trade vehicles So I waited. Even called them back after a few weeks was told to wait until appointment was rescheduled. I went out to go to the store XXXX evening and my car was gone. I called the police thats how I found out my car was repossessed. No warning no nothing. XXXX XXXX  had it repossessed on a Friday night holiday weekend XX/XX/XXXX. After a 3 day wait to speak to someone at XXXX XXXX. I got nothing but hold on the line. Transferred and transferred every time I got transferred I called them probably over a XXXX times in a weeks time demanded a supervisor. Never got the call back until after the fact. 3 months later. Long story short I went to the dealership with the amount I got from XXXX XXXX  to buyout the leased car. Which was double the original amount. It was over {$12000.00} I had cash in hand and XXXX XXXX  on the phone and manager of XXXX dealership in front of me. And they didnt know how to process taking a pmt. XXXX said dealer handles it and they said finance handles it. Neither one could take a pmt to finalize the deal no matter what source of pmt option I offered. How could I pay anything if they couldnt except a pmt from me. They didnt know how to process it. Never figured it out. So I bought a car elsewhere. Then they decide to hit my credit report every other month since this nonsense. And keep adding fees etc. lastly the management phone call I received back after 3 months when I gave up on their nonsense she was extremely rude and said to me we were never gon na sell that car to you and hung up. So I refuse to give them another XXXX of my money I only would have owed XXXX more monthly pmts. Which would have been under {$400.00}. The entire balance on the car was {$7900.00} just want this off my credit report. Dont understand how they can hit my credit report every other month for the same thing and I cant dispute it or fight it anymore. XXXX as my witness I swear I am telling the truth. Just wondering how many others?? If not removed I want the statement to reflect that I couldnt have paid them because they were not able to take my money, ck etc. they didnt know how. I tried and tried and gave up
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Im writing because Im really frustrated with how Experian XXXX XXXX handled my recent credit dispute. Ive recently learned about the CFPB lawsuit against Experian and XXXX, and I think my situation is connected to the problems theyre both being sued for. I disputed an account on my credit report, but you didnt seem to investigate it properly. The account Im disputing is [ XXXX XXXX  XXXX ] with account number XXXX, [ XXXX XXXX  XXXX ] with account XXXX XXXX on my credit report 4 times, and XXXX XXXX XXXX XXXXXXXX XXXX, The issue is that the information about this account is wrong. On top of that, their response didnt explain much. I didnt get any proof or details about how they verified the account. And this is hurting my ability to get a home for my family! Heres what Im asking for : Do a proper investigation as REQUIRED by law. Remove the incorrect account or information from my credit report if the company cant verify it. Send me clear results showing exactly what you did to verify these accounts and share any proof you used. Dont let these accounts come back on my report unless you can prove its accurate and give me written notice first. Im asking you to resolve this within 15 days, as required by the Fair Credit Reporting Act. If this isnt fixed, Ill have no choice but to file a complaint with the CFPB and take further action to protect my rights which I am doing now. Thank you for handling this quickly. I look forward to hearing from you soon. Sincerely, XXXX XXXX
Product: Mortgage

IN YOUR LAST STATEMENT YOU SAID MY LOAN IS BEING REVIEWED BY THE VETERANS ADMINISTRATION YOU CHANGED MY VA LOAN TO A CONVENTIONAL LOAN BACK IN XXXX DOING A REFINANCE ON MY MORTGAGE. IT WAS NOT A VA REFINANCE IT WAS A CONVENTIONAL REFINANCING THAT ADDED {$28000.00} TO MY MORTGAGE, CAUSE IT WAS RECORDED AS A LOAN AND 6 YEARS AS A PAYBACK OPTION FOR THE {$28000.00}, AND YOU ADDED IT TO THE PRINCIPAL. DOING THAT CAUSED ME TO FALL INTO A INTEREST-BEARING LOAN. THE INTEREST EATS UP THE PRINCIPAL PAYMENTS THAT I MAKE TOWARD THE LOAN. I SHOULD BE GETTING A LETTER FROM THE VA, I WILL REPORT WEEKLY TO THE CFPB ABOUT THE STATUS OF MY GETTING THIS LETTER FROM THE VA ABOUT MY OPTIONS. THIS CONVENTION LOAN IS NOT SECURED BY ANY GOVERNMENT AGENCY, NOT THE VA, I WILL BE WAITING FOR THIS LETTER FROM VA. YOU WERE TRYING TO ADD {$11000.00} OF INTEREST & FEES TO THE PRINCIPAL WITH THE LAST INHOUSE MODIFICATION OF XX/XX/XXXX AND YOU SAY IT WAS A DISASTER MODIFICATION.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent a {$250.00} XXXX  deposit payment to XXXX XXXX, owner of XXXX XXXX for a custom dress for an event on XX/XX/XXXX. The dress was supposed to be delivered on XX/XX/XXXX. The owner failed to make the necessary alterations as agreed and did not deliver the dress as scheduled. A refund was requested from the owner who failed to respond. I contacted CapitalOne and explained the nature of events that I did not receive the dress as agreed and that I was requesting a refund from the owner. The owner stopped communicating with me and I tried to resolve the issue through CapitalOne. CapitalOne provided a temporary credit in the amount of {$250.00} for investigation XXXX. CapitalOne failed to request any information from me as evidence for my claim and made a decision to reverse the temporary credit on XX/XX/XXXX which was drafted on XX/XX/XXXX stating that the payment was processed per instructions yet I did not receive the services as agreed. This is the 3rd time this banking institution has failed to due it's due diligence and conduct a fair and thorough investigation on claims initiated by me. It is noteworthy to mention that I filed another claim with another banking institution concerning a final payment to this owner whereas the bank ruled in my favor. This banking institution requested information to determine that my claim was valid. In addition, I need to reference another claim which was denied by CapitalOne XXXX concerning a rental deposit of {$320.00}. CapitalOne also ruled that the payment was accurate again without conducting the proper investigation and requesting supporting documentation to substantiate my claim and the temporary credit which was given on XX/XX/XXXX was reversed on XX/XX/XXXX. However, the XXXX XXXX XXXX emailed me on XX/XX/XXXX and mailed a check in the amount of {$320.00} which was disputed with CapitalOne. I am requesting that CapitalOne honor it's commitment to consumers that utilize it's services since the banking institution has failed to properly conduct investigations when claims are initiated from my account. There is a form of prejudice that exists and I would like them to review my account with integrity and fairness. Each claim I have initiated has been denied without any request of documentation from me to make a decision.
Product: Mortgage

Foreclosed while on forbearance by US BANK attorney USBANK didn't know that this happened and tried to collect payment after my HOME was STOLEN Over {$1500.00} in NSF fees Multiple police reports of harassment were made against USBANK and the attorney XXXX XXXX  XXXX Severe criminal misconduct has occurred. 

Please send investigator and United States Marshal I would like to be a witness at the next Senate finance testimony of the big bank CEOs I have specific incriminating questions I want to ask XXXX XXXX and the rest of the CEOs
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 venerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud 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

I paid my credit card bill on XX/XX/XXXX I paid chase bank {$210.00}. On XX/XX/XXXX Chase bank charged me a late fee of {$37.00}. The person I talked to said I was late and that there was nothing they could do about it.
Product: Debt collection

STANISLAUS CREDIT CONTROL {$0.00} {$420.00} XX/XX/XXXX, This company keeps posting and deleting debt. Please delete and replenish score.
Product: Credit reporting or other personal consumer reports

I am listing 1 inquiry fraudulent from my Transunion Credit Report. XXXX XXXX XXXX Listed inquiry do not belong to me and must be removed from my Transunion Credit Report. I had a call with company and credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark this inquiry fraudulent and remove from my Credit Report.