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

To Whom It May Concern, I am formally requesting a comprehensive disclosure of my entire file. It is imperative that only information that is completely accurate and thorough be included. I expressly prohibit any inclusion of incorrect, incomplete, or deceptive data in my report.

I am currently disputing inaccurate details within my credit reports and urge you to conduct a thorough investigation. Specifically, I request the removal of any false, incomplete, outdated, or unverifiable biographical information. This action is essential to ensure the accuracy of my records and to mitigate the risk of identity theft or erroneous file amalgamation.

I am formally requesting a thorough investigation into the accounts that I am currently disputing. I kindly ask that you send a copy of this letter to each furnisher and ensure that both you and each furnisher conduct a comprehensive investigation in accordance with legal requirements.

It is imperative that my request not be disregarded or met with generic form letters refusing to investigate. Rather, I urge you to treat this matter with the utmost seriousness, as I place significant importance on the accuracy of my credit reports. Having complete and verified information is crucial to me.

I have identified contradictory, incomplete, and potentially inaccurate information on my reports. I am unsure whether this discrepancy arises from unreliable information provided by the furnishers or from inadequacies in your reporting practices. Regardless, I implore both you and the furnishers to fulfill your obligations diligently.

This is an opportunity for all parties involved to rectify any discrepancies and ensure the integrity of my credit reports. Thank you for your attention to this matter.

For every listed account, ensure that the information provided is entirely accurate, complete, and verifiable. Alternatively, if any aspect of the account can not meet these criteria, it should be removed entirely.

I am not merely requesting a partial investigation into certain accounts ; rather, I insist on a thorough and meticulous examination of each account detailed below. Any discrepancies or missing information that I identify must be investigated fully and rectified promptly. Moreover, if there are errors or omissions that you observe and I have not mentioned, please address them accordingly or delete the entire account.

I will clearly outline each account and specify the inaccuracies or deficiencies that I believe exist. Your commitment to investigating all identified issues is greatly appreciated. It is imperative that every error, including incomplete information, is rectified across all accounts, or those accounts should be deleted if corrections can not be made. Furthermore, transparency is essentialI expect full disclosure of all information contained in my file, and I demand that every detail therein is entirely accurate, complete, and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with a XXXX from XXXX and told them that they are showing my account past due for XXXX on my credit report. He stated that he would get them to fix that because it shows that I have made all the payments they just don't show applying it to my account. He stated that their systems have been making big mistakes lately and they had a bad glitch. He said he will send it to their internal credit dept. and it should take 72 hours. In XX/XX/XXXX I went to apply for a car loan and we was denied due to the late showing my XXXX report. 
On XX/XX/XXXX I contacted XXXX at XXXX and spoke with XXXX. She looked at my account and confirmed the same as the rep from the previous call that I was never late for XXXX or any other month. We though that this happen because my scheduled payments were changed from the XXXX of every month to the XXXX of every month. After further investigations XXXX stated that would not be the case either because my change started in XXXX and it is showing on the credit report that XX/XX/XXXX was late. XXXX from XXXX stated that she would be sending this to the internal credit dept. to have them send an update to the credit bureaus showing I was never late. 
On XX/XX/XXXX I sent an a dispute to XXXX  and the came back with their results on XXXX showing the balance had been updated but the past due still shows on my account which made my fico score drop 56 points. 
XXXX I sent another dispute through XXXX and showed records that I am attaching here if able to show proof from my account at XXXX, I was never late and they received all my payments every month and the XXXX payment shows received. 

I feel that being turned down for credit because of the error XXXX created and XXXX not seeing the proof I sent to fix it is making my life stressful. I need to get this repaired and my credit report fixed. I have taken all the proper steps in contacting the bank, contacting the credit bureaus and still can not get it fixed. I have proof and I even have the statement from XXXX showing my payments received. 

I am asking for someone to please assist me with this matter because it is become a true hardship to get any of my credit in line and I am afraid that the current credit l have now will start pulling my line of credit or reducing my high limits due to this error that XXXX has created. I don't know where else to turn. 

Thank you, XXXX XXXX XXXX XXXX
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 than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : 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 identify theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED XXXX XXXX XXXX XXXX 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 Experian has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing at reasonable rates. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease-and-Desist Request to Delete Inaccurate Information from Credit Report XXXX  XXXX To Whom It May Concern : I am writing to formally request the immediate deletion of inaccurate and incomplete information on my credit report XXXX XXXXXXXX, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and related laws. Please note that this letter also serves as notice of XXXX of character caused by the continued reporting of false information. 
The following items on my credit report are inaccurate and must be removed : XXXX. Name ( AKA ) : Remove all aliases or variations of my name that are incorrect. 
XXXX. Inaccurate Addresses : Delete any addresses that do not pertain to me. 
XXXX. Revolving Closed Accounts from XXXX XXXX XXXX ( Account Numbers Ending in XXXX and XXXX ) : These accounts are inaccurate. Please provide XXXX forms for these accounts, as they appear closed. 
XXXX. XXXXXXXX XXXX XXXX ( Account Numbers Ending in XXXX and XXXX ) : These accounts contain inaccuracies and must be deleted immediately. 
Additionally, I am including FTC Report XXXX XXXXXXXX as evidence of a formal complaint made regarding these issues. 
Under 15 U.S. Code 6802, I remind you of your obligation to maintain the confidentiality and accuracy of my personal financial information. Moreover, under 15 U.S. Code 605B, as the victim of potentially fraudulent reporting, I am entitled to the prompt removal of all information resulting from identity theft. 
Please consider this a formal dispute and cease-and-desist request. I demand that you : XXXX. Immediately investigate and delete the erroneous information. 
XXXX. Notify me of the actions taken within XXXX  days, as required by the FCRA. 
XXXX. Cease reporting any false information to third parties, as this constitutes defamation of character and has caused damage to my credit reputation. 
Failure to comply with this request will leave me no choice but to pursue legal action, including filing a lawsuit for damages caused by the negligent and/or willful violation of my rights. 
Please confirm receipt of this letter and your actions within the statutory time frame. You may contact me at ( XXXX ) XXXX or email : XXXX for any additional information you may require. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app deleted my account with money on there and I am not able to access my account anymore. They shut down my account with out purpose nor telling me why they did it. I can not make another account & it makes it hard for people to send me money virtually because not everyone has the same apps as me.
Product: Payday loan, title loan, personal loan, or advance loan

Applied for loan with USAA ; was denied loan XX/XX/2023 because of XXXX score 1 ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high ; 2 ) Too many inquiries in last 12 months ; 3 ) Time since most recent account opening is too short ; 4 ) Amount owed on revolving accounts is too high ; After paying off debt to less than 31 % and increasing credit score to XXXX ; reapplied XX/XX/2023 and was immediately denied again. Letter stated : XXXX ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high -- at 30 % ; 2 ) Too many inquiries in last 12 months -- curently 4 ; 3 ) Time since most recent account opening is too short -- -over 12 months ; 4 ) Amount owed on revolving accounts is too high ; 30 % Called USAA loan service XXXX XXXX XXXX to get clarity on denial and the rep stated I must call XXXX because they are the reason for the denial and nothing more. She stated could be because I already have a unsecured loan ( never late ) or credit card balance - I stated that is not labeled anywhere you can't apply if you already have an outstanding loan ; didn't know what credit score was acceptable or number of inquiries were acceptable ; Credit cards are {$0.00} with USAA and stated that could also be reason for denial. Stated it was based on XXXX credit report. I stated without basic qualifications or even a credit score, how can you know if a person is qualified as XXXX just provides the information you use to review to make a decision. Feel this is discrimination if you can't provide details on why my loan was not approved and someone else was.. still waiting on call back from resolution team.
Product: Bank account or service

Social security profile was hacked and new bank account for direct deposit for wells fargo on XX/XX/2016 payment went into which is not my bank or account wells fargo refuses to return money back so i can get my payment to correct bank account
Product: Mortgage

This is not the first time I have complained about this company and its intentional tactics designed to harm consumers. 
On ( or about ) XX/XX/2017 I requested that PennyMac send me a copy of my deed and note ( I am doing a refinance to get away from this company ). I specifically told them to mail it to me and they told me they would and to expect it in a few days. On XXXX I called and was told they had not mailed it. I requested they fax it immediately and was initially told they could not do so, later they claimed they would ( I still have not received it at the time I am writing this ). I also again requested they mail it. I am certain they did not mail it to me as a way of preventing me from moving my mortgage to another company. This is not the first time I have had problems with PennyMac refusing to meet their obligations in regard to my mortgage. As of this writing I still do not have these documents.
Product: Credit card

At XXXX on XXXX, I booked a room with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Apple Card . When I arrived at the hotel a few hours later ( approx XXXX on XXXX ), I was told there were XXXX rooms of any type available, and they could not honor my reservation. They told me I needed to get a refund via XXXX I ended up going to XXXX XXXX and XXXX XXXX and booking a new room there. I immediately reached out to booking.com, and they told me they were unable to reach the hotel because they wouldn't answer the phone, so the charge would stay. I submitted a dispute with my apple card, which was closed against me due to " lack of evidence ''. I reopened it, and resubmitted my evidence per the Apple Card rep 's instructions, two more times. Today, it was closed against me again, and I called Apple Card, who told me that they never received any of my evidence on any of the three times I opened this dispute. I replied to their email with the requested evidence each time, but was told that they system showed I had never submitted any evidence on each of these disputes.
Product: Credit reporting or other personal consumer reports

XXXX stated Line of credit had past due balance on an account they closed 2 years prior. XXXX accessed late fees on a closed account, then has falsely reported late payments on credit report. Per FCRA Section 623 Section 623 ( a ), this information of payment history should be removed immediately as full statements have been requested but none were provided when disputed with credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX -XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - Opened XX/XX/XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month. 

XXXX XXXX ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )
Product: Debt collection

XXXX XXXX XXXX amount owe {$1100.00} XXXX XXXX Not My debt Called Company to dispute XX/XX/2020 COMPANY STILL HAS YET TO REMOVE/DELETE from my credit profile
Product: Debt collection

ASSETCARELLS/CAPIOPARTNE HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
Product: Consumer Loan

Fair Debt Collection Practices Act, 15 USC 1692 ( e ), violation. On XXXX XXXX, 2015 my spouse received a call from an unknown number. There was no message left. She then, received a text that said, " Hey girl, how are you? '' This content of this text leads my spouse to believe it 's from someone she has a personal relationship with ( a friend/acquaintance ). Since she was in a meeting she was unable to answer the phone but did respond to the text asking who the caller was. She receive no response and then sent another text asking the caller to call back and leave a message or to respond back with who it is. She received a response back asking her to just call when she was out. My spouse called the number after she got out of her meeting and it was a representative with First Heritage Credit of TN, LLC attempting to collect on the debt.
Product: Mortgage

I mailed my mortgage check XX/XX/XXXX. When not processed, I called every few days to see about next steps and avoid a late fee. I was told that after XX/XX/XXXX there would be a late fee. I called XX/XX/XXXX and they said my check had not been received. I made one online payment of {$1600.00}. On XX/XX/XXXX my bank account had the check received on XX/XX/XXXX and my debit as well as an unauthorized and extra charge to my bank via online for {$1600.00}. I called and SPS XXXX said that I could request my check be refunded. It may take 7-10 business days. I have called daily since XX/XX/XXXX. I have escalated to three managers. I have been told to call my bank and dispute charges, to keep waiting, that their processing is behind, that there is nothing they can do. 
I now have not been able to pay my own bills including my business 's rent. It is now XX/XX/XXXX and it is still not in my account. I log in and there is no way to see any amounts paid in the past. It is not shown, must be requested to be mailed. I also only received one email for my one online payment and it did not list the amount charged. I feel this company is using predatory measures to receive payment, late charges, etc. by holding checks, and making unauthorized debits despite consumers stating One Time on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX The above inquiries were supposed to be soft inquiries rather than hard inquiries. I will like these to be dropped off my credit report
Product: Debt collection

I recieved a letter marked XXXX XXXX 2015 from Robinson, Reagan, and Young pllc.The letter states that I owe {$160.00} to XXXX.I sent a letter back certified and it was signed for by an XXXX XXXX I believe ( cant make out signature and name was not printed ) on XXXX/XXXX/15. In the letter I asked for validity of this debt, copies of bills, why they think I owe this debt, and name and license number of the agent for debt collection in the state of Florida.I recieved another letter a few days ago just saying I failed to communicate with them about this supposed debt and to avoid action taken against me to call and make arangements.they did not address any of the questions I sent in the certified letter.I believe I am being scammed by this " business '' and would like some help please.
Product: Money transfer, virtual currency, or money service

These venmo people are ridiculous. So basically I got one payment last year from someone, then boom Im banned for so called violating something? No sort of violated occurred it was a {$20.00} payment and then boom I get an email Im banned well my account is frozen from even using the app, and I even tried to make another and I linked my card to that one, and that one became locked with {$200.00} dollars on it! I need both of my accounts unlocked! This is robbery without a gun basically and they want me to wait 180 days to get my money? And honestly its not even much about the money. Its how they locked me from using their app ever again! Violated terms of service how? No sort of customer service or ANYTHING. I provided my ID, I provided the info they asked to unlock and nope no help or anything. This is absolutely disgusting and absurd. I actually thought venmo was a really good app to use instead of unsecured payment apps like cashapp etc, but no they seem really sketchy for doing this to me. I would like my accounts back. Or at least of of them since I didnt violate any rules in the first place!
Product: Payday loan, title loan, or personal loan

I have 3 loans with upstart. I requested a cease and desist to no longer get mail. They stated they can not comply.
Product: Debt collection

Debt applied to credit report XX/XX/year> from XXXX XXXX XXXX {$930.00} not mine no knowledge of account
Product: Credit card or prepaid card

A charge for the amount of XXXX was place on my credit card for a service for a company I do not know. I contacted the credit card company ( bank of america ) and filed a fraud complaint. I then contacted the company who placed the charge to get more info. the informed me that the account that was created was for a XXXX, who I do not know. they stated that they did not know how the charge was placed on my card. and issued a refund. I cald bank of america back and advised what had happened. fast forward to today. bank of america billed me for the charge anyway and will not post credit untill I make a minimum payment. the only charge on this card was the fraud charge. I was told by Bank of America this is federal law and the do not have to abid by Ohio state laws.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding inaccurate information on my credit report. Recently, I came across a listing from National Credit Adjust under account number XXXX, which indicates an overdue amount of {$110.00} as of XX/XX/2024, which I have no record of engaging with, nor have I signed any legal agreements with them. 

Despite my efforts to contact National Credit Adjust to rectify this error and have it removed from my credit report, they have been uncooperative. As a consumer, I believe I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ), section 611 and I feel that my privacy rights have been violated in this instance. 

I respectfully request your assistance in investigating this matter further and ensuring the prompt removal of this erroneous entry from my credit report. Your intervention in this regard would be greatly appreciated. 

Thank you for your attention to this issue. 

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

Experian Member ID XXXX I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I copied from my online Experian credit report the item I am disputing ( see below ). The item I am disputing does not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
This lender has accessed my credit file : US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Per XXXX at the US SM BUS ADMIN ODA 800 number XXXX, the following Application # XXXX was submitted to their office that contains my personal information that has been used without my knowledge or consent. 
I want this removed from my credit report and the application SHUT DOWN.