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

To : Equifax I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Credit card

I closed 2 credit cards with chase. A payment arrangement was set up to bring all current until I was able to settle and pay in full for both. The auto payments were set up and in processing a payment date was missed somehow. Upon realizing this, I made 2 {$500.00} payments, one to each card, in order to bring all current and to begin the on time auto payments for the payment plans. I received a call stating one was still behind and upon verifying, the rep stated both payments were applied to the same account instead of one to each. A supervisor was contacted in order to correct this. I was told this was 100 % chases fault and the payment would be moved, accts updated, credit reporting corrected and all updated with full apologies. I have received another call stating this was not the case. Upon checking my credit to begin my homebuying process I realized this was not the case, again. I contacted them and again was promised it would be corrected and just received another call harassing me for another large payment to bring acct current. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Five Fruad Accounts on All Three Credit Reports XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX {$690.00} XXXX XXXX {$610.00} XXXX XXXX XXXX {$120.00}
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX of inquiry XX/XX/scrub>XXXX XXXXXXXX  Date of inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX for XXXX XXXX , both in the amount of {$380.00}. The account status says past due and it should not say that as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release my signature as the item being reported to Experian by XXXX is a VIOLATION of the HIPAA Act of XXXX. 

XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by Quest providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX as well as XXXX XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX, XXXX XXXX, and all 3 credit bureaus : Experian, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Checking or savings account

Hi i was suppose to receive a {$100.00} Referral sign up Bonus for opening up the account with a referral please help with this thanks in advance. 

Referral used- https : //refer.firsttechfed.com/s/ankitar Terms - " Opens a qualifying checking account ( Carefree Checking, First Checking Plus, or Dividend Rewards Checking ) Deposits at least {$250.00} into the account within 30 days of opening and maintains at least a {$250.00} balance for 30 days from initial deposit First Tech will deposit the rewards into the Membership Savings Accounts of both parties within 30 days of the referred member meeting requirements. 

https : //www.firsttechfed.com/pages/refer-a-friend
Product: Credit reporting or other personal consumer reports

There is an inquiry on my transunion credit report that does not belong to me. I demand the following fraudulent inquiry be deleted from my transunion credit report immediately. Please remove the following - XXXX XXXX XX/XX/year> Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX requesting that the Credit Bureaus remove the disputed items completely from my Credit Report. I have been waiting for their response but up until now, I haven't gotten anything from them. I immediately sent another letter dated XX/XX/XXXX to follow up the previous letters I have been send. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed items without proper verification within the time declared by law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting that the disputed information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX 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 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 EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

We are a military family. Over the recent years we have moved from state to state. Recently I discovered that my maiden name was used to open up several accounts. I have tried reaching out to portfolio recovery several times for a debt validation and I have yet to receive a response.I am currently in the process of trying to gain security clearance and these 3 accounts are withholding me from pursuing my career. I am at a total lost as the company has not responded or reached out to clear up their mistake.
Product: Payday loan, title loan, or personal loan

I applied for a loan online thru their site to get help with my credit consolidation I sent over all my personal info and filled out the application. I never heard anything back from them. Have called SEVERAL times and no one answered. and emailed also!! No one will get back to me. I do not trust them and do not want the money at all anymore. Unsure what they did with my info and how I can move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I called my credit card to ask them of they can settle my account at a lower amount that is owed because of some financial hardship. I spoke with the initial lady and she just kept telling me because I was being by one payment they were not able to help me at this time. So I asked to speak with a supervisor and the gentleman that answered said the same thing. He did not want to help me at all with my financial situation when XXXX told him I can settle now at at lower amount due but he did not want to help the situation. I also cancel this card already, I just want to be done with it and the way it off.
Product: Debt collection

PayPal has sent collection of {$92.00} to a partner debt collector who sent me a letter saying I owed this amount to PayPal. I dont use PayPal XXXX ever. I tried calling them and they do have an account attached to my name/phone number. Attempts to try to get an agent on the phone I was told my account is flagged and that I need to speak directly to their partner debt collector ( XXXX XXXX XXXX, and was automatically routed to that company. I hung up believing this is some kind of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus are reporting my XXXX XXXX XXXX account as being late on XXXX, XXXX, XXXX, XXXX as being late. these payments were late due to covid pandemic, and it should have been reported as such
Product: Credit card or prepaid card

I was fraudulently charged a purchase of XXXX cell phones made by some random individual who lives in Indiana over a year ago. Wells Fargo has admitted and agreed that this was not my purchase but yet keeps charging me interest as well will not take the charge off my account. I have over XXXX calls into Wells Fargo yet they keep bringing me around the same circle and the case never moves forward and it is not dropped even though they know these were not my charges. This has also done damage to credit score. If someone from the public can read stay as far away from Wells Fargo as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dont know who is XXXX/ XXXX ?

This company pull my credit without my Authorization on XX/XX/2018.

This issue takes down my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX US SM BUS ADMIN XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know : 1. several years ago the highest credit score was XXXX, now its XXXX  2. how is this possible?

3. who gives these credit companies the right to up the scores at will 4. This has created millions of people that are now in a lower bracket and as such, now must pay more for credit!

This is a violation of law under the Rico act, as these companies are aiding major corporations to increase profits and they are doing it for increased income for themselves.
Product: Credit card

I purchased an HVAC system through Lowes Home Improvement on my lowes Credit card. I signed a contract on XX/XX/2015 for Installed services by XXXX/XXXX/2015 with the only condition of weather permitting. The final installed date was XX/XX/2015. There was no weather delays. The installer stated that his schedulling was first come first serve. Charges began accruing on the credit card begining XX/XX/2015. I asked Lowes to refund only the credit charges due to the failure to meet the terms of the contract and considering the fact that charges accrued on the service even when the service had not been delivered. They did not respond despite multiple calls.
Product: Checking or savings account

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding two separate but interconnected issues : fraudulent vehicle repair services provided by a family member and an unresolved refund dispute with Cash App.Regarding the fraudulent vehicle repair services, on XX/XX/2024 I entered into an agreement with a family member for repairs on my vehicle. As per our agreement, I was to make payments of the car repair of {$350.00}, then {$300.00} every two weeks for the services rendered. However, despite my adherence to the payment schedule and providing evidence of our contract, the family member unilaterally reclaimed the vehicle, breaching our agreement. 

Despite providing Cash App with screenshots, voice recordings of the contract, and the signed agreement, I have received no satisfactory resolution to the refund dispute. Cash App 's customer service has been particularly disappointing, with repeated attempts to escalate the issue resulting in interactions with automated responses that fail to address the specifics of my case. Despite my clear evidence and requests to speak with a supervisor, I have been met with the same automated responses, leading to further frustration and dissatisfaction.In light of these circumstances, I am requesting the following actions : A thorough investigation into the fraudulent practices of the family member involved in the vehicle repair services and appropriate regulatory action to prevent further consumers from falling victim to similar schemes.A full refund from Cash App for the disputed transaction, as I have provided ample evidence to support my claim. 

An overhaul of Cash App 's customer service procedures to ensure that consumers are provided with timely and effective assistance, including access to human representatives for escalated issues.I trust that the Consumer Financial Protection Bureau will take these matters seriously and work towards a satisfactory resolution. Please acknowledge receipt of this complaint and provide guidance on the next steps in addressing these issues. 

Thank you for your attention to these urgent matters. I am available for any further information or clarification required. 


Sincerely, XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. The account is reporting incorrect information, this account has been paid in full. I made contact with XXXX to make the correction, they said they would correct it but did not.
Product: Credit card

On XX/XX/XXXX I was charged {$210.00} from the merchant XXXX XXXX XXXX XXXXI have never purchased anything from this company, nor have I been to XXXX XXXX, Florida. Once I noticed the charge, I opened a dispute ( XX/XX/XXXX ) with Citi. Before Citi would proceed with the dispute, they asked me to contact the merchant and seek a refund. 

I tried to contact the merchant both by telephone ( ( XXXX ) XXXX ) and email. I never received a response. 

After contacting Citi again, they agreed to open a dispute ( XX/XX/XXXX ). 

I sent over all the information Citi requested, and after several weeks, they resolved my dispute in favor of the merchant ( XX/XX/XXXX ). 

I have never seen a clearer case of fraud. If you XXXX " XXXX XXXX XXXXXXXX XXXX  '' you will inundated with numerous testimonies from other victims of this fraudulent company. 

This is the email I sent to Citi : " Here is the required documentation for the aforementioned dispute. 

I have tried to contact the merchant multiple times. I have yet to get a response. 

A quick XXXX search clearly shows that XXXX is a scam company. It is impossible to contact them. All reviews of the " company '' are simply other people complaining about their credit card information being stolen. '' I'm not sure what else I can do. Hence, why I am opening this case with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX Account XXXX/Exclusive Furniture Account Number XXXX XXXX Account Number XXXXXXXX XXXX  Account Number XXXX XXXX & XXXX Account Numbers XXXX 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 or other personal consumer reports

Ive asked XXXX XXXX to remove this unauthorized and unrecognized hard inquiry from my credit report.
Product: Debt collection

California XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX ) has repeatedly flagged the same debt as a Collection on my credit report. XXXX  times thus far ( XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX ) treating each as its own collection. After calling them to request a mail copy of the debt and calling to pay the debt ( {$260.00} per flagged records ) they stated there are actually XXXX ( XXXX ) collections ( XXXX from XXXX and XXXX from XXXX ) and will not honor the {$260.00} fee wanted {$290.00} for each.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the inaccurate reporting of a negative entry on my credit report across all three major credit bureaus. Despite my repeated attempts to address this matter, it remains unresolved, and I am deeply concerned about the continued inaccuracy. 

The latest credit report I received clearly shows discrepancies that are impacting my creditworthiness. Although the entry is listed as current, the payment history for this account incorrectly indicates 30-day late payments for XXXX, XXXX, XXXX, and XX/XX/year>. This inconsistency is present across all three bureaus, and it is unacceptable. Please see attached screenshot.
Product: Credit reporting or other personal consumer reports

I disputed some incorrect information on my credit and nothing has been done then I just found out all three are being sued for this action