23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today I received a notification through my XXXX app that my credit score DROPPED XXXX POINTS. Today I also gave my homebuilder a {$2600.00} deposit to hold my home. The score drop is CATASTROPHIC to my ability to purchase a home. I was not notified of this collection before it was added to my credit report. I have received no mail giving me my 30 days ' notice of my right to dispute. This is completely unacceptable. I am working so hard to fix my credit and then I got this blowback. This is NOT RIGHT. There is no reason that I was not notified of this, and I need your assistance to help me exercise my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Intercap Lending through it's agent XXXX XXXX submitted an unauthorized credit enquiry without my consent/approval. The Agent XXXX XXXX was explicitly told not to authorize any credit inquiry prior to my approval yet she went ahead and performed this inquiry impacting my credit score The company details are below : Intercap Lending Home Loans and Refinance XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are from unauthorized use of my social security number and card. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.. XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX XXXX, and XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$320.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experians inaction violates federal law and my rights as a consumer. 

These are the disputed accounts : XXXX XXXX XXXX Account : XXXX  XXXX XXXX XXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX - XXXX
Product: Debt collection

I looked at my credit report and i learned that Portfolio Recovery Associates is currently reporting XXXX accounts on my credit file as revolving accounts as charged off. I have no knowledge of these debts. I was never given the right to dispute these items either. XXXX is a collection agency and is not allowed to report accounts as revolving on my credit file. I have no knowledge of these debts. they should provide some kind of proof that these debts in fact belong to me XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX a Billing Error Notice & Request to Refund all credit balances in excess of {$1.00} ( Pursuant to 12 CFR 1026.11 Treatment of credit balances ) was sent to Goldman Sachs Bank USA, which was received by the recipient on XX/XX/XXXX, XXXX XXXX  ( USPS XXXX # XXXX ). To date the documentary evidence requested has not been provided namely the XXXX accounting entries showing evidence of an actual debt owed. The only thing received were the same statements which contained the billing errors to begin with. No correspondence or communication in response to the billing error whatsoever. 

Within the same notice a request to refund all credit balances in excess of {$1.00} was also included of which Goldman Sachs Bank USA has 7 business days to comply which it has not to date. 

Furthermore, on XX/XX/XXXX a Bill of Exchange ( valued over {$91000.00} and clearable within the US banking system and for presentment to the UNITED STATES TREASURY ) was mailed and received XX/XX/XXXX, XXXX XXXX  ( USPS XXXX # XXXX ), to date payment has not been applied to account.
Product: Prepaid card

Was given XXXX pre-paid AMEX giftcards, after activation couldnt use the cards at any retailers. Called customer service and was told the restrictions would be lifted and to wait XXXX hours. After waiting XXXX hours the cards still have yet to work. Called again and was told the same thing yet again. Still have yet to resolve the issue.
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 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 identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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

hello i have hardinqieries on my credit report that was not me XX/XX/XXXX EQUIFAX XXXX EQUIFAX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

America express business platinum card shut my account down. For point fraud claiming we used our points in a way that abused their policy. They would not tell me anything about what the alleged abuse We have NEVER done anything like that. That makes me even more concerned that there was fraud potentially on my account and instead of confirming its usage with me like any other company would when fraud is noticed. they indiscriminately shut my business card down. 
That card is used to help pay vendors in my XXXX XXXX. The most vulnerable population during COVID 19 pandemic. Putting me in a cash flow crunch  causing me to risk choosing between exorbitant PPE pricing, and payroll for my over 300 employees. The  hindrance to my XXXX  XXXX  I XXXX  for is absolutely sad! They a credit card are shutting down credit over a point issue that could possibly be cyber security breach that they are covering up!
Product: Checking or savings account

I was scammed by a bitcoin scam. As soon as I paid scammers I realized I was being scammed. Even though payments were pending bank said they could not cancel payments. The bank is TD
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION FROM EMCMORTGAGE FOR THE YEAR 2008 FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX HOWEVER, THIS WAS NOT THE CASE. 

THIS IS NOT A DUPLICATE XXXX.
Product: Checking or savings account

XX/XX/XXXX = Received XXXX  report showing a XXXX XXXX inquiry/possible account opening. 
XX/XX/XXXX = ( XXXX XXXX ) Contacted XXXX XXXX customer service via XXXX and spoke with XXXX @ XXXX office. She transferred me to XXXX in the Security/Fraud Department. With a full name search he was able to find out that an investment account was opened, but flagged and closed. He told me there was no funding into the account and no transactions were processed. XXXX was unable to provide me with a written statement ( mailed or email ) stating this information but directed me to send a written letter to Charles Schwab & Co , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
XX/XX/XXXX = Dispute letter and Identity Theft Report mailed to XXXX XXXX via USPS Registered Mail to the XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address. 
XX/XX/XXXX = UPDATE : No communication from XXXX XXXX XX/XX/XXXX = Dispute letter and Identity Theft Report mailed to via USPS Registered Mail to 1 ) Charles Schwab & Co , Inc., XXXX XXXX  XXXX, XXXX XXXX, CA XXXX and 2 ) via USPS First Class Mail to the XXXX XXXX Operation Center, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
XX/XX/XXXX = Complaint submitted to Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX, Equifax Subject : Dispute Regarding Initial Notice Sent to Non-Mailable Address Account Name : XXXX XXXX XXXX XXXX Account Number # : XXXX I am writing to dispute an entry on my consumer report concerning an initial notice from XXXX XXXX XXXX XXXX. The notice was sent to a non-mailable address, and as a result, I requested its IMMEDIATE REMOVAL from my consumer report. I also filed an ( Exhibit A FTC Identity Theft Report for XXXX XXXX XXXX XXXX ) see attached. Notification of Negative Information : Section 623 ( a ) ( 7 ) requires that if negative information is provided to a CRA, the furnisher must notify the consumer of this information in writing within 30 days of reporting it. Sincerely, XXXX XXXX XXXX I revoke my permission to any and all agreements that were made by any original creditor to sell, share, transfer, or assign my personal identifying information. I do not have an agreement with XXXX XXXX XXXX XXXX nor have I ever had one. I do not giver written, non-written, verbal, and nonverbal to share, assign, transfer or sell my personal identifying personal. This will be considered identity theft if I did not give XXXX XXXX XXXX XXXX my permission to have social security number, name, address, and phone. 
I have attached proof of Identity such as my driver license and lease agreement not to sell, trade, or assigned. I have a right to privacy according to the Privacy Act of my personal identifying information. 

15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
Product: Money transfer, virtual currency, or money service

[ XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX ] XX/XX/XXXX Block, IncXXXX ( formerly known as Square, Inc. ) Square Capital , LLC License # : XXXX Institution Name : Block , Inc . 
Officer Name : XXXX XXXX Address : XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : XXXX Dear Sir/Madam, I am writing to demand the immediate release of funds amounting to {$4700.00} from our Square account. Our company, XXXX XXXX XXXX XXXX, has diligently followed the terms outlined by Block , Inc., as per the email dated XX/XX/XXXX. It was explicitly stated in said communication that on XX/XX/XXXX, the sum above would be made available for withdrawal. Regrettably, despite fulfilling all stipulations, this release has not occurred. 

It has been 90 days since the specified release date, and the funds have yet to be disbursed. This delay is not only in direct contravention of the terms agreed upon but also constitutes a breach of contract on your part. Such actions are unacceptable and have resulted in severe financial hardship for our company. 

At this moment, we demand that Block, Inc. immediately release the sum of {$4700.00} to the balance of our Square account for withdrawal. Failure to comply with this demand within 24 hours of receipt will leave us with no alternative but to pursue legal action. Please be advised that we will not hesitate to initiate a lawsuit in a court of law to seek restitution for damages incurred due to your breach of contract. 

We trust that you will promptly and appropriately rectify this matter. Should you require further information or clarification, please do not hesitate to contact us at XXXX. We anticipate a swift resolution to this issue and the immediate release of the funds owed to us. 

Sincerely, XXXX XXXX Co-Founder [ XXXX XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it concern I have asked Barclays to validate this date multiple times. They keep saying this so called debt is verfied but they havent sent me documnetation of this debt and its on credit report. The law states they must provide proof to these debt. They havent provided no documentation at all.
Product: Credit reporting or other personal consumer reports

My loans were forgiven XX/XX/year>. After a month I disputed with the credit bureau Experian. XXXX says I still have a balance, they verified debt. I then showed proof to experian and XXXX still verified the debt as correct. They will not remove the debt. I gave up until I heard of you CFPB.
Product: Credit reporting or other personal consumer reports

I'm having problems again with Experian and my credit score dropping with no explanation. I opened a dispute Report XXXX  XXXX XX/XX/XXXX stating that experian dropped my credit socre by XXXXXXXX XXXX. I never received an explanation and they did not restore the full XXXXXXXX XXXX 

New complaint - I checked my credit score today ( XX/XX/XXXX ) and my credit score dropped XXXX points from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see no transactions, significant increase in credit use, no accounts closed or any other reason why my score would drop. Same problem as previous complaint : no way to submit a dispute with Experian about Experian ; can only submit a dispute about a creditor. 

I'm starting to feel targeted with this happening a second time a little over 1 year from the last incident and Experian not providing any explanation. I received an email from Experiean stating the dispute was completed/closed and could be viewed ; when I tried to access the results/comments, there was nothing to view. 

I also pulled my scores today ( XX/XX/XXXX ) from the other agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am currently disputing debts that are allegedly owed on my credit reports. I have sent numerous letters to the collector to validate other alleged debts - which they have not been able to validate and now they have added another older debt onto my report for {$620.00} opened on XX/XX/2018. I have also looked up this original creditor and I have never lived or been to XXXX XXXX, Nevada. Ever since I have asked for validation from this collector they are arbitrarily and viciously adding more debts without my knowledge that the debt even existed without sending me proper notices for validation. I have been sending these letters of validation and they have failed to validate that any of these alleged debts are mine without proper proof. Furthermore, these debts are outside of the statute of limitations. I will also be filing complaints with the XXXX and the Texas Attorney General 's Office today.
Product: Credit reporting or other personal consumer reports

I called call center at XXXX And I received an answer from an individual that had broken XXXX. She stated she was from XXXX and then when I was answering a few questions she then hung up on me. I am unable to get into the online account. I dont know if this is because of my XXXX XXXX. I feel that my phone does this with more things Im attempting to do emails hacked etc. Ive tried to change my number numerous times and change phone but when I get my personal information. This program comes back to haunt me. I just want my life back and cant get away from whatever it is haunting me online. I will say numerous times looking for my location it came up as if I was in XXXX. On my last XXXXXXXX XXXX is the current phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  ( Finance ), XXXX XXXX XXXX ( Bank ), XXXX XXXX ( Bank ), XXXX ( Finance ), XXXX IXXXX XXXX  ( Finance ), XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Auto ), XXXX XXXX XXXXXXXX ( Bank ), XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) , XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX Bank ), XXXX Card Services ( Bank ), XXXX XXXX XXXX  ( Bank ) , XXXX ( Bank ), XXXX XXXX XXXX and XXXX XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the 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 if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Student loan

My loan is with Navient. For the past several moths I 've been having issues getting to my information then found out is was incorrect in their system. My social security number and account number is under someone else 's name and birthday they refuse to help me correct it or and gave me abother number to call but it was automated and could n't get me anywhere. I 'm suppose to make a payment on XX/XX/XXXX but ca n't because I ca n't get into my account but yet when they send me bills my information is correct. Ive also tried to lower my payments because with all my other bills i struggle to come up with that much extra money, but they have told me i have no other options and havent even tried to work with me. Ive even told them that im about to go through a divorce and will be a single mother making uner XXXX a month and they told me there was nothing they could do. I 'm not sure what to do at this point.