23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items on my report several times, Equifax refuse to delete items that have already been disputed on  XXXX . I asked them repeatly to provide me with proof of their verification which they refuse to send me. I also had   XXXX   public Records listed on my report. law as of   XXXX   XXXX   state if cant verify it has to be removed. well all   XXXX    credit agencies removed one of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also   XXXX   of the collections account was removed ( Interstate credit collection ) and they put it back with out notifying me within 5 business day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method professional   XXXX   XXXX   is undeliverable and how can you delete   XXXX   but verify the oher, please delete
Product: Payday loan

I was contacted by this agency this morning and they advised me that I had an outstanding balance in their office, I notified them of my bankruptcy filing over a year ago, gave attorney info as well. 10 minutes ago I received another call from the agency, the person said they never called again, I advised was on my caller ID, and look at my notes from earlier in the day, she said I see you filed bankruptcy when was it, I advised all info including attorney name and phone were provided, the representative then said, you must be a welfare XXXX and hung up on me. I called back and the rep said it was n't me who called but we wo n't call again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb & Credit Bureaus ; XXXX XXXX! I have actually been trying to reach out to the CRA 's for the last 6-8 months to attempt to remove/delete unknown, not-required previous or old addresses from my credit report, but for some reason, I'm unable to get any results or responses from them ;, TransUnion, XXXX, and XXXX. I've mentioned and listed the addresses that I need to be removed from my credit report. Honestly, the only address that should be listed in my current address. Anything else needs to be removed ; for example, i need the following removed : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, CT XXXX.
Product: Money transfer, virtual currency, or money service

I've emailed skill minimum 12/15 x in a month to get guidance on getting in getting my account verified or closed and same automated message comes through. Either have actual representative or chat to assist people because I can't even get my meds filled now due to a month plus waiting. Had deposit come through then told verification was necessary sweeps casino I used didn't say Skrill needed anything now the documents I sent doZens of times still rejected. I've begged and pleaded so much now I've lost count. Id like to verify account but this is to much for anyone wish I'd red reviews prior to agreeing to use this company now tried stopping it but was to late now gave XXXX $ in limbo that I need
Product: Debt collection

I have this reporting to the credit agencies however I never recieved any notice reagarding an attempt to collect a debt to even verify the validity or that it in fact belongs to me. I have disputed this with the credit agency requesting that the agency verify the information being reported to them is my information.
Product: Debt collection

I have never received any type of communication that this is a debt I owe. If so, I would like to see that contract or agreement I made with this party that would show there was a contractual agreement.
Product: Checking or savings account

XXXX. Received an email informing me that a debit card was being sent to me XXXX. Found address was not in my XXXX XXXXXXXX being sent to XXXX XXXX  ( notification spelled exactly as in email ). 
XXXX. Called customer service and had to verify my identity with my phone number XXXX. Told that account was opened on XX/XX/XXXX ( 2 days before this call ) XXXX. Asked for information how this account could be opened without verification from my mobile phone, email or any other method. 
XXXX. Was transferred to another department and demanded they provide information on how an account could be opened in my name with no verification ( email or phone ). 
XXXX. I informed them that they may have a security breach since an account had been set up with account and routing numbers- All without verification. 
XXXX. The agent stated they have limited information available to them and had no idea how this could have happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2018, I have been on this phone for 2 hours with Equifax. I have verified myself over and over and over. Equifax has placed a number of freezes that I did not request. This happened within the past 30 days because I was approved for a car loan with no problems. Now XXXX XXXX can not get into my account because of all of these different freezes that I did not authorize. Just three weeks ago, I got a car loan and no problems via Equifax report. Something happened and Equifax has tampered with my file without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is inaccurate, I have tried numerous to contact TransUnion, XXXX, and XXXX to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX FL XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Original Creditor : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Through numerous requests, I've followed the guidelines of the FCRA in requesting that Experian fulfill their mission statement and report accounts with integrity. Experian have failed to provide me with ANY documentation or physical proof of their methods of verification, even though I've requested them with numerous certified dispute letters. All of these letters were FCRA 609 ( a ) ( 1 ) ( A ) based,  which means they were obligated to provide me with a tangible original signed consumer contract with my signature on it, showing that they've effectively investigated every account I've disputed. 

In addition, neither Experian, the collection agency " XXXX XXXX '', or the original creditor " XXXX XXXX XXXX XXXX XXXX '' have responded since XX/XX/2015 with ANY documentation. When creditors and collection agencies don't respond to a FCRA 623 letter, I have no choice but to direct my dispute with the bureau. I'm NOT claiming identity theft, instead, I am demanding that this account be removed as it does not belong to me and I have no knowledge of it's origin! 

I have sent my non-response letters, therefore how are you verifying something that I absolutely can not get verified? The original creditor is not XXXX accredited, they do not answer their phone, they have no website or email address, and XXXX says it's an entity of two employers, their company isn't even registered with the CFPB. Who are these people?! Nobody knows! And ultimately, I no longer care. What I do know is that Experian have NOT verified this information and they need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX americredit gained unauthorized access to my credit report and this has caused a dent on my credit score, this grave inquiry has affected my credit worthiness for months and its a violation of 15usc1681n.
Product: Checking or savings account

I was scammed when using messenger thinking it was my sister in law account. Come to find out her messenger was hacked. This caused me to lose {$200.00} using XXXX through my Huntington Bank account. 
Huntington is saying since I authorized payment, they will not cover the {$200.00}. I did not know at time that it wasn't my sister in law account. 
The payment was made on XXXX.
Product: Credit reporting or other personal consumer reports

After directly addressing Kovo Inc to cease the sharing of my non public personal information to third party affiliates and as it is not permissible to report late payments.. Kovo directly continues to infringe on my rights after the implied consent that the company May report however after stating to them they MAY NOT share any information and thus only to which is permissible. 

Kovo inc. employees proceed to infringe on my rights, infringe of their own privacy policies due to the untrained staff and lack Of knowledge of consumer rights. 

No where in a Kovo Inc agreement. Does it state they are REQUIRED TO REPORT only they may which implies a choice. I conditionally accepted the agreement. Kovo inc does not have the option to cross out or conditionally agree online however upon quitting in to support i have made this direct and clear to cease and further late patent reporting pursuant to 15 USC 1681b and 15 usc 6801
Product: Checking or savings account

I am writing to file a formal complaint against Cash App regarding fraudulent charges made to my account on XX/XX/scrub> 2024. Someone gained unauthorized access to my Cash App account and made multiple fraudulent charges. Upon discovering these charges, I immediately reviewed my transaction history and found several unauthorized transactions to merchants with whom I have never conducted business. 

I promptly disputed these charges on XX/XX/year>2024, but encountered difficulty in reaching Cash App 's customer support. Despite my attempts to contact them, I was informed that they have limited availability for assistance. The funds that were fraudulently taken from my account were essential for paying bills. Despite my numerous attempts to resolve the issue, Cash App 's customer service representatives were unhelpful and instructed me to dispute each charge separately. 

Furthermore, on XX/XX/XXXX, I received an email requesting verification of my account through the app using my driver 's license. However, upon attempting to verify my identity by taking a photo of my face, the app stated it could not verify me. I believe this was discriminatory as my appearance has changed since the photo on my license was taken. Despite providing additional verification through email, Cash App closed my account without attempting to verify my identity again. 

I have contacted Cash App support multiple times regarding this matter, yet they have not addressed my concerns or refunded the fraudulent charges totaling over {$1000.00}. This situation has caused significant financial strain as Cash App is where I typically receive my deposits, including early direct deposits. 

I urge the Better Business Bureau to investigate this matter and ensure that Cash App takes appropriate action to refund the fraudulent charges and improve their customer service procedures to prevent such incidents from occurring in the future. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

a payday loan was taken out without my knowledge I did not apply for the loan tried to contact the company to let them known things where taken out of my credit without my knowledge
Product: Debt collection

I went to XXXX XXXX XXXX Hospital back around XX/XX/2016 I was treated for wrong service. The hospital waived the bill but the dr bill has been on all 3 of my credit reports and has been in debt collection with transworld systems. I have disputed this item several times. They tell me we can keep it in dispute but it has to stay on your credit report to damage my credit. This is not fair to me. You can check with the hospital their bill was waived. I'm trying to get a mortgage and this account is adversley affecting me. I will not pay for services that were provided that were not the right services. If the hospital agreed I don't see why this should be on all 3 of my reports damaging my credit. I am begging you to please remove ASAP from all 3 reports. If not I am going to now get an attorney involved and prove the case. The hospital dropped their end right in 2016. I am XXXX and being taken advantage of. The amount is for {$1400.00} on XX/XX/2016
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see an unauthorized inquiry on my credit report, and I have no idea why its there. I regularly check my report, but this time, I found unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the issue persisted. This is extremely frustrating, and I need this matter resolved immediately. Please review the documents I sent carefully so I dont have to deal with this stress again.
Product: Money transfer, virtual currency, or money service

I had a deposit for XXXX. It was supposed to be deposited into my venmo account. The account number was XXXX digit off. The check was being deposited by XXXX XXXX XXXX. Venmo is saying they never got it and deposit was confirmed by XXXX. I Provided Venmo with the wrong, right, and tracing number to locate the funds. XXXX will not recall it or send paper check until venmo send it back. Venmo never received it. I spoke with an attorney due to the irs saying If I can't get the funds I need to go to court. He advised me to reach out to both companies again. I contacted XXXX again on XX/XX/year> they keep providing me with different information like XXXX XXXX, XXXX, and different banks. I have emails from venmo. Staying they have gotten it and reach back or to XXXX.When trying to get a written response from XXXX they blocked me. Sherly id # XXXX stated that they will get back to me with the written response in 72 hours and they just blocked me in 72 hours. I'm not getting anywhere with either companies and I'm trying to avoid court if necessary. Please, if you could help me I would greatly appreciate it. Thank you do much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax, XXXX, & XXXX about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these UNAUTHORIZED inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX, XX/XX/XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

I NEVER RECEIVED THE ORIGINAL VALIDATION NOTICE - LETTER FROM CREDITOR.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX  I mailed a dispute letter to Equifax requesting a detailed description of the reinvestigation procedures for items that they verified as accurate on my credit report. According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the accuracy or completeness of information on their credit report, the credit bureau is required to conduct a reasonable reinvestigation. 

To date, I have not received a response from Equifax regarding my request or the results of the investigation. By not providing the reinvestigation procedures or responding to my dispute, Equifax appears to have violated my consumer rights under the FCRA. 

I am including a copy of my original dispute letter to Equifax as proof.
Product: Vehicle loan or lease

As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing  Santander Consumer USA a s a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of  Rule 5000 F DIC, that it has been in defaul t for 180-days or more . This is the federal mandate, not mine. This loan is currently being paid on and is current.  Santander Consumer USA i s maintaining a charge off even though the  180-day la te timeline was never reached, and  Santander Consumer USA ne ver filed a default on record with any  XXXX  filing with the  Securities & Exchange Commission . I am a member of th e  XXXX  Community  that came to  America  for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full.   SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!!   I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!!   SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!!   I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!!   THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!
Product: Student loan

I consolidated my federal student loans in XX/XX/XXXX to apply for PSLF. PSLF application submitted XX/XX/XXXX. I have worked for the same employer since XXXX and made well over XXXX payments. Since submitting, I remain at XXXX payment counts. Payments from XXXX to XXXX remain missing despite having the same employer. I've spoken to Mohela who says they're waiting on FSA. FSA responded to my initial complaint saying Mohela has all the necessary information.

I have asked Mohela to process the payment information from FSA so that my counts can be updated. It is now XXXX months since application and I have not seen any updates.
Product: Debt collection

On XX/XX/XXXX the company Medicredit contacted me about an alleged debt. I responded on XXXX XXXX asking for debt validation. On XX/XX/XXXX, I sent my second response to Medicredit as I only received a medical bill, which does not constitute debt validation. XX/XX/XXXX, I received a total of 6-8 letters with varying amounts due and varying account numbers from Medicredit. Some were duplicate amounts with different account numbers and some had different account numbers with same amts due. I responded to Medicredit on XX/XX/XXXX, again, asking for debt validation, specifically something that bares my signature. As of today, XX/XX/XXXX, I received a notice from XXXX that Medicredit has filed the collection on my credit file. This is highly illegal as I am still in the dunning period and they have yet to verify the debt belongs to me. All my communication to them has been sent certified, which I have receipts of as well as copies of ALL our communication which I have attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$5500.00}, {$3700.00}, {$1800.00}, {$8000.00}, {$5000.00}, {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.
Product: Debt collection

Stafford Group is calling me about a supposed debt. They have called my XXXX yr old Daughter on her cell phone, my ex husband, my elderly parents. Stafford Group never disclosed to anyone it was an attempt to collect a debt, they told XXXX yr old Daughter there is a case against me and also called my ex-husband. I have screenshots of all of their calls. Stafford Group called XXXX XXXX  and left a message on a random phone stating I owe money and there are charges being filed against me. I have a statement from XXXX XXXX. My elderly parents and ex husband are getting calls all day from them. They have threatened all of us, used illegal debt collection tactics. We have hired an Attorney against Stafford Group
Product: Payday loan

one click cash payday loans charged my account 5 times different amounts causing it to go over drawn by XXXX the new York state attorney general office want after this company and I do not own on this loan but I owe XXXX to XXXX for the a tamps to taking out money for payment I want this company to pay XXXX the XXXX fee
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}