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

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several Inquiries and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Product: Debt collection

I have received a second debt collection letter from a second collection agency for an outstanding bill from XXXX. I have never had any service or product from XXXX, and XXXX has never provided service in my state of residence. The latest collection letter from Afni , Inc. is dated XX/XX/2018 for an unpaid bill of {$850.00}, offering a settlement amount of {$550.00}, and also threatening to report this debt to credit bureaus, if not paid in full. I have called Afni, today XX/XX/2018 to inform them that I do not owe money to XXXX, and have never had any type of interaction or service with this company. In speaking with a representative, I was told that the original bill was incurred at an address in Florida, a state of which I have never resided or visited. My main concern is that this is the second collection letter, which I have received for a bill with XXXX, and wanting for these letters to cease. I am a senior citizen, and believe that I am being targeted with these types of letters demanding money, and with threats of having my information sent to credit bureau agencies, which will further ruin my credit. 
I plan on sending a letter to XXXX to insist that, they discontinue using my name and current addresses as a tool to collect unpaid debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt to get Experian to understand something is terribly wrong with their system. On XX/XX/2020, I paid off my car of XXXX dollars. On XX/XX/2020, I paid off my mortgage of XXXX XXXX dollars and my credit score dropped over 20 points, I went from good to fair. They continue to state keep accounts open. Well, a credit card I can understand that but not a car loan and a mortgage. I want to start the process if attempting to get another home but needless to say this is hindering me badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15 USC 1681 section602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 ; it also states a consumer reposting agency can not furnish a account without my written instruction.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00}
Product: Checking or savings account

I am due a refund from a company that will not respond to me. I filed XXXX disputes with Cash App with all of the information that they requested and more. They denied both requests and refuse to give me an answer as to why. I have called customer service several times and they all say the same thing " No error has occurred and your dispute was denied '' They are like robots. This is all of the information that I can get. They will not help me and they sure are not protecting anyone 's money.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I wish to formally state that I am exercising my right to dispute any inaccurate information found on my credit report by the Fair Credit Reporting Act. The integrity of my credit report holds significant importance to me, and I kindly seek your cooperation in addressing any discrepancies. I am aware that creditors must verify and substantiate the details provided in my credit report before utilizing them. I hold a firm belief that the accusations of delinquency and derogatory remarks attributed to me are unfounded, and I request substantiating evidence supporting the adverse status of my accounts. I humbly request that you furnish proof of a legitimate reason for the inclusion of any inquiry or account on my report. 

XXXX XXXX  - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the XXXX period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

we had a tornado damage our house and after fighting with the insurance company they finally released the checks to the mortgage company listed, i have been fighting with them since XX/XX/XXXX about releasing the checks in a timely fashion to avoid further water damage to the property, we do have tarps but they only do so much and with the amount of rain we have been receiving we are afraid that we are incurring further damages, i have explained this to the mortgage company i called them on the XXXX of  XXXX they said they were pulling the checks and they would be sent overnight ( i paid for that ) on Friday XX/XX/XXXX, we didn't receive them today in the mail so i called and they were never shipped and had to actually create yet another shipping label for them to be sent overnight again to be delivered tomorrow XX/XX/XXXX. there are several reviews regarding the same issues with this company and im doing everything in my power to finally stop it so that they dont victimize anymore people.
Product: Credit card or prepaid card

On XX/XX/23, I received a notification from XXXX that a new inquiry ( hard pull ) of my credit was requested by several banks ( XXXX, XXXX, and Bank of America ). I reached out to XXXX & XXXX, and their teams promptly addressed my issue and resolved it in less than 1 call. 

That same afternoon I called the B of A number listed as the contact on the inquiry and waited on hold for 20 mins. I gave up and called back on XXXX, finally reaching a representative that couldn't help but instead transferred me to their fraud team. The fraud team could not locate anything and returned me to the applications team. I was again on hold for another 15 mins waiting for someone to pick up. The representative was still unable to locate the application after several minutes, saying she needed a zip code and ssn to pull up any application. I let her know a fraudster could have given 1 of over 40k zip codes in the US. I then asked to speak with a supervisor, and she repeated the same line of questioning from the initial representative and then offered to transfer me to fraud which I had already talked with. 

Eventually, she said she would have to escalate this to a special team, and it would take 48 business hours for me to receive a phone call. In this day in age of identity theft, for one of the 4 biggest banks in this country to have this broken process of reporting identity theft is baffling.
Product: Debt collection

The company, Source Receivables Management, calls me every XXXX When I ask what company they are from, they state the companys name. When I ask what type of business this is, they immediately hang up on me. This is refusing to identify them as a debt collector which is illegal under both XXXX XXXX XXXX XXXX I have not even been able to discuss anything with them as they hang up every XXXX time that I ask them what their business with me is. This is an obvious case of malicious harassment by a debt collection agency that goes directly against state and XXXX XXXX requiring debt XXXX to identify themselves as XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information realting to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is correct
Product: Checking or savings account

Wells Fargo charged me over {$3000.00} in over draft fees on an account I declined over draft privileges on. I have spent countless hours on the phone and at bank branches for months trying to solve the problem. They refunded {$1800.00} approx. and 2 employees stated I would get the rest back. Once it went up the chain I was told I was lucky I got that back and they would not refund anymore. They caused me many missed hours at work between the phone calls and branch visits. I want all my over draft fees refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i disputed an inquiry on my equifax report that wasn't initiated by me. On XXXX the XXXX hours after i made the dispute equifax claims that they already did the investigation and it is a matter of fact. This is impossible because i know that i don't have an acounts from this company nor have i applied for anything. I believe they didn't do any investigation at all there isn't anyway they could have done an investigation in that short of time.
Product: Credit reporting or other personal consumer reports

Due to FCRA and the Privacy Ac of 1974 Equfiax are in violation of Consumer Laws. 
unbeknownst to me there was a security breach with Equifax that the bureau had to pay out up to {$420.00} million. After carefully reading consumer laws, i've notice that the credit bureau 's have been in business with non affiliated third party companies and reporting transactions without the authorization of the consumer. Such actions are payable in fines. 

" In XXXX XXXX XXXX  Equifax announced a data breach that exposed the personal information of XXXX XXXX people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories. The settlement includes up to {$420.00} XXXX to help people affected by the data breach. '' EQUIFAX NEVER expressed to me of any beach but continue to work with non affiliated third party companies which is in DIRECT VIOLATION. 

seems like the breach still exist i was in the mid XXXX.
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 items. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

I reported to Experian that my identity has been stolen and used to open fraudulent credit cards with XXXX and XXXX XXXX. They advised me to file a police report and an identity theft report, including the XXXX 's name and badge number, along with a copy of my Social Security card and proof of address. I completed all these steps, yet they have still refused to remove the fraudulent accounts. I contacted the companies, and they have indicated that these accounts have been under investigation for over XXXX  days, which means they should have been removed after XXXX  days.
Product: Debt collection

MG Credit has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$9500.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

Account information below : Account number : XXXX. 
Date Opened : XX/XX/2016 Original amount : {$690.00} I have made my research and MG Credit company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failure to provide notice of collection insertion. 
Misrepresentation of facts. 
Failure to mark account as disputed. 
Bill was contested and disputed which he did not incur, there was no contractual basis for debt. 
Negligence. 
Unfair business practices. 

Because all the damages and violations that I have suffered, I demand to get the account removed from my records as soon as possible. 

Please send the attached documentation to the company. 

Thank you.
Product: Credit reporting or other personal consumer reports

I

am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Vehicle loan or lease

Mercedes Benz lease was a corporate lease that ended in XXXX. 

A late payment was reported due to no fault of my own since they lease was paid by the company and not by me personally. This late payment is XXXX XXXX XXXX and dates back to XX/XX/XXXX. It must be removed since it is impacting my credit score. 

The lease balance outstanding was not charged to the lessor, the company that initiated the lease but was charged to me when the vehicle was a XXXX XXXX all electric vehicle with a lot of engineering issues and had to be flatbed to the nearest dealership each time. The break down incidents happen frequently and averaged 6 times per month. Thus, the vehicle was discontinued in XXXX and when the lease was returned in XXXX, the vehicle was scraped since it was discontinued and not sold due to frequent mechanical failures. 

I should not be charged the lease balance resulting in excess milages due to mechanical malfunctions since I was not the lessee. Please remove such balance fron my credit report. It is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account password media getting locked out and password media changing without notice. Attempted to call and keep getting hung up on it phone call drops unexpected it they can't hear me nor me best them but phone line still be going, something fishy if going on repeatedly wrong with my personal info and contract numbers I have never seen or old numbers as point of contact for present now. The more I dispute, they move changes spear of a different problem, being strung out over the course of going on ( 2 ) years now, and have completely taken over my company credit and my entire life.
Product: Credit reporting or other personal consumer reports

Since the year of XXXX my identity have been stolen, my information has been in Equifax data breach. I am a verified identity theft victim. There are red flags on my credit, preventing me from furthering my credit getting approved for loans getting approved for grants I have been financially impacted, this is ruining my life. There is incorrect information and fraudulent information on my credit report. Please remove these items from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) for inadequate customer service and unfair practices, which do violate the CFPA. To be specific, Cash app failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Alongside this, their dispute resolution process was unfair and deceptive, and did not comply with error resolution requirements under the EFTA and Resolution E. Such actions have caused great inconvenience and financial loss, and I seek appropriate redress for such violations.
Product: Credit card or prepaid card

XX/XX/19 Card was given to car rental company XXXX XXXX as to repair one scratch caused by me. 
XX/XX/19 Charge was made to a merchant whom I dont recognize for {$260.00} Later XXXX XXXX sends me the receipt for the repair charging {$260.00} to repaint bumper AND fender AND reform bumper XX/XX/19 Filed a fraud charge and temporary credit was given XX/XX/19 Charge was reapplied because I gave consent. I did to fix ONE scratch and nothing else. They went and repaired all the damage on the car made by other people too. Case transferred to dispute team. 
XX/XX/19 Dispute team grants temporary credit. I promptly submit a document explaining the story. 
XX/XX/19 Receive a letter saying investigation was not in my favor and credit will be reapplied. I state that its fraud. You cant have person A give merchant B a card and then merchant B uses at merchant C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX Balance : {$510.00} CB XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX  XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX