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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Mortgage

I have a mortgage loan ( Convention 30 yr ) with Select Portfolio Services , Inc ( Loan # XXXX ), XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( cell ). I've applied for the Pandemic hardship and submitted documentation according to the application procedures set out by the lender. However, during that process when nearing the XX/XX/ 2021 date, SPS began practicing predatory lending practices. For example, I would complete the documentation submission for Pandemic hardship application yet, SPS would kick it back as incomplete stating that I needed to submit a " Retirement Payout ( Income ) documents '' to which I would submit numerous documentations, ( upload to the SPS portal a written doc, send an email, and call my relationship manager ) stating that that document does not apply to me as I was not receiving any retirement income and it was as if they were continuing to make claims that my application was incomplete by requesting documents either already submitted or asking for documents that do not apply to me. Once I realized the predatory behavior was intentional vying the equity on my home and they seemed to be just postponing a " pandemic Hardship '' decision till the XX/XX/2021 when loan pause was removed by congress ( moratorium on Mortgage ) so that they could gain on my property and begin gaining rights to my equity and potentially sell the property. I am happy to provide dates and documentations if you need further documentation. XXXX XXXX XXXX My Former Spouse was a XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I am disputing, yet another violation of my consumer rights. Under 15 US Code 1629c ( c ), it clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector MUST CEASE ALL COMMUNICATIONS. I have been receiving constant phone calls, text messages and emails and at will to sue! 

I do NOT have a contract with these collection companies and have no knowledge of them. Therefore, you must DELETE from my credit report immediately. 

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 have the app XXXX  XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report Reference number : XXXX As I was going through my most recent credit report, I discovered some innacurate and incorrect information on my report. I have done my best to resolve this issues with the reporting agencies but they have not taken care of the problem. 

The following are the accounts that I am concerned about and believe that they are innacurate. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( I ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see XXXX XXXX ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Account # 's : 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 According to Fair Credit reporting Act ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

* Please also remove all non-account holding inquiries over 30 days. 

I will be waiting to hear from you soon about the resolve of this issue. 

Signed : XXXX XXXX. XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, MERCEDES-BENZ FINANCIAL , I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

This account presents inaccuracies in the 3 most important credit reports, Different last report dates, the status of the payment is also different, the balance is XXXX showing different, among many other inaccuracies. 

This account presents inaccuracies in the 3 most important credit reports, giving a report only in XXXX. 

This account shows a different amount on all credit reports. 

Attached you will find all the information corresponding to this dispute. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible.
Product: Credit card or prepaid card

Citi Cards switched my account to a new credit card without my implicit consent. Charges made with prior card were billed on new card. I began receiving late notices. When I contacted Citi they told me I had only one account & to ignore the calls. A few months later I learned my credit score dropped significantly. When I called Citi the situation was straightened out, but they only remove one late charge and kept interest charges caused by their mistake. I called Citi and they refused to take additional action to remove late fees/interest charges caused by their mistake.
Product: Debt collection

" I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX, and they appear to have sold it to Diversified Consultants Inc, therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me '' and being that it was removed from my XXXX credit report it needs to be removed from the XXXX credit bureaus XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information missing from my credit report : - XXXX XXXX - XXXX - XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with Experian and XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is furnishing inaccurate and incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion ignored the first correspondence that I sent which was the Power of Attorney and Affidavit of Truth, this suffices as confirmation of IDENTITY and MAILING ADDRESS. I am sending these attachments again. They did not remove inaccurate addresses on my consumer report, they did not send me a mailed copy of my consumer report with the updated changes, as I directed them to do so.
Product: Credit card or prepaid card

I have this Home Depot Credit card. They lowered my credit limit without any issue. and without even a notice. Which impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Transunion, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX 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

This is in regards to Transunion, XXXX and XXXX Credit Bureau. I've submitted 4 disputes with these Bureaus about inaccurate data being allowed in my credit report even after disputing. I also included sections of the FCRA citing how they are required to report correct data and to delete inaccurate data. This data has been in my report for years and now Transunion, XXXX and XXXX need to comply with the FCRA. 
The accounts are : XXXX. XXXX XXXX XXXX Late payments with erroneous rating key. Stating 90 days late for XX/XX/2018 but Ok=current for the three months prior.

2. XXXX XXXX collections accounts ( 2 ) allowing reporting of a higher balance original than the creditor amount. Having a past due balance and at times a monthly past due as a collection. 
XXXX. XXXX XXXX disguising as a new creditor and reporting an open new account. 
XXXX XXXX XXXX XXXX XXXX XXXX & # XXXX as open accounts with a past due and monthly past due as a collection. 
XXXX. XXXX reporting a balance 100 % over the original credit limit ; has a past due balance and at times reporting monthly past due. 
XXXX XXXX XXXX XXXX XXXX disguising as a new creditor with an open account. Balance higher than original creditor amount ; past due balance and at times reporting a monthly past due as a collection. 
7. To delete all negative remarks- as its not a true reflection on their erroneous reporting.
Product: Credit reporting

I disputed XXXX medical bills on my credit report. XXXX and experian investigated the accounts and the accounts were removed ( collection agencies could not verify accounts ). Equifax is still reporting the information incorrectly on my credit report. Equifax now reports XXXX of the accounts as paid and the third account as owing a balance. I explained the errors to Equifax and informed the rep that these same accounts were removed by transunion and experian. The Equifax rep stated that they can not remove the accounts for 7 years and that I needed to contact the collection agencies myself. After further discussion, the rep then offered to dispute the bill that showed a balance owed. I informed the rep that I disputed all three items on XXXX XXXX and I should not have to give the collection agency another 30 days. The rep repeated that they could not remove the items for 7years.
Product: Money transfer, virtual currency, or money service

Yesterday on XX/XX/XXXX, I wanted to purchase a XXXX XXXX blanket from XXXXXXXX XXXX and saw a seller that had it, her name was XXXX XXXX, i decided to message her and tell her to send me additional photos and she did but when i asked her to show more she decided to not and call me rude things such as who does this and why do you need proof as I have the item already? However after that she blocked me and refused to give me money after I made the transaction through paypal. I have already contacted paypal but they are not cooperating with me. The purchase amount was {$38.00} through friends and family. The seller was eventually a scammer who I knew nothing about until I saw today about a post on XXXX about her. The individual has now blocked me and deleted her XXXX profile but her paypal account is still active as she is rejecting my refund claims.
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/2024, I received a notification from CashApp requesting that I update my account with either my preferred phone number or email address. I opted to provide my email. Immediately after submitting this information, I received a message stating that my account had been closed due to a violation of the terms of service. Confused by this abrupt action, I contacted CashApp customer support and spoke with a representative named XXXX. Unfortunately, he was unable to provide any specific details about the violation, only stating that the account was closed for violating the terms of service. 

When I inquired further to understand exactly what had triggered the closure, I was told that " CashApp isn't required to provide any reason for closing your account. '' I was then directed to review the online terms of service, which did not clarify the issue. I was advised to file an appeal, which I did. I was informed that the appeal process could take up to 45 days. 

Compounding this issue, I had my XXXX payments, which are typically direct deposited on Wednesdays, sent to this account. My account was closed around XXXXXXXX XXXX before the deposit had been completed. I was informed that the funds had been sent back, leaving me with no access to the deposit. As of the time of writing this complaint, I still do not have access to my XXXX payments. 

Additionally, I had an open dispute with a merchant regarding a refund. The merchant processed the refund, but due to my account being closed, the refund was declined. I am now in a position where my account remains closed without a specific explanation, I can not access my XXXX payments, I have no information on the status of my funds, and a merchant refund was also rejected. 

It is concerning that CashApp appears to be using XXXX  algorithms to monitor and flag accounts, potentially without human oversight. It is critical that companies like CashApp take responsibility for ensuring that accounts are not unjustly closed due to false flags or errors in automated systems. They say they are not a bank but they are able to act, conduct, process and revoke access to funds just like a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving notices of dark web activity from my XXXX  Credit Monitoring Application since XXXX of XXXX, notifying me of Personal Identifiable Information being circulated. I initially didn't act as I was refinancing my home and didn't notice the fraudulent entries. Shortly after, I saw a significant drop in my credit score and multiple entries ( inquiries ) on my report. My wife and I hired XXXX XXXX to repair and prepare our accounts for the refinance ; they removed some entries, leaving others to carry-over ; XXXX  refused to remove any inquiries. Around XXXX of XXXX, I started receiving new Dark Web activity notices and further data breaches that directly affected my wife and me. I started seeing new inquiries and disputed all of these inquiries online immediately. This run resulted in all three bureaus refusing to remove any inquiries. I then noticed two " new bank account opened '' alerts for XXXX XXXX  and XXXX XXXX XXXX, I didn't open any new bank accounts, so I call XXXX XXXX  and XXXX XXXX XXXX to confirm. The banks confirmed that new accounts were opened in my name but provided no additional information. I called the Police non-emergency number for assistance, and an officer was dispatched to my home. He tried to gather more intel regarding identity theft, but the banks refused to provide additional information. After receiving no data from the banks and no help from the credit bureaus, I filed a report with the United States Postal Inspection Service, locked our XXXX  Reports, placed fraud alerts on all three bureaus, placed a freeze on XXXX, XXXX, and XXXX, and filed a report with the FDIC. Once we completed the preceding tasks, my wife and I drove down to the Police Station and filed a formal Police Report to document the fraud.
Product: Debt collection

i received a collection notice dated XX/XX/2015 back the beginning of XXXX 2015. They demanded payment on behalf of a company by the name of XXXX XXXX XXXX. I have never heard of this company, so on XXXX XXXX, 2015 I sent a written request for validation to ACS, in the return envelope they provided, and the first class postage I provided. On XX/XX/2015 I received another demand for payment, by they have yet to honor my request for validation of the debt they are attempting to collect.
Product: Credit card

This complaint keeps the unresolved primary issue with CFPB complaint XXXX ( Wells Fargo complaint XXXX ) on the table. What Wells Fargo has still to address is how the fraudster was able to do a cash advance on my Visa card. Their actions and inactions so far imply they are not willing to significantly improve their customers ' account security to better prevent this kind of event happening again. All I am seeking is a ) Wells Fargo 's plan and commitment to significantly improve their security in the aforementioned regard, and b ) hopefully dismiss their claim that I owe them {$19000.00} which could not have happened without this security breach.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) Due to inadequate customer service abd unfair practices, which violate the Customer Finance Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electric Fund Transfer Act ( EFTA ) and regulation e. These actions have caused significant inconvenience and fiance loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

CITICARDS CBNA claims that i have a delinquent account. I have not used the card since XXXX and the credit grantor closed the account on XX/XX/XXXX. For some reason that shows up as I am delinquent on the account 90 days after they closed it. I disputed this three months ago and it sounded like it is taken care of but it is now back on my file and negatively impacts my chances of getting a mortgage loan. 
I have never been delinquent with the account.