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

I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been 3 weeks. 
The credit bureaus are telling me to contact XXXX XXXX, XXXX XXXX is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with XXXX showed that on XX/XX/2018 XXXX XXXX did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
XXXX XXXX has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.
Product: Credit reporting

I have an inquiry on my credit report from all three agencies for a company called XXXX customer service. I have no knowledge of this creditor nor did I authorize any credit inquiry from this lender.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial 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 Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask XXXX and XXXX  to remove these accounts that do not belong to me many times they have yet to do so no proof of these accounts have been presented they are refusing to follow the rules of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX isnt license to collect on debts in the state of California. They are illegally trying to collect on a debt. I provided documentation to prove that. Remove account from experian, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

This company has flagged my credit report 6 times in a week with two different debts from the same company ( XX/XX/XXXX ) they flagged my account twice on XX/XX/XXXX, flagged my account for both debts again XX/XX/XXXX and then flagged it twice again today on XX/XX/XXXX. I emailed them about the multiple flags theyve added to my credit report, and told them I would contact the proper consumer protection bureaus about the situation with the screenshots of the back to back flagging on my credit report, and would also contact a consumer protection attorney to see what my rights were since they were violating my rights under the fair debt collection practices act. They emailed me back shortly after saying they researched the matter couldnt locate any record of it in their system then proceeded in asking for an account number, and a phone number so they could look it up. I refused to give them any information and advised them I had been in contact with an attorney and would be in contact with the proper consumer protection bureau and would leave it with them. The email they sent had a caution on it that said it was sent from an external email and I should proceed with caution and not open any links or attachments in it. I will include screen shots of the flagged and derogatory notes they keep leaving on my credit report. I understand they have a right to report any debt they have for an individual every 30 days but this is beyond that they have flagged my credit multiple times in one week Its unfair and malicious on their part especially after the entire world is trying to pick themselves up and get their lives back together after this recent panademic. Im also curious how can a person have two debts for the same company especially a cellphone. Youre only allowed to open one account at a time and if its not paid your definitely not opening another until the one owed one is paid off. I dont trust this company and refused to give this company any information without a liaison of some sort in the middle. I also feel this problem wont be resolved by trying to deal directly with the company itself either they will continue to use any information and leverage to their benefit rather than fix the issue. I have also uploaded the flagged/derogatory marks thats been placed on credit profile throughXX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2022 my credit card company posted a charge for {$160.00} from XXXX  by Marriott which is not supposed to be a charge on the card when I found out about that I contacted my credit card company and told them that I didn't authorize this charge so they open a fraud dispute regarding that charge and credited the balance back on my account, but recently the fraud department from the credit card company contacted me and told me that they have to dismiss this dispute and advised me to call them back to open another dispute for an unauthorized charge by the merchant with an agent over the phone. When I did try doing that, the agent from the Chase credit card company told me because the fraud department has closes dispute in the favor of Marriot I have to pay that amount and they can not help me open another dispute or else I have to write a letter and mail it to them and then they will decide whether they can open a dispute or not. I firmly believe that this is unjustly trying to make me pay for some thing that I didn't authorize on my card. As I paid the full balance of my stay with Marriott with my another card, and this card was just used for identification purposes which shouldn't be charged with any kind of fee or payment as I have the proof that I paid the full amount with my another Chase credit card. I informed them regarding what I am saying here, but they are not ready to listen to my side of the story and not opening another dispute and unjustly trying to ask me to pay the amount.
Product: Money transfer, virtual currency, or money service

I purchased an item through Paypal almost a year ago through a vendor XXXX. After receiving the product, I realized the item was not what was on the website or as described. I was also informed by a professional beautician that the hair purchased was snot " human hair '' as described on their website. This company after filing the Complaint reached out to me, I informed them of the issue and they were going back and forth. I reached out to Paypal via phone several times the issues were never solved and I never heard anything back from Paypal or the merchant it has been over a year now. I spent over 300 hundred dollars on this product, again it has been a year, I was scammed and all of PayPal. I disputed withing the time request within the 180 days and I never got a notification or follow-up, I feel like Paypal sent the merchant to talk me out of my refund, and neither of the parties has responded to this day. It has. back and forth and when I call Paypal I am told it is river 180 days, meanwhile this dispute was filled months ago. It has been XXXX. I can not even use this product. I use Paypal to protect me from things like this and still, I was scammed and Paypal refuses to help. It has been a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 



Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  XXXXBalance Owed : {$1000.00} ; XXXX  XXXX BankruptcyReference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

I loss my home because Wells Fargo could not complete the loan modification process this all started back in XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found inaccuracies in my personal information that must be corrected. Specifically, I am requesting the removal of inaccurate name variations, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, '' and " XXXX, XXXX, XXXX, '' along with any other incorrect versions of my name. Additionally, please update the address on file to reflect my correct address, which is " XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. '' and remove any other addresses that do not match this address. Lastly, my correct employer is " XXXX XXXX XXXX XXXX XXXX, '' and I am requesting that any inaccurate or outdated employer information be removed from my report. These discrepancies are misleading and detrimental to my credit status, as they may hinder my ability to obtain credit, cause delays in important financial matters, and create unnecessary confusion. Furthermore, these errors contribute to undue stress and anxiety, directly affecting my overall health and economic well-being. Accurate reporting is essential to maintaining my credit life and ensuring that I am not unfairly disadvantaged due to errors beyond my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Experian ( via certified mail ) to dispute incorrect account ( XXXX ). I have never done any business dealings with this collection agency. The original creditor ( XXXX XXXX XXXX XXXX ) in who they are stating that they are representing for, I have directly settled this debt with them back in XXXX of XXXX and received two receipts from the original creditor before the company sold the property in XXXX of XXXX. 

I provided both receipts from the original creditor to Experian as proof of evidence, and on XX/XX/XXXX Experian sent me their results of my dispute, in which they stated the account is still being reported collection with no changes, and the account being removed in XX/XX/XXXX. 

The issue I have with Experian results is as follows : 1. ) I have been disputing this account for over 6yrs. and every time they deny in removing this account, they also fail to honor my request when denying to remove this account after their investigation, with forwarding me proof of validation from the reporting collection agency ( XXXX  ) that I owe this debt and directly to them. 

2. ) I continue in every dispute over the last six years to Experian in showing proof with contact information from the original creditors attorney, that I paid the correct balance of {$2500.00} ( not {$4600.00} ) directly to the original creditor and was given two receipts ( see attachments ) from the original creditor that all obligations was settled in full in XXXX of XXXX ( 5 month before XXXX reported this inaccurate account with XXXX  ). 

3. ) Never heard or or done any business dealings with XXXX. I have contacted this agency on numerous occasions and filed a couple of complaints with your organization and their local XXXX. This agency refuses to send me validation of proof, even after requesting and demanding for them to please contact the original creditor for validation/confirmation that this account was paid in full with them directly. I have also sent them the receipts from the original creditor itself and they refuse to update their records.
Product: Checking or savings account

On XXXX, my debit card was missing from my wallet when I went to place it in my mini coin bag. To my amazement, the debit card turned out to be in the coin bag.However, it was not the same debit card as the previous day. So, I notified XXXX Police Dept., OCC, XXXX, and CFPB. Then I went to my first customer and I perceived someone went through my wallet, but had no proof. When I went to eat lunch at XXXX XXXX, I couldn't believe my account reflected {$0.00} when it should have had at least {$12.00}. 
When I attempted to log into my online account, it took over ten seconds to open the page after typing the security code. Finally, when it opened, I couldn't believe the balance was {$0.00}, it said Hello, XXXX, and it has a transaction that's not mine. That transaction is {$14.00} XXXX XXXX XXXX. 
In conclusion, either this is now my real online account or a dummy one. Please ensure it's my real online account. Also, Id like to dispute the XXXX Subscription transaction. I never made this purchase. Nor did I authorize it. I think someone manually typed that for switching my debit card twice in one day behind my back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I retrieved a copy of my credit report and noticed that AFNI had placed an entry on my report and did not provide me a dunning letter nor any notice regarding an alleged debt. To that end, I sent AFNI a letter dated XXXX.XXXX.18 whereby I disputed the validity of the alleged debt that they had placed on my credit reports. To date, I have not received any communication from them. I have never did any business with this company, never heard of this company and as previously mentioned, never received any correspondence from them. Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI as required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. 

As such, AFNI should have provided me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherin he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and and name and address of the bonding agent for collection agency in case legal actions become necessary. All requested document must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete this erroneous, unverifiable entry from my report and send a letter communicating such. For AFNI to blatantly violate my consumer rights by placing this entry on my report  directly violates FDCPA.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.