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

I recently contacted Best Buy Credit Card-Citibank to get any and all dispute comments permanently remove from my Best Buy Credit Card file. Their credit services dept remarked the don't have a credit bureau department to do that. So, I then contacted all three credit bureaus who immediately erased the disputes comment. Within a few days I received credit alerts from XXXX  stating that the comments were added back to my Best Buy Credit Card File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed items which you verified as accurate. However I asked in writing XX/XX/2017 to please provide me with your method of verification, I asked for the following information in accordance with the FCRA. 
1. copies of any documents you used to make your decision, including electronic correspondence of all types.

2. A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information received from that data.

3. the name and job title and contact information of the individuals you contacted at the data furnisher.

4.the name and job title and contact information of all employees within the organization that played a part in handling the dispute.

you have failed to provide valid information and method of verification and I ask that you delete these tradelines immediately
Product: Credit reporting or other personal consumer reports

I am reporting my identity theft report to affirm. A account on my XXXX consumer report
Product: Vehicle loan or lease

I attempted to purchase a used vehicle from XXXX XXXX of XXXX Maryland,,, the bank Westlake financial serviced the loan to the dealer however the contract was canceled and the dealer issued me a letter signed and dated that I wouldnt be responsible for any future payments or be sued for the vehicle releasing me from the vehicle,, however Westlake the financial company has not received the check that was issued to the dealership so every month that the dealership does not send it back the financial company marks a late payment on My credit report,,, the car was returned with keys and temp tags,,, I have called and left numerous messages to dealership however I have gotten no response
Product: Debt collection

Original debtor sold my account to this collection agency after they filed insurance and they would not pay them.
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 the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations,
Product: Debt collection

Please read attached file it Has the complaint details along with clear and convincing evidence this collection should never exist knowing the facts stated in details in the attached file. 

Threatening and suggesting negative consequences on my credit report sustain. This company didnt do what it said it will. Playing those tactics of vague replying not answering the real question this complaint asks all the violators of rights to answer. Why this collection if its works on behalf on XXXX or why not XXXX used the auto payment which is valid to get paid for what it alleges that I owe? If anything legitimate or if its charges are legitimate, what prevents XXXX from debiting my credit account that it did regularly and I never stopped XXXX? Showing off all those paper? I have documents I could use to sue thus collection and XXXX both and I reserve right to do so any time without prior notice and without waiving my rights .so checking my credit today using my XXXX basic credit monitoring service and I saw this Sprints collection from source Receivables Management ( SRM ) ( correction on the exact name of the current collection is Source Receivable management ) still on my credit file or report .another important thing. I never claimed fraud to anyone in regard to this matter. XXXX created that by itself and it will assume responsibility for saying something I didnt state .you need to comply to law after u showed you all the proofs that XXXX is not serious about getting paid and they broke their policy of auto payment and I have copy of that policy. They need to have a life and let me on peace before they receive a legal summon from a U.S Marshall and then it would be late to settle because you will all pay big legal price. Please dont say something I didnt say in my complaint. Your interim response before is rejected at its entirely and stop threatening and harassing me. those desperate tactics from all the violators to cause me more harms than theyve done already, It is noted and it will be used in a court of law if necessary. 
All stated herein is to my current state of knowledge belief and understanding and it is subject to anything or any correction by me only at any time without prior notice and without waiving my rights. Please refer to the attached file for more factual information with proofs attached within the file. Does XXXX or SRM have any court order to abuse my rights?
Product: Credit reporting or other personal consumer reports

recently i got a copy of my equifax credit report and notice equifax is providing and reporting a fake credit score and outdated data. the score and profile data hasnt been update in 2 years, this inaccurate and outdated information caused me to denied a loan. 

the lender pulled information but equifax didnt update the data for 2 years
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized ADVANTAGE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized CBNA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The Late Payment Status is incorrect. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

5. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. The Late Payment Status is incorrect. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

7. The Late Payment Status is incorrect. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.These are the accounts : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$350.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$610.00}.
Product: Vehicle loan or lease

I contacted the dealership once I drove off the lot of problems back in XX/XX/2016 with the vehicle shaking at 50-55 speeds. I brought the car into services multiple times when most of the times it was never documented that I brought the car in. I ask if the service manager if he can replace the car and there was no interest in to what I was saying of the problems the car faced. I ask the dealership to keep the car because I no longer wanted the car and now it saying I am responsible for the outstanding balance after being sold at auction. The new owners have also repeatedly brought the car into service for the same issues.
Product: Credit reporting

Interestingly enough, Trans Union is incorrectly reporting XXXX of my student loans with having late payments in their history. Trans Union has reported that I was 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX XXXX and XXXX late XXXX XXXX. This is simply not possible since these loans were in forbearance at the time Trans Union claims that they were late. Repayment was not due to begin until XXXX ; since no payment was due until after Trans Union claims I was late, the Trans Union report must be corrected by removing these late notations for student loan with date opened XXXX/XXXX/XXXX and disbursed by the XXXX on XXXX XXXX, XXXX. I have attached the documents from XXXX showing the due dates and you can see it is not possible for these to be reporting late since they were not due and in forbearance. XXXX for your time.
Product: Debt collection

My property at XXXX XXXX XXXX, XXXX, NJ XXXX was foreclosed upon in XX/XX/2016. XXXX XXXX XXXX ( XXXX ) held a second mortgage at the time of foreclosure that remained due. The alleged amount due was {$23000.00}. XXXX Claims that they are servicing the debt for Bank of America ( B of A ) since XXXX. However, the servicing agreement between B of A and XXXX was executed on XXXX. Regardless, both B of A and XXXX claim to be collecting on the alleged debt owed. I have contacted both XXXX and B of A on numerous occasions and advised that I was never sued separately on the alleged deficiency balance due. The New Jersey law listed below was explained to both XXXX and B of A. It was ignored by both parties. The New Jersey law listed below clearly states a separate lawsuit must be filed in relation to the deficiency balance to be valid. 

Deficiency judgments are allowed in New Jersey, but not in the foreclosure action itself. To obtain a deficiency judgment, the lender must file a separate lawsuit within three months after the foreclosure sale or, if confirmation of the sale is required, from the date of the confirmation of the sale. ( N.J. Stat. Ann. 2A:50-1 through 2A:50-2.1. ) The court may limit the amount of the deficiency judgment if the borrower disputes it. The borrower may dispute the amount of the deficiency by answering the lenders suit and introducing evidence regarding the propertys fair market value. The court will then limit the deficiency judgment amount to the difference between the debt and the fair market value as of the date of the foreclosure sale. ( N.J. Stat. Ann. 2A:50-3. ) Neither XXXX nor B of A filed a separate lawsuit to bring the alleged debt to a valid status per NJ State law. This alleged should have been extinguished 3 months after the foreclosure sale date took place. However, both XXXX and B of A, have proceeded with aggressive collection activity and have reported the debt to my credit bureau report. XXXX and B or A are in violation of the FDCPA, FCRA and independent NJ State Laws. Since your agency regulates these laws, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 or XX/XX/2020, I went to the XXXX  car lot located on XXXX XXXX XXXX TX XXXX in XXXX Tx with my girlfriend wanting to get estimates on what it would take to purchase a truck with them. We were working with a new sales agent who told us that we could get purchase estimates without having to pull our credit. We said ok cool. She went to speak with her XXXX XXXX whom then came over and told us that they need to pull our credit to get the best estimates for us. We specifically told XXXX that if we were to finance, we would finance through XXXX XXXX or XXXX. We specifically asked that they only run our credit through XXXX. We also specifically asked and verified that there would only be 1 inquiry placed on my credit report. XXXX told us that yes it would only be 1 inquiry. As they went to run my credit, I received notifications from my credit monitoring service saying that my credit has been pulled several times from companies that we never authorized. Not 1 of the inquiries was for XXXX. All of the inquiries were from other unauthorized companies. We never authorized these companies to obtain a copy of my credit report. The unauthorized companies are XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They apologized for the mistake and basically told us there was nothing they can do. We requested something in writing stating that we did not authorize those inquiries and that it was a mistake on their end but they would not provide that. I would like for these unauthorized inquiries to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Immediate Removal of Fraudulent Addresses and Accounts To Whom It May Concern, I am contacting you to formally dispute inaccurate and fraudulent information appearing on my credit reports from TransUnion, XXXX, and XXXX. I have identified several addresses and two accounts that are not mine and were fraudulently reported. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I am demanding immediate action to correct these errors. 

True Address ( The Only Accurate Address ) : XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX Addresses to Be Removed Immediately : XXXX XXXX XXXX XXXX, XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, MD XXXX Fraudulent Accounts to Be Removed Immediately : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX I have included a copy of my government-issued ID, utility bill, and FTC Identity Theft Report ( # XXXX ) to verify my identity and support my claim. Under the provisions of the FCRA, including but not limited to 15 U.S. Code 1681c-2 ( Blocking of Information Resulting from Identity Theft ), credit bureaus are required to remove or block disputed fraudulent information once sufficient evidence is provided. I have met these requirements and expect you to fully comply.

Failure to correct this information in a timely manner may result in further legal action. I trust that you will treat this matter with the seriousness it deserves and resolve it within four business days. Please confirm in writing once these inaccurate addresses and accounts have been permanently removed from my credit file. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my ID and Social Security Card including other personal items, including my computer. They later used my information to obtain Cable at an address that I have never lived, they obtained Cellular services along with a Automobile loan. The following accounts were fraudulently opened in my name and I ask that they be Deleted : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX. 

The following inquiries were also opened in my name : XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been stolen from and fraudulently had my information, addresses and reports that I have already disputed multiple times with proof and codes and USC codes CFR, UCC etc. 
to XXXX how they are posting fraudulent late payments which is illegal and utilization which is illegal under FCRA And my 30 different inquiries that arent account holding inquiries need to be taken off my credit report, my multiple names besides XXXX XXXX XXXX need to be off my report. My multiple non mailable addresses need to be removed. The only address is - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX California ( XXXX ) which is where I reside. Every other address every name that isnt XXXX XXXX XXXX on XXXX and Equifax and XXXX I demand to be taken off in 4 days and to stay off my report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan was paid off to XXXX XXXX XXXX XXXX on XX/XX/XXXX and received by XXXX, and spoke to agent who said since they don't have the manpower to credit it on the XX/XX/XXXX because it was received after XXXX I would be charged interest because they would credit my account on XX/XX/XXXX, and I have an escrow account so am owed a refund for PMI/property taxes/insurance. The loan was paid off on XX/XX/XXXX so the balance is XXXX  and  XXXX transferred my loan without my knowledge although I had several conversations with them before it was paid off in XX/XX/XXXX to Nationstar Mr. Cooper in XXXX, Texas. Some customer service agent their was very dismissive/passive about my loan. Now it is showing I owe $ XXXX in mortgage loans on my 3-credit reports AND my credit score was dinged 75 points for all credit bureaus when I am in the middle of buying another property and these folks at Nationstar Mr. Cooper servicing do not know who transferred the mortgage loan over gave me three unknown names not affiliated with  Loancare/Cashcall and reported a balance of {$290000.00} when there is NO BALANCE DUE ON THIS LOAN!!!!!!! I made a mortgage payment to XXXX in the amount of {$1900.00} on XXXX.WHAT IS GOING ON?
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately. 
5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately 7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 8. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately 9. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 10. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX
Product: Debt collection

I want to report multiple violations that JEFFERSON CAPITAL SYSTEM is committing to the Free Credit Reporting Act and to my rights as a consumer.

Just to mention two serious violations, see below : 1. Post charge-off interest 2. Incorrect last activity date I am demanding this company to remove the item from my report. I am having XXXX  issues because of this situation.

Please send the attached documents to Jefferson Capital System.

Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to no avail to work with XXXX XXXX XXXX I will attach proof to this complaint showing dates, bank information including reference numbers. I will also show additional complaints from the Consumer Affairs and XXXX from other who have run into the same problem as I have with this company. 

I have been calling sending letter and getting zero assistance. 

I am a XXXX XXXX whom was hacked which was investigated and is reflected on two of my credit reports. I am simply asking they provide the details of my payments and remove my late payments from my record with them.

I am the founder of a local 501c3 that rescues wild mustangs and works with veterans to end suicide. our website is XXXX I provide alot of the services for the horses and veterans out my pocket and I need my credit report to ensure the ability to get the items needed. 

Please feel free to publicize this account as needed you have my permission