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

Dear Sir/Madam, I am writing to bring to your attention a grave and ongoing issue concerning the inaccuracies and mishandling of my credit information by XXXX, XXXX, and Experian. Despite my repeated attempts to rectify these errors through all available channels, the situation remains unresolved, and my credit profile continues to suffer as a result. 

For the past [ duration ], I have been diligently working to correct the inaccuracies on my credit reports. These errors include but are not limited to incorrect personal information, fraudulent derogatory remarks on accounts marked as " Paid, '' and unauthorized accounts listed, notably one from XXXX which I have not authorized or consented to. 

I have followed all required procedures to dispute these inaccuracies, providing comprehensive documentation to support my claims. Despite this, XXXX, XXXX, and Experian have failed to take appropriate action within the mandated timeframe, and the erroneous information persists on my credit reports. 

Furthermore, I have encountered significant obstacles in my attempts to communicate with XXXX, XXXX, and Experian. Despite multiple phone calls, letters, and even notarized identification documents sent to confirm my identity, they continue to request further verification, unnecessarily prolonging the resolution process. 

These failures on the part of XXXX, XXXX, and Experian are not only frustrating but also have severe repercussions on my financial well-being. The presence of inaccurate and unauthorized information on my credit reports affects my ability to access credit, obtain favorable interest rates, and conduct essential financial transactions. 

I urge you to investigate this matter promptly and take appropriate action to ensure that XXXX, XXXX, and Experian fulfill their obligations under the Fair Credit Reporting Act. Specifically, I request that they promptly correct the inaccuracies on my credit reports and cease any further delays or requests for unnecessary documentation. 

Additionally, I wish to emphasize that the inclusion of " Chargeoffs '' on my credit reports is illegal, as consumer reports are not supposed to reflect income. Moreover, the presence of the XXXX account, which was sold to a third party without my permission, is a clear violation of my rights. 

I appreciate your attention to this matter and trust that you will take the necessary steps to resolve these issues swiftly. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is required. 

Thank you for your assistance in this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I started searching around to find somewhere to live to finally move out of my mothers house I applied for a few places and kept getting denied, I had never moved out before so was wondering why I kept getting denied, I later checked my credit and saw that a debt collector that goes by preofessial debt collectors located in XXXX, so I called them and asked why that was on my credit when I never lived at XXXX XXXX, he stated he didnt know he would have to call the apartments and see. I called the apartments as well named XXXX XXXX in XXXX Alabama and spoke to the manager named XXXX ( XXXX is the apartments number ) provided my name and number and she stated there is no record of me ever living at the apartments, so I then called the management company the apartments is under which is called XXXX XXXX corporate office located in XXXX and the supervisor over the XXXX XXXX   property whos name is XXXX XXXX also verified to me that they have no record of me ever living there, she then asked me why was I having an issue with something. I told her yes it is showing up on my credit that I owe you guys and its prevnting me from getting approved. She stated that I would dispute it with the ( 3 ) credit companies and when she has to verify there is no record she will do that, I was able to have XXXX  remove it but XXXX and XXXX have not. I have disputed this already once I believe I had to redispute with XXXX and XXXX  Im just really frustrated Ive spoken to every one in the apartments complex who is management and the management company and both have verified that there is no history! I have attached both numbers and managers names so you guys can do the same research I did talk to them directly so they can advise you guys that the apartment shouldve moved from my credit. I also spoke to the debt collectors when I noticed and after I called the property and advised them that I believe the account was put in error because Ive never lived there, I also shared with him that I spoke with the property manager and management company in which they both agreed that the property should not be on my credit and they dont have any history of me ever living there, while telling a rep at XXXX XXXX XXXXXXXX what I discovered he proceeded to yell at me and say, well the fact of the matter is you are going to Pay us, it was very disturbing and they have Called constantly since! Im just trying to move forward and be able to find a place to stay. Thank you so much XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to refinance. Small amount destroyed my credit
Product: Debt collection

The debt of {$350.00} owed to XXXX is not my debt. I never signed up for that account, this is a case of mistaken identity
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing you about the compromising of my social security number. I am a victim of Identity Theft due to the XXXX XXXX breach. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. I also called Experian several times and been given several stall response on why the fraudulent accounts can not be block and not been lifted from my credit profile as pertains to FCRA 605B ( 15 U.S.C. & 1681c2 ) which states that these accounts must be removed within 4 Business Days of receipt. I listed below, the fraudulent accounts which appears on my credit report, which does not relate to any transactions that I have made or accounts I have opened. It is the result of identity theft. 


XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had submitted multiple fraudulent applications with multiple banking institutions, including with XXXX XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX ( all were reported to the credit bureaus around XX/XX/XXXX to XX/XX/2021 ). The credit inquiries resulted from filing credit applications with the above listed institutions have already been reported to all 3 credit bureaus and has already begun to have a negative impact on my credit score.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, also known as Block Inc., for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely action to prevent and address fraud, leaving my account vulnerable. The dispute process was unfair and deceptive, and Cash App did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant financial loss, disruption, and inconvenience, and I seek appropriate redress.
Product: Checking or savings account

I was a victim of a scam I immediately contacted my Bank and asked for help because the charges were pending they would stop or take action to protect my account/monies It took three days to post and by that time my money was gone XXXX I opened a dispute but they denied it saying it was my fault because I did what person calling told me to do When I got the letter from the bank denying I called again and ask to reopen they did that but denied again The other party involved in this scam is called XXXX XXXX I have filed a complaint against them as well I am a XXXX XXXX on a fixed income the compliant ID associated with this issue is XXXXBoth parties have denied my dispute each time I have tried to resolve they say it was fault because I followed the instruction I was giving by the person who called I am at a loss
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam. As evidenced on the attached receipts, it is 100 % clear that on XX/XX/21, at XXXX in XXXX, NJ, a Moneygram for {$2500.00} ( including fees ) was paid for to be sent to a relative overseas. The relative never received the money sent ( which is also 100 % verifiable using Moneygrams tracking system ). Representatives at both XXXX and Moneygram were spoken with and an appropriate police report was filed ( also attached ), yet there has been no resolution to date. Emails were also sent to both XXXX and Moneygram and Moneygram responded on XX/XX/21 that our email was received on their end, that they opened a " XXXX - Report Fraud '' case with an assigned case # XXXX and would be in touch shortly. Moneygram never responded after that generic email they sent to us so another follow-up email was sent to Moneygram and XXXX on XX/XX/21. Neither responded to that follow-up email so XXXX customer service was called on XX/XX/21. On XX/XX/21, XXXX assigned a new case number ( # XXXX ) and suggested to file a claim with the CFPB so that is what we are doing now. I look forward to hearing from you at your convenience. Thank you.
Product: Credit card or prepaid card

I took a Care Credit Card out to pay for dental work I had done back in XXXX. I had charged {$2600.00} to the card and I had set up an auto pay direct from my checkin account, and the amount was paid to Synchrony Bank every month. After 2 years of paying it off, I thought I was coming close to settling the amount in full but I was surprised when I saw my XX/XX/XXXXstatement that showed a balance of over $ 2k. I called the company and was told that because I did not meet the requirements of the promotion which was to have paid it back by 2 years, Synchrony Bank charged me over $ 1k interest hence it bought my balance up to just over $ 2k. This was the first time that this was brought to my attention. Had I known that, I would have settled the amount instead of being charged an exorbitant interest fee. I have called Synchrony numerous times, been transferred from person to person for months and no one could help. In XX/XX/XXXX, I wrote to the CEO, XXXX XXXX and after months of no reply from her and her Assistant, I finally sent another email to her and this time it was responded to and basically all it said was you paid the minimum amount every month and because you did not meet the promotion requirements, you were charged the interest. I find this appalling. Very bad customer service coming from the top. Terrible communication and their method of operation leaves much to be desired.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my names and addresses. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Vehicle loan or lease

I have had multiple issues with this car loan. They have taken extra money, said fees would be taken away due to bank error then kept the fees on the account, said they called me many times but I had no voicemail. My car was repoed due to all the issues, I had to pay money to get it out and then the fees that were waived are still on my account. Auto pay is set up and the first month it didnt get set up correctly, so my account went past due again. A supervisor fixed everything and then for XXXX the auto pay took out {$580.00} instead of the {$210.00} payment. Then someone else instead of reversing the charges, said a cashiers check for the {$580.00} mistake would be sent to me, and now my account is still past due and theyre asking for a {$210.00} payment. XXXX the supervisor told me that XXXX and XXXX payments and fees were taken out. This is not what I authorized to be removed. XXXX stated there are so many errors on this account I dont even know where to begin. I have a lawyer looking at this now. This has impacted my credit, which I disputed and it wasnt fixed, it is impacting my finances over and over and money is being illegally taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$9900.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXXXXXX Balance : {$2700.00}
Product: Checking or savings account

Received emails regarding a Chime account opened on my behalf. I never agreed to this.
Product: Debt collection

So, this guys ( Below ) have falsely put a collection on my credit report. 
after several times letting them know that they owe me money. 
this am assuming that this guy is from XXXX XXXX people, That very bad company that is now XXXX XXXX XXXX is trying to collect instead i told them that they owe me an over charge of XXXX and they are not paying and now they have the audacity to try to collect. I demand the return of XXXX to me and immediate removal from my credit account. 



Payment Status : I C SYSTEM XXXX XXXX XXXX XXXX XXXX   XXXX, MN XXXX XXXX XX/XX/2018 Collections
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge I don't have a credit score, so I've been working on making it by obtaining a secure credit card with XXXX. I also downloaded the Experian app as it was highly recommended when I intended to check my credit score. In the app it says i have Outstanding Debt, but have never gotten any loan and not paid it off. the only loans I've ever gotten are from XXXX XXXX. it was suggested that it may be from XXXX  as some credit cards have annual fees, so i checked my account balance and i have no such charges, i checked the website and i see in big bold letters that the specific card i have has no annual fees. 
Now to my knowledge i don't owe anyone any money. as i said i just got my first credit building credit card and have no current debt with XXXX. 

I should also mention that on every identification that i have my First name is as listed, but i have two last names and it only shows one, my last name is hyphenated, it doesn't always show up but both last names do i attached screen shots from my XXXX card statements, the outstanding debt info that shows on Experian app and the advertisement from the secure card i got and one of how my name shows up in the Experian app, you can see how it should be on the statement from XXXX
Product: Debt collection

SUBJECT : Formal Complaint Regarding Violation of Servicemembers Civil Relief Act ( SCRA ) by IQ DATA INTERNATIONAL INC. ( debt collector ) and XXXX  XXXX. 

Dear Sir or Madam, I am submitting this formal complaint against IQ DATA INTERNATIONAL INC. for actions that I believe constitute a violation of the Servicemembers Civil Relief Act ( SCRA ), resulting in an erroneous {$10000.00} plus debt reported on my credit report. 

Background : Lease Agreement : I entered into a lease with XXXX  XXXX on XX/XX/XXXX, with a termination date of XX/XX/XXXX. 
Military Orders : On XX/XX/XXXX, I received official military orders necessitating relocation. I promptly informed The XXXX management via telephone of my intent to terminate the lease early due to these orders. At that time, I was unaware of the formal procedures required under the XXXX, such as providing written notice and a copy of my orders. 

Violation of SCRA Provisions : The XXXX ( 50 U.S.C. 3955 ) permits servicemembers to terminate residential leases upon receipt of military orders for a permanent change of station or deployment of not less than XXXX  days. The Act requires delivery of written notice and a copy of the military orders to the landlord. While I provided verbal notice, I did not furnish the requisite written notice or orders at that time. 

Despite this oversight, The XXXX imposition of a {$10000.00} plus debt and subsequent negative credit reporting contravene the SCRAs intent to protect servicemembers from such financial penalties. 

Impact : This erroneous debt has significantly impaired my credit standing, hindering my ability to secure housing and affecting my financial stability. 

Requested Resolution : I respectfully request the Consumer Financial Protection Bureau to : XXXX. Investigate IQ DATA INTERNATIONAL regarding The XXXX Apartment Complexs actions concerning this matter. 
XXXX. Enforce Compliance with the XXXX, ensuring that IQ DATA INTERNATIONAL INC. and The XXXX rectifies the erroneous debt and updates all credit reporting agencies accordingly. 
XXXX. Provide Guidance on any additional steps I should take to resolve this issue and restore my credit standing. 

I am prepared to supply any necessary documentation, including my military orders, to support this complaint. 

Thank you for your attention to this critical matter. I look forward to your prompt response.
Product: Payday loan, title loan, or personal loan

Judgement was entered on XX/XX/XXXX. 
Now have another summons for court to revive this judgement. Sent on XX/XX/XXXX This should be time barred debt. 
Missouri statues of limitations is 10 years.
Product: Mortgage

PHH has miscalculated our property tax on multiple occasions, which has lead to large fluctuations in our monthly payment. For example, the 2023 XXXX payment was {$750.00}, and the 2023 XXXX payment will be approximately {$1600.00}. This has made it very difficult to budget our monthly expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES ( XXXX, a Equifax, and XXXX  ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.