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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Notice of Dispute Regarding Inaccuracies and Collections on XXXX Account Dear CFPB, I am writing to formally dispute the inaccuracies and collections reported on my XXXX account XXXX which I believe are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

**Details of the Dispute : ** - **Account Name : ** XXXX - XXXX Number : **Unknown - **Dispute Reason : ** Inaccurate collections reporting without permissible purpose **Explanation : ** I, XXXX XXXX, have recently been made aware of a collections entry on my credit report from XXXX. I am disputing this entry for the following reasons : XXXX. **No Permissible Purpose : ** I have not given XXXX XXXX any related collections agency permissible purpose to report this account to the credit bureaus. As per 15 U.S.C. 1692g, I have the right to request validation of the debt and ensure all reporting is accurate and lawful. 

2. **Inaccurate Reporting : ** The collections entry contains inaccuracies that do not reflect the actual state of my account. I have not received adequate documentation or verification from XXXX or any collections agency validating the debt in question. 

XXXX. **Lack of 1099-C Form : ** I have not received a 1099-C form indicating a cancellation of debt, which is required by the IRS if a debt of {$600.00} or more is forgiven. This further suggests that proper procedures have not been followed. 

XXXX. **Improper Notification : ** I have not received proper notification of this collection from XXXX XXXX the collections agency. Under the FDCPA, I am entitled to receive a written notice containing details of the debt, including the amount, the name of the creditor, and a statement of my rights. 

I appreciate your prompt attention to this matter and look forward to your resolution. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/2020. I went to XXXX ATM. XXXX XXXX. XXXX. Time XXXX / XXXX. XXXX : XXXX XXXX, CA I selected to withdrawal {$730.00}. I choose the denomination bills. 7 $ XXXX, 1 {$20.00} and 1 $ 10.The ATM only gave me 8 $ XXXX and 1 {$10.00} bill. Equal to {$170.00} I was in disbelief. I proceed to try again and the ATM said I had reached my maximun withdrawal limit. I ran to the bank since ATM was outside the branch location. Bank was closed. So I called customer service. They transferred me to the claim department, After 3 hours waiting on the phone. The call disconnected. I called back the next day. finally, I filed a claim. I even went to the bank spoke to the manager and she told me that XXXX debit cards are handle different and to call the claim department. I called back few days later and they told me my claim was denied. I am so stress. I am missing {$560.00}. How can this be possible. ATM should have been over the next day when audited by the agency or the bank. The Claim department said ATM was fine. No one is helping me. I have waited hours on the phone with XXXX claiming department. They seem to care less. Please help me out. I have been unemployed for almost 7 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/2019 and have not heard anything. It still has pending on my status. I can't get a hold of anyone to talk to about my problem. Keep getting that they are unavailable. The chat tells me to call a number and I can't get anywhere. I need this resolved so I can get repairs done to my home.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies XXXX XXXX ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report. 
The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the XXXX excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity. 
Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information. 
Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met. 
To resolve this matter, I require the following : Immediate correction of the inaccurately reported account ( XXXX ) on my credit report to comply with the FCRAs standards. 
Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information. 
Written confirmation of the actions taken to address my requests as required under the FCRA. 
Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred. 
Thank you for your prompt attention to this serious matter. 

Company : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax for the past XXXX months to inquire about my credit reporting on my account. 

I have noticed two companies both XXXX XXXX and XXXX sent over request to remove them from my trade lines on XXXX. I confirmed again the turnaround time with both companies and was advised 30 days. 

These companies have been removed from all other credit reports but Equifax. I have access to my online account so I can actually pull the report myself through their app and my FICO the problem is everyone I try to call they ask for my name, SSN, DOB, address I answer it all correctly as it matches my profile online.. 

They ask me to do an authentication photo, I have driver license I send it over along with a selfie of me and my driver license. The rep will come back and say you failed authentication send us documents of proof. 

What more proof can I send these people. This is the only credit bureau I am having this discrepancy with and I am nervous I am being defrauded. I feel my account or identity has been taken over by someone who has access to my Equifax. Why else would my information I was born with an assigned by the government as ship cargo not match what Equifax has!
Product: Checking or savings account

My direct deposit has still yet to hit my account. I have heard nothing from them about what is going to happen going forward in this situation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX credit card!! Open XX/XX/year> Monthly payment XXXX $ I did not authorize to be added as a user to this account and I should not be on this account.
Product: Credit reporting or other personal consumer reports

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Product: Credit card or prepaid card

About 4 different times during the past 4 months false fraud alerts have blocked my usage of my Citi cards credit card. I am the only person who has initiated transactions on this card. I have wasted many hours resolving these false fraud alerts, none of which are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX AND THIS ACCOUNT WAS DISCHARGE UNDER MY CHAPTER XXXX BANKRUPTCY ONXX/XX/XXXX. THIS ACCOUNT IS NOT REPORTING CORRECTLY ON MY EXPERIAN CREDIT REPORT AND I HAVE DISPUTED THIS WITH EXPERIAN AND XXXX XXXX XXXX XXXX MANY TIMES. I AM NOT ASKING THEM TO REMOVE THE ACCOUNT SINCE IT PART OF MY BANKRUPTCY SINCE IT NOT DUE TO COME OFF MY CREDIT REPORT UNTILXX/XX/XXXX. THIS ACCOUNT NEEDS TO BE UPDATE CORRECTLY ON MY CREDIT REPORT. FOR EXAMPLE THE PAYMENT HISTORY GUIDE ON THIS ACCOUNT IS ALSO PART OF MY CHAPTER XXXX BANKRUPYCY AND IT NEEDS TO BE UPDATE AS PART OF MY DISCHARGE CHAPTER XXXX BANKRUPCY. THE PAYMENT HISTORY ON THIS ACCOUNT SHOULD NOT BE SHOWING ON MY EXPERIAN CREDIT REPORT. MY LATE PAYMENT AND MY CHARGE OFF ARE PART OF MY BANKRUPTCY WHICH IS INCLUDED IN MY BANKRUPTCY AND IT NEEDS TO BE UPDATED CORRECTLY. SECOND THE TERM 72 MONTH IS ALSO INCORRECTLY IT SHOULD BE SHOWING XXXX SINCE THIS ACCOUNT IS DISCHARGE AND THAT PART OFF MY CREDIT REPORT NEEDS TO BE UPDATED CORRECTLY. XXXX XXXX XXXX XXXX  AND EXPERIAN ARE NOT REPORTING THIS DISCHARGE ACCOUNT CORRECTLY ON MY EXPERIAN CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfers

I sent money via Paypal ( see below ) to a friend, and after 6 days, that money is not accounted for in their account, my account, or in my paypal balance. 
I have been advised that the balance would show up in my papypal account on Thursday, I have been advised that the balance would be returned to my bank account, and I have been advised that the payment was sent. As you can see, these XXXX options do not match, AND, none of them are true. 
XXXX XXXX 2016 XXXX XXXX Money Sent Loading transaction details for XXXX XXXX Money Sent -negative {$300.00} Repeat this transaction Close Paid with XXXX BANK XXXX XXXX Transaction ID XXXX Sent to XXXX XXXX XXXXXXXXXXXX Details Sent to XXXX XXXX {$300.00} Fee {$0.00} Total {$300.00} See details on classic site
Product: Checking or savings account

I called bank of America on XX/XX/2018 in regards to purchases made from XXXX that I never received in the mail. I order these purchases in XXXX and XXXX and now BANK OF AMERICA is mentioning that it will take 6 months to get my money bank and also I asked how to submit my evidence and they did not give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XX/XX/year> {$0.00} XXXX  XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information on credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

On Friday, XX/XX/XXXX, I received a call from XXXX XXXX XXXX a representative from a collection agency named XXXX. XXXX XXXX advised me this was a debt collector and his intent was to collect a debt that had been sold several times from the originator " XXXX XXXX, XXXX Credit Card. '' He stated I owed upwards of {$700.00} and he planned to seek legal charges ultimately resulting in me paying close to {$3000.00} in legal and penalty fees if I did not pay the {$700.00}. In the beginning, I informed him the debt was paid for less than what was owed ; until I went home and checked my records and discovered that I received a letter from XXXX XXXX XXXX stating I was due a refund or at least since my account was a " charge off '' left me to believe I was no longer responsible for the debt, because the letter from XXXX XXXX clearly states " Charged-off '' accounts are accounts XXXX determined are not likely to be collected and are closed to future charges. Since then, this account has been removed from my credit report as I assumed this was finally settled. Initially, I was in contact with several representatives from XXXX such as collection manager " XXXX '' ( XXXX ) and XXXX representative XXXX XXXX ( XXXX ; FAX : XXXX ) advised him I was in possession of the letter from XXXX dated XX/XX/XXXX that originally explained the consent order and how the " Charged-off '' account worked as described in the letter from XXXX and the Consent Order from CFPB. I made several attempts to contact XXXX directly ; however, they informed me they sold the account and they no longer could comment on the case I would have to contact the collection agencies to obtain information. I again talked to XXXX XXXX who informed me I was to send him a fax stating I had paid the bill ; however, when I attempted to explain to him the mix-up, he refused to listen and stated he was going to order his staff to begin the legal process against me by checking assets, financial and employment reports ; in addition, not only would this lead to increased fees, but criminal charges may also apply as well. I took this as a threat, even in the initial telephone conversation I was not able to give a full explanation concerning this issue as XXXX XXXX insisted on interrupting me with threats to pursue legal actions. According to your Consent Order to XXXX XXXX in MONATARY PROVISIONS VI Order to Pay Redress, item # XXXX it addresses the issues of " Charge-offs, '' if I am reading it correctly, this case should be closed and can not be enforced. I mentioned earlier that several other collection agencies have purchased this account ; however, I have heard from none of them until I reached out to them all on XX/XX/XXXX based on information I received from XXXX. Agencies such as XXXX ( XXXX ), they claimed I owed {$640.00} ; XXXX ( XXXX ) who claimed I owed {$660.00} on account number XXXX, and finally, XXXX XXXX, I spoke with XXXX who then transferred me to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inaccurate information and unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen continues to report XXXX different mortgages loans on credit report. I only have XXXX mortgage loan not XXXX. The same loan is reported 4 times all with different balances owed. This is causing my debt ratio to be high and making my credit score go down.Also the balance owed on all of my credit reporting agencies have the wrong balances the balance is only approx XXXX
Product: Credit card or prepaid card

The current issue is causing me significant XXXX and is having a negative impact on my sleep. It is challenging for me to accept this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to the XXXX XXXX to validate debt. The debt amount was for {$1100.00} to XXXX XXXX, from XXXX. They received the validation letter on XX/XX/XXXX. They Never sent a letter back to validate the debt. When I called them they continued to hang up on me. Then gave me the run around and then hang up on me again. They have failed to removed the debt after not responding within 30 days.
Product: Credit card

i requested a chargeback on an XXXX purchase that i was instructed to do by XXXX. 

I have asked twice and both time i have sent all the required information including emails from XXXX telling me to intiate a chargeback. 

Each time Chime has refused the chargeback, now i am unable to proceed a 3rd time as their systems will not allow it. 

Chime has also prevented any way of contact them directly for customer service on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} Bankruptcy XXXXr XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX