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

XXXX continues to incorrectly report a closed installment loan account originally with Wells Fargo XXXX XXXX XXXX ( " Wells Fargo XXXX '' ) with a payment status of " 60 days late. '' The loan was sold or transferred to another institution and its payment status is now " current. '' Simply put, a closed loan account can not be " 60 days late. '' I am fairly certain that this CLOSED Wells Fargo XXXX account is being reported as " delinquent '' on my XXXX credit report and significantly impacting my XXXX XXXX in highly negative fashion. I understand that XXXX is reporting the Wells Fargo XXXX loan account as " closed '' or " sold or transferred, '' but this should remove the CURRENT PAYMENT STATUS of " 60 days late, '' as it is FACTUALLY INCORRECT.
Product: Debt collection

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1. ( Original Creditor : ) acct # XXXX Bal {$1900.00} 2. PORTFOLIO XXXX XXXX XXXX Bal {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inquiries on my consumer report illegally. 
XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX  XXXX XXXX ( Finance ) XX/XX/2022 XXXX ( Miscellaneous ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX, XXXX ( Bank ) XX/XX/2022XXXX is reporting inquiries on my consumer report illegally.
Product: Checking or savings account

On XX/XX/2022 at XXXX I went to an XXXX atm to deposit cash into my Huntington checking account. I used my Huntington debit card to make a {$900.00} deposit using an XXXX atm. The atm took the money and never, I have a receipt showing the amount that was taken and it shows that it did not give my money back. 

I have filed 3 disputes with the Huntington Bank, and each time they come back saying they have found nothing. I have also reached out to XXXX, and they keep telling me that I would have to go through Huntington. 

I have been going around in circles trying to get my money back and no one is figuring anything out.
Product: Checking or savings account

I spoke with chase bank about a check endorsed to me from Mt girlfriend they told me they can't verify her number because I pay the phone so my name is on the account so they tell me its impossible to verify her number and further impossible to verify check with no other way I can receive the deposit when the check was deposited perfectly proper and they are holding it for no reason and we're of no help to tell me how I can receive or cancel the check to receive a new
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in relation to my previous complaint I filed against XXXX. I have attached a copy of my previous complaint confirmation as reference. XXXX responded to my complaint but FAILED to address the issue of my complaint. XXXX essentially provided me a history of what happened on the account but failed to address the 120 days late I was assessed for the month of XX/XX/2021. I settled the XXXX account IN FULL on XX/XX/ 2021. How can I be late if there was no balance?? The new 120 day late tanked my credit score and this is a complete violation. TransUnion seems to be the only bureau to report this error. I am not asking to have the whole XXXX account deleted, but I am asking to get the new 120 day late payment deleted.
Product: Debt collection

I sent a debt validation request to Lowes on XX/XX/2020. Lowes received the request and has not responded to my request for validation of this alleged debt
Product: Credit reporting

I have disputed an account listed on my credit report with XXXX at minimum 4 times. I have filed a CFPB complaint at minimum XXXX times. So far XXXX as repeatedly failed to comply with the law. The most recent illegal reporting has adjusted the Date of Last Default on an account to reflect a date that is completely invalid. Specifically, on my credit report an XXXX account currently shows with a last reporting of a late payment/charge off on or about XX/XX/XXXX. That is in fact completely inaccurate and not even remotely accurate. Specifically, the account also shows as a bad debt. However, per a letter dated XX/XX/XXXX that I have provided to EquiFax no less than XXXX times, and which on page XXXX clearly states " We last reported the status of your account to the credit reporting agencies as a charge off account, closed by the credit grantor. However, with the update to your account and its balance, it will next be reported as a satisfactory account, closed by the consumer, with a {$0.00} balance. '' This letter is signed by XXXX XXXX of the Customer Advocate Team and was filed with the CFPB in response to complaint XXXX on or about XX/XX/XXXX. EquiFax has repeatedly ignored this documentation an d mis reported the debt. EquiFax is the ONLY reporting agency that has refused to acknowledge, review and respond to the information. I have attached a screen shot of the account as listed on my EquiFax report, a copy of the letter from XXXX XXXX. At this point failure to correct errors WILL result in legal action.
Product: Debt collection

XXXX continues to call our business about a person who does not work here, has never worked here, we don't know who they are and calls repeatedly
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion. please review an remove all inaccurate information that is hindering my file. my credit report is damaged an needs to be corrected to clean my file. delete all incorrect information asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States that I have the right to privacy 15 u.s.c 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my instructions
Product: Credit reporting or other personal consumer reports

This complaint is to address Discovers  failure to provide legally sufficient proof of the alleged debt associated with the account ending in 3869. Under the Fair Credit Reportin

g Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to verification that any reported information is accurate, complete, and can be substantiated. Discover has failed to fulfill this requirement, a clear violation of my FCRA rights. I am maintaining a detailed record of all correspondence to support my case. Failure to Verify the Account It is clear that this account is questionable, as the spelling of my name has been incorrect throughout this process. I have provided proof of my correct name through a legally issued Social Security card. Despite this, the CFPB and Discover have continued to record and address my name inaccurately. This discrepancy further undermines any claim that I am liable for this account. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies, such as Discover, must conduct a reasonable investigation when a consumer disputes the accuracy of the information. You have not produced any definitive documentation that proves my responsibility for this account, nor have you provided signed authorization or any document definitively linking my identity to the alleged debt beyond basic biographical details. Violation of FCRA Rights The absence of a signed application or photographic identification further weakens Discovers claim. FCRA guidelines mandate that consumer information must be both accurate and verifiable. Without a legitimate, physical signature or government-issued ID, Discover can not verify the accounts legitimacy. Discovers failure to abide by FCRA standards violates my rights and undermines the integrity of the reporting process. Demand for Compliance If Discover can not provide documentation of a legally binding contract or adequate verification under the FCRA, I demand immediate cessation of any reporting of this account to the credit bureaus. Continued reporting of this account without verifiable documentation constitutes an ongoing violation of my rights under the FCRA and may result in legal action. I expect a prompt and thorough response, with full compliance regarding my rights. Failure to address this
matter will leave me with no choice but to escalate this complaint with additional legal remedies. I also expect that Discover refrain from providing misleading information to the CFPB regarding this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 USC 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit XXXX agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of accounts 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 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 intiated 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 ) 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXXXXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX XXXX, PA XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXXXXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you in taking the time to update some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus need to validate these accounts ( A ). I hope these disputed accounts will be updated. 
XXXX XXXX Balance : {$2000.00}, XXXX  XXXX XXXX Balance : {$5800.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Account : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

My car was stolen and my insurance paid what it was valued at, however, I 'm told that I still owe over XXXX dollars, with now comes to XXXX with interest.
Product: Checking or savings account

Today ( XX/XX/2021 ) I received a debit card in the mail from MoneyLion, by XXXX. I did not request an account and now I'm scared I'm a victim of identity theft. I'm not really sure what I'm supposed to do if this is identify theft, but I read that filing a complaint with the CFPB may be a good place to start.
Product: Credit reporting or other personal consumer reports

My names on my credit report is wrong I was birth XXXX XXXX I was XXXX XXXX Im now XXXX XXXX so other names on the account are not mind and some account aint mine
Product: Credit reporting, credit repair services, or other personal consumer reports

a lot of information is invalid on my Experian credit report. I am disputing all incorrect information to help clear my report.
Product: Mortgage

I currently have a first and second mtg with Suntrust Mtg co from XXXX Va. 
In XXXX XXXX I applied for a Mtg modification. I requested a mtg modification due to reduction in income from retirement. On XXXX XXXX, XXXX I spoke by phone with the modification debt, XXXX and XXXX, they advised of additional information needed. They were n't really helpfull just reading from a script. Then on XXXX XXXX I received a letter indicating that my application for modification was turndowned. How can one day add info is needed and then it 's turned down. I 've called for the rep assisgned to my application but never able to get thru ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ XXXX  Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XX/XX/XXXX
Product: Checking or savings account

I received an email directly from Chime on XX/XX/2024 with the subject " For a limited time, earn {$500.00} when you refer one of your friends ''. The contents were : " Spread the Chime love. 
We appreciate you being a Chime member. For a limited time, earn {$500.00} when one friend joins. * Refer today Dont sleep on this offer Refer one of your friends Make sure they sign up by XX/XX/2024 They need to set up a qualifying direct deposit of $ XXXX within 45 days Then youll receive {$500.00} bonus and theyll receive {$100.00} Earn {$500.00} from Chime Questions? Were here to help. '' My wife then signed up with my referral link on XX/XX/2024. She has since made more than XXXX direct deposits of $ XXXX within 45 days and we have fulfilled the terms stated in the offer. These are our first and only Chime accounts and my wife is my only successful Chime referral. 
After 2 months, I had to call Chime on XX/XX/2024 because our referral bonuses haven't been credited. I was able to get {$100.00} credit both for myself and my wife. During the call, I was promised that the additional {$400.00} will be deposited to my account in a couple of days to fulfill the terms. 
On XX/XX/2024, I have not yet received the additional {$400.00}. I called in again. I was first told this promotion did not exist. I then forwarded to the email to " XXXX '' and the agent on the phone acknowledged receipt. I was then told I was " ineligible ''. They could not give a clear explanation as to why I was suddenly ineligible for this offer even thought I received direct email communication from Chime on XX/XX/2024. I also have a screen recording of my wife going through my referral link and opening her account on XX/XX/2024. 
Chime has yet to fulfill their end of the terms. One could characterize this as a bait-and-switch if they fail to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charges on my credit report related to the following accounts : XXXX XXXX XXXX Charge Off Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge OFF Account XXXX XXXX XXXX Bankruptcy XXXX I understand that these accounts have been charged off or sent to collections, but I strongly believe that these charges are not accurate. Furthermore, I would like to point out that I filed for bankruptcy on XXXX, and as such, these accounts should no longer be on my credit report. 

I am emotionally distressed by the negative impact these charges are having on my credit score, and I am kindly requesting that you investigate these charges and remove them from my credit report. I have been working hard to improve my credit and these inaccuracies are hindering my progress. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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