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

Experian XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX Dear Consumer Relations Teams, I am writing to highlight the importance of the Fair Credit Reporting Act ( FCRA ) provisions regarding the accuracy and completeness of consumer information reported by your agencies. 

As you are aware, Section 611 of the FCRA empowers consumers to dispute inaccuracies in their credit reports. This section is crucial for maintaining transparency and ensuring that the information provided by credit reporting agencies is as accurate as possible. 

To emphasize the significance of accurate reporting, I would like to bring to your attention the following account caps that must be correctly reflected in consumer credit reports : 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  {$530.00} The accuracy of this information is essential, as it can significantly impact consumers ' creditworthiness and their ability to secure loans, housing, and employment opportunities. Therefore, it is imperative that your agencies prioritize compliance with the FCRAs requirements and ensure that the information reported is accurate and complete. 

I appreciate your attention to this important matter and look forward to your commitment to upholding the integrity of consumer reporting. 

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

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 I Despoit XXXX Into Chase Bank.

On XX/XX/2018.

Chase Decided To Close My Account.

And Didn't Write Me A Check.

They are still holding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX  XXXX for months.XXXX and XXXX   have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

ecently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.PLEASE DELETE IMMEDIATELY
Product: Debt collection

Alltran Education Inc. calls me after I legally requested them to cease and desist all contact with me. They're in violation trying to collect a debt I don't owe. They can't physically validate the debt as I requested them to. I wrote to them and asked them unless they send me all physical evidence requested to validate this debt, they should never contact me again and must remove my name from thy record. 
However, I kept getting phone calls from them. different time during the day. They use different phone number to call me many times, each i would back they no longere in service which cause me nuisance, I feel Ive harassed by this compagny I feel threatening by they abusive behavior agaist me. 
I have contacted the creditor about this unauthorize loan they opened under my name in the past. They refused to investigate the school that sent them these fraudulent applications to collect on my behalf without my knowledge. 
Altran education continuously sending me correspondence, pressuring me after they've received my cease and desist letter. 
I feel like they try to scam me force me into paying back a loan that I never used and I dont owe. 
I asked them to contact who sold them the debt and notify them of this debt being disputed and to contact the credit bureaus as well they ignore all my request to clear the wrong debt, they have in my name under my social security number.
Product: Credit card

My information was stolen and is being used and abused to open lines of credit. A fraudulent inquiry was placed on my credit report
Product: Debt collection

A number claiming to be Synchrony Bank has called me every single day since XX/XX/XXXX and left a recorded robo-message in my voicemail with a call back number. The messages are typically the same, but sometimes they do explicitly refer to PayPal Credit. I have called the bank from the number on their website and confirmed ( using my SSN ) that I do not have an account with them. I have also confirmed this on my credit report. I tried to confirm the validity of the number in my voicemailbox with the main support line on Synchrony 's site, but it was not helpful. I do not have an account with Synchrony, I will not give a random number my SSN, and I'm tired of removing voicemails from a blocked number.
Product: Credit reporting or other personal consumer reports

I AM VERY DISPLEASED THAT I SEE MANY FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.THIS IS REALLY DAMAGING MY CREDIT WORTHINESS. I AM TRYING TO BUY A HOME FOR ME AND MY CHILDREN AND THIS IS NOT FAIR. I HAVE TRIED SEVERAL TIMES TO GET THESE ACCOUNTS REMOVED. LET ALONE, MY INFORMATION WAS IN A XXXX AND XXXX BREACH SOME MONTHS AGO SO I THOUGHT YOU ALL WOULD PROTECT MY CONSUMER REPORT. I DO NOT FEEL THAT MY INFORMATON IS BEING PROTECTED. THIS IS A DEFAMATIOM TO MY CHARACTERAND THIS IS A FEDERAL LAW VIOLATION.ACCORDING TO, 15 USC 1681 [ A ] [ 1 ] [ 2 ] [ 3 ] [ 4 ] MY COMSUMER REPORT FAIRNESS AND PRIVACY HAS BEEN VIOLATED. I AM UPSET! I AM DEPENDING ON THE BANKING SYSTEM AND CREDIT REPORTING AGENCIES TO PROMOTE MY PRIVACY AND FAIRNESS AND THEY HAVE NOT.THIS IS NOT RIGHT AND GOING AGAINST MY FEDERALCONSUMER RIGHTS. CAUSING EMOTIONAL AND MENTAL STRESS NOW.ALSO, IT IS ILLEGAL THESE COMPANIES SHOULD NOT BE FURNISHERS OF PEOPLES INFORMATION TO XXXX PARTYCOMPANIES ITS ILLEGAL, NEGLECT AND FRAUD. I HAVE ALREADY REPORTED THIS TO LOCAL POLICE AND FAIR-TRADE COMMISSION.THESE COMPANIES CAN BE SUED FOR DAMAGES.THIS IS NEGATIVELY AFFECTING MY LIVELYHOOD AND PUTTING ME IN A BAD SPACE. I FEEL YOUR DATABASE IS INACCURATE AND I AM FILING LIGATION AGAINST THIS IF THESE ITEMS ARENT REMOVEDIMMEDIATELY.
Product: Debt collection

Reporting to the credit bureau as if I made a payment and I didnt.
Product: Debt collection

Debt collection agency sent debt that does not belong to me to credit bureau. Contacted collection agency, and they were uncooperative and not willing to help. All information sent to them does not match my identity at all. I verified my identity to all parties involved and it was confirmed I was the wrong individual. I made numerous attempts and made numerous suggestions to the collection agency to help them rectify the situation and they were very combative towards me, including the office manager, who was not willing to help. 

I have made 4-5 calls to their office and have been given the run around about the process and how the situation can be handled. They tell me to call someone else, and that they can not help me. 


Please let me know if more information is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX continues to report delinquencies after receiving proofs of its previous errors and even reports new delinquencies in XX/XX/XXXX after the account closed following the sale of the property in XX/XX/XXXX. 
XXXX XXXX XXXX previously changed my mailing address without my knowledge or consent and recently provided misinformation to its attorneys regarding communication that was never received during its extortion between XXXX and XXXX ( see attached payment history and memorandum in reference to changing my mailing address.
Product: Debt collection

I received a random email this morning from a THIRD PARTY who now has all of my information, from a credit collector. The THIRD PARTY COMPANY is called True Accord, and the person who sent me this email is called XXXX XXXX. 

I did NOT request to sign up with this company for collection and I did NOT willingly give them ANY OF MY INFORMATION NOR THE RIGHT TO CONTACT ME. 

They are implying legal action as well as attempting me to make a payment arrangement through this email. I would believe this is considered fraud and very illegal.
Product: Checking or savings account

I deposited a check on my Truist account signed over to me by a family member for {$12000.00}. The check was payed by XXXX XXXX to Truist. 

Truist decided to close my account because my name was not on check and they kept the funds given to them by XXXX XXXX. They told me to ask XXXX XXXX to recall the check. 

I asked XXXX XXXX to recall the check, they stated that they had no reason to recall the check and the matter was closed for them. 

Truist said to bring the owner of the check to bank and they would release the funds. The owner came and they were now not interested in speaking with her. That they would investigate and get back to me, this was in XXXX 2023. They never got back with me. 

I never received any correspondence from them regarding this transaction. I called and visited the bank several times and now they say that I have to provide a letter stating that the check belonged to me. That they tried to have XXXX XXXX recall the funds and XXXX XXXX would not respond to them. 

I have no way of providing the documents they are asking. They are under my familys name- not mine. As stated they signed over the check to me and I provided the funds that they needed to repair their roof ( hurricane damage ). This is an insurance check. 

I asked for a letter stating their decision so I could take it to XXXX XXXX. They said that they will not put anything in writing and that I must communicate with XXXX XXXX. That they will confiscate the {$12000.00} until I provide the letter that I can not provide, something thats impossible for me to do. 

Truist is keeping my money now for over 6 months and they said the case was close. They had decided to keep the money. 

The money belongs to me or they can return it back to XXXX XXXX so we can get the money that they already paid back. 

Truist said that thats not their problem. That they will not provide anything on writing and thats the Investigation will continue indefinitely. 

Please help with this matter. I can not get XXXX XXXX to recall the funds and Truist will not release the funds that XXXX XXXX already pay them for my account. Im in a corporate never ending circle. 

Thanks for your assistance, Kind regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a dispute letter via certified mail to Equifax, XXXX and XXXX asking to have all Billing Errors removed under 15 U.S Code 1666b and 15 U.S code 1681b. These errors are currently causing me hardship. 

The companies are as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you. Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes. The XXXX standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX  XXXX : {$740.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

Chase closed my 2 checking accounts on XXXX, and saying remaining funds will be sent to me via mailing check. It's been 1+ month and I've tried contact several customer representatives and no one can provide useful information & help. The remaining balance are all I have at the time being closed and this hold on my funds is extremely affecting my life since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' XXXX XXXX Account charged off. {$5400.00} written off. {$5200.00} past due as of XX/XX/XXXX. 
( XXXX ) XXXX Public Record XXXX XXXX/XXXX XXXX Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXublic Record
Product: Debt collection

World Finance Corporation has engage in unfair behavior and willfully noncompliance with the law, knowingly using deceptive tactics on undermine my credibility and give lenders the wrong impression. On XX/XX/2022 I sent a letter to World Finance Corporation and they did not provide me proof, bearing my signature instead they sent a letter from a different address, World Finance Corporation, asking me for information that they did not have or know. Also I sent the second letter to World Finance Corporation they sign and received it on XX/XX/2022 and ask for the second to third time that I request World Finance Corporation and XXXX on XX/XX/2022 and XX/XX/2022 to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have added copies to show how World Finance Corporation falsify information or do not have accurate information because this account was open as identity theft and reporting a serious error on my credit report under my social security number or took information from my disputes and refurbished as new. Also in my high lighted copies of proof you see were World Finance Corporation has try to say they have requested information but never respond to my request.
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 an 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 the violations
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint against CarMax Business Services, LLC concerning their handling of a retail installment contract for my XXXX  XXXX XXXX ( VIN : XXXX ). This complaint addresses violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ). Due to the significant financial and emotional harm caused by these actions, I demand monetary relief in addition to corrective actions. 

Key Violations 1. Failure to Validate the Debt CarMax has failed to validate the debt despite repeated disputes. Under FDCPA 1692g ( b ), CarMax is required to : Provide a copy of the original retail installment agreement.

Submit chain of title documentation, proving CarMaxs legal ownership of the debt.

Substantiate the balance, including fees, interest, and payments.

Failure to validate the debt invalidates CarMaxs collection and reporting activities and violates federal law. 

2. Improper Repossession During Arbitration CarMax repossessed my vehicle while the account was subject to active arbitration, a process that should have paused all enforcement actions. This repossession : Breaches the arbitration process outlined in the agreement.

Violates FDCPA 1692f, prohibiting unfair collection practices. 
This repossession caused significant harm, forcing me to pay for vehicle rentals and disrupting my personal and professional life.

3. Inaccurate and Misleading Reporting CarMaxs reporting to credit bureaus is inaccurate and misleading, violating FCRA 1681e ( b ), which requires maximum possible accuracy. Specifically : CarMax reported multiple " charge-off '' ( CO ) notations across several months, exaggerating the severity of the delinquency.

The reporting fails to reflect the disputed status of the account, as required under FCRA 1681i ( c ).

These inaccuracies mislead creditors and severely harm my creditworthiness.

4. Violation of FCRA 1681b Permissible Purpose CarMax has not demonstrated that it had a permissible purpose to report this account under FCRA 1681b ( a ). Without my written authorization or proper validation, CarMaxs reporting is unlawful.

5. Violation of TILA Failure to Provide Notice CarMax has not provided proof of compliance with TILA 1666b, requiring a 21-day notice for payment due dates. Any late payment or charge-off entries lacking such notice are invalid.

Harm Caused 1. Financial Harm : Vehicle Rental Costs : Following the repossession, I incurred significant costs for vehicle rentals to meet daily transportation needs.

Loss of Financial Opportunities : Inaccurate credit reporting has resulted in higher borrowing costs and denied credit applications.

2. Emotional XXXX  : The wrongful repossession and inaccurate reporting caused undue stress, disrupting my and my daughters quality of life. Missed appointments and professional opportunities have compounded this harm. 
3. Reputational Damage : The misleading credit entries tarnish my reputation as a reliable borrower, further affecting my ability to secure financial opportunities.
Product: Credit reporting or other personal consumer reports

I received a letter from the XXXX XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX. Both Courts sent a response that THEY DO NOT REPORT TO ANY CONSUMER REPORTING AGENCY, nor do they verify information to any credit reporting agency, yet ; LexisNexis, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( lied ) about verification to place these items on my credit report. 

LexisNexis XXXX Number : XXXX, Case Number XXXX XXXX Report Number : XXXX XXXX File Number : XXXX XXXX Report Number : XXXX XXXX  Log Number : XXXX XXXX Report Number : XXXX The Bankruptcy Court ( did not ) give permission to report to my credit file, neither did I give permission to report to my credit file. I do have a right to privacy of my credit consumer file and I do not wish nor give permission for either agency to report this to my credit file. It is negative and I want my privacy XXXX ( XXXX ) and XXXX.