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

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX there is some inaccurate information reporting. 
Chapter XXXX Bankruptcy XXXX XXXX : XXXX Delete this account.
Product: Vehicle loan or lease

I called Capital One Auto Finance roughly two weeks ago for the purpose of correcting inaccuracies on my credit report. I cleary explained to the representative that I was serving my country with the U.S XXXX during the time the payment for the vehicle loan on the 2014 XXXX XXXX. I explained that I assumed the payment where being handle by my now ex-wife a the time but found out that they where not being paid. I only found out that the payment where not made because the vehicle was involved in a accident which resulted in a total loss. I was left with a car upside down on a loan in which my GAP insurance and car insurance covered most of the loan. I made a payment to settle the balance of the loan. I am trying to purchase a home but with Capital One Auto Financing reporting such negative remarks/late payment on all 3 credit bureau, this is causing me emotional distress and would never own a home but rent a house my whole life. I have attached a response from Capital One credit card that I had the same problem with payment not being made by ex wife showing the time frame of me serving my country which corresponds with the date that the vehicle started to report late.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXXXXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX  ACCT # XXXX these accounts has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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, credit repair services, or other personal consumer reports

During the Month of XX/XX/XXXX I sent my card payment ON TIME to Banco Popular to Apply to my credit card balance ending XXXX and since IRMA and MARIA HURRICANE affected all power and business in Pto. Rico They did not processed on time the payment affecting my CREDIT SCORE. 

Now since I 'm applying to a LOAN MORTGAGE TO BUY A HOUSE they are DENIED any letter to fix my CREDIT REPORT I has been deal with the Bank in the last two month and only obtaining a NEGATIVE LETTER and a Final Phone Call confirming They ARE NOT ABLE TO HEL ME TO REPAIR THIS SITUATION. 

Credit Card ending. XXXX Banco Popular Credit Card PRODUCT : XXXX XXXX XXXX XXXX XXXX : XXXX-XXXX2017 XXXX : {$38.00} Customer name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached on the XX/XX/XXXX and XXXX disputing some inaccurate information my credit report I wanted deleted. Transunion has failed to provide me proof this information is accurate and refuse to verify. I have called to erase addresses and phone numbers and somehow an phone which is not mines keeps getting on my report. Which keeps proving that Transunion is reporting inaccurate info.
Product: Mortgage

I had several problems with DHI lender and underwriting. I was told we would close on the house XX/XX/2020. Today is XX/XX/2020 and I was told on XX/XX/2020 that my Income was too high for down payment assistance. I was lied to in XXXX and was given false disclosures. I was asked to extend my lease and also to drain my 401k to pay down credit cards. As Im writing this today Ive drained all my money living in a hotel because I was told I was closing XXXX XXXX XXXX XXXX. Dhi made it impossible for us to qualify and close on the house. I was promised a refrigerator since Dr XXXX built the wrong house on the lot that we wanted in the first place. The refrigerator was already installed in the home. Ive spent over {$2500.00} extending my lease moving into a hotel and storage fees. Again Im left without a home with no where to go. DHI never wanted to sell us the home. They discounted the house and made it impossible for a XXXX XXXX couple close on the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, EQUIFAX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, EQUIFAX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX ACCOUNT # XXXX. FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, EQUIFAX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.
Product: Credit reporting, credit repair services, 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. 

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 has violated my rights. 

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 an 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

Wow i am at lost for words ... .. and I am sorry to bother you once again in regard to Equifax Credit Bureau XXXX I am a victim of Identity theft and i have supplied Equifax with a certified police report about 2 years that list 2 accounts that were manufactured in my name as well as an address that i was not familiar with. 

The accounts were removed as well as the address but up until about 6 months ago they were RE-INSERTED to my credit. I have reached out to Equifax in this regard but it is no use .... the fraudulent entries remain on my credit. Equifax is the only bureau reporting the Fraud and once again XXXX # XXXX and XXXX # XXXX were removed and RE- INSERTED TO MY CREDIT.
Product: Credit card

On XX/XX/year> I used my PayPal Credit account to purchase an item for {$160.00} from XXXX and on XX/XX/year> I scheduled a automatic payment for XX/XX/year> to make my payment I setup a payment for the full amount of {$160.00}. On XX/XX/year> I received a payment confirmation email from PayPal Credit and again on XX/XX/year> and again on XX/XX/year> for all XXXX payments I made. During those XXXX of XXXX days, i can't recall exactly when, I received a phone call from a PayPal Credit representative notifiying me they were returning my payment and stating that they never received my payment, on that call I updated my home address and was notified they would be sending a check for the first over payment. On that same call I submitted another payment of {$160.00}. On XX/XX/year> I received an email from PayPal Credit that they were returning my payment I made my payment again and they stated they never received the payment so I again made another payment. I was sent 2 physical checks one on XX/XX/year> for {$160.00} and the and was notified that once I cashed the check my account would show a {$0.00} balance. On XX/XX/year> I received another check for {$160.00} for another over payment I made being told once again that my account would show a {$0.00} balance after I cashed the check. They have been paid {$480.00} and have returned {$320.00}. They now claim that they never received any payment from me and expect me to pay another {$160.00}. They are stealing money from me then when I tell them they are stealing my money they send a portion of what they stole back to me and are still telling me to send them more money. 

I have attached screenshots of emails showing the payments made their dates and photos of the physcial checks sent to me as well as a screenshot from my bank account showing the payment posted on XX/XX/year> and was taken out of my account. I was never returned this money only the XXXX over payments. 

I am asking the CFPB to have this company update my account appropriately and show the {$0.00} balance. I am requesting PayPal Credit to send me all the documents they have on this account and times that we have spoken on the phone. Once my account is updated to show my {$0.00} balance. I wish to never do business with this money stealing company ever again. Stop attempting to collect this account that is PAID
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On XX/XX/XXXX I've send a secure message through XXXX XXXX XXXX asking if they can help place my account on deferment. On XX/XX/XXXX they replied with an offer to help due to COVID19 and place my account payments to the back end of the loan which was big help, but only to find out later from an alert from XXXX  my account was marked 30 days past due and dropped my score -32 point, my credit was fair at the time and now puts to poor causing my other grantors reviewing my credit now and closing my account. 

I've called XXXX and for them to say they we behind on processing the deferments and would correct the problem but the person on the phone had computer issues but did say they know of the issue and would take action to correct. I said I've call back which I did today only to fin out nothing was done and told to write a dispute letter to them and they would investigate. I told them I'm not writing a letter to dispute an issue they caused and should fix the problem without having people in the same situation as me having to mail a letter with everything going on with this pandemic. 

The person I spoke with by the name of XXXX sent a complaint to their internal but again this will only fall on deaf ears, after all I'm little guy and no cares whether this is corrected or not. I have others who have also done the same thing like GM financial, marked 30 days with a drop of another -32 points. At this point I won't get a job. This only adds to my stress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Has not investigated the items attached on a timely fashion ... 
I have list of errors attached. 


The credit bureau doesnt take time to check to make sure
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting me late on XX/XX/19 and I was never late. I recently checked my credit and noticed this late reporting on my credit. I don't recall ever receiving notices because my account is set to auto draft. So I'm not quite sure why this late is even reporting. I have never been late prior to this or after. I ask as a long time customer for this late to be removed. This was not my mistake and it needs to be removed.
Product: Checking or savings account

I received the below email from Chase. I did not know what ACH Collections service was and had not made any changes to my profile recently. At fist, I thought this may be a phishing email, but decided to call the number in the email to inquire. The call was made to XXXX on XX/XX/XXXX at XXXXXXXX XXXX MST. I spoke with a representative who ended up transferring me to a Chase Business Banking service representative. 

The representative confirmed the email was legitimate. I inquired what the service was for and she explained it was to receive ACH deposits. I asked when and how the service was initiated. She said that the account was automatically enrolled in the service and that it had a $ XXXX  monthly fee. I replied, what if I didn't call about the email would I have been charged {$25.00} per month. She replied yes, but we would have refunded it if you called to let us know that you didn't need it. Wait ... What? I would have had to call to dispute the fee for service that I never signed up for. 

This is BAD! How can Chase enroll an account in a {$300.00} annual service AUTOMATICALLY? Is this considered an unauthorized transaction? How many Chase accounts are unknowingly being charged this fee? I immediately thought of the fraud that occurred at XXXX XXXX. 

From : Chase XXXX Date : XX/XX/XXXX at XXXX XXXX MST To : MY Email Subject : Important Business Banking Alert Reply-To : XXXX Dear Customer, At Chase, we're committed to providing the tools you need to help you monitor your account ( s ). Below is a list of the latest transactions for the accounts in your profile : *Online ACH Collections service has been activated for your profile on XX/XX/XXXX. 

If you have questions about the transaction ( s ) or this alert, please call XXXX ( XXXX ). Our customer service representatives are available from XXXX XXXX to XXXX  Eastern time, seven days a week. 

Please do not reply to this automatic alert. Instead, you can sign in to www.Chase.com/businessbanking to send us a secure message. 

We appreciate your business. 

Sincerely, Online Business Banking Team
Product: Debt collection

The representative could not provide me with information about the amount owed other than who the original creditor was. I was asked to provide the collection company with information of what I owed them instead of them providing me with information about the amount of money that they were trying to collect. I asked to be provided proof of debt, including but not limited to, payment history, interest accumulation, and fees to verify the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX says they took off the 30 day late payment for XX/XX/XXXX now all of a sudden a 30 day late shows up for XX/XX/XXXX which was not there last week here in this dispute are the copys of last week credit report terrible how can this happen all of a sudden fix my credit
Product: Checking or savings account

I am writing to address an issue regarding a recent transaction where I used Cash App Pay to make a purchase at XXXX, expecting to receive 15 % cash back based on an active offer in the app. 
On XX/XX/year>, I completed a purchase of {$25.00} at XXXX through Cash App Pay, having clicked on the 15 % cash back offer before proceeding. The offer prompted me with a " Shop '' button, which directed me to the XXXX website to complete my purchase. However, despite following these steps, I did not receive the expected cash back. Upon contacting customer support, I was informed that the offer had not been added to my account, and my claim was denied. I strongly believe there may have been a technical issue with the offer activation, as I followed the appropriate steps to access it. 
I have attached a screenshot that shows I clicked on the offer before making the purchase. Given that I followed the provided steps, I kindly request that you re-review this transaction and resolve the issue by applying the promised cash back to my account. 
I value Cash Apps service and hope that we can resolve this matter promptly. Thank you for your attention, and I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I Have Realized In Accordance With The Fair Credit Reporting Act XXXX XXXX  XXXX Has Violated My Rights 15 U.S. C 1681 Sections 602 A States I Have The Right To Privacy 15 U.S. C 1681 Sections 604 A It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions or Consent Also There Was A Hard Inqury That XXXX  of XXXX Bank And XXXX XXXX XXXX Issued XX/XX/XXXX Without My Knowledge As Well
Product: Debt collection

LVNV Funding has been report information on my credit reports ; I never signed a contract with this company or gave written permission to have my personal and private information. Due to this company reporting this information and contacting me they have violated my federally protected consumer rights. The CRA has allowed this information on my credit report and it is damaging my reputation ( credit profile ). My federally protected consumer rights have been violated and this has caused major stress to myself and my family. Because this information is being reported it has harmed me financially and denies me access to homes and funding for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX CREDIT XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

XXXX XXXX with Wells Fargo is deliberitly delaying the refinancing of our loan. She indicated to me that I would be put in touch with a loan supervisor two weeks ago and I never received a call. When I called her today she stated she forgot.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert from Equifax that my XXXX credit score dropped from XXXX ( excellent ) to XXXX ( very good ). I reviewed my credit report and found no errors -- all balances went down, there are no inquiries, past due payments or any other adverse information. I have established a credit file more than 35 years ago. How can a credit score go down 33 points for absolutely no reason? I tried calling Equifax, spoke to 3 people and no one could give me an answer. There is no way to dispute a credit score with Equifax.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for XXXX Documentation To Whom It XXXX Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : [ XXXX ] Date Listed : [ XXXX XXXX, 2021 ] The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX v. XXXX XXXX Bank, the issuance of a XXXX form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code XXXX defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a XXXX form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : XXXX of the Account XXXX : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the XXXX Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was XXXX under Event Code XXXX or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Please investigate this matter within the legally required XXXX timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

mistakenly sent rent payments to the wrong person over the course of several months, person did not respond to requests for repayment and Venmo refused to reverse the payments. currently out {$5600.00} as a result of this. 

All of this happened in 2021 and has resulted in significant further financial damages for myself and my family, including payday loans and moving costs associated with eviction. Venmo has ruined multiple lives in their refusal to fix this. 


I have not had a moment of peace in my life since this went down, and if my life continues on this trajectory I will wind up homeless.