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

I contacted XXXX credit reporting agency today XXXX/XXXX/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my equifax credit report however upon checking my XXXX XXXX account there is a history code with a number 1 next to it which means there was a late payment I resolved this issue with XXXX directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the equifax rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " Barclay 's card '' I have 2 accounts with them. Another account is XXXX XXXX '' I also have 2 accounts with them as well. Another account is my XXXX XXXX accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on equifax 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported that Hyundai Motor Finance was refusing arbitration as per the terms of the lease contract to resolve a dispute. Now they have reported to XXXX that I am delinquent on my bill negatively affecting my credit score. Arbitration was contractually the path to go forward and they are refusing and now filing innaccurate credit reports. I see CFPB fined Hyundai last year for doing these kinds of things. I would PLEASE like CFPB to intervene. I am happy to abide by the outcome of arbitration as that is the point of arbitration. Hyundai made me sign that this this is what we would do in the case of dispute. They need to live by their own terms. I have requested arbitration repeatedly on the phone and with two registered letters. They ignore the request.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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/XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

I transferred {$500.00} from XXXX Bank of America XXXX XXXX ( XXXX payment ) account on BOA app to my XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX  ), which was never received. I put a claim in with both Bank of America and my XXXX XXXX XXXX XXXX. The XXXX XXXX XXXXXXXX XXXX stated they never received the transfer and that they needed a trace transfer ID number that Bank of America was never able to provide me. The claim was denied twice by Bank of America stating that the transaction was completed with no additional information stated. I spoke to over XXXX representatives over XXXX hours of time invested since XX/XX/XXXX, and still was not able to get an answer. This was not a point-of-sale or a ATM withdrawal. This was a bank to bank transfer. It has been almost a month and they still have not resolve this issue. I even sent them a copy of my bank statement to prove the money was not deposited. The last XXXX was on XX/XX/23. 

Therefore, Im filing a complain PS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  which is why I answered yet to the below question.
Product: Credit card

I, XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD  XXXX
Product: Student loan

I would like to dismiss this student loan I been paying for this loan since XX/XX/XXXX, College closed end of XX/XX/XXXX, was not able to successfully obtain a job in my career field, due to the high cost of these loan 's not able to purchase a home. continue on income sensitive for years, now that is closed they did not credited me to go back to school tuition free.
Product: Debt collection

Complaint Summary I have submitted multiple disputes to the credit reporting agencies ( XXXX, XXXX, and TransUnion ) regarding inaccurate and outdated accounts appearing on my credit report. Despite my repeated requests, they have failed to conduct a proper investigation or provide sufficient method of validation as required by law. Additionally, several accounts remain on my credit report even though they are past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ).

Details of the Issue Failure to Validate Disputed Accounts I disputed an account with XXXXXXXX XXXX XXXX ( Account Number : XXXX ), stating that it does not belong to me. 
The credit bureaus failed to provide proper verification, as required under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

I repeatedly requested the method of validation, yet they continued to report the account without a legally sufficient response.

Failure to Remove Accounts Beyond the Statute of Limitations The following accounts have exceeded the seven-year reporting limit and should have been automatically removed under FCRA 15 U.S.C. 1681c ( a ) ( 4 ) : XXXX XXXXXXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXXXXXX ( Account Number : XXXX ) XXXX XXXX XXXXXXXX ( Account Number : XXXX ) XXXXXXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number XXXX XXXX ) Despite my formal dispute requests, the credit bureaus refused to remove these accounts in violation of the FCRA. 
Failure to Conduct a Reasonable Investigation Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation when a consumer disputes an account. 
Instead, the bureaus provided automated responses and failed to provide any documentation or proof of validation. 
This is a clear violation of my consumer rights. 
Steps I Have Taken I have sent multiple written dispute letters to XXXX, XXXX, and TransUnion requesting the removal of these accounts. 
I specifically asked for the method of validation for the XXXXXXXX XXXX XXXXXXXX account , but they failed to provide sufficient documentation. 
I followed up multiple times, yet the incorrect and outdated accounts remain on my report. 
I warned the credit bureaus that failure to comply with the law would result in a formal complaint to the CFPB, but they still refused to take appropriate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they  would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8700.00}, {$4100.00}, {$9300.00}, {$4100.00}, {$0.00}, {$380.00}, {$3900.00}, {$5800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

XXXX. BANK XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- XXXX ACCOUNT 6. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I had referred multiple new users to Cash App and had them perform their first transaction using my promo code, but was denied the promotional credits repeatedly for some strange reason. When I contacted their support, they never gave me a real reason and disconnected the line each time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

In my Consumer Report, there are 4 charge offs reporting which is illegal because Charge offs are considered cancelled debt. According to the IRS, cancelled debt is considered income & Income can Not be reported in a consumer report. 

The IRS states that cancelled debt is income and the 3 consumer reporting agencies that are reporting the charge offs are not authorized to report. 

I never authorized to report these charge offs to report on my consumer report, as this is defamation, causing Financially and emotionally damage.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sr : Re : Name : Address : Account # : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit card

I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to fair credit reporting act, 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. This account, Bank Of Amedrica is not complete and acccurate. And one more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.

Wrong Balance, two different reporting dates, Two different last date active. Balance paid off.
Product: Vehicle loan or lease

I am currently financing a vehicle loan through Truist Bank and the title, from the start, never had my name on it. Now someone please explain to me how I am paying a vehicle loan when I dont even own the car? Somehow, my co-signer has full ownership of the vehicle! Like how was this loan even accepted? They didnt even check the physical copy of the title to see if it had my name on it and I know this because in their system my name is MAGICALLY on the title. This all started to get serious on XX/XX/XXXX around XXXX. Numerous times I was told to call a different place to resolve this issue. Once I called the DMV, where they told me to call, they stated that the only person who could fix the title is the leinholder. Which makes sense since they are the only beings with the physical copy of the title. I even obtained a fax number from Truist Bank and was told to fax them the problem to get this resolved. I looked it up online and was AMAZED it was a subscription dealerships purchase to find leinholders. I wasted HOURS of my personal time calling every single place I was directed to call to fix this problem. Now fast forward to present time On XX/XX/XXXX at XXXX I called again. I explained the situation for the millionth time and was told to wait on hold. I told them that my name, in their system, was not on the title. I was told this numerous times so I know for a fact I did not get this wrong. After the lady came back on the phone she tried to make me look stupid by saying my name is on the title. Yet again was I told to call the DMV and the dealership! Yet again I explained I called everywhere and I am not going to call again. I insisted it was a problem Truist Bank had to resolve. Again, I was put on hold so the person could put a report in so their title maintenance department could review it. As soon as she gets back on the line she states, I did happen to find your physical title and it appears your name is not on the title. The amount of associates I have talked to that dont listen and try to shove me off to another business to fix a problem on their end is ridiculous. I will NEVER recommend this place to anyone. Its like they knew I was young, seeking help, and kicked me to the curb because they didnt want to deal with it. So unprofessional!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance {$610.00}.
Product: Credit reporting

countiue to report fraud accounts disputed with creditor back in XXXX thru XXXX from XXXX # XXXX {$4500.00} and Civil judgement XXXX {$4500.00} from XXXX XXXX # XXXX this was result of fraud neglected by XXXX to resolve and these needs to removed from credit file
Product: Credit reporting

Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 

On XXXX XXXX, 2015 Funding Suit Mortgage reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Equifax to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Equifax with the opportunity to remove the item before it has harmed me any further. I contacted your offices in Georgia and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. Thank you and Happy Holidays.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block , INC ). Due to an adequate customer, service and unfair practices, which violates the customer financial protection at ( CFPA ). Specifying, cash app failed to take Take And effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, there is a dispute resolved process was unfair and deceptive as they did not comply with error resolution requirements under The electronic fraud, transfer act, E ( FTAN ) regulation E. These actions has caused Significant inconvenience and financial Loss, And I seek appropriate redress For these violations.
Product: Student loan

I have student loans and wanting to get them forgiven. The school was shut down in XX/XX/2015. I can not pay these loans.
Product: Debt collection

On XX/XX/2020 Midwest Recovery Systems reported a collections account on my XXXX and XXXX credit files. I had never received any correspondence or phone calls from this company prior to the erroneous posting on my credit files. In the following days I received multiple phone calls attempting to collect a debt. I informed Midwest I have no knowledge of this debt and demanded verification. To date they have failed to provide any validation information. I am assuming this is a scam with the intent of defrauding me through extortion as they have failed to provide any evidence of the debt.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint for violation of 15 U.S. Code 1681s-2. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation.

I contacted the creditors listed below, requesting an investigation into potentially fraudulent, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy.

The credit reporting agency has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you may be held liable under 15 U.S.C. 1692g validation of debt. Additionally, based on the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information.