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

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXXXXXX customer service representative.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( 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 these violations
Product: Debt collection

They Failed to validate this debt. Legally or properly. 

I have been a victim of HIPPA VIOLATION by the Bureau of Medical Economics and XXXX XXXX XXXX Specialists. 

I demand it be removed from my credit reports immediately! 
Or I will be suing them for {$10000.00} or more. 

XX/XX/2021 I requested validation of the debt to them. 
They did not VALIDATE THIS DEBT. respond back to me XX/XX/2021. 
Without proper validation. 

I contacted Bureau of Medical Economics via " certified / USPS mail as well as XXXX XXXX XXXX They Failed to Validate the Debt. All that was sent was a fake bill with my name on it with a company I never did business with or signed or authorized anything. 

I want all debts they are claiming are mine removed from my credit reports immediately. 
They are in violation. I have never done business or authorized anything with any of these companies. 

They are in violation. 
I obtained an attorney and they claimed I need to file this complaint with you here as my next step. 
Before I sue them for violating my HIPPA Rights. If not removed immediately from my reports. 

Thankyou, XXXX XXXX
Product: Credit card

I applied online after researching that this Institution accepts online applications for Credit. After entering multiple screens of my private Personal and Business Information, they sent an email that I was declined for access to credit. Reasons are not applicable to my Profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. I have recently reviewed my credit report and have found multiple inquiries that I do not recall authorizing. I believe these inquiries might be fraudulent and I request their immediate removal from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. In accordance with this law, I am requesting that you investigate and remove the following inquiries from my credit 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  As per the FCRA, the credit reporting agencies must investigate my dispute within 30 days of receiving it. I also request that you provide me with a written statement of the results of the investigation and a free copy of my credit report after the dispute has been resolved. 

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

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

My issue is with Equifax, and the credit score they are reporting. According to myEquifax account, I have a delinquent account, which is negatively impacting my credit score, which is untrue. I do not have any delinquent accounts, and when I called Equifax today and spoke with a representative XXXX XX/XX/21 XXXX, they stated that they don't see a delinquent account in my record and are unsure why it is appearing on myEquifax and why my credit score has remained poor and not improving, despite the lack of delinquencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every hard inquiry on my credit report except XXXX XXXX on XX/XX/2021 need to be removed. They were posted without my permission! Its hindering my credit!
Product: Debt collection

I demand the credit bureaus promptly delete the late dates associated with the disputed items as their failure to verify inaccurate reporting is a blatant violation of the FCRA. Despite multiple attempts, the furnisher of information has neglected to provide any proof or response, further violating the FCRA. The credit bureaus must comply immediately to rectify this situation, or legal action will be pursued for their non-compliance with FCRA provisions. XXXX XXXX and XXXX XXXX XXXXXXXX.
Product: Debt collection

The CA XXXX Rent Relief Program settled mine and my wife XXXX XXXX XXXX outstanding rent balance of {$7200.00} for the XXXX XXXX  XXXX XX/XX/XXXX, under Case ID XXXX. However, on XX/XX/XXXX, the XXXX XXXX  forwarded my account to Columbia Debt Recovery XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, with the account number XXXX. 

Despite several attempts to contact XXXX XXXX and providing Columbia Debt Recovery with proof of payment from the California XXXX Rent Relief Program XXXX the collection agency has remained unresponsive and insistent that I owe the debt, even offering a reduced settlement. 

The actions of this agency have significantly harmed my credit score, resulting in substantial financial loss and the collapse of a home purchase escrow. I am of the opinion that this company 's conduct constitutes fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$120000.00}, XXXX XXXX Balance : {$36000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt at trying to resolve this matter with XXXX XXXX refuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great stress, strife and anxiety trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' XXXX failure to update the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA Section 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addressed.
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, 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 or 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

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account name : XXXX XXXX. Account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER BANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and noticed that there were inquiries that I never consented to or did I ever benefit from them in any shape or form. I was told my information was leaked in a data breach with Equifax and XXXX XXXX recently as well. This keeps occurring with random inquiries popping on my report.
Product: Money transfer, virtual currency, or money service

I have been trying to get my money back from chime bank for XXXX a month and a 1/2 probably period there was a guitar sold on a platform called XXXX XXXX XXXX XXXX account was under my ex 's name XXXX XXXX. He was trying to send me the money that he owed me for the guitar and had to sync to my bank account which he added to his XXXX account period chi 'm sent the money back to XXXX because the names didn't match period when I contacted XXXX for my money they said they didn't see it and that they sent it to chime I contacted chime they told me they sent it back to the distributor and now there's been a dispute about where the money is and I can't seem to find the money anywhere nobody will give me a resolution nobody will tell me what happened to the money period I have contacted I've contacted chime several times I opened a dispute they ended up closing the dispute a day later without even contacting me even though they said they tried to contact me I never got a phone call or anything. I called them I was on the phone for over an hour spoke to 5 or 6 representatives none of them can give me an answer they just kept transferring me over and Over. I've asked them several times to please give me a statement reflecting that they had the money sent to my account and then they sent it back to XXXX they will not give me a statement they won't give me any answers they said I can't dispute it because it was sent direct deposit by my employer which it's not my employer that sent me the money I have stated to them over and over what happened and they are sending me in circles and leaving me on hold transfer me to 1 person to another they won't get a supervisor on the phone I can't get any answers and my bank statement does not reflect that they sent the money to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account 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 accounts below : XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX  XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never entered into a contract with this company. I have not given them permission to report my personal information to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

earlier on in the year of XXXX, I filed a complaint with you regarding the servicing of my loan from SpServicing. Reference case # XXXX. They were clearly not honest with there response to you regarding my XXXX payment and the final loan modification. I will attach all of my documentation including bank statements for the entire year of XXXX and the trial modification and the final modification. I also have a letter from them dated XXXX XXXX that my final modification was approved. The XXXX payment which they claimed, I did not make, was one of the 3 trial payments of which I phoned in XXXX, XXXX and XXXX payment on XXXX/XXXX/XXXX. If I did not make my XXXX payment, how would I have been approved for the final modification as outlined in the trial modification? Once the final modification was approved, everything escalated from that point. Accusing me of not making payments and no one could tell me which payment was not made. I have had XXXX in XXXX and could not handle all of this along with my health problems so I retained an attorney after I received your response from SpServicing and their response as well. It also appears that they are not applying the payments correctly to the PITI as outlined in the trial modification and the final modification. I am reaching out for your help again to protect me as the consumer with the servicing of this loan do be done in accordance to the trial and final modification. They are also threating me with notices of default every month. How can they do this when all of my mortgage payments are made on time? You will be able to see this as I am attaching proof of payments for the entire year of XXXX. This mortgage company also will not let my attorney speak with their attorney and a manager does agree that I have a modification, but they have yet to honor it. My attorney is also getting frustrated with them and he now knows that all of my complaints about this company and the servicing of my loan are valid. He as well, has a copy of my final modification and proof of all of my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am not working with or have I been influenced by any 3rd party or credit repair entity. I have attached my full complaint for review.
Product: Consumer Loan

I had filed previously a complaint regarding my auto laon with Drive Time not appearing on my XXXX credit report, complaint # XXXX. On XXXX Drive Time representative named XXXX XXXX responded by stating : " Due to complications with the reinstatement process, we determined that XXXX XXXX 's loan has not been reporting to XXXX. We followed procedures previously determined by XXXX to be adequate for reinstatement and believed that XXXX XXXX 's trade line had begun to report. Upon realization that his loan was not reporting, we contacted XXXX and discussed alternative approaches for reinstatement, which have also been unsuccessful. We are currently working with XXXX to reach an amicable resolution for XXXX XXXX in the reinstatement of his trade line. 
We have been in correspondence with XXXX XXXX in regard to this matter, and we will contact him with any updates as they are made available. We apologize for any confusion or inconvenience this matter may have caused. Once the complications with reinstatement have been resolved, XXXX XXXX 's trade line should begin to reflect on his XXXX credit reporting within 30-60 days. '' I XXXX XXXX contacted XXXX on XXXX/XXXX/XXXX, to find out, my auto loan with Drive Time till this day does not appear on my XXXX credit report. This issue has been going on between me and Drive Time since XXXX/XXXX/XXXX when this issue was brought to my awareness. I brought it up to Drive Time on XXXX/XXXX/XXXX and still remains unresolved.
Product: Money transfer, virtual currency, or money service

I have an account on Coinbase.com, i used  XXXX  f or 2 fac tor authentication on the account. My phone was factory reset on  XXXX   XXXX  and I lost the " token '' on the phone that connects t o Coinbase, therefore am unable to transfer my funds away from Coinbase. I have filed 3 separat e customer service requests to remove  XXXX  from my account and the firs t 2 w ere closed for no reason, the third appears to be pending but i 'm doubtful. I have gotten no response from them. All i want is to get my money, which is nea r 1 thousand dollars. I have sent them proof of my identity and I can see no reason to prevent me access to my money unles s they are running a scam of some sort.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX has violated my rights. I sent a letter in asking the credit bureau to send me a statement regarding late payments, on XXXX XXXX Account, ending ( XXXX ), and XXXX XXXX XXXX account ending ( XXXX ) that are reporting on my credit file. The letter was sent on XXXX XXXX and received by XXXX on XXXX XXXX. I followed up and provided additional supporting 15 USC 1681 Section 602 States I have the right privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card

I applied for the Wells Fargo Active XXXX Back credit card on XX/XX/2024. I have a XXXX XXXX of XXXX ( updated on XX/XX/2024 ) with 100 % on-time payment history, {$5500.00} in available credit across two accounts, and 0 % credit utilization at the time of my application. I have never been late on payments, and I have only one recent inquiry in the past two years. 

Despite my strong credit profile, my application was denied without a clear explanation. When I contacted Wells Fargo for clarification, the representative I spoke with was unhelpful, dismissive, and rude. I feel I was not treated with the professionalism or respect I expect from a financial institution. Additionally, the denial seems unjustified given my credit history and responsible use of credit. 

This experience has been frustrating, especially as I was seeking a card to help build credit further and responsibly earn rewards. I believe Wells Fargo should review how they handle customer inquiries and credit decisions to ensure fair treatment.
Product: Credit reporting or other personal consumer reports

Account Ive noticed on my credit report mis information was reported in regards to my capital one auto loan. 

I paid the car off and was never late on a payment. This is hurting my credit and is not accurate information. Please advise the next steps that should be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off, back in XX/XX/2014 it says about 3 different credit card accounts were opened using my name, social security number. One of which is still not paid off and has put me in credit debt and ruined my credit before I even turned XXXX, which Im still trying to fix! Additionally, I had to submit a background check for the college of my choosing - and I just saw some incorrect information on there which I know could just be a mistake in the system Like it said but because I have the issue of the unknown credit accounts opened in my name, I dont want to take any chances. I am reaching out to you for help potentially to fix this mess before more of my personal information gets stolen or anything else happens. Thank you for the time.