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

loan was opened by my now XXXX wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XX/XX/XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia XXXX.
Product: Credit reporting or other personal consumer reports

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 the customer service representative of the said accounts. BANK OF AMERICA XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting

Transunion has failed to conduct a proper investigation each time I submitted a request for an investigation. The first request I sent they received on XXXX/XXXX/XXXX. I did not even receive a response back. The second request I sent, they received on XXXX/XXXX/XXXX, I did receive a response but they did not address my request for method of verification which is my right under FCRA Section 611 ( a ) ( 7 ). In fact, when I disputed the bankruptcies and they verified it, the date of verification still shows XX/XX/XXXX instead of the current date at the time they claimed they verified it which should have been XX/XX/XXXX. I also recently sent them a request to re-investigate the bankruptcies requesting who specifically verified the information. I faxed my request in on XXXX/XXXX/XXXX and I got a response back dated XXXX/XXXX/XXXX having them verify it again with no change and still showing the same date of verification from over a year ago ( XX/XX/XXXX ). In addition, this time I also sent them a letter I received from the Bankruptcy court stating that they do not report nor verify information with the credit bureaus which I sent over to them as a part of my dispute. They did absolutely nothing. I also disputed an auto loan that they are reporting as charged off. I sent them a copy of my XXXX report showing the same trade line as paid as agreed and still no change. Bottom line, Transunion should have deleted all of the items that I requested an investigation on in my first letter ( received XXXX/XXXX/XXXX ) because they did not respond back within 30 days. In fact, they did not respond at all at that time and according to FCRA 611 ( 5 ) ( A ) they have to promptly delete any information they are not able to verify and by them not responding the first time, they needed to remove all items that were disputed.
Product: Credit reporting

Transunion has reported XXXX public records on my credit report. XXXX Chapter XXXX bankruptcies and XXXX judgement. I have verified with the XXXX Court and the XXXX court that they do not report to the XXXX major credit bureaus. Transunion has pulled this information from a 3rd party and therefore must be deleted.
Product: Credit reporting or other personal consumer reports

I

am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} 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 Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} 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 or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Discharged Date Filed XX/XX/year> Docket Identifier XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account Reporting - XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ) Dear Experian Dispute Department, I am writing to formally dispute the information being reported on my credit report by XXXXXXXX XXXX XXXX regarding the account referenced above. There are significant inaccuracies in the reported balance, and I have not received the required IRS Form 1099-C as mandated by federal law. 

Basis of Dispute : Incorrect Balance Reporting : The reported balance of {$850.00} is incorrect. The original credit line for this account was {$600.00}, and the account has since been charged off bXXXX XXXX XXXX  XXXX. Under U.S. law, once a debt has been written off and a creditor cancels the debt, the balance should not exceed the original credit limit. The reported balance is not only inaccurate but also misleading. 

Failure to Provide Form 1099-C : According to the IRS regulations under 26 U.S. Code 6050P, a creditor is required to issue a Form 1099-C to the debtor when a debt of {$600.00} or more is canceled or forgiven. To date, I have not received any such form from XXXXXXXX XXXX XXXX  This failure to comply with federal reporting requirements further questions the validity of the information being reported to Experian. 

Request for Action : Given these inaccuracies and regulatory non-compliance, I request the following : Immediate removal of this account from my credit report : The information provided by XXXXXXXX XXXX XXXXXXXX is inaccurate and does not adhere to the U.S. Code. 
Investigation of the reported information : Please initiate an investigation into this account, verifying the accuracy of the reported balance and ensuring that it complies with federal regulations. 

I expect this matter to be resolved promptly. Please notify me in writing of the outcome of your investigation and any actions taken. If you require additional information or documentation, do not hesitate to contact me. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX ( Account Number : XXXX )
Product: Mortgage

My former fiance ' and I refinanced with another company as of XX/XX/2020. Due to domestic issues, we can not have any contact with each other per current civil court proceedings. A check regarding escrow was issued XXXX 2020. As we can not have any contact and as we never had a joint bank account, the check can not be cashed by either party. I requested the check be reissued to the county for its intended purpose, which is to pay taxes on property. There has been no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX XXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with XXXX XXXX, XXXX, Equifax, and XXXX on multiple occasions. Disputes with credit reporting agency are not correcting the mistake.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting or other personal consumer reports

Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX OH XXXX Complaint Department Experian XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Equifax Credit Information Services , LLC XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute are also ( Identify item ( XXXX ) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This item is ( inaccurate or incomplete ) because ( describe what is inaccurate or incomplete and why ). I am requesting that the item be deleted ( or request another specific change ) to correct the information. 
Please reinvestigate this ( these ) matter ( s ) and ( delete or correct ) the disputed item ( s ) as soon as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Debt collection

My recent credit report is showing unverified unauthorized collections that I never had a chance to dispute. The collections are from XXXX XXXX XXXX, and XXXX XXXX XXXX. By law, I am old proper credit reporting according to the FCRA. I am requesting debt validation for these collections because I never receive written communication. 
And this debt validation I am asking for a detailed list of my history of payments on these accounts, The original contract with my signature agreeing to pay these creditors, Proof that you have a chain of Title to collect in this debt, also asking to see if there had been a Insurance Claim file on these account. Without providing proof, these accounts should be removed from XXXX, XXXX, and TransUnion immediately.
Product: Credit reporting or other personal consumer reports

I sent letters out in XX/XX/2023, XX/XX/2023, and sent more letters to the credit bureaus on XX/XX/2023 I am contacting you because of a on going problem with inaccurate information reporting to my credit report and its putting me in financial harm! I filed complaints with yall also and nothing happen, I am demanding these items be removed from my credit report ASAP!
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 and 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 for me and Ive had numerous financial losses. I would like seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file complaint to GM FINANCIAL for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXX XXXX  XXXX  XXXX  XXXX, TX XXXX. The FTC report numbers related to this complaint are XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and XXXX, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under XXXX XXXX XXXX, Section XXXX, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.
Product: Debt collection

Ally Financial is attempting to collect a debt and repossess a vehicle that they can not repossess according to the law. I have written several letters to them about this and they are not acknowledging federal law. I want them to cease and desist and respond accordingly to the letters that I have sent them. 

Ally has sent me letters repeating the same thing over and over and I have sent them all the information that they have requested. 

Ally Bank is threatening to repossess my vehicle and that is against the law. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have sent them two ( 2 ) letters with all the details that were required and the information that they asked for and they keep responding saying that " We are unable to conduct a reasonable investigation at this time because your letter does not specify what information Ally Financial is furnishing that you are disputing. '' This is untrue. I sent them everything. Why do they keep saying this?
Product: Credit card or prepaid card

I changed my number with XXXX and went from post paid to prepaid two months ago. Ever since then, I have not been able to access my account due not being to move past the verification stage due you my phone number now being prepaid. After two months of not being to see my account, I have had to use the automated system to make payment. I called in to capital one identity department today XX/XX/2020 to request my phone number be changed. The first agent hung up on me so I called back and asked for a supervisor. The agent transferred me to someone named XXXX who claimed to be a manager in the fraud department. After uploading my drivers license to the portal link he sent, XXXX tells me the back office that handles licenses will not be able to verify my ID between XXXX and XXXX EST. I asked was this some kind of joke and he replied and said no theres nothing he can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am submitting this complaint about the consumer reporting agency TRANSUNION. On XX/XX/2022, I sent a letter certified mail ( third attempt ) to TRANSUNION to validate or delete inaccurate accounts being reported on my consumer report. TRANSUNION responded with a false claim the accounts have been validated. TRANSUNION has yet to show proof or any contractual agreement to support the claim of the account being validated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX. XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I apply for Amex credit card were you get XXXX after spending {$2000.00}. Two days later they changed their promotion to if you spend {$2000.00} you get {$65000.00} sky miles. I called trying to get promotion but they said they couldn't do anything.