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

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, I have sent letters MONTHLY to Equifax as well as XXXX and no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX. XXXX XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. It has been several months now and this needs to be resolved. According to 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with Experian and XXXX XXXX XXXX XXXX XXXX. I let them know this account was not reporting accurately. According to the IRS when an account is charged off it is considered income, and according to the FCRA income can not be reported on your credit report. I received a 1099c ( CANCELLATION OF DEBT ) from XXXX in regard to the following charged off account. XXXX XXXX XXXX XXXX. XXXX XXXX southeast received a corresponding tax deduction for the uncollected amount associated with this charge off and I had to file the balance of {$3300.00} as income on my taxes! This account can no longer be reported to my credit report. This violates my rights per the FCRA, this is also tax fraud on XXXX 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five fruad accounts appearing on my credit repair please delete all accounts. 

XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$790.00} XXXX. XXXX XXXX XXXX {$670.00}
Product: Vehicle loan or lease

I'm having a problem with the loan I got in to and I think I'm in to a deep hole a sort of scam they got me into for not having a good credit score I was sweet talked into a " good deal '' according to them I was never advised about limitations on car return if I didn't like it on how much time I had to return it instead they made me sign sum papers on agreeing to  paying XXXX in a loan of XXXX car tag sale price. They give me another paper to sign and on this one I didn't notice at the bottom of the page that my total price was XXXX XXXX to pay them didn't even notice that because I was convinced that my payment was only going to be XXXX, what was verbally agreed on. it took me like 4 to 5 days to read the full contract since I was working 12 hours a day 6 days a week I didn't have much time to do anything I was in for a big ugly surprise when I reviewed the contract on the second page I came to find out that I  was in for a big set back saying that I had to pay XXXX total XXXX dollars monthly payments for 6 years and not the XXXX dollars a month for only 3 years as I tought I left it like this thinking to myself there's nothing I could do anymore what a big dissapointment no wonder the original woman sales person I was going to do the deal with got swaped by one of the more experienced salesman person I think he was a supervisor at this dealership so he just told me that I had no choice but to take the car that they picked for me i didnt wanted that car but they said I had no choice cause of my credit and i was very desperate for a car since I needed it for work so I got myself on this big deep hole that it seems I cant get out of its been 8 or 9months of payments of XXXX dollars a month i have paid to them and nothing changes on my loan it still says I owe them XXXX dollars so every time I pay its the same balance of XXXX I had text with them to send me the total I owe them thinking that they had probably had not refresh their data on the computer but not they told me that I owed those XXXX seems like a rip off and dishonesty on the dealers part and on the bank where I got my loan are ripping me off. In asking for your help please on what can I do on this bad dishonest loan I got into.
Product: Credit reporting or other personal consumer reports

I see this company on my credit report and its causing damage to me and my family members. I never opted in to have my information shared. 
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states\n '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC\n1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15\nUSC 1681C ( a ) ( 5 ) states '' Except as autorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX, submitted a dispute with ChexSystems, asking them to investigate and remove these accounts from my report. ( See accounts Below ) XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, VA XXXX Phone Number : XXXX Amount : {$300.00} XXXX XXXX XXXX  ; XXXX XXXXXXXX XXXX XXXX XXXX,, XXXX XXXX, TX XXXX Phone Number : XXXX Amount : {$530.00} XXXX XXXX XXXX  ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Amount : {$570.00} ChexSystems has refused to investigate this matter pursuant to the FCRA LAW. ChexSystems has failed to investigate my dispute violating the law and refuses the remove these unauthorized accounts, and after citing federal law, chooses to ignore and violate these laws : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 1028A ( c ) ( 8 ) Aggravated identity theft section 523 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) ( relating to obtaining customer information by false pretenses.

Should you decide to discriminate against me you will be in violation of 15 U.S.C. 1691 ( a ) ( 3 ) of the Equal opportunity Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about XXXX XXXX 's continued reporting of a fraudulent account on my credit report, despite my prior request to cease this activity. This account was opened without my consent as a result of a data breach, making me a victim of identity theft. Although the account was initially removed, XXXX XXXX continues to report it, which is not only illegal but also a violation of my rights under the Fair Credit Reporting Act. I demand that XXXX XXXX immediately stop reporting this account and that TransUnion ensures its permanent removal from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Product: Debt collection

Great Lakes is demanding that I pay them about XXXX in regards to a student " loan. '' Credit is my right. I am aware that I made a consumer credit transaction for the use of my personal purposes. The finance charges according to 15 U.S. Code 1605, is the sum of all charges and does not include paying money outside the charge. 
I am the original creditor and do not owe Great Lakes any money, I never gave them written consent to contact me in regards to the alleged debt, They owe me for falsely representing my account, adding interest to the " loan '' and sending incorrect billing statements..
Product: Credit reporting or other personal consumer reports

Based on, 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 4 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! Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN GDIR CEO XXXX  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 rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is incorrectly reporting information to XXXX, XXXX  and XXXX. They are reporting to XXXX  that the open date on an account is XX/XX/XXXX and reporting to XXXX and XXXX  that the open date is XX/XX/XXXX. I've disputed this account with all 3 bureaus since XX/XX/XXXX and they always report that the information is verified and accurate. How can it be verified with different account open dates? 

I have asked all three bureaus : XXXX, XXXX and XXXX  to provide me with a copy of an original contract with my signature to prove I indeed have an debt with Wells Fargo and that the information they are reporting is accurate. Neither of these companies ever sent me any proof or documentation to verify what they are reporting was accurate which is a FCRA violation of my consumer rights. 

The company has also listed this account on my credit report as a charge off but still reporting the account late each month and further damaging my credit history and preventing me from being able to obtain credit and start my business, purchase a car or buy a home. If the account is charged off, its already a derogatory remark on my file and should not continue to be reported as a charge off and late on my credit report each month. That is a FCRA violation and I demand this account be deleted immediately from all three bureaus and levy any fines deemed appropriate against this company under FCRA and FTC guidelines.
Product: Money transfer, virtual currency, or money service

I have had tjis transaction problem with cash app and its reps since XX/XX/2023 my sister inlaw had sent me money in the amount of XXXX dollars to my cash app so i could use my debit card with them for the purchase of a washer and dryer at XXXXXXXX XXXX XXXX XXXX  illinois which in the process of the purchase there was a glich ither with the internet there our the card and app anyhow the purchase did not go through on there end and the money now somehow is just gone cash app staits it was recieved by XXXX  which my app said as well well long story short the washer and dryer did not get purchased and we had to leave without the money as well do to XXXX  checking thier system for my card and for the money to see it didnt go through i then had the mannager give me co tact info to them and thier financial department she did so with no problems i then contacted cash app creating a dispute in the app as i couldebt call because they was closed for the weekend come monday i reached out to cash app about dispute and my problem they then denied the dispute so i contacted XXXX XXXX XXXX financial rep once again when in process of this she had looked for transaction details and not one thing found for the card purchase or the money being rendered bye thier system as i explained to them the issue i was having with cash app the rep had complied and subbmited a letterhead of thier summary staiting thet i had not recieved money from them for purchase refund nore thet any products was rendered bye me along with thier contact info name and personal number and email addres as well for them incase they had any descrepiencies again after starting another dispute for this issue even though i had done all this getting documantation for the problem they still denied my dispute for the XXXX dollars i continude to submit these disputes till this date for this calling and explaining all the problem and even did what theyrecomended on thier own site to reach out toXXXX and ask directly for refund as i did on the app and submited a refund to them as i have proff it was to be refunded vye them cash app stoped the refund and closed my account with them all for following thier site critieria as i have called asking why they stoped the refund back to me and why my account was closed they responded they could not tell me as then i asked for a XXXX they staited they was all bussyas i asked for a corperate office number they didnt have XXXX and was rudley hung up on there is no way of getting ahould of anyone but tier help reps which ither bye email or phone call you get the same thing i am at ends with this issue its not like it was XXXX dollars are something but i have gotten no where with cash app they have not called the rep fir XXXX XXXX nor would they take any info when they themselfs tried to help me resolve this bye calling in too cash app and got the runaround as well so here i am i have all documintation still for all this and this is step XXXX in my ongoing problem to be resolved hopefully i am taking other steps to this as well for a hope thet this gets resolved.
Product: Student loan

XX/XX/XXXX, I reviewed my Mohela Account to see that Next Payment that my Total Amount Due : {$120.00} and my Next Payment XXXX and the Current Amount Due {$120.00}. Past Due Amount : {$0.00}. I sent message after message to Mohela and they either do not respond or send a generic message. It is very difficult to speak with a representative. I am left on hold for hours at a time and no one every answer the telephone. I need someone from this company to respond to my messages or call me directly. Since, XX/XX/XXXX I have called Mohela multiple times to request that my due date be changed to the XXXX of the month. Each representative states that the request has been submitted. As of today, my Next Payment Due Date still shows as XX/XX/XXXX. 
Lastly, XX/XX/XXXX, while in forced mandatory forbearance, I made a payment of {$83.00}. I asked that that payment be applied to this month 's payment ( XX/XX/XXXX ). As of today, that payment has not been applied to this month 's payment due amount. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : Unauthorized Accounts XXXX. XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiries 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 XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Product: Credit reporting or other personal consumer reports

Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report in order to prevent further fraudulent activity of my information. Thank you and have a good day.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX of 2020, I received a notice from a website I use called XXXX that a new account had been opened in my name. It was a XXXX XXXX account, which immediately I knew to be fraudulent, as I have not set foot in one for over 2 years. I immediately contacted the credit company to let them know about the fraudulent account, and did what I could to freeze my credit report to prevent further fraud. I was not informed that I would also need to file a police report and notice with the FTC about the stolen identity, and as this was my first time, I was completely unaware of how to do so. Once I took that action, I waited to hear back. The XXXX and XXXX XXXX people reviewed my account and decided I was lying, so they reopened the account. I then contacted Equifax and XXXX  to get them to remove the account from my credit report as it was fraudulent. XXXX  did it no problem. Equifax refused to do so and continues to refuse to do so, and also refused to provide any insight as to what I can do to fix this fraudulent account on my report as they think I'm lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN Fraud Department : Remove fraudulent accounts from my credit report