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

I am writing to formally dispute inaccuracies on my credit report. The following account contains errors that I would like investigated and corrected : Creditor Name : XXXX XXXX XXXXXXXX XXXX  XXXX. Charge-off reporting incorrect dates 2. Incorrect balance after charge-off 3. Continuous charge-off reporting past original date 4. Account should no longer be reporting as charged-off The account in question was charged off in XX/XX/XXXX as indicated in the report, yet it continues to show monthly charge-offs throughout XXXX and XXXX. This is incorrect and negatively impacts my credit score. According to the Fair Credit Reporting Act ( FCRA ), an account should not be repeatedly reported as a fresh charge-off each month after the initial charge-off date. 

Additionally, the account still lists an outstanding balance of {$610.00}, which may not be accurate if the debt was sold or transferred to a collections agency. If the balance was paid or settled, or if the debt was sold, the balance should reflect {$0.00} under the original creditor.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., creditors and furnishers of information have a legal obligation to ensure the accuracy of the information they report to consumer reporting agencies. As part of my legal settlement with XXXX, they were obligated to remove all derogatory entries related to this matter from my credit report. However, despite this agreement, XXXX has failed to fulfill their duty, and these inaccurate and misleading entries remain on my credit report. 

This failure constitutes a violation of the FCRA, specifically Section 1681s-2 ( a ), which requires furnishers to provide accurate information, and potentially Section 1681s-2 ( b ), which outlines their duty to investigate and correct disputed information upon notification. 

Their noncompliance has not only breached the terms of our agreement but has also caused ongoing damage to my credit standing, in violation of my rights under federal law.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with NISSAN XXXX XXXX ON XX/XX/2021. A consumer credit transaction in which a finance charge was involved. Title 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but NISSAN XXXX XXXXXXXX took cash. The finance charge is suppose to include insurance and NISSAN XXXX  XXXX made me purchase/include insurance separately
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 applied for a loan. After receiving the stipulations for the loan via email I sent a message stating I know longer wanted the loan approximately 1 hour after. I called them and sent multiple emails requesting not to put the loan in my account. Spoke with someone on the line they took all the information. On XX/XX/XXXX the loan was put in my account. OnXX/XX/XXXXI  have tried numerous times to send this money back. I had 24 hours to cancel loan the message came in at XXXX XXXX  XX/XX/XXXX I responded at XXXX XX/XX/XXXX I didn't want this loan and to cancel
Product: Credit card

Received numerous calls from an Individual claiming to work for the credit bureau of Experian. Had a lot of my personal information, credit card numbers etc. full ssn number.

Asked why he was calling stated that he had someone trying to open an account in my name and ssn in Texas. 
Claims his name is XXXX XXXX employee ID is XXXX, phone number of XXXX. 
Continues to call asking me to verify other credit cards. 
How should I handle this? 
Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information that has been reported on all 3 of my credit reports. The information in question is in violation of the Fair Credit Reporting Act ( 15 USC 1681b ) and the Identity Theft and Assumption Deterrence Act ( 18 USC 1028a ). 


I recently obtained a copy of my credit reports from XXXX, XXXX and Equifax and discovered that there are items listed that do not pertain to me or are misrepresented. These inaccuracies are damaging my creditworthiness and financial reputation, and I believe they may be the result of identity theft or fraudulent activity. 

Specifically, the following items are incorrect : 1. XXXX XXXX account # XXXX ( wrong dates ) 2. XXXX XXXX- account # XXXX ( wrong dates ) XXXX. XXXX XXXX account # XXXX ( wrong dates ) I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to take measures to prevent further dissemination of this false information and to hold accountable any parties responsible for its inclusion on my credit report. 

Additionally, I am writing to formally request validation of each alleged debt they are attempting to collect.Pursuant to the FDCPA, I am entitled to request validation of these debts, including but not limited to : 1. Verification of the amount owed.

2. Proof that they are licensed to collect debts in my state.

3. Documentation showing that they are the legal assignee of the debt. 
4. A copy of the original agreements with my signature, validating that I am legally obligated to pay these debts.

5. Details of the original creditors, including contact information.

Under the FCRA, credit reporting agencies are required to report accurate information on a consumer 's report, also conduct a reasonable investigation of items on a consumer 's credit report. They must promptly delete these inaccurate items from my credit report. Outlined in Section 1681i of the FCRA. 

With this letter are copies of documents supporting my claim. 

Please keep me informed of the progress of your investigation and any actions taken to resolve this matter. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take swift action to address these inaccuracies and restore the integrity of my credit report.
Product: Money transfer, virtual currency, or money service

When using the app XX/XX/2020 I was preparing to send a payment to an individual. They requested it from me for services. This was prior to the service starting. I was being nice in sending the money prior to the start. The person in question ran off with my money. Blocked my communication and refused to send the funds back. I tried to cancel the payment less than 30 minutes prior to sending the funds. But there was no option to cancel the payment. No option to do anything. ( except ask for a " refund '' of the payment ) I could not even find any useful documentation on contacting cashapp to resolve my issue. So I requested a refund from the individual, sent an email to the company, and have tried to do everything to get this resolved without any communication from either party. 

Beware when sending funds on cashapp because there is ZERO options to cancel the payment, freeze funds, or report an individual. This is a scammers haven and this person has knowingly stolen from at least 3 other individuals ( see attached ) If you make a mistake then that person that just got your funds is very lucky. Because there is nothing you can do, and customer service is a non-existent thing with this terrible company. 

CashAPP, Currently this is an easy way for scammers to take advantage of people online. BEWARE BEWARE BEWARE!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey this is XXXX XXXX my date of birth is XX/XX/1982 and I'm submitting this complaint myself and there is no third party involved. I'm writing this complaint based on the bureaus failing to respond to my letters. I have been trying to get in contact with Transunion for the past 45 days and I have not received not a single response for the past 45 days. Please respond to my letters.
Product: Vehicle loan or lease

I was provided a lease from XXXX XXXX for my XXXX XXXX. My car lease was paid-off early, over 2- years ago. I used typical auto financing to pay-off XXXX XXXX I now know that there were three companies involved with my lease transaction : : XXXX XXXX, XXXX XXXX XXXX Wells Fargo. Letters are attached from XXXX XXXX to verify lease the pay-off. Unfortunately, Wells Fargo was involved with the lease transaction and remains on title. now the lease was paid-off close to three years ago. being paid-off. I never had any direct contact with Wells Fargo. XXXX XXXX accepted all my lease payments and XXXX XXXX provided me with the pay-off .The state of Illinois informed me that Wells Fargo was associated with the lease and is still listed as a lien holder on title. The lease was paid-off with funds obtained from XXXX XXXX XXXX and I refinanced my car loan with XXXX XXXX who now has my loan. Communication with XXXX, XXXX XXXX XXXX XXXX XXXX of Illinois has confirmed that my release was never properly processed by the three related companies XXXX XXXX, XXXX XXXX XXXX Wells Fargo. A letter provided from XXXX XXXX does not appear to be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing complaints for 5 years on Experian for giving out my personal inform and credit report. I am frustrated. So I have been trying to call Experian. That is a waste of time and life. Experian is geared to maximize profit and do as little as possible. Experian did not have permissible permission to give my report to XXXX XXXX XXXX XXXX. But all Experian does is to pass the buck to XXXX who then claims duplicate complaint. So after 5 years of Experian unlawfully releasing my credit report without my permission, nothing never gets accomplished.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I am writing to you regarding a debt collection entry that I recently noticed on my credit report. The debt is listed under Credence Resource Manage, but I do not recall incurring this debt. 

Furthermore, upon conducting my own research, I discovered that this agency does not appear to be licensed to collect debt in the state of Florida. This raises concerns about the legitimacy of this debt. 

In light of these circumstances, I kindly request that you provide validation of this debt. Specifically, I would like to see the original contract for this debt and the date it was incurred. This information is crucial for me to verify the debt and ensure everything is in order. 

I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 someone fraudulently applied for a XXXX  XXXX credit card. I reached out to XXXX  XXXX and they stated I should submit a dispute to the credit bureau in order to have the inquiry removed. I submitted a dispute with all 3 bureaus. XXXX has completed 2 disputes and will not delete the inquiry. If they do the proper investigation they will be able to receive the information to verify in fraudulent inquiry from XXXX  XXXX. Transunion has not opened a dispute or responded to any request.
Product: Credit reporting or other personal consumer reports

My credit score went down XXXX points because of a new account was opened under my ssn that I have no idea about. Its from XXXX XXXX  and XXXX for XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  inc has listed collection accounts on my credit report.  XXXX  has not provided me with service details.  XXXX  inc is not licensed in the state of Florida to collect on debt.
Product: Credit reporting or other personal consumer reports

I'm writing to express my concerns on a couple issues I've encountered with the credit bureau. False account listings, numerous illegal inquiries, inaccurate credit reporting, inconsistent billing, and accounts that are not mine are some of these issues. 

In order for me to be financially secure, I need assistance in solving these issues. Please investigate my problem and let me know what steps to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Equifax to bring to their attention inaccuracies in my consumer report that are damaging. These negative and damaging information has caused me so much anxiety and many lost opportunities to apply for credit cards, buy a car or apply for a mortgage. 
I'm requesting a reinvestigation into ALL the accounts mentioned in sent letter. As a consumer, I am exercising my right to dispute this information. According to the FCRA 15 USC 1681 e ( b ) and 15 USC 1681 i ( a ) 1 ( A ).
Product: Vehicle loan or lease

Santander is so AWFUL! I have contacted them many times to send me a pay-out of all my payments that I have paid since I had this car. I got the car in  XXXX  and still owe  XXXX  dollars, my total in the beginning was  XXXX . This is for a  XXXX   XXXX  ( I needed a car and had to do it ) But It seems like every time I pay my balance stay the same. My Maturity is  XXXX  now but when I got the car it was  XXXX . Every time I ask them break it down to me they claim someone will call be back, or they place me on hold and hang up on me.
Product: Debt collection

Debt is from XX/XX/XXXX and I didn't receive notice or summons until XXXX or XX/XX/XXXX. The statute of Limitations has expired for this debt. They say the debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting that I committed fraud to credit reporting agencies when in fact my card was stolen and I called them regarding this matter when it first took place. I have not seen clear evidence such as video footage or any supporting physical evidence to tie me to this matter. Someone stole my debit card and tried depositing a fake check I called BOA and they still put as suspected fraud. I even sent them a letter stating Ill pay the balance to have this removed and I never got feedback. This is causing me to be debt and its embarrassing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse items 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: Mortgage

This is my second Consumer Financial Protection Bureau ( CFPB ) complaint against First Home Mortgage, relating to an ongoing issue with my COVID Loss Mitigation application. The saga began in XX/XX/ when I first requested the application, but it was not until XX/XX/2023 that I received and submitted it. The application was accepted for processing on XX/XX/2023, and I was told to expect a decision within 30 days. Concurrently, I was advised to apply for the Maryland Homeowner 's Assistance Fund ( MHAF ), which approved up to {$40000.00} in funding for me on XX/XX/2023. To facilitate this, I made a payment of {$3200.00} to First Home Mortgage on XX/XX/2023, as advised by their representative. 

However, the process was disrupted when MHAF required an updated mortgage statement from First Home Mortgage. Despite multiple requests from MHAF and my Veteran 's Affairs Technician, the lender failed to provide this document, leading to MHAF denying my assistance application on XX/XX/2023. I have filed an appeal against this decision, as the denial was not due to any fault of mine. 

The last communication I received from First Home Mortgage was on XX/XX/2023, merely stating that my application was under review. My VA Technician 's request for an update, sent on XX/XX/2023, has been met with silence. This ongoing delay and the lender 's unresponsiveness are not only hindering my financial assistance efforts but also negatively impacting my federal security clearance and my credit report. The lender 's lack of communication and action is exacerbating these issues, leading to increased hardship and uncertainty about my financial future.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and another personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card or prepaid card

I was told by discover that because they did not receive personnel information even though I showed them I sent them the information on there XXXX there was XXXX balance and now the credit report agency is holding it against me because I was told by discover because I was in the hospital and they did not receive they can not do nothing but hold this against me I think this is unfair when the card had a XXXX balance and I tried to explain it its discriminating an individual
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX - XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$620.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE 3RD TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters online and through the mail. I started mailing out letters to the credit bureaus and tracking. I have sent several letters but on XX/XX/2021 I requested a re-investigation and I also asked for verification and how they verified the information on my report. Each time they sent me an electronic response about how they verify but it's an automated message and they are all the same. I sent another letter in XX/XX/XXXX and XX/XX/XXXX. They send me an electronic reply shortly after I mail the letters but don't address any of the items that aren't accurate. I have single accounts showing 23+ charge-offs for the same account. How can one account be charged off 25 times? There are several like that. The balances are not accurate. Some items are missing information. They aren't doing a thorough investigation. I have asked them to prove how they verified the information being reported and they just keep sending me computer-generated emails or they say the account is verified or updated. However, the information is still wrong. I have sent letters to the creditors as well. My first letters went out in XXXX and again in XXXX.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for the last year. The accounts are errors. 

XXXX XXXX XXXX opened XX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX {$15000.00}
Product: Credit card

On XX/XX/XXXX, I called Comenity Bank who is the card issuer of the Bread Cashback credit card, to dispute a charge on my account for dissatisfaction of the goods or services provided. The bank is refusing to submit a dispute because of my reason for disputing. They told me to take it up with the merchant. I have already done that and the merchant refuses to work with me or provide refund, which is why I am wanting to dispute the charge. The bank is refusing to submit the dispute.