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

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the cooperation of the Experian Credit Bureau for removing all but XXXX remaining fraudulent inquiry. But I can't say the same with XXXX and XXXX Credit Bureaus. While the XXXX XXXX have removed all the previous fraudulent inquiries, these specified inquiries here were unattended, and it gives me concern that they have stopped their responsibility in mainitaining my XXXX credit report clean, so I am requesting that the bureau itself provide me a written reason WHY I haven't seen any deletion after the first good one? And the MOST concerning issue was with XXXX, WHAT WAS HAPPENING with the bureau that it neglected its obligation to my XXXX Credit report? This was unbecoming of the bureau in its entirety itself. Kindly please make sure the XXXX Credit Bureaus, especially the XXXX and XXXX to remove these fraudulent inquiries, to fix my credit reports fraudulent issues : EXPERIAN 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the presence of multiple XXXX on my credit report. Despite my repeated requests for their removal, these entries persist, significantly impacting my creditworthiness and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiry 1 inquiry from XXXX reporting to my TransUnion report and i I have 2 inquiries from XXXX reporting to my XXXX and 1 inquiry from XXXX   XXXX/XXXX. i believe these company are in violation of my consumer right as i have never done business with them before. Please verify the accuracy of these data being furnished to my report and please remove them as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX  and CFPB, I am writing to formally dispute the inaccurate, outdated, and misleading information associated with my credit report regarding the account listed by XXXX XXXX. This account contains numerous discrepancies that not only misrepresent my financial history but also jeopardize my credit health and overall quality of life. 

The following inaccuracies have been identified in the report : 1. **Unverified Information** : The report indicates a " Balance Owed '' of {$500.00}, with the " Last Verified '' date marked as " - ''. This lack of verification raises serious concerns about the legitimacy of this account. Under 15 USC 1681e ( b ), I am entitled to have accurate information reported, and it is clear that this account fails to meet that standard.

2. **Outdated Activity Dates** : The " Date of Last Activity '' is listed as XX/XX/XXXX, yet the " Date Reported '' is XX/XX/XXXX. This discrepancy implies that the information being reported is not current and reflects poorly on my credit history. Such inaccuracies can lead to unjust penalties on my credit score and may hinder my ability to secure loans or favorable interest rates.

3. **Misleading Account Status** : The report states that the " Account Status '' is " Open '' with a " Payment Status '' of " Late 120 Days. '' This misleading information suggests that I am not maintaining my financial obligations, which is simply untrue. Additionally, the " Dispute Status '' indicates that this account is under investigation, yet every time I have reached out to Equifax regarding this matter, the account remains marked as " being verified. '' This ongoing ambiguity creates a negative impact on my credit health and personal finances.

4. **Consumer Rights Violations** : The inaccuracies present in this report violate my rights under 15 USC 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, 15 USC 1681i mandates that consumers have the right to dispute inaccuracies in their reports and to have them corrected in a timely manner. 

The ongoing presence of this inaccurate and misleading information on my credit report has a profound impact on my life. It limits my access to credit, increases my financial burdens, and causes undue stress and anxiety regarding my financial future. I have made numerous attempts to resolve this issue with Equifax, yet their investigations have yielded no resolution, leaving me in a state of uncertainty and frustration. 

Given the severity of these issues, I respectfully request that XXXX XXXX immediately conduct a thorough investigation into this account and take corrective action to ensure that my credit report accurately reflects my financial history. I expect the necessary updates to my account to be completed promptly, as my financial well-being depends on it. 

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

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

I was given a XXXX XXXX XXXX and i was knocked out. While unconscious, someone used my phone and transferred money out of my cash app to their cash app. Im not sure how they got into my phone other than the facial recognition when I was passed out.. held the phone up to my face to unlock phone? But theres no way. this has never never never happened before. I reached out to cashapp to file a claim and they denied it and sent me the information they used For there review and determination and it was a piece of paper saying that the transfers went through and authorized. But there is no proof, and theyre not wanting to look it and investigate further. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 an inquiry was shown on my credit profile by Experian XXXX XXXX on my Experian Credit Profile. I did not provide permission to anyone to pull my credit profile. This transaction is fraud. I have requested the inquiry to be removed from Experian immediately.
Product: Credit reporting or other personal consumer reports

Recently a new account appeared on my credit report under MOHELA/DEPT OF ED. I have never had student loans in my life, so the loan has been fraudulently tied to my personal credit health. The Accounts look to be opened on XX/XX/XXXX and are in good payment standing. There are currently three loans tied to my SSN, one of which was added as recently as XXXX XXXX as that was the last time I checked my credit health and at that time there were two loans opened under MOHELA/DEPT OF ED. The current outstanding loan balance is and as of XXXX. The total loan amounts are : {$6100.00} ; {$6000.00} ; {$3500.00}. I've disputed this claim with XXXX XXXX as of XX/XX/XXXX and today XX/XX/XXXX with XXXX and will continue with the other credit monitoring services today. I will also be filing an FTC report and police report. Please resolve this error asap.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. 
The CFPBs findings indicate Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a over the XX/XX/XXXXI am paying on a loan from Paramount Capital. They reported that my payment is 30 days late which is a lie. I paid the minimum full amount of {$420.00}. Ive been making on time payments with for the last 3 years. They destroyed my credit my report of 12 years of building it. I did talk to them and they will not do anything to fix it. This not fair. It happened on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. l went home to check my credit report and found some items that are not mine listed as inquiries. These items need to be deleted 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

on XXXX i sent transunion dispute letter to validate this alleged debt XXXX XXXX XXXX  XXXX XXXX XXXX and to prove ownership that this account really belongs to me. To this day they never sent me proof of this alleged debt. I am extremely stressed that Transunion is reporting unverifiable, invalidated account on my credit report. imma sue them, i cant deal with this XXXX.They are in violation under 15 U.S.C section 1692g, i was never notified of this in writing 5 days prior. I do not validate this debt. I REPEAT, I DO NOT VALIDATE this debt. They are also in violation under 15 U.S.C 1681b, i never gave any written consent to report this account on my credit report. NO CONSENT IS IDENTITY THEFT!!!
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor, XXXX XXXX XXXX, has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently opened 4 XXXX XXXX credit cards in my name that I just recently found out about and have been in contact with XXXX XXXX to dispute it, to have the fraudulent credit accounts removed from my credit and they refuse to remove the fraudulent accounts and are holding me liable for the balances on them when I never opened the accounts to begin with. I am not liable for opening the accounts or the charges associated with them and need the 4 accounts all removed within the next 15 days. XXXX XXXX is claiming they completed their investigation and found no fraudulent activity when there was in fact fraud perpetrated in my name.
Product: Credit card

cant ake any more scripts. i asked for a XXXX time good will credit since i am a GOOD customer and get nothing from this card never mind i need it and deserve it i am put on hold told no. its pure greed and without loyalty i cant be loyal either that is business i wias put on hold and still declined what a message. i will stick with XXXX who gives good will crediits to me ona regular basis since i am valued ther efor all the times i cant understand the person due to their XXXX and am put on hold for no reason. i am enraged GREED XXXX credit of XXXX dollars will not kill you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached all the dispute letters I tried mailing them. I want this false information removed as soon as possible as is stopping me from getting a loan from my bank. and
Product: Checking or savings account

I participated in a house auction named XXXX, XXXX and since I didnt get the house that I wanted they sent me a check, when I recieved the check I did a mobile deposit though my Wells Fargo bank XXXX I know the bank takes a few days to deposit it in my account through the mobile. I left the check in my car by mistake and since I do XXXX someone stole the check because the bank called me that they couldnt deposit it because someone physically deposited it on XX/XX/XXXX XXXX  through XXXX XXXXXXXX bank. I dont have a XXXX XXXX bank account and the person who stole it was able to cash it because I had already signed it to do the mobile deposit.
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. 

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 a 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 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, credit repair services, or other personal consumer reports

I have called in several times, explaining that I have been targeted with fraud activity on my credit report. I got email alerts that my social security number has been found on the dark web, and I've had to shut down one of my credit cards several times because of unknown charges. I called equifax several times explaining to them that the inquiries were not authorized. I was under the understanding that if there's incorrect reporting of any kind on a persons credit report and unauthorized findings, they must investigate and remove. Investigating does not mean calling in to a company and getting a yes to their questions. A thorough investigation would require where the inquiry was made ( city, state, etc. ) whether or not I was contacted to verify that that was me, etc. I asked them to delete the inquiries, and they refuse because they say that it was me, even though I have been going through fraud issues and I've sent numerous letters, which they have ignored. 

The inquiries that are fraud are XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX services XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax & XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Vehicle loan or lease

Sent notarized Conditional Acceptance letter on XX/XX/2022, Via Certified Mail That was delivered on XX/XX/2022, at XXXX am Requesting proof they have exemptions to Ucc codes ( Which they are now violating ), asked for other multiple documents, tax documents, and proofs of accounting. Multiple attempts to resolve this account have been made and they continue to either not respond with requested materials or refuse to acknowledge remedies. They were given 10 Days to respond and have even been contacted by phone on XX/XX/XXXX to find out why I have received no response for what I have asked was Was told by agent that note on account XX/XX/2022 that " them sending me anything wouldn't change the amount due on account or the fact that they have contract '' all though that has nothing to do which the fact that i requested information and that's not what i asked. They have fallen outside of allotted time frame to Perform per notice. No attempt has been made to correct the errors or provide the requested information, nor request for additional time to do so. Note that respondent has also been sent copy B of a 1099A months ago. It was requested that they respond in writing. By refusal to respond and inability to prove the claims that i stated in my notice they have agreed with the facts and agree that there is no debt as informed in the notice. They have still not corrected the accounting to reflect such. Further violation on my consumer rights and violation of Uniform commercial codes will lead to additional reporting to the proper Regulators.
Product: Checking or savings account

On XX/XX/year>, I made XXXX mobile check deposits to my Penfed checking account. Although all XXXX checks were cashed by Penfed, only XXXX deposits showed up on my account for this date. I informed Penfed of this issue and was given at least two different case numbers tracking the issue, case XXXX and XXXX. After many months of back and forth Penfed said they would only help me if I mailed the physical check to them in the mail. I told them this was be a problem, as they already cashed the check and simply did not reflect it in my bank account balance, and it would cause the check to be deposited again and bounce. They assured me that this would not be the case, as they were tracking the issue. I mailed them the check as requested, and sure enough the check was deposited again into my account, and then bounced and the money deducted. I called and emailed Penfed, asking them to fix the issue now that they had the physical check in hand. They then refused to credit the money back into my bank account, saying the check had already been cashed in XXXX... The level of ineptitude is quite maddening, as of course the check had already been cashed, we knew that all along! The issue is simply that due to an error in their system, the money was never credited into my account- as is shown quite clearly by the fact that on XX/XX/XXXX, there are check images for XXXX deposits, but only XXXX line items for deposits into my account on that date. Now Penfed has charged my account fees and is telling me my account is overdrawn. They also proceeded to close my checking account without authorization due to these issues, which is in violation of numerous federal regulations. I demand my missing {$1000.00} to be returned into my account immediately, along with all fees, and my checking account reopened.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an account ( XXXX ) being reported by Consumer Adjustment Co that is inaccurate, unverifiable, and must be removed from my credit report. The original creditor, XXXXXXXX XXXX XXXX, could not verify the information being furnished, and Consumer Adjustment Co has failed to validate this debt as required under the FDCPA. Additionally, Consumer Adjustment Co is not registered to transact business in Texas, and their registration has been forfeited, as has the registration of XXXX XXXX XXXX. I have attached proof of these claims for reference. Furthermore, Consumer Adjustment Co has not sent any correspondence regarding this account, violating several FCRA and FDCPA regulations. My personal information was compromised in multiple data breaches, and I am not responsible for this alleged debt. I demand the immediate removal of this account, as its continued reporting is harmful and unlawful. If this account is not removed within 30 days, I will pursue litigation for statutory damages of up to {$1000.00} per violation.