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

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

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

After Multiple Disputes TransUnion refuses to update my name from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because the name on file is missing the second letter I between the V and A. attach I am providing a recent Gas Bill with My name on it to prove my case. thx
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$5900.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : - XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : - XXXX & XXXX ( XXXX Creditor XXXX XXXX  ) XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00} XXXX  XXXX Balance : {$7600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Checking or savings account

In XX/XX/XXXX I had noticed a multiple fraudulent charges in my account with the merchant XXXX. I contact Chime to dispute and upon speaking with the agent there were charges steaming all the was to XX/XX/XXXX. The total of the dispute was over {$1300.00} in my checking and around {$350.00} from Chime secured credit card. My dispute was denied and the only info I was given to investigate was the intake form from when I made the initial claim. I even went as far as contacting the merchant and had a email thread explaining that was not my XXXX account and the last payment that was made in my account was in XX/XX/XXXX. When I went to appeal the denial I was asked by Chime why did I wait so long to dispute the charges? I responded that the charges went unnoticed because the amounts were very small and I must have not noticed them. I was denied again. I got more evidence that proved that the charges were fraudulent and all four of those appeals were denied, and I never received any documentation that was used to justify the decision.
Product: Credit card or prepaid card

Since XX/XX/2018 I have been in contact with customer service from Capital One regarding my 0 % Introductory APR for my Venture credit card. Even though this was promised I never got the this offer. Thus far until yesterday, XX/XX/XXXX, I have tried a total of 5 times to resolve this issue but have been denied my request due to insufficient documentation. All document in my possession, including the proof this as offered to my was sent to the company. According to them they never received my first correspondence that included the original welcome letter which stated the 0 % Introductory APR. When asked to reprint the welcome letter, which includes the 0 % Introductory APR, the supervisor said they only print it once and to her knowledge she had no idea why the company does this nor they keep these kind of records. She suggested that thus far I have not further disputable rights and the next step would be to dispute this at a corporative level. No further information was provided to resolve this issue. 

Please let me know what could be my next steps. 

Thank you!
Product: Checking or savings account

See ATTACHED reponse from me on the matter below ase number : XXXX Account number ending in : XXXX Dear XXXX XXXX XXXX : Thank you for your patience while we looked into your concerns. Weve completed our research and are ready to share our findings. 

Upon receipt of your inquiry, the Consumer and Small Business Executive Office also reviewed this dispute. While it is disappointing to learn that you may have been the victim of a fraud scheme, we agree with the decision previously communicated to you by our Claims Assistance Center. Because the transaction was made by you we are not able to follow up with the merchant on your behalf. We recommend you contact the merchant directly to resolve the issue.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not do any investigation into this matter they just forwarded the dispute to the creditors and ignored my identiy theft package and the fact that I am a Identity theft victim these account should have been blocked. At this point I have no choice but to file a law suit against Equifax because there treating this matter like it is a frivolous dispute. and just taking the electronic pdate from the that informationis true and accurate. FCRA states in section 605B that 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 by such agency of ( 1 )  appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any  transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 )  that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
and Ihave send in a complete Identiy Theft package on number of occasions.only to have it ingnored
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have complained 2 times through the Consumer Financial Protection Bureau that I have disputed and re quested debt validation from ARS for a collection they have placed on my credit report that should be deleted. On XXXX ( CFPB XXXX ) I requested debt validation and ARS responded that they could not located the account. I re requested validation on XXXX ( CFPB XXXX ) and ARS stated they were requesting documentation from the original creditor to stall again. ARS is not in compliance with FDCPA 809 ( a ) ( 3 ) ( 4 ) ( 5 ) and 809 ( b ) are in violation of this law they do not have debt validation on this amount that they claim.

They have denied me access to information purposely and should cease collection until further debt is verified and ARS has not been able to do. The initial debt verification request was XXXX and it was denied- there should not be a need to request verification for documents that should be available by now- Please explain how this account was not able to be located. I also would like copies of all documentation mailed out on this account
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>2024, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding XXXX  XXXX XXXX, which is reporting inaccurate information on my credit reports. The reported balance owed is higher than the actual amount, payments made are not accurately reflected, and there are significant inconsistencies in the account information. Despite my efforts to dispute these discrepancies, XXXX  XXXX XXXX has failed to verify the debt and provide accurate updates. This is a clear violation of my rights under federal law, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : Inaccurate Balance Owed : The balance reported on my credit report is higher than the actual amount I owe. There is a clear discrepancy between the reported balance and the actual amount that I have documented. 
Incorrect Payments Made : The payments I have made towards this account are either not reflected or are inaccurately reported. This misrepresentation has caused unnecessary damage to my credit. 
Failure to Verify Debt : I have disputed this debt with XXXX  XXXX XXXX, providing documentation to show the errors. However, they have failed to investigate and correct the inaccuracies on my credit report. 
Violations : Failure to Investigate and Correct : XXXX  XXXX XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to verify and correct the inaccurate information on my credit report after I disputed the account. 
Inaccurate Reporting : The inaccurate balance, incorrect payment history, and inconsistencies in the reported information violate the Fair Debt Collection Practices Act ( FDCPA ) by providing false or misleading information to the credit bureaus. 
Damage to Credit : Due to the inaccuracies in this account reporting, my credit score has been negatively impacted, despite my efforts to resolve the issue. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following : The inaccuracies in the reporting of my XXXX  XXXX XXXX account {$13000.00}, including the incorrect balance owed and payment history. 
The failure of XXXX  XXXX XXXX to verify and correct the debt after I disputed it with the credit reporting agencies. 
The violation of federal laws related to credit reporting and debt collection practices. 
Appropriate action to ensure this account is corrected or removed from my credit report if the discrepancies can not be validated. 
I have supporting documentation available, including credit reports showing the discrepancies, proof of payments, and correspondence related to my disputes. Please let me know if you require any further information. 

I appreciate your prompt attention to this matter and look forward to a resolution
Product: Credit reporting or other personal consumer reports

The companies ' information and dates have been mistakenly associated with my identity. Please refer to the included report and this complaint for clarification on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Vehicle loan or lease

We sent a payoff loan check # XXXX and mailed the check at the end of XXXX and it was never applied to the loan. Now the company is saying we are two payments behind. The company is trying to charge us late payment fees. The company has reported late payments to the credit report companies in spite of being advised of the payoff check and amount of the check. The representatives have been rude and not helpful at all. I think this was intentional of the company because this company is known for being dishonest. They charge hidden fees to receive payments, which we were unaware of when we accepted the loan terms. I think the reason this company wanted to give us this loan was to buy and sell our personal info. This company has been harassing us nonstop almost immediately.
Product: Credit card

I went to VyStar Credit Union and got a cash secured credit card around 2020 to repair my credit The cash secured amount was {$500.00}. 

Once I no longer needed the card I went into the local bank to cancel and receive the funds of estimated {$350.00} because I had {$150.00} in charges plus interest. They told me I couldnt cancel an I actually owed them money. I argued with XXXX XXXX, the assistant branch manager, but she wouldnt give me my money and wouldnt cancel the card unless I paid them. This made XXXX since to me. 

Recently, Ive been getting letters from legal firms asking me to pay over {$700.00}. Ive also noticed this is hurting my credit. 

I think VyStar should take the inquiry off my credit report, and pay me at least the {$350.00} that was the balance on my secured card. Its my money! 

The bank address VyStar Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Attn : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquiries on my Equifax credit report. Situation was brought to credit bureaus attention with no resolve. My consumer rights have been violated.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> TransUnion Re : Dispute of Inaccurate Collection Account on Credit Report Dear Sir/Madam , I am writing to dispute an account reported on my credit report, which I believe is inaccurate. The account listed under XXXX XXXX XXXX XXXX does not belong to me. According to the Fair Debt Collection Practices Act ( FDCPA ), I am not the individual responsible for this debt, and I request that you investigate and correct this error. 
Under 15 U.S.C. 1692e, it is prohibited to falsely represent the identity of the debtor. This collection account is the result of an inaccurate identification, inquires that are fraudulent and not authorized by me listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I request that this account be removed immediately from my credit report. 
Additionally, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that inaccurate information be corrected or removed. I request that you conduct a thorough investigation and confirm the information 's accuracy within the 30-day statutory period. 
Please provide me with written confirmation of the investigation results and actions taken. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are a number of inquiries on my credit report that are fraudulent inquiries, I have NOT tried to apply for any credit other than XXXX XXXX XXXX XXXX also known as XXXX XXXXXXXX XXXX from the months of XXXX, XXXX, and XXXX I have spoken with agents from XXXX and Experian and XXXX and advised that the ONLY inquiries that are mine are the once from XXXX XXXX XXXX XXXX and that rest ARE NOT A MATTER OF FACT. Under the Fair Credit Reporting Act section 1681c2. Block of information resulting from identity theft they must ( a ) Block Except as otherwise provided in this section, 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 alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Remove the Inquiries, but because they are using a call center out of the country their agents are refusing to comply with the Federal Trade Commission and the Fair Credit Reporting Act. I was advised that they do not have to follow the law and that they have their own internal policy that they will follow. I asked that we go over all the inquiries and they stated that they would not. I requested that they send me a copy of my credit report and as of today, I have not received it. This request was made XX/XX/XXXX, XXXX it is now XX/XX/year>, so in a month they have yet to send me a copy of my credit report. 

I am requesting that they remove all the fraudulent inquiries from my credit report other than XXXX XXXX and that they send me an updated copy of my credit report. I have also spoken with an attorney to see about filing a lawsuit with the Federal Courts if they do not remove all the fraudulent inquiries from my credit report and send me an updated copy within one week of XX/XX/year> I have sent them a copy of my Drivers License and Security Card
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX XX/XX/2019. I disputed bankruptcies that came back as " VERIFIED '' and would be remaining on my credit report. I inquired as to what source was used to verify this information. I was informed they used XXXX to " VERIFY '' the info on my file. I then reached out to XXXX to initiate a dispute to the bankruptcies reporting to my consumer file. After 90 days XXXX sent me a letter stating that the files would be deleted from my consumer report & that they would notify ALL credit bureaus that the accounts would be deleted ( see attached ). On XX/XX/2019 XXXX  removed bankruptcies from my credit file but have since placed the same accounts back on my credit report as of XX/XX/2019. All three bureaus have violated the FCRA rule by reporting and " VERIFYING '' information from 3rd party vendors and not directly from the reporting vendor/source. Nevertheless according to the attached letter from XXXX the information has been " DELETED '' from their file and should be deleted from XXXX, XXXX, Equifax. To date this information still remain ....
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 and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 6 0 2 states I have the right to privacy ( 15 usc 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes. 

XXXX XXXX XXXX Account XXXX XXXX