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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts listed on our credit report that we believe are in violation of various laws and regulations, including FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA : XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX Charge OfXXXX Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX Collection Account We dispute these accounts on the following grounds : 1. Violation of FCRA : We believe that the information reported on our credit report is inaccurate, incomplete, and outdated. We request that the information be verified and updated with accurate information. Failure to do so is a violation of FCRA.

2. Violation of FDCPA : We believe that the creditor/collection agency has engaged in harassing and abusive practices in their attempts to collect on these debts. This is a violation of FDCPA.

3. Violation of FACT ACT : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under FACT ACT. This is a violation of FACT ACT.

4. Violation of TILA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under TILA. This is a violation of TILA.

5. Violation of RESPA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under RESPA. This is a violation of RESPA.

6. Violation of ECOA : We believe that the creditor/collection agency has engaged in discriminatory practices in their attempts to collect on these debts. This is a violation of ECOA.

7. Violation of FCBA : We believe that the creditor/collection agency failed to comply with the requirements under FCBA. This is a violation of FCBA.

We request that the information be investigated and verified in accordance with the laws and regulations listed above. We also request that any inaccuracies be corrected and updated accordingly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I have proof that I signed up for auto payments on XX/XX/2023 in preparation for the student loan repayments to begin XX/XX/2023. I log into my bank account and did not see the auto payment drafted, so I log into my Nelnet account and see that they have marked me as past due. However their website clearly states I am enrolled in auto payments, have been enrolled since XX/XX/. In attempts to speak to someone my call was randomly dropped multiple times, their wait time is 2+ hours and they are providing zero extra assistance. I am hesitant to process another payment and they overdraft my account. As of XXXXXXXX XXXX XXXXXX/XX/2023 I can not log into my account and process a payment if I wanted to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2022 Account Number XXXX XXXX XXXX XXXX XXXX XXXX Amount {$120.00} I have disputed this inquiry with XXXX and Experian This inquiry was canceled before going to collections My privacy has been violated under Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My personal information was illegally sold to the collection agency after I legitimately cancelled the insurance with XXXX XXXX XXXX XXXX My car was repossessed and I no longer had use for the services When I checked my credit report XXXX XXXX had sold of a debt that wasnt old Without me consenting to my personal information being stolen and used to collect money
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, there is a unauthorized inquiry from CBNA on my XXXX credit report.
Product: Mortgage

hi. 
phh mortgage account XXXX on XX/XX/XXXX the bank did not allowed me to make an on line payment and advised me to send overnight a ck. 
i sent a cashier ck for {$3100.00} i have proof with signature that it was delivered and signed by the bank employee. 
they falsely claim they did not receive it and harassing me for $ possibly reporting late payment to the credit bureaus. 
i email them all the proof and thy are just claiming false info ( all attached ) since its a bank check it can be canceled @ this point!
Product: Credit reporting, credit repair services, or other personal consumer reports

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX  XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several inquiries listed on my credit report. Upon reviewing my credit history, I have identified multiple inquiries that I believe are inaccurate and unjustified. I kindly request that you investigate these inquiries and promptly remove them from my credit report. 

Below are the details of the disputed inquiries : XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX, XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX I would like to emphasize that these inquiries were not authorized by me, nor do they represent any legitimate applications for credit. As a responsible consumer, I am vigilant about monitoring my credit activity, and these inquiries do not align with any actions I have taken. 

Furthermore, the presence of these inquiries negatively impacts my credit score and overall financial standing. As you may know, excessive inquiries can signal to potential lenders that I am actively seeking credit, which may not be the case. Therefore, it is imperative that these inaccurate inquiries are promptly removed to ensure the integrity and accuracy of my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you conduct a thorough investigation into these disputed inquiries. Please provide me with the results of your investigation and take the necessary steps to remove any inquiries that can not be verified as legitimate. 

I appreciate your attention to this matter and your prompt action in resolving this dispute. Please inform me of the status of my request within the timeframe stipulated by the FCRA. 

Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

Equifax reporting XXXX XXXX XXXX accounts # # XXXX {$700.00} # # XXXX {$500.00} XXXX XXXXXXXX XXXX XXXX Hard inquiry XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX # # XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX il XXXX XXXX XXXXXXXX XXXX XXXXXXXX il XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  # XXXX closed XXXX {$640.00} XXXX XXXX XXXX  accounts # XXXX {$530.00} # XXXX {$1500.00} # XXXX {$690.00} # XXXX {$570.00} # XXXX {$1900.00} # XXXX {$1000.00} # XXXX {$1500.00} # XXXX {$700.00} # XXXX {$500.00} XXXX soft inquiries XXXX XXXX closed All of this DOES NOT BELONG TO SAID COMSUMER XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get this collection off my credit report. It was NEVER a collection account, it was an auto loan but still they are reporting it incorrectly and have not changed this even though I have contacted them several times. 

The account is now 8 years and 7 months old. Please delete this account off my credit report. 

Transunion is still reporting monthly status and its been closed for 7 years!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number 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. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Product: Money transfer, virtual currency, or money service

Sent money via Cash app for goods offered on XXXX by XXXX XXXX, and never received the goods. 
Cash app have not refunded the money and refuse to do so. 

I purchased pair of speakers on the app Offer up offered by XXXX XXXX XXXX. We agreed on the price of {$150.00} for them shipped to my address. 
He told me his name is XXXX XXXX and we started texting back and forth via text messages as well as on Offer Up. 
As of today XX/XX/2024 he has yet to ship them out with Varying excuses, all documented, to me. 
When I offered that we cancel the sale, and that he just refunds me the sum I paid him, more excuses followed and nothing has materialized. 
He has threatened me that if I contact law enforcement, it will only make matters worse for me and I'll never see the item. 
He sent me his home address via text : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX His phone number he's been texting me on is : XXXX His username on Cash app is XXXX XXXX XXXX  : XXXX XXXX I believe he hails from Kansas and has lived in FL, XXXX AZ and XXXX. All according to my texts, XXXX etc. 
Might all be a scam as well. 

There are XXXX different XXXX accounts showing his picture which corroborates with both his Cash App picture and his Offer Up picture. 

I've contacted both apps : Cash App and Offer Up and filed scam reports with both. 


I know this is not a large sum of cash, but nevertheless it is an online fraud/scam and I would like either my goods or a full refund of the sum I've paid. 
I would be willing to cooperate and even prosecute if need be. 

My phone number is XXXX Email - XXXX Thanks in advance for your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through XXXX, XXXX and equifax systems i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following accounts and inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts and inquiries removed from my credit report. 
Accounts for Blocking and Deletion : XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$110.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$550.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$130.00} Inquiries for Blocking and Deletion : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an unresolved dispute on my credit report. I have been impacted by multiple data breaches, and after reviewing my credit reports from all three major credit bureaus ( XXXX, Experian, and XXXX ), I noticed several inaccuracies, including addresses where I have never resided and collection accounts I do not recognize. 

Despite my efforts to dispute these discrepancies multiple times, including submitting disputes directly to the credit bureaus and providing supporting documentation, the incorrect information has not been removed or resolved. I have made multiple attempts to correct this issue, but no changes have been made, and the errors remain on my credit report. 

Specifically : I noticed incorrect addresses that I have never resided at. 
There are collection accounts listed that I do not recognize and believe are fraudulent. 
My disputes have not been fully investigated, nor have I received any meaningful responses or resolutions from the credit bureaus. 
I have complied with all requirements for submitting disputes, yet the credit bureaus have failed to resolve the inaccuracies, and the information continues to adversely affect my XXXX XXXX and overall financial health. 

I have attached supporting documents, including dispute submission confirmation, communication logs, and a copy of my credit report showing the inaccuracies. These documents are available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX card listed as a charge off on my credit reports, and after disputing it they have still not removed it. The charge off amount is listed as {$2100.00} in XX/XX/2019, but with pays as agreed status through 2019 and no payments listed, ever. This is incorrect, is was not late and is not a charge off, and the negative information should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 719XXXX has me at a score around 590. 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX account the bureaus are reporting a late payment or a delinquency which is inaccurate i have send letters and also to the creditor, but so far no resolution have been made. please resolve this issue. thank you
Product: Credit reporting or other personal consumer reports

VW Credit is reporting inaccurate information about a closed account to XXXX and XXXX. The account should no longer be included on my credit report. They are reporting the accounts first date of delinquency as XXXX XXXX. The account was opened in XXXX XXXX for a period of XXXX months. How is it possible that date of first delinquency is reported XXXX months after the account was meant to close? It seems that they are deliberately providing false information to the credit reporting agencies so that this account remains on my credit report, even though more than XXXX years have passed.
Product: Vehicle loan or lease

Submitted a debt validation letter over a month ago no response pass the 30 days the creditor is to respond from my letter no response
Product: Checking or savings account

On two s eparate occasions in   XXXX   XXXX    , I visited Chase Bank at   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX  and notified  XXXX   XXXX  ( NMLS ID :  XXXX  ) and  XXXX   XXXX   (  NMLS ID :  XXXX  ) that I have been receiving bank statements for   XXXX   XXXX   XXXX   XXXX   at my home address.     Neither did I request, nor did I authorize Chase Bank to send bank statements belonging to my employer to my home address. This is a HUGE violation of privacy and I want it to stop.     Both  XXXX   XXXX  and  XXXX   XXXX  promised me that they would fix this problem. After a number of weeks elapsed with the problem continuing, I returned and spoke with  XXXX   XXXX  a second time. He, again, promised me that he would remedy the problem.     Fast forwar d six months  and absolutely nothing has been done. I called the Customer Service line and spoke with  XXXX  on  two o ccasions, who told me I must be mistaking, because his information in his system reflects that no statements were ever sent to my home address and, if so, the post office must be forwarding them to me. Really??     To make an already long story short, not a week goes by that I do not receive statements in the mail for this account for which I have no financial responsibility. I am not an owner of  XXXX   XXXX   XXXX ,  XXXX  and I do not want to receive its bank statements addressed to me at my home address.     Short of taking legal action, I do n't know what else to do.  Chase is  attempting to bully and intimidate me.     In this age of rampant computer hacking and violations of privacy, it is not only irresponsible for  Chase to  send banking statements to people to whom they do n't belong, but it is extremely neg ligent for Chase to  continue to do so after being put on notice to cease and desist.     This entire situation, going bac k six mont hs, has been extremely stressful for me. It has made me feel powerless and, yes, very much intimidated. The thought t hat Chase c an blatantly ignore my concerns over the use and application of my own name and personal information is extremely unnerving and is causing me to awaken in the middle of the night and not be able to go back to sleep.
Product: Checking or savings account

I was being charged XXXX XXXX monthly for a account I had money coming into. My card was hacked and used for online orders, instead of stopping suspicious activity, the bank approved the transaction. I was out my money.
Product: Checking or savings account

Navy Federal has made it impossible to access my money but VERY easy to deposit. I had direct deposit with Navy Fed where I also have stimulus checks deposited. They locked me out of accessing my acct online and only can access by calling or going in person. However because in Texas it has been impossible to renew drivers licenses because of XXXX, I have not been able to access in person either. Now they have frozen my ability to access my money and claim it is a security risk. I have brought my birth certificate, multiple credit cards, and other IDs but they refuse to even acknowledge I am standing there. The Managers won't talk to me and constantly tell me to " go figure it out ''. Complete and total fraud on their part with NO ONE willing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had XXXX late payments. But here 's the thing, I've never been late on my payments for this account. 

Something else that's weird is that this account info is only showing up on XXXX credit bureau report. Doesn't that seem a bit off? I mean, if it was accurate, wouldn't it be on all the bureaus ' reports? 

XXXX XXXX Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.