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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Debt collection

Today XX/XX/XXXX I was contacted by MRS about debt I owed XXXX that I never paid. I then contacted XXXX  and they say I don’t owe them anything and they never contacted mrs to collect debt.
Product: Credit reporting or other personal consumer reports

These events all took place on XX/XX/year> I received correspondence through the mail from TransUnion informing me, underXX/XX/XXXXXXXX, of derogatory information that would be placed on my report. 

I proceeded to request my TransUnion credit report through https : //annualcreditreport.com/. I tried XXXX times, to no avail, to request my information from TransUnion. I received an error stating my request could not be completed. 

I attempted to log into TransUnion and view my report directly through their website, and was unable to navigate past any page other than the home screen, and the login page.
Product: Credit reporting

My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.
Product: Money transfer, virtual currency, or money service

My account was frozen and Ive tried to contact Venmo by email, phone, online chat and social media. First they said it could take up to 7 days and now they say XXXX days. Venmo does not have a way to contact the account specialist that reviews your account and basically you lose all access to your funds. Venmo needs to change the way they handle this situation instead of just shutting your account down and having no way to get an actual response or speak with the account specialist that are handling the account. I depend on those funds and now I have no access to them.
Product: Vehicle loan or lease

I have this car company on my vehicle that i'm not aware of my identity was stolen early part of this year and has been being used. i recently learned how to lock my credit i have no knowledge of this account, i didn't even have my driver license at that time!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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

I am unable to get an annual credit report from Equifax or from my online Equifax report account .When I call Equifax , they tell me they can't verify my info even though I have given them my social, name, dob and told them current credit cards, monthly payment amount loan balance amount and with who. I want the possible fraud alert removed when creditors try to access my report, I have tried in the last few years to fax in the request along with my DL and social security card they still refuse to take this off my credit report. I have been denied credit because of this. in XX/XX/XXXX my XXXX XXXX XXXX ran a report and was denied access XXXX XX/XX/XXXX, world finance tried to pull my report and was told possible fraud and was denied access to my report. Same thing in XX/XX/XXXX and XXXXEquifax has merged my credit report with a lady name XXXX XXXX. Email is attached as proof from EMAIL. 
Dear XXXX XXXX, As a reminder, we've completed your Equifax credit file dispute, and you can view your results online. Your dispute results will remain online for 16 days. You may not be able to access your results online after XX/XX/XXXX. XXXX XXXX  XXXXXXXX XXXX - Reminder : Your Equifax Credit File Dispute is Complete about : blank. 
Your Equifax credit report dispute confirmation number is XXXX Please correct and release my credit report to XXXX and XXXX XXXX ASAP and fix my credit report errors.
Product: Checking or savings account

On XX/XX/23 there is an unknown check that was posted to my account with funds of over {$3000.00} were withdrew in error. I called the bank as soon as I noticed the transaction and after being on the phone for one hour, they acknowledged that it was a mistake on their part. That the funds would be back into my account within 10 days. I requested the funds to be back into my account within the next day and the banker indicated that the funds should be returned in an hour.

This morning the funds were still missing from my checking account. They again confirmed that it was their mistake but that it would have to be processed through their claims department which may take up to 10 days. I requested that my funds be returned to me within the next day to pay my bills. There was no resolution after I spent 2 hours on the phone and was transferred 4 times to different bankers/supervisors at the " executive '' level.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX four transactions were made with my cash app card information in XXXX XXXX NY at XXXX the transactions were charged by XXXX. First transaction was made for XXXX, second transaction was for XXXX, third transaction was made for XXXX, and fourth transaction was made for XXXX. 

I immediately messaged the Cash App customer service team who declined to cancel the pending transactions and asked for me to contact the merchant. I contacted the XXXX in XXXX, NY which advised scammers are using cash app card info for fraud. The merchant XXXX advised to contact Cash App directly to cancel pending charges. Cash App customer service advised to allow transactions to settle and dispute them. As requested, once settled on XX/XX/2022. I submitted disputes for the 4 transactions and other attempted transactions that were declined due to me disabling the card via the cash app application. Cash app advised they would tend to the disputes between 7 - 10 business days. On XX/XX/2022 I was contacted by cash app via email addressing the disputes for the attempted transactions and failed to address the disputed transactions with the actual charges. I responded and advised of the 4 transactions and disputes I submitted that settled. No response from cash app. On XX/XX/2022 a cash app representative addressed the dispute submitted and responded with At this time, we've addressed the transactions you gave originally and have completed our investigation and closed this claim. I responded with the dispute IDs given to me for the unauthorized transactions made with my card information and explained the situation. I received no response from the cash app rep. Today marks the 13th business day since the disputes and no action or update has been provided regarding the disputes submitted in the amount of XXXX $ +. When messaging the cash app team through the application I am advised of no updates. This is beyond frustrating as there is no solid communication with this company and transactions were not cancelled as requested to avoid the fraudulent charges made by someone in a different state which I have never traveled to. Today I have reached out to the cash app team and received the response that my dispute has been addressed. I received no communication in regards to the disputes submitted for the aforementioned. Reference numbers which were dismissed and not addressed are as follows : [ ref : XXXX : ref ] [ ref : XXXX : ref ] [ ref : XXXX : ref ] [ ref : XXXX : ref ] [ ref : XXXX : ref ] Please help get me the money which was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 
-15 U.S.C 1681 section 602 A. States that I have a 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 permission. 
- 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Nordstrom credit card when never opened by me and needs to be removed from my credit report
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding inaccurate information listed on my consumer report. Specifically, the account in question, XXXX, has been inaccurately labeled as a charge-off/collection, which adversely affects my creditworthiness. 

The aforementioned account pertains to a vehicle loan that was rendered null and void due to a natural disaster resulting in the total destruction of the vehicle. It is imperative to note that at the time of the incident, the vehicle was fully covered by insurance provided by XXXX XXXX. Following standard procedure, XXXX XXXX deemed the vehicle a total loss and duly compensated for the damages. 

Contrary to the inaccurate designation of the account as a charge-off/collection, the account was not in collections. Rather, it was terminated due to unavoidable circumstances beyond my control. Thus, the reporting of this account as a charge-off/collection is a blatant misrepresentation of the facts and violates the provisions outlined in 15 U.S. Code 1681b regarding the accuracy of consumer reports. 

Furthermore, XXXX XXXX XXXX XXXX 's actions contravene the regulations set forth in 15 U.S. Code 1681s2 regarding the responsibilities of furnishers of information to consumer reporting agencies. Specifically, XXXX XXXX XXXX XXXX is in violation of 1681s2 ( 1 ) ( A ) by furnishing information to consumer reporting agencies with actual knowledge of errors and also in violation of 1681s2 ( 1 ) ( B ) by continuing to report inaccurate information even after being notified of its inaccuracy. 

As per the aforementioned sections, I am entitled to have inaccurate information promptly removed from my consumer report. Therefore, I demand that XXXX XXXX XXXX XXXX cease reporting the inaccurately labeled account and take immediate steps to rectify the erroneous entry on my consumer report. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX XXXX complies with the pertinent regulations governing consumer reporting.
Product: Credit reporting or other personal consumer reports

Accounts listed below doesnt belong to me I never authorized nor open the accounts : XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date opened XX/XX/XXXX XXXX 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

I received mail correspondence from PHH Mortgage Services on XX/XX/2019 enclosed with a notice regarding 'what does a company do with your personal information? ' On the lead mailing addressee sheet that was enclosed with the notice there is a 3rd party name in the addressee in addition to my name and my wife 's name. On XX/XX/2019 I attempted to resolve this issue with PHH Mortgage Services escalation department in the XXXX and XXXX XXXX, NJ as to why the 3rd party name is in the addressee for the documents sent to us. I have been put on hold for over an hour and a half with the PHH escalation department in XXXX XXXX, NJ only to have to leave my phone number to have them call me back. I have received no call from PHH to explain why there is a 3rd party name on the addressed documents. The 3rd party name on the addressee document is a known acquaintance to my wife and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not able to access my credit report, score or profile. When trying to access I get error message saying Please give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNTS : 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 and Bankruptcy XXXX XXXXXXXXXXXX XXXX Bankruptcy XXXX XXXX  XXXX Date Reference : XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report that noticed some inquiries that do not belong to me
Product: Student loan

I attended XXXX in XXXX XXXX, CA from XXXX XXXX - XXXX XXXX. Graduated with a XXXX from the school. In a conversation with XXXX and their financial department, they made me aware of the additional amount to be tacked on to my current loan balance. I had attended XXXX before from XXXX - XXXX for a XXXX in the same field of study in XXXX, AZ. 

The first account was a XXXX XXXX loan which me and me father co-signed on. So the amount that was borrowed in total, according to XXXX, was {$51000.00}. With interest, it currently stands at {$63000.00}. However, the problem is this : There was a second account made without my knowledge for roughly the same amount! So even though XXXX has me slated that I borrowed only {$51000.00}, my loan provider ( Navient ) has me with XXXX accounts both totaling {$120000.00}! This second account should have never been created in the first place even though the school assured me that the amount would be added onto the current loan account.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous student loan accounts I have no knowledge. Here are the ones I found 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  Please remove these fraudulent accounts from my credit report.
Product: Debt collection

I respectfully ask for your cooperation in deleting the late payments that were noted from my account history. I cherish my good connection with the Creditors and pledge to make sure that future payments are made on time and with more consistency. 
NATIONSTAR/MR COOPER XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or NATIONSTAR/MR COOPER customer service representative . 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed.
Product: Checking or savings account

Please refer my previous complaint ( XXXX ). Finally, after a lots of follow-ups I was able to get my online access with not much help from Regions bank. 
But now Regions bank is giving me tough time to give my {$400.00} cash back bonus for which all the conditions are met except online account statement ( which i can not do because I had no online access for so long ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my credit report. 
XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my credit 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 15 USC 1681 violations for willful noncompliance-616 Civil liability for willful noncompliance [ 15 USC 1681n ] Also, some of the above accounts are 4 years old or older..

Texas and Federal Law *Section 16.004 of Texas Civil Practice and Remedies Code. 
THE STATUE OF LIMITATION ON A DEBT IN TEXAS IS FOUR YEARS *Section 392.307 of Texas Finance Code THIS SECTION OF THE LAW INTRODUCED IN XX/XX/XXXX, STATES THAT A PAYMENT ON THE DEBT ( OR ANY OTHER ACTIVITY ) DOES NOT RESTART THE CLOCK ON THE STATUE OF LIMITATIONS.

THE ACCOUNTS 4 YEARS OR OLDER MUST BE DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX Are both reporting an invalid late payment against me. The entity listed isnt even the correct state. I notified both credit reporting entIties and disputed the transaction. I provided a recent transaction statement which shows that the account is not late or past due whatsoever, directly from the ACTUAL STATE entity. Experian ruled in the entities favor stating that they validated the debt. How could they possibly validate a debt that isnt correct when I have a current active transaction report?
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX ( XXXX ) regarding my credit account, as it appears on my credit reports from XXXX, XXXX, and Equifax. The account in question is identified by the number XXXX and is listed as derogatory, charged off, and in collection status. I request the removal of this account from my credit report due to multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 

Summary of Issues Inconsistent Reporting Across Credit Bureaus : The account information varies significantly among the XXXX major credit bureaus. 
XXXX reports a balance of {$810.00} and a high credit of {$810.00}. 
XXXX shows a high credit of {$0.00}, creating confusion about the accounts status. 
Equifax reports a high credit of {$500.00} against the same balance of {$810.00}. 
Law Violation : These discrepancies violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
Missing Information : XXXX does not report the " Account Type - Detail, '' which is crucial for understanding the nature of the account.

Law Violation : Under 15 U.S.C. 1681g ( a ) ( 1 ), consumers are entitled to complete and accurate information in their credit reports. 
Incorrect Payment Status : All bureaus classify this account as " Collection/Chargeoff, '' which may not accurately reflect the current status if it has been settled or paid.

Law Violation : This misrepresentation violates 15 U.S.C. 1681s-2 ( a ) ( 2 ), which mandates furnishers to provide accurate information. 
Inconsistent " Date Last Active '' Reporting : The Date Last Active reported varies : XXXX and XXXX indicate XXXX, while Equifax XXXX XXXX. 
Law Violation : This inconsistency contravenes 15 U.S.C. 1681e ( b ), leading to potential misunderstandings regarding the account 's status.

Negative Comments : Comments such as " Charged off as bad debt '' and " Canceled by credit grantor '' need to be consistent across reports. If this account is settled, these comments mislead creditors.

Law Violation : Misleading comments may violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from providing information known to be false or misleading.
Product: Credit card or prepaid card

Macys signed me up for a credit life insurance with a company called credit pro. I did not give consent. I am billed up {$23.00} per month. The amount fluctuates depending on your balance. I have been billed for this fee over over a year. It could be more but I dont have access to older statements. I need them to reimburse me for all the fees. This transaction was fraudulent and was not approved by me.