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

Viewed credit file through Transunion in reference to XXXX XXXX XXXX XXXX account showing charged off.  File shows last reported: XX/XX/19 in the amount of $XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX   XXXX, DEPT OF ED/XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my credit report for which I have no financial responsibility. The account details are as follows : Creditor Name : XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Status : Authorized User I was added as an authorized user on this account ; however, I am not the primary account holder and do not bear any liability for the debt. I have since been removed from this account by the creditor, and I now request that you immediately delete this tradeline from my credit report. 



In addition to the factual inaccuracy, the continued reporting of this account violates several provisions of the Fair Credit Reporting Act ( FCRA ). In particular, please note the following statutory requirements : 15 U.S.C. 1681e ( b ) : Mandates that credit reporting agencies ensure maximum possible accuracy in the information reported. 

15 U.S.C. 1681i ( a ) ( 1 ) : Requires that a reasonable investigation be conducted when a consumer disputes the accuracy of their credit report. 

15 U.S.C. 1681i ( a ) ( 5 ) : Obligates the deletion of any information that can not be properly verified. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires furnishers to report only accurate information. 

15 U.S.C. 1681s-2 ( b ) : Compels furnishers to investigate disputes when notified by a credit bureau . 

15 U.S.C. 1681c ( a ) ( 4 ) : Limits the reporting period for negative information, ensuring outdated or inaccurate information is not reported. 

15 U.S.C. 1681g : Provides consumers the right to access and verify information contained in their credit reports. 

15 U.S.C. 1681n : Grants consumers the right to sue for willful noncompliance with the FCRA. 

15 U.S.C. 1681o : Allows for legal recourse in cases of negligent noncompliance. 

15 U.S.C. 1681p : Establishes the statute of limitations for FCRA claims. 

15 U.S.C. 1681b : Restricts access to consumer reports to only those with a permissible purpose. 

15 U.S.C. 1681h : Requires proper disclosure of credit report information to consumers. 

15 U.S.C. 1681d : Outlines the responsibilities of consumer reporting agencies in handling disputes. 

15 U.S.C. 1681j : Addresses the proper handling of adverse actions taken on the basis of information in the consumer report. 

15 U.S.C. 1681k : Specifies liability for willful noncompliance with the FCRA.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Deletion of Closed Accounts from Credit Report in Accordance with FCRA Laws To whom may concern, I am writing to formally request the immediate removal of closed accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several closed accounts that are no longer accurate representations of my financial standing. These accounts have been fully paid off and are no longer active. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information contained in consumers ' credit reports. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that information that is inaccurate or can no longer be verified must be promptly corrected or deleted from the consumer 's file. 

Therefore, I request that you remove the following closed accounts from my credit report immediately : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Closed : Reason for Closure : Terms met account is paid 2. XXXX XXXX XXXX Account Number : XXXX Reason for Closure : Terms met account is paid 3. XXXX XXXX XXXX Account Number : XXXX Reason for Closure : Terms met account is paid Enclosed with this letter are copies of relevant documents, including proof of payment for these closed accounts. I trust that this documentation will assist you in promptly processing my request. 

I am fully aware of my rights under the FCRA and expect the credit bureau to comply with its obligations to ensure the accuracy and fairness of my credit report. Failure to remove these inaccurate accounts may result in a violation of the FCRA. 

I kindly request that you provide written confirmation once these accounts have been deleted from my credit report. Additionally, I would appreciate any updates or information regarding the status of my request. 

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Thank you so much for your time.
Product: Checking or savings account

This all began on XX/XX/XXXX, I believe it was, with an XXXX XXXX. I rented her and her boyfriend a room at my condo approximately 5 years ago ... that's how I know her. Anyway, she heard about my XXXX XXXX in XXXX of XXXX. She reached out to me and wanted to visit to see how I was doing since accident. I was staying at XXXXXXXX XXXX  in XXXX during XXXX and XXXX, and part of XXXXXXXX XXXXThey gave her a key to my room upon arrival without my consent. She went into my room where my belongings were, while I was down at the pool. She obtained access to my information. That account was shut down as soon as I noticed the charges I never made. XXXX, a banker at the XXXX, ohio branch, assured me this would never happen again bc they were going to put fraud protection on the new account. 
Then, XX/XX/XXXX, my car was stolen from XXXX XXXX XXXX XXXXXXXX XXXX. My purse was in the trunk of my car, along with almost everything I owned. The casinos security cameras have the man getting in my car and leaving the property, per XXXX, security head. Losing everything, I had a mental break and was admitted to behavioral health on XX/XX/XXXX and released XX/XX/XXXX. During this time, my mother supposedly called the bank to freeze the account, but it was NOT done. Over {$12000.00} was taken!! And this being while a fraud alert was supposedly in place on the account. I provided the requested, and required information to prove the transactions were unauthorized. This was all done by XXXX, XXXX because there were at least 4 open cases on this matter with XXXX. 

I still HAVE NOT GOTTEN A DIME OF IT BACK, NO PROVISIONAL CREDITS, NOTHING!! PLEASE HELP ME!!!! THIS WAS MONEY FROM MY XXXX XXXX XXXX ME AND LEFT ME HOMELESS BC I LOST EVERYTHING FROM BEING IN HOSPITAL FOR 2 MONTHS IN XXXX AND ALMOST DIED.THIS MONEY WAS GOING TOWARDS A NEW RESIDENCE. IM AWAITING XXXX XXXX XXXX XXXX CURRENTLY, BUT IS ON HOLD BECAUSE I DONT EVEN HAVE ENOUGH MONEY TO EAT PORPERLY XXXX WHICH IS CAUSING ADDITIONAL HEALTH PROBLEMS. NOR A SAFE PLACE TO LAY MY HEAD, AND XXXX XXXX  EXCEPT MY CAR. THANKS HUNTINGTON BANK FOR NOW PUTTING MY LIFE AT RISK, AGAIN!! ( SARCASM )
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Money transfer, virtual currency, or money service

This all happened on XXXX on XX/XX/2024 I am part of a face group that was a private group for XXXX XXXX and someone posted information with pictures of items they were selling. They explained that the dad was going into an XXXX  home and they needed it to sell all these items I trusted it because it was in a private group, I was interested in a few items I messaged them they wanted a deposit to hold the items they said to send it by Venmo. I tried sending it but it declined. Tried sending it again and it declined. They gave me a different user information to try. I did that one a couple times as well and it kept saying it failed. I called Venmo and they said XXXX of the transaction actually went through so I messaged the people back because then I started to be concerned and asked them to send the money back and they said they never received it, also, they told me to make sure I put, friends and family for the reason Im sending the money and later I found out that with Venmos rules that youre supposed to put the actual items in that and thats why they told me to put friends and family. I reported it with Venmo and also with my Venmo credit card I only got one of the transfers back and they sent me a letter stating that I wouldnt be getting the other transfer which was {$510.00}. I am planning on paying everything off and closing both my accounts, I took screenshots of the messages with this person and also have a screenshot of the post that they somehow put in the private XXXX XXXX. I was going to chalk it up to a lesson learned until I found out that I could report it to you guys, so that is what I am in the process of doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reviewed my credit report to prepare to buy a home in XX/XX/XXXX for my growing family now that my wife is XXXX  with our XXXX  child. I became aware that my identity was stolen and used to open various fraud accounts so I sent certified letters to each credit bureau to dispute and delete the fraudulent accounts. Tracking confirmations were received and I gave the bureaus more than enough time to review and delete the items. I have paid a monthly membership cost of {$29.00} to experian for months and another {$24.00} to XXXX  and XXXX  for months now keeping my credit reports frozen and locked. I have now spent a total of {$300.00} in mailing in my letters to each bureau and it is now XX/XX/XXXX. I have never gotten a response from the credit bureaus and it has been well over XXXX business days since they received my items on XX/XX/XXXX. Tracking : XXXX XXXX, XXXX : XXXX XXXX  and XXXX : Experian XXXX. I just reviewed my credit reports again and there are no changes in my file and now I have to wait longer before buying our home next month due to my rights being violated as a consumer with the FCRA. This is not right and I am now filing a complaint with the CFPB to expedite this matter and have these fraudulent items deleted immediately from each credit bureau. Thank you for your help so I can provide for my family as my wife is now due XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I had taken out payday loans from this lender and paid in full before the final payment installment. On XX/XX/XXXX, I was sent this promotional offer via email : The Promotional Offer ( 4 Interest Free Payment Offer : " As a valued returning customer, you qualified this month for a special promotional offer. Apply today 4 no - interest payments when you make 8 successful regular payments on your next loan. Apply before the end of the business on XXXX XXXX to take advantage of the savings! Apply online by XX/XX/XXXX to receive this exclusive offer! *Only valid on 12 - payment installment loans. 

This was the main reason why I took out this loan and in addition my common-law husband was waiting for his disability payments to come in as he undergoing XXXX treatments. In addition, since I was self-employed, I had taken out this loan to handle operating expenses for my business Had I known about Lendumo bait and switch tactics, I would not have bothered to take out the loan. As scheduled all payments posted to my account as agreed. 

I made a total of 8 payments of XXXX from XX/XX/XXXX through XX/XX/XXXX. Followed by a payment of XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; and XXXX on XX/XX/XXXX. On Monday, XX/XX/XXXX, I received a notice from my checking account that my Lendumo account was closed and that an additional payment of XXXX would not be processed. Lendumo tried to circumvent this transaction and tried to deposit an amount of {$350.00} which XXXX advised me to place a stop payment on this transaction. There is currently a lawsuit which involves Lendumo, so of course, XXXX will not honor any payments from them. Lendumo, on the other hand, put my account in collections and harassed and threatened me in several emails for the next couple of days until I sent them a cease and desist email in which I told them I'm considering filing a lawsuit for the harassment. They wanted me to make a money order which I could not do anyway because I would have to make the money order from my XXXX checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXXXXXX XXXX named XXXX XXXX is using my social security number and it shows on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and the accounts below were were opened by whomever stole my identity. I am requesting that the items be blocked to correct my credit report. Enclosed are copies of documents supporting my position. 

I have called and mailed my identity theft reports to XXXX and Transunion via certified several times Each time they have received my identity theft report which includes a police and FTC report, they refuse to remove fraudulent accounts from my credit report credit reports and only send stall letters that have already be sent to me many times in order to avoid correcting my credit reports. 

The account below was not opened by me and needs to be removed permanently from my credit reports : XXXX XXXX XXXX XXXX The identity theft reports were mailed via certified mail to XXXX and Transunion, the delivery date and the tracking numbers are below : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX months ago I was told that my XXXX releases were sent to the XXXX but they haven't been. XXXX of my vehicles was flooded due to hurricane heleene and the insurance company has called XXXX XXXX several times.
Product: Debt collection

This delay is not only a violation of the FCRA but also an egregious oversight that has a direct and adverse impact on my creditworthiness. The inaccurate reporting of a late payment is damaging not only to my credit score but also to my ability to secure favorable terms on future credit. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite my efforts to rectify this situation and the clear guidelines set forth by the Fair Credit Reporting Act ( FCRA ), I find myself facing an unresponsive and inefficient process. The FCRA stipulates that a credit bureau must investigate and respond to disputes within 30 days. However, to my considerable irritation, the stipulated timeframe has elapsed without any response from your bureau. 
BANK OF AMERICA  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I insist on immediate action to rectify this situation. I demand that your bureau promptly investigates and corrects the inaccurate reporting of the late payment on the account. The failure to adhere to the FCRA 's mandated response timeframe is unacceptable, and I expect your bureau to take corrective action without further delay.
Product: Debt collection

Over the past year, the collection company Rash Curtis & Associates, XXXX XXXX XXXX, XXXX, CA XXXX has called our family multiple times each week on our cell numbers, looking for someone else. On Friday XX/XX/2018 at XXXX XXXX, they spoke to my spouse who explained that there is no one by that name at our address or at our cell or home numbers. We then asked them to cease calling us. After handing up the phone, their representative immediately dialed my cell number and I repeated our demand to stop harassing us and informed the collector their company was in violation of federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TRANSUNION ACCOUNT XXXX Reported Late Payment in XX/XX/2019 when payments were current within 30 days of the reported late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to delete inaccurate information from my Experian credit report but Experian refused to do that. I told them to delete incorrect name but they refused to do that. I told them that according to FCRA they should correct all inaccurate information and remove all wrong names but they insisted in doing illegal behavior and they refused to delete incorrect name. 

My correct name is following : First Name : XXXX Last Name : XXXX XXXX I do n't have middle name. My last name is a compound last name so it has two words. There is a " space '' between " XXXX '' and " XXXX ''. 

All other names and aliases should be removed including the following : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I  HAVE BEEN A VICTIM OF IDENTITY THEFT. I DATED A GUY YEARS AGO NAME XXXX XXXX, HE MADE ME BELIEVE THAT HE WAS IN LOVE WITH ME WHICH LED TO ME ALLOWING HIM TO COME TO MY HOUSE. I DIDN'T REALIZE THE TIMES HE WOULD COME TO MY HOME HE WOULD GO INTO THE FOLDER IN MY CLOSET WHICH CONTAINED ALL OF MY PERSONAL INFORMATION AND WOULD TAKE PHOTOS OF IT. ONE DAY, HE RANDOMLY VANISHED FROM MY LIFE AND I REALIZED THAT MY FOLDER WAS MISSING WHICH HAS MY PASSPORT, MY SOCIAL SECURITY CARD AND A TON OF CHILDHOOD PHOTOS. I HAD NO IDEA MY DOCUMENTS WERE MISSING UNTIL IT WAS TIME FOR ME TO USE MY PASSPORT TO BOOK A TRIP OUT OF THE COUNTRY. I CONTACTED HIM ASKING IF HE HAD SEEN IT AND HE MESSAGED ME BACK WITH A WINK FACE AND I NEVER HEARD FROM HIM AGAIN. SINCE THEN I'VE NOTICED A LOT OF NEW THINGS SHOW ON MY CREDIT. REMOVE AND BLOCK THIS FRAUD INFORMATION FROM MY CREDIT WITHIN THE NEXT 4 DAYS.


FRAUDULENT ADDRESS:

XXXX XXXX XXXX XXXX, CA XXXX

FRAUDULENT ACCOUNTS:

Account name
XXXX XXXX XXXX
Account number XXXX,
 
Account name XXXX XXXX XXXX
Account number
XXXX,
 
Account name
XXXX XXXX XXXX  Account numbeXXXX XXXX,
 
Account name
XXXX
Account number
XXXX
 
Account name
XXXX XXXX XXXX
Account number XXXX,
 
 
Account name
XXXX
Account number XXXX,
 
 
Account name XXXX
Account number
XXXX,
 
 
Account name XXXX
Account number
XXXX, XXXX XXXX XXXX
 
Account number: XXXX, XXXX XXXX XXXX
 
Account number: XXXX,
 
 
XXXX XXXX XXXX
 
Account number: XXXX
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.
Product: Mortgage

account updated after request, but failed to remove : Dispute and Reinvestigation. These need to be removed due to the fact that XXXX will not approve a mortgage loan with pending disputes or investigations. I have requested this is of Ocwen, but no proof that they are willing to update account since mortgage loan was sold to XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent out a certified letter with a return receipt to XXXX and Schools First Credit Union cause it came to my attention that they have been inaccurately reporting XXXX accounts on my consumer report. 

XXXX XXXX # : XXXX Schools First Credit Union # : XXXX Before you reply to this complaint. I want to make this clear I am not asking you to Validate or Verify anything. So please do not waste my valuable time with stall tactics. 


These negative accounts have been placed as a Collection/Charge-Off status WITHOUT mailing me a copy of IRS 1099-C Cancelation of Debt. XXXX and Schools First Federal Credit Union are reporting Collection/Charge-Offs, Late payments, and other derogatory information on my consumer report are in clear violation of 26 USC 6050P Returns relating to the cancellation of indebtedness by certain entities. If these derogatory accounts are not deleted within 10 days, I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved
Product: Debt collection

CBE Group has called my work number on several occasions after I repeatedly requested them to cease calling my work telephone number. On XXXX/XXXX/2015 I verbally told them to not call me at my work number on XXXX/XXXX/15 I received XXXX phone calls from them at my work, and on XXXX/XXXX/15 I received another call from them at my work number. Each time I requested them to stop calling my work phone number.
Product: Debt collection

I dont have knowledge to this account Date : XXXX XXXX {$570.00} Place in collection dont have no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX under {$500.00} are supposed to be removed according to the Consumer Financial Protection Bureau. Equifax has not removed an account like they were supposed to which damages me as a consumer. 

XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Alleged Balance : {$380.00}
Product: Debt collection

Credit cards were opened in my name in early- mid XX/XX/XXXX 1 - XXXX XXXX XXXX $XXXX OWEDDate opened XX/XX/XXXX - I was in XXXX at the time ( Please note that I have attached my flight confirmation advising that I was arriving in the USA from XXXX onXX/XX/XXXX)- This card was even paid towards several times before the person stopped using it.this card was used regularly at many places.It was even paid off before being left delinquent.---I was living in the USA on an exchange visa from XX/XX/XXXX - XX/XX/XXXXI arrived back in the USA late XX/XX/XXXX.I left the country again in XX/XX/XXXX.