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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My direct deposit has not been deposited in my account because of their technical difficulties. I need my check! Please help
Product: Credit reporting or other personal consumer reports

Experian was notified that the write off balance of {$550.00} for the account XXXX is inaccurate and failed to correct or verify this account. They are also reporting XXXX late payments, while XXXX does not report any late payments. I contacted the creditor XXXX XXXX, and they could not verify the information reporting. I must also mention that my payments were deferred due to covid, so I am not sure why this inaccurate information is on my consumer credit report. I sent a letter XX/XX/23, and this inconsistent information persist. Being that I have tried to remedy this problem and it has been 8 months, I will be seeking legal action if this account is not removed. I am requesting that Experian stop reporting for obvious FCRA non-compliance of inaccurate data furnished on the consumer report. Per 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation for not reporting 100 % accurately and should be removed from my credit report immediately. I have attached my credit report to show the discrepancies as well as my dispute letter, which is dated, and time stamped.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$380.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been recently informed that there is negative information reported by your company, Portfolio Recovery Associates, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see and entry listing a balance of {$490.00} as of XX/XX/2020. 

I challenge the accuracy, compliance and report-ability of this listing. I have no knowledge of every doing any business with your company. Please validate this information and provide me with copies of any documentation associated with this account, BEARING MY SIGNATURE. I am keeping careful record of your actions, including your Method of Verification. I don't consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this complaint letter may result in a small claims action against your company, seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXXccount Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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  XXXX  XXXX and XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently discovered a {$6500.00} charge on my credit from 2022. I was unaware of this until I reviewed my credit report. 

Upon contacting the collections agent, I requested an itemized receipt. The receipt indicated that no money was received or anyone ever moved into the unit. Notably, there was no lease initiation fee, security deposit, or first month rent. This discrepancy is concerning, as I was not entitled to the premises until the security deposit and first months rent had been received, as per my lease agreement section 2.4. 

The other issues is I was wrongfully consigned. I never gave anyone my permission or co signed on this lease.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Reinserted Information and Removal of Incorrect Information To Whom It May Concern, I am writing to dispute the reinsertion of information that was previously deleted from my credit report. The information in question was deleted as a result of a dispute I filed, but has now been reinserted without proper certification of its accuracy and completeness.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), any information that has been deleted from a credit report can not be reinserted unless the information provider certifies its accuracy and completeness. Furthermore, the credit reporting agency must notify me within five business days of the reinsertion, providing the name, address, and phone number of the information provider. 

Please provide me with : The name, address, and phone number of the information provider that certified the accuracy and completeness of the reinserted information. 
A description of the procedure used to determine the accuracy and completeness of the information. 
A free copy of my credit report reflecting the reinserted information. 
Additionally, I request that you conduct a reinvestigation of the reinserted information to ensure its accuracy and completeness. Please provide me with the results of the reinvestigation once it is completed. 

Furthermore, I have requested on numerous occasions for the removal of incorrect personal information from my credit report. This includes : Incorrect names Incorrect employer information Incorrect phone number Despite my previous requests, these inaccuracies remain on my credit report. Please correct these errors and provide confirmation once they have been addressed. 

Thank you for your prompt attention to these matters. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 


I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

CF P B : Capital One just closes this dispute since XXXX XXXX  (! ) without resolution Submitted many times and Capital closes as duplicate but NEVER answered with resolution letter Please ASK CAPITAL ONE for resoltion and finality on this matter I have sent recipts, answered their form, copy receipt every piece of documentation I could think of
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I recieved a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. After checking my most current report on Experian and XXXX the updated information stated this account was still being reported. The account can not be reported as a charge off on my credit report. PLEASE CEASE THE REPORTING AND DELETE THIS XXXX ACCTS # XXXX BOTH ACCTS ARE STILL BEING REPORTED i'M ATTACHING 1099C AND EXPERIAN AND XXXX REPORTING
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts are XXXX
Product: Credit reporting or other personal consumer reports

I'm filing this complaint for myself after finding late payments on my credit record. I sent letters over a XXXX ago but haven't gotten any response or adequate validation. I'm seeking your help to resolve this issue.
Product: Money transfer, virtual currency, or money service

A charge of XXXX dollars on XXXX was disputed with Venmo. There is a charge of XXXX dollars on XXXX that I DID initiate. The intended receiver received the XXXX dollars sent on XXXX, but did not receive the XXXX dollars that was charged from my bank account on XXXX. My Venmo account shows the valid transaction of XXXX dollars from XXXX, but the XXXX dollars that was charged on XXXX does not show on my Venmo account. I was provided a temporary credit of XXXX dollars by Venmo. Venmo denied my claim even after I provided a bank statement and screen shots of my Venmo account showing the fraudulent charge of XXXX dollars on XXXX. Venmo rescinded my XXXX dollar credit and has stopped all communication regarding this matter.
Product: Checking or savings account

On XX/XX/XXXX, XXXX inform me by e-mail to close my account. I called them they said they will send check for the remaining balance On XX/XX/XXXX, I got checks but its only partially of my remaining balance, there are another {$3400.00} remaining of my balance I called XXXX, they said this money is under investigation with no timeline provided They said those amount of money are from XXXX transaction which someone claim that I scam him Im a victim, I did money transfer for Thai people who want to transfer money from XXXX to XXXX ( I have money on XXXX bank account that I want to transfer to XXXX for buying condo ) I attached transaction screenshots for reference, every time he zelled me, I transfer money in Thai Baht to his Thai bank account with exchange rate XXXX per Dollar
Product: Credit reporting or other personal consumer reports

These accounts aren't mine accounts and are fraudulent. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  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 an account without my written instructions. 15 U.S.C. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I paid off my loan with Sensible Auto and received official documentation ( attached ) as proof of the payoff. Despite this, Sensible Auto continues to report the account negatively on all three major credit bureaus ( XXXX, XXXX, and XXXX ). I have made multiple attempts to address this issue, including disputes filed with the credit bureaus and direct contact with Sensible Auto. However, the negative reporting persists and has significantly impacted my credit score.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Sensible Auto has a legal obligation to ensure the accuracy of the information it reports to the credit bureaus. Specifically : 15 U.S.C. 1681s-2 ( a ) : Furnishers of information, such as Sensible Auto, must not report inaccurate information and are required to correct and update any inaccuracies once they become aware of them.

15 U.S.C. 1681i ( a ) : Credit bureaus must conduct a reasonable investigation of disputed information and update the credit report accordingly when evidence supports a consumers claim.

The continued negative reporting of an account that has been paid in full constitutes a clear violation of the FCRA. I have provided proof of payoff, including receipts and supporting evidence, with each dispute filed. Despite this, the disputes have been rejected without the necessary corrections being made.
Product: Debt collection

Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Debt collection

I notified my credit card company PenFed 3 times that I have filed bankruptcy and requested a cease and desist from phone calls, mail, and emails, but I still receive phone calls on a daily basis. 

I have provided the contact information for my attorney along with my bankruptcy case number. I did so in writing, and advised them that they were in violation of the Fair Debt Collection Practices Act, but they continue with the harassing phone calls and written communication. 

I also advised them if they do not comply with my request, that I would file a complaint with the Federal Fair Trade Commission, but that didn't help.
Product: Bank account or service

My husband deposited his XXXX loan check to CHASE BANK on XXXX XXXX, 2015. It was supposed to clear on XXXX XXXX. 
On XXXX XXXX he used his CHASE debit card to pay lunch and it went through. On XXXX XXXX when he paid his lunch, he found out he had no money in the bank. He went to CHASE BANK and was told his account was frozen because of suspicious activity. The XXXX loan check had already cleared according to the company but CHASE bank have and the rest of our money XXXX pay checks and all XXXX frozen. 
CHASE gave him some phone numbers to call since the local CHASE BANK could not deal with the issue but the " persons '' he talked to on the phone could not solve the issue either. You know how long you have to be on line before you reach a person when calling CHASE. And he was passed along from XXXX person to another. 
On XXXX XXXX we received a letter from CHASE dated XXXX XXXX stating that the bank is in the process of closing his account ( authored by XXXX XXXX XXXX. The bank would not even return the money we have already in the account before the XXXX loan check. We were completely crippled since we have our pay checks direct deposited to CHASE BANK. 
Our mortgage is also with CHASE BANK and of course we will be charged late fee for not paying on time. How are we to survive? We also have other bills and basic living commodities that we need money for. 
Is this another tactic, bank mumbo-jumbo to disable the consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect names are reporting on my credit report. 

XXXX, XXXX, XXXX Multiple addresses that is not not my correct address is reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX or XX/XX/XXXX I applied for financing through Carvana in which they asked for my Social Security number. They approved me and attempted to tell me that I needed a {$32000.00} cash down payment. I know this is illegal. I know that Im advertising and asking me for it is illegal when I questioned Carvanas support team they told me that they could not talk to me anymore
Product: Debt collection

Cavalry SVP I LLC served me with papers of a law suit involving a debt from XXXX XXXX XX/XX/XXXX. I have been requesting statements, and proof of this credit card application etc since then. On XX/XX/XXXX we had a mediation hearing where the attorney said that he would email statements, payments and other details. I have sent 4 emails in just the last week since the mediation and nothing has been sent. I have not been XXXX XXXX in 16 years and yet they claim I opened an account in XXXX with this name which would be fraud. All of my XXXX  records show that I use me bank card and a XXXX XXXX on occasion for payments. I have not received any evidence, or documentation that they claim in over a year.