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

From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX. XXXX   XXXX XXXX XXXX, NY XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are reporting invalid, inconsistent information between credit agencies. 
Per viewing my credit report, I notice an account from your company with account # XXXX, Transunion, XXXX   and XXXX are reporting this account as derogatory with different reporting information. For instance, Transunion reporting high credit as XXXX and credit limit as XXXX. XXXX reporting account balance as XXXX and credit limit as XXXX and XXXX is reporting high credit as XXXX and credit limit as XXXX, delete per violation because you can not report inaccurate information between credit agencies. 

In addition, per my pervious request, I submitted proof showing XXXX was reporting this account as current for the past 2-year payment history and how you changed it to C/O, because you know the information was inaccurate, now I have valid proof you agreed with my first request, delete this account per violation. 

Please be advised, I have enclosed a copy of the 1st reporting and the 2nd reporting as proof that the changes were made because I proved my first dispute was valid.
Product: Credit reporting or other personal consumer reports

The U.S. Dept of Education is reporting a fraudulent debt of {$2900.00} from XXXX  years ago. 
The Dept of Education created a fraudulent payment history.

I am writing to correct this inaccurate information.

The account number reported is : XXXXXXXX This is FRAUDULENT. This ALLEGED DEBT is misleading to the extent that it has affected my credit report, decreased my credit score and it is patently incorrect.

This is not my account. 
This is a FAKE PAYMENT HISTORY furnished. 
There should not be a payment history because this is not my account and I have never made a payment. 
This account is beyond the XXXX of Limitations. 



Thank you
Product: Money transfer, virtual currency, or money service

Here below are the references for the transaction I made on the XXXX website on XX/XX/2020 Order # XXXX Purchased from XXXX  on XX/XX/2020 {$410.00} 100 % XXXX  XXXX XXXX XXXX XXXX  Transaction # XXXX Quantity : 1 The seller sent me a tracking number of the sending with XXXX that was a fake one. I never received the item as you can see in my review of the transaction with that seller. 
Your Review Very disappointing. This seller is a scammer. Please, for your good, keep the name and, and especially the picture of this watch in mind because you may see it under a different seller 's name. This is how that scammer operates : he will reassure and send you a " real fake '' XXXX tracking number after receiving the payment. And after, when you check the status of the sending, you will read that the item was delivered and he will no longer answer your messages. 

I then filled a complaint with XXXX. They told me that the complaint should be filled with Paypal because the payment was received by them. 
I filled my complaint with Paypal and in response, they told me that they are closing my case because the seller had provided a tracking number showing that the item was delivered and if I want, I can submit a complaint with my financial institution XXXX XXXX XXXX XXXX, what I did. 
In response, XXXX XXXX told me that they not examining my case because it has been closed by PayPal. 
I decided to submit the tracking number to XXXX asking to confirm whether the related item has been delivered and if not, to let me know if the item was still in their facilities. In response, XXXX told me that the submitted tracking number has nothing to do with me and they were well aware of this kind of scam. 
I forwarded XXXX 's response to both Paypal and XXXX XXXX and they are still ignoring me. 
Many thanks in advance to examine my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous information ( liens and bankruptcy ) being reported on all 3 of my credit reports.
Product: Credit card

On XX/XX/23 my online Capital One QuicksilverOne card application was approved with a {$300.00} limit & annual fee. The day after I successfully set up online login, Capital One stated I wasn't me & demanded I upload my gov't issued identification for verification, which I did not do. As my data was previously approved by this company, this clearly demonstrated data mishandling. On XX/XX/23 I contacted the company at XXXX to close account, & confirmation letter was promised. Today, XX/XX/23 I received email stating my card ending in XXXX has been mailed. After today 's follow-up call, I was informed the fraud department is now handling an account this company refuses to close, which now appears as an attempt to steal my data & charge annual fee.
Product: Credit card

On XXXX XX/XX/year> I sent a letter to inform Citi that I would like to exercise the OPT OUT option pursuant to 15 USC Code 6802 ( a ) ( b ) ( 1 ) ( C ). I asked CITI to stop sharing my nonpublic personal information with any nonaffiliated third party.

CITI reply letter dated XXXX XX/XX/year> states : account is still subject to CITI 's Arbitration provision, because you did not mail your preference to OPT OUT by the deadline CITI established. Completely ignoring the ( FCRA ) and violating my right to privacy.
Product: Consumer Loan

Loan Balance never going down and I 've been paying on time every month.
Product: Mortgage

In XXXX, I purchased solar panels for Ygrene. The salesperson emphasized that my monthly installment payments would be amortized over 40 years and included in my property taxes, assuring me that these payments would not increase substantially. 

Recently, while applying for a HELOC ( approximately available equity of {$700.00} ) with my local credit union, I was surprised to learn that a lien had been placed on my property due to the solar panel installation, something that Ygrene failed to disclose at the time of purchase I have since discovered that on XX/XX/XXXX, Ygrene was sued and held liable for engaging in deceptive and unfair practices in violation of Section 5 of the FTC Act ( 15 U.S.C. 45 ( a ) ( n ) ), the Mortgage Acts and Practices - Advertising Rule ( Regulation N, 12CFR Part 1014 ), and California 's Unfair Competition Law ( Business and Professions Code 17200 ). These violations pertain to the marketing and sale of residential Prooperty Assessed Clean Energy ( PACE ) financing. 

At NO point did Ygrene disclose that a tax lien would be placed on my property as a result of this financing. Had I been fully informed of this, I would not have proceeded with such a major purchase. 

Attached are court transcripts ( Federal Trade Commission and the People of the State of California v. Ygrene Energy Fund Inc. ) for reference. Additionally, news reports and videos are available on platforms like XXXX and XXXX further highlight Ygrene 's deceptive practices. 


Your PROMPT attention to this matter is greatly appreciated.. 

Thank you
Product: Credit card or prepaid card

I am filing a complaint against Macys/DSNB because they are attempting to collect a debt that I do not owe them. That debt has been paid and the account was closed. Account Name, Macys/DSNB, Account Number, XXXX.
Product: Debt collection

A collection of {$520.00} appeared on my credit report on XX/XX/2020 for a bill that was included in my bankruptcy. I called Credit Management LP on XX/XX/2020 to explain this should not have been reported to the credit bureaus. They told me they would notate that my account was a chapter XXXX bankruptcy but did not give me any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I made a call with a loan agent from Wells Fargo for mortgage pre-approval. I was advised by the loan agent to submit an online pre-approval application right away, even I told them I may not be ready to buy a home for a few months. The agent then sent me an email with a name card and application link ( see attached files ). Right after I submitted the online application following the link, my and my wife 's credit score was hard inquired, while we thought it was only to collect our information. No explicit consents were obtained during the application, and we didn't signing anything.

We later decided to not want the pre-approval letter, due to the uncertain market. But Wells Fargo told us they won't reverse this check, mentioning it is part of their standard process.

I believe Wells Fargo 's process doesn't conform to the FCRA. They never obtain our explicit consents and their loan agent misled us to apply for something we don't immediately need, just so they can have better chance to loan more money out.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate service and unfair practices, which violates the Consumer Financial Protection Act. 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 is process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, in addressing disputes regarding inaccurate information on my credit report. Equifax snegligence has directly impacted my financial well-being and access to essential opportunities, including credit, employment, and housing. 
I was also exposed to the XXXX Equifax Data Breach. 
I have submitted a dispute to Equifax regarding inaccurate or false information on my credit report. The disputed items include XXXX. XXXX  XXXX XXXX XXXX XXXX has a balance of {$610000.00} but also a high balance of {$550000.00} However it was discharged on XX/XX/XXXX and currently has a {$0.00} Balance. 
Extra ACCT XXXX has a past due reporting dates of 30,60, and 120 days in XXXX. It was never late and the high balance of {$62.00} is incorrect XXXX XXXX  XXXX : XXXX refuses to provide a debt release by the original creditor. This violates FCRA XXXX XXXX : XXXX, XXXX, XXXX XXXX ( b ) ; XXXX XXXX XXXX  XXXX XXXX  : XXXX It is being reported as a Charge off. That is incorrect. The account has been paid in full since was closed on XX/XX/XXXX Despite my efforts to provide detailed explanations and supporting documentation, Equifax failed to fulfill its responsibilities under the FCRA, including : XXXX. Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i ( a ) ( XXXX ), XXXX is required to investigate disputes within 30 days. However, XXXX failed to conduct a proper investigation, which is a violation of this provision. 
XXXX. Failure to Notify Consumers of Investigation Results : According to 15 U.S.C. 1681i ( a ) ( 6 ), XXXX must notify consumers of the results of their investigation within five business days of its completion. I did not receive adequate communication regarding the status or results of my dispute. 
XXXX. Failure to Correct or Delete Inaccurate Information : As mandated by 15 U.S.C. 1681i ( a ) ( 5 ), when information is found to be inaccurate, incomplete, or unverifiable, XXXX must promptly delete or correct it. The disputed items remain on my report despite clear evidence demonstrating their inaccuracy. This has caused me denial of credit, higher interest rates, loss of job opportunities, and emotional distress.
Product: Mortgage

XX/XX/year>, I received an email from XXXX which is some kind of financial bank business that stated that I was not approved for a loan that I applied for. The email had information pertaining to my credit that was not true. I did not apply for an equity line of credit loan from this company. I called them to inform them about this email and they attempted to get additional personal information from me to inquire about the loan. I explained again that I did not apply for a loan and will not provide my social security and date of birth. They would not give me any information to report this as a fraud through their company. they just aggressively tried to get more personal information to process an inquiry. I am attaching the email as documentation which seems to be a phishing scam to get the recipient to give additional information and run an inquiry on your credit. I checked my credit report to be sure and there were no inquiries from XXXX.
Product: Vehicle loan or lease

I bought a used truck from Carvana last year. Carvana uses XXXX to service the loan. I have requested multiple times by phone and by email to both XXXX and Carvana to provide paper statements each month. They flat refuse. 

It is my understanding that the E-Sign Act requires them to supply paper statements unless I opt-in to paperless.I do not remember doing this in anything I have signed. In any case, the E-Sign Act also allows me to opt-out of paperless as well. 

I need the CFPB to intervene and demand their compliance with this Federal Law on my behalf. This means that I want to receive paper statements every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and I have sent in a police report months ago and these accounts should have been removed. I also have an letter of incarceration inwhich proves I'm not responsible for these accounts nor do I have any contract with any of the following companies and asking that these accounts be removed immediately. 

1 ) XXXX {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX XXXX {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

after multiple letters sent to the company i have yet to get any reponse. We are currently at past 60 days and have yet to investigate my request. The information on my credit isnt correct and is causing much emotional distress for I'am being ignored. my original letter was sent on XX/XX/XXXX of 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 USC Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

UnAuthorized Inqueries on my credit report
Product: Checking or savings account

I made a XXXX cash deposit on XXXX at XXXX XXXX XXXX XXXX XXXX Va when the atm took my cash and didn't credit it to my account I filed a dispute the claim number is XXXX which I woke up to see my claim was denied I want a full investigation I attach a picture of the receipt showing that I made a deposit I make atm deposit all the times please help and fix my account
Product: Debt collection

EQUIFAX HAS LISTED THIS FRUADULENT ACCOUNT ON MY CREDIT REPORT WHICH IS NOT MINE THIS IS IDENITY THEIF.
Product: Debt collection

Account Name : PERSONIFY  Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 Balance : {$15000.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX have Collection accounts and inquiries that are fraudulent and do not belong to me. THERE WAS NO PERMISSIBLE PURPOSE AS PER THE FCRA LAW, I DID NOT APPLY FOR LOANS OR CREDIT. As well, they have several variations of my name, inaccurate addresses that do not belong to me, attached to some of these fraudulent inquiries and collection accounts which is causing financial damage because the information is inaccurate yet its causing me to lose job opportunities, etc. I have not contracts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or the alleged, original creditors. 

THE ONLY NAME, ADDRESS AND NUMBER THAT SHOULD BE ON MY REPORTS ARE : Update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX, XXXX [ XXXX XXXX ] [ Equifax XXXX XXXXXXXX XXXX XXXX [ XXXX XXXX XXXX, XXXX XXXX GA XXXX ] [ Account Number XXXX ] I am writing to formally dispute the following account reported on my credit report : Creditor Name : XXXXXXXX XXXXk Date Listed : [ XXXX XXXX ] Under 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I request that you provide documentation showing I authorized the reporting of this charge-off.

In addition, under FDCPA Regulation 1006.30 ( a ), I request validation of this debt, including proof of legal assignment, transfer, or sale of the account. 
If this account can not be verified and validated with supporting documentation, I request that it be removed from my credit report immediately as required by federal law. 
Please respond to this request within 30 days of receipt. If you can not provide proper validation, I expect this account to be deleted without delay. 
Thank you for your attention to this matter.
Product: Debt collection

I was threatened by the collections company. That I would be sued. Judgment and jail time. For both accounts that are old debts
Product: Credit reporting, credit repair services, or other personal consumer reports

i was trying to open a new credit card account and equifax has a freeze credit on the account, i dont know why. i tried calling equifax about the issue and they can't find me in their system so i have no idea where to get the help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was opened XX/XX/XXXX but none of the payment history from XXXX XXXX XX/XX/XXXX is provided. Please provide full payment history. 

US Bankruptcy Court # XXXX is missing the full docket number and the city and the state of the court. Please provide full docket number and court information. 

XXXX XXXX # XXXX the entire payment history is missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX  account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had to disconnect my accounts to stop a cancellation which I requested. They required calling them ( which I did ) or offered a XXXX XXXX XXXX yeah... right ... .not. ) they still tried to bill me. 

Let 's keep this short and simple. " XXXX XXXX '' should be fair trade. The ease of subscribing should be match with an ease of subscribing. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. It's been well over 30 days and noting have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been over 30 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the XXXX data breach. 

Additionally, on XX/XX/2022, a demand to comply letter was sent awaiting response