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

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : I am writing to dispute the following information that your company supplied to MY CREDIT FILE I have circled the items I dispute on the attached copy of my credit reports. 



XXXX ( ACCOOUNT NUMBER : XXXX ) is inaccurate ] because EACH REPORT IS SHOWING A DIFFERENT OPEN DATE AND A DIFFERENT HIGH CREDIT BALANCE. NOT TO MENTION THE LAST REPORTED DATES ARE ALL DIFFERNT AND INACCURATE. 



XXXX XXXX ( ACCOUNT # XXXX ) HAS A DIFFERENT LAST REORTED BALANCE AND DATE WHICH NEED TO BE REMOVED FOR INACCURATECIES. 



XXXX  ( ACCOUNT # XXXX ) THIS ITEM WAS REMOVED FROM OTHER THREE REPORTS AND SHOULD BE REMOVED FROM ALL REPORTS. 



XXXX XXXX XXXX ( XXXX ) THE DATE OF LAST ACTIVETY IS INACCURATE AND SHOULD BE DELTED OFF MY REPORT. SHOWING DIFFERENT LAST ACTIVE DATE ON EACH REPORT. 



XXXX XXXX XXXX ( ACCOUNT # XXXX ) THIS ACCOUNT IS BEING REPORTED INACCURATE FOR A DIFFERENT LAST REPORTED DATE, LAST ACTIVE DATE AND REPORTING LATE PAYMENTS. LATE PAYMENTS SHOULD NOT BE REPORTED UNDER A COLLECTION AGENCY. 



These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report Unas following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately Enclosed are copies of [ my credit report and other documents enclosed with supporting my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided XXXX  and XXXX with copies of the court document showing proof the Judge granted the Judgement in my favor. XXXX and XXXX have contacted the collection agency twice to verify the account. The did not contact the court involved and verify the information proving the Judgement was in my favor and this item should be removed from my credit reports. I filed a complaint with CFPB on XXXX less than 30 days ago and they till verified with the collection agency rather than the courts. They still refuse to remove this collection from my report. This is the first report with XXXX. XXXX  has removed the item as they verified the documentation.
Product: Checking or savings account

I bank with Chime in XXXX my debit card was taken by my XXXX XXXX I had made a police report who had taken it. Once I got it back which XXXX was withdrawed from my account. That was suppose to be my rent money. I spoke to Chime Customer service and so they closed the debit card and issued a new card. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reported it to Chime on XXXX XXXX which I had given them the police report number. The detective from XXXX had called me and was wanting to know when Chime was issuing the XXXX into my account. I spoke to Chime they said it would take a XXXX  before they would put it back to my account. Then I called a XXXX XXXX he wouldn't let me talk to a XXXX because he told me that the case was closed. So I never got no refund back.
Product: Credit reporting or other personal consumer reports

I sincerely asked for the company to get this account removed from my credit report due to inaccurate reporting but they are not doing anything at all.
Product: Checking or savings account

Wells Fargo hold our company around XXXX XXXX USD fund, and not to return.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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 ) ( 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

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, Equifax, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, Equifax, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect a " paid as agreed status, '' ensuring the absence of any derogatory remarks such as collections, charge-offs, or late payments, and with no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please remove the account from my file : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$340.00} on the XXXX  XXXX   partial account number XXXX ; XXXX   and Transunion should not be reporting a collection/chargeoff in the amount of {$690.00} on the XXXX  XXXX  partial account number XXXX ; Transunion should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX  XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/19 I submitted a dispute to Equifax regarding the XXXX XXXX XXXX account that is reporting. Equifax stated the account was valid. on XX/XX/19 I requested Equifax provide me with the details on how they validated this account. Equifax has not provided me with the details on how they validated the account. Equifax is in violation for not providing me with the information I requested. I also reached out to XXXX XXXX XXXX and requested validation of the account. They also have not provided me with the information. So clearly this account was never validated and can not be validated.
Product: Checking or savings account

XX/XX/2022 i was charged {$220.00} by XXXX that same day the order was canceled and I was charged for 1 item which left me with {$210.00} for a refund. XXXX released the funds that day. On XX/XX/2022 my bank account chime settled the transaction and then put it back into pending. I called chime and they said XXXX was responsible for the pending transaction I called XXXX and the billing department explained they released the hold they had on the account and a refund was issued and it was up to chime to release the funds. I again called chime and they said XXXX didnt release the funds. From then on XXXX me and chime did a conference call in which XXXX billing explained they released the funds and chime should release the funds on my account as well they then informed me I would not be getting my refund. I have called chime over 10 times and no one can explain why the transaction settled then went back into pending or why or where are my funds in the first place. They WILL not help me they will not answer my questions and I need help!
Product: Mortgage

We are currently paying a mortgage with a 11 % interest rate and the property is under water. We have repeatedly tried to seek a modification with Greentree but they are not sending us the required documents to submit or they are not responding at all to our requests for assistance. We have been struggling to pay the XXXX monthly payment for over XXXX years and really need assistance at this very crucial time. Greentree has avoided us for over a year and we are desperately in need of assistance.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Federal Trade Commission, I am writing to file a formal complaint regarding inaccurate information on my Equifax credit report. Specifically, Equifax has been violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by incorrectly reporting the payment date for my XXXX credit card account. 

According to my credit report, Equifax has been stating that my XXXX credit card is reported on the XXXX of every month. However, this is not accurate. I have included copies of my actual credit card statements, which clearly show the correct closing date for this account. 

Despite providing this supporting documentation to Equifax, they have continued to use the inaccurate information on my credit report. This has had a negative impact on my credit score, which I believe Equifax is using for their own financial gain in violation of the law. 

I have attempted to resolve this issue directly with Equifax, but they have failed to correct the inaccurate reporting. As a result, I am now turning to your agencies for assistance. 

I am requesting that the CFPB and FTC investigate this matter and ensure that my credit score is restored to its proper level, free of the incorrect information provided by Equifax. This unlawful conduct has caused me significant financial harm, and I expect a prompt resolution to this issue. 

Please let me know if you require any additional information from me to aid in your investigation. I appreciate your attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/24 Cash App text me alarming me someone had hacked my account and I replied fraud.The following morning on the XXXX my brother who sends me the same amount every month paid his rent and within seconds before I transferred the funds to my bank account the hacker withdrew my funds.They also attempted to hack my my credit card and debit card attached to my account.However my back immediately realized it was fraud and blocked my cards and refunded my money! CASH APP has taken no responsibility and have been of no assistance resolving this matter.I will be more than happy to provide any additional information upon request.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Have been trying to close a credit card account with Citi ... they said the account was closed but refused to provide confirmation that the account has been closed. I am still receiving e-mail and postal mail correspondences on the closed account.
Product: Debt collection

I am being accused of having a Discover Card debt that I did n't pay off, so Discover has turned over the account to another company ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!
Product: Debt collection

Company calls me daily. Ive already submitted a complaint against them but they continue to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are working to settle a gap claim with regional acceptance. It has been handled incorrectly on multiple issues. 
1 - payment was made in their website on XX/XX/XXXX, with a posting date on XX/XX/XXXX. The payment never correctly posted. Although my payment register does show a payment they could not explain to me. They refuse to remove a 30 day late that is not accurate due to their technical issues when site clearly showed a payment. 
2 - regional acceptance has failed to post a check in excess of XXXX that gap sent them on XX/XX/27 therefore I have to continue paying interest on a larger amount than truly owed.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for Navient to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX XXXX XXXXXXXX Last 4 digit SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my drivers license, drivers license records with proof of addresses, social security cards for me and my minor children, birth certificates, for a total of 17 times since XXXX and I never received the false information removed, or copies of my credit report via mail. I get a correspondence mail saying they need the information that I already provided. There are inquires for XXXX XXXX XXXX XXXX XXXX XXXX 7 times and I dont use it, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, EQUIFAX XXXX XXXX, EQUIFAX 8 times in one day, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX using my name at XXXX XXXX XXXX XXXXXXXX SC XXXX I filed the police report they said all they can do is file thats it, XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX sc XXXX, XXXX ADDRESSES, XXXX, XXXX, XXXX, XXXX, XXXX, - Phone Numbers, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SHOWS I HAD AN ACCT WITH THEM YEARS AGO AND NEVER DID, XXXX XXXX XXXX REPORTED FALSE EVICTIONS CAUSING ME AND MY KIDS IN XXXX not to get housing false payment reports and using other peoples address in my file, XXXX XXXX FOR XXXX someone opened account using an address I wasnt living at but my drivers records shows someone changed my address via online over 9 times without my knowledge, XXXX XXXX  FOR A MEDICAL BILL NOT MINE, XXXX accused me of XXXX  XXXX  but the address on file was incorrect and sent to an. Address I was never afflicated with, wasnt able to purchase a car due to false auto information on the report, unable to get insurance due to false insurance information, unauthorized XXXX accounts opened with out knowledge with a XXXX bill not mine the address again is not where I was living at the time. There were insurance companies I was never afflicated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

A vehicle lease was opened fraudulently in my name, I contacted XXXX first and they verified the account as accurate and told me to contact the furnisher. I made a complaint to the consumer financial protection bureau about XXXX and contacted Gm financial directly. I sent them a letter of validation as required by the financial credit reporting act requesting all the documents with my signature and matching identifiable characteristics. Please note : I never received what I asked them for, instead they sent me a fraud packet to fill out and a list of identity documents to submit which included. Birth certificate, copy of social security card, drivers license, passport, phone bill, police report. This dispute has been going on for over 1 year and a half with no corrective measures taken. This XXXX I received a letter from Gm Financial stating that their records indicate a credit application was submitted fraudulently in my name by XXXX XXXX and is invalid due to identity theft. This letter also stated that the account will be removed within 30-45 days. I have since contacted Gm financial being that 45 day period expired to inquire about the account remaining on my report and they denied having any knowledge of any letter that was sent to me regarding the removal of this fraudulent account. Below I have attached the actual letter and envelope it came in, please take note of the dates on both.
Product: Mortgage

I applied for a mortgage, submitted all requested documents and 2 weeks before closing, new documents were being requested and I was being asked to put a significantly larger down payment. 

Lender refused to accept my XXXX payments because I could not prove that the payments would counting for 3 years. I was not asked to prove that my wage income was going to continue for 3 years and I believe I was discriminated against due to my XXXX  and XXXX
Product: Credit reporting or other personal consumer reports

My data was leaked during the Equifax data breach. Since then I have seen unrecognized accounts on my credit report along with my email being leaked as well during the breach.
Product: Student loan

I received an email from Nelnet letting me know that student loan payments would resume in XXXX. My next payment would be due in XXXX. I made said payment an entire month early, on XX/XX/. Since I made the XXXX payment, I shouldnt have needed to make another payment till XXXX. At the end of XXXX my account said that I owed over {$900.00} and it shows interest. I made the payment already, so theres no way I shouldve owed {$900.00} and theres no way my account shouldve gained any interest. I made the payment and even emailed them to let them know that there was no way I owed {$900.00}. Paying the {$900.00} shouldve covered my loan payments for XXXX & XXXX, but now theyre telling me I owe a payment for XXXX. Its as if they took my early payment in XXXX and decided not to apply it to my student loan, while charging interest and falsely claiming I was late on a payment. I emailed them at the end of XXXX and have not received a response yet. It is also near impossible to get in contact over the phone. This allows Nelnet to pretty much do whatever they please while claiming theyre having difficulties leaving borrowers with no way to even contact them.
Product: Debt collection

The debtbwas charged off from another company XXXX in XXXX XXXX. LVNV purchase the debit with out my consent. They are trying to see me for the debt. Filed a motion to dismissed.
Product: Credit card or prepaid card

Capital one {$560.00} Account # XXXX