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

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXXXXXX XX/XX/year> {$290.00}
Product: Debt collection

This is a business and someone named XXXX XXXX called to verify employment asking for personal information about our employee including his social security number and when we ask them who they are and what it is for they are evasive. They have called two days in a row after being told we would not provide the information they are requesting. I looked their number up online and there are multiple complaints that this company is called RNN Group and that they are shady. We want their number blocked from the ability to call and harass this business.
Product: Debt collection

I am writing to bring to your immediate attention a serious matter regarding the inaccurate information present on my credit report. After a thorough review of my credit report, I have identified an error that demands your urgent attention and correction. I was the victim & I'm 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. 
Upon reviewing my credit report, I discovered that there is an identity-related entry that does not belong to me. This discrepancy is causing severe harm to my creditworthiness and financial standing. The inaccurate information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to emphasize the urgency of this matter and request that you promptly investigate and rectify this error. This erroneous information is not only damaging my credit score but also poses a significant risk to my financial well-being. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate information on my credit report. I am exercising this right and demanding the immediate removal of the incorrect identity information mentioned above. 
I expect you to conduct a thorough and expedited investigation into this matter and ensure that my credit report accurately reflects my identity. Failure to address this issue promptly will leave me with no choice but to pursue legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX  Subject : Dispute of Inaccurate Bankruptcy Reporting by Experian Violation of FCRA, FDCPA, and CFPB Regulations To Whom It May Concern, I am writing to formally dispute Experians inaccurate reporting of a bankruptcy and associated accounts on my credit report. Experian did not obtain this bankruptcy information directly from the court, which calls into question the accuracy of their reporting. This violates multiple consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Since Experian did not verify this bankruptcy directly with the court, the information is unverified and inaccurate.

1681i : Consumers have the right to dispute inaccurate information, and credit reporting agencies must investigate and correct any errors within 30 days. 
1681c ( a ) ( 1 ) : A bankruptcy must be reported accurately and can not be listed for more than 10 years. If Experians source for the bankruptcy is not the court itself, they are misrepresenting the source and validity of this information.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 ( If a debt collector is involved ) 1692e ( 8 ) : It is illegal for a debt collector to report false or misleading information to a credit reporting agency. If any debt collector is reporting this bankruptcy information inaccurately, this would constitute a direct violation of the FDCPA. 
3. Consumer Financial Protection Bureau ( CFPB ) Regulations Under CFPB guidance, credit bureaus must ensure they are using reliable and verifiable sources. Reporting bankruptcy information without court verification is deceptive and misleading, violating CFPBs prohibition against unfair, deceptive, or abusive acts or practices ( UDAAP ).

Because Experian is failing to comply with these laws, I demand that the inaccurate bankruptcy and all associated accounts be removed from my credit report immediately. I have attached a copy of my credit report with the disputed information
highlighted, along with any supporting documentation.

Failure to correct this violation may result in further action, including formal complaints to the Federal Trade Commission ( FTC ), CFPB, and potential legal recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against TD Auto Finance regarding the handling of my auto loan account and the inaccurate reporting of a remaining balance on my credit report after my vehicle was repossessed and sold. 
In XXXX, 2019, TD Auto Finance repossessed my vehicle, which was sold at auction for {$21000.00}. However, my credit report continues to reflect an outstanding balance of {$26000.00}, despite the vehicles sale. Additionally, I have not received any documentation or tax forms from TD Auto Finance that outline the sale of the vehicle, nor have I been provided with any information regarding the write-off of the deficiency balance. 
Under the Fair Credit Reporting Act ( FCRA ), I believe that TD Auto Finance has failed to accurately report the status of the loan and the sale of the vehicle, leaving me with an inaccurate credit report. Additionally, without receiving any tax documentation or proof of the loan balance adjustment, I am unable to verify the amount that remains due. 
I respectfully request that the CFPB investigate this matter and assist in ensuring that TD Auto Finance corrects the inaccurate reporting on my credit file, provides the required tax documents, and clarifies the remaining balance on my account. 
Thank you for your attention to this matter.
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 which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I would like to file another Fair Credit Report Act violation against this credit bureau. On XXXX XXXX this credit bureau got a request from me for ''There method of verification '' as it pertains to a XXXX XXXX XXXX account that is reporting on my credit report. The Fair Credit Reporting Act states that the credit bureau must provide me with this information within 15 days after they get my request. To this date XX/XX/2022 more than 9 months later and I have not gotten it. All i have gotten from this credit bureau is the procedure that credit bureaus should follow when verifying an account. I recently submitted another request for the method of verification but to this date I have not gotten the method of verification. The fair credit reporting act states that if i dont get that method of verification within 15 days after the request was made then the item should be deleted from my credit report. This credit bureau has refused to provide the method of verification or delete the item from my credit report. This is one of the issues that we will use in our lawsuit against this bureau to get this item deleted from my credit report.

Kindly see file attached showing a receipt from the postal service showing that the credit bureau got my request for there method of verification but have failed to provide it. 
I NEVER GOT A DETAILED METHOD OF VERIFICATION FROM THIS CREDIT BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent disputes about negative items on my credit report.Some items are over seven years old I do not recognize some of the negative items.In XX/XX/2022 after many online disputes i sent certified letters with copies of my identification along with letters being notorized requesting validation of all debts reported on my credit reports with the original signed by me copies of the agreements sent to me or to have these items immediatly removed from my credit reports.I have not received any responce from transunion, XXXX, or XXXX.The XXXX  account on my report shows to be past due and unpaid however if you check the accuracy you will find i pay them XXXX every week and can prove this.I also have been paying on that account for XXXX  years if you look at it.By XXXXXXXX XXXX on records i can prove i have paid XXXX in interest alone on that account.I am also a victim of XXXX  XXXX  letting a company called XXXX XXXX pull multiple hard credit pulls on me that were not authorized.I have disputed this many times with no results.My credit reports are not correct with multiple innaccuracies easily seen.I am wanting these incorrect items removed immediatly as it is hinduring my ability to live and function properly.Thank you
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

THE DATES FROM XX/XX/XXXX TO XX/XX/XXXX ARE INCORRECT WITH THE LATE PAYMENTS.I SHOULD HAVE NO LATE PAYMENT WITH THIS COMPANY.
Product: Credit reporting or other personal consumer reports

In late XXXX of 2023, I was applying for a new car at my home bank. When they did a hard pull on my credit, they told me that student loans at XXXX were on there twice, each for {$84000.00}. 
We had consolidated that {$84000.00} with XXXX in XXXX of 2023. The XXXX amount of {$84000.00} is also on there. It appears that I have a student loan debt of {$310.00}, XXXX, when in reality I have a student loan debt of {$140000.00}. XXXX never removed the debt after the consolidation with XXXX in XXXX of 2023. 
In XXXX I called XXXX and when I started to tell the representative XXXX XXXX ) about my issue with my credit report, she interrupted me and said " It is not our fault, it is the fault of the Credit reporting companies. '' She explained that the same thing had happened to her and I need to file a dispute with Experian. She said there was nothing, no accounts, listed on her records at XXXX under my name or of my husband 's. I am the co-signer. 
I then called Experian and talked to XXXX about the situation. He first said that I am about the XXXX person this week to complain about XXXX. He filed the complaint for me. 
I received a result in XXXX XXXX saying the the dispute was completed and information was correct. But it is NOT! 
As I am writing this on XXXX, 2023, XXXX is listed on my credit report with amounts of {$84.00}, XXXX twice! 
I have enough student debt for our sons, without adding another {$160000.00}. This information is ruining my credit score. 
I am asking CFPB to demand that XXXX removes this incorrect information from my credit report as soon as possible. It seems that these companies are above the law. 
Thank you for your understanding and help.
Product: Consumer Loan

I have an installment loan out with Oklahoma Credit in XXXX, OK They have called my cell phone numerous times from unknown/blocked numbers. I have asked them to stop doing so for the simple fact that I do not answer calls from such calls, which results me in not knowing they are trying to get in reach with me regards to my loan. I know it is against CFPB regulations for the company to hide their identity, which is what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is {$400.00} and I have contacted both XXXX and the XXXX XXXX and has not received a response to my compliant.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

When I spoke with Wells Fargo on XX/XX/XXXX they told me they had foreclosed on my home while I was in the middle of a refinance with a qualified co-signer. At that time they told me I had three options, One was to contact a Federal Program that Wells had declined to work with before, the second was to pay off the total amount I owed in arears, and lastly to re-apply for a modification with their re-entry department, which I did immediately on the phone Wells Fargo representative XXXX XXXX. 
XXXX informed me that all I needed to do was send them two pages of their modification application and that I would know within 3 days of their answer. 
In today 's mail, I received a letter from the XXXX County District Attorney about Foreclosure Fraud Alerts. I says that in fact my home was foreclosed on XX/XX/XXXX and that Wells can  not foreclose when I am in a modification process. 
Can I please get some help from this unscrupulous company who has refused to work with XXXX XXXX XXXX XXXX and XXXX even though I qualify for a modification, and they foreclosed on in the court, without notifying me, while I was in a modification process and all to short sell my property with over 600k in equity. 
Attached is the letter from the DA and my fax receipt of the modification papers with a stamped date. 
I am a XXXX woman with a XXXX child, please help.
Product: Debt collection

bank of America XX/XX/17 account opened in my name I was XXXX  I cant XXXX XXXX XXXX due to a XXXX  while I was XXXX XXXX. the company said I was lying and I must pay
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX 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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/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, credit repair services, or other personal consumer reports

I called the company USAA & was told I could skip a payment by extending my autoloan by a month which I requested. The following month I found out I wasnt eligible being that my car loan was less than a year old. Being that they didnt auto draft my payment Im under the impression everything is as discussed so when I notice my payment the following month says late so I contacted them & thats when Im informed of the situation. Ive disputed, called them & explained. A couple of times the employees have understood & actually saw the notes but said they didnt have the authority to change it since a 2-4 months had passed. They forwarded me to their XXXX  department to file another dispute which led me here. I literally just got off the phone with USAA & they sympathized but instead of admitting fault and doing the right thing by removing the 30 day late notice from my credit report, they have to understandably support the USAA & coworkers.  Understandably I have to do whats best for me & I will not stop until it is removed. I will not be punished by USAA for being misinformed by USAA.
Product: Debt collection

A company identified as IC Systems contacted me by telephone at my job about a week ago and wanted me to " verify my address ''. Because I had no established relationship with them and did not know who they were I refused to give any information and asked that they not contact me on my work number again. They have since called the company repeatedly, prior to my work hours, and have disconnected or hang up the call as soon as someone answers other than me. I was told they asked what was a good time to reach me and was told after XXXX XXXX. Since I spoke with them about a week ago ( after XXXX ), their names appears on my employers call log on at least two occasions -- most recently this morning ( XXXX XXXX, 2016 ) at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I AM ONE TO CHECK MY CREDIT OFTEN. TODAY I NOTICED THERE WAS A NEW ACCT OPENED ON MY REPORT FROM YOU ALL. AS WELL AS DROPPED MY SCORES DRASTICALLY..THE ONLY TWO IM AWARE OF ARE THE ONES IVE HAD FOR A COUPLE YEAR THATS CLOSED AND IM PAYING OFF CURRENTLY. SO IMMEDIATELY AFTER NOTICING THAT I CALL CAPITAL ONE AND HEAR ON THE AUTOMATED PROMPTS THERE WAS A NEW CARD ENDING IN XXXX OR WHATEVER OPENED THAT IM UNAWARE OF AND IT ALSO DROPPED MY SCORES ON ALL THREE BUREAUS. I SPOKE WITH REP THIS EVENING AND SHE TOLD ME THAT THIS WAS NOT A NEW CARD. THAT IN FACT THIS WAS AN OLD ACCT OF MINES FROM I DONT KNOW WHEN. MY THINGS IS. HOW ARE YOU SOBS GON NA RUN MY CREDIT WITHOUT MY KNOWLEDGE THEN REOPEN AN OLD ACCOUNT AND SLAP IT ON MY CREDIT. THATS ILLEGAL AND UNETHICAL UNDER FCRA. THATS. VIOLATION. YOU ALL BETTER REMOVE THIS XXXX IMMEDIATELY BECAUSE IVE NEVER SEEN ANY XXXX LIKE THIS BEFORE AND XXXX XXXX. I GAVE YOU ALL NO PERMISSION TO USE MY SOCIAL SECURITY NUMBER TO RERUN FOR AN OLD ACCT THAT I DONT EVEN REMEMBER. FACT OF THE MATTER IS. YOU USED MY SSN WITHOUT MY KNOWLEDGE. I ONLY FOUND OUT BECAUSE I GOT CREDIT NOTICE. HOW ARE YOU ALL GON NA GIVE ME TWO NEW CREDIT CARDS AFTER THE FACT THEN SLAP AN OLD ACCT I HAVE NO KNOWING OF AT ALL THEN DROPPED MY SCORE BY XXXX POINTS I DONT GIVE XXXX XXXX IF THIS IS AN OLD ACCT. YOU XXXX USED MY SSN WITHOUT MY PERMISSION NOR KNOWLEDGE. I WANT THIS ACCT OFF MY XXXX REPORT NOW AS IT WAS IMPROPER USE. I ASKED THE REP AND SHE GAVE ME THE XXXX NUMBER FOR ME TO CALL IN THE MORNING. I ASKED HER IS THAT WHAT DROPPED MY CREDIT AND SHE TOLD ME TO CALL THE NUMBER. THATS SOME XXXX XXXX. YOU CANT USE MY SSN LIKE THAT. I IMMEDIATELY THOUGHT THIS WAS FRAUD BECAUSE IT SAID AN ACCT WAS OPENED THIS MONTH ..AND I KNOW XXXX WELL I DIDNT OPEN A NEW ACCOUNT NOR WOULD YOU ALL LET ME BECAUSE IM PAYING OFF TWO NOW. THIS IS NOT RIGHT AT ALL AND I WANT AN EXECUTIVE OR SOMEONE HIGHER UP TO CALL ME BECAUSE I KEEP CLOSE EYE ON MY CREDIT AS IM TRYING TO KEEP IT GOOD FOR HOUSE BUYING. XXXX XXXX. JIST REMOVE THIS AS YOU ALL HAD NO RIGHT
Product: Checking or savings account

On XX/XX/year>, I received a notification from Cash App stating that my account had been closed due to a violation of their Terms of Service and/or Acceptable Use Policy. The notification was vague and did not specify which terms or policies were allegedly violated. Actions Taken by Me : XX/XX/year> : Contacted Cash App customer support requesting specific reasons for the account closure. through their chat service and phone call. XX/XX/year> : Received a generic response from Cash App stating that my account violated their policies but without providing any specific details. XX/XX/year> : Sent another request for specific information and evidence regarding the alleged violations. XX/XX/year> : Received another vague response reiterating the account closure without any additional details. XX/XX/year> : Contacted Cash App again and was told by a supervisor that they are not required to provide specific reasons according to their Terms of Service. Financial Impact : The arbitrary closure of my account has caused significant inconvenience and potential financial loss. the sudden closure has disrupted my ability to conduct financial transactions. Legal Violations : I believe Cash Apps actions violate several federal and state regulations, including : The Electronic Fund Transfer Act ( EFTA ), which requires clear and accurate communication about account actions. The Federal Trade Commission Act, which prohibits unfair or deceptive practices. Hawaii Revised Statutes ( HRS ) 480-2, which prohibits unfair or deceptive acts in trade or commerce.