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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern, I am writing to formally dispute and request the investigation and correction of inaccurate and incomplete information appearing in my credit reports. This request is made under the Fair Credit Reporting Act ( FCRA ), which mandates the correction of any inaccuracies or the deletion of any information that can not be verified. 
# # # Summary of Disputed Information XXXX. XXXX XXXX XXXX Accounts : XXXX XXXX Account Numbers : XXXX - Discrepancies : - Listed as charge-offs with varying past due amounts and payment histories across different reports. 
- Account Balances : {$93.00} and {$35000.00} respectively for the two accounts. 
XXXX. XXXX XXXX : ** - Account Number : XXXX - Discrepancies : - Reported with inconsistencies in the last payment date and the reported charge-off statuses. 
- Account Balance : {$4500.00} XXXX XXXX XXXX  Specific Issues and Required Actions : - **Inaccuracy in Account Statuses** : All accounts are reported with differing delinquency statuses and charge-off information. This information is inconsistent and misleading, affecting my credit unfairly. 
- **Payment Histories** : There are discrepancies in payment histories reported, with some months incorrectly marked as delinquent or not reported at all. 
- **High Balances and Credit Limits** : Reported high balances and credit limits do not match my records and show significant variations across reports. 
I am requesting the following actions be taken : - **Verify** all information with the creditors. 
- **Correct** any inaccuracies found or **delete** the information if it can not be verified as accurate. 
- **Provide me with updated credit reports** along with the documentation that supports any changes made. 
Under the FCRA, you are required to complete this investigation within 30 days of receipt of this notice and to notify me of the results in writing. 
Please ensure that the necessary corrections are made to my credit reports. If these inaccuracies are not resolved, I will consider further actions to protect my rights. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is another letter that I am a victim of identity theft and I filled a complaint again to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are a mystery to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$12000.00} -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$12000.00} -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$12000.00} XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This evening, I was completely taken aback when I saw wrong accounts appear on my credit report, and I can't figure out why. I've been checking my report regularly, but this time something was seriously off. I even refreshed the browser in case it was a technical issue, but the errors remained. Now, I'm asking for a thorough review of the documents I sent, so I don't have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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  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 of 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 am submitting this CFPB Complaint to request to you once again to look deeply into my complaint and have the disputed items removed as soon as possible. 
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. Here is the list of accounts that should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX Owed : {$370.00} ACCT XXXX XXXX XXXX Balance XXXX : {$370.00} ACCT XXXX XXXX XXXX Balance Owed XXXX {$370.00} ACCT XXXX XXXX  XXXX Balance Owed : {$370.00} ACCT XXXX XXXX XXXX Balance Owed : {$370.00} ACCT XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$770.00}
Product: Mortgage

In XXXX XXXX I refinanced my manufactured home with acreage through American Financial Resources , Inc . This mortgage agreement stated that my payment would be {$1100.00}. In XXXX XXXX the papers were assigned to XXXX XXXX, XXXX which also states that my payment will be {$1100.00} will be due beginning XXXX/XXXX/XXXX. I then receive another XXXX dated XXXX/XXXX/XXXX stating that I have a new payment beginning {$1000.00}. My last XXXX dated XXXX/XXXX/XXXX was actually a closeout statement as American Financial had reassigned my papers to XXXX, XXXX. I was informed in a letters from XXXX and American Financial Resources that this reassignment was to be completed XXXX XXXX, XXXX. My payments were to stay the same. All along I have paid an amount of {$1200.00} trying to decrease the balances ( P & I and/or Escrow ). If I had an emergency ( which happened in XXXX XXXX ) I would have a little extra in the budget to pay for the emergency. I then received an XXXX from AFR dated XX/XX/XXXX stating that I have a shortage of {$1200.00} and they want the money by XXXX/XXXX/XXXX or my payment beginning XXXX/XXXX/XXXX will increase to {$1200.00}. This most recent statement shows negative balances beginning XXXX XXXX. It would have been much easier for me if I would have known about it sooner.
Product: Money transfer, virtual currency, or money service

I used PNC banks External transfer tool to transfer {$5000.00} to my XXXX XXXX  XXXX account on XXXX XX/XX/2023. 

As on XXXX XX/XX/2023 the transaction shows Completed on PNC portal, however the amount is not credited to my XXXX XXXX XXXX 

I have double/triple checked the account and routing numbers and they seem to be correct. 

On contacting XXXX XXXX, I found that they do not accept ACH for CD deposit, thus the amount should have been back in my account when the status on PNC shows Completed for the transaction but that is not the case.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and observed fraudulent activity.
Product: Credit card

I had a long-standing credit card account with Fidelity, which was converted to Elan Financial services XX/XX/2016. At this time, I did n't receive notice of the conversion and continued to have access to my Fidelity account online which reflected automatic payments were being made towards my account balance. I received a call on XX/XX/2016 from Elan stating that my account was two months past due and that I needed to make a payment, which I did to bring my account up to date. I was told that I needed to set up automatic payments at a new web address. I promptly tried to create an account on the new website, but it would n't recognize my account number. After many calls to reach the correct customer service office, I was told that my credit card number was incorrect ; that I had received a new card and would have to use that card to set up an account. I explained to them that I never received a new card, but without it I was unable to create an online account. Since then I am still unable to access my account online or set up payments because my account has been restricted. I 'm still waiting to talk to a representative because their " 24 customer service '' number is closed every time I call. Up until recently I could still access the old Fidelity account, which continued to reflect that my auto-payments were scheduled. As of now, I have no access to my prior Fidelity account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i received a text stating that there as fraud activity on my bank account then received a call from what showed as td bank number and then person said to accept text to reverse the transactions and which they gained assess to my account and XXXX {$2300.00} by using XXXX  and td bank refuses to give me my money back. And there is supposed be $ XXXX  day limit using XXXX and they were able take {$2300.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violated the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to obtain my consumer report from LexisNexis, in each attempt I was not provided a copy of my personal credit report. XXXX XXXX continues to furnish outdated and unverified information about me.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX, Xactus-XXXX, Xactus, XXXX Mortgage Servi , Xactus and left messages for them to return my calls. I have no Idea who they are? I did not give my permission for my credit to be ran and I would like them to be deleted immediately off of my credit report please
Product: Credit reporting or other personal consumer reports

Late payments reported XXXX XXXX XXXX
Late payments reported XXXX XXXX
 
Comenitycap/XXXX XXXX XXXX XXXX XXXX  OH XXXX
Product: Debt collection

I am requesting that XXXX be deleted due to me being a victim of identity theft. I have contact XXXX XXXX and they have no records and says the account has been transferred. There is no account number listed but it is reporting on my credit report. I have contacted the company and they are not responding to me and this is from my identity being stolen in 2017. 


I ask that they please accept my Federal Trade Commission Affidavit and XXXX Police Report and delete.
Product: Bank account or service

I am currently sick, receiving only a percentage of my salary through a XXXX policy. Because of my illness and lack of funds, my checking account became overdrawn. Santander bank has charged me XXXX overdraft fees in the amount of {$35.00} each, for a total of {$350.00}. I called Santander bank and they agreed to remove only XXXX of the XXXX overdraft fees. This is an outrageous punt of money and it is discriminatory and predatory against someone with a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made final payment of loan XX/XX/XXXX in the amount of {$560.00}. Westlake Financial is not reporting information. From XX/XX/XXXX to XX/XX/XXXX {$18000.00} in payments were made to my loan. I overpaid my loan by {$640.00}. They even sent me a refund check. My reports are still showing account is open with a balance of {$17000.00}, last updated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 dispute letters to all 3 credit bureaus ( Equifax, XXXX, and XXXX ). In the letter, I asked them to remove or verify 6 charge off 's that I do not believe are mine. Every time I got a response, they came back as verified. How did they verify these charge off 's belong to me and with who? They provided no proof ( original signed contracts ) that these charge off 's accounts belong to me. They would only send me a copy of my credit report with the same charge off 's still remaining. This is a well-known tactic they use to keep people subprime. They violated my rights under the Fair Credit Reporting Act ( FCRA ) many times and I'm fed up. 

I do understand that they sell my information to the banks. And that the banks make more money off me because I have a low credit score. And that way the bank can charge me a high-interest rate. Thus them making more money and me losing more money. 

The charge off 's on my account are inaccurate and have not been verified and needs to be removed ASAP. I've been violated for months and this has to stop NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified Account Account Name : Receivables Performance Management Type : Collections Date Opened : XX/XX/XXXX Balance : {$1100.00} Debt : {$1100.00} Ive disputed this account information as inaccurate to the Credit Burous. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they're unable to provide me a copy of verifiable proof, they must remove the account.

I mailed Request for VALIDATION, NOT Verification letter to the original creditor ( Receivables Performance Management ). I requested Receivables Performance Management to provide me with any proof that the account belongs to me. Receivables Performance Management never responded. 
First Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Receivables Performance Management. A second Request for VALIDATION, NOT Verification letter was sent to Receivables Performance Management. Receivables Performance Management failed to respond again. The second Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Receivables Performance Management.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXXXXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX Date of inquiry XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report DISCOVER BANK XXXX Balance : {$3100.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I disputed 4 alleged account ( s ) on my consumer file with all 3 consumer reporting agencies XXXX, XXXX, & Experian. After the re-investigation was conducted I received Notice on XX/XX/2023 from XXXX XXXX XXXX showing the account ( s ) were deleted from my consumer file due to inaccurate information being reported. Upon discovery pursuant to 15 USC 1681i ( D ) since the CRA 'S all use the same automated system for disputes I am demanding Experian to delete the following account ( s ) as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached shows a history of the dates being incorrect as they have been for months. The account WAS NOT closed on a dispute date!!!! It also was not the last reported or paid off date of the dispute date! Each dispute you keep changing dates that shouldn't be changed to disputes dates, continually lowering my FICO score and causing me a lot of problems with my other creditors. The account is closed yet you keep showing it " pays as agreed '' which is also lowering my score! I filed a complaint against the CFPB with my Congressman due to their inaction and allowing an employee to steal complaintants info while they had no idea what was happening. You need to address this or risk being sued. The dates you reflect ARE NOT accurate and haven't been for almost a year. If this isn't fixed before I run my report again on XX/XX/16 then you can bet I will sue you! I'm sick of this cat and mouse game with my life!!!! I filed a XXXX XXXX XXXX complaint against the creditor, told them they would be sued too and provided similar info. FIX IT OR DELETE IT!!!!! IT'S THE LAW AND YOU'RE BREAKING IT EVERY DAY IT REMAINS INCORRECT!!!!
Product: Credit reporting or other personal consumer reports

Contacted a representative of XXXX XXXX and informed him that I was trying to purchase a home. He ask me about any changes and told me he would be able to assist me in purchasing a home. Two weeks later I was informed he wouldn't be able to assist me even though we had spoken about my situation several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX a purchase of {$1000.00} AND withdrawals of {$480.00} and {$470.00} were done. On XX/XX/XXXX two withdrawals of {$470.00} and {$240.00} were done. This is all fraudulent activity. These occurred in locations I did not visit or go. My card was always in my possession but bank states the chip was used and its impossible to clone. This has been proven false on multiple occasions. XXXX XXXX XXXX XXXX helped an individual in California who encountered the same problem and chase would not believe them.
Product: Checking or savings account

Denied account with. Chase account reason unknown. I am not in XXXX or XXXX XXXX. I'm unsure why the account can't be opened?
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX  I used my Chime debit card to purchase gas at XXXX  in XXXX, Missouri. At XXXX XXXX my card was used for a purchase at XXXX 's XXXX out of New York for {$150.00}. At XXXX XXXX my card was used again at XXXX 's XXXX  for {$46.00}. Once I realized the charges were made I called Chime and advised them I did not make the charges and they canceled my card and sent a new one. I disputed the transactions and their fraud department almost immediately denied my dispute stating the charges were valid and that they would send me proof of how they came to their conclusion. I responded by sending them information that showed I was in XXXX XXXXXXXX at the time of the charges in New York, the phone number to the dentist 's office I was at an hour before I bought the gas, the address of the XXXX I was at, time stamps from their app showing I bought gas at XXXX XXXX XXXXn XXXX XXXXXXXX so it would be impossible for me to make a purchase in New York at XXXX XXXXXXXX but they have continued to state the charges were valid. I researched XXXXXXXX XXXX XXXX  and found that they do not do online orders so it is not possible to order something online to have it shipped to me. 

I again asked for their proof and was told it would be mailed to me within 10 business days, only to discover it was e-mailed and when I clicked the link to view the information the link expired. I requested the information again and when I got the link this time, the link said I was not authorized to view it. I sent them a screenshot showing this and have yet to hear anything back from them.