23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the continued reporting of late payment information on my credit report for an account that has been settled and closed. After carefully reviewing my credit report, I have observed that late payments are still being reported on this account, despite its closure and settlement. I am seeking your assistance in rectifying this issue promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to bring to your attention that the mentioned account has been settled and closed. Despite this resolution, the credit report continues to reflect late payments. I am concerned about the accuracy of this reporting, as it misrepresents the current status of the account.
Product: Credit reporting or other personal consumer reports

I am filing this formal dispute regarding an inaccurate item on my Equifax credit report that continues to negatively impact my credit. Despite my efforts to resolve this matter directly with Equifax and the reporting entity, the issue remains unresolved. 

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Account NumbeXX/XX/XXXX
Product: Prepaid card

On XXXX XXXX XXXX there was a withdrawal of money from the card. On XXXX XXXX XXXX I noticed this and called the card company. They told me they would lock the card and make an investigation. They told me it would take 10 days for the investigation. On XXXX XXXX XXXX I received an email regarding the conclusion of the investigation. They concluded that they didnt find sufficient evidence to support my claim that someone took money from the card via an ATM. So no money was given back to the card.
Product: Mortgage

For several years I have been paying {$31.00} towards principal only on my mortgage so that I am able to pay my home loan off earlier ; a review of the payment history reveals Ocwen has been holding the principal payments made until the XXXX of the next billing month instead of applying payments received directly principal.
Product: Credit reporting

This account was paid Contacted XXXX XXXX twice for payments arrangements they ignored my requests before it went to collections Contacted collection agency and informed them that I had contacted XXXX XXXX twice to set up payments and was ignored and I would be sending payments directly to XXXX XXXX I started making payments XX/XX/XXXX and paid off the account in XX/XX/XXXX I paid {$50.00} monthly This account should have never been a collection/charge off I made a good faith offer to pay this bill prior to them charging it off I became unemployed but still tried to pay this bill when I fell behind in payments XXXX XXXX ignored my requests I wrote to them and was ignored
Product: Debt collection

An unauthorized account was opened in my name with XXXX. This activity occurred between XX/XX/XXXX - XX/XX/XXXX. Total amount of the fraudulent activity is XXXX. I was not aware until a collections was posted to my credit report in XXXX of XXXX. 
I was able to speak with representatives from the collections agency on or about XXXX XXXX, LJ Ross Associates inc . The representative informed me of where the collections originated ( XXXX ). Representatives from XXXX 's ID Theft department provided me with necessary details to file this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I became aware that I was a victim of identity theft. I reported my identity theft with the XXXX Police as well as the FTC. There were XXXX fraudulent credit accounts opened in my name that I never opened and was completely unaware of. Since then, XXXX of the XXXX were disputed, investigated, verified as fraudulent, and taken off of my credit history. Those XXXX were XXXX and XXXX 's XXXX. The XXXX fraudulent account was created through Discover Bank. I opened up an investigation with them in late XXXX to dispute. I had never heard back, and assumed from my rising credit score that is was also claimed as fraudulent. However, it appeared back on my credit report in early XX/XX/XXXX - that I owe {$9900.00} ( account # XXXX ). Then I tried to reopen the investigation ( case # XXXX ). However, I received a letter back on XX/XX/XXXX saying that my dispute was " previously investigated and resolved '' and they were " unable to to reinitiate the investigation. '' I request that this Discover account and the balance owed is removed from my credit history as I never opened the account. It was opened as a result of identity theft.
Product: Consumer Loan

Lowes Credit Center keeps calling our business & hanging up. We have told them about 13 times already to remove our phone number out the list & that whoever they 're trying to contact to use their personal phone & our staff ca n't recieve personal calls. They are disruptive to our business. They say they remove our number but we still get the daily all day hang up calls. By the way they also violated privacy of the person they were really calling by telling me the name & reason for their call.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I noticed several accounts that were opened fraudulently in my name. These unauthorized accounts are not only inaccurate but are also damaging my credit score, which is impacting my ability to secure financial products. I kindly request that you investigate this issue and promptly remove these fraudulent accounts from my report to restore the accuracy of my credit profile.
Product: Credit reporting or other personal consumer reports

I am reaching out with absolute frustration regarding the numerous errors on my credit report. I have been noticing that my credit report does not have my correct personal information and this is causing these unknown and inaccurate accounts to appear on my credit. These inaccuracies have been negatively affecting my life and XXXX XXXX, making it difficult for me to achieve financial stability and move forward. I can no longer ignore this issue, as it continues to hold me back.
Product: Payday loan, title loan, or personal loan

I obtained a consolidation loan from one main financial in XXXX Oklahoma which was secured with XX/XX/XXXX XXXX XXXX pickup fully loaded I lost my job in XXXX slow down and upon repossession of vehicle was notified I could have personal items from pickup when I paid them in full possessions in vehicle was things such as birth certificates my sons and my own lots of tools and XXXX fittings of my own plumbing fittings for pex pipe tools and plumbing fittings costs approximately XXXX costs of XXXX fittings approximately XXXX not to mention loss of transportation and missing our vital records left us in even more of a bind some things can't be replaced things belonging to my grandchildren it's not right for any company to do these things should never be ransomed in order to get personal things back and held like a XXXX for money they knew I could not afford to repay lost everything soon after including house
Product: Debt collection

I am in possession of a verification letter from Transunion regarding the following account. 
XXXX XXXX XXXX With my last two correspondence, I specifically demanded VALIDATION OF DEBT from the furnisher of the debt. Not verification.

Furthermore, the account was reinstated on my account without the proper notification within five business days requested by the FCRA. Another violation of my consumer rights.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I have had enough of the games with this consumer reporting agency and demand that this invalid account be immediately and permanently removed from my credit file.
Product: Credit card or prepaid card

I am a XXXX. I received a solicitation from Chase Bank to apply for their business ink card. I was tantalized by a promotion in which spending {$7500.00} will result in a reward redeemable for {$750.00}. 

I don't have a separate business entity - the income gets taxed with my personal income. 

I clarified my position with the bank before applying. 

I apply and receive an email asking me to provide documents that verify my place of business and tax status ( else the application will be denied ). I call back and clarify that I can use a driver 's license. social security card. 

They send me another email saying that what I sent was illegible and/or invalid. 

I call to clarify. They tell me that since I put as the business name " <my name> - XXXX '', I need to provide documents that include " -XXXX  ''. If I don't the application will be denied. As a small XXXX without an official business name, I do not have these. The refused to allow me to amend my application and advised me that if I apply again within 30 days, I will be denied again because my new application would defer to my old one. They refused to allow me to rescind my application. This policy harms my ability to acquire credit because number of credit application and number of credit denials go on credit reports. 

My application reference number is XXXX
Product: Bank account or service

Sun trust bank put a one week hold on a deposit I made on XXXX XXXX, 2016. I have document proof that each of the XXXX checks that made up the deposit were cashed at the respective banks on XXXX XXXX, 2016. Talked with a supervisor on XXXX XXXX, 2016 and was told they would release the money on the next day. They did not and they refuse to explain why the hold is still in place. Statement says the hold will release on XX/XX/2016. This is wrong!
Product: Mortgage

Suntrust violated the Equal Credit Opportunity Act ( ECOA ) by asking me and refusing me a mortgage because I would not provide my divorce decree. As stated on the https : XXXX # suspect website, " When You Apply For Credit, Creditors May Not ... '', " Ask if you 're widowed or divorced. A creditor may use only the terms : married, unmarried, or separated. ", and " Impose different terms or conditions, like a higher interest rate or higher fees, on a loan based on your race, color, religion, national origin, sex, marital status, age, or because you receive public assistance. ". 

The mortgage representative asked me over the phone how much I paid in child support and also told me she required my divorce decree in an email.
Product: Debt collection

I am writing to formally file a complaint against Equifax regarding the failure to appropriately address and resolve a dispute concerning a XXXX XXXX account on my credit report. There is no account number attached to the credit report. 
It has been over 60 days since I disputed an account listed under XXXX XXXX with Equifax. Despite my formal request for verification of the account, XXXX  XXXX failed to legally verify the accuracy of the information as required by the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i and 1681s-2. Instead, Equifax accepted the information provided solely by XXXX XXXX without conducting a proper investigation, which violates my rights under the FCRA. 
The law requires that credit reporting agencies like Equifax verify the accuracy of any disputed item with the original creditor. This verification process must be thorough and consistent with the standards set forth in the law, including obtaining sufficient documentation to prove the accounts validity and its accuracy before reporting it as a negative item on my credit report. 
Fair Credit Reporting Act ( FCRA ), Section 1681i : This section mandates that when a consumer disputes an item on their credit report, the credit reporting agency must conduct a reasonable investigation. They are required to verify the accuracy of the disputed information, and if it can not be substantiated, the item must be removed from the report.

FCRA Section 1681s-2 : This section imposes an obligation on furnishers of information ( such as XXXX XXXX ) to ensure that they provide accurate data to credit reporting agencies. They must also investigate disputes and notify the agency of the results. 
Regulation Z of the Truth in Lending Act : This regulation requires that any disputed information, particularly regarding consumer credit, must be verified and validated if disputed. If a creditor can not provide proper verification, they must remove the item from the consumer 's credit report.

Equal Credit Opportunity Act ( ECOA ) : According to ECOA, inaccurate reporting of information that affects a consumers creditworthiness may result in discriminatory practices or unfair access to credit, which has directly impacted my ability to obtain housing for my family.

This situation has caused undue financial hardship and significant emotional distress for my family. The continued presence of inaccurate information on my credit report has led to multiple rejections for housing applications. This has caused significant disruption in our daily lives, limiting access to basic needs, and severely affecting our ability to secure a home. The negative impact on our credit is affecting our livelihood, and it has become increasingly difficult to secure housing due to these unjust remarks.
Product: Vehicle loan or lease

A car loan application was filled out using my identity on XX/XX/2023. The application was not from me but it had my name and information, I believe someone filled it out so a credit check would made on me to mess with Mt XXXX XXXX. The application with through capital one report was made through XXXX consumer relations and XXXX risk solutions inquiry department and capital one auto financing which was made on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} EQUIFAX : XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00} XXXX : XXXX XXXX Balance XXXX {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$84.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account opened at XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This happened on XX/XX/year>. I woke up to see that XXXX transactions ( in the amounts of ( XXXX for {$540.00} and XXXX for {$470.00} ) were fraudulently made through my Venmo to XXXX ( my XXXX account was hacked ). I reached out to Venmo that day and explained the situation, and they submitted case for refund, which was later denied. I reached back out on XX/XX/year> asking them to appeal it, which they did, and told me to respond back to the account specialist with proof that the purchases were fraudulent. I have not received any email from an account specialist that would allow me to send this evidence, and no one is helping me get a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

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Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately Saturday, XX/XX/XXXX I reviewed my TransUnion credit report. Upon reviewing my credit report I noticed that an old credit card account from " XXXX XXXX '' was still reporting as a " current account '' despite being closed nearly three years ago. On the report, under " Payment History '', Trans Union 's comments indicate this account was closed in XX/XX/XXXX ( a comment of XXXX is noted ). I disputed the status of this account with TransUnion on approximately Sunday, XX/XX/XXXX. TransUnion responded saying that they incorrectly verified the account status as accurate ( despite my credit report from the other two bureaus correctly showing this account as closed ). I have attached the investigation results for the CFPB to review.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I found an account on my credit that was not opened by me. This is hurting me as I am in the process of purchasing a vehicle for me and my family.Please remove this fraudulent account from my credit as soon as possible.
Product: Bank account or service

I have a checking account with Wells Fargo. Yesterday, the bank authorized my auto insurance agency to withdraw funds from my account and bring my account into overdraft. I do not have Wells Fargo overdraft protection, therefore the transaction should have been denied. Instead, despite me opting out of overdraft protection, Wells Fargo authorized the transaction and covered my overdraft resulting in a {$35.00} service fee that once again brought my account into overdraft. In order to remedy the overdraft, I had my boyfriend transfer funds into my account covering the overdraft balance so I would not be charged any additional fees. We did the transfer the same day at around XXXX PST on a business day so there is no reason for the bank to charge my fee. Today, I woke up with a {$35.00} service fee for entering overdraft. The bank completely ignored my opt out just to take advantage of me and make a quick buck off of my account.