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

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This letter is not an idle threat. If this issue is not resolved within the specified timeline, I will file complaints with the Attorney General and the Federal Trade Commission ( FTC ), and pursue legal remedies in small claims court or federal court as appropriate. 
urge you to address this matter promptly to avoid unnecessary legal action. Please respond in writing to the address provided above within 15 days. 

This letter serves as formal notice regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the information related to XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX appearing on my credit report is inaccurate, unverifiable, or incomplete. 

I submitted a dispute regarding this item to Experian XXXX XXXX. 
To date, you have either failed to : - Respond within the 30-day investigation period as required under FCRA Section 611. 
- Provide sufficient documentation verifying the accuracy of the account, or Correct or remove the inaccurate information from my credit report. 

Your actions ( or lack thereof ) are in direct violation of the FCRA and have resulted in harm to my credit profile, financial standing, and peace of mind. 

To resolve this matter amicably and avoid further escalation, I demand the following actions be taken immediately : 1. removal of the inaccurate account from my credit report. 

You are required to respond to this letter within 15 days of receipt. 

Failure to comply with this request will leave me no choice but to pursue legal action. I will seek remedies available under the FCRA, including statutory damages, legal fees, and court costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a letter from Barclays Bank saying that my XXXXXXXX XXXX XXXX XXXXXXXX XXXX  was approved. I never applied for that card. I called their Customer Service and was told that there was no account with them under my name. I never received a credit card from them. XX/XX/XXXX I received a bill that the credit card for which they had no record and I never received was over due. NO initial bill, just a bill that it was over due. I contacted their fraud team twice. I disputed it with all three credit bureaus twice. I filed a police report. They closed the account but continued to send letters saying that I charged the card. I hired an attorney who sent them a letter in my behalf. In the middle of this I received an alert from one of the credit bureaus that they had filed a judgement. I spent 3 hours on the phone calling multiple court houses trying to get the details. I filed a complaint with your organization. On XX/XX/XXXX I received a letter from them saying that they have investigated and I or someone to whom I gave authorization charged that credit card. My family lives XXXX miles away. My friends have their own credit cards and don't use mine. I only live with pets to whom I have never given authorization to use my credit cards besides not being able to use a computer, get a ride to a store and don't have thumbs. On XX/XX/XXXX I received a letter saying that they will stop contacting me but may send " required correspondence or information concerning my XXXXXXXX XXXX XXXX XXXX XXXX ''. I don't have the account according to their own Customer Service Department and even if I did, they closed it several months ago. I have been fighting this for 8 months. I want no more correspondence from them about anything. If I receive any further contact from them, I will immediately forward it to my attorney and file yet another complaint for the Consumer Financial Consumer Protection Bureau
Product: Credit reporting or other personal consumer reports

In early XXXXXXXX XXXX XXXXXXXX, I was stricken with XXXX, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this troubling time I was late on my payment to XXXX XXXX XXXX Balance : {$0.00} Under the CARES Act, if credit bureaus had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the XXXX pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the XXXX XXXX required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning XXXX was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, credit bureau XXXX have grounds to dispute the late payment. The account was late on XXXX when I was ill with XXXX. This account should not be delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES ACT. Thoroughly investigate and update with lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo reporting wrong info on me. XX/XX/2018 XXXX # Please fix and DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordiance with the fair credit reporting act, XXXX 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, has violated my rights. 

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
Product: Bank account or service

I have been experiencing problems with Wells Fargo Bank N.A . 
First problem : Wells Fargo Allowed a change to my bank account personal information at the request of an identity thief after I had submitted a 7 year extended fraud alert on my credit profile with the credit reporting bureaus. Wells Fargo should have contacted me personally with the contact information on my bank account profile in their computer before they changed my personal information. Wells Fargo changed my drivers license number and state of issuance, my country of origin, and my home address to those of the identity thief. I have proof of this because a Wells Fargo Banker at a local branch office in my hometown showed me on the banks computer that my information had been altered. He also gave me a printed copy of the changes that had been made. I closed the account since Wells Fargo did n't keep my bank account safe. 
The second problem I have had with Wells Fargo is that they have denied me access to online access to the Wells Fargo credit card I have with them. Wells Fargo sent me a letter saying they restricted my online access due to my identity theft issues. I have tried to contact them many times by phone to resolve the problem but I have waited up to 30 minutes on hold with their fraud department and often get disconnected. 
The third problem I have had with Wells Fargo is with their credit card processing service called XXXX. I have a business and needed to have a mobile credit card terminal to be able to accept my customers credit card payments so I purchased a mobile credit card swiper from XXXX and then signed up for a merchant account with XXXX. My business is legally registered as an XXXX in the state of Texas and I have documents and an employer identification number and a taxpayer number that I included in my application for a XXXX merchant account. I was sent an email saying I had been denied service due to credit report information from XXXX. I checked my XXXX credit report and found no negative information on it. I believe Wells Fargo is denying me the XXXX service simply because I have a 7 year extended fraud alert on my credit report. Instead of calling me personally to resolve these issues involving Identity Theft they continue to give me problems with every service I have, used to have, or want to have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Equifax, there is no third party involved. 
Equifax is reporting multiple inaccuracies on my consumer report. My personal information My name is spelled incorrectly. ( Exhibits provided ) My address is inaccurate. ( Exhibits provided ) The employment section is inaccurate. 
The name on my ID and social security card are how my name should be spelled. The address on my ID is my ONLY address. Pursuant 15 usc 1681b I have contacted Equifax multiple times with written instructions to delete accounts XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX ( exhibit provided ) they have ignored and refused to comply At this time, I DEMAND EQUIFAX TO CORRECT THE INACCURATE PERSON INFORMATION AND DELETE THE REQUESTED ACCOUNTS WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME SIGNIFICANT DAMAGES INCLUDING OBTAINING HOUSING, GOODS, TRANSPORTATION AND MORE. EQUIFAX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply with my written instructions Pursuant 15 usc 1681b Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX and Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report. The accuracy of the data reported is inaccurate. If they received the same information from the same company/data furnisher then why is there different information showing for all three credit bureaus. All information must be the same not misleading and falsely reporting. All information must be accurate or it must be immediately removed from my credit report.
Product: Money transfer, virtual currency, or money service

I received Cash App cards in the mail XX/XX/XXXX. I called customer service and stated I never opened a cash app account. Cash app told me to take pictures of the cards and send the pictures through email to them and they ( cash app ) would handle the account info. Now being XX/XX/XXXXXXXX  I received a 1099-k form from the IRS to pay taxes on {$5500.00} so, I called cash app to see why I was receiving this irs form and they told me they couldnt do anything and go to Identitythreft.com and make a report? They couldnt give me any account information or transactions history. They said when I called in XX/XX/XXXXXXXX  the cards were shut off and the account was closed but on the irs form it states the transactions were done in XX/XX/XXXX they still had the fraudulent account opened if transactions were still being made.
Product: Credit reporting or other personal consumer reports

I sent TransUnion a letter disputing the validity of the Bankruptcy ( Bankruptcy XXXX Reference # XXXX ) they are reporting on my credit report. They responded with a letter stating they have verified this information with the source and it is valid and accurate. I went directly to the court showing on my credit report concerning this Bankruptcy. I informed ( TransUnion ) if they cant reveal how they truly verified this item then it needed to be deleted according to the FCRA. They have once again refused to delete this item which is affecting my ability to purchase a home and causing me to pay thousands more in interest every year. This item needs to be deleted from my credit report if it cant be verified.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate information on my credit report that is unfairly affecting my financial standing. Upon reviewing my report, I identified errors, including accounts and inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all reported information is accurate, verifiable, and legally compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many times inquires on XXXX, Equifax and XXXX that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting

XX/XX/XXXXThis morning i woke up to catch my credit reports in a last ditch effort to see why my application to an apartment was denied. I checked all XXXX, and was only able to get my XXXX report. After looking it over, the reported information is correct. 
However the other XXXX i was unable to obtain due to some extremely obscure questions the system was asking me : Auto loans opened in XX/XX/XXXX, And XX/XX/XXXX ( I do n't own a car ) Credit cards with shopping centers, and banks, some in other countries. ( I have n't owned or been able to get a credit card, nor have i been XXXX. ) All of these things are quite are making me quite concerned. and I 've been unable to understand what is going on. 

I 've applied for XXXX credit cards in my life, ( XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, respectfully ) and XXXX were denied. I 've personally had past issues checking my credit, but wrote it off, as I never really required credit up until this point in my life. 

Judging from the questions i was asked, I have apparently applied, and got, several cars, houses, and loans in not only the United States, but somewhere in XXXX as well? 
I have n't been out of the state of TN since I was XXXX, ( i am XXXX, going on XXXX ) and I 've not been XXXX since a cruise I took when I was under the age of XXXX. 

I 'm a good, honest, and hard working individual that wants to get his life together, and pay back what i *DO* owe to *AN* apartment, and a single hospital bill, both totaling out to a little over XXXX XXXX ... 
I 'm concerned that my identity has been stolen, and scared that i 'm screwed and do n't know how, or where to proceed from here! Please, somebody out there help me!
Product: Credit card or prepaid card

Received email thanking me for updating our address from credit card company. We never applied for the credit card, nor received it. 
Checked on your credit report and it shows as being issued to us. 
We disputed it with XXXX, but they could not get it removed. They suggested we file a fraud report with CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX LAST XXXX SSN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Subject : Dispute of Closed Chase Account on Credit Report and Fraudulent Charges Dear Sir/Madam, I hope this letter finds you well. I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a recent issue with Experian concerning a closed XXXX account that remains inaccurately reported on my credit report. 

In XXXX XXXX of XXXX, I disputed the accuracy of a closed XXXX account listed on my Experian credit report. This dispute was filed on the grounds that I do not acknowledge any responsibility for the debt, nor have I been provided a 1099-C form from XXXX indicating that I am liable for this account and that they wrote it off for their tax benefit. Despite my efforts to resolve this, Experian failed to properly investigate and correct the information as per the Fair Credit Reporting Act ( FCRA ) and why they are being sued. 

The account in question has balances reported that I neither recognize nor claim, and I believe fraudulent charges were made to this account. I have no knowledge of these charges, and I never agreed to or authorized any debts associated with this account. Therefore, I am asserting that this debt is fraudulent. 

In my communication with Experian, I requested a thorough investigation into the account, but I have yet to receive any satisfactory resolution or verification from either Experian or XXXX. As of now, this account remains inaccurately listed on my credit report, which is adversely affecting my creditworthiness. 

I respectfully request your assistance in ensuring that Experian follows the appropriate procedures to rectify this issue. I am seeking a full investigation into the matter and the removal of this erroneous account from my credit report. Furthermore, if any charges related to this account were fraudulently made, I expect that these will be removed, and proper steps will be taken to clear my name and credit history. 

Please feel free to contact me should you require any additional information or documentation related to this dispute. I would greatly appreciate your prompt attention to this matter. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

We refinanced and paid off a mortgage with Alliant Credit Union in XX/XX/2021. However, they have still not reported the mortgage paid off on our credit reports. The loan is still reported as open. We have reached out multiple times, via phone and email but no one on their end helps with correctly reporting the loan as closed.
Product: Debt collection

XXXX XXXX XXXX represenative XXXX XXXX called my employed told them details about my debt, told my employer i would be served with a court summons, threatened to notify my Human resources deptartment about debt and that i would be served papers for " Theft '' and this was even before i spoke to them
Product: Vehicle loan or lease

Hello. 

I was in a XXXX   accident on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX 
My insurance, XXXX, XXXX XXXX XXXX  and sent payment to Toyota financial services to pay off the loan. 
This amount of {$31000.00} was sent on XX/XX/year>. 
Toyota FS claims to have received this payment on XX/XX/year> per phone calls I have had with them. 
My warranty was cancelled and refunded to the Toyota FS loan in the amount of {$2200.00}. This shows posted on XX/XX/year> per my Toyota FS statement. 
This amount ( XXXX ) was not deducted in the original payment ( XXXX ) and should be refunded to me. 
Remaining pay off shows {$29000.00} on my Toyota FS account It is now XX/XX/year> and my loan still shows active and PAST DUE on my account. I have called 10+ times and get the same response every time. Toyota FS claims that they received the check, but their processing center is behind and needs to manually input the check. Every agent Ive spoken to claims there is nothing that can be done to escalate this further and I will just need to keep checking my account until I see that the loan is paid off. 


I did receive a letter dated XX/XX/year> that stated I did not need to make payments on my account until the claim was settled. Yet, my balance shows past due.
Product: Credit card

I received four emails today ( XX/XX/18 ) from Chime ( different email addresses ending XXXX ) : one stating that there had been a new login to my account in XXXX, one saying " Your completed direct deposit form is attached, '' " Account Password Updated, '' and one saying " Your Credit Builder Application is almost complete. '' The Direct Deposit form had my name and an old address of mine. I never set up an account with Chime, so I called the customer service number from their website and reported it as fraud. I believe they closed the fraudulent account, but in the process of doing so they asked for a lot of information from me I was not comfortable giving to them. They asked for the last 4 of my social in order to " look up my account '' even though I reiterated that I did NOT have an account with them. I did not give them this information, but they were able to locate the account anyway and close it for fraud. I got two more emails from them, one being " Account Closure Notification '' and one " Re : Chime Account Status '' that recommended I place a fraud alert with the credit bureaus. However, after those two emails I received a third one welcoming me to Chime. Additionally, after reading more about Chime on the internet it seems like this scam is fairly common, either with Chime setting up fraudulent accounts or people getting their identity stolen to create Chime accounts. I do not feel comfortable with their security and do not believe this company has their consumer 's interests in mind.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX has violated my rights. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX/CBNA Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604A Section 2 : States that a Consumer Reporting Agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.