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

I, XXXX XXXX, authorized a dispute regarding multiple violations of the Fair Credit Reporting Act ( FCRA ). I am addressing these violations in a formal manner, specifying how they affect my credit report and demanding correction. 

First, I noticed several issues, including the failure of credit reporting agencies and XXXX to verify the accuracy of the information they reported about me. This failure is a violation of FCRA Section 616, which holds parties liable for willful noncompliance, with penalties of up to {$XXXX} per violation. Additionally, I observed that my rights regarding the sharing of my personal information were not disclosed, which is another violation under FCRA Section 603 ( d ) ( 2 ) ( A ). 

Furthermore, I discovered inaccuracies in how my payment history and debts were reported. For example, certain creditors reported late payments, which is not accurate because these accounts were paid as agreed, especially during the XXXX pandemic. According to FCRA Section 623 ( a ) ( 3 ), this constitutes deceptive reporting, as the information provided was inaccurate.

Moreover, I found that certain debt collectors were attempting to collect debts without the proper validation, violating 15 U.S. Code 1692g, which mandates that debt collectors provide proof of debt. This issue is exacerbated by reports of identity theft and fraudulent activities, where third-party debt collectors are attempting to collect from me without my consent or the necessary validation of their claims. 

Lastly, I pointed out the unlawful disclosure of my personal information under 15 U.S. Code 1681B, where my identifying details were shared without my permission, violating my privacy rights. 

I requested that the following actions be taken immediately : The removal of incorrect personal information and accounts from my credit report. 
The correction of inaccurately reported payment histories, especially those reflecting late payments that occurred during XXXX. 
The removal of unauthorized accounts, particularly those reported by third-party debt collectors who can not validate their claims.

The deletion of any unauthorized use of my personal information, especially in relation to identity theft. 
I emphasized that if these matters were not resolved promptly, I would pursue legal action, citing violations of the FCRA and potential civil liability under the law.
Product: Checking or savings account

XX/XX/2022, someone had hacked my mobile wallet and gained access to the the chase mobile app. That person was able to add his own phone number and was able to make deposits 3 hours away from where I live. I live in XXXX and that person was doing transactions in XXXX I called chase bank to address it but they told me that they will close my account. Chase can not prove that those fraudulent check deposits were mine. Instead they closed my account without any proper investigations. 

I know I wasn't responsible for those deposited checks. Chase should've looked up the login locations or XXXX because the {$4000.00} mobile deposit and those ATM transactions in XXXX and in XXXX ( where that person stole my banking information ) was not ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX have received a hard inquiry after applying for a credit card with XXXX XXXX Bank on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed.
Product: Mortgage

Wells Fargo regularly failed in the servicing of my mortgage. At various times, they alleged default and included foreclosure costs which were estimated and not actually incurred in violation of my mortgage contract and federal and state laws. As a result of the foreclosure costs, they required me to paid in full as a condition of restating the loan. Their reconciliations show they collected thousands of dollars not due to them and their reinstatement figures were materially overstated. During this period of alleged default and not actual fees having been assessed, Wells Fargo furnished negative information to the credit reporting agencies which continues to be furnished through today. These furnishings have prevented me from refinancing my financial obligations as well as indicating to other lenders that I was a credit risk. During the alleged default, they continued to prepare court filings that indicated they were due amounts that had not been incurred. Their law firm was relentless in the pursuit to obtain a court order of default in order to sell my home at sheriff sale. The underlying conditions they created resulted in health problems and the inability to earn a living having to defend their baseless claims.
Product: Money transfer, virtual currency, or money service

A purchase was made through PayPal on XX/XX/2022. The seller never shipped the item and when i attempted to follow up, the web page is no longer available. I haev ent numerous emails but have gotten no response.
Product: Debt collection

Why are you disputing RESURGENT/LVNV FUNDING? 
Other reason Use this reason if none of the available dispute reasons describes your situation. To submit your dispute, you must enter an explanation that specifies why you believe the information is inaccurate. 

back button Reason and details Add a Comment Add more detail to your dispute109/210 characters LVNV never surrendered proof off fees and never sent any supporting legal documents with company letter head. 
back buttonReason and details Do you believe this information appearing on your Credit Report may be a result of identity theft? 

back buttonChange Dispute Reason If you believe that this information appears on your Credit Report as a result of identity theft, contact us by phone immediately. 
Report # : XXXX XXXX Mon - Fri : XXXX - XXXX back button Reason and details back buttonReason and details General Account Info Report Number : XXXX Date Generated : XXXX XXXX, XXXX Account NameRESURGENT/LVNV FUNDING Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1300.00} past due as of XXXX XXXX. 
Status UpdatedXX/XX/XXXX Balance {$1300.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Product: Debt collection

As per complaint XXXX, whoever it was that responded stated they would send me a validation/verification of debt and to date have not. They also stated they would remove the debt from my credit report. There are 2 charges on there for {$510.00} both from the same company ( Avante ) and for the same company ( XXXX XXXX XXXX ). Only one has been removed. I was told both would be and that has not happened. They split the charges to damage my credit instead of one single charge as it should have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that closed/charged off since 2017 that's reporting delinquent every month. 

Experian and XXXX are reporting way off scores. 

All 3 bureau are reporting 3 majorly different scores. 

Still have my name and address wrong and address wrong after sending correct info 6 times. 

reporting incorrect payment history
Product: Money transfer, virtual currency, or money service

I am a XXXX  year-old target of financial elder abuse, specifically, what is commonly described as a remote access scam. In addition, this scam falls squarely within the spirit of the CFPBs XX/XX/2021 Regulation E FAQs defining unauthorized transactions. I contacted Square online because I needed help downloading my transaction history. A website that appeared to be legitimately Squares web site, but which I later learned was fraudulent, instructed me to call XXXX for Square Customer Support. 

The scammer represented himself as a Square customer service representative and fraudulently induced me to transfer {$7000.00} from my bank checking account and make multiple transfers to and from my cash app account and purchase bitcoin. Under the guise of helping me reduce my transaction limits, the scammer directed me to transfer money from my bank account to my cash app account and make a series of transactions to and from my cash app account. He assured me that these transactions were test transactions. In addition, as part of these test transactions he instructed me to purchase bitcoin. 

In addition, the scammer repeatedly instructed me to download XXXX and XXXX many times. Ultimately the XXXX  was withdrawn from my account without my authorization or knowledge. This series of transactions resulted in a net theft of {$6000.00} from me. 

I submitted a customer support claim to Square which they denied. 
[ ref : XXXX : ref ] Like XXXX XXXX, Square is turning a XXXX eye to elder abuse and fraud on their platform. 

Square clearly knows where money is being transferred to and from their customer accounts and how long accounts have been in existence on their platform. I have since learned through XXXX search that my experience is not unique and that Square is well aware of this scam. 

I would like Square to reimburse me for my loss.
Product: Debt collection

I am writing to address a matter of concern regarding the recent XXXX in XXXX that I received from your firm regarding a debt owed to XXXX. 

I acknowledge the debt in question and am willing to work towards a resolution. However, I am seeking clarification on a few aspects of the process that have left me confused and concerned. 

Firstly, I was surprised to see attorney fees listed in the XXXX in XXXX. My understanding was that if a collection agency is involved, I would have received a notice prior to legal action. Unfortunately, I never received any such notice, and this has left me uncertain about the process. 

Additionally, I attempted to log in to the provided website using my personal information to gain more information and explore potential payment plans. Unfortunately, I encountered difficulties and received a message indicating that I can not log in. This has further contributed to my confusion and concern, especially considering a past experience with a scam. 

For your reference, the details of the debts outlined in the XXXX in XXXX are as follows : XXXX in XXXX # XXXX : {$500.00} for the debt plus {$120.00} for attorney fees. 
XXXX in XXXX # XXXX : {$260.00} for the debt plus {$66.00} for attorney fees. 
While I fully acknowledge the debt and am open to resolving this matter through a payment plan, I seek your assistance in clarifying the following : Can you confirm whether this firm is acting as a collection agency or representing the bank in legal proceedings? 

Is it possible to receive detailed information about the debts and a breakdown of the attorney fees incurred? 

How can we proceed with setting up a payment plan given the absence of a prior notice and the technical issue with the website login? 

I understand the importance of addressing this matter promptly and am committed to finding a resolution. Your clarification and guidance on the above points will be highly appreciated. 

Thank you for your attention to this matter, and I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

A fraudulent account is repeatedly reported on my credit file. This account has been deleted but continues to return showing varying balances and varying late payments. I am writing to formally dispute and demand the immediate removal of the fraudulent account from my credit report due to identity theft. This account was opened without my consent, and I am invoking my rights under Fair Credit Reporting Act ( FCRA ) to have this account removed within four days. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion this fraudulent account or information related to the identity theft, as authorized by 15U.S.C 1681C-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my personal and sensitive data to unauthorized individuals. The fraudulent account is listed here - XXXX XXXX  - XX/XX/year>
Product: Credit card or prepaid card

Removed as an authorized user moths ago shows her having a monthly payment of {$71.00} a month and a balance of over 1000 please remove the account from my profile as Im no longer an authorized user thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act to request your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} I would appreciate your assistance in addressing this account that is still being reported on my credit file with a XXXX balance. I want to bring to your attention that this account have already been paid off in full. Therefore, I kindly request that you conduct an investigation and consider removing this account, as it seems to be having a negative impact on my credit score. Furthermore, I would be grateful if you could provide me with a detailed report outlining the measures taken to rectify the inaccuracies on my credit report. 
XXXX XXXX XXXX  XXXX Balance : {$2200.00} This account has already been paid off, as I was informed that it would be removed once the full payment was made. The balance reported for this account is evidently incorrect and misleading. I would greatly appreciate it if you could promptly provide clarification regarding the reason for this inconsistency. The balance seems to be clearly inaccurate, and I kindly request that you rectify the issue by either setting it to XXXX or considering the removal of the item from my record. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For three months about XX/XX/XXXX, I put my Private student loan on forbearance with Discover Student Loans. I previously paid on time until a financial hardship. Discover representatives agreed to place me on this forbearance for a 3 month time. 

Over the course of three months, my mother and I received multiple calls from collection services demanding payment and threatening delinquency. Each time, I contacted Discover they assured me my information was there on my record, and to disregard because sometimes the collection department gets delayed information. 

Before my forbearance ended, my mother and I received emails regarding final notice before reporting to my credit agency -- -- over two months after being approved for forbearance. I called, and was told for the first time that my forbearance was not approved. I told them they were mistaken, and they took the time to read over my account and all included notes. They found I WAS approved but their representatives accidentally sent approval/paperwork/what ever was needed to be processed to the wrong place and that they were under the impression I was over 60 days past my payment. The representative I spoke to in XX/XX/XXXX insisted that they were goin to take care of this, and that if anything were to happen ( my credit being compromised ) to call so discover can fix it. 

Discover ended up reporting to my credit. My mother and I send dispute letters as recommended by their forbearance department. My mothers credit was taken care of, mine still has not. I sent out correspondence and STILL have not heard back. We contacted discover via telephone XX/XX/XXXX. My credit report has still yet been fixed.
Product: Money transfer, virtual currency, or money service

Block inc, Cash app I had multiple transactions of fraudulent activity on my cash app account and couldnt get anyone to talk to only a bot with no results
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$320.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no outstanding balance. This account needs to report a {$0.00} balance and the collection/charge-off needs to be removed. This account is in good standing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

Nationwide Equities based out of NJ have been false advertising on Reverse mortgages. Nationwide has been sending homeowners solicitation through the mail to look like its a check and it says you have been approved for x amount of dollars. These are all homeowners that already have a reverse mortgage. I have had several clients of mine when I worked for Nationwide Equities that have read to me over the telephone what the check says of the solicitation. Most of all the mailers are coming out of XXXX XXXX office in XXXX Md. They print all the letters from that location. I have a list of about XXXX names that they have sent mailers too. I reported this along with another situation I came across when I was working at Nationwide Equities which XXXX and the FBI are working with me and my attorneys in NJ. Here is my incident number when I reported to the CFPB back on XXXX XXXX but got no response. I also have some information on kickbacks that certain employess are getting from using one title company who they forced me to use when I was employed by Nationwide Equities. My incident number is XXXX. My name is XXXX XXXX and my phone number is XXXX. My next call is going to be to XXXX XXXX at XXXX or XXXX XXXX XXXX. They have mailed out over XXXX false advertising fake checks for the last 14 months and are continuing to do this fraudulent activity still today on XXXX/XXXX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

I signed a lease release agreement form with my apartment management team. She insured me that I owed nothing but it is on both my XXXX and Experian report as a collection of owed debt. It is now DELETED from my XXXX report. I want the collection removed from both reporting bureaus, especially with me having signed documentation. I have disputed with all parties and need this DELETED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that are not mine they do not belong to me it is not mine I didnt apply for them I didnt use these I dont know where they are coming from. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute XXXX  XXXX XXXX XXXX. The highest balance listed on the account is incorrect. Please delete the account.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 submitted a letter to the XXXX Credit Bureaus on 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>