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

On XXXX In response to my most recent dispute, XXXX responded saying " they contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. '' This is FALSE! XXXX being the furnisher has affirmed ( providing correspondence ) SEE ATTACHMENT- that upon investigating per my dispute, they have located and removed the item. 

This willful non-compliance is causing harm to my credit worthiness due to inaccurate reporting. 15 U.S.. 1681n.

15U.S.C.1681i : Procedure in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a CONSUMER, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I have been damaged as a result of your failure to follow the law I am requesting the DELETION of the UNVERIFIED item- Bankruptcy case # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX A XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Hey I Received an 1099 Form for the charged off account : Account XXXX XXXX  XXXX Account number : XXXX from creditor an account was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off account must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Over the weekend, I filed information requesting help to get my report fixed, as I have been working with the Equifax since XXXX of last year, The only thing they have done actually make things worse. They have the student loan information completely backwards ; they have the name of the original creditor with the address of the third party. Then listed the third party as paid off. That is actually backwards, the original creditor the XXXX XXXX XXXX sold my loan to XXXX. Who is a third party. They have not removed the hard inquiries that I have not authorized, and or is out of date. They have my car loan on my report that older than 7 years. So now I would like to request the method of verification they are using for all of this information. What I am seeing is they are switching the information to benefit them. Which prevents me from my right of unlimited credit. 
Please help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I want proof. Please and thank you. I have attached both reports that show the incorrect data being published about me. Thank you
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$340.00}
Product: Debt collection

I sent a letter around  XXXX   2017 asking for this debt collection company to show me proof of valadation of this medical debt and they have not sent me anything to prove that it is actually my indeed debt. I have waited pass the 30 days to give the company time to respond to the debt but nothing has been sent to me via mail showing proof that this debt with First Fina  ncial Asset Management is actually  my debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Money transfer, virtual currency, or money service

Cash app was used to transfer fraudulent transactions and micro withdrawal from an account that is fraudulent. XXXX was drafted to unknown account. Cashapp had multiple transactions that were fraudulent transfers to unknown individuals. Cashapp allowed for the activity, instead of fixing the fraud. They closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at everything has to be 100 % accurate on my credit report You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

the credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active and date of last payment is inaccurate date last reported is not accurate this is ground for removal they also violated my right under 15 USC 1681 section 602 a state I have the right to privacy 50 US C 6081 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my instructions
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 these accounts for proper and clear reporting in my file that prevents from degrading my score. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX  XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX XXXX Balance XXXX {$250.00}
Product: Debt collection

SABATINA & ASSOC PC Hello. 

Please see attached. 
RE : Acct/Ticket # XXXX I dispute this alleged debt of {$96.00} from early XX/XX/XXXX. 

Please confirm receipt and take action. I do not owe this alleged debt from XX/XX/XXXX, nearly six ( 6 ) years ago. 

Any other attempts to collect debt is a violation of FDCPA. 

- XXXX XXXX RE : Acct/Ticket # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Public Information Attorney ID : XXXX Current Status : Active Date of Admission : XX/XX/XXXX Law Firm : Other Organization : Address : SABATINA & ASSOC PCXXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX Pennsylvania XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft resulting from a data breach, these entries were made without my authorization and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ).

Fraudulent Accounts : 1. Creditor Name : XXXX o Account Number ( Partial ) : XXXXXXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$2700.00} 2. Creditor Name : XXXX XXXX Account Number ( Partial ) : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$2000.00} 3. Creditor Name : XXXXXXXX XXXX XXXX XXXX  Account Number ( Partial ) : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2700.00} 4. Creditor Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXXXXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$360.00} 5. Creditor Name : XXXX o Account Number ( Partial ) : XXXXXXXX XXXX Date Opened : XX/XX/XXXX10/26/2020 o Balance : {$0.00} 6. Creditor Name : XXXX XXXX Account Number ( Partial ) : XXXXXXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$290.00} Fraudulent Inquiries : 1. Inquiry Name : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX 2. Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX 3. Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX 4. Inquiry Name : XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX
Product: Student loan

I lost my job last XXXX. Navient put me in deferment. Ive been in regular communication with them, they wouldnt offer income-based repayment, said the lowest was $ XXXX/mo. Been trying to reach them since I started a new job last month. I cant get through to a person. Last night, I received a certified letter that theyre going to take me to court if I dont respond by XX/XX/XXXX. Ive been calling the number in the letter and every number posted on their website this morning and none of them work. I can get no further than the 3 prompts. When you select to remain on hold the message replays, if I select to leave a message, the prompt message replays. If I select star for the main menu, the prompt message replays. Its been 2 hours now and I have had no luck. I believe they are nothing but fraud.
Product: Bank account or service

XXXX time is stressful especially on a fixed income. I answered an advertisement to become XXXX, along with many other ad 's at that time. However, when I arrived home, I had a Priority mail parcel. it and there were instructions on how to evaluate a few stores, XXXX or XXXX XXXX, XXXX XXXX and XXXX XXXX. I have all the instructions, and correspondence. 

Anyway, there was a Cashier 's Check included with the instructions, so the next day I took it to my bank, because it needed to clear. Meanwhile XXXX XXXX, sign up supervisor had emailed me asking if I had completed my first assignment. I explained I read through the instructions and deposited the Cashier Check into my bank and was told they could n't cash it and needed to hold it until the funds cleared. I felt confident and waited. The check cleared and the funds became available, so I proceeded to carry out the assignment. 

About two days afterwards I received a notice, on my phone that my account was in a deficit and I received a letter showing the Cashier 's Check Fictitious. I alerted the bank and took documents to show what happened to the branch XXXX and called and revisited the branch on broward and XXXX. The branch manager was very nice, unlike the first manager who just dismissed me and did n't want to listen. Still I had no luck because I stayed int he bank for at least an hour on their phone waiting for the Fraud department to assist. I was disconnected and called XXXX XXXX XXXX and left a message to make some type of payment arrangement to avoid not being able to pay my rent. She was indifferent. The bank basically gave me the run around and kept referring me back to different departments. 

I closing, I feel Chase Bank, had some responsibility for holding the check and not seeing this check was fraudulent, because it is their business. I trusted that if they had to hold the Cashiers Check, that it was standard procedure. I 've never had a problem before. I was told some arrangement could be made by the managers and the fraud department, but no one has assisted me. The XXXX told me to lodge a complaint here and I also submitted a complaint to the FBI, Police and Scam guard. 

I feel as though they are somehow enabling such unfortunate events and not even acknowledging this a XXXX crime. Meanwhile, I may end up on the street.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Product: Credit card or prepaid card

Charged {$35.00} annual fee up front. I assumed this was charged after one year. I only got the card for a short term thing, and would like to close ... Ive had about one month. Please return the {$35.00}. For anyone reading this ... this is a capital one quicksilver card for people with average credit ... apparently they like to XXXX you with these little fees ... if I had better credit no annual fee, lame.
Product: Credit card

I signed up for an American Express Platinum Card, with a link that said that I would receive XXXX XXXX points after meeting the minimum spend of {$3000.00}. 

I did that, legally and legitimately, but they would not let me use my points afterword. 

At some point they told me that my account was under a 6-8 week 'review ' which started after meeting my spend ( it was in XXXX ). 

It has now been 11 weeks, and they will not let me use my points, and they will not tell me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
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 on my Acct # XXXX is fraud. XXXX XXXX, XXXX/XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Debt collection

I am writing regarding the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 
Please provide the following information : 1. Proof that I am responsible for the debt : Documents demonstrating that I owe this debt.

2. Details of the debt : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied.

3. Name and address of the original creditor : If this debt has been sold or transferred, I need to know the name and address of the original creditor.

4. Proof of your authority to collect this debt : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and fraudulent accounts have been added to my credit file. As such, I request that the following accounts and inquiries be blocked and deleted from my credit report, as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$48.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$23000.00} Fraudulent Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I paid a police dept with a money order purchase from a local XXXX, the dept submitted it to the bank, XXXX XXXX, which is who they do business with and the bank flagged my money order as fake. I was arrested. I retained a lawyer, eventually the charges were dropped by the arresting party and I looked into XXXX XXXX, they said it was labeled fictitious by Wells Fargo, which is the bank on the XXXX XXXX money order. Im not sure how or why theyd flag their own document as fictitious but after retaining my lawyer, my court day was XX/XX/year> and was changed because my lawyer had court their day on another case. In XXXX my lawyer told me charges were dropped. I just found out that my money order was processed on XX/XX/year>. I requested proof that it attempted to be processed on XX/XX/XXXX and XXXX XXXX Bank couldnt give me this. XXXX XXXX, XXXX Ones attorney says its XXXX XXXX fault that the money order was flagged fictitious. The money order was credible and Im requesting to know who is responsible for flagging it fraudulent.
Product: Debt collection

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1700.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 40 accounts are open when the accounts are closed. These accounts are paid. The 40 accounts have deducted XXXX points from my XXXX  score. Equifax continues to report these accounts as derogatory and they are not which hinders my XXXX  score from ever increasing and keeps it in a negative status. These accounts have been stuck with this since 2017 to present.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX and i am composing this message and complaint personally because i need help! Equifax the reporting agency is reporting inquiries on my report that i did not approve of/ This is hurting my credit profile and hindering my credit success. I am looking to get a new home in the future and they are making my life hard with these inquiries reporting on my consumer report. I have tried to call them and speak to a manager but the representative continues to place me on hold after saying they can help me, but they do not. I am depressed and i need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Received debt collection letter that states I owe {$27000.00} with no documentation, when asked to produce they have not yet provided how I owe this amount.
Product: Credit card or prepaid card

XX/XX/19 Letter from USAA STATES Verify USAA Credit Card Fraud Charges If you still believe these charges to be fradulent, no further action is needed, and we will continue to pursue this claim as fraud on your behalf. USAA reps DO NOT REPORT FRAUD WHEN I CALL They say a duspute not fraud USAA REFUSES TO SUBMIT FRAUD WHEN I NOTIFY THEM. ( * They CHANGE WHAT I REPORT ) Are they supposed to change what I report? I WAS SENT A NEW CARD BUT NOT PAID FOR THE FRAUD It has been over a year that I have been held liable for the amounts on this letter {$10.00}, XXXX, XXXX, XXXX, XXXX Were fraud investigations ever done? If so when was temporary credit given What results of investigation?
Product: Credit reporting or other personal consumer reports

Felony identity theft left me with an incorrect credit card on my own respective credit report. It is from XXXX XXXX XXXX XXXX XXXX.