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

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2017 {$1100.00}, XXXX XXXX XXXX XXXX XX/XX/2017 {$0.00}.
Product: Credit reporting or other personal consumer reports

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing XXXX XXXX, and I have provided documentation for verification. Please expedite your investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$8900.00}
Product: Credit reporting or other personal consumer reports

I recently looked at my Transunion Credit Report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX. XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXXXX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have a permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. Department Of Education XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX  XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, my partner and I moved out from our apartment, owned by XXXX XXXX  ( Of XXXX XXXX ). A week or two later, we were presented with a sheet informing of us the " damages '' done to the apartment, the flat costs for these fees.

We disputed this with the rental agency and asked for receipts of the cleaning fees and other such fees they directly paid, as is outlined by Nebraska Law. Specifically, Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421.

Myself and my partner have both submitted disputes with all three credit bureaus regarding the illegal debt trying to be collected by XXXX XXXX XXXX XXXX. This has thus far been removed on both of our XXXX and XXXX reports, as the debt has no legal basis in the State of Nebraska, but still remains on both of our Equifax reports. If the majority of credit bureaus have already ruled that this debt is illegal in the State of Nebraska, as outlined by the law above, why does Equifax see fit to keep this illegal record on our credit reports? 

Additionally, XXXX XXXX XXXX claims this debt on behalf of XXXX XXXX. We didn't rent from XXXX XXXX, we rented from XXXX XXXX. Second, how could the date of first delinquency for this account be XX/XX/2022, when that was our move-out date? How could it possibly be owed that same day, without first getting quotes from cleaning crews, repairs, etc, if necessary? Receipts that we are owed by law? Thirdly, when we sent a certified letter to XXXX XXXX XXXX and they responded to us, without the verification of debt, asking us to call them for further questions. They violated the law, blatantly. Under the FDCPA, a collector must provide you with the information requested about the debt. NONE of that was ever provided to us by XXXX XXXX XXXX. They have failed, at every step of the way. They list the wrong residence company as the " original debtor '' on a debt not valid under Nebraska law, with the wrong first delinquency date, and violate the law while doing so. 

We have both disputed this directly with Equifax, XXXX, and XXXX. It only remains on our Equifax account, as it was " verified '' by XXXX XXXX XXXX. Short of the receipts we were legally entitled to, which they never provided in the timeframe necessary for this debt to have any validity, which was never provided after repeated attempts at contacting BOTH XXXX XXXX and XXXX XXXX XXXX for proof of debt.
Product: Payday loan, title loan, personal loan, or advance loan

Greensky Financial ( A Goldman Sachs Company ), took out my payment twice without my permission. Now they are saying it will take 30 days to get a response and then however long to return the money. They STOLE my money from my banking account without my approval or consent. I pay more than is required each month to pay the loan off faster. They duplicated the payment which now has me short. I am on a fixed income and this affects my dental work on the XXXX of this month which is medically necessary. A company like this should not get away with telling someone 30 days minimum for a refund. Total scam company and what an embarrassment to Goldman Sachs
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

( Original Creditor : Sezzle Inc. ) ( Collection Agency : XXXX XXXX ) Account # XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I have contacted ( Original Creditor : Sezzle Inc. ) ( Collection Agency : XXXX XXXX ) Account # XXXX and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report. 

( I have provided a preponderance of evidence that the account does not belong to me and is a direct result of identity theft. )
Product: Credit reporting

Equifax keeps reporting debt from XXXX XXXX XXXX for {$180.00} this debt is past the statute of limitations. Seven Years
Product: Mortgage

I paid my mortgage payment (XXXX) in XX/XX/XXXX to XXXX. In XX/XX/XXXX, XXXX sold my loan to Bank of America. Bank of America stated that they did not have a record of me paying in XX/XX/XXXX so I doubled paid Bank of America in order to prevent any issues. I paid twice (see attachment) in XX/XX/XXXX, which included one payment for XX/XX/XXXX and an extra charge of XX/XX/XXXX as well. To resolve the issue, I called Bank of America and went in person multiple times. They told me to get my payment history and they would resolve everything. Thus, I obtained my payment history (see attachment) from XXXX that showed my XX/XX/XXXX payment (XXXX) being made. I also obtained my bank statement (see attachment) that showed my XX/XX/XXXX being made. Even though I provided evidence to Bank of America, they have not acknowledged that I paid or refunded my payment. I would like to receive a refund for over paying XXXX, since I doubled paid for XX/XX/XXXX. One payment was made for XX/XX/XXXX in XX/XX/XXXX. The other payment was made in XX/XX/XXXX was also for XX/XX/XXXX.
Product: Credit reporting, credit repair services, 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. 
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 15 U.S.C 1681

section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.
Product: Debt collection

Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. The history for XXXX and XXXX is missing -- COMPLETELY. The history for XXXX has gaps in payment history and differs from the other reports that XXXX and XXXX has provided. The last activity dates are inconsistent and seemingly updated randomly. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX, I received a text from Chime asking if I had authorized a {$900.00} charge at XXXX XXXX XXXX. I immediately texted back " NO ''. They replied " Thanks for your response. Your debit card has been restricted and a representative will be in contact with me shortly. 

On this same day at XXXXXXXX XXXX XXXX, I received a call from Chime Financial XXXX, they asked me to verify my mailing address as they would be sending a new card out to me and since the one I had was compromised. He was a male representative from what I could tell. He also stated that my account had been duplicated so the funds were being moved to the new account. It didn't sound right. So I hung up and called the same number that had called me, and I spoke with another Chime representative who stated that the call must've been fake and someone " tricked '' me. When I went to look at my accounts, both the checking and savings had been drained to {$0.00}. Although the number had originally came from this same number that I had dialed, the representative told me that all he could do was file a dispute on my behalf. 

I checked my account the next morning, and both savings and checking were at a {$0.00} balance and I had an update stating that my dispute had been declined and that there was nothing further that they could do to assist me unless I provided additional documentation for them. I sent them a copy of the text message that I had received asking about the attempted purchase, the call log that shows that I received an incoming call from Chime initially, I also sent a copy of a filed police report. Once again, my claim was denied within 30 minutes. I called back and asked to speak to a supervisor who told me that once was a dispute was declined that there was nothing else that they could do for me. I am not out of {$1300.00} and Chime Financial is not willing to accept any accountability at all for the charges. The transaction memo also states that I paid someone named XXXX XXXX, whom I have never heard of ... and the reason for the transaction was listed as " Chime Reversal Payment ''. I also attached an email that states that they sent me attachments to show how they made their decision and nothing was attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion You are reporting incorrect information to my credit report for the following account from POSSIBLE FINANCIAL you are reporting a monthly payment on a closed account PLEASE DELETE ACCOUNT IMMEDIATELY proof will be attached below
Product: Mortgage

Hi, I have been trying to get my mortgage modified since XXXX. My servicer is Caliber Home Loans. My uncle co-signed my loan when I purchased my house. I was told by XXXX XXXX, my Caliber representative to have a quit claim deed filed removing him which I did in XXXX. My uncle does n't live in the property and does n't contribute to my household. I have submitted XXXX loan modification applications. I am also working with a HUD counseling agency. The very last modification that was submitted she thought we had worked out this issue regarding my uncle and the quit claim deed. They continually ask for either his financial information or the quit claim deed. I have submitted the quit claim deed numerous times. When my counselor called Caliber and spoke to their representative XXXX ID XXXX she explained the whole situation. XXXX stated that they could n't see the transfer of title. They each pulled up a copy of the deed and the counselor showed the Caliber representative exactly where the transfer was. XXXX stated she understood and could see it and would show underwriting and have the file escalated. XXXX advised the counselor to call her back in a few days ( XXXX XXXX ) When my counselor called XXXX back a couple days later for a resolution XXXX did n't pick up the phone so the counselor left a message. XXXX never called her back so the counselor called again and was told the file was denied because they never received the quit claim deed or my uncle 's financial information. This is very frustrating as I feel as if this is being done on purpose. I have submitted the complete package to them again today with a letter explaining the deed transfer.
Product: Credit reporting or other personal consumer reports

Consumer revoked furnisher, XXXX XXXX  ability to report my private information to any non-affiliated third parties per FCRA and the Electronic Transfers Act. 

Furnisher response : Due to your dispute, we will continue to report your account as 'disputed ' until you advise XXXX to remove the dispute status. We report to the following credit bureau reporting agencies : XXXX XXXX Equifax 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 They are willfully non-complying with my request and under FCRA and the Privacy Act of 1974, that is a violation. Under the FCRA, willful non-complying carries a penalty of {$1000.00}, per violation ( 15 U.S. Code 1681n ). My privacy is being violated by the furnisher and the non-affiliated third party agencies listed above. Please remove the trade line. 

Each month after the date of XX/XX/XXXX that XXXXXXXX XXXX continued to report is a willful violation on their part and any third party reporting my private record. 
5 US Code 552a.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Money transfer, virtual currency, or money service

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

Student Loans reached a paid in full status on XX/XX/2020. Since then, I have tirelessly made an attempt to get my student loan status updated. I referenced XXXX XXXX XXXX XXXX Fraud Class Action Lawsuit : XXXX et al. v. XXXX XXXXp. et al., Case No. XXXX, in the XXXX XXXX XXXX for the District of New Jersey . XXXXXXXX still has XXXX inaccurate reports on my credit report. They are still reporting delinquencies which should no longer be impacting my score. They are still reporting this on accounts that have been completely paid in full. I have tried to negotiate with them and they still left these remaining accounts. All claims were also send to all XXXX credit bureaus to report these discrepancies. 

Under The Department of Education, I have XXXX accounts still reporting delinquencies after the accounts have been paid in full. 

I have submitted these claims to XXXX, Equifax and XXXX multiple times. These XXXX accounts are still reporting and negatively impacting my score on accounts that should have been updated along with the other student loan accounts previously paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX through XXXX XXXX Kept breach a secret for months that allowed the hackers a head start on using the information gained. 

equifax system breach. Allowed access to my personal information that could/will cause problem for the rest of my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Telfono : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Tx XXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received an alert on my credit file of an unknown inquiry. Please investigate and delete immediately XXXX XXXXXXXX XXXX ( XX/XX/2023 ) I am not liable for this inquiry its fraudulent.
Product: Student loan

AIDVANTAGE CONTINUES TO PERPETUATE FRAUD WITH RESPECT TO MY STUDENT LOANS. MY STUDENT LOANS WERE FRAUDULENTLY PLACED IN INCORRECT STATUSES BY MY LOAN SERVICER NAVIENT GOING BACK TO AT LEAST THE YEAR XXXX  I WAS GIVEN BAD INFORMATION AND STEERED INTO STATUSES AS WELL AS CONSOLIDATION ALL IN AN EFFORT TO TAKE ADVANTAGE OF ME ( A STUDENT WHO THOUGHT MY LOAN SERVICER WAS OPERATING IN MY BEST INTEREST ). 

I AM NOT BEING GIVEN CREDIT FOR AT LEAST 10 YEARS - XXXX ( 3 YEARS ) ; XXXX ( 5 YEARS ) AND XXXX ( 2 YEARS ). 

I SHOULD HAVE WELL OVER THE XXXX PAYMENTS TOWARD XXXX FORGIVENESS.
Product: Debt collection

I want to file a complaint against Capital One because they added back to my credit after three years