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

I am reaching out to file a complaint regarding an account from Digital Federal Credit Union ( DCU ) that is currently appearing on my credit report. I do not recall entering into any agreement or opening any account with DCU, and I am requesting that the company provide verification of this account. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting that DCU verify the validity of the account, including documentation to confirm that I have a legal obligation to repay any alleged debt. Specifically, I would like a copy of the original contract or agreement that includes my wet signature, if such a contract exists. 

I also want to bring to the companys attention that under the Right to Financial Privacy Act of 1978, 12 U.S.C. 3401 et seq., I have a right to privacy regarding my personal financial records. No financial information linked to me should be reported to third parties, including credit bureaus, without my knowledge and written authorization. If DCU is reporting any account or data about me without my explicit consent or an enforceable agreement, this could represent a violation of federal privacy protections. 

I am simply requesting transparency. Please confirm whether the account is valid, and if so, provide the documentation that shows how this obligation was established and authorized. 

I appreciate your time and attention to this matter and respectfully ask that the CFPB assist in ensuring that my consumer rights are observed and that only verified and lawfully reported information remains on my credit file.
Product: Credit reporting or other personal consumer reports

I have asked all creditors for over 8 months to validate debt, Send me a payment ledger. I have asked how was any accounts validated. The credit bureaus have been ignoring me. They have taken up to 75 days to answer any disputes. The Outdated, Inaccurate, incomplete, not my account, or responsibility ( No Contractual Proof ). You NEED to PROVE IT or LOSE IT from my credit report. 
I am writing this letter to your company in unproven reportability with just that, assumed information you are reporting that you believe is correct. Let me ask you this? Was this information justified and did you ask for proof? If so, I DEMAND the proof to be mailed to me immediately if this information shall remain. These are obvious infractions of the FCRA or FDCPA : XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX  Account : XX/XX/XXXX XXXX XXXX Account : ( opened XX/XX/XXXX ) XXXX XXXX Account : XXXX ( opened XX/XX/XXXX ) PenFed : opened XX/XX/XXXX XXXX Federal Account : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX wages : Pandemic payments in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : ( opened XX/XX/XXXX ) XXXX XXXX XXXX : ( opened XX/XX/XXXX XXXX  XXXX XXXX  Account : ( opened XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX All three bureaus I have never lived at the address on the file for this creditor that has been removed under another collection name in XX/XX/XXXX. 
XXXX XXXX Account : XXXX ( opened XX/XX/XXXX, only on XXXX and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I looking over all  XXXX  of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation.   Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all ite   ms that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX   #   XXXX   Never don business with this company error please delete.
2.  XXXX   XXXX   XXXX   #   XXXX   This was discharged in Bankruptcy and is listed wrong please delete.      3.  XXXX   XXXX    #  XXXX  This account was paid and is listed wrong error please delete.   4. XXXX  #   XXXX   This account was  discharged in  Bankruptcy error please delete.    5.  XXXX   XXXX   XXXX    #  XXXX  This account is FRAUD I have never had a credit card with this company ever.    6.  XXXX   XXXX   XXXX     XXXX   XXXX  This account is listed wrong and dates and status are wrong please delete.    7.  XXXX   XXXX    #  XXXX  This account was never verified please delete.
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/2023 I sent XXXX $ through world remit and they have removed the money from my account but the recipient hasnt received the money yet
Product: Credit reporting, credit repair services, or other personal consumer reports

Update personal info and delete the accounts violating the FCRA
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Mohela has been secretive, unavailable and isn't set up to manage student loan debt. I've been inquiring about my PSLF status for roughly 3 years. I haven't heard anything regarding the status of my application, only that it has been received. This has caused financial hardship in that working in a XXXX XXXX XXXX XXXX, I am sacrificing compensation for forgiveness of loans. In three years, Mohela hasn't even looked at the application. Have I just worked three years in a position for the sole purpose of debt relief, but the application itself hasn't been looked at? Why would I continue to keep working in a XXXX XXXX XXXX for loan forgiveness if the service provider is not communicating with me? Recently, Mohela has won a major supreme court decision that affects my assets and well-being. They put a lot of assets into the court case, but nothing in the way of providing the service they claim to offer. It is this blatant disregard for the borrower and their lust for profits that is terrifying. Since taking over the " service provider '' role, Mohela hasn't provided anything, but confusion, potential wage and career loss and stress. Mohela is only interested in profit and it is very obvious in the way they ignore the borrower and are only visible when they are in court attacking our payment plans.
Product: Bank account or service

XXXX/XXXX/16 I got email from my bank about person to person transfer {$2000.00} was originated to a person by name XXXX XXXX, the transfer was scheduled to go out the next day. I immediately called TD bank tech support line and told them it is fraud, I do not know the person and never originated the wire. TD told me they stopped the wire, they blocked online banking login and gave me 100 % assurance my money are safe, transfer stopped. But the next day money went out and were in pending status, I called again, TD again said they give me 100 % guarantee my money are safe and will be back on my account in 2-3 days. on XXXX/XXXX/16 my money left my account for good. I called TD again, they put all the blame on me, finally transferred me to fraud department. I also filed a police report locally. TD bank did not do anything to stop fraud money transfer originated from my account, they let the transfer to go thru, now they refusing to give me my money back, telling me I must wait 2 wks for their investigation, and even after that, they say no money back guarantee. It can not be that someone hacked into my online banking like the bank says because that someone was acting and changing the transfer data after TD completely blocked my account from online access. It is totally TD fault
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I reviewed my credit report and identified several items that were incomplete and inaccurate. In response, I sent a formal letter to Experian on XXXX XXXX XXXX requesting an investigation into the completeness and accuracy of the reported information. However, upon receiving the results, I found that the issues were not corrected, and Experian failed to adhere to federal law. 

Violations of Federal Law 1. Failure to Ensure Maximum Possible Accuracy ( 15 USC 1681e ( b ) ) : According to 15 USC 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information on a consumers credit report. Experian failed to do so, as the inaccuracies in my report remain unresolved.

2. Failure to Provide a Description of the Reinvestigation ( 15 USC 1681i ( 7 ) ) : On XX/XX/2023, I requested a description of the reinvestigation procedures as required by 15 USC 1681i ( 7 ). This law mandates that the consumer reporting agency provide such a description within 15 days of the consumers request. To date, Experian has not provided this information, further violating federal law.

3. Failure to Correct Inaccurate or Unverifiable Information ( 15 USC 1681i ( 5 ) ) : Per 15 USC 1681i ( 5 ), if information on a consumer report is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the reporting agency must promptly delete or modify the item and notify the furnisher of the changes. Despite my dispute, Experian has not taken appropriate action to correct or remove the inaccurate information.

4. Furnishing Inaccurate Information ( 15 USC 1681s-2 ) : Under 15 USC 1681s-2 , furnishers of information are prohibited from reporting inaccurate data when they have actual knowledge or reasonable cause to believe it is incorrect. They are also obligated to cease reporting disputed information after being notified and confirming its inaccuracy. However, the inaccurate items remain on my credit report, indicating noncompliance with these obligations.

Requested Resolution I respectfully request that the CFPB investigate this matter and ensure that Experian complies with federal laws by : 1. Correcting or deleting the disputed items on my credit report. 
2. Providing a detailed description of their reinvestigation process, as required by law.

3. Taking appropriate action against any furnishers that continue to report inaccurate information. 

I have attached relevant documentation, including copies of my disputes and Experians responses, to support my complaint. Thank you for your attention to this matter. I trust that the CFPB will take swift action to ensure my rights as a consumer are upheld. 

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

Spring oak has been removed from every reporting agency expect Transunion. Spring oak Is linked to a XXXX account that was flagged as fraud due to being paid off and still looking for collections. Spring oak has reported multiple conflicting information on multiple accounts with hopes of bullying for a payment. Spring oak has no accurate information. Account is listed as open and closed at the same time, account information is inaccurate, account dates are fraudulent, account is invalid. 

When disputed agencies have update inaccurate information instead of removing which is a FCRA violation. When told consumer rights had been visited I was told its not are job to verify information its the companies.
Product: Debt collection

I received a settlement letter from Medicredit INC with an outstanding balance of {$1600.00}. I was told if I paid {$830.00} that this would settle and close out the account. I wrote a check for {$830.00} which cleared my bank on XX/XX/XXXX. I called them on XX/XX/XXXX and XX/XX/XXXX after getting messages that I still owed them money and talked to a young lady that told me the account had been sold to their secondary company on the XXXX of XXXX and I was now going to have to pay the secondary company. Medicredit INC says I still owe them the {$830.00} to get this off my credit but they already cashed my check, so I asked to speak to a supervisor and was told to leave a message that they never returned. Got a call on XX/XX/XXXX and talked to XXXX XXXX Who again told me that Medicredit INC had sent my account to their secondary company on the XXXX after they had already cashed my check on the XXXX of XXXX, demanding I still needed to pay the additional {$830.00}. I Told her that they needed to return the check they cashed because they took the funds without providing the agreed upon service. I would then send the money on to this secondary company that they sold it to. XXXX XXXX said they would not return the money and that I would have to pay their secondary company an additional {$830.00} before they would remove it from my credit. From my understanding after Medicredit INC cashed the check they should have closed my account. I am failing to see how it is legal for a company to take my money then renege on the contract and sell it off to a parent company.
Product: Vehicle loan or lease

Bridgecrest charged off the loan. I only owed about {$1000.00} when I lost my job and couldnt make payments. Now I owe more than twice as much, and they wont send the title to MS so I can renew my license plate. I paid for that car more than twice over, due to their predatory loan interest. I have a special needs child who has to go to medical appointments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im an XXXX XXXX owner and did received a fraudulent email which was pretend to be XXXX but what a scam. 
I did submit all information such as social security number, current address, maiden name date of birth, and full name. 
Also a credit card information, number and security number, although I did contact my bank and block credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experina is reporting inaccurate information on my credit report. Its showing an account is late when the account shouldnt be late and should be paid off and closed. Theyve lowered my credit scores because of this inaccurate information
Product: Checking or savings account

Made an online payment to XXXX for {$510.00} on XX/XX/2022. On XX/XX/2022 Citibank did a payment reversal. 

I received an email on XXXX noting my XXXX account is past due and a {$25.00} late fee has been assessed ( unsure if late payment will reflect on credit report ). 

Attempted contacting Citi on XXXX via phone call. Waited on hold for approximately 45minutes before being disconnected. Called back three times, all three times >30min hold. Third call back ( fourth total call ) got ahold of representative who would not verify my account. Noted I shared all the correct information but I would have to call back to the same number I called to verify my information for fraud prevention ( XXXX ). 

Called again on XXXX. Called three times, each call wait time >30minutes. First two calls were dropped after 30minutes. Third call I got through to representative, shared my phone number to call me back in case disconnected. We became disconnected and they did not call back. 

Called again on XXXX same situation. Called four total times this day. Representative informed me I needed to call back to verify my identity and call fraud department.

I can not get a representative to speak to me in addition to my original issue of citibank reversing ANY charges/payments/transactions I make with XXXX. 


When contacting XXXX XXXX XXXX their system reflects Citi as reversing the transfer/payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Missouri, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Transunion XXXX, Transunion XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, reported to the Transunion that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights
Product: Credit reporting or other personal consumer reports

Went to collection site on XXXX of XX/XX/year> to provide specimen for drug test and results have been delayed with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to complaint # XXXX-XXXX. It was corrected all of 10 ten days ago and they have XXXX  IT UP AGAIN!!! TransUnion is the only one of the three agencies that I continuously have this problem with. There has to be repercussions that are imposed on them or they will continue to XXXX with peoples lives.
Product: Vehicle loan or lease

I refinanced through XXXX  XXXX. They sent the appropriate payoff amount directly to Chase with all of the required information in early XXXX. Chase signed for and cashed the check, then sent the money to a third party for no reason at all. They refused to get the money back, and have been sending me notices that I am late in payments, have ruined my credit, have turned the account over to collections ( although they no longer own it ), and are currently threatening to repossess my vehicle. 
XXXX XXXXXXXX retrieved the payoff money from the 3rd party, and Chase is now saying that they need 2 weeks " to review '' the account. 
As a result of their negligence, my credit rating has declined XXXX points, and I am getting daily collections calls from the 3rd party. The latest call threatened to repossess the truck ( that they do not own! ). 
I have made frequent calls to Chase, as has XXXX  XXXX, to no avail. Chase refuses to acknowledge their malfeasance, and have repeatedly lied to shift blame onto either myself or XXXX  XXXX. They have said that the wrong information was sent, that the original check did not have the correct account number, that I haven't made payments, or that the 3rd party has the money- all easily verified as false. 

Chase acknowledged that the payoff was cashed by another company affiliated with Chase, and that they haven't attempted to apply the money correctly. They also acknowledged receipt of the documents and acknowledged that the check had been cashed by the Chase affiliated. 

They have said that they need to " investigate '' - in the meantime, my credit is ruined, and I it has resulted in my application for a business account to a different bank be rejected. 

I am including the documentation from XXXX  XXXX. 
I need immediate help. 

Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The FederaXXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I've been down this road before, tirelessly disputing the same inaccuracies on my credit report time and time again, only to see them resurface like a stubborn weed! It's beyond frustrating to continually fight this uphill battle, providing evidence and explanations, only to have my efforts seemingly fall on deaf ears. How many times must I go through this exhausting process before someone takes notice and actually corrects the errors? My patience is wearing thin, and rightfully so! It's about time the credit reporting agencies take their responsibility seriously and finally address these inaccuracies once and for all!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern. 

I wish to file a complaint against XXXX XXXX XXXX XXXX for reporting false information on my credit reports. They state that I owe a debt to the Creditor ( XXXX XXXX XXXX XXXX XXXX 
I have sent them a validation letter for the to prove that. 
1. I am the rightful owner of this debt by sending me the Original Contract with my original signature, the name, address and telephone number of the Creditor, the full payment history of this account with all the payments made, and proof that they are authorized by the Creditor to collect this debt. 
All I received from XXXX XXXX XXXX is photocopies. All they did is tried to falsify the paperwork. 

Furthermore, I contacted the XXXX XXXX XXXX XXXX XXXX  to find out if XXXX XXXX XXXX is working with them, and I was informed that this debt collection agency is not working with the Creditor.
Product: Checking or savings account

I was trying to open a brokerage account and i tried to link my pnc account to that account to fund it and was told there i can not do that.