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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX about reporting my credit information I will be showing the FCRA Laws that they have broken.
Product: Credit reporting or other personal consumer reports

Opened a line of credit in XXXX of XXXX to accompany a bank account I had with XXXX XXXX My account fell into the negatives due to fraud and due to the account falling into the negatives it delved into the line of credit. After the months of investigations and back and forths the account was allegedly closed and paid. I then received notification my line of credit was not closed, not paid and was charged off in XXXX of XXXX. 

Fast forward to this year, I am working on cleaning up residual negative remarks on my credit so I contacted XXXX XXXX to settle the account. After contacting XXXX XXXX in XXXX of XXXX I successfully made a settlement arrangement and then made the agreed payment to settle the account in early XXXX. 

Since making the payment, the balance on my credit report was updated to state another month was delinquent. I then called and asked to verify the account balance, and verify the payment was applied to the correct account ( despite the representative I made the arrangement with making the payment ) and they stated that there is no account active or in collections associated with me. They subsequently told me to dispute with the credit bureau. 

I then filed a dispute which was closed by XXXX XXXX  stating that everything is accurate on my report. 

I called again, spoke to XXXX departments stating that I had no account and had never had an account with XXXX XXXX  and again told me to dispute with the credit bureau. 

I then filed a dispute which was closed by XXXX XXXX stating that everything is accurate on my report. 

I called again and they told me my account does not be has never existed. 

I asked how is someone validating this debt to continually publish on my credit report with a balance even though no one seems to have any record of the account and I was not answered.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( XXXX U.S.C. XXXX ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Name : XXXX XXXX XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I keep getting emails, almost on a weekly basis, from cashnetusa to an email address I no longer provide to anyone claiming I applied for a loan and was declined.

I have not applied for any loan and I tell them I have not applied and have even submitted a police report to my local police for ID theft.

They reply saying they can not find my application but I am replying to an email they sent.

They claim they have blocked my email address yet I still keep getting these fraudulent application results.

none of the applications are showing up on my credit report and the names they are using for me are not my name but offensive terms.

Clearly there service is being used to harass me by someone who has been stalking me for years.

All of their continued emails despite me telling them to stop is also a can spam violation.

the email address they are sending this to is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All of these accounts listed are closed with no amounts or Account number XXXXXXXXXX with a balance of {$0.00} and there's a duplicate with the same alleged owed amount of {$0.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/ 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 001, 002, 006, 023, 024. 

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

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off evely month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I identified inaccuracies in certain pieces of information. Both Equifax and XXXX credit bureaus are required to authenticate these accounts according to the guidelines outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). They are not permitted to label these reported accounts as unverified without furnishing evidence within the legally stipulated timeframe. The specified accounts necessitate scrutiny and rectification for their erroneous inclusion in my credit file, as detailed in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX CDT received call from XXXX XXXX WELLS FARGO. Representative advised because I made payments on time. All cards will be paid in full in 3 months if payments were made by due date. After I gave account numbers & balances for 5 credit cards. I was told I would receive call in 24 hours. I asked to speak with manager, representative hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously attempted to have inaccurate information removed from my consumer profile due to the timeframe being more than 7yrs as outlined by 15 usc 1681 ( a ) ( 5 ). I received mail confirmation of actions taken by XXXX but have not seen this reflected on my most recent XXXX merged report ( which I have attached below ). These late payments were supposed to be verified by XXXX by how they could have done this with differing information on my credit profile still. Date opened, credit limits, high credit, last reported, date last active, and date of late payments ( which was the original issue late payments ). These inaccuracies have impacted my life since 2012 and Ive even paid on them to have my life unjustly affected due to negligence. 
These are my pervious complaints : XXXX XXXX XXXX Equifax XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX XX/XX/2020, I sent a letter to Equifax asking to show me how they are validating a debt when other bureaus are stating that they can not verify this debt. I sent information showing this and have not received anything back within the last 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. Violation XXXX PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX violation XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING THIS ACCOUNT HAS BEEN CHANGED FROM XXXX  days late too XXXX  days late that inaccurate information MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & XXXX  DAYS NO LATES IN PAYMENT HISTORY. Violation XXXX LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XX/XX/XXXX this account is incorrect .violation XXXX LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE XXXX  DAYS LATE. Violation XXXX Remarks : THERES NO NOTICE OF DISPUTE. Violation XXXX PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. Violation XXXX Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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.

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION STOP UPDATING THESE ACCOUNTS Want removed
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX GA, XXXX 2 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX GA, XXXX 3 BK OF AMER # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation
Product: Credit card

I lost my card and called Wells Fargo regarding unauthorized charges on my credit card. The unauthorized charges were {$2200.00}. I have been trying to solve this issue but Wells Fargo kept on denying it and saying that they were authorized, just because I have previously had similar issues before.
Product: Credit card or prepaid card

Bank Of America XXXX XXXX card ending in # XXXX is wrongfully withholding my {$120.00} that was deposited XX/XX/2022 as an electronic deposit from a refund from a vendor, XXXXXXXX XXXX XXXX XXXX XXXX AZ.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Report : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  are inaccurately reporting the payment history of my student loan account. I have been enrolled in school and is erroneously reporting late payments. I sent Transunion and XXXX   documentation from the loan service provider verifying that my loans were under forbearance for the time period the loans are reported late. Transunion removed the late payments initially but placed them back on my report without notifying me. XXXX  never responded to my request. Transunion and XXXX are violating the law by reporting inaccurate information.
Product: Credit card or prepaid card

Received a usbankreliacard from Colorado Dept of LBOR. Did not apply for any unemployment benefits. Company is lying about the reasons they sent me this VISA card. USbank phone number is unreachable from overseas. no email contact provided. no ability to cancel or close account on their website. Company is obviously trying to make it impossible to reach them or instruct them to close account and cancel card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did a dispute through the 3 credit reporting agencies, came back verified. I then contacted the furnisher by telephone who advised me they did not have any accounts in my name and not only that they are not furnishing any information to any of the 3 bureaus. Once off the phone a few days later they followed up with a letter to confirm what was told to me through on the phone. Once i received the letter i sent the letter sent to me by the furnisher along with another dispute against these accounts, and once again it came back verified. I have been trying to fix this issue for almost 3 years to no avail. On some of the accounts they even say disputed in BK. I disputed this inaccurate information multiple times as student loans can not be included in BK 's. Still will not remove or update and still being reported as verified to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

BMW FINANCIAL SERVICES XXXX Date Opened : XX/XX/2019 Balance : {$73000.00} ;
Product: Checking or savings account

I called cash app to update my card, they told me it would be {$55.00} dollars, they took the funds, I received the card tried to activate it and it wouldn't activate. I contacted them, someone tried to activate it, then returned and said cash app was not going to activate the card and at this time I couldn't have a debit card. I asked why they said bc it was cash app decision, I said can you refund me for the new card and restore my old one they said no. I asked to speak to a supervisor. Supervisor assured me it was a misunderstanding and would be fixed in 3 business days and he would personally contact me. Didn't happen. Never received my money back or a reason for this account lock. This was in XXXX of 2024. I've locked my card and fund were still taken out with the card locked. Cash app has taken money and just stayed it was there decision and that's it
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX 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 am writing to bring to your attention the presence of inaccurate information in my credit profile, specifically pertaining to my accounts with XXXX XXXX, XXXX, and XXXX and XXXX. I have attached supporting documentation to substantiate my dispute and request a thorough investigation and correction of these discrepancies. 
I kindly request that the Consumer Financial Protection Bureau initiate an investigation into these matters, review the attached documents, and take appropriate actions to rectify the inaccuracies in my credit profile. Additionally, I request that you notify the respective credit reporting agencies to update my credit information accordingly.
Product: Mortgage

This is regarding CFPB complaints # XXXX, XXXX, XXXX, XXXX, and XXXX. 

XXXX XXXX  sent the wire correctly following XXXX 's instructions. 
See the attached documents. 
The error is on Wells Fargo 's receiving end. 
Just keep your word and promptly refund me the overpayment. 

Attached are the proofs. 
XXXX XXXX  letter proves that identifying information on the wire to apply the payoff balance on XX/XX/22. 
The error was on the Wells FargoXXXX XXXX receiving end . 
While waiting for resolution, I paid {$2000.00} on XX/XX/22, {$1600.00} + {$1600.00} + {$61000.00} on XX/XX/22, which is more than {$66000.00} I owed per XXXX. 

Honor the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.
Product: Credit reporting or other personal consumer reports

Conducting sham investigations failed to property address consumer dispute improper reinvestigation and accurate consumer report stopping me from getting equity loan credit cards and business funding and I would like compensation reimbursement and we added to the lawsuit settlement they went past the 30 days and at some points I did not hear back from them XXXX XXXX and XXXX