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

I received a copy of my credit report and found the following items to be errors and incorrect.

I did not apply for credit with your company or bank.

The inquiry needs to be removed immediately from my credit report.

Cap One Inquiry from XX/XX/XXXX The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

The following credit inquiries are related to none of the fore mentioned permissible purposes. I did not apply for credit with your company or bank.

The inquiry needs to be removed immediately from my credit report.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights.
Product: Credit card or prepaid card

Complainant : To : CFPB Bank of America breaks the law by refusing to dispute {$95.00} One Class charged XXXX/XXXX/XXXX. 


Complainant bought specific course from One Class but found that the course was listed without content specifically linked to the specific course bought. 


Complainant alleges One Class commits tortious fraud. 


Complainant requires refund of {$95.00} plus finance charges. 


XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. The details of the discrepancies are as follows : XXXX XXXX : XXXX is reporting a balance of {$180000.00} across XXXX accounts. 
XXXX shows a balance of {$0.00} across all accounts. 
TransUnion shows a total balance of {$200000.00} across XXXX accounts. 
These inconsistencies are significantly affecting my credit standing and do not accurately reflect my financial obligations. Under the Fair Credit Reporting Act, Section 15 U.S. Code 1602 ( p ), I am entitled to an accurate credit report. I request that the aforementioned discrepancies be investigated and corrected immediately. Previously you have reported XXXX account totally XXXX this has cause great strain on my business prospects and financially stability. And defamation character Section XXXX ( XXXX ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 
Please find attached copies of my credit reports from XXXX, XXXX, and TransUnion highlighting the discrepancies for your review. 

I appreciate your prompt attention to this matter and look forward to your response. Please confirm receipt of this letter and keep me informed of the status of your investigation.
Product: Checking or savings account

Yes this started back on XXXX the XXXX i got a check in the mail for {$850.00} From XXXX XXXX because the man who was buying my truck from me he paid me {$850.00} so I go to Wells Fargo ATM to deposit the check into my account well it told me half my money would be available the next day well I never seen any of the money the whole day well the XXXX of XXXX I still had no money well Wells Fargo said the check was sent back to XXXX XXXX because they thought it was fraud and then they also told me I had to go into a branch and verify my identity before I can start using my online banking which I did on XX/XX/XXXX and I had access to my online banking and then they cut it out and told me I need you to go back and get reverify no I have no access to my online banking or nothing Don't know what's going on or anything
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 ( CFPA ) specifically, Cash app failed to take a timely and effective measures to prevent and address Fraud on their platform, Leaving my account vulnerable and unprotected. furthermore, their resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer app ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

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 : XXXX  XXXX XXXX Balance : {$410.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report referenced below, which are the result of a data breach or fraud. Additionally, I demand verifiable proof bearing my signature or electronic signature for any unauthorized inquiries. 

This letter is being sent directly by me, not through a third party, so I ask that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these violations fall under : FCRA Section 605B Block of information resulting from a Data Breach or Fraud ( 15 U.S.C. 1681c-2 ) FCRA Section 604 Permissible purposes of consumer reports ( 15 U.S.C. 1681b ) I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts and inquiries, they are inaccurate and must be considered the result of a data breach or unauthorized reporting by creditors and/or third-party data furnishers. 

The FCRA requires XXXX to investigate these disputed items and take appropriate action, including deletion or blocking, within four business days of receiving this letter, as outlined in FCRA 605B ( a ). Enclosed, I have attached copies of the relevant FCRA sections for reference. 

Please acknowledge receipt of this dispute and provide a written response detailing the corrective actions taken. If the disputed items are not addressed in compliance with the FCRA, I will consider further action to protect my rights.
Product: Debt collection

On XX/XX/XXXX I had a XXXX at XXXX XXXX XXXX XXXX. I have been making payments on this account to XXXX directly. I currently owe {$150.00} from that date according to XXXX  website. Today I was contacted by transworld systems to pay a balance from that date for that doctor of {$300.00}, which is the previous balance. They gave me a fake account number that doesnt remotely resemble any other XXXX   account number Ive seen. They tried to say it was a different debt and then they tried to say it was a balance from XXXX. I look online at the XXXX  portal and they say I owe {$150.00} from that day in question. I am livid because they are trying to extort money from me that I do not owe. I have asked them not to contact me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN AN IDENTITY THEFT REPORT AND THEY SENT ME BACK A RESPONSE AS VERIFIED AN UPDATED THE ACCOUNT I NEVER RECIEVED ANY GOODS NOR APPLIED FOR ANYTHING WITH THIS COMPANY.SOME OF THE ACCOUNTS LIKE FIRST XXXX XXXX, XXXX XXXX, AND XXXX  HAS BEEN REPORTING CLOSED FOR OVER 7 YEARS AND STILL THERE, AND THOSE ACCOUNTS WERE FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May ConcernI was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. 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, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW.  The following account are still unverified : 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 I demand original paperwork, contract or bills of sale something, the account are not accurate on my file
Product: Credit reporting or other personal consumer reports

on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ticket. It goes on my driving report for XXXX years. I have a copy of my XXXX XXXX which shows the citation. However, lexis nexis is showing this violation as a XXXX. I was not driving or in a car. There was no vehicle involved. The information they are sending to insurance companies is not accurate.
Product: Credit reporting or other personal consumer reports

According to Fair Credit Reporting Act 15 USC 1681 section 602, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies that should ensure my right to privacy as a consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any consent to XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Equifax,   XXXX   XXXX   on numerous times and the item still not coming off or my credit report not being updated .I sent copies of letters that my name was stolen and social security thru identity theft and I m getting repeating inquires on my credit report, I called all   XXXX    c ompanies and wrote them.nothing is better done, I do n't think its fair that mhy credit score keep going down and being damaged every time I try to clear and fix it .someone trying to keep things in my name .I disputed all the inquires and they wont take it off, The  XXXX   bill fo r {$1400.00} not off  XXXX   XXXX   XXXX   XXXX   {$490.00},  XXXX  company for  a car lo an {$30000.00} that wont be taken off .Student loan that 's accurate and they still have the owe  .I be lieve the credit reporting agency is out to get people and not see you progress at all .I need my credit clear up soon as possible and I would like a rapid rescore this is hinder me and my family
Product: Vehicle loan or lease

When US Auto Sales abruptly closed their doors in XXXX of XXXX, I was still able to make my bi weekly payment of {$200.00} vis their website. I was not told that Westlake Portfolio was taking the fund and applying it to their company. I was not told that Westlake had taken over the account and I was not given a new signed and dated contract with Westlake Portfolio. By the time I found out anything, I had made 6 months of payments for a total of {$1500.00}. I reached out to Westlake Portfolio via their website and asked for a copy of the new contract. I also asked for my account balance and a refund of the GAP coverage payments. I have not received either document. I still have in my possession the original contract that is signed at dated with US Auto Sales XXXX XXXX. 
As of today, no formal documents detailing the transition, GAP reimbursement or a signed and dated contract have been sent to me.
Product: Mortgage

I took out a mortgage with Wells Fargo in XXXX when my husband and I bought our co-op unit. In XXXX, we refinanced and moved our mortgage to XXXX. There was a mishap at the time of the refinance that resulted in Wells Fargo sending me the stock certificate for my co-op unit instead of sending to XXXX, however I was able to resolve this at the time. 

Now, 4 years later, I am selling my unit and today received a title report that shows that Wells Fargo still holds a lien on my property even though the loan was paid off in XXXX. We are scheduled to close on Tuesday XXXX/XXXX/XXXX and my sale is time-sensitive, as the purchase is being made using funds from a XXXX exchange. When I called Wells Fargo today to inquire about this lien, I was told it may take up to 30 business days to issue a XXXX, which will delay and possible derail my closing. I will also incur an additional month of expenses as a result of having to close later. I feel that the bank was careless in dealing with my account closing, as demonstrated both in my receipt of the stock certificate as well as their miss on not closing the lien. This mishandling is now impacting me financially.
Product: Money transfer, virtual currency, or money service

In 2019, My Venmo account and my linked banking account were hacked into because of a security issue on Venmo 's part. I have tried to contact Venmo multiple times to get whatever remaining money I had on my account after they had banned me from their services because I was too much of a liability. But then, they acknowledged that there was a security issue on their end, but then they blame it on me and subsequently, banned me from the service. They have not budged on their stance and as a result, I can not send money to family members and my landlord for rent.
Product: Credit card or prepaid card

our company is reporting two accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Product: Credit card or prepaid card

I purchased a couch from Macy 's and the due date for payment was XX/XX/XXXX. 
I called and paid {$1500.00} and spoke to the representative and asked for an extension to pay the balance due of {$1500.00}. I did not want to have a {$990.00} interest added to my account. I called in to pay the balance and got the unusual runaround. My calls are normally routed to the XXXX and I was not helped. I called back and they found the agreement and they stated that the balance had to be paid by XX/XX/XXXX that was the agreement and that paying it on the due date did not suffice. I spoke with a XXXX, he stated the most he could take off was {$200.00}. I called again and tried to resolve it today and my call was sent to the XXXX again. There is no help. They noted that I had already paid, and they refer to the payment that I made but I have my account set up for automatic payments. 

I asked about COVID relief, I was told that Macy 's no longer has any type of COVID relief programs they ended XX/XX/XXXX. 

I want to pay the balance of {$1500.00}, not the {$990.00} in interest.
Product: Debt collection

I recently obtained a copy of my credit report from XXXX and was alarmed to discover a fraudulent collection item on my report. The collection is associated with an XXXX XXXX XXXX cell phone account, which I have never owned or had any affiliation with. 

Upon reviewing the details, it is clear that this entry is a result of identity theft or an error, as I have never been an XXXX XXXX XXXX  customer. I am writing to formally request the immediate removal of this fraudulent collection from my credit report. 

I understand the importance of maintaining accurate credit information, and I kindly request your prompt attention to this matter. Please investigate and rectify this issue as soon as possible to prevent any further damage to my credit score. 

Thank you for your assistance in resolving this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continued to report several negative account information on my credit report past the statute of limitations. I tried to resolve this before and their response was the investigation stands and the customer disagrees with the outcome. 

Experian knowingly, consistently and willfully reported outdated negative information which has caused harm to this consumer. Calling Experian was useless and uneventful and resolved nothing.
Product: Credit reporting

I file dispute with Trans-union about inaccurate information on my credit report. They corrected the inaccuracy ; however, at the same time place XXXX very damaging inaccuracies on the credit report even though these accounts have been paid off for 8 months. This companies practices are very unethical and they are very inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from equifax, XXXX, and XXXX and have noted following discrepancies : XXXX  XXXX  Date open : XX/XX/2022 {$1400.00} XXXX XXXX  XXXX  Date open : XX/XX/2022 {$970.00} XXXXXXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} XXXX
Product: Credit card

I had a credit card from the company Prosper over 3 years ago which was paid and closed with no balance. 
I have been a current victim of identity theft for the last several months and just received a letter from this company Prosper claiming I have an outstanding balance of {$910.00} and that it has been charged off and sent to collections. 
The card I did have with them had a credit limit of {$500.00} and as I previously have said, it was paid in full and closed. 
This one I am sending a complaint about is not mine it has been either reopened or another card with the same company was opened fraudulently without my consent and knowledge and used. 

XXXX XXXX XXXX
Product: Debt collection

i realized after awhile that someone has taken out XXXX loans in my name that i didnt do about a year ago. after i realized this i called navy federal credit union a few months ago multiple times to try and get these XXXX loans resolved as i did not apply for these loans. navy federal credit union has said this is an ongoing investigation and they can not disclose any information to me about my issue. all navy federal credit union has recommended was to pay off these debts as they will affect my credit score but this has been an on going investigation for months with no movement on the case and no updates either. anytime i contact navy federal they say they can not disclose information about their investigation and im stuck paying these debts that were not mine. navy federal credit union also said i may or may not be able to get the money ive been paying on for these debts i didnt make back. i have also never been contacted about this investigation and saw navy federal credit union has a class action lawsuit of not properly investigating fraudulent charges
Product: Credit reporting or other personal consumer reports

XXXX  account showing last payment XXXXclosed over 7 years old XXXX-closed 7 years old XXXX Closed 7 years too old Business went bankrupt no longer exist
Product: Checking or savings account

I filed a claim to dispute a transaction on XXXX XXXX 2022 with JPMorgan Chase & CoXXXX for the amount of {$7000.00}. The merchant for the transaction im disputing is XXXX, a stock trading platform I've used in the past. Before filing this claim i lost access to my XXXX account on XXXX. I have tried contacting them via email and their customer support number listen on the website. We believe my account has been compromised so filed a claim with chase. Today on XX/XX/XXXX i was informed my claim was denied. After speaking to the supervisor on duty she said in my initially claim i stated the transaction was fraudulent. She explained, since i did in fact authorize the transaction of {$7000.00} i filed the claim incorrectly. She said i can not mend or file another claim and that there was nothing they could do at this point. At the end of the call she recommended i take it up with small claims court. Not only is my money lost but i can't seem to get any decent information on a course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough research of my credit reports due to me being a victim of trafficking and they did and stated that everything was accurate and said that they don't believe I sent the letter in myself and then I did a thorough research myself and I found inaccuracies on my report even after they did their research.

In accordance with the Fair Credit Reporting Act 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 has violated my rights.

15U.S.C 1681 section 602 A. States I have the right to privacy.

605C of the Fair Credit Reporting Act.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions