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

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 removed : Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

My mortgage company is FlagStar an I have been trying to do a loss mitigation with them for 3 years now. The first time around in XXXX they randomly closed my case, even though I called monthly to check on it. Their reason for closing given to me was I was suppose to send in a monthly of my pay stubs and bank account. This information was never portrayed to me, in which I was never given the chance to comply. I tried again in XXXX submitting multiple applications with no reply. I then contacted HUD in XXXX and had a councilor sit in on a conversation with FlagStar in which they denied me saying I never submitted an application. I then submitted an application while still on the phone without saying so and they still denied, saying I did not. It was n't until a supervisor was called, did they omit I submitted an application. I submitted all the information that was required of me and checked in every 2 weeks to see how the application was goin. When all of a sudden once again they denied me saying that I did n't make enough money and that I would have to do a " Short Sale ''. This was around XX/XX/XXXX and I still am in possession of my house and am scraping by to make payments. 

FlagStar has denied me Loss Mitigation at least 3 times and without notice, I had to call to find out that they randomly closed and or dropped the application. In which they gave me a random excuse for their actions which had no ground. This is n't right, why am I being denied by FlagStar. They should n't be able to just deny an application for any random reason they can come up with and without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for a car loan. I get 5 hard inquires which decreases my score. I never ever would have gave permission to run so many inquires. i take my credit and score serious. I disputed it, and my claim was denied. But I did not agree to this. No one told me. I feel this is not fair. 

It is on my Equifax and XXXX account. 

What can I do?
Product: Credit card

In XXXX of XXXX, prosper XXXX  XXXX  failed to verify where payments came from. Several payments were made to my account from another source and bank account and the card was fraudulently used. I did not authorize these transactions and believe my account has been compromised. I have already taken steps to secure my information, including changing my account passwords and monitoring my accounts for any further unauthorized activity. 

Please investigate these charges and remove them from my account. I would appreciate your prompt attention to this matter. I was also not notified each payment that was made. I was on time with payments until this happened and have since tried to resolve this matter.
Product: Vehicle loan or lease

The interest rate is more than what is allowed the maximum is 16 %
Product: Debt collection

I have sent multiple validation requests including statements stating that the only accepted correspondence is email or via Mail to Jefferson Capital. Instead they have refused to validate the debt and they have begun to call a number from over 13 years ago that belongs to my XXXX XXXX XXXX grandma. They are calling her multiple times a day and leaving messages. They are not identifying themselves and I have not lived there in over 13 years. The fact that they are ignoring my requests and are now harassing a XXXX XXXX XXXX woman is disgusting. In addition, due to not being able to validate the debt and reporting incorrect information across all three bureaus is grounds from removal from my credit report. I collect protected veteran XXXX benefits and this company is infringing on my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 UPDATE all information which can not be verified. 


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Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contracted XXXX in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issue, this is a clear violation of my consumer rights. 

XXXX. My birthdate shows up on my report as XXXX XXXX  ). My birthday is actually XX/XX/year>. 

XXXX. XXXX and Equifax never removed a collection account or updated me on the status of the investigation I submitted more than 45 days ago. 
XXXX XXXX account number XXXX. 

Equifax - name update current XXXX XXXX. Change to XXXX XXXX XXXX XXXX XXXX Address update. Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Address No. XXXX removed. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never lived XXXX XXXX XXXX XXXX XXXX XXXX My address been the same for XXXX years. 
( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting fraudulent addresses, accounts and inquiries on my credit report. This is my second request to have these things removed and I will resort to a consumer attorney to get this resolved. They are due to identity theft and it needs to be resolved ASAP.
Product: Credit reporting or other personal consumer reports

I recently submitted a report aiming to clarify incorrect information sent by the credit bureau to my email. I am writing to dispute an error on my credit card statement formally. Although I requested additional investigation into the matter, it seems to have been overlooked. Please provide prompt attention to this dispute and send a confirmation receipt to keep me informed of progress.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$15000.00}
Product: Credit card

I paid this card off in XX/XX/2024 and havent used it at all recently. Out of nowhere, my credit score drops, and I receive a letter saying I owe money! They charged me a fee that I never consented to and then started adding interest on that fee they imposed. To make matters worse, they reported my account as delinquent to the credit bureaus! I havent even used the card! If they dont stop charging these fees and remove the false report submitted to the credit bureaus, I will pursue legal action.
Product: Credit reporting

I was XXXX on XX/XX/XXXX I was XXXX until XX/XX/XXXX. During this time of my XXXX somebody used my Barclay rewards MasterCard I had {$200.00} or so that was my debt on the card but Barclay is claiming that I owe {$700.00} now. I 'm XXXX. I have no source of income except for XXXX so they ca n't come after me for any money but I 'm looking to settle with them to pay the XXXX I think it was like {$220.00} and then have it squashed and make them take it off of the credit bureau so it quits ruining my credit score. but they have n't even been able to help me with filing that there 's fraudulent charges on there I can prove I was XXXX they just keep wanting this {$700.00} that I do n't legally owe and they wo n't let me log into my account so I can print out these charges that were n't mine and show them and a lawyer or discuss them to come to a settlement. Because I was XXXX, the police are n't interested in the identity theft that happened to me but I still need to get this fraudulent debt squashed. Like I said I 'll even pay the XXXX or so dollars that I do owe. Please help me resolve this matter as it is really affecting my life in a negative way. Thank you.
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, as they are the result of a data breach or fraud. Additionally, I demand verifiable proof, including my signature or electronic signature, for any alleged authorization of these accounts or inquiries. 

This letter is submitted on my behalf, not through a third party, and I request that you review it carefully. I have never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( XXXX  ). Specifically : FCRA XXXX XXXX [ XXXX U.S.C. XXXX ] mandates the blocking of information resulting from a data breach or fraud. 
FCRA Section XXXX [ XXXX U.S.C. XXXX ] outlines the permissible purposes of consumer reports, which these inquiries and accounts do not meet. 
I have contacted the reporting companies and found that these actions were initiated without proper validation or original proof. Since I never authorized them, these accounts and inquiries are inaccurate and must be removed from my credit report. Their continued presence constitutes the illegal reporting of my consumer information by creditors and/or third-party data furnishers. 

Please take immediate action to investigate and remove these fraudulent accounts and inquiries. I appreciate your prompt attention to this matter and expect a timely response in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX XXXX XXXX XXXX Account # XXXX, have violated my rights. 

1

5 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions According to my credit reports XXXX XXXX XXXX, XXXX posted on all three credit bureaus that account # XXXX had been placed for collections on XX/XX/2022. I was not notified from XXXX XXXX  until XX/XX/2022 that the account was sold. XXXX XXXX XXXX, XXXX did not notify me until XX/XX/2022, but had already opened the accounts under collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I am a veteran and it involves the FCRA in a very consumer-focused state, the Offices of Senator XXXX, Attorney General XXXX XXXX ( Governor Elect ) and Governor XXXX XXXX of Maine have all shown an interest in this situation, and most advice seems to lead to the FTC. Thank you in advance for any help provided. 

In addition to many other resulting expenses involving high interest rates on low value credit cards, difficulty getting a good job equal to my experience and education, and the inability to purchase or lease a car, XXXX just denied denied me a credit card because Equifax incorrectly reported my FICO score at XXXX instead of about XXXX as  it should be. All 3 bureaus refuse to repair their database models to fix this obvious problem. They dropped my FICO score by XXXX  in  XX/XX/XXXX by error and say they can't or won't fix it. Either way appears to me to violate the law?! I believe there must be tens of thousands if not hundreds of thousands in this same situation. 

An Equifax supervisor I spoke with admitted to me on the telephone they do and can not not adjust scores when it is proven to them and admitted by the billing entity that it made a mistake even when the original 30 / 60 / and 90 day late and collection in my case are removed at their request.

Today XXXX  reports FICO at XXXX, and XXXX  the same. 

The error was for an emergency room visit In XX/XX/XXXX the Veterans Administration should have paid. My FICO decreased due to one ER room visit that the VA owed as follows : 1. XX/XX/XXXX -7 ( collection-related ) 2. XX/XX/XXXX -XXXX  ( collection ) 3. XX/XX/XXXX -2 ( pre-collection ) 4. XX/XX/XXXX -XXXX. ( 60 days ) 5. XX/XX/XXXX -XXXX ( 30 days ) Total : -XXXX  This is a simple fix to a database program.
Product: Credit reporting or other personal consumer reports

My XXXX was closed even though I was still making payments! They agreed to work with me through out my rotator cuff XXXX in which I was off work for several months with no pay and once I started back to paying them just all of sudden they closed my account without notifying me and they reported it to the credit bureu damaging my credit severely!!! The purpose of the getting that loan was to help build my credit and it was damaged because it was unjustly closed without any reason.
Product: Debt collection

Part of the fair credit reporting act 15 USC states consumer credit reporting agencies exercise their responsibility with fairness, impartiality, and a respect for consumers right to privacy. 

The XXXX credit bureaus are consumers reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared. Which is back by 15 USC 6801. 

It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information Those reporting agencies do not have my consent or my written consent. Any and all consent, whether verbal, non verbal, written, implied or otherwise is revoked. 

15 USC 6802 states a financial institution may not disclose non public personal information to a non affiliated unless the consumer is given an explanation of how the can exercise that non disclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax referencing discrepancy in XXXX and XXXX reporting. In result XXXX 24-month payment history remained pulling down Equifax Score which is XXXX points less than all other  consumer reports. I am unable to dispute account on-line for the attached account. 

On XX/XX/018 XXXX response to previous complaint. Acct XXXX is being correctly on consumer reports. Request to delete account was rejected and/or unanswered by Equifax, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : My personal information was leaked from my company. Thus, I have identity theft on my credit which is affecting my XXXX XXXX XXXX XXXX XXXX and Chase credit cards are not mine nor have I ever done business with these merchants. My XXXX XXXX has always been over XXXX and because of identity theft this is negatively impacting me. My credit file needs to be updated accordingly. Thank you in advance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a company by the name of Credit Accepteince reporting on my credit report. They calls my phone before XXXX which is affecting my life. I have disputed the account multiple times and also pointed out multiple violations on my credit report from this company and every time I dispute the account it will come back as verified which is odd because the company keeps changing the amount owed, on one of my reports they posted the alleged last payment was XX/XX/XXXXXXXX  then on another one they posted last payments was in XXXX  and one payment in XX/XX/XXXXXXXX  which is impossible because it wasn't me because that was the month I was disputing the account and have a paper trail to prove it. I reached out to the company trying to see what the charges was and told them I don't owe them money then they say XXXX. They said it's for a car that they had but did not want the car because it was not of value to them so they are reporting the account as an open account on my credit reports for a car I dont have. They also were reporting that I allegedly owed XXXX then keep changing the amount every month they changed the amount all the way up to XXXX in XX/XX/XXXXXXXX  then the next month in XX/XX/XXXXXXXX  it went down to XXXX without any payment, now how is that possible that someone owe close to XXXX then the next month it go down with out a payment. And why are they not reporting the same information on all my reports if it was a real legal account I feel highly threatened by this company and is now working with a lawyer to go forward because the XXXX, XXXX and XXXX is not helping even after I pointed out the violations I have no knowledge of these charges on my report and dont like the harrasment.. I have screen shoots and copies of all communication and copies of all my credit reports that shows proof of each violation. I just found out this company has been sued in California and New york and I believe I'm apart of that
Product: Money transfers

i send the money from United States to XXXX but the person to whom i send lost his ID now i want to change the name of the recipiender
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company about a debt reported to my credit. They are saying that it is a perkins loan, yet my school has no record of me owing any perkins loan. I asked the company for the original loan number so that I can give my school the loan number to dispute it, and they do n't have that either. My school told me to dispute it, and if they are working with them on it, then they will update it. THey are saying that they will take weeks to remove this from my credit if my school updates them. They are telling me that I have and asking me to prove that I do n't have the debt, when they ca n't even prove that I have it. 

They asked me to send over proof that the particular loan is in deferment, but I just realized that I ca n't do that because they ca n't even furnish me with information about the specific loan to do that. I am not going to send them a list of all my loans. In addition, there is no specific loan number so how will they match what I send with what they have? It 's like they are trying to collect information to report, something is not adding up. It makes not sense for me to call for a debt that I know I do n't owe. They were asking me who I spoke to at my school, but if my school is the original creditor should n't they know that. Also, my school said that there is a holder of the perkins loan, yes it goes through the school but they do n't actually give the loan themselves. 

I want this account removed from my credit because I never received such information about this loan from my school or from this company. I do n't want to wait while they are investigating this, because it is not correct. My school does n't have me owing any loans, and they have all loans updated and reporting as deferred. This company ca n't even give me information about the original creditor. I believe this information is incorrect, this loan that they are trying to collect does not belong to me, and there is no record of it since they ca n't give a specific loan number for me to provide to my school. I believe they as with most collection agencies they probably somehow caught wind of loans that were behind about a year ago, but they were updated and they were all deferred. Please remove this from my credit immediately. 

They need to send proof that my school is reporting this to them. I asked them who the contact is of the original creditor and they will not give me that either, it sounds really weird, especially since my school does not have record of this collection. Please delete this from my report as requested. Someone should not be able to report such a debt without proof from the original creditor.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). 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 Funds Transfer Act ( EFTA ) and regulation E. 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

It's not my accounts, i never applied for it, i didn't sing any documents, i think, that somebody used my personal information and applied for this accounts.