23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no knowledge of said debt and I would like it removed as it 's reporting to the XXXX ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my credit profile as it 's reporting negative to all XXXX major Credit Bureaus and negatively affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been re-aged and clearly there is no proper investigation as to what really happened here. The date is way back XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Requesting monetary relief multiple attempts to correct reporting, inaccurate reporting on a fraudulent account remove from credit report XXXX see below : 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
Product: Consumer Loan

I leased a vehicle through XXXX and Santander Consumer USA is the lessee As an XXXX driver I the agreement is to make weekly payments with the proceeds from XXXX trips that will be paid directly by XXXX technologies. 
The method of payment agreed upon by Santander Consumer USA is to have the payments for the car deducted from my uber account every week. 
I missed a few payments and the car was repossed leaving no way to work or pay the money owed!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there are some inaccurate/fraudulent items on my credit report in XXXX of 2021. I disputed these items with the three major credit bureaus : Equifax, XX/XX/XXXX and XX/XX/XXXX. I have yet to receive a response. My consumer rights are being violated pursuant to the Fair Credit Reporting Act. I am requesting that these items be removed immediately. 



1. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 2. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 3. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXXXX/XX/XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 4. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XX/XX/XXXXAccount Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 5. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 6. Validate Inaccurate/Reported Late Payments XX/XX/XXXXAccount Number :XX/XX/XXXXPlease remove inaccurate reported late payments. Update to payed as agreed 7. FDCPA Section 807 Violation Misleading False Reporting XX/XX/XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 8. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 9. FDCPA Section 807 Violation Misleading False ReportingXX/XX/XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once
Product: Checking or savings account

I sent a International Wire Transfer using XXXX from my savings account The transfer was sent on XX/XX/year>. The amount was XXXX dollars. But it was rejected the recipient bank and sent back to the sender bank. It should have been deposited back to my account in a few days, but its been more than a month and its still not there. I contacted customer service multiple times and they have not been of much help. They said that they would initiate a trace, but got no response from them.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. According to 15 USC 1681s-2 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. 

Account name : XXXX XXXX XXXX Account number:XXXX Account amount : {$860.00} Account opened : XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts that are listed with XXXX and XXXX as 'Bad Debt & Placed for Collection & Skip / Settlement /Late Closed/Paid Charge off ' When when the account was paid / legally paid. The balances are reporting correctly with XXXX but not with the other two Credit Files. The Service Lender : NAVIENT / Department of Education has been a problem to work with to get this resolved. I have since been working with my credit reporting agencies to try and get these accounts resolved. I have faxed over the supplemental information to my credit reporting agencies today but they have been unhelpful.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, a delinquent debt was reported to all three major credit bureaus through a debt collection company originating from a disputed fraudulent bill tied to a landlord tenant dispute ( I was the tenant ). This action caused a significant drop to my credit score across all three major credit bureaus, ranging from XXXX points. Through almost 18 months of disputes with the original creditor, as well as multiple lawsuits against them, this debt was settled in my favor. One of the stipulations of this settlement was that the original creditor would have this delinquent debt completely removed from my credit history. After another 4 months, about a dozen direct disputes with each of the major credit bureaus, and the threat of additional lawsuits, the debt was finally removed from my credit history in early XXXX of XXXX. To my astonishment, the removal of this debt, the only negative item on my credit report, had zero impact on my overall score, meaning the XXXX points that I lost were not returned. I sent requests to all three major credit bureaus to have my score reviewed and recalculated and have not received a reply, nor seen any improvement to my credit score. Additionally, I can not find any other method to directly dispute my score alone, only reported debts. I acknowledge that the algorithm used to calculate my score is more complicated than I will ever fully understand, however it seems a reasonable assumption that if you are going to drop my score immediately and punish me for a fraudulent debt that was not my responsibility, when that debt is completely removed, my score would recover immediately as well. I do not know what else to do to get a resolution to this matter and appreciate any assistance you can provide.
Product: Checking or savings account

Monday XX/XX/2024 Monday morning I was called by was was assumed to be a scammer attempting to change the phone number associated on my account, I hung up and immediately called Chime Bank, they assured me that no information regarding my account had been alterd, however, 16 hours later, my account has somehow been accessed money has been drained of it's available balance in the amount of {$1900.00}. Chime has been not helpful in resolving the issue and has told me to just simply wait and see what happens. They refused to investigate and stated that I must know the individual the money was sent to.
Product: Credit reporting or other personal consumer reports

See attached. I did not make any of these inquiries
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any  reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX Inquiry Date : XX/XX/2020
Product: Credit card or prepaid card

I spoke with representative XXXX at Wells Fargo on XX/XX/19. Explained I was out of town and when I got back noticed that the banker who I spoke with closed my personal account with out my okay where my auto debits to pay my credit cards were coming out of including this one. She stated she would take the payment and dispute the incorrect error on wells Fargo part because they had been hanging on to my mail as well. I paid the XXXX with no problem as I knew it was owed and paid late fees but they agreed to fix the pass due on my credit
Product: Credit card or prepaid card

So I called citi bank in regards to application for the aadvantage platinum card to c if I can get the sign up bonus and they checked my account and they I am able to get it I applied for the card met the spending requirement and then they said no your not and we are sorry the agent informed you otherwise No 1 was willing to help me at all
Product: Credit card or prepaid card

Hello. My card ends in XXXX. The account was closed bc of a fraud alert by my three major reporting agencies. This was a secured credit card which was funded directly as an ACH transfer of funds ( XXXX  ) Ive never used the card and it has a XXXX   balance. I was never notified that the account was close and it was embarrassing to experience a decline. I called and spoke with a senior manager of escalations within the fraud department named XXXX. employee id XXXX the call took place on XX/XX/18 around XXXX EST. She wasnt able to let me know when the refund would occur or what process it was going to occur. Im extremely dis satisfied with the outcome of this company and promise to never continue doing business with your brand again! You could have just asked for verification of my identity if there was an issue.
Product: Credit reporting or other personal consumer reports

Over the past XXXX  years I have been trying to get my Equifax report but every time i log in to my Equifax I get a code : " XXXX '' and ill call and every time they say they will fix this problem but it has been XXXX  years and it still hasn't been fixed. I can see my other credit profiles and reports from the other credit reporting companies but only Equifax is preventing me from seeing mine which is making getting some credit products difficult. I would just like to have this problem finally solved. I have already submitted the documents they have asked me to submit many times to know avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and someone my information has been used to try and open accounts. The inquiries are not mine or initiated by me : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number # XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies and misinformation as a consumer. The lack of due diligence the credit bureaus has made truly reflects incorrectly, not only has this been a defamation of character and livelihood but a major violation of consumer rights. 
I have sent all three credit bureaus a letter and they have not corresponded. 

15 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. I would like for all inaccurate information to be removed as this is in violation once remove Please provide with a updated credit report once information has been corrected. 


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 XXXX XXXX XXXX XXXX XXXX Addresses, email addresses, and telephone numbers to remove : 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
Product: Credit reporting or other personal consumer reports

I am still having difficulties for Carvana LLC to comply with my request to remove all ACCOUNT REVIEW INQUIRIES They are not doing the right thing No one is listening to me. 

I am being taken advantage of badly by this fake company.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that IT has made. It is the result of identity theft
Product: Credit reporting or other personal consumer reports

I think FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts have inaccurate reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

In case of my previous complaint no. XXXX, 1. Action Taken - a. XXXX  XXXX XXXX, Case Manager XXXX ( XXXX ) confirmed that I've never opened checking account or credit card with XXXX  XXXX XXXX XXXX my lifetime. 
b. XXXX states that there's no track history to match up with my SSN & all listed home address/zip codes. But there are hundreds of naming lists under my name XXXX XXXX in their banking system. I've asked them to verify all XXXX XXXX in their banking system one-by-one in order to identify the user with the credit card debt XXXX ( as of XXXX ). 

2. Answers from XXXX  XXXX XXXX : a. XXXX rejected my request since they don't know the exact account number to be associated with the credit card & its debt. 
b. on XXXX today, I've received the attached mail that credit agencies may have combined my file with a file of someone with a similar name. ( XXXX XXXX ) 3. CurrenXXXX Challenges - a. I've tried to contract 4 listed Credit boroughs to identify the associated bank account number or Credit Card Number. But, I've failed since those companies are available via XXXX where this case is not handled, and in-person XXXX  staff wasn't available on the call. 
b. I'm currently in trouble to get a Morgage to purchase my first home due to the bad credit score ( XXXX currently, each month decreasing due to this incorrect naming conversion mismatched from a different person ). Very desperate & extreme-stressful situation. 
c. In my lifetime, I've never made late payment so far. This unresolved situation makes me miserable & depressed since 2022 that I've identified the issue first time. 

4. Requests : in my perspective, XXXX  XXXX XXXX or CFBP ( as the adjustor ) needs to inform this mishap to 4 credit boroughs on behalf and should correct the mis-aligned name to the right person. The most important action though is to get rid of all the related bad credit score histories impacted by the mis-match on my naming conversion.
Product: Money transfer, virtual currency, or money service

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