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

I am writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to remove an inaccurate address and a collection account from my credit report. Despite multiple efforts and clear evidence supporting my claims, these inaccuracies persist, causing severe harm to my financial reputation and personal security. 

I discovered an incorrect address listed on my credit report. This address is not associated with me and does not reflect my current or past residences. Its inclusion on my credit report is erroneous and misleading. 

In addition to the inaccurate address, I also identified a collection account on my credit report. I have never had any dealings with the creditor in question, and the presence of this collection account is negatively impacting my creditworthiness and financial opportunities. 

Upon discovering these inaccuracies, I initiated disputes with your organization by following the standard dispute resolution process provided on your website. I submitted all required documentation, along with a request for the removal of the inaccurate address and the collection account. However, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made several follow-up attempts to dispute and correct these inaccuracies. I provided additional evidence, communicated with your customer support, and sought assistance from your representatives, hoping to rectify this situation. 

Despite my continuous efforts to correct these inaccuracies and provide irrefutable evidence supporting my claims, I have not received a satisfactory resolution from your organization. The presence of the inaccurate address and the collection account continues to adversely affect my credit score, hindering my access to financial opportunities. 

I demand immediate action to rectify these inaccuracies on my credit report, specifically by removing the inaccurate address and the collection account. It is vital that my credit history accurately reflects my financial record, and any inaccuracies should be rectified without further delay. I also request written confirmation once these corrections have been made. 

Failure to address this matter promptly not only jeopardizes my financial well-being but also undermines my trust in your organization 's commitment to accurate credit reporting. I am asking for your immediate assistance to remove the following fraud items in my credit fileXXXXXXXX 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

Transunion has XXXX  job and personal address wrong on my profile
Product: Credit reporting or other personal consumer reports

A new car was purchased and in that agreement there was a vehicle traded in. The loan held by XXXX XXXX for the vehicle traded in was paid off in full and a refund issued for the overpayment. The dealership later decided that they made a mistake in the deal with the new transaction. When I refused to accept different terms ( high interest rate and cost ) they retroactively reinstated the original loan on the vehicle that was traded in. That vehicle was already in their possession and remained in their possession at all times. I asked for paper work proving that I agreed to start a new loan ( since the previous one was paid off ) on the vehicle I had traded in and they ignored all request. XXXX XXXX showed the loan as paid and I was unable to make payments if I wanted to. When I asked XXXX about it, they said it was an issue with the dealership and I had to take it up with them. The dealership, XXXX XXXX XXXX out of XXXX, Idaho, refused to provide any documentation for what they did. They held the car the entire time as well. They eventually reported it as a charge off which caused me to lose almost XXXX point on my credit score as well and reduction in credit lines with credit cards I already have. They still are refusing to provide any paperwork showing they were authorized to do this.

The vehicle transaction occurred in the company name but I was a personal guarantor
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting last XX/XX/2023, that you reinvestigate the disputed Accounts from my credit report as well as update/correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The account are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXXXXXX XXXX Balance : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inaccurate information on my credit reports. I have sent out letters to all 3 credit agencies pointing out the inaccuracies, theyve vaguely sent back an automated template stating items verified without any explanations on how they verified those items or how their investigation was conducted. Even my personal identification items are still incorrect despite sending in my drivers license which has my correct information. Several accounts are not mine which i sent letters and thry never fixed thd issues.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX has violated my rights. Or a list of inquiries : 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 a consumer reporting agency can not furnish a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 the following below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX Account # XXXX Was removed from my Equifax report and added back on XX/XX/23. ( Violation ) 15 U.S.C. 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a 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 information, other than records of convictions of crime which antedates the report by more than seven years. 

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

1681e. Compliance procedures ( b ) Whenever a consumer reporting agency prepares a Consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The following are. not my previous address/ XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX. / XXXX XXXX XXXX XXXX XXXX MI. XXXX/ XXXX XXXX XXXX XXXX. XXXX/ XXXX XXXX XXXX XXXX MI. XXXX and XXXX XXXX XXXX XXXX, MI. XXXX. I disputed before and they're still on my report. 

1681c-2 Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged identity theft. ( b ) Notification ( 3 ) that a block has been requested under section by me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( Experian, XXXX, XXXX ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


Experian : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX : XXXX XXXX Account Number XXXX
Product: Credit card or prepaid card

I was notified on XXXX/XXXX/19 by my free credit monitoring service that my Discover Card account had been closed by Discover on XXXX/XXXX/19. Discover never contacted me to tell me my account had been closed. I called and spoke to customer service and was informed that the account was closed due to " business reasons '' and that they had no further information they could give me. They informed me I could not re-open the account and there was no one else I could speak to who could assist me further. They only offered to send me an address to which I could send a letter, but the email I was expecting with that mailing address never arrived. At a minimum I would like a thorough explanation of why my account was closed, and I would appreciate having the account re-opened.
Product: Credit card or prepaid card

I am Attaching several documents for proof I was scammed by a fake/ fraud/ illegal online company that stole {$390.00} out of my Edd account. Your dispute resolution team In XXXX arizona failed to look at the documents in full. 
I am demanding my dispute be reopened and resolved in my favor. Im even attaching document proof that XXXX is NOT a real company. I contacted the address of the office building where this company is located and the building manager said there is no such company named XXXX here. You owe me my {$390.00} back for dispute number XXXX
Product: Vehicle loan or lease

I had applied for an auto loan online on XX/XX/21. Upon furnishing all requested information, including photo identification, proof of residency and proof of income, I was advised I would be contacted " shortly '' by XXXX to discuss the financing. Upon not hearing from " XXXX '', I messaged XXXX ( Sales Rep. ) and received a voicemail message indicating my application was denied. That same day, I messaged XXXX to confirm I would receive an adverse action notice and was assured I would receive one. 

On XX/XX/21 I contacted XXXX XXXX, the person who sent me the the link to electronically sign the credit application ( XX/XX/21 ). I received a response from XXXX on XX/XX/21 indicating the notice had been printed and mailed. In addition, the message from XXXX asked me to confirm my address as the notice would be reprinted and mailed. It was the same as in the credit application. I had replied I would accept an electronic copy of the adverse action notice in lieu of the paper copy. I received no response to this message, nor did I receive the adverse action notice. 

On XX/XX/21 I sent another email message to XXXX indicating I still had not received the adverse action notice. There was no reply to this message. 

On XX/XX/21 I sent another email message to XXXX indicating I still had not received the adverse action notice and would be submitted a formal complaint.
Product: Checking or savings account

XXXX XXXX around XXXX recieved a phone call ( ID caller- Chase Fraud ) XXXX. Introduced himself as XXXX XXXX from chase bank fraud dept. Ask my name, complied as XXXX. He asked if i did any transaction in a apple store in XXXX XXXX, I answered would not give any my information over the phone. He repeated his name and ID # XXXX. Ichecked the number of Chase Fraud XXXX XXXX and saw in Chase website the same number.He assured me everything is recorded and will give me a confirmation # about our conversation. ( Confirmation # XXXX ). He continued the online transaction was denied because can not answer security questions. He stated he will close current debit card and expedite it for replacement. He asked me what devices do I use for online banking, complied my phone app and computer at work. He asked if I got access on PC, because he see some activity attemping wire transfer. XXXX an appt. at XXXX. He returned my call after XXXX and asked me to open my profile. He started explaining there was $ XXXX was being wire transfer from XXXX XXXX XXXX Texas under the name of XXXX XXXX, DO NOT KNOW anybody under that name. He excused himself, to check his back office. after a few minutes he stated they got it recovered, and if XXXX in my profile $ XXXX credited. We ended up our conversation. That he will introduce me with XXXX XXXX fraud investigator team, and made an appt. XXXX @ XXXX. 
XXXX XXXX called after XXXX and introduce me to XXXX XXXX XXXX and turn me over with XXXX XXXX XXXX He introduced himself he is Digital Forensic Investigator of Chase fraud team. 
XXXX started that some hackers got into business acct. since XXXX and continuing. 
$ XXXX XXXX XXXX XXXX $ $ XXXX Crooms, $ XXXX XXXX. I was panicking, what happen ( breaking down ) He assured me he will worked on recovering the money, promised everything is recorder and accounted for. He also excused himself to check with back office for recovery, several times. He started can you see some funds being credited in the acct. but wrong amount, some $ XXXX, $ XXXX, and so on. I told him iam not comfortable to whats happening right now. He kept repeating everything will be Ok that their team are on top of it and assuring for all funds will be recovered. He stated he will freeze account for 24-48 hrs. which is coming weekend, for no transaction will be made. 
Made an appt. XXXX XXXX at XXXX, XXXX called after XXXX and stated some funds where recovered but there are still some wire transfer being made, $ XXXX XXXX, # XXXX XXXX. This time I am furious to What the F .... happened to my acct He made a comment they caught the 1st guy who attempted the wire transfer, and assured me again for the recovery of funds. I excuse myself that i am exhausted and i can not deal to what is happening. He made an appt, the following day at XXXX XXXX XXXX. I went to the Chase Branch to report to what happened, The banker stated I got Hacked and processed 6claims, which are still under review. Please help me recover HARD EARNED MONEY, Thank You much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account numbers 1 to 26 has violated my rights. 

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 XXXX 15 USC 1681 section 602 A, states that I have rights to privacy.

15 USC 1691 Section 604 A, state that a consumer reporting agency can not furnish a account with my written instructions
Product: Debt collection

LVNV Funding LLC is unlawfully making attempts to collect a debt and currently reporting a collections debt of {$770.00} to credit bureaus. This is being reflected on my credit report. They are not licensed to operate in Delaware, my state of residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account is paid in full with {$0.00} balance however NCA and XXXX continue to report the account as open and active. XXXX XXXX XXXX have removed this account from my credit report. There has been no communication or evidence provided that the account dispute has been actually verified. 
I have repeatedly asked this account status be updated and removed since XX/XX/2021. XXXX always comes bdvk within 7 days as verified with no documentation as requested.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep.
Product: Mortgage

Cardinal Financial has been trying to collect a debt not owed. My current mortgage was aquired by XXXX XXXX. on XX/XX/2023. This was confirmed by XXXX XXXX  on XXXX. 

I wrote an email to Cardinal Financial letting them know that I dont have an active account with them and to stop the collection calls ( which they never stopped ) XX/XX/2023 I received mail dated XX/XX/2023 that I owe mortgage payments for XXXX and XX/XX/2023, which again, I do not have an active account with them Also, I received mail stating they will share my personal information. ( which I do NOT give consent )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed you and your account. 
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I RECENTLY OPENED UP A NEW ACCOUNT WITH CITIZENS BANK XX/XX/2024. AND I JUST FOUND OUT SUNDAY XX/XX/XXXX that they closed my account. I HAVE money coming into this account that I need for the week to pay my bills and they are holding the funds in the account.
Product: Checking or savings account

I have been calling since Friday XX/XX/XXXX trying to release funds from a check that was cashed. starting Monday XX/XX/XXXX we were given a lot of instructions to get it cleared and hold taken off, by chase bank. Chase can not get in contact with XXXX XXXX XXXX XXXX XXXX, the bank from where the funds are coming from, to verify payment. The payment is in the amount of XXXX . We tried discussing this with XXXX XXXX bank and they refused to help confirm funds. This is an urgent matter as I need the funds to close on home.
Product: Credit card

I had a secured credit card with Navy Federal Credit Union ( NFCU ). I asked to close the account and use my security deposit to pay the account. NFCU did not use my security deposit to pay off the account. The account became delinquent without my knowledge. When I found out about this NFCU made me pay more money and did not remove the delinquent account from my credit file as they promised to do prior to me paying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy ot my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

Name of the account XXXX XXXX Reported on TransUnion and XXXX Account Number XXXX XXXX The Account was started under A business tax id and they logged it under my Social Security without my consent. And also the report is wrong. 

I need this deleted from TransUnion And XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

My Bank of America checking and savings accounts are connected so that I can avoid overdraft charges. However, the bank has transferred funds from my savings account and charged me a {$12.00} transfer fee when I was not in danger of overdrawing my account. For example I had {$34.00} in my checking account, on the XXXX of each month, I have {$25.00} transferred to my savings account. After that transfer, I would have had positive balance of {$9.00} left in the checking account, but Bank of America transferred {$21.00} and then charged me {$12.00} for the transfer. It seems Bank of America is determined to find some way to access fees from my accounts. This is the second time Bank of America has done this.