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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
1. Validate Account DEPTEDXXXX Account Number : XXXX Please ensure that all information is accurate 2. Validate Account DEPTEDNXXXX Account Number : XXXX Please ensure that all information is accurate Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XXXX  which involved me making deposits for a total amount of XXXX XXXX from my Cash App account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

this account was opened fraudulently XXXX XXXX XXXX XXXX office of attorney general and my information was part of a data breach with XXXX which they still have yet to address this.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX  Inquired on XX/XX/year>
Product: Credit reporting or other personal consumer reports

As per under Section 623 of the Fair Credit Reporting Act ( FCRA ) I am writing to dispute and have removed immediately the following information in my file : This item XXXX XXXX  is inaccurate because of inconsistent reporting across all three credit bureaus. I am requesting that this be removed immediately for inaccurate reporting. I want a validation documentation with my wet signature on it, an actually hard copy signature from me with application, as I never ever applied for this. IF they cant provide this i want this removed immediately as they are violating my rights.
Product: Debt collection

Dear Chase, I would like to report Credit Card Account ending in XXXX in my name ( XXXX XXXX XXXX ) as fraudulently opened. 

I did not authorize this account to be opened in my name and ALL transactions on this account were done by XXXX XXXX an extended family member and were done without my permission and, therefore, were fraudulent. 

Furthermore one of my many bank accounts were used for all the payments for this credit card account, therefore, I would like all payments made on this account returned to my Bank Account given said transactions were made without my permission and the account was opened in my name without my permission as well. 

Please immediately mark all transactions on this account as fraudulent as well as remove me from being liable for this account, and return all payments to my bank account used for the chase credit card account, and mark the creation of the account as fraudulent and as it being an account opened having stole my identity. 

Thanks. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second issue with this bank, the first one was for fraud that occurred and now I made payment for a loan that I had with them which should have been paid on a monthly payment of {$43.00} but since I had the fraud that occurred in XX/XX/2021 while I was out of the country for two months and I was not able to make payments and not able to use another account to make payment which regions say that I am not able to make an online payment for the loan, I had to go to a local branch, so tell me how am I going to go to a local branch when I am in the XXXX XXXX? 
however, when I got back to the country I contacted the branch manager at the local XXXX office to let her know what happened to me but instead, I was getting the third degree from her like I was at fault and she was being rude and I even sent her an email letting her know that I paid the entire amount of the loan because I just didn't want to deal with this bank anymore. As a professional she didn't even have the decency to email me back WOW, such a professional XXXX XXXX, not to even respond to an email. 
They closed my account and they never refunded the XXXX dollars that I open the loan with, now who's a XXXX  Regions, I have proof and I have attached
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Vehicle loan or lease

Ive contacted the company many times trying to get title and no response yet
Product: Debt collection

XXXX west asked for money judgement possession of unit XX/XX/21 in the amount of ( {$7900.00} ) I moved out XX/XX/21 due to infestation of mice left a XXXX balance. They allowed a squatter to move never told me. 
The Judge was made aware in XX/XX/21 gave possession of unit but did NOT grant money judgement. XXXX agency is aware. Case number is XXXX court phone number is XXXX l. This all took place during covid. I collected and share court documents with credit bureaus and collection agency. They still wont remove the {$19000.00} collection placed on my credit profile illegally. This has stopped me from buying a home. Caused me denial of credit and higher interest rates
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$4900.00} on the XXXX  partial account number **** XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and later found in XXXX, Tennessee. ( I have also attached a copies of the police reports and incident report. ) Since the vehicle was stolen, my insurance covered any and all outstanding balances due and owing. There are no outstanding balances due and consequently nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Mortgage

I was granted forbearance during covid due to job loss. I was sent a letter stating i did not have to make a balloon payment because I had a XXXX XXXX loan and the care act options would be available to me. When the period ended I contacted the loan servicer and they made me jump through hoops and go through loss mitigation only to deny me any help. I have plenty of equity in my home and I feel like they are just trying to take my home to make a large profit. The only option I was given was to pay in full or foreclosure.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.This list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U S C 1681. 

M & T Bank account # XXXX on date XX/XX/XXXX XXXX XXXX XXXX account XXXX XXXX on date XXXX XXXX has violated my rights. 

15 U S C 1681 Section 604 A section 2 Its states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys account opened XX/XX/XXXX closed unpaid with balance of {$1300.00} and charged off as of XX/XX/XXXX. One Late payment submitted XX/XX/XXXX. And additional late payments being reported there after starting from XX/XX/XXXX to current date. 3 credit disputes through credit bureau 's and through Macy 's directly. Account over statute of limitations to make payments and I 'm pressured to make voluntary payments for account to be accurate. How am I late on an account that has been charged off? XXXX XXXX card had been paid with XXXX balance since XX/XX/XXXX and i am being reported late since XX/XX/XXXX how am I late on an account that is closed and paid?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( U S DEPT OF EDXXXX Date Opened : XXXX/XXXX/XXXX Amount : {$5000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$7500.00} ) ( U S DEPT OF EDXXXX Date Opened : XXXX/XXXX/XXXX Amount : {$5000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate and remove an inaccurately reported account, XXXX XXXX XXXX XXXX ( Account Number : XXXX ). The account shows a " date last active '' of XX/XX/XXXX, but reports payment history through XX/XX/XXXX, which is contradictory and unverified. Both XXXX and XXXX have already deleted this account due to its inaccurate and unverifiable nature. 

Experians failure reflects the issues highlighted in the CFPBs recent lawsuit against them for conducting sham investigations, failing to review disputes thoroughly, and uncritically accepting furnishers improbable responses. These actions violate the Fair Credit Reporting Act ( FCRA ) and harm consumers by allowing false information to persist on credit reports. 

I demand this account be removed from my credit report within 30 days. Failure to resolve this matter will result in legal action to protect my rights. Supporting documentation is attached.
Product: Mortgage

Equifax has failed to honor the 45 day rule for mortgage inquiries. I have been shopping around for a mortgage since XX/XX/2016 and instead of them counting each mortgage inquiry as XXXX inquiry, they have counted each inquiry separately and have reduced my credit score significantly with each one. Their online dispute for inquiries only offer XXXX options which are fraudulent inquiry or did not authorize inquiry of which neither applies. Writing them is a waste of time because no human reads the letters or documented proof and instead an automated system is used which always verifies inaccurate information as correct regardless of what proof you have or if its inaccurate. I have written many times and provided proof of unauthorized inquiry by actual creditor and they sent the same response each time claiming it is verified as accurate. I want my credit score points restored since they have counted each mortgage inquiry separately and lowered my score 3 times and it should only be XXXX inquiry. The mortgage inquiries are within the 45 day window yet Equifax is not going by the rule.
Product: Checking or savings account

On XX/XX/2020 at XXXX XXXX  I went into the Chase Bank to withdraw XXXX dollars from my checking account, the machine turned red and said attention can not distribute your cash at this time, it gave me a receipt, saying that it took the XXXX dollars and at the bottom of the receipt it stated. " We aren't able to give cash right now. Please call us at XXXX. '' XXXX. I called and was told too submit a claim with my bank I did that and still no refund or contact from chase regarding the issue. The manager that was in charge at the time would not look at my receipt or help me trying to explain the process. She did not care at all, she also told me the machine was acting up earlier that morning, wasn't working properly, but failed to put a sign on the machine and didn't put a sign on the machine after I left because my mom went in there to speak with her about the issue, and there was no sign that she's still let people use that machine and knowingly wasn't working correctly, was very rude to my mother as well. I went into another Chase Bank on XX/XX/XXXX spoke too a manager showed him the receipt he told me he would file a complaint against that supervisor and try too get to the bottom of everything but I have yet too be contacted I just want my money refunded back it is a lot that was taken and I have bills and am XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX **Consumer Financial Protection Bureau ( CFPB ) ** XXXX XXXX XXXX XXXX  XXXX D.C. XXXX **Re : Dispute of Repeated Charge-Off Reporting and Inaccurate Credit Information for XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to formally dispute an issue with my credit report and to file a complaint regarding the repeated inaccuracies associated with the XXXX by XXXX XXXX account ( Account XXXX XXXX ), which is being reported by TransUnion, XXXX, and XXXX. 

This account has been inaccurately reported by XXXX as being charged off every month. This is not only incorrect but also illegal, as it results in the re-aging of the account, which violates my rights under the Fair Credit Reporting Act ( FCRA ). The repeated charge-off status is not being reported consistently across all consumer reporting agencies, as XXXX does not show this account as a charge-off each month, and its payment history reporting is also inconsistent with XXXX. 

This is the **fourth** time I am disputing this account due to the multiple inaccuracies present, and it is my firm belief that this is in violation of my rights under the FCRA, which mandates that all consumer reporting agencies must report the same accurate information to ensure maximum accuracy. 

I am demanding that XXXX immediately investigate** and **delete** this account from my credit report, as it is causing significant harm to my credit score and does not reflect the accurate status of the account. 

I request that you take the following actions : 1. Investigate the reported inaccuracies, particularly the erroneous charge-off status on XXXX, and ensure that all information is corrected across all credit reporting agencies. 
2. Remove the account from my credit report as it continues to be inaccurately reported and is unlawfully re-aged, violating the FCRA. 

I expect a thorough and prompt resolution of this matter. Please confirm the completion of the investigation and the steps taken to correct the error. 

Thank you for your immediate attention to this dispute. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My issue is with my Wal-Mart card thur synchrony bank. The last time I used the card was in XX/XX/XXXX at a gas station however someone fraudulantly made two charges around XX/XX/XXXX both for XXXX $ and also fraudulantly made a payment over {$800.00} it took me until XX/XX/XXXX to get this resolved some how the fraudsters were able to change my address order a new card and increase the credit line. I first notice this issue on credit karma and when dealing with synchrony was even advised that was I sure I hadn't made a XXXX $ payment because fraudsters don't usually do that. You can see from my payment history I have never shopped at the store in question or made that type of payment. Now it is XX/XX/XXXX And this is happening all over again. There are two new fraudulent charges both for XXXX $ synchrony says they have no record of me sending in the documentation to resolve the first fraud case and will no discuss the matter until I mail personal documention which I am apprehensive about sending due to their issues with my privacy.
Product: Student loan

I requested a refund of all payments made as of XX/XX/2020 on XX/XX/XXXX. I was told it would take 30 days to process. It is now XX/XX/XXXX and I have received no confirmation of my original request, no update, and I am unable to get through to connect to someone at Mohela to inquire.
Product: Debt collection

I received a notice for a bill for services that my insurance paid and the hospital accepted payment. I also advised XXXX XXXX to bill the department of veteran affairs due to my veteran status for they would pay the bill as todays date XXXX XXXX has never sent the bill into the va in order for the Department of Veteran affairs to pay the bill for the time being i was paying on it and hoped they would reimburse me for the money I paid on the account as of todays date I have never been reimbursed nor has XXXX XXXX billing department sent the bill to the a department of veteran affairs for patient billing services at the XXXX XXXX billing office of the department of veteran affairs I now have a collection agency contacting me by the name of Revenue Group when I do not owe this bill due to error in the billing department of the XXXX XXXX they have never made any effort to assist in sending the bill in the va gave a number during Covid and said we should give our name number and they would pay this bill has never been submitted for payment this was during Covid restrictions and it made it extremely hard to get anything done and paid for in a timely manner
Product: Money transfer, virtual currency, or money service

My account of paypal restricted between XXXX XXXX, then recovered. 
After that at XXXX I sold a item sent it through dpd you can find it there https : XXXX And I also got another sale to united states XXXX XXXX. 

Now they forever stricted me first at XXXX ok XXXX recovered. 
XXXX restrict again, XXXX ok recovered, normal as their message said. 

Now XXXX restrict again, it really hurt my business, they said there are activity they can not support but after XXXX XXXX I did nothing. Between XXXX made a sale but need time to send it, between XXXX I did nothing why unfroze and froze again? 

I contacted grailed which I made sale on, which they said clearly they need my account normal to have the button to release money on paypal. If they restrict me forever due to I didn't do anything they would hold my money forever, now they paypal even ask me to refund, how can I refund the items I already sent??? 

Need my account get normal.
Product: Credit reporting or other personal consumer reports

Carvana has denied my right to credit and has also violated title 15 of the CFR by demanding a down payment which is illegal. I will not donate and as a consumer I feel offended and humiliated to have my rights violated according to the FCRA. I demand reconsideration of this adverse action. 
Dear Carvana, I am writing to express my concern regarding the recent decision to deny credit approval for a consumer transaction. My investigation has revealed that demanding a down payment as a condition for credit approval may constitute a violation of federal regulations, specifically 31 USC 5118, as well as provisions within the Uniform Commercial Code ( UCC ), and the Fair Credit Reporting Act ( FCRA ). 
Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive a clear and accurate explanation when credit is denied, including information about the factors leading to the denial. Demanding a down payment without proper justification may be deemed as a violation of the FCRA, which protects consumers from unfair or discriminatory practices.

I demand that Carvana revisits its decision regarding the credit transaction in question and provide a detailed explanation for the denial of credit approval without the requirement of a down payment, in compliance with the FCRA. Failure to comply with this request may result in further legal action. I expect prompt action on this matter and appreciate your attention to this issue.
Product: Student loan

over the life of the private loan for my classes at   XXXX   XXXX  , there have been many instances when due to job loss. I was always steered toward non-income driven options. so since  XXXX , my {$5000.00} loan is now at {$5100.00}, even though I have made years of payments. they even raised the interest rate from 11 % to 12 % ... I am not even sure when they did that. today, ( XX/XX/XXXX ) I logined into my accound and noticed the higher interest rate. now its only 1 % but do n't they need to notify me of this?