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

Subject : Request for Removal of Inaccurate Account Information I am writing to formally dispute the information related to [ Account Name/Number ] on my credit report. After reviewing my credit file, I noticed that this account has been inaccurately reported and I am requesting its immediate removal.

Here are the key reasons for my dispute : Inaccurate Account Information : The information listed about this account is incorrect. I have never opened or authorized this account, nor have I ever received services or products from the creditor. It appears this account has been added to my report in error.

Lack of Validation : I have not received proper validation of this debt despite my attempts to resolve this issue. The creditor has failed to provide sufficient documentation to verify the accuracy of the debt, as required under the Fair Credit Reporting Act ( FCRA ).

No Prior Notice : I did not receive prior notice of this account being opened, and no attempts were made to contact me before it was reported to the credit bureaus. As a result, I have been denied my legal right to dispute or resolve the matter directly with the creditor.

I kindly request that this inaccurate account be investigated and removed from my credit report promptly. Please confirm in writing that you have received this dispute and inform me of any action taken to correct the error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this week, Equifax admitted to reporting erroneous credit scores. Equifax also has a class action lawsuit. On XX/XX/22, I have called Equifax NUMEROUS of times. On a phone call with one rep, I constantly requested to be transferred to a supervisor or manager. That rep left me on hold for almost 30 minutes. Equifax recently CONFESSED to reporting incorrect credit scores at the beginning of the year and also have a class action lawsuit against them. I called Equifax demanding they removed the inquires, XXXX XXXX XXXX and XXXX XXXX off my credit report. I have explained before where Equifax and XXXX XXXX  are violating my federal privacy right violating 15usc 1881a ( 3 ) and ( 4 ). I have never given XXXX XXXXXXXX XXXX permission to share my information or reported. ALSO Equifax is reporting erroneous information on my credit report. XXXX XXXX is reporting an account that is constantly being re-aged. That is definitely illegal.. 

I need this rectified IMMEDIATELY! REMOVE XXXX, XXXX XXXX AND ALL INQUIRIES file : XXXX : XXXX/Equifax XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take 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 Fund 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 or other personal consumer reports

I submitted a request to have myself removed as an authorized user. I possess correspondence from the credit agency confirming the cancellation of this account and my removal from the account holder 's list. Although the credit bureau indicated that they were conducting an investigation, they also stated that the account would remain on my personal report profile. The bureau falsely claimed to have completed an investigation while the account remains. It is evident that they could not have initiated a legitimate investigation. Furthermore, they inaccurately reported other accounts on my credit report, asserting that these accounts were verified. This information is misleading, and Experian has not conducted a proper investigation. I requested verification of the investigation, which they have yet to provide. 

*It was reported that XXXX XXXX underwent an investigation and will remain unchanged, I presented the correspondence from XXXX *It was reported that XXXX  XXXX XXXX was investigated and will remain unchanged and shows petition for XXXX XXXX, I am not under bankruptcy. 
*It was reported that XXXX XXXX XXXX XXXX was investigated and will remain unchanged. It shows it's open, no reported balance etc... This is not my account and it was not properly investigated * It was reported that XXXX XXXX XXXX was investigated and under XXXX  XXXX bankruptcy, I do not have a bankruptcy *It was reported that XXXX  XXXX XXXX has been charged off and closed as this is incorrect and should not be reported and if it were charged off the company should provide me with a form 1099. This fraudulent account or the others mentioned does not appear on any other credit bureaus. 


I have requested verification of this information from all accounts with the credit bureau, as they are responsible for reporting and verifying the accuracy of the information. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), consumers have the right to dispute inaccurate information on their credit reports by notifying the credit reporting agency in writing, which safeguards the accuracy, fairness, and privacy of personal information. 

The credit bureau has knowingly disseminated false information and appears to be deliberately avoiding the correction of inaccuracies, potentially indicating fraudulent behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was preparing to make final payment towards the balance I had on my Fortiva Account that had a remaining balance of {$290.00} that was due XX/XX/XXXX. I have attached payment text reminder from bank. I called the end of XXXX to schedule for funds to be withdrawn on due date. Noticed I received a text reminder XX/XX/XXXX for payment that should have already been processed so I called bank to verify payment. Per rep, check was on file and could not be processed as " funds were not available. Confirmed with rep funds were always there and that should have been processed. Attached bank statement for proof. Rep said she could not process payment again as acct was frozen and on hold due to payment rejection. Spoke to management and was reassured no reports would be sent to credit bureau as it was protocol to put acct on hold. They could not take payment until hold was removed and was advised to call back for payment. I voiced frustration as I had to keep communicating with them for this final payment. Told them I just wanted to be done with payments and not have to worry about outstanding balances. Called again XX/XX/XXXX for final payment and successfully payed with XXXX  over the phone for the amount of {$360.00} which included late fees. Attached bank statement with payment. Check cleared XX/XX/XXXX and thought all headaches were over. Unfortunetly, on XX/XX/XXXX I noticed that my credit score dropped by over XXXX points because Fortiva Bank closed my account without my permission and also reported late payment. I reached out to them to request for my acct .to be reviewed/disputed and advised them I never requested for account to be closed but instead to pay it off completely to be done with the unfortunate back and forth. I provided the info to a supervisor however rep was trying to justify the companys actions. He did not reflect my experience and my attentiveness and was quite rude with what I was trying to express. I was told I would be notified and called with details after review. When I wasnt contacted, I took it upon myself to dispute with all credit bureas and XXXX XXXX. I noticed it was reviewed and they were able to fix the errors and update my new credit score. Then in XXXX, they reported again that I closed acct that rep stated in XXXX would fix and reopen and also reported this late payment again. I have attached the details. My credit went down again over XXXX points and now I find myself in the same position. I don't know what else to do to fix this error and I hope someone can resolve this matter.
Product: Debt collection

The amount of {$8500.00} is being reported by XXXX XXXX XXXX as in " Collection ''. This account has truly stumped me because it was originally owned by XXXX XXXX XXXX XXXX XXXX, which I believe from the bit of research that I 've done, was owned by the XXXX XXXX XXXX XXXX.
The confusing thing about this debt is that it was recently opened a year ago but was never reported in collections before that by the original creditor or any other party. There was no letter to verify that I own the debt. It also states that I am a co-signer for the account ; I believe this to be untrue.
I have contacted XXXX XXXX XXXX to verify the debt and have also disputed it several times. I have also disputed it with XXXX and they have also refused to verify the debt, simply stating in the " remarks '' section as, " Dispute resolved : reported by grantor ''.
I believe this all to be a breach of the FCRA ( Fair Credit Reporting Act ). I am now willing to take I would like to get this situation resolved as quickly as possible. Please let me know if you need any more information.
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one was notified by me about 2 cards I have with them. I paid the cards off. Now they are maxed out. Each card has two account numbers, wrong information, wrong telephone number, billing info incorrect, and lot of charges that do not belong to me. I do not want negative remarks on my credit report.
Product: Credit card or prepaid card

Dear CFPB, On XX/XX/2020 I made balance transfer ( {$11000.00} ) from XXXX XXXX to American Express. After two weeks I find out that American express made mistake and transferred money to someone else 's account. I called American express immediately and opened case. They told me up to 10 days money will be back to my account. In addition, they will stop APR and don't charge me with late fees. However, it's been almost two month Amex didn't refund money yet. I called numerous times to Amex and they tell me " not to worry '' they will take care of it because it was their mistake. I called again two days ago and complain that I start getting APR charges ( even I was told they will stop it ) and late fees. They transferred to me different departments and after hour and half on the phone they still didn't had any answers. They told me they will call me back after couple hours but its been two days since and no one called me back. I've been in this situation almost month and a half. I paid Amex for this balance transfer almost {$400.00}. Amex made mistake which they had to fix in a reasonable time but they didn't. If I didn't call no one even would care. I'm extremely disappointed and ignored. Im getting charged APR, late fees and my credit score is getting lower. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes, sent written letters about identity theft, no resolutions reached j was never contacted back by the credit companies and they never fixed the incorrect items that are listed on my credit report such address business debts that are not mine. 
My credit has been affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a old child support case on my credit report from over 10 years ago and it keeps on updating wrong information about this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inaccurate 30 day late from an old Mortgage account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX CA ) currently being reported on my credit. The account is paid/closed from XXXX with BSI Financial . This error has been reported by only XXXX as recent as XX/XX/XXXX. 
I've contacted both the creditor ( BSI Financial ) and the credit bureau ( XXXX ) about this discrepancy. Both have been non responsive to my request to correct the error on my credit. 

BSI requested a copy of my credit report which I sent them on XX/XX/XXXX. 
I've also disputed this error with XXXX because of all 3 bureaus they're the only bureau reporting this error as recent as XXXX. 
As I stated before this account has been paid and closed since XXXX.
Product: Credit card or prepaid card

A fraudulent charge was made to my credit card in the amount of XXXX XX/XX/XXXX which was reported and I was told that the charge did not go through and that a new card will be mailed to me. I did receive my new card and everything was fine until my XX/XX/XXXX statement with a XXXX charge. I did call the XXXX number, customer service and explained the situation and was told that it would be taken care of. I did receive my statement for XX/XX/XXXX with the same charge with fees and interest, another call to customer service only to be told that the matter would be looked into and I would be called back. I never received a call. On XX/XX/XXXX I did cancel that card. I have been trying to get this taken care of for 5 months, a charge that was fraudulent, and not to mention over a year later being billed for this. I am now getting collection calls and I feel my credit is in danger. I just received my XXXX statement with a balance of XXXX which is not even the fraudulent amount so I not sure how they got this number. I have yet to get this matter taken care of. I did mail a letter to dispute this amount. I am attaching a copy of that letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX 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

XXXX XXXX Inquiry XXXX XXXX, 2016 is on credit report. was told this would not be a hard pull on my credit and they lied. it goes against my good credit score. would like removed. I have told this company that i am mentally challenged and on my bad days i ca n't even remember my first name. I would like this company to fix their mistake and take this off my hard pulls on my credit report
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I was a victim of identity theft and I have a letter from the federal trade commission
Product: Mortgage

Freedom mortgage allowed two escrow payment deductions from my account for annual property taxes. I worked diligently with the local county government to have this corrected and to have a refund check issued. The refund check has not been credited back to my account and I have sent communications to Freedom Mortgage.
Product: Consumer Loan

I purchased a vehicle on XX/XX/XXXX from XXXX and it was financed by CIG Financial. As part of the transaction I traded in my previous vehicle that still had a loan pending and part of the sales contract was for my previous vehicle to be paid off. 

CIG Financial funded the transaction without verifying that the dealership paid off the trade in. The dealership never paid off the trade in and now I am left with XXXX active car loans. The dealership went out of business a couple months later filing a no asset bankruptcy and retain the vehicle. 

I contacted CIG Financial on XX/XX/XXXX and XXXX asked me to send him the documentation showing that the trade in was not paid off to later tell me that they will not do anything about it.
Product: Debt collection

On XX/XX/19 XXXX put me in loan Forbearance even though I did not request it. this is a problem because, even if I make payments while in forbarance ( which I did ), they do not count towards qualifying payments for loan forgiveness. I have requested to have that forbearance removed twice to no avail. 

I just noticed that they also did it this past XX/XX/XXXX. I was hung up on during my last phone call by XXXX employee # XXXX. I'm trying again now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here are the list of items which are UKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

I recently discovered the alleged debt being reported on my credit report from this company. As I did n't recognize the debt I mailed this company a request for validation. The company has not provided me with validation and continues to report it on my credit report still.
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account credit one bank 2. Validate Account convergent outsourcing I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, AMERICAN HONDA FINANCE XXXX XXXXXXXX, 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 The following accounts are all fraud and need to be deleted from my credit file immediately.