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

I was an authorized guest at my friend 's apartment. I didn't live there but I was visting and the lady in the rent office at XXXX XXXX XXXX XXXXXXXX informed me in order to place a maintenance request she needed my ID information ; which I thought was weird but I did it. I was only over there for 2 days when I placed the request and went back home to where I lived which was XXXXXXXX XXXX XXXX XXXX XXXX XXXX Well fast forward to 3 years I see that my friend apartment balance and eviction was on my credit when I never signed a lease or live there! I was only there for 2 days and have spent a night over there maybe 5 times out of 3 years. How is this even legal? PLEASE HELP ME! ITS RUINING MY LIFE AND IT ISN'T FAIR TO ME. I TOLD THE PROPERTY MULTIPLE TIMES IF THEY LOOK UP THE ORIGINAL LEASE THEY'LL SEE I NEVER SIGNED A LEASE OR ASKED TO BE APART OF THAT HOUSEHOLD. I HAVE NO FINANCIAL OBLIGATION OR ANY KIND TO THAT PROPERTY!
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, necessitates the elimination of any incorrect accounts from my credit report. Can you review the documents, please? There are inaccuracies in the reporting, amounts, and dates of some listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received a response from the credit bureaus despite several letters, nor have I noticed any modifications to my report. The bad items I've been contesting remain on my credit record. This is obviously a violation of federal law. Credit reporting agencies are required by FCRA 605b to remove/block any accounts included on an identity theft report. I've attached some documents to help with the blocking of the incorrect information on my report. 
XXXX XXXX XXXX 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

The statue allows multiple reinvestigation. 

The following accounts has fraudulently charges made to account : XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered some erroneous information. The three credit bureaus are required to validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permissible to leave this information unverified without providing proof within the legally allotted time. The following accounts need to be investigated and corrected for erroneous reporting on my file, as listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX ( XXXX ) IS VIOLATING MY RIGHT TO PRIVACY BY REPORTING UNAUTHORIZED INFORMATION TO CREDIT BUREAUS TRANSUNION AND XXXX. ON XX/XX/XXXX, IN WRITING, I SENT XXXX XXXX AN OPT OUT NOTICE. ON XX/XX/XXXX I SENT TRANUNION AND XXXX XXXX REPORTING AGENCIES PROOF OF OPT OUT NOTICE AND WRITTEN INSTRUCTIONS TO REMOVE ACCOUNT FROM REPORTS. ALL 3 COMPANIES ARE STILL REPORTING MY PRIVATE INFORMATION. 

COMPANIES ARE VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING CONSUMER PROTECTIONS : -PRIVACY ACT OF 1974 -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION -TITLE 15 UNITED STATES CODE 6802 `` OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION
Product: Debt collection

The company that I'm complaining about is called world finance on one credit report they are listed as world finance and on another they are listed as XXXX personal credit plan. they list multiple dates and show it multiple times on my credit report all with different dates. this debt is more than seven years old and should be removed from my credit report but they keep changing all the dates. I have disputed this numerous times with XXXX XXXX  and other credit reporting agencies.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute certain inaccuracies on my credit report that I obtained from your agency. My report contains the following erroneous information : [ Description of the item you are disputing, including account number, creditor name, and specific inaccuracies ] [ Another item, if applicable ] This information is incorrect because [ explain why the information is inaccuratee.g., it is not your account, it is outdated, etc. ]. 

I have enclosed copies of relevant documents to support my claim, including [ list any documents you are including, such as statements, payment confirmations, or identification ]. 

According to the Fair Credit Reporting Act, I request that you investigate this matter and remove or correct the inaccurate information on my credit report. Please confirm receipt of this letter and provide me with the results of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ Your Name ]
Product: Money transfer, virtual currency, or money service

Hello, I filed a claim for a wire transfer fraud that occurred on my account and it was denied. A phone number that shows Chase banks ' phone number XXXX ( XXXX ) XXXX called me saying my account was being hacked. I felt that it was a scam at first and I decided to hang up ; however, the number kept calling saying it was urgent and they believe someone is hacking my account. I decided to look up the phone number and it was a Chase phone number. I also went into my local Chase branch and asked if this is a Chase number to which the employee told that it was. Once the employee told me at the branch that this is in fact a Chase number I started to proceed with answering questions. The fraudsters already had almost all my information and passwords before I even started. They would then wire my funds in increments saying that they needed to upgrade my security and wire my funds to a separate chase account and wire everything back. The first wire was done on XX/XX/XXXX for {$5400.00} and continued to do XXXX wire transfers that told up to roughly {$52000.00}. They also got into my XXXX  XXXX XXXX accounts and it shows that the recipients were receiving said it was going to XXXX I immediately told both banks. XXXX  XXXX XXXX refunded {$10000.00} which they did XXXX wires from that account. Chase customer service sent me a letter and told me I had to fill out paper regarding the situation and after they needed roughly 45 days to process. After I filled out the paper and waited 45 days I contacted them to twice to find out the update without my funds. Finally they updated me and said they denied me of my claim. I am at lost of words since that is a lot of my savings and I was told by Chase employees that this was in fact them calling me. I do not know what else to do and I am now filing this complaint. Please help!
Product: Checking or savings account

Massive overdaft fees to my checking/savings account that were applied when there was avaialbe funds.
Product: Checking or savings account

yesterday at around XXXX on XX/XX/XXXX i had received a text from chase saying there was a fraud alert of someone trying to buy something from XXXX  in XXXX at XXXX XXXX XXXX XXXX so i checked my checking account and seen that they had taken all my money more than XXXX $ and at first Chase said they denied the charges but thats false because they all went through and they even withdrew XXXX $ i had called chase right away. I dont know how this happened i had my card with me all day that day and today i still have it. I live in illinois I have never been to XXXX.
Product: Debt collection

On XX/XX/2019 I was told that my account ending in XXXX balance was XXXX so I paid it and it was reported to the credit bureau now 3onths later they are calling and harassing me about being 60 days late, now I haven't heard anything from them since XX/XX/XXXX when the account was paid, I also have another account ending XXXX and in XX/XX/2019 was told my balance XXXX so I paid XXXX left my balance of XXXX when I went to pay the balance they are now saying that my balance is XXXX. I have been getting the run around, I spoke with a supervisor name XXXX in the collection deprtment and she said that she an see that my was balance was XXXX in XX/XX/XXXX and I made a payment, did not undersatand why the amount change so was sending it to the review department to be review on XX/XX/2019 and still to this day haven't gotten a answering whenever I call to see what is going I get threated about being sent to the credit buren this company hs been giving me the run around for over two weeks. 
please can you help me resolve this. 
XXXX XXXX Conn 's home plus
Product: Debt collection

I sent a letter asking for proof that the account is mine I have not received any
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 such violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan from XXXX and I have never missed a payment. However on XXXX, XXXX and XXXX of 2022 it shows up on my credit report that I missed a payment for these three months. This is inaccurate and I even just got off the phone from XXXX and was informed in their system that I have never missed a payment. This error on my credit report is hindering me from buying a home.
Product: Debt collection

Bayview Loan provided a response to a complaint filed with Cfpb which contained inaccurate information : Stated Debt Validation was provided, but only provided THE EXACT SAME, original debt letter with a different date. Bayview then proceeded to immediately collect on the debt and provide Cfpb with a letter stating they addressed the issue. I have provided both letters, originally dated XX/XX/2017, and response to my request for validation, XX/XX/2017. You will notice both letters are the same. 

Bayview Loan failed to credit two payments as the date received, instead of misrepresenting the received date. I am providing proof of receipt of both XX/XX/XXXX and XX/XX/XXXX payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. After reviewing my credit report, I have identified late payments recorded to my accounts. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service representative. 
I understand the need for accuracy and fairness in credit reporting, and I appreciate your attention to this matter. I kindly request that you investigate and update my credit report accordingly. Thank you for your prompt attention to this matter, and I look forward to a positive resolution.
Product: Credit reporting or other personal consumer reports

Request for Validation and Removal of Inaccurate Information from Credit Profile I am writing to address a matter of significant concern regarding the accuracy of information on my credit profile. I have recently become aware that your agency is reporting information that has not been properly validated, a practice that directly contravenes the provisions of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information pertains to the following account : Creditor Name : XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Tx XXXX Under the FCRA, I am entitled to accurate and verifiable information on my credit report. The reported account incorrect and has not been adequately validated, and as such, I am formally requesting that your agency comply with the following : XXXX. Provide full validation proof : Furnish detailed documentation supporting the accuracy and legitimacy of the reported debt, including but not limited to the nature of the debt, the amount owed, and the original creditor. 

XXXX. Compliance with FCRA : Acknowledge and rectify the violation of the Fair Credit Reporting Act by ensuring that all information on my credit report is accurate, verifiable, and in compliance with the law. 

I emphasize that the inaccurate reporting of this debt is not only damaging to my credit standing but also constitutes a violation of my rights under the FCRA. If your agency fails to provide the requested validation information within the stipulated time frame, I reserve the right to pursue legal action to rectify this violation. 

To facilitate communication, kindly forward all written correspondence, including the requested validation information, to the following address contained within this complaint. 

Alternatively, I request the prompt removal of the inaccurate account from my credit profile if full validation proof can not be provided within the specified time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution to rectify this violation of my rights under the FCRA. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is XXXX. XXXX is not reported to a consumer report. After the settlement Balance was paid there is a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. Regardless to if the company issues a 1099c to the consumer or not the discharged balance must be reported to the IRS as income. The account status is no longer debt but income. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income does not get reported to a consumer report. XXXX  XXXX was relieved of the tax burden with this account and the tax burden then placed on the consumer. There's also case law to back up what I've just stated. Franklin Credit Mgmt v. Nicholas, Amtrust Bank v. Fossett. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n XXXX XXXX can be held for civil liability for willful non compliance. I will also be filing a a tax complaint against the company as I've requested a 1099c with XXXX XXXX and that request has yet to be fulfilled. Even though the discharged balance is not over XXXX dollars in which a company is required by the IRS to file form 1099c it does not mean the consumer is excluded from filing the discharged balance as income on their tax return. So regardless to the amount it is still income. I want the account deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

Experian is violating the FCRA by not investigating my disputes. They continue to respond with a generic letter stating " request does not appear to have been sent directly by you or authorized by you '' which is a blatant lie and false in which every correspondence I have sent I have attached my driver 's license and social security card both which are acceptable documentation in verifying my identity. They are not deleting accounts over XXXX years old. They are not providing validation of debts I have no knowledge of and have requested original signed contracts, proof of debt ( charges, itemized deductions, dates, proof I was notified of debt ) all are which are required by law.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

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 the XXXX data breach and as a result I'm also 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. Thank you. As well as letters were sent to XXXX Trans Union and XXXX Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed charge with XX/XX/XXXXseveral times, alerting that the account does not belong to me, within 5 hours the credit bureau states the account was verified by creditor. I contacted the creditor directly, spoke with Ms XXXX XXXX, agent states the wrong address and could not pull any shipment information. I don't understand why the creditor is reporting fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX and XXXX XXXX XXXX Bank have violated my rights for the amounts of {$1300.00} and {$230.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Product: Credit reporting or other personal consumer reports

Victim of identity, theft, and for years, my credit reports have all had incorrect names, incorrect addresses, and incorrect phone numbers. I had multiple accounts opened fraudulently,, and while those have been rectified on my report, it still shows all the personal information is wrong.
Product: Vehicle loan or lease

Had lease with XXXX XXXX and was one payment behind. Car repossessed with substantial amout of personal belongings left in vehicle. XXXX advised me numerous times, the repo company had not reported it repossessed. I tracked vehicle via XXXX  being driven around XXXX XXXX area. After almost one year, XXXX has not sent one notice regarding repossession, intent to resale, balance owed or inventory of personal belongings. When I call the repossession number I am always asked for contact info for supervisor to return my call however, I have heard from no one.
Product: Mortgage

I need a payment history or timeline of how the funds were applied to the mortgage account when they received the funds from the XXXX XXXX XXXXXXXX or the XXXX XXXX in XXXX, XXXX, and XXXX for the mortgage balance. 

Also, need to remove the following address from the mortgage account : " XXXX XXXX XXXX XXXX XXXX, CA XXXX. '' There is no affiliation with this address for this mortgage account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for refusing to correct outdated and inaccurate personal information on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, Experian has continued to include incorrect versions of my name and addresses where I have never resided. I have provided my current, verified personal information ; however, Experian has failed to update my report accurately. 

Violations of the FCRA : Inaccurate Information Reporting ( FCRA, Section 609 - 15 U.S.C. 1681g ) Under Section 609 of the FCRA, credit bureaus are required to maintain accurate and verifiable consumer information. Experians refusal to update my report, even after I provided verified information, violates this requirement and affects my creditworthiness.

Inclusion of Unauthorized Information Experians retention of incorrect names and outdated addresses without my authorization infringes on my rights to accurate reporting. Retaining unauthorized data that I did not validate is not only inaccurate but also damaging to my credit history.

Impact on My Financial Standing : The presence of incorrect names and outdated addresses on my credit report is negatively impacting my credit score, harming my financial reputation, and limiting my access to credit. This lack of accurate information has created barriers to my ability to conduct personal and financial transactions.