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

I am writing to formally dispute several inaccuracies and inconsistencies on my credit report, as reported by your agencies. These inaccuracies are violations of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies report only accurate and verifiable information. And doing so, please delete all These account from my credit report Below are the accounts that require your immediate attention : XXXX. XXXX XXXX ( Original Creditor : XXXX DTE ) Account Number : [ XXXX ] Violation : Failure to Mark Account as Disputed This account is currently under dispute, as indicated in my communication with the creditor. 
However, your reporting across the credit bureaus is inconsistent. Specifically : - XXXX has marked the account as disputed. 
- Experian does not reflect the dispute status. 
- XXXX shows " Consumer disputes - reinvestigation in progress. '' I request that all bureaus delete this account to properly reflect the dispute status as required by the FCRA. 
XXXX. Auto Loan Account ( Opened XX/XX/XXXX ) Account Number : [ XXXX ] Violation : Inconsistent Reporting of Balance and Past Due Amounts This account shows different balances across the credit bureaus : - XXXX XXXX {$32000.00} - Experian : {$32000.00} - XXXX XXXX {$31000.00} These discrepancies are unacceptable and violate the FCRA XXXX requirement for accurate reporting. I request a full investigation into the correct balance amount and a Deletion across all credit bureaus. 
XXXX. Auto Loan Account ( Opened XX/XX/XXXX ) Account Number : [ XXXX ] Violation : Reporting of Unauthorized Services This account was the result of unauthorized services, as indicated in my consumer statement : " CONSUMER STATEMENT : THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES. '' I request that this account be fully investigated and that your records be updated to accurately reflect the outcome of the investigation. The account should not be reported as a charge-off if it was opened fraudulently or without my consent. 
Action Requested : 1. Conduct a thorough investigation of each disputed account. 
XXXX. Delete the this account across all reporting agencies. 
XXXX. Provide me with a written confirmation of the updates made to my credit report. 
I trust you will handle this matter in compliance with your obligations under the FCRA. Please respond to my dispute within 30 days, as required by law. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

Chime has suspended my account without telling me, and I do not have access to the funds I held with them. I tried to have it unlocked in XXXX ( communication happened on XX/XX/XXXX, XXXX, XXXX, XXXX ) but I did not follow up. I tried to have it unlocked again in XXXX, and still have not managed to do so. I tried to switch the email address associated with my account ( because I suspected that their messages are being filtered out as spam by my provider ), but they could not do it. I also told them I have moved, but they said they needed a proof of address for the address that I entered when opening the account. 

They are requesting documents from me ( government ID, secondary ID, proof of address for the first address ), all of which I have supplied to them ( several times from an email address different to the one on my account, and twice from the respective address on XX/XX/XXXX and XXXX ). I call them on an almost daily basis ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) and am ( among other things ) being told that my documents are being reviewed and someone will get in touch ( which they never do ) or they make up some stories about departments that don't exist. Every time I call, the person ( even supervisors ) tells me that I need to send them the documents and I have to tell them that I already did and am waiting for an outcome. Then they say they are forwarding the case to the back office for checking and that they will message me, but no one has ever written back. 

I have money in that account, they suspended my account for no good reason, never told me about it and are ignoring my requests to lift the suspension to gain access to my money.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with XXXX, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER - XXXX XXXX
Product: Debt collection

We signed up with XXXX in XXXX yet had multiple Internet, TV, and phone outages. At first I was told we would be given three months of credit for our troubles. After that did n't happen -- due to XXXX 's shoddy record keeping -- and the outages persisted, I explained to them that since their service was unreliable we had to cancel our account with them and did not want to be held responsible for the early termination fee. The agent that cancelled my service told me this would be taken care of in early XXXX. 

Over the course of the last nearly two months, I have been told by at least SIX different XXXX representatives how sorry they are that the charge has not been removed and how they will eliminate it and it is not our responsibility. Not only have they still not eliminated it -- nor even have any record of my previous calls -- but now I am getting collection notices from Credit Protection Association threatening to report me to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a job and the job uses a certain background company and this company stated I have a XXXX XXXX XXXX in Ohio and I've never been to Ohio a day of my life let alone been XXXX. I've never been XXXX  for anything in my life and I'm just trying to get this off my record so I can start back working ASAP for the holidays.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX and anxiety upon me. Additionally, I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S.C. 1681g ( b ) and 15 U. S. code 15 U.S.C. 1681g i ( 5 ) These accounts are in violation of number 100 % accurate.

The credit reporting agency stated that these accounts were properly investigated and came back as verified. However, is this true when there are several inaccuracies showing on my report? 

The address XXXX XXXX XXXX XXXX XXXX  IL is not my address and I have never lived there. In addition to this, the phone number connected to this fraudulent accounting does not and has never belonged to me.

As a consumer, I request to know all the steps the Agency took to ensure these items were 100 % accurate under FCRA 15 U.S.C. 1681i ( 7 ) Method of verification- Description of the reinvestigation procedure. In addition I am demanding this be removed and deleted from my report immediately.
Product: Credit reporting

Received  XXXX  letters from   XXXX   XXXX   XXXX   stating that my accounts with  XXXX   XXXX  were being sold to a collection agency  XXXX   XXXX   XXXX . Acct ending in  XXXX  had a balance of {$3300.00} and acct ending in  XXXX  had a balance of {$3400.00} according to the letters. My wife reviewed our credit reports with  XXXX  credit Bureaus  XXXX ,   XXXX   and  Experian si nce the accounts were a joint account and noticed that the amounts and dates reflected on our reports were different than what the letter stated and that   XXXX   XXXX   XXXX   was also reporting as a separate account from  XXXX  on my  XXXX  report which made it seem like I had  XXXX  past due accounts instead of just  XXXX .  XXXX  reports originally showed as follows : Springleaf acct ending in  XXXX  balance {$3600.00} opened  XX/X/XX ,   XXXX   XXXX   XXXX   acct ending in  XXXX , balance {$3500.00} opened   XXXX     XXXX   acct ending in  XXXX  balance {$3100.00} opened   XXXX     XXXX   XXXX   XXXX    acct ending in  XXXX  balance {$3100.00}.   XXXX   showed both  XXXX  accts the same as   XXXX   but no  XXXX   XXXX   XXXX  accts. Experian showed no   XXXX   accounts but the   XXXX   XXXX   XXXX   showed as follows :   XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3500.00} opened  XX/X/XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00} opened  X/X/XXXX . None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from  XXXX   XXXX   XXXX . I never signed a contract with   XXXX   XXXX   XXXX   and my account with  XXXX  was included in a chapter  XXXX  bankruptcy that was filed   XXXX   so my account should not have been transferred or sold to   XXXX   XXXX   XXXX   or submitted to the collection agency   XXXX   XXXX  . The inaccurate reporting done by  XXXX   XXXX   XXXX  and  XXXX  has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the  XXXX  bureaus as they are inaccurate. My wife filed a consumer finance dispute (  XXXX  ) against  XXXX , Experian  (   XXXX  ) and  XXXX  (  XXXX  ) on  X/XX/XX  and in doing so  XXXX  deleted the accounts from her credit report, however the accounts on my credit report were updated as follows :  XXXX -  XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened   XXXX   {$3100.00},   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened  XX/X/XX  {$3500.00} which is still incorrect.  XXXX  currently shows-  XXXX  acct # ending  XXXX  opened  XXXX  {$3100.00},   XXXX   acct ending #  XXXX  opened  XX/X/XX  {$3600.00}. Experian currently  shows-   XXXX   XXXX  acct ending #  XXXX  opened  X/X/XX ,  XXXX   XXXX  acct ending #  XXXX  opened  XX/X/XX  Due to the continued inaccurate reporting these accounts need to be deleted from my credit report as well. They were deleted from my spouse 's report and the accounts were joint accounts.
Product: Debt collection

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen, among them was my passport, driver 's license, social security number and paystubs that showed my address and birthday. Ever since several accounts have been opened in my name without my approval or knowledge. This XXXX XXXX XXXX account was opened without my knowledge or approval. The apartment complex that the XXXX XXXX XXXX service was opened at has acknowledged that I did not execute the lease or live at the apartment complex. The lease was executed in my name without my knowledge and all utilities at the apartment complex were opened by a third party without my knowledge. I have attached a copy of the the FTC identity theft affidavit.
Product: Money transfer, virtual currency, or money service

A friend of mine sent me {$450.00} through cash app owned by square Inc . This deposit from a friend 's cash app account to mine occurred on XX/XX/2020 When I tried to transfer the money out and into my bank account the same day I had issues and noticed that cash app locked my account due to what they thought was fraudulent activity. I emailed cash app continuously, for days after this, and followed all of their directions which involved uploading a picture of my ID front and back to them along with a picture of my face holding my ID. I tried to get a hold of them on the phone but they do not have anybody that can answer or talk to you. 

Sometime around XX/XX/2020 I logged in to find my account was deleted and wiped out and no trace of my old account along with no money. Luckily my friend still have the email that said who she sent money to along with my username. Cash app then said I needed to merge my account and I need to send them all the information I could to merge my old account which isn't showing up at all and my new account that I had to create just to get into cash app. 

I would think when you are handling someone's money, good customer service and professionalism is expected. 

All I got back from cash app were generated email responses which were all very generic and definitely not from a real person. I contacted the XXXX XXXX XXXX and filed a complaint. I documented everything I needed to on cash app and sent it to the XXXX XXXX XXXX Not even a day later I got a message in the XXXX XXXX XXXX With an attached response from cash app and it appeared yet again to be another generated response. The response was somewhere along the lines of telling me to do the same thing I've already done many times before this which is to verify who I am and send them a list of details about my old account that mysteriously vanished. I did what was asked once more but did not accept their response and wrote in the response to XXXX  why I don't accept that response. It has been almost two months and still they refuse to talk to me on the phone they wont refund my money or explain what account my money was transfered to. I don't know if the XXXX XXXX XXXX is doing anything about it but it's been about two weeks since I've heard from them. I can also not get ahold of anyone on the phone at the XXXX XXXX XXXX I was told to call the XXXX XXXX XXXX XXXX XXXX but nobody answers or returns any of my calls and I have left voice mails. I do have a record and screenshots with proof that the money was transferred to my cash app. I just want to know where the money was transferred to and why my account is deleted and I want a full refund.
Product: Student loan

I have a loan program called FFELP. I made a complain before about my student loan account number XXXX. On this account I have about XXXX loans. I have contacted the Salliemae/XXXX informing them I have no job and I needed to have my loan payments deferred, I requested this form since XXXX XXXX, due to unemployment. I have not received any document from XXXX and department of education. I have submitted a complain to Ambushed men but no solution. Every day I received more than XXXX calls a day from XXXX and Dep. of Education asking for pass due payment in the amount of {$1600.00} to pay immediately. I have no job I just wonder How will I pay them. I also know that I have a right to deferred my student loan. I just do n't know when the phone calls will stop. I spoe with most of them on phone telling me they want to help. i asked How? once I ask that question they hanged up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owe XXXX on XXXX XXXX/ XXXX the Exuifax shows 10 different accounts equal to XXXX i disputed but the Exuifax will not fix the issue many times i tried no luck i can provide further info about this, i tried to contact the XXXX they will not help The XXXX , XXXX XXXX   XXXX is closed ACCOUNTS but they refuse to update I WANT THIS UPDATED, AND I GOT A LAWYER INVOLVED AS WELL
Product: Debt collection

On XX/XX/XXXX I called a debt collection agency from my cellphone ( XXXX ) XXXX because it showed up on my credit karma as a collection I owed in the amount of {$360.00}. The only information I had is that the debt was initiated in XXXX of XXXX for the amount of {$360.00} and it said that I needed to contact the agency at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, telephone number ( XXXX ) XXXX. It did not give me the agencies name. The lady I spoke with would not tell me why I owed this money. She told me I needed a reference number or she wouldn't even be able to continue to speak with me. I looked through credit karma and couldn't find one so she told me she had to hang up. I explained that I was calling to pay the debt as long as I could find out what it was for and she told me that she couldn't give me any information without a reference number or without me confirming the address. I listed off all the addresses I have lived at in the last few years ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. She told me that none of these addresses matched her records and refused to speak with me further. She told me I should've received a letter or a text message neither of which I did. But I suggested to her that she could send me a text now to the number they have on file since I've had the same phone number for years. She refused. Since that call my credit score has gone down 47 points and I am currently looking to rent a new apartment and now my credit is far below average. I feel unjustly penalized especially as I was attempting to pay her the money but she wouldn't speak with me. I've called collection agencies before and there's other ways of verifying who I am and I think it's unfair that she wouldn't even allow me to pay the money or give me any info on it and now my credit is being affected severely. Please help me resolve this issue either by learning what it's from so I can pay it or if it's not from an address I've lived at then help me dispute it. I am reporting this to you on the recommendation by my realtor who suggested I reach out to the cfpb for help. Thank you for reading this message and I look forward to hearing from you Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions. 

XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$23000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Product: Credit reporting or other personal consumer reports

This account was opened on the following dates from the consumer report There are no on time payments This is inaccurate payment history reporting. I should have active payments this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. XXXX and Equifax failed to investigate this account properly after | repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy chapter XXXX  on XX/XX/2018my attorney included all my debt I was told that I could reaffirm my auto loan with Wells Fargo dealer services I contacted WFDS & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged on XX/XX/2018no payments were made on my truck during that period & no credit reporting was made from XX/XX/XXXX thru XX/XX/XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid WFDS $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy
Product: Credit reporting or other personal consumer reports

I went to a large event a few years ago. My wallet went missing with all my identification including my social security card, drivers license, and a credit card. I thought I may have misplaced it. When I got I realized it was gone but thought nothing of it thinking I may have over looked it and that it would pop up. I now realize someone stole it. 

There are 2 addresses I never lived on my on my Experian report XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX phone numbers that are not mine ( XXXX ) XXXX and ( XXXX ) XXXX An inquiry on my Experian and XXXX report from XXXX XXXX XXXX that I did not authorize Open sky card that I had no balance on was maxed out on {$200.00} added which leaves me {$700.00} balance that reflects on all 3 on my credit reports. 

It states on my XXXX report it states Im self employed
Product: Debt collection

I was reviewing my credit report and noticed that I had some collections that weren't mine
Product: Debt collection

Repeatedly tried to contact XXXX XXXX XXXX XXXX to no avail. The company is placing derogatory marks on my XXXX, XXXX  and XXXX reports. This information is completely wrong and needs to be corrected immediately.
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 XXXX  instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 
Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}