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

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXX XXXXXXXX Balance : {$730.00}
Product: Checking or savings account

My account was originally with BBVA, a direct deposit for {$340.00} was sent on my closed BBVA account number XXXX. The funds should have been rejected and sent back to the company. Instead, BBVA cleared the wire on XX/XX/XXXX but never credited my current account. As of XXXX PNC took over and Im getting the run around about my money., I have a Federal Tracer number of XXXX. Which shows funds cleared. I was on hold with PNC on XX/XX/XXXX for 2 hours no one picked up. Then again today XX/XX/XXXX for over 2 hours and have spoken with 5 different people and this has not been resolved yet. They have everything they need to track this wire with the feds yet no one has done a thing to help with locating my funds. I need someone to take charge and to their job. PNC merged with BBVA worse thing that couldve happened. Nobody knows nothing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Information XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information reported by XXXX XXXX XXXX on my credit report. Specifically, they are misrepresenting the date of first delinquency, providing conflicting dates across all three credit bureaus. This inconsistency is clear evidence of their failure to report accurate and uniform data as required by the Fair Credit Reporting Act ( FCRA ). 

I have documented proof that XXXX XXXX XXXX has provided different dates of first delinquency to the three credit bureaus, despite the fact that my actual date of first delinquency was XX/XX/year>. This discrepancy is misleading and suggests an unlawful attempt to re-age the account, which is a violation of federal law. 

I am also aware of the Consumer Financial Protection Bureau 's ( CFPB ) recent lawsuit against the major credit bureaus for failing to properly investigate consumer disputes. This case underscores the importance of compliance with federal regulations and the need for a human investigator to handle disputes such as minenot an automated system or artificial intelligence. 

To resolve this dispute, I demand the following : 1. A human-led investigation into XXXX XXXX XXXX reporting practices for this account. 


2. Immediate correction of the date of first delinquency to XX/XX/year> across all three credit bureaus, ensuring uniformity and compliance with the FCRA. 


3. Removal of any inaccurate or misleading information resulting from this inconsistency. 


4. Written confirmation of the results of your investigation and the corrective actions taken within 30 days of receipt of this letter, as required by the FCRA. 



If this matter is not resolved promptly, I will pursue all available legal remedies, including filing a lawsuit for willful non-compliance with the FCRA. Furthermore, I will report your failure to properly investigate this dispute to the CFPB, Federal Trade Commission ( FTC ), and other appropriate regulatory agencies. 

This is your formal notice of dispute. I expect immediate attention and a fair resolution of this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate and Unauthorized Items from Credit Report To Whom It May Concern ( Equifax, XXXX, XXXX ) : I am writing to formally dispute several items on my credit report under the protections afforded to me by the Truth in Lending Act ( 15 USC 1666B ) and other applicable federal consumer protection laws. After thoroughly reviewing my credit file, I have identified the following inaccurate and unauthorized entries that require immediate correction and removal : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1800.00} Collection Credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Collection Car Insurance XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX$3100.00} Collection Phone Bill XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} Collection Furniture XXXX XXXXXXXX Reason for Dispute : I did not authorize this account. Additionally, I did not receive notification or documentation regarding the transfer or sale of this debt to a third party. 

Violation : The failure to notify me of this transfer and the inclusion of unauthorized charges directly contravenes 15 USC 1666B.

Reason for Dispute : This entry contains inaccurate information and was added without my consent. I have no record of authorizing this transaction.

Violation : As per 15 USC 1666B, charges or items appearing on my credit report without proper authorization are subject to dispute and must be removed promptly. Reason for Dispute : The information provided in this entry is inaccurate and does not reflect any authorized activity on my part.

Violation : Reporting this item without verification or proper documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1666B.

Supporting Evidence : Following 15 USC 1666B, I am asserting my right to : Dispute unauthorized or fraudulent charges appearing on my credit report. 
Retain payment or acknowledgment of any such charges during the dispute process.
Product: Credit card or prepaid card

I made 2 payments to Lowes/ Synchrony Bank with my online Banking from XXXX XXXX checks were issued. 
1- {$110.00} issued on XX/XX/2023 2- {$900.00} issued on XX/XX/2023 I have sent copies of the checks front and back, letters from XXXX indicating the payments and Affidavits of Forgery to be filled out signed and Notarized and returned to XXXX if the checks were not received. I have sent these documents to Lowes/Synchrony Bank on multiple occasions and have been on the phone with XXXX and Lowes Synchrony Bank many times trying to resolve this matter. The last time I spoke to a Lowes/Synchrony Bank Manager he said that it was not under his preview to fill out the Affidavits each timBanks they point fingers at each other as the problem.
Product: Student loan

I contacted customer service inquiring about my loan and the agent could did not have access to the information I needed to inquire about my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX received a alert from chase Bank about a address change on my credit report. When I looked there are 3 addresses on my report. The one in XXXX  and XXXX are incorrect.
Product: Payday loan, title loan, or personal loan

I was contacted by CashNetUSA claiming that I received a loan from them. They stated this was an online loan that they sent to a bank account not linked to me. They stated they need a police report to do anything further, but I was instructed I had to start here. They did not not give me an exact amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day When I dispute my credit report first and foremost there is nothing in the system showing that they received the disputes, however, when I called Experian, they told me the dispute has been verified but there is nothing in the system to show that. 

I am constantly sending disputes and there is nothing in the system showing it. The last time Experian shows in the system is XX/XX/2022. I have been disputing my account long past that.
Product: Credit reporting or other personal consumer reports

I extend my appreciation for the efforts taken thus far to address the fraudulent items on my credit reports resulting from an alleged identity theft. However, I would like to bring to your attention the remaining items that persistently appear on my credit reports, which do not belong to me. Upon reviewing my records, I observed that these unresolved items are still inaccurately reported, and I believe their presence violates Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of items opened due to identity theft. I have attached the required FTC Report with # XXXX & XXXX for your reference and with inclusion of my personal documents. The fraudulent items in question are as follows : XXXXXXXX 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 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Teh bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate the bankruptcy they are reporting .However, they stated everything was complete and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information.I also have attached a letter from XXXX XXXX stating the removed the bankruptcy because they couldn't verify the bankruptcy. I have also attached the letter from Equifax XXXX and XXXX stating they verified the bankruptcy ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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. 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I speak appropriate redress for these violations.
Product: Debt collection

I contacted XXXX XXXX XXXX  about my Speedy Cash account of {$1100.00} that was sent to collections. On XXXX XXXX i contacted XXXX to settle out the account in the amount of {$680.00}. At that time i was told the account would be deleted or removed. Which it has not. I filed a dispute with XXXX  and called and i keep getting call the collections, call XXXX. I have a paid in full letter. But not deletion letter. Please help trying to purchase a home, and it needs to be removed.
Product: Money transfer, virtual currency, or money service

An old teacher of my daughters posted on her XXXX that a relative was having to go into a XXXXXXXX XXXX XXXX and had to downsize and sell a bunch of their stuff. She posted on XXXX, the items and the prices. I contacted her through XXXX and said hey were interested in XXXX of the items. When can we see them And she wrote back saying Im out of town helping this relative for the next couple days if theres something really interested in just put a deposit on it and Ill take it off the post because Im getting A Million messages about the items. The amount is fully refundable if you dont like it when you see it, this is a trusted person that I know so I said OK. How much is a deposit on these XXXX items XXXX dollars they said you can send it via XXXX I said I dont have XXXX. I dont use that I use Zelle . They said OK send it to this email. I assumed it was the person that was going in the XXXX XXXX  or the spouse. I sent the money and then I sent another message about an hour later and it wouldnt go through so I sent a text message to the person I know I never got a response from the text message cause I dont know if the phone number is current. Its been a couple years since weve had interaction calls with her, the next morning on XXXX there was a post that she had been scammed. Spent the last XXXX hours trying to get her account back and she hoped nobody had sent a scammers money.
Product: Debt collection

I have called the company IC System Inc several times and verified that the address they have on file for myself is not accurate and that I had been the victim of identity theft. They stated they were going to send paperwork that I needed to complete that would assist them in determining if I was telling the truth. They stated it would take two weeks to receive. I did not receive the document. I filed a police report as they requested. It has been 8 weeks. I have called the original company XXXX  and spent more than 45 minutes being transferred from person to person with no assistance. This fraudelent information is affecting my ability to get my home refinanced and needs to be removed immediately as it is fraudulent. When I called XXXX I told one of the customer service agents that it was due to identity theft and he proceeded to ask me if I wanted to pay the bill.
Product: Checking or savings account

To the attention of the CFPB : We are writing to complain about a situation with our bank, Chase, where we have been clients since XXXX of 2017, having both a checking and savings account and maintaining a balance of about {$80000.00} normally. During these four years we have always made the same use of the account : to receive our income and pay utilities, mortgage and household spending. 

In this time, we never had any alert from the bank for any type of suspicious or fraudulent transaction. We have excellent credit scores and have never been involved with any type of collection agency nor have had financial problems of any kind. 

This past Thursday, XX/XX/XXXX, my wife, who is currently unemployed, received a message from the FL Department of Employment Opportunity ( DEO ) explaining that her benefit payment had been rejected by Chase bank where we have direct deposit. The following day we called XXXX to ask if there was any problem and why the payment was rejected, to which they replied that there were no issues and that there was not cancelled transaction from the XXXX. On Saturday XXXX, we saw that my paycheck that should have been deposited on the XXXX wasn't posted in the account. Also, we discovered that we couldn't make any purchases with our debit cards. 

We contacted XXXX on Sunday afternoon and they informed us that we needed to speak with the Fraud department on the following day. Upon calling that department the following day, we were told that our account was being frozen and closed, that the decision was final, and that they would not disclose the reason for their decision. They also informed us that we would be issued a cashier 's check for the amount of our balance within 7 to 10 business days. 

Because we were concerned about a potential case of identity theft or fraud we have reported this incident to our county sheriff 's department and there is a case open. 

XXXX did this to us without any previous notice without us engaging in any malicious conduct that would motivate this decision or treatment. We understand that the bank can close our account, however, they have put us in a negative situation because they have rejected our paycheck, unemployment benefits, bounced checks ( potentially damaging our credit ) and we had to borrow money to make our credit card payment and cover our basic needs. 

We don't know what has motivated this action on their behalf, but being good clients of XXXX for four years we would expect that in the case of any suspicious behavior they would make us aware of the situation so we could protect ourselves. Instead, the bank has caused us significant stress and moral damage. 

As a result, we would like to file a complaint, not only for the mistreatment and misinformation with respect to potential fraudulent usage of our identity, but mainly because we have never signed terms and conditions that allow XXXX to hold our funds without any justifiable reason. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been used without my authorization to open or access these accounts. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items blocked and deleted. 
Fraudulent Account to XXXX and Delete 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report from a company that is not allowed to require personal protected information, SageStream LLC reported a false score.
Product: Credit reporting or other personal consumer reports

WSFS is reporting negative on credit report have asked XXXX to dispute information they have not done that. The account was never late or charged off
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Account XXXX  Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Additional Details : The inaccurate late payment notations for XXXX, XXXX, and XX/XX/XXXX have caused significant harm to my creditworthiness and financial opportunities. These errors are preventing me from obtaining favorable loan terms and have resulted in undue stress and inconvenience. 

Discrepancies Identified : High Balance : Reported as {$200.00} Last Verified Date : Not provided. 
Closed Date : Not provided. 
Account Status : Reported as " Closed '' but details differ across sources.

Credit Limit : Reported inconsistently as {$200.00}.

These discrepancies and errors in reporting late payments directly violate the following laws : FCRA 1681i : Failure to ensure accuracy and to investigate disputes properly. 
TILA 1666b : Failure to provide periodic statements within the required timeframe.

FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 1681s-2 ( a ) : Furnishing inaccurate information to consumer reporting agencies.

15 U.S. Code 1692e : Prohibition against false or misleading representations in debt collection. 

Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXX from my credit report. 

Written confirmation of the correction. 

A thorough investigation into the discrepancies listed above to ensure the accuracy of all future reporting. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX Report # XXXX XXXX XXXX XXXX is listing 13 Accounts that are LATE/DELINQUENT requesting the below listed accounts be deleted immediately! 
Account ( s ) ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Ive noticed that my credit report contains incorrect personal information, which has allowed an unknown and inaccurate account to appear under my name. As a victim of identity theft, my personal details were misused, leading to this fraudulent account being added to my credit historyan account I have no connection to. Per Experian 's instructions, I filed a report with the Federal Trade Commission ( FTC ) and provided all required documentation to resolve the issue. Despite taking these steps, the fraudulent account remains on my report, creating unnecessary stress and potentially damaging my financial reputation.
Product: Credit card or prepaid card

Commenity bank account fraudulently issued a credit card using my information. They said I would not be responsible for the charges. This was identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax says that I owe {$130.00} to XXXX XXXX XXXX but none of my accounts reflect that and I am up to date. I want Equifax to drop this fraudulent information about me.