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

XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX [ XXXX [ Your Phone Number ] XXXX Credit Bureau XXXX XXXX XXXX XXXX Experian / XXXX ) XXXX Credit Bureau XXXX XXXX XXXX XXXX for XXXX XXXX XXXX : Formal Dispute of Inaccurate Information Account No. XXXX ( XXXX XXXX  ) Dear Sir/Madam, I am writing to formally dispute the inaccurate information being reported on my credit report by Ally Financial. The account in question is an auto loan under Account XXXX. XXXX, opened on XX/XX/XXXX. XXXX XXXX is inaccurately reporting that this account was charged off, with a balance of {$29000.00} as of XX/XX/XXXX. However, I made payments under a contract with XXXX, which was sold to XXXX XXXX. Despite these payments, XXXX XXXX is falsely reporting that no payments were made. 

Violations of Law : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) : You are required under the FCRA to maintain accurate and complete credit information. This inaccurate reporting by XXXX XXXX violates this provision, as the payment history and account status are incorrectly reported. 
Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i : Under the FCRA, I am entitled to an investigation of disputed information. I am requesting an immediate reinvestigation of this account to ensure that my credit report reflects accurate information, including the correct payment history with XXXX before it was sold to XXXX XXXX. 
Truth in Lending Act ( TILA ) - 15 U.S.C. 1639 ( a ) ( XXXX ) : The failure to properly disclose the sale of the loan from XXXX to XXXX XXXX and the erroneous reporting of payment status could also violate TILA, as the new lender did not provide adequate disclosure regarding the transfer of the loan and the terms associated with it. 
Supporting Documentation : I have attached proof of payments made to XXXX, which shows that the payments were applied before the account was transferred. These payments are not reflected accurately in the reporting by XXXX XXXX, and I request immediate correction. 

XXXX XXXX : I request that you reinvestigate this account and correct the inaccurate information being reported by XXXX XXXX. This includes removing the charge-off status, late payment history, and reflecting the correct payments made. 
Please update my credit report to reflect accurate information, as mandated under the FCRA and TILA.

If the credit bureau continues to report incorrect information, I will pursue further legal action as allowed under federal consumer protection laws, including the FCRA and TILA.

I expect this dispute to be resolved within the 30-day timeframe as required by the FCRA. Please notify me of the outcome of your investigation at the above address.

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

Key Violations : FCRA - 15 U.S.C. 1681e ( b ) : Inaccurate information reporting.

FCRA - 15 U.S.C. 1681i : Failure to properly investigate disputes.

TILA - 15 U.S.C. 1639 ( a ) ( 1 ) : Inadequate disclosure and reporting upon loan transfer.

FTC Act - Section 5 : Deceptive practices.Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This Account Doesnt belong to me please remove : creditor 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  THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THANKS
Product: Money transfer, virtual currency, or money service

I initially became involved with Freedom Debt Relief when I received a advertisement in the mail for a " personal loan '' upto $ XXXX to consolidate all my debts. When I went online to apply, it said that I had to call in and speak with someone for next steps. When I called in I was advised that I did not qualify for it and that they had a program to settle the debt. They also led me to believe that when the debt gets older it is easier for them to settle the debt. They kept pushing settlements off, and then I started getting letters from an attorney, I did everything they told me, I uploaded all the docs, I kept all my payments on time, then I got served legal papers. I found out that they never had the attorney reach to the attorney who served me. Had they reached out earlier they could have prevented this. I found out that they had not reached out because they had wanted another {$270.00}, but no one told me that. I paid it right away, they made me contact the court for an extension, because no one there would do that. I filed for the extension and I was told that their attorney would now make contact. I get another notice that they attorney had filed for default, because no one contacted the, I called in, they said everything looked fine, and they had no idea why contact was not made. The CSR thought that maybe they wanted more money on the file, so I added more. I did not hear back from the suing attorney, so I thought we were on track. Now I received another letter that the attorney can not get ahold of FDR rep, and that I am again going in default. I know that FDR does not " Promise '' anything, but when they get the hook into you, they elude that they will help and be there for you. Everything is done though FDR, there is no way to contact the attorney and we do not have a contact there.
Product: Debt collection

I XXXX XXXX, entered into a consumer credit transaction with UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a INSTACREDIT AUTOMART on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a/ INSTACREDIT AUTOMART in fact took cash. The finance charge is supposed to include insurance, but UCA, INC d/b/a INSTACREDIT AUTOMART made me purchase insurance separately. UCA, INC. d/b/a INSTACREDIT AUTOMART did not present me with a Right of Rescission in this consumer credit transaction which is a violation of 15 USC 1635. Upon violating my rights as a consumer under Truth & Lending Act, this same company also committed fraud under the FDCPA. These FDCPA violations include invading my privacy, contacting me multiple times that were inconvenient to me, continuously harassed me, used profane and obscene language, hurt my reputation as a consumer, sold the alleged debt to coerce payment, illegally repossessed my vehicle twice, used unfair and unconscionable means to collect the alleged debt, furnished misleading and deceptive forms, and has caused a tremendous amount of actual damages behind these fraud acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accounts fraudulently opened without my authorization. Filed identify theft report as well as multiple police reports and sent to credit bureaus for removal of fraudulent information not belonging to me. They have either not responded or continued to leave incorrect information on report. Have not provided me proof that anything was investigated or verified to date.
Product: Mortgage

I have been trying to obtain a Short Sale Approval for a while, this is the 4th time that I sent a full package to Gregory Funding ; it seems that this servicer has only one person in the short sale department since the file always go to the same person XXXX XXXX ; the appraisal of the property was done on XX/XX/XXXX after 2 weeks after 2 weeks XXXX XXXXXXXX called the short sale processor and requested a {$460000.00} counter offer, the processor requested the appraisal results, but she said she could not provide this information. However, the counter offer was sent to the servicer immediately with the preliminary HUD 1 which stated the closing date as the contracts specified 45 days after approval ; XXXX XXXX requested to the processor to change the closing date given only 20 days to close which was against the contract ; the short sale processor explained that to her, but the short sale was denied on XX/XX/XXXX, now they have a new package since XX/XX/XXXX, and she does not contact anyone on the package or send any correspondence or email ; she called us stating that she did not wanted to work with the short sale processor and that we should choose another realtor because she was upset about my previous complaint with cfpb
Product: Credit card

To Whom It May Concern, I am writing to request specific information regarding the referenced account. Please note that I am not disputing the account or the information currently reported. I am simply seeking clarification regarding the account details.

I kindly request that you provide me with the following information : The date of the first delinquency on this account.

The date of the last payment made on this account.

The date of the charge-off on this account.

Having this information will help me better understand my account history and its reporting timeline. I appreciate your cooperation in addressing this request and look forward to your prompt response. 

Thank you for your attention to this matter. 

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

Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and Experian has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.
Product: Payday loan, title loan, personal loan, or advance loan

The account with Upgrade Inc is written off with a past due balance that is different from the charged off amount. Not only is this inaccurate information, I was also never sent a XXXX form as required by law for the written off debt to be counted as income.This debt is considered a charge off however, this is actually considered income because I should have received a XXXX in order to account for this. I'm requesting that this account be removed because it is income and income is nit included on credit reports.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX Balance : {$160.00} Original Creditor : XXXX XXXX XXXX Balance {$230.00} XXXX XXXX XXXX XXXX  XX/XX/year>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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC violation inaccurate information showing on credit violation of FCRA
Product: Payday loan, title loan, or personal loan

I received an email stating i was guaranteed a loan with reasonable monthly payments with monthly installments up to 12 months I applied was told i was approved for the amount of {$1200.00} Gave them the info needed for the deposit and that monthly payments would be withdrawn On the XXXX of every month This was in XXXX I never received any paperwork of any kind In XXXX they withdrew {$590.00} from my account I was taken back by the amount withdrawn I called XXXX at XXXX XXXX And questioned them about the amount withrawn i said it seemed high and was rhat what they were going to charge me every month for a year? 
They said yes I adked what ratevof interest were rhey charging snswwer 450 % Unbelievable! 
Is that legal? 
They said if i wanted i can pay it off early and all i had to do was pay {$1700.00} I have paid them monthly but i am on social security I cant afford this I have paid the amount borrowed almost three times over already I believe what they are doing is illegal there should be a limit on interest i need you help I have called them again And received the same response
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts 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. However, they stated everything 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 instructions 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 than 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Submitting this CFPB Complaint to dispute the presence of inaccurate and erroneous accounts on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. Specifically, the accounts I am disputing are XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$9500.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$1000.00}. The information contained within these accounts is inaccurate and does not reflect my credit history accurately. I request that you investigate this matter and correct any inaccuracies found. Under section 611 of the FCRA, credit bureaus are required to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires that credit bureaus provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Product: Debt collection

I received an alert on my credit monitoring site indicating there was some company named IC Systems reporting on my credit file. I disputed it but was only told that it was verified. I never opened an account with IC Systems nor does the amount for $ 800+ even sound like an account I opened. This account is not mine.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 card or prepaid card

I had attempted to set my account on auto-pay, also attempted to use my reward points towards my bill, both of which does not work on the website, it freezes. Because of that I was charged late fees. Being a customer of several years, I don't normally get late fees, I do not think it was a fair assessment and now have to pay extra late fees on top of the high percentage of interest rates I'm already paying.
Product: Debt collection

I received a letter from Receivable Recovery Service LLC dated XX/XX/2020. The letter stated Notice of Default with a balance of {$330.00}. I logged onto their system XX/XX/2020 disputing the account and asking for validity of debt. Please note that this company violated the FDCPA laws because for one they reported it on my credit XX/XX/2020. Which was before I even received the letter which stated I have 30 days from the date of notice to dispute the validity of this debt. I made aware of this being reported on my credit through an app called XXXX XXXX. This company made a negative remark on my credit and back dated it to XX/XX/XXXX with a mark saying disputed by the consumer! They did partially respond to my request for validation of debt but they did not provide all requested documentation for an account that does not belong to me. They responded on XX/XX/2020 and I asked for documentation on XX/XX/2020 to the person with an email address of : XXXX I never heard anything back from them. A copy of communication is attached to this complaint. They have violated a lot of my consumer right and have made a negative remark on my credit! They need to be fined and they need to delete this from my credit history! For one I dont owe and didnt owe the debt. Once I saw it on my credit report I freaked out!!! I paid half which they didnt even report that payment until I threatened this on XX/XX/2020. They updated the payment and still once again ignored my request of proving me with proof that the account belonged to be. They never provided proof that they are licensed to collect in my state which is Florida. 
They were inconsistent with the amount due! The letter stated {$330.00} and they reported to the credit bureau as {$240.00}
Product: Credit reporting or other personal consumer reports

I have requested transunion and XXXX to make a full investigation on the bankruptcy they are reporting ( Reference number XXXX XXXX  XXXX ) and to tell me who's the source they are using to gather this information. These 2 credit bureaus are the only ones reporting this information on my credit report. I have tried numerous times to get this information from them and they take forever to not give me this information and I believe that is because they don't want to remove this bankruptcy from my credit report if needed. At this point I feel discrimination against my person. This is mentally disturbing for these people to do whatever they want with people 's lives.
Product: Credit card

Good Afternoon, On XX/XX/2023, I received an email from Chase Bank mobile stating congratulations your new credit card was approved, Chase Freedom Unlimited card ending in XXXX.
Product: Credit reporting

I have sent in a dispute to TransUnion concerning the inaccurate reporting of accounts of my credit report and i have not received back any correspondence. The items listed on my credit report where discharged in a bankruptcy. XXXX XXXX # XXXX. XXXX XXXX # XXXX Bal {$5700.00}. this account was not properly updated. XXXX XXXX # XXXX Bal {$550.00} discharged in a Bankruptcy not properly updated. There have been several complaints and no feedback whatsoever so now I am officially filing a complaint with the Bureau of Consumer Financial XXXX.
Product: Debt collection

I just received a notification from XXXX who monitors my credit and notified me of a new collection associated with my credit file. After making calls and following up with the credit bureaus it was confirmed this was an account opened in my name from when my identity was stolen back in XX/XX/2021. They opened an account with XXXX XXXX XXXX for an address in XXXX that I have nothing to do with. This {$540.00} debt was then passed along to Credit Systems International In. Once the debt collection was placed I found out and immediately reporting this as fraudulent. For reference i have attached the original affidavit of the idenitity theft that took place in XX/XX/2021.
Product: Credit card or prepaid card

I opened the Target RedCard Store CreditCard in XX/XX/2020. 
Ive been using the card. But I didnt use the card for couple of month later. 
On the XX/XX/2020 I tried to place an order through target store app but it did not go through. 
I called and was told that the card was closed due to inactivity. I was infuriated because at least theyd have notified me about the actions they were planning to take. I requested to speak with XXXX a supervisor about the situation to see if she can resolve it but to no avail. The confirmation number for the call with her is XXXX. 
This is so so so disrespectful and in a logical sense describes the relationship between corporations and consumers- they advertise to you and throw you out when out whenever they want. 
They didnt see me human enough to notify me of their actions before they take, neither did they see me human enough to reconsider and resolve it.
Product: Money transfer, virtual currency, or money service

Im made three transactions for a rental property on XX/XX/XXXX, XXXX, and XXXX, in the amount of {$1300.00} ( total {$4000.00} ). The listing was fake. I made the payments through XXXX @ ( XXXX ), in which went to a Chase bank account. I have submitted evidence of Scam to my bank ( XXXX  XXXX XXXX ). Chase bank claims they cant not return my funds, even after proof of Scam from account holder has been submitted. My bank has informed me that Chase Bank replied to my claim, they cant release any other info to me, and they denied request to have funds sent back
Product: Credit reporting, credit repair services, or other personal consumer reports

Aidvantage XXXX XXXX XXXX XXXX XXXX have a copy of my bankruptacy petition and the discharge from aboiut two decades ago and thei can't tell me if the amopunts on my credit report are accurate. 

I went with the consolidation under teh Obama Administration and loans were consolidation. I had and have no idea if loans covered by the bankruptacy are removed. 
I am getting no assistance but I know the numbers are likely wrong and I am struggling getting information from teh National Student Loan Database.