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

On or around XXXX XX/XX/XXXX XXXX returned the results of an investigation regarding the payment history and account status for a XXXX XXXX in my credit file. In my original dispute I pointed out the inchoate nature of the alleged payment history, alleged charge-off, and alleged Date of First Delinquency. The results of the investigation provided a new set of payment history, charge-off status, and date of first delinquency that is different, but equally inchoate. I filed CFPB complaint XXXX with XXXX and CFPB complaint XXXX with Experian on or around XXXX XX/XX/XXXX. I have disputed with Experian directly regarding the issue on XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX conduted a reinvestigation and generated results on or around XXXX XX/XX/XXXX. Experian last conducted a reinvestigation and delivered the results on or around XXXX XX/XX/XXXX. Both Experian and XXXX now report the same inchoate payment history, inchoate charge-off remarks, inchoate charge-off status, and inchoate date of first delinquency. XXXX claims they are not responsible in their XXXX XX/XX/XXXX response to CFPB complaint XXXX, " Please understand that XXXX is responsible for providing this information to the credit reporting agencies ; however, the credit reporting agencies have their own policy for reporting the information that is displayed. '' On or around XXXX XX/XX/XXXX XXXX responded o CFPB complaint XXXX, alleged payment history that neither matches the history as reported by Experian nor XXXX payment history reported by XXXX. With Experian and XXXX having both conducted an investigation that provided a set of rsults, and at least XXXX ( XXXX ) renvestigation from each that provided verbaitim incorrect results, and a different set of results than that of the prior investigation, Experian and XXXX know or have reasonable cause to believe the information is false/misleading/inaccurate. It is patently erroneous and does not meet the maximum possible accuracy standard under 15 USC 1681e. At this point the investigation and re ( investigation ) process has demonstrated an inability to generate accurate information for the account/tradeline. Thus I am now asking for relief that removes the payment history for all months in XXXX and XXXX and that XXXX be blocked from providing any additional information for the account/tradeline.
Product: Credit reporting or other personal consumer reports

XXXX. Detailed history of payments made by me on this account, XXXX. Original contract with my signature claims filed on this debt. 
XXXX. Have there been any insurance claims filed on this debt XXXX. The Purchase Agreement XXXX. Proof of the chain of title you have to collect
Product: Debt collection

The reported balance is {$4200.00} and thats incorrect. This debt is too old.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand the immediate deletion of the account associated with Harris & Harris that is being inaccurately reported on my credit report through XXXX XXXX and XXXX. 
This account is not mine, and Harris & Harris is a debt collector, not the Original Creditor, as incorrectly listed. This misrepresentation violates the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit reporting agencies be accurate and verifiable. 

Additionally, it appears that this account was not properly verified or investigated prior to being added to my credit report. This failure to ensure accuracy and compliance with the FCRA has caused significant harm to my credit profile and must be rectified immediately. 

Failure to address this matter promptly will result in further action, as this incorrect reporting violates my rights under the FCRA. 
Please take this matter seriously and ensure the appropriate corrective action is taken immediately.
Product: Money transfer, virtual currency, or money service

Cashapp never solved any of my issues. My account was closed without warrant. Making me lose money and money went unaccounted for.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My credit reports a repo of a truck that was charged off by XXXX XXXX due to me being carjacked.
Product: Mortgage

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with my social security number. This debt is not mine. I have enclosed proof of my identity. 
In accordance with the fair Debt Collection Practices Act, I Am asking you to stop proceeding against me and stop communicating with me about this debt, except as the fair credit Reporting Act allows. I also ask that you notify the Aurora mortgage loan agency and tell the debt is in result of identity theft. 
XXXX XXXXXXXXXXXX ( XXXX )
Product: Debt collection

Re : XXXX Credit card number : XXXX XXXX XXXX XXXX Credit Card Holder : XXXX XXXX Based on the Fair Debt Billing Act ( FCDB ) I disputed unauthorized charges totaling {$9700.00} on my credit card account number referenced above. I requested that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. These credit card charges took place in a period of five days ( XX/XX/XXXX-XX/XX/2018 ). Upon discovering these charges, I immediately reported them to XXXX and my account was closed. These charges were done online and XXXX is not able to provide proof of debt. Instead, they just provide the billing statement as proof of debt. I've written to XXXX twice, regarding my dispute of these charges. The written disputes were sent on XX/XX/2018 and XX/XX/2018 to : XXXX XXXX Customer Service Attention : Fraud Department/disputed chargesXXXX XXXX XXXX XXXX, SD XXXX. To this date, my account has been sent to collections and my credit reporting has been impacted. 
I am in desperate need of your help. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2022 My bank rejected my payment of {$2300.00} because they didn't used my bank account number according to my bank. 
Interest charged on that payment {$44.00} + returned check charge or late fee {$25.00} Gave Comenity Credit card my bank numbers and thought it was fixed. 

XX/XX/2022 Sent payment {$3600.00} to cover the XXXX + more added to the my account after the XX/XX/2022 It bounced like the first time but I was watching and called Comenity Credit card and got it fixed. They still didn't fix my bank account numbers even though this would be the second time I gave them to Comenity Credit card. 

XX/XX/2022 submitted extra payment of {$98.00} and I had to call and fix it with XXXX Credit card. 

XX/XX/2022 submitted extra payment of {$120.00} to clear my credit card as I was giving up and going to let the card and Comenity Credit card see if they could fix things. The payment bounced and I called and they took the payment over the phone. 

I have always paid off my credit cards over the years with each bill. I never carried charges from XXXX month to the next. All of the extra payments were amounts for current purchases to clear the card. I no longer could keep getting put through the wringer and being treated like a dead beat. My personal Bank could not believe what was happening to me. I then canceled the card because I was advised that it looked like this company would never fix their error. The proof is they took over my XXXX XXXX XXXX XXXX card that I had for about 15 years with auto deduction from by bank each month and never a bounced payment. 

They also didn't let me take the {$66.00} points money from the XXXX card when they took over.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN A VICTIM OF IDENTITY THEFT SOMEONE WHO STOLEN MY IDENTITY APPLIED FOR CREDIT CARDS THAT IVE NEVER AUTHORIZED IVE REPORTED THIS TO THE FEDERAL TRADE COMISSION AND I DID A POLICE REPORT AND THE FRAUDULENT INQUIRY ARE LISTED BELOW XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022 XXXX  Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a complaint because the Credit Bureau TransUnion has not followed through with their 30 day policy. I have not heard any response from the Credit Bureau. I have sent out a dispute letter on XXXX because there are false information in my credit report. I should have heard from them by now. Which I have not. Below are the account I am asking to have be dispute. 

XXXX XXXX {$590.00} account number : XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, XXXX and Transunuion credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal credit card accounts opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ), XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX and XXXX XXXX XXXX  opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX and XXXX XXXX XXXXXXXX opened XX/XX/XXXX An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ) and XXXX personal loan accounts at XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX and XXXX XXXX XXXX opened XXXX XXXXThese accounts have resulted in several fraudulent charge offs appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft
Product: Debt collection

I have been asking Portfolio Recovery Associates for a hard copy with my signature for this debt as of now they have not complied with that information.
Product: Debt collection

I have recently obtained a copy of my credit report and have noticed the following inaccurate account and unverified. This incorrect account is negatively affecting my credit rating and causing unnecessary financial strain. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

Company name : Credence resource management Date : Reported XX/XX/year> Amount : {$840.00} Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX Account Number:XXXX****, XXXX  XXXX  Account NumberXXXX, XXXX XXXX IN Account Number:XXXX****, XXXX XXXX Account XXXX, XXXX/XXXX Account Number:XXXX****, XXXX XXXX  Account Number:XXXX, has violated my rights 15 U.S.C 1681 Section 602 A.

States I have a 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 instruction.
Product: Debt collection

A lawsuit was filed against me and my husband by a property management company and the case against us was dismissed in court. We have court documents to prove that and have sent them to the collections agency but they will not drop the collections even after I spoke to the court which sent me two more copies stating the case was dismissed and nothing is owed which I sent to the collections agency. The collections agent was rude even after seeing the paperwork and tried to intimidate me about the loan being interest bearing. 

This company goes by Genesis credit collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently submitted XXXX certified letters containing police reports, identity theft affidavit, and a signed document from the XXXX XXXX XXXX # XXXX. To notify your that I am a victim of identity theft, and that the accounts they are reporting on my credit files are fraudulent. They keep ignoring all the police report and putting unknown accounts on my credit files. 
They have recently deleted some accounts and then added them back to my credit files. I have sent several notices from the companies that these accounts are indeed fraud. Yet they still report them. 

Creditor : XXXX XXXX Account # : XXXX Balance : {$0.00} Creditor : XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00} Creditor : XXXX Account # : XXXX balance : $ {$19000.00} Creditor : XXXX XXXX Account # XXXX XXXX : {$430.00} Creditor : XXXX XXXX Account : XXXX Balance : {$230.00} None of these companies have my accurate personal information. All of theses creditor did not have authorization from me to obtain any credit accounts. 
After I carefully contacted each creditor no credit has accurate information to report anything on my credit files. 

The names are misspelled, the address are fraud I never resided at any of the addresses on file. 

All of my consumer statements have the wrong information in it. I have contacted these bureaus to inform them of theses identity theft issues, but my efforts are being ignored by these companies. I have no knowledge of these accounts, nor the fraudulent information they are reporting to my credit files. They have been violating my consumer rights and making my life difficult. I cant even use my own personal information because these companies are basically reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

Equifax is in violation of code 15 US $ XXXX. even after I notified them that I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

Kindly update my account this causing me a lot of XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has filed a lawsuit against Experian for their systemic failures to accurately report and investigate, but rather rely on unverifiable information. Experian has not corrected nor removed this incorrect negative reports on my report. I am requesting immediate action as this violates my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This complaint is in response to CFPB complaint XXXX. XXXX XXXX XXXX XXXX XXXX responded to my dispute of account XXXX on my credit report stating that they disagree with assertion of incorrect reporting The company stated that they mailed me on XX/XX/XXXX, but I received no such notice. The company also alleges that the account was charged off on XX/XX/XXXX, and the current balance owed is {$420.00}, but I contacted the original creditor, and they could not validate this accusation. Lastly, XXXX XXXX capital never sent proof of their license to collect debt in the state of Texas. I am not liable to pay this company and their claims do not support the information received from the original creditor XXXX XXXX XXXX. Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Remove this account from my credit report immediately XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Back in early  XXXX  I moved to a different area and had  XXXX   XXXX . When I found out  XXXX  could not service my new address I canceled the contract. Knowing that if they could not service my address the contract would be void, I was not worried about paying out the contract. I also had a conversation with a  XXXX  representative that confirmed the same. About  six months down the road   XXXX  with  XXXX  {$850.00} from my checking account without any prior consent or knowledge. They claim that that was the balance of the contract. I contacted them to dispute this since they could not service my address and a representative told me that that must 've been a mistake. However, the only way I got my money back was filing a dispute with my bank. I won the dispute got my money back and all was fine. Then, In  XXXX  I went to buy a home was preapproved to build a house. On the final days they had to pull my credit report which would 've been early  XXXX ,  XXXX  had sent that balance of {$850.00} to a credit reporting agency, dropping my  credit score . It is now placed on my credit report as money owed which clearly I want my dispute and should not be on there. It is falsely on my credit report. I would like to get it removed immediately before I decide to take some other kind of action. Would you be able to help me with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filling a complaint because Ive noticed trans union, XXXX, and XXXX are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to obtain, furnish, and report completely false and inaccurate information on consumers report without maintaining XXXX percent accuracy. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights.We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining XXXX percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Secured credit card was opened with XXXX bank in XXXX. Account was opened fraudulently. The account began reporting as charged off in XX/XX/XXXX. From that point until XX/XX/XXXX, the account reported as a charge off. On my credit report, it is reported as XXXX charge offs for the amount of {$9.00}. XXXX is only reporting this account to XXXX and Equifax, not XXXX  ... Ive reached out several times to XXXX to tell them of the error. I have filed complaints and challenges previously as this issue has become extremely burdensome.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS PETAL CARD XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 the information is inaccurate
Product: Vehicle loan or lease

I contacted Santander about the account and asked about the several times i have asked for the debit to be verified I also advised that I wanted to Rescind said contract due to false and misleading practices used I was advised that my contract was not going to be settled and i am the one who is going to pay it I advised the employee/supervisor of the laws being broken and that the said debit was not verified and that I can rescind alleged debt / contract she advised me that that will not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been banking with Huntington Bank for a few years now. 
When I open a business account I was promised a XXXX $ payback for the account if I opened and paid off the credit card quickly. Needless to say, I never received this money back and past the point to care. 

What I am upset about is I have been paying gon this card more than the recommended amount and maybe a day late never much more ad they have unannounced pulled my credit info twice now to lower the amount without my authorization. 
What it is, is they are seeing what I am moving around with my other accounts and because I do not pay off their amount first, they are dinging my credit score to lower the amount.

Unacceptable by any bank to do this without any announcement.
Product: Checking or savings account

On Friday, XX/XX/2019 at approximately XXXX XXXX, I went to the Well Fargo branch located at XXXX XXXX XXXX, XXXX, CA to deposit {$1400.00} in {$100.00} bills into my savings account. The teller was a fast talking and distracting con artist who only deposited {$600.00} into my savings account. I reached out to Wells Fargo with a claim. They have denied my claim. I would like to have an impartial agency review the case and to be provided with an audio transcript of the day in question.