23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer to 18 U.S. Code 242- Deprivation of Rights under color of law.

Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.

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 famish an account without my written instructions.

1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation of not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's a forgery and misleading when the courts do not report this type of account. 
XXXX XXXXXXXX Bankruptcy ( XXXX ) Case Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several frauds/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Transunion furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Transunion resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information reported on my credit file. These names, phone number and addresses are not associated to me. 

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

I am writing to dispute the following accounts that are listed on my Equifax credit report : XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Opened XX/XX/XXXX & Account # XXXX Opened XX/XX/XXXX I do not owe these debts and I have never authorized anyone to open these accounts in my name. I believe that these accounts are the result of identity theft. 
there are no variations to my name it should only be reported as " [ XXXX XXXX XXXX XXXX '' and the only address that should be on my credit report is where ive been living for XXXX years never lived anywhere else " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  new york XXXX I have submitted a dispute to Equifax , but I have not received a debt validation letter from the debt collectors. I have also tried to contact the debt collectors directly, but I have not been able to get in touch with anyone.

I am requesting that you immediately remove these accounts from my credit report. I am also requesting that you provide me with a debt validation letter for each account.

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA gives me the right to dispute inaccurate or incomplete information on my credit report. I also have the right to be free from fraud and deception in connection with the use of my credit information.

I am enclosing copies of my driver 's license and a recent utility bill to verify my identity.

I am requesting a response to this letter within 30 days. If I do not receive a response, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX ] I hope this helps!
Product: Credit card or prepaid card

Wells Fargo opened a credit card under my name which i never applied for. Wells Fargo charged my account fees for that credit card. Wells Fargo ruined my credit by opening a credit card and opening accounts under my name which were never authorized.
Product: Credit reporting

Hello, A subscriber to Equifax, XXXX or XXXX Loan Servicing, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX ( XXXX XXXX XXXX v. XXXX, et al.XXXX, XXXX New Hampshire XXXX, No. XXXX, and XXXX v. XXXX ). 

I ask Equifax that the inaccurate information be removed as their subscriber has failed to respond. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below is the account with erroneous information. XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$24000.00} I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Product: Checking or savings account

On XX/XX/XXXX, I initiated a {$220.00} withdrawal from my bank account in order to deposit onto a platform called " Exodus XXXX. '' This withdrawal posted to my bank on XX/XX/XXXX. 

Immediately after making the deposit into Exodus, I watched my {$220.00} balance disappear, right before my eyes. I then saw my account reflecting a {$0.00} balance, despite that deposit. As such, I made contact with Exodus ' support team, who informed me that my account was hacked/compromised, as someone had immediately sent the funds to a different crypto wallet. They explained they were opening an " investigation, '' but that they could not refund me my money. To best help myself, the Exodus support team told me to file an Internet Crime Complaint with the Federal Bureau of Investigation, which I have done. The Exodus support team, when advising as to how I can obtain my funds back, instructed me to file a dispute against the payment processor that they work with ( XXXX ) through my own bank ( XXXX XXXXXXXX XXXX. ) I have a copy of the FBI report and a copy of my conversation with the Exodus support team. 

I filed the dispute against the XXXX charge through my bank, as instructed by XXXX ' support team. Today, I heard back from my bank via mail. To my dismay, my bank informed me that they received a response from XXXX, being that XXXX is not interested in honoring my dispute or refunding me the money which was stolen from me. The supervisor I spoke with at XXXX is named XXXX XXXX. XXXX explained to me that because XXXX is not in agreement/cooperating with my side of the dispute, that I will be out of the money and it will be taken from my bank account on XX/XX/XXXX. 

I explained to XXXX that I don't even have the money in my account to cover this as of today ( XX/XX/XXXX ), and he explained that there was nothing he could do. XXXX suggested that I file a complaint with a government body, so that is why I am filing my complaint here with you, CFPB. My experinence has beyond disappotining and frankly, scary. I feel very unprotected and unvalued by Exodus and XXXX XXXX Bank. 

Throughout my experience, I have only followed the instruction of the Exodus support team, the instruction of the FBI 's ICC guidelines, and the instruction of the disputes team at XXXX Bank. Exodus and XXXX seem not to be interested in making things right by advocating for the consumer ( me ). I have never filed a CFPB complaint - I felt I needed to do so this time because I am at my wit 's end trying to advocate for myself. 

I am extremely hopeful for your help in recovering my funds and therefore keeping consumers protected from situations like this. 

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

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$5500.00} DTEDXXXX XXXX {$0.00} DTEDXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$4500.00} XXXX XXXX {$0.00} XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} XXXX  XXXX {$80000.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYXXXX
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX took XXXX out if my bank account then again on XX/XX/XXXX they took another XXXX out then on XX/XX/XXXX another XXXX these withdrawls where unauthorized i never approved any of these transaction soon XX/XX/XXXX i contacted the bank to make them aware of the unauthorized transactions they took the information and filed a dispute against the mechant however on XX/XX/XXXX i called to check the status of my dispute and was told my dispute was denied because they called the merchant and the zip code on file with them matched the zip code the had so it was no way that the transactions where unauthorized and it doesnt make sense cause my id was also taken along with my debit card number ending in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has double reported accounts on my credit report. I had five active loans last month after paying on them for 5 years. Recently, Experian notified me about increasing loans and total value. I filed report # XXXX with Experian and contacted XXXX . This was done early on XX/XX/year>2024. I was given a resolution that the doubled accounts shown would not be removed. This has negatively impacted my credit and will make credit harder to get and cost more. Further, facts dont align as Experian shows that XXXX hasnt reported up to date facts since XXXX of 2024, but I just recently had the duplicated loans showing on my credit report. This is shown on the attached picture.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the account listed under XXXX XXXX XXXX  on my credit report. I previously requested verification of this debt from Equifax, but I have not received the requested documents, specifically a signed contract bearing my signature or any other supporting documents related to this alleged debt. Under the XXXX and the FCRA, I am entitled to receive verification of of any debt claimed against me. Since XXXX have not provided me with the necessary documents to substantiate this debt, I request that Equifax remove XXXX XXXX XXXX from my credit report. As per federal law, if a debt can not be verified, it must be deleted from my credit report and without proof of such an agreement, therefore is no basis for this account to remain on my credit report. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have contacted the three major credit reporting agencies ( Experian, XXXX and XXXX ). I informed them that they had incorrect information. My name was misspelled, they had aliases that I have never heard of. So much negative, misleading and false information that I would like removed. 

They have ignored each one of my letters with my request for them to validate and remove all negative information. I also provided my license and proof of address. Yet, they still ignore my requests
Product: Credit card

I believe that my social security number was stolen. I started to receive multiple letters from different credit card companies saying that my application was denied. Later on at the end of XXXX I saw through XXXX that someone had opened a capital one credit card and charged {$2800.00} in my name.
Product: Credit reporting or other personal consumer reports

This debt was placed on my credit file without prior noticed. I have disputed this alleged debt requesting that your company provide me validation of this debt. 
Your company has failed to comply. If you can not validate this debt, I demand you to remove this debt from my credit report. this is causing damages my reputation. I have read FDCPA, and come to notice that you are in violation of many of my federal protected consumer rights. I also did research on the company and found in many cases you all were sued for this same very season that is a violation of my rights. I demand you remove this account from credit/consumer report immediately if you're unable my validate this alleged debt based on the FDCPA Requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Debt collection

I have contacted ARS numerous times asking for signed proof this charge belongs to me. They have never sent me anything showing proof. This charge is not mine and I would like it removed at once from my credit report. They can not provide me with any original paper work, signatures or ID copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. XXXX XXXX, Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not reporting collections correctly. There is a collection on the Transunion side this no showing correct information such as proper amount and name of the collection agency. I checked the XXXX side on XXXX XXXX and got the name at least. The amount is still incorrect and this shouldn't even be marked as collections. On XX/XX/year>, there was a court judgment filed. ( see attached ) the amount is {$990.00} + {$50.00}. That would be {$1000.00}. No payment plan and no interest. That is on the Judgment. This needs to be corrected and removed from collections completely. I tried to dispute the Transunion ( still in dispute ) but can not upload any documents. I checked my XXXX and there are no collections at all to dispute ( XXXX direct site is correct ), so XXXX XXXX is improperly reporting that on their account on their end on the XXXX side. I checked and XXXX XXXX run a soft reports on my XXXX ( document attached ) and they can see the proper information to report. They are just not doing so. There is no way to dispute this information directly with XXXX XXXX with documents. Transunion also is not providing me with my credit report for free so I can check with them if they are properly reporting on my credit account, which I am allowed one per year. It shows completely blank. ( See attached ) They also want me to buy my credit score which is all so weird. I can't check anything on my credit report directly through TransUnion website.
Product: Credit reporting or other personal consumer reports

The XXXXXXXX XXXX have been monetizing and defaming my character through the use of wrongful reporting of inaccurate accounts on my consumer report that they have not validated and have no proof actually are valid debts. I have previously written to the CRA 's XX/XX/24 and have not heard anything in response to my request. Since I have reached the 30 day mark that they law allows I will be initiating my federal lawsuit if I do not get the requested remedy within the next 14 days.
Product: Debt collection

as i obtained a copy of my credit i notice accounts that was n't mine. I reached out to XXXX to dispute the accounts. later to find out that XXXX sold the account to two different collection agencies ( which both is reporting to my credit for the same thing one is just {$1.00} more ). I disputed the accounts with XXXX XXXX and Enhanced Recovery Corp ( which is the two companies ) but it has not been removed from my file. This has been going on for months and the credit bureau has yet to correct my file.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. 
( Block , Inc . ) due to inadequate. customer service and unfair practices, which violate the consumer financial protection act. ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent an 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. ( EITA ) and regulation. These actions have caused significant inconvenience and financial loss and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account associated with XXXXXXXX XXXX that has been reported on my credit file. The account number in question is XXXX XXXX - XXXX for {$1200.00}, and it has been listed on my credit report with XXXX, Experian, and XXXX. 

This account pertains to a maintenance fee for a timeshare that I have already paid in full. The timeshare purchase itself was settled, and the maintenance fees, which are billed annually for the use of the property, were for services I did not utilize. It is inappropriate to charge and subsequently report these fees as collections when they are tied to a service I never used. 

It is apparent that XXXXXXXX XXXX XXXX empowered the collection agency to use credit reporting as a coercive tactic to force payment, which is manipulative and unfair to consumers. My credit score, which was previously around XXXX, has dropped to XXXX because of this collection account, despite my prompt payment of the full amount as soon as I was notified. This substantial drop in my credit score is unwarranted and unjustified, particularly when the fees in question should not have been sent to collections in the first place. 

Furthermore, it is clear that the credit bureaus rely on simplistic algorithms and superficial first-level reporting, rather than conducting a thorough investigation into disputes like mine. The process unfairly favors merchants and collection agencies, and in this case, has allowed an illegitimate debt to harm my credit standing. The failure to properly investigate disputes, instead relying on automated systems, undermines the fairness of your services and puts consumers at a disadvantage. 

I respectfully request that you re-investigate this matter, remove the derogatory mark from my credit report, and ensure that such predatory practices by XXXXXXXX XXXX XXXX and their collection agency are not allowed to persist. 

If this issue is not resolved promptly and fairly, I will have no choice but to escalate my complaint to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

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

Sincerely, XXXX XXXX
Product: Credit card

On XXXX XXXX Chase allowed someone to go online an use a known fraudulent email and telephone number to change my wife 's [ XXXX XXXX XXXX ] password and enter her checking account at XXXX XXXX XXXX. Chase did not notify her of this change. 
{$12000.00} was taken between XXXX XXXX and XXXX XXXX 2016 all of the payments where sent through a Chase credit card EPAY system and all were in +/- {$2000.00} amounts.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX  someone applied for a credit card on my behalf with XXXXXXXX XXXX XXXX. I never did this application and now there is a hard inquiry on my credit report. I called the bank and withdrew the application and called all 3 credit bureau to freeze my credit access and put fraud alert.