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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX ; XXXX  XXXX Balance : {$13000.00}.
Product: Checking or savings account

Vystar credit union launched new app and website. Took old down. Systems were supposed to be down 3 days. Going on 5 now with inability to access accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a dispute to Experian on XX/XX/20 for account XXXX/XXXX XXXX listed on my credit report that is charged off. I received the results of the investigation and was notified that the account was accurate. This account was not opened by me nor did I authorize anyone to open this account in my name. I previously contacted XXXX/XXXX XXXX asking for a copy of the application or something with my signature on it and they have not been able to produce anything. Instead they sent me a bill with my name on it. I ask how were you able to verify that this account is accurate? I would like to see what XXXX/XXXX XXXX has produced to you proving that the account is mine when they were not able to give me anything. There are also inaccuracies on how this account is being reported. The FCRA states that all accounts need to be reported 100 % accurately. First XXXX/XXXX XXXX is not reporting that they sold this account to a collection agency, which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  by phone and they reported that the account was now with them. Second it is being reported that a past due balance of {$450.00} is owed to XXXX/XXXX XXXX. How is it a balance owed to XXXX/XXXX XXXX  when they sold the account to collection agency XXXX XXXX Solutions? There should not be a balance on a charge off account that was sold to a collection agency.
Product: Money transfer, virtual currency, or money service

Send an they didn receive but it was the correct infom
Product: Mortgage

XX/XX/2022 {$14000.00} was paid to OnQFinancial from the XXXX program for COVID19 help. They are unable to tell me where the money was applied. It has been months. This is the second complaint I have filed. They do not return phone calls or emails. I have been on transferred up to 6 different people during a call with no resolution. I am on hold for up to 2 hours at a time. This is poor management and harassments. They are refusing to apply 2 payments made prior to the money sent in XXXX. I received a letter stating they would be returning it. I have never received it. I had my roof repaired and they are punishing me for a " status '' that they can not hold up to or define. This has been going on for 2 years now. I want it fixed. Please help. 

It's my belief this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Four accounts that are closed and I would like for them to be removed off my credit report and a collections that I dont have any knowledge of is also incorrect on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S dept XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX sent me XXXX dollars from her XXXX  account. And on XXXX XXXX XXXX created a claim for asking the money back. And on the day my zelle on the wells fargon was suspended because XXXX XXXX 's operation. XXXX XXXX said this transaction was fraud but actually it is not. XXXX XXXX knew me. XXXX XXXX is paying for my wedding planning service. Since we have contract and I agreed her requirement. I returned the money XXXX dollars back to XXXX XXXX 's XXXX from my friend 's XXXX  account. ( because at that time I can not use my XXXX  ) I contacted my bank wells fargo many times to resolve the problem ( reuse my XXXX  ). They keep changing the word. And never helped me resolved the situation. I still can not use my XXXX  from the wells fargo since XXXX ( almost 2 months ). And now they asked me to call XXXX XXXX 's bank to ask a delete letter. I don't know how to do it and felt very ridiculousThe most funny thing is I asked to complain on the wells fargo. And I received the email from the department said my case very closed and I can call the customer service to reactivate my XXXX. I called today, the customer service said my case is still there and I have to ask for a delete letter to reuse my XXXX.. I felt what wells fargo did is very unprofessional. As a customer, I felt like they didn't help me at all. 

I have my case id : XXXX. And I will attach the transaction screenshot at below.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed are fraudulent someone use my social security number and photo id to open these fraudulent accounts in my name i have made criminal complaints with local and federal agencies I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XXXX mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX  Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due  process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has an address for me in New York. I have never lived in New York. That address belongs to XXXX XXXX XXXX. Current location unknown.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 15 USC 1681 section 602a. Starts I have the right to privacy. 
15 USC 1681 section 604 a. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency May 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 antedated the report by more than seven years.

15 USC 1681a-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 what would be a fair resolution to this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for a freeze numerous times and SageStream did not respond nor did anyone answer the phone. Their office is a ghost town.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over 34 days later I have not received a response, yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 34 days gives a reason to immediately remove those items from my credit report. It has been over 34 days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Sherman Anti Trust Act, regulates Trusts & Business Conglomerates. 

Estates & Trusts, land and property being held, & " used. '' A Trust was once a Common Law, Law of Precedents, one previous decision, weighing on the next, using a Judge only, weighing, " right from wrong. '' The XXXX XXXX County Court House, dismantled & converted to state statutes only, with no foundation of any Trust except Statutory Trusts. A Successor Trustee who is liable and competent can not " appear '' for the XXXX XXXX XXXX XXXX XXXX XXXX, which is still held on XXXX XXXX XXXX, as casino run off of XXXX XXXX, XXXX XXXX, S.D. with hundreds of other defunct Trusts, failed XX/XX/XXXX. Congressional Indenture Act, Corporation actings as Trustee , Securities & Exchange Commission, ( Conglomerate ) failed XXXX XXXX XXXX. & another completely different EIN, and fictitious name Wells Fargo & Company, as XXXX XXXX XXXX XXXX. EIN XXXX went inactive and now not valid, and failed hundreds of branches in 40 USA states, and hundreds of other business using that EIN number. 
As some-sort-of-Conglomerate, they did not honor their own failure and they plead that they use non existent persons employed un gainfully as XXXX XXXX XXXX already since XXXX, and have no contingency plan, and owe me {$330000.00}, and shouted to the State of CT. they will or can not pay, and they have to all be picked up as non existent and have no  use of the criminal justice system at all. 
They can receive XXXX XXXX, and be " straightened out '' at their own expense to delay their disposal.
Product: Checking or savings account

I received a letter from the IRS on XX/XX/2022 stating there was a possible employment related identity theft. I placed a fraud alert on my account. I then received two letters from USAA in, but the letter was dated XX/XX/2022. They were both a notification of bank account closure. I have never opened an account with USAA. I called the company, and they wanted my social security, which I did not give because I was very uncomfortable. I believe there is fraud on my account, and someone other than myself opened two USAA accounts under my identity.
Product: Vehicle loan or lease

Date of car pay off : XX/XX/XXXX. Name of auto : XXXX XXXX XXXX Name of lender : American Honda financial center. Amount Paid : {$31000.00} Based on dmv website, after pay off the loan, the lien holder must notify that dmv about the lien holder financial satisfaction so that the dmv will process the title on our names and they need to do it on their website connected to dmv because Nevada is electronically filing. Once dmv received the update info, the dmv will automatically send the title to us. But until now ( XXXX XXXX ) they never update the dmv about the full payment and they dont want to give us a lien released letter and a letter tells that they are no longer interested ( with full description and vin no of the car, and with their name and signature of a lien holder ). They said that they are waiting for a title before they can release it. The thing is how the dmv will process it if they did not notify the dmv that the loan is paid off. They are not updating the dmv for the pay off and dont want to issue a lien released letter with notarized.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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. 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Credit usage 96 % Balance {$3100.00} Balance updated XX/XX/XXXX Credit limit {$3200.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX - XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open. {$130.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$130.00} Highest balance {$4000.00} Monthly payment {$66.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX Ive done 2 disputes with the credit bureau and waited 30 days each time for results. No results were given and even after disputing with the cfpd I was told I will get a response in 60 days. By law under XXXX  Federal Fair Credit Act .I am to get a response with in 30 days of the date I sent the letter to the bureau for investigation. They company only had 30 days to prove any accuracy or remove entirely from my report. If these laws are violated i due monetary compensation of {$1000.00} per item They are also in violation of Fair and Accurate Credit Transaction Act of XXXX
Product: Vehicle loan or lease

XXXX preapproved for auto loan with XXXX XXXX auto navigator went to car max to purchase vehicle and was approved but was told I got denied because of not enough down payment so shopped more at dealership found more expensive used car ended up walking away because they wanted to much down payment. I shop at XXXX more dealerships over the month and in the end got denied because of to many inquires. I call XXXX XXXX cause I was concerned with the inquires and with the fact I went in there pre approved so why so many inquires come to find out the first car I applied the numbers were off by XXXX dollars if I would if upped my down payment by that amount I would if gotten car on terms advertised with XXXX XXXX. Dealership did not mention this and tried to sell me a different car. 
I find all this out after I went back to dealership and confronted them about it. I would of had car I wanted if dealership informed me of situation instead of selling me a different car now nobody w to ll sell me a car and Im stuck in a loan now with high interest and worse credit score. Also o never told dealership to shop for loan because I already did and went to them assuming they were working on my loan approval not entirely diffident bank altogether
Product: Debt collection

I made my monthly student loan payment to navient in the amount of {$120.00}. Navient fraudulently added that my payment was not made. Payment was made onXX/XX/2021 and mailed that day. Money order was provided by the us postal service serial number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX  ACCOUNT WAS TRANSFERRED ON XXXX XXXX XXXX. TO XXXX XXXX CARD PROGRAM. THE CORRESPONDENCE ADDRESS IS XXXX CARD PROGRAM XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THE PHONE NUMBER IS XXXX. 
IN MY CREDIT REPORT IT SHOWS I HAVE A BALANCE OF XXXX. I DISPUTE THIS. MY BALANCE IS XXXX XXXX. WHEN XXXX WAS TRANSFERRED TO THE XXXX XXXX CARD PROGRAM MY BALANCE WAS XXXX. SOMEONE SHOULD HAVE UPDATED THE TRANSFER AND BALANCE IN XXXX. AS OF NOW, MY BALANCE IS XXXX XXXX. THERE IS NO REASON XXXX TRANSFERRED ACCOUNT SHOULD SHOW A XXXX BALANCE IN MY CREDIT REPORT. XXXX XXXX CARD PROGRAM SHOULD UPDATE THIS INFORMATION IN MY CREDIT REPORT.
Product: Student loan

I reached out to XXXX XXXXXXXX to retrieve my unofficial transcript on XX/XX/XXXX and was told there is a hold due to an outstanding balance. They notified me the balance is from XXXX, for {$1400.00} and this is my first notice of the over due balance. I received XXXX during my attendance to the school and should not have an outstanding balance of any kind. I am determined to go back to school, my major has changed and I need that transcript for my future and to withhold it from financial hardship is unfair to me. I offered to do a payment plan even though I shouldn't owe the balance and they still said they wont release my transcript. I have never been notified of the over due balance and they state they already sent it to a collector. I reached out to Aid Advantage the servicer of my loan and they said I do not owe a balance until XX/XX/XXXX. At this point I am confused as to how a school can hold me from my future. I just want to succeed.
Product: Credit reporting or other personal consumer reports

XX/XX/year> [ XXXX XXXX Bank XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX, UT XXXX Subject : Final Request for Deletion of Inaccurate Charge-Off Account # [ XXXX ] To Whom It May Concern, I am writing to follow up on my previous disputes regarding the charge-off listed on my credit report under the account # [ XXXX ]. Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. 
I have provided a 1099-C form which confirms that the debt associated with this account was canceled. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file.

The continued presence of this charge-off is inaccurate and non-compliant with the law.

I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response. This is my final request for the removal of this charge-off. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for non-compliance with the FCRA. 
Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file. 
Thank you for your prompt attention to this matter. 
Sincerely,