23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The information presented in credit report looks like I 'm in a bankruptcy situation. That 's not true. The following are my current situations : I paid almost all of my account off ( only one left ) ; I have a student loan with no obligation to make payments, I 'm still at school XXXX ; I 'm a co-buyer of our house. I am not the primary buyer. MyWife 's income is count off e.g. It looks like again that I pay the house on my own. That 's not real ; The report said that I have a car loan again I am married I do n't pay only on my own. 
When I called on my own the collectors agencies to pay my debts off a way to show commitments to comply to my debts the credit bureau block me to have a credit. Is that did n't pay was the best thing to do? I do n't think so. 
Please, I would like you to look back my situation and allow me to get back in the system like a responsible US citizen because hardships can happen to anyone.
Product: Debt collection

today, XX/XX/2018 my banks accounts were levied by XXXX XXXX XXXX. I spoke with many people who would not give me any information. This was addressed a long time ago. I do not recall when. I had my credit cleaned of any outstanding debts years ago. I pulled my credit and this was never on it. anyway, I spoke with XXXX XXXX and said to her this is not right. she said " the burden of proof is on me ''. My husband spoke to someone a couple months ago asking for money. he said send us the proof. we never received anything. I also spoke with XXXX XXXX who gave me a hard time giving me a physical address. he finally did I asked for a supervisors/manager name and he told me there really is no one to address it to.i have a levy for XXXX in which the held approx. XXXX. I have bills going to bounce. this my money. I have children to support. I worked hard to pay my bills. this is fraud. please help me get my money back. there address is XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX phone number XXXX my name is XXXX XXXX XXXX
Product: Mortgage

We applied for a mortgage with USAA. They repeatedly lost documents we sent to them. They sent us confusing and conflicting requests. For example instead of saying 'can we have a lease agreement for your rent ', they asked us for bank statements, then those bank statements were n't good enough, then they asked for a letter from the landlord, not good enough and so on. This happened with pretty much every bit of requested information. Their 'notice of incomplete application ' was inaccurate as it included many of the things we already sent. We would try and call 20+times a day and got no answer. They could n't read XXXX orders ( despite being a bank for service people ), they could n't read the condo pack that contained the flood insurance and instead claimed we failed to purchase it. As the Power of Attorney for my fiance as he is at sea and has sporadic internet connectivity I was not contacted ( despite chasing the application up for weeks ) until 5 days before the notice of action was due to expire. I asked for management to contact me, they refused. I reported it to Social Media, who apparently escalated the complaint but it was ignored. Finally I got in touch with a wonderful man who processed my complaint and also went through my application and realised that we had everything that was being asked for ( most of it was forwraded again as they had previously been sent but misplaces, misfiled or misread by the processors ). It was the last day to get everything signed off before the application would be closed. The manager of the processing team assured this agent that she would call me. She then messaged him to say she would in the morning and would deal with the outstanding documents. Instead of doing this she proceeded to close the application. We are already a week over out closing date and now are likely to be up to 45 days over again as we reapply, possibly again with garbled explanations of what is required, poor communication, lost documents and issues with us being overseas ( something that would n't have been a problem had they processed things properly. We have been thoroughly mistreated and as a result not only face stress and financial hardship but will potentially lose our earnest money and even our home, thanks to their handling of this matter.
Product: Credit reporting or other personal consumer reports

This account was charge off in XX/XX/XXXX and was reopened with a new balance in XX/XX/XXXX. This information is incorrect and this account should be deleted. By the provisions of the fair credit reporting act I demand remove any information that the creditor can not verify I understand that under 15 USC Sec 1681 ( a ) you must complete the reinvestigation within 30 days. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate and misleading reporting on my credit report regarding the account listed below. The way this account is being reported violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Fair Credit Billing Act ( FCBA ). 
Account Information Creditor Name : Experian Account Number : XXXX Date Opened : XX/XX/year> Current Status : Closed / Charge-Off Account Type : Auto Loan
Product: Credit reporting or other personal consumer reports

I am disputing a credit account that appears on my credit report, and that has charges associated with it. The account was opened in my name with XXXX XXXX  and the account number is XXXX. However, the charges are linked to an address that I have never lived at or used. The address listed on the statement is XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I have never lived at this address, nor have I authorized any activity related to this account. I believe this may be a case of fraud or an error in the records. The charges on the statement do not belong to me, and I do not recognize any of the transactions listed on this account. 

I have already reported this issue as identity theft on the XXXX website. 

I have attached the following documents as support : 1.PDF of the identity theft report from XXXX. 
2.Statement with the incorrect address.

3.Credit report showing the disputed account.

4.Utility bill or lease agreement with my correct address.
Product: Prepaid card

1st Issue : I called the CashApp support phone number ( ( XXXX ) XXXX ) and spoke with a gentleman regarding a transaction for my debit card that was declined when I had funds to cover the charge in the account. I asked him why this happened in an attempt to ensure it wouldnt happen again he told me that, I had " exceeded the limits for the week on using the card ''. When I asked him what the limit was again to ensure the same mistake didnt happen again. He told me that " he didnt know and couldnt tell from his end ''. I asked to speak with a supervisor or someone who would have more information on this, and he refused to transfer me ; that there was no one that would know the answer. I asked him to provide me with the terms of CashApp and use of the cash app debit card. He said that he did not have access to that and could not send that to me. After this interaction he also went silent and refused to speak with me more because I " kept asking the same question '' .After this interaction I transfered my funds out and decided to close my account. This was on XX/XX/year>. 

2nd issue : Because I received my direct deposit from my payroll company to my cash app account that I had just closed, I submitted a new form to my HR department to exclude the Cash App account. Unfortunately, by the time HR processed that new direct deposit form, the funds had already submitted to my cash app account ( that I had just closed ). I called the Cash App support line on XX/XX/year> to find out if they had received the direct deposit amount from my payroll company and what the process was for them to send that back. I provided them with my phone number my email address and the account number to the Cash App account. The woman that I spoke with said that she was unable to find my account. I asked to speak with someone who could look back or help me with this situation and she said that there was no one that could do that. I asked her what she recommended I do, and she said " to not call them again '', and hung up.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 
The account that is inaccurate is : XXXX  XXXX XXXX XX/XX/year> XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a fraud alert overnight. I received another phone call that morning that asked me if one of the transactions made were mine. I said no that led me to check my account to see what they were talking about and I seen about XXXX transactions made several from XXXX XXXX from XXXX in Georgia. They tried to make a transaction at XXXX and I am in Nevada. These charges were made from several different states I did not make these transactions nor did I authorize these transactions on my card. I immediately called XXXX XXXX when I seen these and told them that was not me. I even called several of the places that were on my car to let them know my card is being used at this place. It is not me nor did I authorize it. They told me to contact my bank. The total charges came out to about {$XXXX}. I did not have the funds in my account for those transactions on XX/XX/XXXX. I receive XXXX emails stating that my fraud claims were found to be valid I am furious because there is no way they can seriously think that I did all of those transactions made in multiple different states. I called XXXX XXXX XXXX more time to let them know that this is wrong. I did not make these transactions and something needs to be done. I looked on XXXX XXXX website and seen the XXXX liability for a fraud claim so where is my protection why lie and say these charges were valid when they are not. I even filed a police report regarding these fraud transactions made on my account.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 says A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than four business days after the date of receipt of the letter You are violation of the law because Im a victim of identity theft, delete the item below immediately Account : RA ROGERS INC collection consultants Original creditor : XXXX XXXX XXXX XXXX open date : XX/XX/2023 balance reported : {$8900.00} the account should not be furnished on my consumer report as they are in violation of 15 U.S. Code 1681b permissible purposes of consumer reports, which says in general subject to subsection C, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : in accordance with written instructions of the consumer, to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report, which violates my rights as a federal protected consumer no consent is identity theft as a consumer. I am demanding the deletion of the account below immediately. 

Account : RA ROGERS INC collection consultants Original creditor : XXXX XXXX XXXX XXXX open date : XX/XX/2023 balance reported : {$8900.00}
Product: Debt collection

I have made numerous attempts to clear this up directly with the credit reporting agency ( XXXX   specifically ) and they keep saying that an AGENT at Automobile Acceptance XXXX XXXX XXXX XXXX, Georgia XXXX has verified the said account. I have been a victim of identity theft and have supplied all the proper documents. 
AUTOMOBILE ACCEPTANCE ACCOUNT # XXXX {$5800.00} does not belong to me ( I do not owe automobile acceptance the said amount, and I have asked in order to validate the debt, I would like a copy of the original contract containing my wet ink signature, the name of the agent who verified the debt and who has first hand knowledge of the said debt. 

In Regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executrix on behalf of the XXXX XXXX XXXX ESTATE, is in possession of your recent voluntary submission of evidentiary documents also known as a credit report. 

Furthermore, in order for XXXX XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX   conventions. I would also need a copy of your Tax Registration certificate! 

Failure to substantiate the claim, please DELETE all accounts immediately with the next 10 days. Send an update to XXXX to remove the said account immediately! And send myself and XXXX verified copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX EMS/VETERANS XXXX XXXX VETERANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIAL CAPITAL XXXX AUTO FIN NOWCOM/WESTLAKE FINANC NCCINC/ORR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GLOBAL LENDING SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMS/VETERANS XXXX XXXX VETERANS UNI XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXXXXXX 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

Unverified fraudulent accounts still remain on my report. Please send 609 FCRA requirements to verify these with original contracts or remove due to identify theft. FTC report attached. 

These are violations also of section 1681 of the US code. 


* Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/2019 * Account : XXXX XXXX XXXX  * Source of dispute information : account * account : XXXX * Amount {$22000.00} * Dates associated with item being disputed : XX/XX/2019 XXXX
Product: Debt collection

They are calling me non-stop, almost everyday, sometime multiple times a day for weeks now. They are calling me while I am at work, which is oppressive, extremely frustrating, and affecting my ability to work. They keep trying to misrepresent who they are when they call to mislead me to believe they are a different entity by using dozens of different random auto-generated phone numbers to show up on my caller ID, but they keep leaving the same exact erry message. 

I've tried communicating that the debt is not right, I do not agree with it, and that I have to refuse to pay or continue to be harrassed to no end. Still, they persist to call over and over again. They are clearly violating the Fair Debt Collection Practice Act and need to be stopped. A lawyer told me they would file a lawsuit against them for me, but I am hoping that this might work faster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned my leases car to Toyota and took a new lease car from them but the old returned car lease account is still showing in my credit report and also as an " adverse account ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX pulled my credit report on XX/XX/year> without my permission I didn't authorize them to do so. And also on XX/XX/year> XXXX  bank also pulled my credit report without my permission and didn't authorize them to. so someone stoled my identity and I already tried talking to them both to have it removed from my credit report and they said that they couldn't do it and that I had to contact the credit buereas so I did and they said that they couldn't remove them. And I told them that it was a fraudulent inquiry. So I need to have them removed thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Midland Credit Management Account # XXXX, 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 
The company Stated " Please note that based on the information provided by the seller, WE have determined that our credit file, and the information being furnished for the above-referenced account, is accurate. WE will be closing our investigation of your dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act. 
I requested a proper investigation not internally by the company they will always find in favor of them selves. The investigation found to be flawed.
Product: Mortgage

On XX/XX/XXXX I was diagnosed with XXXX XXXX XXXX and XX/XX/XXXX diagnosed with XXXX. Due to astronomical amount of bills ( home, personal, medical ) and reduced income I was no longer able to make my mortgage payments on a timely manner. I am seeking an approval for a short sale of my property.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit card or prepaid card

In early XX/XX/2019, Chase offered 0 % APR and {$0.00} fees on balance transfers for a new Chase Slate card to an existing customer. However, Chase did not disclose that no balance transfers could be done from other Chase credit cards, even though that is exactly who they sent the offer to. As a consequence, I spent time and applied for a credit card that I had no use for and had to cancel. 

On XXXX XX/XX/2019 I applied for a Chase Slate credit card. I have a Chase Freedom Unlimited credit card already and I was logged in to my account at the time. I read a message from Chase while I was lodded in. The message was that I had a special offer from Chase for a Slate credit card, with 0 % APR for 12 months on balance transfers and {$0.00} balance balance transfer fees for balance transfers completed within 60 days of opening an account. 

In the application for the Chase Slate card, it provided fields for a balance transfer option. I input my Chase Freedom Unlimited account number and the maximum allowable balance transfer of {$15000.00}, expecting to transfer most of my Chase Freedom Unlimited balance to the new Chase Slate card. My new Chase Slate card was approved for a {$5700.00} credit limit. 

On XXXX XX/XX/2019, I called Chase to ask whether my balance transfer would go through at a limit of {$5700.00}. The customer service representative said she saw no indication of a balance transfer for the Slate card. She also said she could not do a balance transfer until I physically had my card. 

I received my Chase Slate card on XXXX XX/XX/2019. On XXXX XX/XX/2019, I called Chase to inquire about my balance transfer. An automated telephone response indicated my requested transfer of {$15000.00} had been declined. I spoke to a customer service representative and asked her to initiate a balance transfer from my Chase Freedom Unlimited card. She said she could not do this. I explained why I had applied for the Chase Slate card, and requested her to cancel the Slate card if she could not transfer a balance to it. I received confirmation from her that my Chase Slate card was closed during that conversation.