23daVinci/CFPB_Complaints huggingface dataset:
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 updated : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 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

This is clearly as water. Thank you CFPB for bringing this awesome evidence to light despite the lies that TD Bank was telling consumers who, like been saying for years ( this is A fraudulent account that magically appeared on my consumer report. I had told TD Bank and made them aware of this fraudulent account yet they continue to harm my life by ignoring what i have been barking at TD Bank fraud department which i now know is being handled by clerks that were told to ignore any Fraudulent investigation into this credit account. Now I Know why TD bank was determine to flex and intimidate me into trying to make me believe that they were investigating this fraud account when they never did. CFPB this data furnisher is liable under the Fair credit reporting act ( FCRA ) under section 623 .Responsibilities of furnishers of information to consumer reporting agencies. a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived in Wisconsin, I have had my identity stolen back in XXXX and I have filed it with all XXXX credit bureau. I have seen this address continuously on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX after reviewing my credit report I noticed that there are several inquires that do n't belong to me.
XX/XX/XXXX I called Transunion asked to speak with a US representative and requested that they remove several of the incorrect inquiries. Several different reps ( as I called various times ) advised me to contact the credit company itself to have the inquiry removed ( since they stated they could not do it ). I spoke with a rep from XXXX XXXX at XXXX and she advised me to contact XXXX XXXX XXXX directly at XXXX the rep there advised me that they have no record of me applying for credit and that I need to contact Transunion with this information. I called Transunion to advise of the XXXX findings and they still refuse to remove the inquiry from XX/XX/XXXX ( there is one that they sent to XXXX XX/XX/XXXX) because its over 6 months old. The Transunion rep stated that I should contact CFPB and issue complaint against XXXX  but my issue is with Transunion not removing the inquiry from their report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ran my credit report for a loan Im applying. And to no surprise transunion didnt fix on their issue of listed me deceased and no access to the report of credit report I have had this issue from them and only on transunion. 

I had sent them documents both email and physical mail to their XXXX XXXX XXXX 

When i called them again, they disconnected my call. Called again and they transfer me back to their main menu. When i reach back to them, they cant do anything other than send credit report and asking me to verified again. They also mention it was XXXX  and XXXX  issue, it is not as i am able to access report on both of their system. There unacceptable.
Product: Credit reporting or other personal consumer reports

I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Checking or savings account

Holder of a savings account and a checking account died in XXXX, Massachusetts. The widow of the decedent filed probate and was appointed Personal Representative of the Estate, and requested of Citibank, N. A. that the accounts be closed. Citibank said they did not exist. We sent to them their own correspondence with the account numbers. Citibank then requested a notarized letter of instructions, to close the account. That was sent. Citibank has repeatedly asked for the same items sent to them several times, promises action when called on the phone, and the only response is another form letter. Citibank after saying the account did not exist, sent a letter saying that we had to act as otherwise it would be treated as a dormant account and apparently go to the State In response to my sending the package of back information and copies to the Director of Operations Support on XX/XX/2018, I received a letter dated XX/XX/2018 requesting a copy of the English translated death certificate, foreign letters of testamentary and a notarized letter of instructions, with an attestation from the United States Consulate. I called Citibank to remind them that this was a death and a probate in Massachusetts, was told that an account representative would assist me, and was left on hold for about 28 minutes until I realized that no one was going to pick up the phone.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, AND XXXX ARE REPORTING INACCURATE PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in an existing Honda lease a year early to get into a new vehicle. Honda Financial told me that I would receive letters in the mail explaining how to create a new account fo the new leased car. I did not receive any email, phone call or mail correspondence. I received a phone call on XX/XX/2021 stating that I was 3 months delinquent on payment. I paid the unpaid payments over the phone that day. 

The representative on the phone with Honda Financial stated that they had an incorrect address in their system. I am in perfect standing with every payment my entire life. Due to Honda Financial 's error, My credit score has dropped by 100 points. I should not be penalised for this mistake. 

Please help, thank you!
Product: Debt collection

Collection amount posted. {$8900.00} Date opened XX/XX/XXXX A certified letter was sent on the XX/XX/XXXX, Requesting for Debt Verification and Removal from Credit Report Pursuant to 15 U.S. Code 1681s-2 I am writing to request the immediate removal of a debt that you are reporting to the credit bureaus under the above-referenced account. This request is made pursuant to 15 U.S. Code 1681s-2, which ensures the accuracy and integrity of information furnished to credit reporting agencies.

Please consider this letter as my formal request for validation of the debt you are reporting. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request that you provide the following documentation to verify this debt : 1. The original agreement or contract from which this debt arose, including the names of all parties involved.

2. A complete account history, including any payments made, fees charged, and the current balance.

3. A statement of account showing that you are the valid holder of this debt and authorized to collect on it. 
In addition, I request that you confirm whether this debt is being reported accurately to all credit bureaus. If any portion of this debt has been satisfied, XXXX, or closed, I expect you to correct your records and immediately update the credit bureaus to reflect that status. 
If you are unable to provide the requested documentation or if the debt is found to be inaccurately reported, I am requesting that you remove this debt from my credit file entirely, in accordance with your legal obligations under the FCRA. Failure to verify or validate this debt will result in its removal from my credit report. 
Please be advised that I am providing my consent for all communication regarding this matter to occur in writing only, as per my right to ensure all correspondence is properly documented. I expect your response within 30 days as required by the FCRA. 
If you are unable to validate this debt or fail to correct any inaccuracies in your reporting, I will take appropriate action, including but not limited to, filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 
Thank you for your immediate attention to this matter. I look forward to your prompt response and the removal of this debt from my credit report.
Product: Debt collection

I am disputing a debt with XXXX XXXX. I sent them a debt validation letter on XXXX XXXX, 2015. They ignored my request for validation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX, I sent my mother XXXX XXXX XXXX ( XXXX on one transaction and XXXX on another transaction ) on her cashapp account. She informed me that once she received the money it disappeared. I launched an investigation with my bank and they informed me that they received information from Cashapp stating that my mom received the funds however they could not disclose where the disappeared to. They shut down the access to my moms account and never provided them the information on where the money went. We've asked multiple of times and even tried to call, however they do not have it where we can call anyone. 

My cashapp is $ XXXX My mothers cashapp account is $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove accounts : 1. Identity Theft CREDITTECH Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT TECHNOLOGY INC Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

My personal information has been compromised, and there have been attempts to apply for several credit cards in my name. I was alerted by XXXX, which led me to place a fraud alert on my credit reports. I noticed inquiries on my report from the following institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted all the banks to cancel the fraudulent credit applications.
Product: Credit card or prepaid card

I had a Bank of America ( BOA ) XXXX XXXX credit card. On XX/XX/2022, the account was transferred to XXXX XXXX XXXX XXXX XXXX ( XXXX ) because BOA was discontinuing the card. After that point I was unable to log into by BOA account. The outstanding charges on my BOA card, however, appeared on my XXXX  account, and I paid all outstanding charges. Yesterday, I received a statement showing as due the same charges that I already paid to XXXX. When I tried to call BOA for an explanation, the phone number on the statement was out of order. When I tried to call on a different number listed on the BOA web page, I was disconnected. I have no idea what to do.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of certain items on my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident.

As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : XXXX Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
CB/VICSCRT XX/XX/XXXX, XXXX & XX/XX/XXXX, XX/XX/XXXX XX/XX/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 you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of 11 student loan accounts opened with the U.S. Department of Education on XX/XX/XXXX ; a collection account opened with XXXX XXXX XXXX on XX/XX/XXXX ; a loan account opened with XXXX XXXX XXXX on XX/XX/XXXX ; a charge-off loan account opened with XXXX on XX/XX/XXXX ; and a hard inquiry from XXXX XXXX on XX/XX/XXXX. I have 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 the hard inquiry as reported. These accounts, collections, and the hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and the hard inquiry are the result of identity theft and fraud.
Product: Vehicle loan or lease

On XX/XX/2023, Stellantis Financial Services XXXX received a negotiable instrument in the form of a cashier 's check in the amount of {$80000.00} from XXXX XXXX, with the stated purpose of settling and discharging the associated account. Stellantis Financial Services credited the account with the aforementioned negotiable instrument, resulting in the closure of the account for a period of XXXX days. However, on the fourth day, XX/XX/2023, the account was inexplicably reopened, and the negotiable instrument was subsequently reversed, as per Stellantis Financial Services XXXX. This reversal indicated a failure to honor the negotiable instrument, effectively reinstating a fictitious loan amount, as per the provisions of UCC 3-604 ( Notice of Dishonor ) ( b ).

Per UCC 3-604 ( Notice of Dishonor ), if a tender of payment is made for an obligation related to an instrument and is refused by the entity entitled to enforce the instrument, a discharge of the obligation, to the extent of the tendered amount, occurs for any indorser or accommodation party with a right of recourse pertaining to the said obligation. This discharge was anticipated due to the dishonor of the instrument. However, Stellantis Financial Services US failed to provide any notice of correction concerning the instrument, thereby violating my consumer rights through deceptive practices and unjust enrichment.

In accordance with Title 15, Section 45 ( a ) ( 1 ) of the United States Code ( 15 USC 45 ( a ) ( 1 ) ), which empowers the CFPB to prevent unfair or deceptive acts or practices in or affecting commerce, I wish to draw attention to the company 's apparent violation of this provision. Stellantis Financial Services ' actions constitute an unfair and deceptive trade practice. I urge the CFPB to investigate this matter expeditiously and take the necessary measures to address these violations.

Furthermore, I have previously requested the company 's XXXX XXXX XXXX, which they failed to provide. This failure to comply with the request raises concerns of potential insurance fraud on the part of Stellantis Financial Services US. 

I eagerly anticipate a prompt response from the CFPB and sincerely appreciate your attention to making this claim a priority. Thank you in advance for your consideration and assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Email received Synchrony is reducing my credit. Not based on 100 % payment but how many cards I have. I did not authorize them to go through and pull my credit for this card. I did ask for extension of credit on a card they closed after it was paid in full. I have never missed a credit card payment. This unfair and hit my credit again. this is not the first time this company has done this. They did this with Lowes, XXXX XXXX ( XXXX ) and damaging my credit I have built. This is unfair and illegal to consider other cards than the one applied for. by the way nice little trick they do not allow a save to the document. So I screen shot it.
Product: Money transfer, virtual currency, or money service

My phone was stolen out of my hand on XX/XX/2022. The criminals made a Chase XXXX payment to XXXX XXXX for {$2000.00}, Chase initially refunded the fraudulent payment, but then reversed it on XX/XX/XXXX, costing me {$2000.00}. I had 20+ other fraudulent charges across my credit card that were reversed, but according to Chase I authorized the {$2000.00} XXXX payment, even though the exact same day my account had multiple fraudulent charges and my phone, Chase app and credit card were stolen. I have never made a payment to this person before, and did not authorize it. This is fraud and JP Morgan Chase Bank did not follow CFPB regulation E. Please help refund my stolen {$2000.00} and hold JP Morgan Chase accountable for their unlawful and unreliable accountability.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On the start of XXXX i paid XXXX then on XXXX I did the same XXXX ... on XXXX I arranged a payment date with them that I was going to pay my car a couple days late ... they agreed and came to pick it up saying I had 3 months without paying it and it was a lie They charge extra fees then they can't explain why. I choose not to get the car. They reported XXXX to my credit and they are just lying my ending balance was XXXX! This loan place does nothing but rob people out of there money they shouldn't be in business any longer and
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights, The reporting dates are wrong, last date of payment last date of active are all wrong. I have sent messages after messages and they have never done anything about it i have shown you the inaccuracies and these accounts are still on there please remove these accounts from my credit report as soon as possible.

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
Product: Debt collection

Portfolio Recovery Associates , LLC BALANCE {$4300.00} DEBT OPEN UP XX/XX/1999 They have continued to collect {$38.00} from me monthly..
Product: Debt collection

XXXX XXXX was sold an account from XXXX XXXX and has been reporting Account number XXXX with a amount due of {$3400.00} on my credit report. In XX/XX/XXXX and XX/XX/XXXX, I sent XXXX XXXX numerous debt validation letters via certified mail and they have not followed the FDCPA and provide me with the following : Validation of Debt Request, Proof of you right to/collect this alleged debt, balance claimed including all fees, interest and penalties, contract being my personal signature, license proof to collect debts in my state. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX and they removed them from my credit report, however, within days XXXX XXXX was added back to my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a letter, on behalf of XXXX XXXX, trying to collect the debt of {$3400.00}. In the letter it states " because of the of the age of your debt, XXXX XXXX will not sue you for it. '' I sent debt validation letters via certified mail to XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. However, they have not followed the FDCPA and provide me with the aforementioned documentation. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX XXXX XXXX and they removed XXXX Funding from my credit report, however, within days XXXX XXXX was added back to my credit report.