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

My information was exposed in the data breach. 

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Credit reporting or other personal consumer reports

This CFPB Complaint is being filed due to XXXX not Complying with XXXX and FCRA Guidelines by furnishing Unverified/Inaccurate information on my credit report. As per XXXX XXXX XXXX guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the XXXX XXXX XXXX in regards to the violation of my rights by XXXX XXXX as well as damages caused by these " errors ''. The account in question is XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX/Closed Inquiry in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an error on my report from my account with XXXX XXXX   stating that Ive missed a payment for XX/XX/2020. XXXX XXXX has deferred my loan from XX/XX/2020 to XX/XX/2020 due to Covid-19. I was told that I can still make payments towards Escrow during any time of that particular month. My Escrow payment isn't required but should not report as a late payment ( especially if it was paid during XX/XX/2020 ). I've emailed XXXX XXXX twice on XX/XX/XXXX and XX/XX/XXXX for clarity but they will not answer my questions but only respond to me when I'm submitting a payment. 

I've also submitted proof of payment and proof of mortgage deferment to the credit bureaus to remove the error and in return, XXXX XXXX   has verified the late payment as accurate AND listed a personal statement on my behalf ( without my permission ) to my credit report that reads " I am unable to make timely payments due to the impact on my job/wages as a result of the Covid 19 pandemic. 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account XXXX : XXXX ; XXXX XXXXXXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/1976 I have disputed this company CREDIT BUREAU OF AMERICA SEVERAL TIMES! 
Finally i got an update ( attached ) showing that they REMOVED the account from my credit file. Soon after I received a bill showing they are still ACTIVELY attempting to collect on this debt. 

AFTER VERIFICATION AND VALIDATION was not enough to keep the debt on my credit file I find it offensive and ILLEGAL that they are now attempting to collect from me again. 

Please see to it that this account is REMOVED from ALL THREE BUREAUS AND NEVER TO BE RE-INSERTED INTO MY CREDIT FILE AGAIN. 

NOT TO MENTION MY NAME IS NOT EVEN SPELLED CORRECTLY ON THIS FRAUDLENT ACCOUNT. I HAVE PLEADED WITH XXXX XXXX XXXX XXXX  PROVIDING DOCUMENTS THAT I WAS NOT LIVING AT THE ADDRESS. THE MISSPELLING OF MY NAME SHOULD BE SOME INDICATION THAT I WAS NOT THE AUTHOR OF THIS ACCOUNT. I THEN DISPUTED WITH CREDIT BUREAU OF AMERICA AND PROVIDED THE SAME DOCUMENTATION. 

IF THIS ACCOUNT IS NOT REMOVED AND ALL COLLECTION EFFORTS CEASE AND DESIST I WILL HAVE NO OTHER OPTION BUT TO CONTACT THE ATTORNEY GENERAL ALONG WITH MY PERSONAL LAW ATTORNEY TO FILE A LAWSUIT.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " 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 the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : 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 reporting of a late payment on my credit report. I have contacted the company regarding this late payment, and they have approved updating the accounts to " open/never late. '' The company has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I had lent some money to a friend in cash earlier this year. He paid me back on cashapp. On XX/XX/XXXX, without notice or any sort of contact, cashapp withdrew the XXXX dollars from my bank account, citing a dispute filed by the sender. They did that they aren't required to notify me, and could tell me no information about the dispute and that I had no way to fight it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX stole my phone then took XXXX dollars out of my account!! Then Another incident where XXXX XXXX stole something of important and also took money out of my account. My cashapp account
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$3700.00}
Product: Debt collection

I believe the account is invalid. MIDLAND CREDIT MANAGEMENT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. MIDLAND CRED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe this company any money I do not have a contract signed with this company. I request they delete this account off all 3 credit reports. Delete now please
Product: Debt collection

Zwicker and Associate P.C. Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This collection company written above summons me for trying to collect a debt without mention how much I owed or Can you please ask them the breakdown how much and complete paper works of why, when, who and where? 

Can you please advise or please help how to answer the summons given to me. 
By this fraud collection company. 
Lastly, tell this collection company to STOP sending summons or calling me. 

Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request a thorough reinvestigation into the inaccurate accounts being reported on my consumer credit report. I have identified several false instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the XXXX XXXX data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. 

I insist on your strict compliance with XXXX XXXX reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 
The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a XXXX XXXX XXXX ( XXXX ) or an automated dispute verification system. 
A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 
If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ). 

Please address this matter with the urgency it deserves and provide a written response within the XXXX period as required by the FCRA. I expect a complete and thorough investigation into this matter. 

Thank you for your prompt attention to this serious issue. 

attached is my proof Idenity, Please do not send me stall letters asking to verify my identity.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

Following a mortgage refinancing, Dovenmuehle erroneously debited my bank account on XX/XX/2020 for a payment XXXX {$2800.00} XXXX on the closed loan account ( # XXXX ). I immediately requested refund and confirmed my mailing address multiple times. Dovenmuehle stated the refund check was mailed on XXXX/XXXX/2020, but I never received it. I called every week to confirm that it was mailed, and I reported I had not received it. I was told that although they can see that the check was never cashed, they can not cancel it, and I needed to wait 30 days before another check could be issued. After 30 days I spoke with supervisors again on XXXX/XXXX/2020, who stated Dovenmuele will re-issue another check and mail it again -- the same method that failed last time -- and that if I do not receive it I will need to wait another 30 days. When I called today ( XX/XX/2020 ) I spoke with a supervisor ( XXXX  ) who told me they have directed an investigation to see if the check has cashed, and that I will have to wait for the results of that query before a check can be re-issued. Although Dovenmuele can automatically debit my account, they state they are unable to refund my money any other way. Every call is met with excuses, new process requirements, and inaction. My family is being punished for Dovenmuele 's mistake, and inability to overcome their own inflexible process.
Product: Debt collection

XXXX Called my family and threatened to come to their work to serve me ( illegal ) its all recorded this person never called me, so I blocked My number and called the XXXX number- somehow she guessed it was me and new my last XXXX of my social. She said one main financial and that I defaulted On an XXXX XXXX  ( never ever did ) and then got hostile when I said Send verification of this debt to my address the said oh so you work for XXXX XXXX, Said no and she yelled oh hahha gotcha it is your debt, you used to work there and i said nope, verify its my debt, she then said she was going to send me to XXXX  and I said Ok send the sheriff and she said oh thats what youre getting youre getting a uniformed officer and hung up! Im also filing a police report for harassment
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX, has violated my rights. The date opened, No. of months, last reported, comment, last date active, and date of last payment differ when comparing my Transunion and XXXX consumer reports differ so they're inaccurate. This is also a violation. This account is negatively impacting my ability to secure credit and loans. 

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: Debt collection

This company, with whom I have no business, has called me three times this week during my working hours. They refuse to tell me what type of company they are or what they want. After looking them up online, they seem to be debt collectors. I do not have any accounts that are not under payment and have run my credit report to verify. I have advised to not call, yet they call still. They are asking for my personal information ( address, license number ). I have advised them if they have business with me to send in writing through the mail, but they become hostile demanding my address to " confirm. '' If they have this information, they can mail me, as I have no way to confirm who they are nor what they want. They are unable to prove who they are and quickly end call when you call them out for being scammers and harassment. 
XXXX has called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX XXXX has called on XX/XX/XXXX at XXXX XXXX ( XXXX, I have a copy of this recorded call as well )
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX19,XXXX19,XXXX19 Incorrect balance, the date reported, and the account type is inaccurate. 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: Bank account or service

I want to start by saying that I am very frustrated, because I am getting no help. Everyone is taking the situation lightly. I could have been embarrassed or worse arrested for this issue. I used an Wells Fargo ATM at the XXXX XXXX XXXX in XXXX. I withdrew {$340.00}, and was charged a {$3.00} dollar fee. this totaled XXXX. The machine distributed XXXX 4 XXXX - {$50.00} and XXXX 7 XXXX {$20.00} dollar bills. I am not a Wells Fargo customer and they are not willing to investigate, which I think is unfair. Whether or not I am a customer they put there product out there for non customers to use. Come to find out after giving one of the {$50.00} to my sister in law to make a deposit, it was fake. I can not let this issue go, I do not have money to give away, nor do I think it is fair that no one is sensitive to my issue. Counterfeit money is very serious, and I could have been arrested. I keep getting the run around stating that the atm does n't give out {$50.00} dollar bills but this day it did. I also know there is a ledger from day to day that shows the starting balance of the machine, and also the denominations that were in there. I am upset because I am being made to look like a liar, I do not need to go through all this aggravation for {$50.00} but it is mine. I also believe that if this situation goes unhand led there maybe other customers or non Wells Fargo customers who will experience the same thing.
Product: Checking or savings account

On XX/XX/2023, my bank account with chime was hacked into. I received emails stating that my email, password, phone number and pin numbers were changed. I called chime several times to try to regain access to my account, I was hung up on. On XX/XX/2023 I had XXXX in my accounts between my checking account and my credit builder account, i had just gotten my tax return and my paycheck. I emailed chime and was told I needed to verify my identity over and over. I was told that the most they could do was send me a check for the XXXX dollars left in my credit builder account and the XXXX left in my checking account. They refused to send me the XXXX that I had in my accounts when my account was hacked into on XX/XX/2023. They are still giving me the runaround and refusing to give me the XXXX that was in my accounts.