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

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IN XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 
I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit card or prepaid card

I applied for Avant credit card they counted it as a loan through their Unsecured loan dept I apploed for Unsecured ctedut line. Was Denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified this year that on XXXX and XXXX of 2018 that my credit report through equifax was involved in a data breach twice. I have obtained no other information except for what was provided.
Product: Mortgage

I sent 2 payments to Ocwen Loan Servicing, LLC, back in XXXX of XXXX, only to have them returned. Each time Ocwen takes longer and longer to return these payments making the interest and penalties to compound faster than usual, thus making it More difficult to catch up on the loan. I sent a complaint to CFPB. They contacted Ocwen, with my complaint. It seems Ocwen has a reputation of doing this very thing to many other people in the past. I believe what Ocwen is doing is Illegal. The United States Government also agrees. Ocwen sent me a letter saying they would accept {$2300.00}. I sent them {$2300.00} 0n XX/XX/XXXX. They sent it back today, XX/XX/XXXX. I do not know what to do? I am getting further behind on this loan. I do not know WHY Ocwen will not accept my 2 payment check. XXXX XXXX XXXX
Product: Debt collection

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). DISCOVER is a inaccurate account on my credit file and is not mine.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I am submitting this complaint regarding XXXX, XXXX, and XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. I am also a verified victim of the XXXX XXXX XXXX. Despite providing evidence to support my claims, XXXX, XXXX, and XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : XXXX Credit limit {$9700.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts XXXX. XXXX  XXXX XXXX credit limit {$6100.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts XXXX. Citi Card XXXX limit {$2500.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts XXXX. Citi Card XXXX limit {$3300.00} inaccuracies and discrepancies across all credit bureaus of late payments are not consistent and accurate and amounts I have submitted proof of mailing dispute that I sent directly to this creditor and uploaded that letter and credit bureau report discrepancies on their portals as proof that the information is either inaccurate or unverifiable. However, they have either failed to verify the information properly and has not given any response explaining their investigation process or have shown any correction to their errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial wellbeing, effecting my ability to ( get approved for credit, loans, housing, etc. ). 
I am requesting the following actions from XXXX, XXXX, and XXXX through the CFPB : 1. Conduct a proper and thorough investigation in the actions Ive disputed.

2. Provide me with a detailed explanation of the steps theyve taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately.

I am attaching all relevant documents, including dispute letters, and supporting evidence, to this complaint for your review. I submitted my online disputes XX/XX/24. 
Thank you for your assistance in addressing this matter and ensuring that all bureaus comply with federal laws to protect consumers like me. 
Sincerely
Product: Debt collection

I am writing to formally dispute the inclusion of an eviction record on my credit report. This entry is inaccurate and constitutes a violation of my rights under federal consumer protection laws. 
The eviction record in question stems from a debt that was fully paid when it was sold by the original apartment company to a third-party debt collector. Consequently, there is no valid debt associated with this eviction, and it should not have been reported on my credit file. Moreover, the reporting of this eviction and the associated actions violate the following legal protections under federal law : 1. Fair Credit Reporting Act ( FCRA ) Violations : * Accuracy of Information ( 1681e ( b ) ) : The FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Reporting this eviction despite the debt being fully paid is inaccurate and misleading.

* Investigation of Disputes ( 1681i ) : I am formally requesting an investigation into this disputed entry, as it is inaccurate. 
2. Fair Debt Collection Practices Act ( FDCPA ) Violations : * Unfair Practices ( 1692f ) : Debt collectors, and by extension credit bureaus, can not attempt to collect or report debts that are not valid or have been paid.

3. Consumer Data Privacy Violations : * Unauthorized Use of Personal Data : By purchasing my information without my consent and using it to report inaccurate information on my credit report, the debt collector may be in violation of my privacy rights.
Product: Credit card or prepaid card

They claim I activated an XXXX Rate Sale offer with a promotional rate through XX/XX/22. I did not do this. I would like to see proof and the details of this offer. 
It has affected how they processed my payments on balance transfers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Credit Management LP XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Re : Dispute of Collections Action To Whom It May Concern : I received an alert of my credit report change and found the following errors. See the attached copy of my account alert. 


Reason for dispute : I have had no interaction with your company and do n't owe you anything. 

I am hereby requesting that you confirm the fact that I owe any debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 

In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. 

Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 

Your next contact with me should be to either notify that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. 

If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the original application, bills, records of communications and payments, name/extension/phone number of person whom assisted you to verify said debt, and any other data that indicates my responsibility. 

I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 

Please acknowledge that you have received this notice within 14 days. 

Sincerely, XXXX XXXX
Product: Checking or savings account

While using Wells Fargo there were numerous times where Wells Fargo would sequence charges to get more overdraft fees, and also hold deposits til overdraft fees were accessed. I requested bank statements but the customer service representative would not provide me any information. The account is now closed.
Product: Credit reporting or other personal consumer reports

This is completely inaccurate. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting closed accounts as active with missed payments. The accounts attached to this complaint are not open. They are being reported on XXXX as though they were open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown accounts that are on my credit report that needs to be removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc ) due to inadequate customer services and unfair practices, which violate the consumer financial protection act. Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements on the electronic fund transfer act 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

I submitted a letter to the 3 Credit Bureaus on XXXX XXXX XXXX to update this misleading information. I think you have not validated these accounts : XXXX XXXX Balance : {$0.00} RXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXXpresent and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I got unauthorized inquiries on my report that has no purpose to be on my credit report 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting ogency 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 yeors.

15 U.S.C. 1681s-2 ( AJ ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable couse to believe that the information is ineccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XXXXXXXX XXXX  XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX  XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX  XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX Removal XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX Removal XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was inaccurate. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX Balance : {$2600.00} US DEPT ED XXXX Balance : {$2900.00} XXXX XXXXBalance : {$110.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX Balance : {$64.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an account with XXXX XXXX/ XXXX XXXX about a month ago. I was approved for a {$300.00} line of credit and made a purchase. Then it started reporting on my credit report as included in Bankruptcy. I have never filed for bankruptcy. I sent a letter directly to them and they sent me a letter back with all kinds of miss information. I received a letter dated XXXX XXXX stating that I opened the account onXX/XX/XXXXand made a purchase on XXXX XXXX for a daybed that was then cancelled and then I file Chapter 7 bankruptcy on XXXX XXXX with a standard discharge on XXXX XXXX and that as of XXXX XXXX the bureaus were reporting this account accurately. I tried sending them a second letter including the current bill. I have never been in bankruptcy and did not previously open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a formal complaint regarding 8 inaccurate credit accounts via certified mail through the USPS on  XX/XX/XXXX. I received notice the organization in question received the certified letter in XX/XX/XXXX. On XX/XX/XXXX I sent another letter via certified facsimile stating the 30 day investigation period had passed and the listed accounts needed to be removed. The organization removed the accounts in XX/XX/XXXX but re-inserted the same accounts on XX/XX/XXXX. I waited over 30 days for a response as to why and no response was given. On XX/XX/XXXX I sent another letter addressing the removal of the inaccuracies and the failure to provide an explanation for the re-insertion after removing the information at first. It is now XX/XX/XXXX and 30 days have passed and I have sent another letter addressing the failure to respond within the applicable timeframe as well as the violation they have committed due to not providing notification nor explanation to the re-insertion of the inaccurate information and have yet to receive any notification that the inaccurate information has been removed. I have facsimile confirmations showing proof that all correspondence was sent successfully.
Product: Credit card

XX/XX/XXXX2025 Reported unrecognized purchase charge on Barclays XXXX account for {$1.00}. Told amount would be refunded to account and account # closed and changed. 
XX/XX/XXXX/25, Next month no new purchases made but learned that XXXX XXXX charges a minimum monthly fee whether card is used or not. I was not previously made aware of this policy and have never heard of such a policy. I requested my account be closed and told all charges would be refunded to account and any additional interest and or late fees removed. 
XX/XX/XXXX/25 learned that despite my account being closed I am responsible for now {$9.00} due in XXXX. There have been no new purchases. 
Upon calling again am still put on hold multiple times with no resolve. I cant even know what this balance is related to. All I get is non-english speaking persons telling me that it will be corrected with no real way of knowing I wont see the same non sense next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested the Credit Bureaus to verify the debt of Convergent Outsourcing. I have not received any updates of any of my requests. I also contacted Convergent Outsourcing directly and they have to response to my multiple requests for them to verify this debt actually belongs to me with a signed written agreement as the Fair Credit Laws entitle me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I mailed a certified letter requesting the credit bureau to remove all incorrect names and addresses from my report. I included the only name and address that should be listed. I also attached a copy of my driver 's license, social security card and utility bill as proof of name and address. As of today 's date, XX/XX/2018, I have not received a response from them and there have been no corrections made to my credit report.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate addresses on my credit report. My accurate address is XXXX XXXX XXXX, XXXX, NJ XXXX, and not XXXX XXXX XXXX XXXX XXXX, NJ XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX -these addresses are not mine. My correct employer is XXXX XXXX XXXX and not XXXX XXXX XXXX XXXX XXXX. These errors must be corrected and updated to their record and ensure compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy. TransUnion 's failure to correct these inaccuracies constitutes negligent non-compliance under FCRA 15 U.S.C. 1681o and willful non-compliance under FCRA 1681n. These errors have negatively impacted my credit prole and must be corrected immediately to prevent further harm. I request an immediate investigation and correction of my name, address, and employer information to reect accurate records.
Product: Payday loan

I applied for the Personal Loan two times and I was denied without getting the reason from the lender. It is the " Borrowersfirst '', who asked to provide all the verifications, and signed XXXX, then never called or sent any letter or email regarding the status of the applications. 
I have a feeling that these people are getting our confidential information and not helping us, but, who knows maybe will do bad thing to our credit.
Product: Checking or savings account

I discovered four XXXX transfers had occurred from my checking account on or about XX/XX/XXXX. I called USAA and advised them I had not authorized these transfers. USAA advised me they didnt believe fraud had occurred and if it had, it was my fault. I did everything they instructed me to i.e. change passwords, use a different email, and deactivated XXXX. This has now happened 2 more times, the worst of which occurred on XX/XX/XXXX whereas XXXX  XXXX was transferred out of my account via XXXX in a matter of 6 hours. I requested the fraud department research this and was advised that the fraud department found no fraud occurred. I asked how they came to this conclusion and was advised that information is internal and does not get shared with the account holder. I asked how XXXX got reactivated on my account and was again advised everything that happened was my doing. What Im very confused about is per the USAA website, only 3 XXXX transfers are allowed in a 24 hour period and a maximum of {$1000.00} in a 24 hour period. USAA will not address this with me. I did everything USAA told me to do to protect my account but it didnt work. I was so relieved when I found the 3 a day/ {$1000.00} max rule per USAAs site yet each time I bring this up, they act as if they have no idea this is plainly stated on their website. Many people are having these same issues and USAA is firing customers daily so they dont have to deal with us.