23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It is disconcerting that a reputed credit bureau would permit the dissemination of misleading information without thorough verification. The information listed on my credit report reflects a late payment on the aforementioned account. I emphatically contest the accuracy of this reporting, as I have consistently maintained a punctual payment history with the creditor in question. There has never been a situation where a payment has been overdue, and it is perplexing to find such misleading information tarnishing my credit profile. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I understand that errors can occur, but the inclusion of inaccurate information on my credit report has serious repercussions for my financial standing and is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly investigate this matter and take the necessary steps to correct the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not proclaim to be an attorney or a law student, I just had time on my hands during Covid 19.

As i was on Social media, i came across some users giving Credit Education. I ordered a copy of the Fair Credit Reporting Act " U.S.C 1681 free booklet.

I sent letters for the company to Validate the Debt, which states, I have a right to ask for validation what is being reported on my Credit Report 15 USC 1692a ( 2 ), term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I also read that it can be a criminal law, but i have not read or self studied that part. 

Please, investigate to see whyinaccurate information is being reorted on my consumer credit report. 

Thank you
Product: Bank account or service

I have deposited a check on XX/XX/XXXX for {$4000.00}, they gave me an available balance of {$4000.00} the next day, and I went to a local Wells Fargo Branch and I withdrawed {$2200.00} and they told me the check was good to go. The next day they called me and told me that the check has bounced, and I asked them why did they give me an available balance if it hasnt cleared and they said my employer was at fault. Two days after they called me from an Oregon Office and they said they are opening a fraud claim and I would get my money back in 5 days. After 5 days I called them and they told me it was just a research claim and that I have to open a new claim. And so I did, and they told me that I have to wait for 10 days. I waited and called them and they have told me that my claim has been denied because of the bad check.
Product: Consumer Loan

I surrendered a vehicle in XXXX of 2015. My balance was around {$12000.00}, and they sold the vehicle for just under {$5000.00}. With fees and interest, my account charged off and reported to my credit as me oweing a little over {$7900.00}. I decided to call them and see if I could pay a settlement amount to have the account satisfied. The customer service rep I spoke to, after over 15 minutes and several reps that could not find or assist me on my account, was very rude and kept telling me very incorrect information. She tried to tell me that my balance was actually over {$10000.00} due to the fact that the amount charged off, did not include any of my per dium interest accumulated during the life of my loan. I 've worked in the subprime lending industry and I know how simple interest loans work. But she tried to tell me that THEIR company charges the interest at the end of the loan, even though my contract did not state this AND my payment history did not reflect this. She tried to tell me that she would be willing to take off the {$2500.00} from the {$10000.00} she said I owed. This is an incorrect amount by my payment history, as well as the agreed upon terms in my contract. She was attempting to collect on a higher amount then what I owe amd lied to me on how their simple interest loans work. She refused to get me to a superior, stating she was the boss and there was no one above her.
Product: Debt collection

This is my SECOND complaint I am filing because the first complaint was closed out unresolved! Penn Corp 's response to my first complaint mentioned a name that was not mine ( someone by the name of XXXX XXXX, which is not me ) and said they would resolve this, which they did not and have violated several of my consumer rights. 

A medical collection ( that I was never notified was going to be sent to collections ) showed up on my credit report and negatively impacted my credit. I sent out a certified debt validation letter on XX/XX/2022 to Penn Credit Corporation requesting they validate this debt, per my right under the FDCPA. Penn Credit Corporation received this letter on XX/XX/2022 ( according to the USPS tracking ) and per the FCRA they have 30 days to respond to my request from the date they receive this letter and they DID NOT respond at all. Since they did not respond, all references to this account MUST be deleted and completely removed from my credit file and a copy of such deletion request must be sent to me immediately, per my letter. 

Now since they IGNORED this FIRST debt validation letter. I sent them a failure to validate the debt letter on XX/XX/2022 informing them they failed to validate this debt at my request and CONTINUE to report a DISPUTED DEBT to the Credit Bureaus which is a FDCPA and FCRA violation so that's TWO VIOLATIONS. 

They had 15 days from the date of receiving my second letter to respond. They received the letter on XX/XX/2022 ( according to their SIGNED USPS receipt ) and completely ignored this SECOND letter which means I reserve the right to sue this company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from them if warranted. 

I have provided all receipts and images. 

Delete this from my credit file immediately to avoid legal action and a copy of such deletion request must be sent to me immediately, per my letter.
Product: Money transfer, virtual currency, or money service

Zelle violated the Electronic Fund Transfer Act and failed to properly treat incorrect and unauthorized Zelle transfers as errors under the law. Zelle also failed to prevent and limit address fraud. Zelle failed to conduct reasonable investigation of notices of errors submitted.
Product: Credit reporting or other personal consumer reports

These inquiries are unrelated to me, and I have no connection to the creditors mentioned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX To : Credit Reporting Agency Subject XXXX XXXX for XXXX of Unveriable Account Dear Credit XXXX Department XXXX XXXX XXXX XXXX to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, XXXX XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for {$3100.00} from XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section XXXX ( XXXX XXXX. XXXX ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section XXXX ( XXXX XXXX. XXXX ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section XXXX ( XXXX U.S.C. XXXX ), which allows consumers to seek legal recourse for willful non-compliance, and Section XXXX ( XXXX XXXX. XXXX ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my most recent credit report and noticed Nordstrom/TD Bank reporing a charge off account. This is not accurate at all and I demand an immediate investigation and removal. This account they claim is charged off is showing a current balance. I want to see every document associated with this account including an original contract with my true signature.
Product: Bank account or service

I was issued a savings bond check via XXXX XXXX XXXX XXXX, which was cashed into my Chase Bank Account. However, the check was rejected and my account was closed and reported that fraudulent activity was happening. This is incorrect. My parents had gotten the savings bond check, with their name and also my name on the savings bonds, and the check was mailed to me in California and cashed into my bank account. There should have been no problem!
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/XXXX I requested that Experian to verify accounts on the report regarding myself according to FCRA, Section 609 ( a ) ( 1 ) ( A ). They responded to my request stated that the accounts were all verified, however they never provided the means by which my account was verified, who verified that account, and physical verification of the original signed consumer contract. In all, I have contacted them via certified mail four times asking to have accounts verified properly. They are willfully refusing to do so and have subjected me to economic hardship due to their actions. 
Dates contacted via certified mail are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All times they " verified '' accounts, but submitted no proof of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Advanced Resolution Services since XX/XX/2021 requesting a copy of my ARS consumer REPORT. I have yet to receive a report from the company. I have attached another request today with my personal information as well as my signature to request a copy of my ARS consumer REPORT.
Product: Bank account or service

Scottrade submitted false information to the IRS and refuses to correct it, that is the short story. 

More information : During the past years when I previously used my former Scottrade account, I noticed a number of problems with Scottrade 's XXXX submissions that they were reporting to the IRS. The problems included incorrect trade dates, improperly formatted items, and most severely incorrect profit/loss calculations. ( Brief research on this topic shows that Scottrade has a number of complaints about late, false, or incorrect XXXX. ) I contacted Scottrade to have these issued resolved and unbelievably, they refuse to respond and claim that because I am no longer a customer, I am no longer eligible for account services. Interestingly enough, the IRS agreed with me, corrected the problems and sent me a balance for the overpaid tax. Shortly after that and shortly after my complaints to Scottrade, Scottrade re-submitted unchanged XXXX forms to the IRS. The IRS then processed those forms and promptly asked for the balance that I had received back.
Product: Credit reporting or other personal consumer reports

I sent the letter in to all three credit rules to have the situation resolved. No one result. No one respond.
Product: Credit card

I was denied an extension of credit by American Express. I applied for a credit card application with American Express it is against federal law in accordance with the Equal Credit Opportunity Act. Pursuant to 15 U.S.Code 1691 ( c ) American Express assume civil liability pursuant to 15 U.S.Code 1691 ( k ) American Express has violated my federal protected consumer rights. I have the denial letter which is proof and evidence I have been discriminated against which makes American Express criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. I demand that my credit card is Open Ended pursuant to 12 CFR 1026 ( REGULATION Z ) Otherwise this would be considered securities fraud and trust fraud since I have received NO CONSIDERATION. I will also be filing a ( whistle blowers ) complaint with sec.gov, FTC and the attorney general XXXX XXXX for remedy in this matter.
Product: Debt collection

Gurstel law firm, fruadulently ran through my bank account cause they obtained it through XXXX XXXX. I was never served of any lawsuit or any garnishment notice. 

I called them upon noticing that they ran my account without my authorization, neither was i sent an Exemption notice in the mailed. I was never given the chance to dispute the debt for which they are lying about. 

I called them this morning after learning that my account was fraudulently ran by them, i spoked to a gentleman which was very rude to me and didn't give me chance to speak. I obtained their number from my bank. 

This company need to be fine and shutdown. XXXX XXXX XXXX is a criminal lawyer
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

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 XXXX XXXX
Product: Credit card or prepaid card

So on XXXX  I authorized a payment to a merchant that was advertising a rental property with the agreement that I would be refunded if I no longer was interested in the rental. However, with this merchant, they seemed suspicious because they were not compliant and back and forth with me when I asked for a video tour. They also repeatedly asked for money and that was when I was no longer interested in the property. I had asked for a refund multiple times and they kept stalling and told me they can not send me back the money because they did not have money in the account. They told me they will send me their personal information so that I log in and make the withdrawal myself. I refuse to click on any suspicious link nor do I want to make any withdrawal myself, I had asked many times to send the money back via trusted methods like XXXX, XXXX, etc but the merchant refused to. I have called and repeatedly explained my situation to Citi that I am requesting a chargeback due to never receiving the service the merchant provided. In the beginning, it was reported as a fraud to which the bank concluded that it was not a fraud. So I try to reopen the dispute and they kept telling me that they have already made multiple contacts with the merchant and that the only way is to ask them to refund me. I've told them many times that I have already tried. Also about them sending me a suspicious link and making the withdrawal myself. They have never asked me for any proof either because I have proof of the entire conversation between the merchant. I kept calling because this issue is really frustrating. Finally, someone in the bank said that the investigation has reopened and that I just have to wait however, I do not see an update on my bank account yet. Usually, when a dispute is ongoing, you can track the status. I am writing this complaint because I am unsure if they have reopened the investigation or if they are just saying that so I don't have to be dealt with. Currently, my statement is about to be due soon in a few weeks and I have been trying to resolve this issue for 2 months now. I do not want to have to pay for something I have not received and also for someone to receive money from being a fraud/scammer.
Product: Credit reporting or other personal consumer reports

There are inaccurate inquiries on my credit Equifax Credit Report that do not belong there : XXXX  - XX/XX/2024 Also, please note that my name is listed incorrectly on my Equifax credit report. My name should be listed as XXXX XXXX XXXX. Please remove the shortened form of my name " XXXX XXXX XXXX '' from my Equifax credit report as well as the name " XXXX XXXX '' from my Equifax Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an American who has used credit in the past, I was more than likely part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Credit card or prepaid card

I had a forfeited air Flight with XXXX due to problems with their website. I attempted to contact them from XXXX XXXX. until XXXX XXXX. I tried another number listed for XXXX on XXXX. It was a scammer unbeknownst to me at the time.They promised to get me this special deal to help me get on this flight if I paid for it with XXXX XXXX cards. The guy told me the numbers were not coming through and do it again. {$4500.00} later I finally figured out this was a scam. I notified my bank Wells Fargo and my credit card through Wells Fargo. My check account at this point has restored {$2500.00} to my check account.Wells Fargo Credit card only restored {$500.00}. I still have an outstanding balance of {$1000.00} from this scam and I am of the understanding it is within their power to use insurance to cover this scam. I am retiring the end of this week and am in no position to take on {$1000.00} bill. Can you help please? 
Do not have ability to scan and attach but police file number is XXXX Last four numbers of my account number with Wells Fargo claim is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Payday loan, title loan, or personal loan

I was deposited a total amount of {$2000.00} since XXXX of this year. I have paid {$1100.00}. I still owe them {$1800.00}. Ridiculous fees. I have tried to tell them they are illegal in my state as they are charging over 200 % in fees, but they insist they are a tribal lenders and does not have to abide with state laws.
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 XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX have violated my rights. 


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. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit since XX/XX/2021. I have not received not one update from either one of the credit bureau. My information is not reporting correctly and needs to be updated or I will have to file for litigation. I sent in letters that need to be updated or removed. Please update ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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