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

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXXInaccurate XXXX XXXXN/AInaccurate XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment.

Inquiries : XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX  XXXX  |XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate Also, the only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed below and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove fraudulent / unauthorized account/ collections : XXXX XXXX XXXX XX/XX/2021 or provide proof within 30 days
Product: Debt collection

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed my consumer report, which violates the FCRA and FDCPA. Jefferson Capital is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. On XX/XX/XXXX I got a letter from Jefferson Capital about an alleged debt, on XXXX/XXXX I sent a debt validation letter, on XX/XX/XXXX I sent a second debt validation letter. On XX/XX/XXXX Jefferson Capital stated they are closing the account but didn't mention about deleting it from my consumer report. 
This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.

This is also a Notice exercising my rights to prevent the processing of my personal data by Jefferson Capital. Please be advised that providing a memorandum or other statement from your agency, stating that Jefferson Capital the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report immediately and send conformation. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Product: Credit reporting or other personal consumer reports

*I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to XXXX XXXX and send me a copy of my updated credit report. ''
Product: Checking or savings account

On XX/XX/22 at XXXX pm I received a phone call from Wells Fargo executive office. The phone call was in response to complaint # XXXX which I filed with CFPB concerning funds missing from my Wells Fargo account XXXX The person identified himself as XXXX XXXX He asked me if it was a good time to speak. Although I told him no ( I was driving and I was celebrating my daughters birthday ) XXXX insisted. I just want to get this case closed he exclaimed. He asked me a series of questions. I felt as if he was attempting to debunk the claim without investigating the validity of it. XXXX accused me of conjuring up problems. XXXX XXXX then stated that he has heard enough and that there would be no investigation. I was instructed to hire a lawyer if I felt this was unfair. I do believe that this is the very same person whom I spoke with approximately a year earlier about the fraud in my bank account only to have him tell me that my concerns werent important enough to be escalated, then he hung up on me ( that conversation was recorded ). This situation has been very upsetting. To be treated in such a manner with no concern as to the validity of the claim. I did call Wells Fargo after I calmed down and filed a complaint against XXXX XXXX For his handling of the case and his treatment of me. I truly dont feel as if I will get any resolution with this bank. They have bounced me around for some time now as if just playing games, while my daughter and I have gone without food due to the theft of funds intended for us to live off of. I am asking that you use any authority to make this financial institution understand that they are entrusted with peoples livelihood and should responsibly handle funds entrusted to them. I would greatly appreciate any assistance provided.
Product: Credit card or prepaid card

Citi has unexpectedly increased all of our interest without notifying us that the entire interest balance was imposed and did not notify us that the promotional no-interest account expired. Fraudulent and misleading set-up of auto-pay and after Citi changed to " Shop your Way Mastercard '' my settings were changed. My settings when I set up autopay on the original website were to notify us when promotional balance ended. This requires immediate attention.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Please remove this information from my credit report XXXX XXXX XXXX Account Number XXXX XXXX. Please remove this information from my credit report XXXX XXXX Account XXXX XXXX XXXX. Please remove this information from my credit report Chapter XXXX bankruptcy XXXX Account XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

XX/XX/2020 my car was involved in an accident that the insurance deemed a total loss. insurance paid out its portion ( full coverage ) while the rest was up to the GAP coverage i had on the car. my father and i are both on the car loan. while checking my credit report i saw the car had been placed into the " public record '' section. i was denied a mortgage for a home because of this. according to the the consumer rights info i read, mine and my fathers were violated. we never recieved any notice of a court hearing nor did our insurance company since GAP did not pay out as per our contract. i have filed a complaint with them as well. we paid to settle the account and it still was placed into the public notice section. i have never ever gotten notice of a court action for the car, only a call to collect the past due portion. it was paid and has a XXXX balance. also, my name is incorrect on the account on my credit
Product: Mortgage

I applied for a mortgage with Bank of America. After receiving the closing statements I noticed all of the closing estimates were considerably higher. I asked that they withdraw my application. Unbeknownst to me Bank of America ordered an appraisal on the property. I learned about it when my agent called me. they still continued to say that they did not. They billed my credit card for an appraisal that was useless to me. After I complained and spoke to the vice president They still refused to give me back my money. 
XXXXXXXXXXXX XXXX phone AVP Sales operations XXXX XXXX XXXX XXXX Fl. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition to continued multiple complaints with Consumer Financial Protection Bureau, please accept this as intent to also file complaint with FTC against XXXX XXXX XXXX XXXX President 's Office, XXXX, and Transunion as conspiracy to evade the Fair Credit Reporting Act. The attached undated permission is viewed as complete and acceptable permissible permission to be used once if not multiple times to access my credit and private information repeatedly ; time after time. Transunion, XXXX, and their client, XXXX XXXX XXXX President 's Office, believe an incomplete document without date is unnecessary for permissible permission to access American 's Private Information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for their unauthorized reporting of a charge off on my credit profiles. This erroneous reporting has had severe repercussions on my financial standing and has caused considerable distress. 

Per the Fair Credit Reporting Act ( FCRA ), it is imperative that companies report accurate information to credit bureaus. I wish to emphasize that this unauthorized reporting of a charge off violates IRS law. According to IRS regulations, debt sold to third parties ( CHARGE OFF ) is now considered a CERTIFICATES OF IDEBTENESS, constituting INCOME that CAN NOT be reported as outlined in the Internal Revenue Code. Therefore, the reporting of this charge off, which does not meet the criteria stipulated by the IRS, not only misrepresents my financial status but also contravenes federal law. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME CA NOT BE REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. 

I respectfully request that the Consumer Financial Protection Bureau promptly investigate this matter and take appropriate enforcement action against XXXX XXXX XXXX XXXX XXXX Additionally, I urge you to ensure that my credit profiles are corrected expeditiously by completely removing this information in compliance with the FCRA and IRS regulations.
Product: Debt collection

Debt collector is withholding insurance proceeds of {$8100.00} from me. It was my insurance policy. I put money out of my pocket to pay for the home repairs after the XXXX and I am the one who negotiated with the insurance adjuster, met the follow up inspector and submitted my claims for the recoverable depreciation. The {$8100.00} collected is due me - the consumer - not the 3rd party debt collector. Each check sent in was done so via Special Deposit Trust Relations for the benefit of the beneficiary, ie me. Please help me get this returned. I am submitting this request in a good faith attempt to resolve this issue administratively. If necessary, I will go to court next. Thank you kindly, XXXX
Product: Debt collection

XXXX Sent my account to XXXX XXXX XXXX XXXX on XX/XX/XXXX and put it in disputed status and suspended collection Activity XX/XX/XXXX. 

I have sent them a registered letter to dissolve the issue as time after time going back to XX/XX/XXXX and current in XX/XX/XXXX of this year to dissolve the issue. When I switch my account to XXXX it took XXXX over 3 months to get the bill pay off to XXXX as well as they sent it to collections before sending the finale bill to XXXX. XXXX kept sending the bills to XXXX. They had lost the equipment that I return in the store I was told it was sent to the wrong distribution place for returns by XXXX and they had charge me for equipment that was return that took XXXX 2 months to get straight of the return equipment to the store. XXXX has told me in XX/XX/XXXX and XX/XX/XXXX they was working on resolving the issue and never did. XXXX received US Registerd mail about the issue and never to this day resolve the issue. They kept sending me to different departments and they never call back or tried to fix the issues. XXXX can verify the issue to how long it took them to send all the bills. Then they credit back over {$1500.00} to my account once the equipment was entered to there system as return in the store. It was nothing but one big mess after another. Now the account was sent back to the debt collection company XXXX XXXX XXXX XXXX and now it is in disputed status and suspended collection Activity on XX/XX/XXXX by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOODWILL LETTER XXXX XXXX  Account Number : XXXX/XXXX/XXXX To Whom It May Concern : XXXX XXXX  Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on XXXX months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX. for my XXXX XXXX XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for [ circumstance that caused you to miss a payment ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, since COVID19 things has been very hard, I'm at a point that I'm reestablishing myself. I have a better job and I'm in the process of saving more and I'm enrolled in financial seminars weekly. I'm improving my credit as well and learning money management. Ive had a spotless record of on-time payments. 

Im planning to apply for to purchase a home in the next year and a car as well. This forgiven will help my credit greatly, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late in the amount of XXXX which includes the year and months of late payment. XXXX  months includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for my XXXX XXXX XXXX XXXX 

Thank you for your consideration, and I hope youll approve my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a letter from XXXX XXXX requesting that all three credit bureaus correct the information reporting delinquent and late payments. I have attached a letter from XXXX XXXX stating that the 60 days reporting late should be updated to to paid on time. Credit bureaus have failed to update my report which is affecting my credit score tremendously. 

I have attached all supporting documents for reference. You can also reach out to Ms. XXXX from XXXX XXXX XXXX or XXXX for additional information. MY old CFBP complaint is XXXX. 

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

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I was also never late and I always pay on time. Please remove this inaccurate information and accounts that can not be verified. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding XXXX  once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as Mr XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus.

On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of XXXX   and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative Mr. XXXX almost 18 months ago. It was your company that was an admittance that Mr. XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.
Product: Debt collection

A fake collections company is calling saying I owe money for an emergency room visit. I called the hospital and our visit was never sent to collections and was paid by our insurance. We never received any type of bill regarding our visit since we had already met our deductible that year. The statement we received showed it was paid in full. They only know me by my phone number- no account number, no nothing.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 XXXX suspended my account for a terms violation. I also had a venmo prepaid card that was also suspended. They asked me for ID verification, I sent my drivers license. They responded and said my account was indefinitely suspended. 

XX/XX/24 I received a direct deposit on the venmo card accidentally from XXXX in the amount of {$530.00}. I reached out to venmo not knowing that my card was also suspended to see how I can get the remaiming balance. I was told that my card was suspended/ a deposit should have not gone in because the card was suspended and I need to wait 6 months, if it should come sooner that I would receive a email with directions. 

I want my money, flat out. Venmo is doing shady transactions