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

that you are attempting to collect in accordance with 15 USC 1692b. I am referring to account XXXX XXXX XXXX. With a past due balance of {$650.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter.

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question.

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

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

Equifax is refusing to take off a account that does not belong to me.. I have disputed this many times and I have not gotten anywhere with them.. 
XXXX and XXXX  has already removed the account from my credit report. 
But Equifax has refused to. 
they keep telling me that the company involved said that the information is correct.. I can't see how this is possible because the others have already removed it.. 
Back in XX/XX/2017 I went to court for a car that was put in my name without my permission, didn't know I was listed as a Co buyer until I was served with court papers saying I was being sued By XXXX XXXX. 
I went to court and explained to the judge that I never agreed or signed anything say I would be a co buyer for any vehicle and the signature is not mine.. The judge dismissed the case against me without prejudice.. I sent this information to all three Credit agencies. 
Yet Equifax has not removed it ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I took a XXXX dollar 84 month installment loan from home depot through XXXX XXXX XXXX. I used XXXX dollars of the XXXX loan to make purchases at home depot. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX XXXX has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped, only with Experian. 
I had some delinquency on a credit card with XXXX XXXX from XXXX and student loan with Dept of Ed back XXXX XXXX. At that time, both accounts were reporting on my credit and I was penalized for the late payments. Essentially, my credit score dropped.

Since then, there has been no delinquency on those accounts.

They have been on my credit report since they were created. 

Luckily, I have a credit report for XXXX showing those accounts and the deliquency in the correct time period ( s ). This will be helpful with the problem I am having.

My credit score dropped earlier this month. I disputed the negative reporting. I spoke with the creditors and they mentioned they did not report any negative information.

Next, I disputed the new information since it was already reported on my credit. Experian came back saying everything is accurate.

When I called in, I was sent around in a transfer between representatives, saying the next person could help me.

I finally got to a manager. The manager said the accounts were not reporting on my credit before, and they are now which is why my credit score dropped.

I have proof that the accounts were showing on my credit report since I opened them.

It doesnt make sense that I am being penalized twice for the same thing.

They provided false information stating it wasn't on my credit and then finally reported this month. 

Please help. They wont take ownership or address the issue. I am being provided false information on my credit history. They have an issue on their side and I need help getting a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  Credit card is reported as CLOSED on XX/XX/XXXX to TransUnion however it was XXXX days late reporting closure on XX/XX/XXXX instead of the prompt mandatory XXXX XXXX  and FCRA required automatic reporting on XXXX As oXXXX XXXX this Closed account still has not been reported as Closed to XXXX and the last reporting was XX/XX/XXXX in willful violation of XXXX XXXX and FCRA protocols. XXXX XXXX  was required to report XXXX to XXXX on XXXX so it is now XXXX  days late. Closure was required to be reported simultaneously to every CRA on XX/XX/XXXX instead of piecemeal only after receiving a XXXX XXXX compliance complaint. Due to XXXX XXXX obvious compliance deficiencies my XXXX XXXX XXXX account must be deleted from all my credit reports permanently plus statutory damages of {$1000.00} for each and every FCRA willful violation of the FCRA against every violator.
Product: Credit reporting or other personal consumer reports

I submitted disputes to experian and they failed to properly investigate my claims and responded with an answer that was NOT relevant to my disputes.
Product: Mortgage

I currently owe XXXX $ XXXX on my home with 22 % made on my principal payment ( $ XXXX home value ) and live in the US. I am currently just past year XXXX of my loan. 

At 20 %, I sent a letter to my lender stating that I would like my PMI removed, which they responded that I would have to have my home assessed to process the removal or it would automatically be removed at 22 % of my principal payment. This aligned with what I had read online and felt sure this would work. 

At 22 %, I was still getting charged for my PMI. I called and asked why it was not auto-removed, and they told me that because my loan was so new ( 3 years ), that the PMI could not be removed until 25 % ; additionally, the PMI would be automatically submitted for removal at the 5 year point ( XXXX 2018 ). They stated that I could send another request letter to remove the PMI prior to then, but there 's no chance it will get approved. 

I was under the impression that Federal Law states that the PMI MUST be removed at 22 % of principal payment. What are my rights as a consumer/borrower and am I getting taken for a ride? What is my best recourse for removing the PMI? Thank you in advance.
Product: Checking or savings account

On XX/XX/year>, my Chase Bank debit card was fraudulently charged {$740.00} overseas. I contacted the bank and filed a case for investigation. However, the bank concluded that the transaction was made using a chip and, therefore, was not eligible for a refund. I have never used my debit card for transactions abroad. When I asked the bank for details about the overseas merchant, they informed me that no further information could be found.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MI XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Also multiple times they have repossession the car can not be repossessed every month.

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was shocked when reviewing my credit report and found late payment 's on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My friends and I feel it's important to take off derogatory accounts when they're expired, to make credit scores easier to understand and update personal info in a timely manner.It seems when i talk to them they don't want to help me rectify things like what happened in summer of XX/XX/2017 when I tried to reconcile issues with you, unfortunately my instructor who helped me is no longer available to discuss this with you. Also I had a XXXX XXXX account that wasn't removed that should have come off my record and some fraud alerts that was not taken seriously. Thanks.Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions EXPERIAN has reported incorrect information on my credit report. XXXX XXXX XXXX does not inform of the bankruptcy of any credit bureau. There are several accounts that are associated with the bankruptcy that is showing on my credit report that needs to be removed. I have included a PDF that shows everything highlighted that needs to be deleted.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, resulting in XXXX unauthorized accounts and XXXX inquiries on my credit report. These were added without my knowledge or consent. 

ACCOUNTS - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reported this identity theft to the FTC. I insist on the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Debt collection

I received an initial letter from a debt collector dated XX/XX/2021 with no verification of a legitimate debt owed. I made numerous phone calls to the company requesting verification but that information was never received. A letter dated XX/XX/2021 indicated as a formal demand listed hardship options being offered to settle this matter so I chose one of them and called the company and made a payment to settle the debt in full on XX/XX/2021. This payment was made via an XXXX card and the payment posted on XX/XX/2021. At the time I made the payment I requested a settlement in full letter be sent to me via email and was told I should receive it within 3 business days. I called the company on XX/XX/2021 regarding settlement in full letter and was told it would take 7 business days. When I called on XX/XX/2021 I was again told it would take 7 business days. On XX/XX/2021 I was then told it would take 7 to 10 business days to get the settlement in full email. When I called at XXXX ET on XX/XX/2021 ( the XXXX business day ) I spoke with a supervisor who assured me she would request her manager send the email and I should receive it within a few hours today. After not receiving the requested settlement in full email by XXXX ET on XX/XX/2021, the representative I spoke with during the second call said the manager was gone for the day but I should receive the email by XX/XX/2021.
Product: Bank account or service

My business checks were stolen and I contacted the customer care department to request that I get a new account number. I was told that I need to pay {$30.00} for a stop payment on the checks that were stolen and that I had to go into the branch to get that done. I went into the branch on XXXX XXXX, XXXX, Georgia and was told that every member that is listed on the business with the XXXX of XXXX had to be with me when all of the members listed on the business are not listed on the bank account. I explained about the checks being stolen and was told that was the only way I would be able to get new checking account number.
Product: Debt collection

Received a text message from XXXX XXXX attempting to collect a debt. Offered to have me pay about half the amount of the debt to settle it. No further information was provided. I have since been sent to collections by this company.
Product: Debt collection

Back in XX/XX/2020, I submitted a payment to the Collection Agency ( Komyatte & Casbon ) in the amount of {$55.00} and asked them to update or remove the negative information from my credit file, along with issue a letter to this effect. To this date, XX/XX/2020, my credit file has not been updated nor have I received the letter stating this account had been paid in FULL. I have called on several occasions and was told this is being processed, but as stated above, my credit files have not been updated.
Product: Credit card or prepaid card

On approximately XX/XX/2019, I received a mail offer from USAA for a pre-approved credit card offer. The offer stated I was " Pre-Selected '' for the USAA Rate Advantage Visa Platinum credit card. The offer had a fixed expiration date and contained the mandatory, legally required, Pre-screen and Opt-Out notice. I also verified that USAA obtained a soft-inquiry copy of my credit bureau report prior to making the pre-screen offer. This offer was a legal, firm offer of credit. 

On XX/XX/XXXX, I also noticed the same pre-screen offer in the " My Offers '' section of my USAA eBanking portal. I already have credit card products with USAA and have had them for many years. 

On XX/XX/XXXX, I submitted my online application for the pre-screened offer and my application was immediately declined. During the application process, USAA obtained a copy of my credit bureau file from XXXX. USAA informed me in writing of their decision and the only reason stated was " Maximum credit limit reached. '' USAA knew perfectly well what my credit limits were with them prior to my application and, in fact, prior to extending the pre-screened, firm offer of credit. Worst case scenario is they knew my credit limits with them upon accessing my credit bureau report used to determine my qualifications for their firm offer of credit. Further, it is not my responsibility to know whether my current credit limits put me at their maximum exposure or not. 

Knowing I was unqualified for their firm offer of credit, they should, at a minuimum, never pulled a hard copy of my credit bureau file after I applied.
Product: Credit reporting or other personal consumer reports

In according 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. 

Accounts : LXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

I looked at my Experian credit on XX/XX/2024, and noticed some things are incomplete and not accurate. 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 1681i ( 5 ) they're suppose to do this ( 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 has been modified or deleted from the file of the consumer. And according to 15 USC1681s-2, they're 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 information is inaccurate.
Product: Debt collection

I sent the initial dispute requesting validation on XX/XX/2021 as well as a cease and desist asking Wells Fargo to stop all illigal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. I also filed a CFPB report ( XXXX ) ; i then received correspondence back on XX/XX/2021 stating that Wells Fargo provided information validating the account but i did not receive the 5 things required pursuant to 15 USC 1692g shown in exhibit B. Since providing all 5 requirements are not optional, Well Fargo is in direct violation on federal law. I requested the original creditors name and address as well.

I did however receive billing statements from WELLS FARGO shown in exhibits D-G suggesting that an alleged debt was owed but all balances on the statements were positive. this is very false and misleading and in direct violation of 15 USC 1692e ( 2 ).

I also received from WELLS FARGO a copy of the credit application proving that this is a consumer credit transaction that i initiated and i am not liable to pay any alleged debt.

I also received a copy of the contract I received from well Fargo shown in exhibit A, however i noticed in this contract that there is not a right to rescind section ; and i never received any disclosure pertaining to my right to rescind including the proper forms to exercise my right to rescind. This is a violation under 15 USC 1611 ; WELLS FARGO is criminally liable for willful and knowingly not disclosing my right to rescind. As well as civilly liable for {$5000.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX Account # XXXX {$3700.00} Fraudulent charge Portfolio recovery, XX/XX/2020, and the amount of {$1700.00} fraudulent charge
Product: Debt collection

In XX/XX/year> I was contacted by this debt collection company saying that I owe for an apartment complex. I started asking questions and they stated I owe the apartment {$2000.00} and that the move out date they is in XXXX. The moveout date is incorrect as well I left middle of the XXXX due to a Roach Infestation Apartment. I reached out to the apartment several times for several months trying to get a resolution. I have even contacted Corporate and they are refusing to even try to work with me. They are also stating items was left in the apartment. I asked for a breakdown of what was left they could not provide me no information at the time nothing was in my apartment complex because I wasXX/XX/XXXXand had an Infestation.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was the victim of a scam involving a person impersonating a USAA representative. Earlier in the day, I contacted USAA directly by phone to report suspicious activity and warned that something felt off with my account. No action was taken by USAA at that time to protect my account or freeze activity. 

Later that same day, I was contacted by someone claiming to be a USAA representative. Because I had already reached out to the bank and was expecting contact, I believed the person was legitimate. Under this belief, I ended up authorizing a {$4000.00} transfer via XXXX XXXX, which turned out to be fraudulent. 

Despite my advance warning to USAA, they are now denying my fraud claim and refusing to reimburse me. I believe this reflects a failure of duty on the part of USAA to protect its customer when potential fraud was reported. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure my case is fairly reviewed, including a refund of the {$4000.00} lost due to the scam.
Product: Credit card

My name is XXXX XXXX XXXX. This letter I tried to send to Chase Card services. The card that was used had the last four digits XXXX. I did not use that card on XXXX and XXXX for those 5 charges you added back to my card in XXXX. I sent the letter below to my job because I was in the XXXX  on XXXX to get XXXX. I was home on XXXX following my XXXX XXXX to prepare for the XXXX. I was put on a XXXX XXXX  at XXXX XXXX on XXXX. This letter below I sent to my job to be excused from work. I have an email from you asking did I recognize a charge someone tried to make at XXXX XXXX over XXXX which thankfully chase declined on XXXX. I responded no I did not make that charge. You changed my card. I did not get it. I believe someone tried to use that card and you canceled that card and sent me another card. Yet, you say I made charges I did not make! I want you to take all these charges off my card! Those charges were on XXXX  and XXXX  that you added back to my bill. I I have been a customer too long to be treated like this! Below is the letter I sent to my job that proves I was in the hospital on XXXX. I was told to send this letter to the email provided by your staff. It was sent back to me as undeliverable. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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