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

It shows that I owe {$120.00} to Wells Fargo Credit Services however that account has been closed for over 4 years. I would like this removed from my credit report or updated so it does not reflect unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is disappointing! I have been disputing for the correction of the accounts that are reporting erroneous information on my Credit File but it is clear that the Credit Bureaus do not pay attention to any of my disputes at all! 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXXD XXXX Balance Owed : {$4000.00} XXXX XXXXXXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXXXXXX Balance Owed : {$0.00} ; and XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Debt collection

XXXX XXXX, I purchased a bed from Amercan First Finance in the amount of XXXX. I have paid each month on time since, I received an extension for my last payment to be deducted for XXXX XXXX. I was informed by a represenative that since i did not make the final payment on XXXX XXXX, that i would incur another amount for XXXX. They explained to me that it is in my contract, I was never told verbally that this would be the case, or the was the date to make that last payment. I called today thinking this was be my last payment. I refused to make a payment with this new stipulation that they are verbally informing me about now. I do not want this to become an issue with my credit.
Product: Credit reporting or other personal consumer reports

I have sent letters XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> with proof of XXXX  deleting all of the incorrect information and negative accounts that are not my accounts. They are refusing to delete this information from my credit report.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Request for re-open and new review. The last case was closed reference # XXXX with the bank leadership very unhelpful and treated me very poorly without support or care to dig deeper to find these funds. 

XXXX XXXX transactions were sent to me from XXXX different indivuals totally approximately {$600.00}. None of the funds were received. I have filed XXXX disputes for each transaction over a month ago and PNC Bank has not provided the funds to me, or given me the reason for the funds not being received, or any resolution to the issue or how they plan to resolve the issue or provide me the funds. They are instead requesting that I start the process all over again after I have escalated the complaint, called several times, spoken with numerous people and provided additional information that was requested. The escalations did not result in anything but a call back with no additional information. Specifically XXXX transactions were sent to my account. XXXX. {$260.00} XXXX. {$100.00} XXXX. {$75.00} XXXX. {$75.00} All that I would like is my money.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing in response to Equifaxs reply to my complaint concerning inaccurate items on my credit report, specifically regarding the inquiry made by XXXX. While Equifax has acknowledged the presence of the inquiry on my credit file, their response fails to address the core issue that was raised in my original complaint : I did not provide written consent for this inquiry to be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and complete. This includes ensuring that any credit inquiry reported must be authorized by the consumer. The FCRA requires that a consumers authorization be obtained for any inquiry to be included in their credit report. In my case, I did not provide written
consent for XXXX  to make an inquiry into my credit file. Therefore, the inquiry is incorrect, and its continued presence on my credit report is a violation of my rights under the FCRA.

Furthermore, I would like to point out that simply stating the inquiry is a " factual record '' and will remain for two years does not address the issue of whether or not this inquiry was lawfully reported. Per the FCRA, I have the right to dispute the accuracy of information on my credit report, and I believe this inquiry does not meet the standards set forth by the law for inclusion in my credit history.

I respectfully request that Equifax conduct a more thorough investigation into this matter and remove the inquiry from my credit report, as it was neither authorized nor accurately reported.

Please let me know if you require any further information to assist in resolving this matter.

Thank you for your attention to this complaint. 

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

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed 3 separate complaints about inaccurate information on my consumer report on XX/XX/2022, Complaint # XXXX XXXX ; Complaint # XXXX XXXX ; Complaint # XXXX Transunion. All 3 of the mentioned CRAs have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts, in violation the FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) Under the FCRA, the updates have not been completed within the 30 days that are allotted before CRAs are in violation of the FCRA. Due to the lack of prompt action and continued inaccurate and/or not complete information continuing to be furnished on my consumer report, I am requesting the specific updates and deletions. Please see my instruction in the resolution section
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account was set up fraudulently. I called the company multiple times, but they were unable to verify my correct SSN, email address and phone number used to establish the account. The company said someone would be in touch within 30 days, no response. Contacted the company multiple times to dispute account with no response and no live customer service rep to speak with.
Product: Mortgage

XX/XX/XXXX. I found out from Citi Bank that as an XXXX I was placed on their " XXXX XXXX list '' from an XXXX  I completed in XXXX. I was told by XXXX XXXX XXXX, XXXX that I needed to submit numerous new XXXX for review. I emailed these reports to her in XXXXXXXX XXXX XXXXXXXX, and I never heard back from her as of XX/XX/XXXX. In the interim I emailed her several times @ XXXX for an update and again no response after she stated to me in a letter that using that email address would expedite the review. This delay has cost me thousands of dollars in XXXX  fees from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been unfairly targeted from Citi Bank as XXXX XXXX XXXX XXXX, XXXX said she didn't even know why I was excluded in XXXX.
Product: Checking or savings account

XXXX from XXXX XXXX, dispute opened, provided documentation showing I requested cancellation from the company. Current decided to close my dispute and not honor the refund although the service was never received and a request for cancellation was submitted.
Product: Credit card or prepaid card

I was notified through a credit monitoring service that someone tried too open a credit card account in my name at Bank of America. I called and they stopped the account opening. I was told to call the next day to get a report of the incident. I was told that I had to fill out an affidavit, file a police report, and send multiple forms of ID just to get this report. 

They told me that there was nothing else they could do for me. The same thing happened to me at XXXX a month ago. They simply sent me a letter for my files stating what happened and that the account wasn't opened. 

I can't understand why this is not a minimal requirement for a credit card company in case of these incidents.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX CONVERGENT OUTSOURCING XX/XX/2021 VIOLATION OF 15 U.S. Code 1692g - Validation of debts Re : Account Number XXXX Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. 15 USC 1692g ( a ) clearly states that you must have sent me a written notice of the alleged debt. You did not do this and if you say you did please provide me with proof. Pursuant to 15 USC 1692k violating this law will cause you to be liable for {$1000.00} in damages. I demand that you delete the reported tradelines from my consumer report. 

Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete XXXX XXXX calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficent validation response and this item must be removed immediately or i will seek litigation for Monetary damages along with the violations you alrerady committed. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a truck loan that was repossessed unlawfully. The company turned around and sold the truck for way under what the truck was worth but continue to bill me for the remainder of the loan which is predominantly interest as this is a subprime auto loan. I have an attorney and they were notified that I was filing bankruptcy so they hurried to file suit. I decided not to file bankruptcy very recently and was going to settle with the company but all of a sudden I have a garnishment on my paycheck for {$560.00}. I can not afford that payment amount and can not afford my bills now. I want to find out how much the loan company is ACTUALLY out from the truck without interest as I know it is not the {$6000.00} they are trying to charge me. The truck was never worth that amount. I was tricked by the dealership into even signing for this loan. XXXX and XXXX XXXX trick customers into loans they can not afford and then repossess and that is how they make their money. Slovin and Associates is who garnished my wages for XXXX. I need help with this company. I will pay what I myself caused, but not {$6000.00} to a greedy company making money off of customers who are desperate and easily tricked. This is unfair and deceptive. I want to settle on this and stop the garnishment.
Product: Credit card or prepaid card

XXXX XXXXXXXX XXXX card was used without my permission in XXXX XXXX United States while I was in XXXX. The bank flagged the purchase as fraudulent contacted me and I confirm it was fraud. At that point are charge of approximately {$3000.00} was already authorized by the bank. The other charge got denied. I started a fraud claim at the same time and the claim was denied three times by the bank. The bank States that I need to investigate with the store myself for more information about the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX  account number ending in # XXXX, XXXX XXXX account number starting XXXX and XXXX XXXX  XXXX account number starting with ending in # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. 

Bankruptcy XXXX XXXXdismissed XXXX  I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
Product: Mortgage

Mortgage check was sent on time and cashed by Caliber Home Loans. A notification of past due amount on XXXX showed a balance of XXXX higher without explanation. A call to customer service on XXXX revealed this to be due to the recalculation of escrow impounds but insisted on a check which could not be delivered the same day. 
A follow up call on XXXX expedited bringing the account into balance using a routing number for the balance due but no guarantees were made regarding reporting to credit bureaus. Unapplied funds and the additional payment are to be posted later today ( XXXX ) and a late fee will be removed from the account. 
The account does not show contact with credit bureaus has been made at this time, however, I was told the account will show partial payment at the end of the month and may be automatically be sent to credit bureaus between XXXX and XXXX of the month. 
Online statement balances show incorrect amounts due to not displaying a late fee and applying the late fee to future payments ( screenshot is available ). 
A dispute letter was faxed and mailed on XXXX requesting:XXXX Get all payments made and received by XXXX applied to the loan account ( mortgage payment cashed on XXXX and escrow shortfall paid via routing number ) XXXX. Verify that no contact has been made with credit reporting agencies. 
XXXX If contact has been made with credit reporting agencies regarding past due amounts. 
XXXX The submission must be reversed as per RESPA rules regarding disputes. 
XXXX The submission is requested to be permanently reversed as all payments for the loan principal and interest have been made and all escrow amounts have been paid in good faith within the grace period. 
XXXX. Receive a correct explanation of total escrow charges including current total annual escrow amount, current balance, and impact to regular monthly payment. 
XXXX. Correct total on the online statement to reflect the current state of the account and render totals correctly.
Product: Payday loan, title loan, personal loan, or advance loan

I took out this loan without fully understanding the interest cost that would be charged. 
I have paid the iriginal loan amount back in installment repayments. 
But cant get out of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, 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

This account was opened XXXX, XXXX. There are over a year of payments not accounted for that are all positive. Payment history is different on all three credit reporting companies. Per Fair Debt Collection Practices Act, Pennsylvania Fair Debt collection Practices, Fair Credit Extension Uniformity Act. 
It is the responsibility of the Credit reporting companies to report accurate and correct information. 

I have attached copies of my credit reports for all companies. Please correct or delete this account. 

I requested verification of payments from XXXX they have yet to respond
Product: Checking or savings account

I opened a USAA bank account in XX/XX/year> to receive direct deposits from my employer. After receiving two deposits, my account was unexpectedly locked, preventing me from accessing my funds. When I contacted USAA, I was initially told that someone would reach out to me within a few days. However, days turned into weeks of me repeatedly following up, only to be ignored. No one ever reached out to me as promised. 

Eventually, I was informed that USAA had decided to close my account without providing a reason. The account was already locked before XXXX, but I had forgotten that my direct deposit was still set up for that account. Since then, USAA has given me the runaround, constantly lying and changing their story. 

I was assured that I would receive a check with my remaining balance within 60 to 90 days. However, every time I followed up, I was given a new timeframe. In XXXX, they said I would receive the check by XXXX. In XXXX, they pushed it to XXXX. In XXXX, they promised it would arrive by XXXX. Now, in XXXX, I have been told that my account has not been closed yet and that my funds still can not be released. 

USAA has held my money illegally for months, leaving me unable to pay bills or buy XXXX gifts for my family. Despite my repeated attempts to resolve the issue, I continue to receive conflicting answers and no resolution.
Product: Credit reporting or other personal consumer reports

A medical bill from XXXX XXXX XXXX, that I have no knowledge of what this is regarding and are not the original debtor, was added to my Experian credit report. On XX/XX/XXXX, after disputing it three times before to no avail, I sent them a copy of what then XXXX XXXX XXXX had announced on XX/XX/year> as a final rule by the Consumer Financial Protection Bureau to remove medical debt from consumer credit reports. I received notification on XX/XX/XXXX that Experian denied my dispute again to remove it from my credit report.
Product: Checking or savings account

I have a problem with Chase Bank. I have a XXXX checking account that is setup for paperless statements. At some point, a new minimum balance service charge was instituted. It started deducting {$15.00} from my account every month. This was started while I wasn't using the account. At no point did I get an email explicitly stating that a change was made and my account would now incur this service charge. When I looked at my balance in XXXX XXXX, I finally noticed that {$15.00} was being deducted every month since XX/XX/XXXX. I called Chase and they credited back 3 months worth. I walked into the local branch and after spending XXXX minutes with the staff, I finally met with the Branch manager who gave me a " concession '' for {$30.00} which would count as income on my account. They were not willing to fully reimburse all my monthly fees. The real complaint I have is that the manager told me a paper notice must have been sent about this change and agreed that there wasn't an electronic communication. If I am on paperless statements, I should have received an email from Chase explaining this change. The monthly emails are very generic stating that I have a statement issued. Then you have to log in and go into the account to see the transactions. If you know you have not been touching your account, it gives you less reason to go through those steps. Also, I learned from the manager that the alerts that I have setup for the account would not have triggered by the monthly service charge transaction.
Product: Debt collection

On XXXX XXXX, 2017 a collection account was placed in my file with the credit reporting agencies by Pinnacle LLC C/O Resurgent Capital Services. I was not informed in writing of this debt before it was placed on my account. Under the FDCPA a collection agency is required in written communication with the following information : written notice of debt, the amount of debt, the name of the original creditor and a statement describing my right to dispute the account and 30 days to dispute the validity of the debt. In addition I do not have a contract with Pinnacle LLC C/O Resurgent Capital Services.