23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My XXXX credit report reflects a false collection amount of {$59.00} due to Sequium Asset Solutions, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX for a cable/cellular Charter Communication account that does not belong to me or was ever opened by me. I submitted a dispute via My XXXX and their findings from the company stated the account does belong to me when it fact it does not. Written proof about this account ( such as the original agreement ), was never provided by this creditor and their mailbox seems to be miraculously full when you call during normal business hours. 

I request a full investigation into this matter and expect my credit report to be scrubbed of such falsified reporting information.
Product: Credit reporting or other personal consumer reports

I noticed my credit score went down significantly at the end of XXXX and beginning XXXX. I called XXXX in XX/XX/XXXX, was informed they could see in the system my payments in XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I asked if they received my payment why their system reported to the credit. Bureau 3 x 30 late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX. They said they would send update to credit bureaus to clear but would take 30-60 days. I called back in XXXX and went through the same thing again. I am so frustrated 8 months later still my credit shows 3x30 days late when XXXX XXXX on XXXX occasions have confirmed I was not late. 

I also contacted each credit bureau online multiple times and still not removed from the credit bureaus. 

How do I fix this? As a consumer I feel totally unable to resolve this issue.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX  Account XXXX for 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 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities. Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates Metro 2 guidelines. Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute. Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ). Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities. I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on active orders during XXXX XX/XX/2023 and XXXX XXXX XXXX  during this time reported my account as past 30 days due. I was financially restricted however I did have a payment setup as they would call me and I would make the payment. They never called or notified however they knew I was on active orders during this time. The next week I called and paid the balance in full, that same month they reported my account as 30 days past due. Afterwards I reached out to them on XX/XX/XXXX regarding it to be removed, then again XXXX XXXX. Nothing has been done and no fix was made.
Product: Credit reporting or other personal consumer reports

I have recently initiated a dispute concerning certain entries on my XXXX, Experian, and XXXX credit report. The rationale behind contesting these adverse entries arises from their inaccurate portrayal and non-conformance with METRO2 compliance framework. The METRO2 Compliance mechanism, collaboratively established by XXXX, Experian, XXXX and XXXX, serves to ensure the precision of consumer credit reports. It has come to my attention that XXXX, Experian, XXXX 's adherence to these stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. 

I have diligently attempted to rectify these inaccuracies with XXXX, Experian, and XXXX 's assistance. Regrettably, despite the evident misreporting of the accounts, XXXX, Experian, and XXXX has chosen not to elimnate the adverse entries from my credit report. For your convivence, I have appended evidence of my correspondence with XXXX, Experian, XXXX 's accompanied by substantiation underscoring the jurisdiction for the removal of the negative accounts. My formal request is that you meticulously review the provided documentation in order to facilitate the expungement of these unfavorable elements. Enclosed within are materials substantiating the grounds for the requested removal. I kindly solicit your through assessment of the furnished evidence with the objective of effecting the elimination of the identified negative items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that a negative action in the amount of {$2900.00} is repeatedly being reported as accurately being mine, although I have no knowledge of the stated account, that was opened in XX/XX/XXXX. My first knowledge of this fraudulent account is XX/XX/XXXX. The company name is XXXX XXXX, which I have never had an account nor had I ever heard of them until this fraudulent account appeared on my XXXX credit report. I later learned, that it has been reported to XXXX  and XXXX as well. After learning, that this fraudulent item was on my report I called & spoke with the credit department at XXXX XXXX and informed them, that I have no knowledge of this account. They said that the merchandise was delivered to an address on XXXX XXXX, in XXXX, TX. I have Never Resided at the address, that they allegedly sent merchandise. I have resided at my current address where I pay mortgage, for the past 27yrs. Also the person that I spoke with in credit department of XXXX XXXX stated a one time payment in the amount of {$100.00} was made toward this fraudulent account. I told her that they should trace payment method & match any signatures against mine. I have paid all my creditors online directly, from my bank account for many years. All other ( legitimate ) accounts are in good standing. I believe in paying my debts, but it can be easily proven that XXXX XXXX is not my account through signature comparisons of whomever opened account & my own. Also again, I have never resided at address that merchandise was allegedly shipped to. I have also completed an affidavit on government website attesting, that this is a fraudulent account. Person that I spoke with said that they show a XXXX XXXX account, that was issued in my name in XXXX that is paid in full. I told her, that I have never owned a XXXX XXXX Account either and wish to file a dispute for both accounts.
Product: Debt collection

XXXX always try 's to collect twice on their end upon a disconnection. Creditor Acct # XXXX ; The most recent total amount due was {$000.00} as I returned their equipment in person to their office on XXXX. They had sent the equipment chgs to CREDIT MANAGEMENT , LP for the amount of {$220.00}. This is annoying and is the reason I am so upset most of the time. This ALL effects my credit score. My life begins to fill unmanageable when collection letters come that are inaccurate. Once their tech. came out and pocketed my Son 's cash. When I spoke with them, they called it a mistake. That is must have been sent to misapplied accts. What? a tax loop hole? It is so very upsetting to see my credit score drop with each institution.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy listed on my report and ive reached out to the bankruptcy court and was told that information is not provided to credit bureaus. Ive reached out to all XXXX credit bureaus asking proof of verification of the record. I would need for this to be investigated
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$28000.00} - Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} - Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8000.00} -Late/Closed XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference #
Product: Checking or savings account

After being harassed at a Wells Fargo location for not wearing a mask by police officer, I was forced to go to another location and I ended up leaving my card in the ATM machine! 

Then when I tried to get a replacement card they did not send it in the tone frame I requested! I asked him to send an expedited service so that I would get it immediately he said it would be here within XXXX business days which is way too long. 

Then he hung up in my face I tried to get a new representative to correct the error and they told me that I have to call back another day to have my card replaced. 

First due to the Wells Fargo error I cant get my card until Tuesday now and I was actually harassed by a police officer forcing me to wear a mask over my face just to go into a bank to get my own money!
Product: Credit reporting or other personal consumer reports

FCRA viloaltions not mine not my credit cardsXX/XX/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$820.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Account charged off. {$730.00} written off. {$110.00} past due as of XX/XX/XXXX. 

XX/XX/XXXXPotentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. Deferred, payment date not reported. 
XX/XX/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$520.00} Status Account charged off. {$300.00} written off. {$500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$190.00} Status Account charged off. {$190.00} written off. {$190.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XX/XX/XXXXPotentially negative Date opened XX/XX/XXXX XXXX {$730.00} Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$820.00} Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$370.00} written off. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$310.00} Status Collection account. {$310.00} past due as of XX/XX/XXXX. 
not my auto loan XX/XX/XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Repossession. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$11000.00} Highest balance - Terms XX/XX/XXXXMonths On record until XX/XX/XXXX never lived here XXXX XXXX XXXX XXXX, TX XXXX Resident type XX/XX/XXXXfamily XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XX/XX/XXXXfamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXXnot my XXXX numbers XXXX XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX not my name XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX not my XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2025
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that OAC send me validation that the debt they are falsely reporting to the CB 's belongs to me pursuant to the FDCPA 's act section 809 on XX/XX/2019. OAC sent me back a letter simply stating that they verified the debt to be mine. None of the original information, for which I will attach, was given or forthcoming. On XX/XX/2019 I sent OAC another request asking that they validate the debt for which they said I owed. I also requested that OAC provide their method of verification, and HIPAA authorization. As of XX/XX/2019, OAC has failed to provide me with any information that this debt belongs to me pursuant to the FDCPA laws for which they are in direct violation of! I have asked for complete, and original bills and statements detailing what procedures or services were brought, and have not been given this, I have asked for the payment history and reporting dates and have not been given this, I have asked for the method of verification and have not been given this, HIPAA contracts etc- along with several other documents. OAC has failed to respond to my request. Due to their unresponsiveness in a timely manner I am requesting that this debt be deleted from my credit report or I WILL file an injunction in the XX/XX/XXXX of XX/XX/XXXX County against them.
Product: Credit card

This past XXXX ( XXXX ), I closed my credit card account with Bank of America ( BOFA ). While on this call, I asked the customer service representative when I could expect to receive my {$100.00} security deposit back. They informed me that I would receive my deposit back within 30-90 days. 

I waited approximately 90 days, and called BOFA again on XX/XX/XXXX. On this call I asked about the status of my {$100.00} security deposit. I was informed that I should have received the {$100.00} by check in XXXX of XXXX. I confirmed with the customer service rep that the address on file was correct. I was informed that the check had never been cashed. I was then told I would be receiving a new check within 5-7 days. 

By XX/XX/XXXX, I had still not received a check. I called customer service hotline again, and received a different answer. Customer service said that I should have received the original check in XXXX, not XXXX. Again, it had not been cashed. I was then told that I would be receiving the {$100.00} deposit to my checking account within 5 days. 

It is now XX/XX/XXXX, and I have still not received my {$100.00} security deposit back. 

It is very difficult to get ahold of a customer service representative, yet alone a representative who I can inquire to about my {$100.00} credit card security deposit. There is not an option in the call menu for this situation, and their AI phone menu does not recognize any key terms related to security deposit. I also did not receive a follow up email from the last two calls I had, which was slightly concerning to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and GLA COLLECTIONS has furnished incorrect information to the consumer reporting agencies. Under U.S. Code 1692g Validation of debt. The listed said names have failed in providing proof that I the consumer have a contract with them and that I owe any amount. I have sent a letter of validation, letter of cease and desist and now my affidavit of fact stating that by law they are violating my rights as a consumer and are breaking multiple laws by so and I have demand that said names listed to cease and desist immediately multiple times. The Listed said names have only provided printed billing statements or records that will not verify or validate a debt according to Federal ruling. See XXXX XXXX XXXX, XXXX XXXX XXXX Federal Rules of Evidence [ " FRE '' ] Rule 602. I've ask that they send purchase agreement, affidavit of purchase, There license number to do business in the state of Kentucky, registered agent of service and any signed signatures that I have an agreement with said names listed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) regarding my credit report dispute. Specifically : XXXX. They did not conduct a reasonable reinvestigation of the disputed information XXXX. This has resulted in inaccurate and unverifiable accounts remaining unresolved XXXX. Their handling of my case aligns with the systemic issues identified in the CFPB 's recent lawsuit against Experian, including : - Failure to properly forward consumer-provided evidence - Acceptance of unreliable responses - Inadequate notification to consumers about dispute outcomes Despite multiple attempts to resolve this issue via phone, Experian has neither corrected nor removed the disputed information from my report. This continues to impact my credit standing negatively. 
Disputed Apple Card has outdated and incorrect information and should be positive standing XXXX  XXXX Accounts should not be showing negative Fair Collections and Outsourcing were not properly investigated XXXX Account is reported negative and should be updated
Product: Credit reporting, credit repair services, or other personal consumer reports

Information received back from dispute to XXXX XXXX validates my reason for dispute. 
Letter from XXXX XXXX states the reporting is accurate. ( See attached documents of reports showing multiple errors. ) 1. Letter  states account was a collection as of XX/XX/XXXX? How is this possible when my last reported payment in full is XX/XX/XXXX? 

2. Account is still on report as collection as of today. XX/XX/XXXX. This is clearly inaccurate. 

3. Letter states that first delinquency date was XX/XX/XXXX? Credit Report clearly shows first delinquency date of XX/XX/XXXX. Which indicates rollback and illegal re-aging. 

4. One report shows paid, and other shows as derogatory thats still in collections. 

These are multiple inaccuracies which are in violation of my rights under FCRA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my credit report were not authorized and I do not have accounts with any of these companies
Product: Checking or savings account

I'm aware that this transaction is fraudulent [ Debit Card Purchase At XXXX XXXX XXXX, XXXX, Ny On XXXX From Card # : XXXX ] This transaction belongs to someone else and someone has obtained my personal information ( identity theft, fraud, error ). I didn't sign any lease term agreements and I didn't authorize or give permission ( consent ) to XXXX to withdraw money from my account on any or lease term agreements. After contacting XXXX and for further investigation on my behalf, XXXX is the merchant and the address that the items got delivered to was a ( XXXX XXXX XXXX, XXXX, TN XXXX ). I never lived there and I'm not responsible for any payments. I never lived there. For your review. I've attached an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/XXXX I noticed that my accts are closed and transferred to a rehabilitation office im no longer with that servicer which was aes and XXXX XXXX
Product: Credit reporting

After previously disputing these erroneous accounts, TransUnion still deemed the accounts verified. These accounts has incorrect account status and account names. The name of these accounts are not " collection agencies. '' These accounts should have been removed from my report. Please see attached documents
Product: Credit reporting or other personal consumer reports

I am writing to file a dispute regarding inaccurate late payment entries on my credit report. Upon thoroughly reviewing my payment records, I discovered these erroneous late payments listed, despite my accounts being current. Over 30 days ago, I submitted correspondence contesting these entries and requesting validation, but regrettably, I have not received a response or satisfactory resolution. I am respectfully seeking your prompt assistance in rectifying this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reports settled account the same as a late payment! This should be illegal and a violation of the FCRA. Upon reviewing my report through XXXX. I noticed my XXXX score from Experian was XXXX points less than the other bureaus. When I looked at the details, it shows the difference was that experian is reporting I had a recent late payment on my XXXX account thats less than 2 months old - I called Experian customer service and they confirmed the same information - that information is incorrect. I settled the lease end balance on my XXXX back in XX/XX/2021, that does not mean I was LATE! 

A recent late payment will have a huge negative impact to someones credit. Why is it ok for Experian to report a settled status the same as a late payment? This should be looked into and addressed immediately.