23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of the information provided in consumer reports. 

The account in question is : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 

Status Updated : XX/XX/XXXX Balance : {$3000.00} Balance Updated : XX/XX/XXXX Recent Payment : N/A Credit Limit XXXX {$2900.00} Highest Balance : {$3000.00} On Record Until : XX/XX/XXXX There are also inconsistencies in the payment history for this account, which I believe are inaccurate : Payment History : XXXX : Payments marked as late, progressing from XXXX to XXXX  days past due by XXXX. 

XXXX to XXXX : Continuous " XXXX  '' ( XXXX XXXX ) status reported every month. 



I believe that the information reported is either incomplete or inaccurate and may not reflect the current status or history of the account. I request that you conduct a reinvestigation of this account and verify its accuracy with XXXX XXXX XXXX XXXX. Please provide me with a written summary of your findings and correct any inaccurate or incomplete information as required by law. 

In accordance with 15 USC 1681i, I request that this matter be addressed within 30 days of receipt of this letter. Additionally, I request a free copy of my updated credit report once the corrections have been made.

Thank you for your prompt attention to this matter. I look forward to your response and the appropriate corrections being made.

Iam also requesting a cease and desist order that will stop all communications that are reporting to the credit bureaus and phone calls until I receive a 1099C because u claim on my credit report that the debt was written off but i have not received no 1099C.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found items being reported inaccurately on my account. These accounts below have been sold/written off profit for loss and account balances reflect XXXX therefore should not be reporting on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} Also a letter of validation was sent out to XXXX XXXX XXXX on XX/XX/XXXX and it has been 30 plus days no response due to the address being incorrect in not in the place of business stated on the credit report. The post office sent to address referred and no response of validation other then the debt being sold. Debt has already been resold
Product: Debt collection

I became the link  one up on my account number XXXX with BSI financial as a servicer. In contacting them in mid-XXXX  I was advised to pay {$3400.00}. when I become free confirm this number days before the same representative then told me they wanted now {$3700.00}. I was told to pay by XX/XX/XXXX XXXX XXXX.. I have continually tried to reach out to them to make a payment with no success. Finally reach the representative XXXX XXXX by email and now he's demanding more money. He is acted unprofessionally and threatened to take our property in a matter of months. He is threatened lawsuits and that he could still proceed with any legal action against us irrelevant of the status of the environment in New York state right now.
Product: Credit card

Requesting that XXXX adjust my credit card interest rate to the 6 % cap that XXXX statute RS 29:312 states.
Product: Debt collection

Debt is already included in bankruptcy. I no longer own this and stop reporting this in my credit report. See attached documents
Product: Vehicle loan or lease

I spoked with a rep at Santander in regard to this loan. In the previous claim I explained how I was advised to go with santander although I had full approval thru XXXX XXXXXXXX. 

I hadn't received any calls from the company for a period of XXXX months ( XXXX present ). They updated the status of my loan to " written off as bad debt/charged off '' on my credit report prior to the end of year XXXX. A few months ago, they started contacting me via text. When I reached out to a rep, I was told that my payoff amount was XXXX XXXX  and I have made a total of approx. XXXX XXXXXXXX worth of payments on the car ( valued at XXXX XXXX at the time of purchase ). Santander currently attempted to settle at a lower amount but I just want to confirm with CFPB is that normal, ethical business practices to write off a car loan ( potentially for tax purposes ) and then still collect on it. I just want to be sure before I proceed with settlement. Thanks
Product: Credit reporting or other personal consumer reports

How am I late on payments after a car was repo? 
The vehicle was repo and defaulting on payment at this point .The reporting of late payments after a repo occurring is an error leaving the deficiency balance.The vehicle was repo and defaulting on payment is in accurate. Reporting late payments is a factual error. The account was identified as a repo but you still report late payments.Since the vehicle is no longer in my possession it will be impossible for me to default on a payment .I have the right to an accurate credit file and discrepancies like this is unacceptable so please immediately remove this account and its entirely from my credit file.A monthly payment should not exist after a repo.XXXX  XXXX account number XXXX.
Product: Credit card

Dear CFPB, I've financed my XXXX  XXXX with Comenity Capital Bank, they gave me a card called Alphaeon Credit. 

On XX/XX/2024, I've paid my account balance in full with USD XXXX. After I've paid my balance and it's been confirmed on their website, I called in to close my account. The representative said he closed my account. However, I never got a confirmation for closing my account, instead, in XXXX, I got a statement saying I have a balance of USD XXXX ( with a previous balance of XXXXXXXX XXXX fee charged of XXXX ). 

So I called them again, telling them they charged me another balance and fee with a total amount of USD XXXX, based on a XXXX balance in XXXX, and after I called in to close my account. So I disputed this balance, and told them to close my account again, the representative said yes, she closed my account. But still, I never got a confirmation for closing my account, and I keep receiving statement of charges or transactions I never made since I already cut my card in XXXX after I paid the balance. 

I really need this bank to stop charging fees that I've never made, and CLOSE my account as it's affecting my credit scores. I will need a full confirmation saying my account is fully closed and I don't want to have anything to do with this bank ever again. 
Please help me if you can! Thank you so much! 

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

contravention to 15 U.S. Code 1681c2 ( a ) - Block of information resulting from identity theft. over 150 days for repeated disputes and investigation until inaccurate accounts were deleted ; XX/XX/2021 accounts were reinserted again inaccurately and evidence was submitted with inaccuracies and incompleteness and it has not been blocked as instructed after 4 days. This has become a tremendous inconvenience without any cooperation from representatives after calling in several occasion to help resolve this matter. reported accounts have been settled as paid in full never late, paid as agreed never late but continues to show XXXX balance as past due over 120 days with no amount past due, which is impossible for XXXX balance to be past due. This reports negatively on report. Please investigate this as it has been 2 years of back and forth to rectify this matter.
Product: Debt collection

On XXXX XXXX, I wsa notified by my XXXX XXXX app I ad a debt collection reported on my XXXX. Upon checking my credit report on XXXX, I noted a debt reported from XXXX XXXX XXXX. I XXXX  that information and found it belong to XXXX XXXX XXXX XXXX XXXX XXXX. I called multiple times and on Wednesday XXXX XXXX I was able to speak with a collection manager there. She stated they sent a medical bill out multiple times to an address in XXXX XXXX, FL. I told her that is an old address, and that my most recent receipt of co-payment of {$5.00} on XXXX XXXX receipt # XXXX reflected my current XXXX, FL address, so I was confused as to why she would then send a bill in XX/XX/XXXX of XXXX to the wrong and old address in XXXX XXXX, FL. She was apologetic, and stated they turned it over in XXXX, XXXX less than XXXX later to a collection agency named " Credit collections USA '' and gave me there number. She wrote an email explaining the error of address to them as well. I called Credit Coll USA this morning XXXX XXXX, and initially they are refusing to delete the debt. I notified them I had not recieved correspondence of my consumer rights nor an itemized bill from them or the dental school as a result of the wrong address so the collections was incorrectly reported and Id like it removed. The collections company then stated I could pay in full the debt today and they will remove it 30 days later, but are refusing to provide me a written agreement of that. I reaced out to a lawyer who suggest I file HIPPA against XXXX XXXX XXXX, and write a consumer complaint against the collection agency for incorrectly reported debt, failure to provide me with a statement of consumer rights, failure to correctly contact about debt, HIPPA violation, failure to supply with itemized bill to prove debt is mine, and failure to provide written agreement and false promises to remove debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and remove a fraudulent account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have recently been a victim of identity theft, and the account in question was opened without my knowledge or consent. Below are the details of the fraudulent account I am disputing : XXXX XXXX XXXX XXXX XXXX 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

I am a consumer and I have been trying to get this inaccurate reporting fixed since XX/XX/2021. TransUnion, and XXXX  are well aware of my disputes however they keep saying that the information is verified and accurate. Originally XXXX agreed to remove the inaccurate info but the others keep showing the alleged debt and it is causing me stress and hurting my credit. I reached out to the actual debt collector about this alleged debt and they sent me account information that proves these credit bureaus are reporting inaccurate information. Also it has been well over 120 days, they only had 30 days to confirm this information. It is inaccurate and must be removed now.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX 
account number ending in XXXXXXXX XXXX XXXX balance {$990.00} has violated my rights. 
account number ending in XXXXXXXX XXXX  XXXX balance {$920.00} has violated my rights. 
account number ending in XXXXXXXX XXXX  balance {$0.00} has violated my rights. 
account number ending in XXXXXXXX XXXX  balance {$0.00} has violated my rights. 
account number ending in XXXX XXXX XXXX balance {$2000.00} has violated my rights. 
account number ending in XXXX XXXX XXXXXXXX XXXX XXXX Balance {$36000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXX balance {$600.00} has violated my rights. 
account number ending in XXXX XXXX XXXX  {$1000.00} has violated my rights. 
account number ending in XXXX XXXX balance {$250.00} has violated my rights. 
account number ending in XXXX XXXX {$450.00} has violated my rights. 
account number ending in XXXX XXXX {$460.00} has violated my rights. 
15 U.S.C. 1681 Section 602A I have the right to privacy.

15 U.S.C, 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. 

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

Equifax was subjected to a cyber hack, and while this was not their fault, they waited over 90 days to report the breach to the consumers and all that were affected. During this time period, it 's unknown how many people were affected and credits destroyed by possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and 143 million Americans, including me, had their personal information stolen.
Product: Credit reporting or other personal consumer reports

I received a signature loan from XXXX XXXX in XXXX and lost my job shortly afterwards. I told them my income had decreased and my monthly payments had increased such as rent and utilities. They closed the account after harassing me daily for 3 months to get me to pay with money I didn't have. Since closing the account and reporting to credit reporting agencies that it is closed and in collections they continue to increase the balance and negatively report the account to the reporting agencies to manipulate my score lower each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in XXXX XXXX, XXXX  has me listed for collections on my credit bureau reports for {$730.00} In or around XX/XX/2022. I noticed this when I recently pulled a soft credit bureau report on myself. I called them because I have no idea what this could be for and I was told that it was for a fitness club membership at XXXX XXXX XXXX XXXX. I have never lived in or near, nor have I ever even visited, XXXX XXXX or joined an athletic/fitness club . I have only lived in XXXX and XXXX XXXX  I informed XXXX XXXX XXXX that they have incorrectly added this collection to my credit bureau report and I was told that I would have to file a police report with the local police department and then email Allied the police report along with a copy of my XXXX  Driver 's License. This seems suspect to me and I shouldn't have to submit my personal information to some unknown entity to have their error corrected. For all I know this could be a scam and they are trying to get my personal information for further fraud. XXXX refuses to correct their error if I don't comply. I believe they are in direct violation of FCRA and I want this fraudulent fitness club collection removed from my all my credit bureau files immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a smart cash loan through with XXXX XXXX XXXX  by phone several days ago and was approve for {$1200.00} and per he money was applied to my account. On yesterday I applied for a unsecured loan of {$2000.00} online and did not receive any information back showing a application was submitted or pending. I called XXXX XXXX XXXX  this morning XX/XX/21, spoke to gentleman in the Retail Lending Department. He stated the system denied my application but he stated that I met the criteria for a unsecured loan and he was going to present it to the department that make the decision and someone will give me a call. I waited hours for a call and decided to call back to check the status an hour before closing. I called XXXX XXXX and request to speak to a Supervisor in the Retail Lending Department. I spoke to a Representative name XXXX ( Im not sure if thats the correct spelling ) but she had asked for my social security # and transferred me to a Supervisor name XXXX. Per XXXX the loan was denied for credit. I asked what does that mean because I have a credit score over 700 and have been approve recently for loans. I even ask if I could provide documents showing that my student loan & Auto loan was paid in full recently. Per XXXX, Experian is reporting no credit score. I asked how is that possible when I received loan approvals from other Lenders including the loan they had just given me. Per XXXX she can inform the lending department that have documents but she doubt that she will overturn the decision. XXXX did not give any loan # s or application # s for the loan that was denied. I have the loan # for the smart cash loan that was approved earlier this week.
Product: Checking or savings account

I strongly urge you to please look into Wise.com, the money transfer service. 

Wise transferred, say, approximately {$2200.00}, to a recipient, on my behalf. I recognized that the money amount was not accurate. It was {$240.00} more than the recipient should have received, based on other matters. I tried to get that {$240.00} back directly from the recipient, who refused. 

I then complained to my bank and they retrieved the full {$2200.00} from Wise. 

Wise then asked me to pay them back the {$2200.00} that they transferred to the recipient, since my bank had taken it back from them. 

I said : I'm happy to pay Wise {$2000.00}, but the {$240.00} needs to be disputed, because the recipient should not have it, and Wise should not have it. Nobody should have it, because it is misappropriately paid. 

Wise said : they can not dispute anything with the recipient, and it's too bad that I'll be missing out on {$240.00}, but it's not their business, and I just need to pay them the full {$2200.00}. 

What Wise is asking me to do violates FTC standards. Even if Wise has provided a money-transfer service to a customer, they can not knowingly ask that I, as a customer, erroneously send monies to them that have been deemed misappropriated. 

There needs to be a way to safeguard the consumer when a recipient has been overpaid. XXXX has a dispute process for instances like this one, and every other legitimate service does, as well. Why doesn't Wise.com? 

If I knowingly send Wise money that is not correct, not only would I need to raise a dispute against Wise, I would also need to file a complaint about their lack of consumer protections when transferring monies erroneously. 

Paying back money to Wise is correct, but paying them any monies with full knowledge that the count is erroneous, with ZERO mechanism on their part to relieve the error is extortionate. It needs to be reviewed by the FTC, and if it is a loophole affecting masses of consumers, then this is a class-action lawsuit. 

They can not, on the one hand, take the stance that " there's absolutely no remedy for erroneous payment processes, '' and then in the same breath suggest that " I remedy my erroneous payment process '' with them. 

Also, they argue that they're " just a money-transfer service, '' with no obligation to manage erroneous transactions, and yet they recently changed their name from XXXX to Wise, for the specific reasoning THEY gave stating that they are, quote : " MORE than just a money-transfer service. '' They are an international bank account in which consumers can manage monies in various currencies.
Product: Credit reporting or other personal consumer reports

I do not consent to XXXX verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the EDUCATIONAL COMPUTER SYSTE violation 's that EQUIFAX are furnishing with the account. Every marked/circle furnishing are violations of the Privacy Act of 1974, 15 USC 1681, 15 USC 1681e , 15 USC 1681b , 15 USC 1681n and 15 USC 1681a , 15 USC 1681c , 15 USC 6801, Family Educational Rights and Privacy Act, and 15 USC 1681s-2 .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

i understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Product: Checking or savings account

On XXXX the XXXX, 2023, I tried to access my checking account on line threw Direct Express and the call after getting my pin number and the last XXXX digits of my account I was also asked for my XXXX digit account number, something I had not had to do in the past and was put on hold with no one answering and I am kept lessening to music. I tried for days to connect Direct Express and they would disconnect my call. I can't reach nobody and the last time this happened someone tried to remember my account number and got my account closed. The last person that handled my card was a family relative. Now I can't contact the bank to find out what happened because I can't get any one on the phone. Now I can't pay none of my bills or rent.