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

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following names are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number : XXXX XXXX and Equifax are not reporting this account, XXXXn is reporting an opened date of XX/XX/XXXX with a balance of {$67.00}, XXXX XXXX XXXX Account Number : XXXX XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX and Equifax are reporting an opened date of XX/XX/XXXX with a balance of {$1800.00}, XXXX XXXX ( XXXX ) Account Number : XXXX XXXX and Equifax are not reporting this account, XXXX is reporting a opened date of XX/XX/XXXX with a balance of {$230.00}, XXXX XXXX ( XXXX XXXX Account Number : XXXX XXXX is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX with a balance of {$490.00}, ORIGINAL CREDITOR Account Number : XXXX XXXX and XXXX are not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$150.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found inaccurate payment history on my Experian credit report concerning an account named XXXX XXXX XXXX XXXX with the account number " XXXX ''. The report indicates that my account was 30 days late in XX/XX/2017 and subsequently 60 days late from XXXX to XX/XX/2017. However, this is contradictory, as being 60 days late typically implies missing two consecutive monthly payments. To have four consecutive months reported as 60 days late suggests that eight payments were missed, which is not accurate. Despite my multiple attempts to dispute this with Experian, the issue has not been rectified ; they either do not investigate or report the inaccurate information as 'verified. '
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have discrepancies on my report in towns I never lived, and names spelled wrong on at least 2 of them which aren't mine and it is still showing information from when I was married and filed bankruptcy even before getting divorced in 2010 so none of that should be on there. Also, with the one showing I had late payments is false, I was never late with them, they had me set up on something I knew nothing about until they said I was 60 days late and then said oh our fault, but it's already been reported to credit bureau, nothing we can do about it. I want it off my record. I should have good credit ; no excellent credit and I am tired of not being able to even get a loan to fix my house up because the false information on my report. Thankyou.
Product: Credit reporting or other personal consumer reports

I am writing to request a thorough investigation into the reporting of my account, which has been marked as late on multiple occasions across all three major credit bureaus. 

Account Details : NAVY FCU, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late NAVY FCU, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late The negative impact of this reporting became evident to me following a denial for credit at XXXX , with the reason explicitly cited as the negative marks originating from your reporting. This incident has raised serious concerns about my future ability to obtain credit. 

In accordance with the Fair Credit Billing Act ( FCBA ), which stipulates that consumers have the right to request and obtain information about their accounts that have been reported, I am hereby requesting all pertinent information that your company has used as the basis for reporting my account as late. This includes, but is not limited to, payment histories, dates of alleged late payments, and any correspondence or notices sent to me regarding late payments. 

Given the serious implications of this matter on my financial health and creditworthiness, I expect that thirty days is a reasonable timeframe for your company to respond to this request. Should you be unable to provide the requested documentation, or if it is found that the negative reporting was indeed inaccurate, I kindly request that all such inaccuracies be rectified and that the incorrect information be deleted from my reports with XXXX, XXXX, and XXXX. 

I trust that your company will address this matter with the urgency and seriousness it warrants. Thank you for your prompt attention to this request, and I look forward to your cooperation in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX XXXX and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in XXXX and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is  XXXX years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over XXXX years on my file that is incorrect. I have disputed the record and it was not taken off.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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.
Product: Mortgage

I applied for, and was approved for, a mortgage. We went all the way through the loan process, issued the 72-hour CD, assigned a Title Company and Closing counsel who set up the closing date/location. Closing counsel also insisted that I wire all of the closing funds to her the day before the closing, which I did. On the day of the closing Wells Fargo left me - literally - sitting at the closing table and did not show up with the mortgage funds. It defaulted on the committed loan and put my deposit at risk - as well as my moving expenses - with no explanation and for no apparent reason. 

I filed a complaint with OCC, which referred me to CFBP. You contacted Wells Fargo and it issued a letter, which included no explanation whatsoever as to respond to why this happened, and refused to compensate any of my expenses, including the attorneys fees that I had to pay to the Wells Fargo lawyer who was holding all of my funds!. They pretended to not even know who their own agents are or why the closing process required the funds to be wire-transferred. Apparently CFBP acts only as a messenger service to shuffle complaints and responses back and forth, and does not act even when the response clearly does not address the complaint. I would never have imagined that a major bank could be this irresponsible, or that there is no government agency that is willing to take notice and protect the consumer.
Product: Checking or savings account

I filed my taxes on Credit Karma This year. Credit Karma offers to speed up the time of your refund if you allow them to open a Credit karma Visa card Issued by XXXX XXXX. I trusted Credit Karma, it is a Visa debit card and I also trust XXXX. So I allowed my refund of {$4800.00} to be deposited into this account. I received the card and used it for the first time on XX/XX/XXXX at XXXX in XXXX XXXX Florida for the amount of {$240.00}. I only used the card one other time on XX/XX/XXXX at a restaurant named XXXX, also in XXXX XXXX Florida in the amount of {$60.00}. I tried to use my card a few Days Later at a XXXX in XXXX XXXX Florida and the card was denied. I thought that was odd So I checked the cards status when I got home only to see that the card was bled dry by a bunch charges in Illinois and Wisconsin. I never lost the card, nor et any on have it nor gave anyone permission to use the card. These charges were totally foreign to me so I called the number on the back of the card ( XXXX ) to file a dispute. Maybe 2 days later I received an email on XX/XX/XXXX Stating that there was an update to the dispute I had made. I clicked the link which brought me to the Credit Karma website where it showed my negative card balance and a link to a PDF which I will attach. On the PDF is shows all the disputed transactions and a note at the bottom that more or less said that I authorized those purchases and therefore my claim was denied. It wasn't until that time the I realized the one of the charges on the was one I had made and was accidentally included in the dispute. That was the charge to XXXX restaurant on XX/XX/XXXX for {$60.00}. But the vast majority ( {$4500.00} ) was still fraudulent and stolen from me. They also stated the I have a right to any copies of the documentation they used to come to that conclusion and give a customer service number to call. I called the number to receive that information. I was a call center in the XXXX and the person I spoke to had nothing to tell me other than I will receive a letter in the mail which will have instructions as to how I can appeal the decision. There's no way they have any documentation of me giving permissions to use my card unless that document is also fraudulent. I would like to see that information.
Product: Credit reporting or other personal consumer reports

Delete the following undeliverable addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card

U S Bank upped the interest on my credit card because due to the XXXX, the company I own lost a lot of work, and I was only able to make the minimum payments for a while ... ..I was never 30 days late NEVER and always paid the minimum due ... ... today I get a letter from them that they are penalizing me even more and dropping my credit limit from XXXX to XXXX ... I have already called and cancelled the card ... ..and the card has been shredded ... ..
Product: Credit reporting or other personal consumer reports

ATTN CFPB- I am not asking you to send this information to TransUnion. I am requesting the CFPB take action on my request since TU continuously fails to take proper action.

Previous attempts have been made to obtain proof of verification for these items on my credit report. Each time TransUnion has come back with merely a " verified '' or " updated '' without providing any proof of what they received showing that i am personally liable for these accounts ( docs with my signature ) nor did they provide info such as the name of the person at each of these entities who verified the info, which is my right to request.

At this point, TU is in violation of the FCRA by failing to provide documentation showing a fair and complete investigation. Just because they add a note of " verified '' or " updated '' does not provide ANY proof that I am liable for these accounts, nor that they are mine.

As required by the FCRA Section 611 ( a ) ( 6 ), A statement of dispute must be included in my credit file regarding these items.

TU is in clear violation of FCRA law, and I demand that these items be deleted off of my credit report. After months of asking for proof, they have provided NONE and these accounts are not legally verified and are being reported erroneously, violating my rights as a consumer. 
XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX ( this account reporting twice, same account number - how is the VERIFIED? ) XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also XXXX despite XXXX XXXX under the FCRA, I have recently reviewed my credit report and found that the requested statement of dispute has not been included on XXXX XXXX  # XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This failure to comply with the FCRA 's provisions is unacceptable and constitutes a violation of my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agency-XXXX XXXX XXXX XXXX XXXX XXXX Acct # /Reference # XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy. In accordance with the fair credit Reporting Act ; XXXX XXXX XXXX XXXX XXXX Account has violated my rights.

604A Section 2- It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

The debt verification letter was sent via certified mail and required a signature from the debt collectors address and no response was received from the debt collector within 30days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/year> Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SCS Account Number : XXXX Original Creditor : XXXX XXXX XXXX Dear Sir/Madam , I am writing in response to your collection regarding the above-referenced account. I am requesting that you provide me with detailed verification of this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 
I dispute the validity of this alleged debt and request that you provide the following information to verify its authenticity : The name and contact information of the original creditor to whom the debt is allegedly owed. 
The original account number associated with the debt. 
The amount of the debt and the date it was incurred. 
A complete itemization of the debt, including any fees, interest, or other charges claimed to be owed. 
Copies of any documents that establish my liability for this debt, including but not limited to : a. The original signed contract or agreement. 
b. Any statements or invoices related to the alleged debt. 
c. Any agreements authorizing the assignment or sale of the debt to Sunrise Credit Services. Proof that you are licensed to collect debts in Florida and that the statute of limitations on this debt has not expired. 
A complete history of the account, including all payments, charges, and credits applied. 
Please note that this request is not a refusal to pay but a request for validation of the debt pursuant to the FDCPA. I am exercising my rights under the law to ensure that I am fully informed about this matter. 

Until such time as you provide the requested information, I request that you cease all collection activities, including but not limited to contacting me by phone or mail, reporting to credit bureaus, or pursuing legal action related to this debt. 
Please send the requested verification documents to the address listed above within 30 days of the date of this letter. If you are unable to provide the requested information, please confirm in writing that the debt is not valid, and that you will cease all collection activities. 
Failure to provide the requested verification within the specified time frame will result in my assumption that this debt is not valid, and all further collection efforts must cease. Any attempt to collect this debt without validating it violates the FDCPA. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation as soon as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. Sincerely, 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 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 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 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 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 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 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
Product: Prepaid card

I never got my middle-class tax refund card for California. The Tax board told me to call XXXX XXXX who was issuing the cards. I been given the constant run around from XXXX XXXX and XXXX XXXX XXXX and never got my {$700.00} card.It has been a hassle trying to get the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX is reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. It also includes XXXX XXXX XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX violating my Federally protected rights. To add to this, I did not give XXXX written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Debt collection

On XXXX I purchased shoes at XXXXXXXX XXXX XXXX online ( XXXX XXXX ). On XXXX the shoes were returned and credited. On XX/XX/XXXXXXXX I received a letter from State Collection Service. IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Stating I owed XXXX XXXX {$34.00}. They have my name and address and they are threatening that if I do not pay the past due fee, this will affect my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the inaccurate reporting of late payments by Experian for XXXX XXXX XXXX ( XXXX ). Despite my previous dispute, Experian continues to report XXXX0-day, 60-day and 90-day late payments, while other credit bureaus are not reporting this account at all. This inconsistency raises serious concerns about the accuracy and reliability of Experians reporting, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681b, consumer reports may only be furnished with a permissible purpose, and the inaccurate reporting of this account suggests Experian has not properly verified its legitimacy. Furthermore, per 15 U.S.C. 1681e ( b ), Experian is required to ensure maximum possible accuracy in its reports, yet the continued reporting of unverifiable late payments contradicts this requirement. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that inaccurate, incomplete, or unverifiable information be corrected or deleted, which Experian has failed to do. If Experian chooses to report this account, it must be accurate and compliant with the FCRA. I have already filed complaints with the FTC regarding this issue Experian may also be held liable under 15 U.S.C. 1681n for willful noncompliance, which includes statutory damages, attorney fees, and potential punitive damages. I demand that Experian immediately update this account to reflect PAID AS AGREED NEVER LATE or permanently delete the late payments. Failure to comply will not be ignored, and I expect a written confirmation of the correction or deletion without further delay.