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

I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XX/XX/2021, however, the account payment status is late. The account payment status CAN NOT be late on an account that has been closed for a YEAR. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing consumers because I contracted XXXX XXXX and I was gravely ill before that my car was broken into my social security card, credit cards and identify was compromised, which cases incorrect reports on my credit report. XXXX XXXX XXXX  XXXX ) is showing {$600.00} debt that is incorrect/fraudulent transaction I never got a loan with speedy cash needs to be removed off my credit history, XXXX  shows {$110.00} which isnt correct I get essential Internet I have uploaded my bill showing thats not correct needs to be removed and XXXX XXXX XXXX was stolen including my social security card, unauthorized transactions and I filed on my insurance for theft & police report was submitted.
Product: Checking or savings account

I am filing a complaint against Wells Fargo due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Wells Fargo failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I received an email from my paid credit monitor service that a bankruptcy was reported on all 3 credit bureaus. so I called each bureau and ask them who reported this information. everyone lied to me and told me the court reported it. So I sent a letter to court asking them why did they report this to XXXX, XXXX and Experian. The court mailed me a letter stating that they will never report any information to any of the credit bureaus or any 3rd parties nor has business with any of them. 

So I mailed a certified letter and priority letter to each credit bureau also to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. along with that dispute was an attachment of copies of my social, ID and proof of address along with the copy of the letter the court mail me stating they don't report to none of them nor has business with any of them. 

The dispute letter was me Demanding for the bankruptcy to be deleted immediately. It has now been over 30 day and i haven't received any response in the mail. But on my paid credit monitoring service it shows my investigation is completed and verified as accurate. 

The listed companies above is in clear violation. And someone is not doing there job. 
This is a violation with the Privacy Act of 1974 This is a violation with the FCRA This is a violation with FCRA 611 ( 15 USC 1681i ) This is a violation with FCRA 623 ( a ) ( 5 ) This is a violation with 15 USC 1681a ( e ) This is a violation with 15 USC 1681b ( a ) ( 2 ) This is a violation with 15 USC 1681c ( a )
Product: Credit reporting 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.

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

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

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

MY PERSONAL INFORMATION WAS EXPOSED IN A DATA BREACH, SOMEONE HAS STOLEN MY PERSONAL INFORMATION AND USE IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE FRAUDULENT AND INCORRECT ACCOUNTS FROM MY CREDIT REPORT. THANK YOU.
Product: Credit reporting

My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within XXXX mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Massachusetts XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX RE : Credit Report Dispute under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) Dear Equifax, I am writing to formally dispute the reporting of closed accounts on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request that you investigate the following issue : 1. Lack of Written Consent : Under 15 U.S.C. 1681b, a consumer report may only be furnished under certain permissible purposes, typically requiring either the consumers written consent or a clear legal basis. I never provided written consent to any business to obtain or furnish my information regarding the closed accounts listed below. Therefore, I believe these accounts are being reported without a permissible purpose or authorization. 
2. Request for Deletion of Inaccurate/Unauthorized Information : Because I have not given written consent for these specific closed accounts to be reported, and they do not appear to meet the permissible purpose criteria, I request that you delete all closed account information from my credit file. Please remove these accounts and send me an updated copy of my credit report once the investigation is complete. 

Below are the details of the closed accounts I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please investigate this matter and delete the unauthorized information from my credit report. In accordance with the Fair Credit Reporting Act, you have 30 days to complete your investigation and notify me of the results. Please send an updated credit report reflecting the changes once these items are removed. 

If you determine that the information can not be removed, please provide me with a detailed explanation and the method used to verify the accuracy or permissible purpose of the information in question. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
For the record, the following information is being erroneously included on my credit report. If you do not immediately remove this fraudulent and incomplete information, I will file a formal complaint with the CFPB. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Inquiry : XXXX XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Inquiry : XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File under federal law ; you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft my credit report is bogus and they refused to clear my report of all fraud!!!
Product: Money transfer, virtual currency, or money service

I called USAA for a cashiers ' check on XXXX for deposit on a new home. They confirm that it was delivered, but I never received it. Since the funds were already taken out, I now have no money for the deposit for the apartment and will become virtually homeless as a single dad with two kid, all because USAA will not own up to their mistake. They will neither assist with check cancellation or reimbursement for the funds, as their policy states clauses that prevent them from assisting me in any manner. I had asked them if they can assist by providing me the money so that I can pay for the deposit ( and when they cancel the check, they can deposit it to themselves ), but they are not willing to come to any compromise on this situation. This is my last resort to find any type of resolution.
Product: Debt collection

I have identified information that are a result of identity theft .I did not consent to authorize nor benefit from the use of my information being used.
Product: Debt collection

This original creditor is still on my credit report as a closed account XXXX XXXX  6 POTENTIALLY NEGATIVE MONTHS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  But LVNV Funding is reporting the same account as a collection LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX XXXX  Balance details 0 % paid off Balance {$530.00} Balance updated XX/XX/XXXX Original balance {$530.00} Account info Account number XXXX Date opened XXXX XXXX, XXXX Account type Debt Buyer Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND If a consumer 's credit report shows a closed account under the original creditor and also as a collection by a collection agency, it could be seen as a duplication that may mislead the reader to believe there are two separate debts. This would be a potential violation of the FCRA 's accuracy requirements.

the FCRA that are potentially violated in this situation involve ensuring the accuracy and completeness of credit reporting, particularly Sections 1681e ( b ) and 1681s-2.
Product: Credit reporting or other personal consumer reports

In XXXX  we purchased two air conditioners from Lowes. We purchased them on the 0 % interest plan. In XXXX  at the end of the term we paid off the remaining balance of approx {$3500.00}. Due to an error, the payment left a {$20.00} balance on the account. I do not recall anyone contacting me to address this extremely minor aledged shortage. Why would they think my intent was to defraud them for {$20.00} when I just made a final payment of {$3500.00} Lowes and Synchrony bank proceeded to send derogatory credit reports to the Credit reporting companies which significantly affected my credit score and cost me money due to undesirable interest rates. Late payments were recorded for XXXX - XXXX of XXXX and a charge off was recorded for {$20.00} on XXXX of XXXX. Not only is this amount of charge-off negligible but the late charges were in contradiction to Lowes policy that if the amount of less than {$50.00} it will not be reported to the credit agencies. I learned this by talking to the customer representatives. 

In XXXX of XXXX  I disputed the charge. Lowes and Synchrony Bank reviewed my claim and responded that they had reported the information accurately. In doing so they had my credit report updated to reflect that the charge off had occurred on the date I had disputed the charge. Apparently go retaliate against me disputing the charge in the first place. I know that these departments receive bad marks if they report inaccurately so it is not in their interest to admit a mistake. Now the XXXX credit report shows the late payments as stated above and a charge off of {$20.00} 38 months after it actually occurred. This charge off will remain on my credit report for another 7 years. 

Approx 6 weeks ago I contacted Synchrony Bank and explained the situation. They had indicated that this was indeed a mistake and that they were submitting a claim to have it removed. The premise for acknowledging the wrongdoing was 1- the balance ( {$20.00} ) was it was below the amount they will report ( {$50.00} ) and 2- that apparently there was some kind of a system upgrade and the data conversion may have made the mistake. Despite this, I subsequently received a letter from Lowes and Synchrony Bank stating that the information had been reported correctly and that no changes to my credit report would be made. 

On XX/XX/XXXXXXXX  I again contacted Synchrony Bank at the number indicated on the letter - XXXX. I spoke to a representative XXXX # XXXX. XXXX was not very helpful and did little to help figure out a solution. While he would admit the amount was not large enough to report to a credit bureau, and that the charge off date was indeed XX/XX/XXXX, he did little to help. I would suggest Synchrony listen to the recording to learn from this experience. This type of customer experience is deplorable. He only interrupted me and said the only thing I could do was to write a letter! In this day and age, they want a letter. Probably by fax. 

I am now left with no confidence that Lowes and Synchrony bank will fix this error and as such I feel this complaint is my last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to verify the Charge Off / Closed account and balance amount being reported for HSBC BANK pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.
Product: Credit reporting or other personal consumer reports

Closed account on my credit file Need to removed immediately because it inaccurate information still shown on my credit file
Product: Debt collection

I have no knowledge of this debt and it is not mine.Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore they are reporting misleading false accounts
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my frustration, the late closed account and inquiries remains on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused significant stress and hardship. It is crucial that this inaccuracy is promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request that you would help me conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracy. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. Please help remove these items immediately : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash ( XXXX XXXX ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app has failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Transunion has yet to send over there requested information on validation of the bankrucptcy i have contacted the us bankruptcy court to get validation of the bankruptcy and was told there is no bankruptcy filed in my name with the case # transunion reporting, i have enclosed the letter from lexis nexus and well as the us bankruptcy courts informing me there is no bankruptcy filed. 

iam asking the this fraudulent all fraudulent items be removed at once from my TransUnion credit report.
Product: Credit reporting or other personal consumer reports

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX : XXXX
Product: Debt collection

On XX/XX/XXXX my wife and I brought our dog to the XXXX XXXX Hospital located at XXXX XXXX XXXX XXXX XXXX, NY XXXX. After our dog was seen by a vet, we proceeded to the front desk and checked out, as we normally do. At the desk we were given the bill, and once paid, given the discharge instructions/ care report. 

On this visit, we had a bill of {$930.00}. I handed the front desk receptionist {$930.00} USC, and was then given the discharge paperwork and left. On or about XX/XX/XXXX I received a collections letter in the mail from Hunter Warfield XXXX XXXX XXXX XXXX. XXXX, FL XXXX ( XXXX ) XXXX. The collections letter stated that I owed them {$990.00} based upon a collections debt from XXXX XXXX Hospital. I immediately contacted Hunter Warfield to discuss this letter. Ms. XXXX XXXX from Hunter Warfield advised me that their company was hired by XXXX XXXX Hospital from collection procedures. I advised Ms. XXXX that I paid this bill the date my dog was seen. Ms. XXXX advised me that I needed to contact XXXX XXXX Hospital as they have this as an " active '' debt. 

I contacted XXXX XXXX who advised me that I needed to contact their corporate office as they have nothing to do with this anymore. I attempted to locate a phone number for their corporate office, however was unable to find one. I was able to send the corporate headquarters an email, to which I did on or about XX/XX/XXXX. In this email I explained what transpired, to which I received an email back from the XXXX XXXX XXXX on XX/XX/XXXX stating that they will respond to me as soon as they can. Since that date I have not heard back from them. Today XX/XX/XXXX, I received another letter in the mail from Hunter Warfield again harassing me for " collections ''. 

As I advised both XXXX XXXX Hospital, and Hunter Warfield collections, I paid this debt, in full ( cash ) on the date of service. I also described in my email the description of the employee who took the money from me. 

In sum, this debt has been satisfied by way of payment in full on the date of service, and this collections notice is false/ incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX accepted into a debt management program. XXXX XXXX XXXX payments are made through XXXX XXXX XXXX XXXX XXXX shows account current every month through app as XXXX XXXX XXXX is paying the {$15.00} fixed paid agreement account shows current minimum payment met yet XXXX XXXX continuously reports late on credit see screenshot attached.
Product: Student loan

On XX/XX/year> my loans were placed on forbearance without my knowledge or consent. I requested to remove the forbearance the next day. 

On XX/XX/year> all my loans interest was capitalized, resulting in {$28000.00} being inappropriately capitalized. This will result in greatly increased monthly interest due to Mohela.