23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The XXXX XXXX that I am being through because of this issue, has taken me to get XXXX  attention. The reason of this letter is that my credit is being extremely affected. I am very surprised and concerned by TRANSWORLD SYSTEMS INCS actions. I need you to take this matter seriously, and send me a response. 

Please read carefully the following violations that your company has committed under the California Credit Reporting Act : 1. TSI has re-aged the account. This has a big impact in my credit score, since account will be on report more than the time allowed by law.

2. FCRA inconsistent reporting.

3. failing to put accurate delinquency date.

4. failure to provide notice of adverse reporting.

5. Negligence.

6. unfair business practices. 

Account number:XXXX Opened : XXXX High Credit : {$700.00} My demand is that you DELETE THE ENTIRE TRADE LINE for this account base on the damages that I have suffered. 

See attached
Product: Credit card

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX and Chase for their failure to accurately report credit information, which has resulted in significant harm to my financial standing. Despite multiple disputes and provided evidence, they continue to knowingly report incorrect information, violating the Fair Credit Reporting Act ( FCRA ) and causing me severe financial and emotional distress. Due to these repeated violations and the harm caused, I demand that Chase be permanently blocked from reporting to my credit files. I am requesting that this complaint be escalated to all parties, Corporate offices, and Officers. 

Complaint Details : Double Reporting and Manipulation of Account Numbers by Chase Chase is double-reporting the same Chase Business XXXX XXXX XXXX under different account numbers, repeatedly altering the account details to ensure continued damage to my credit file. 

In a recorded call, a Supervisor named XXXX from Chase XXXX XXXX Department initially stated that Chase was reporting the accounts accurately. However, she later contradicted herself by validating that Chase was indeed double-reporting the same accounts with different account numbers. This direct contradiction demonstrates XXXX deliberate attempt to manipulate reporting practices while falsely claiming compliance. 

XXXX  Complicity in Reporting Inaccurate Information Despite acknowledging the inaccuracies, XXXX continues to report the erroneous data due to its business relationship with Chase. 

In a recorded call with Sham from XXXX XXXX Department, he admitted that the information was inaccurate but claimed there was nothing he could do because Chase kept verifying the disputed information. 

Sham referred me to the XXXX XXXX Department, where I spoke with a representative named XXXX. XXXX stated that XXXX could not remove the inaccurate reporting because Chase is XXXX 's business partner, and their agreement allows Chase to dictate the reporting. I am including XXXX and XXXX in this complaint so that they understand that a generic response from a dispute process from the data providers is not always accurate. 

Violations of the Fair Credit Reporting Act ( FCRA ) by XXXX and Chase Violation of 15 U.S.C. 1681s-2 ( a ) : Chase is knowingly furnishing inaccurate information to credit reporting agencies. 

Violation of 15 U.S.C. 1681s-2 ( b ) : XXXX has failed to conduct a proper reinvestigation despite clear evidence of inaccuracies. 

Violation of 15 U.S.C. 1681e ( b ) : XXXX has failed to maintain the maximum possible accuracy in my credit report. 

Violation of 15 U.S.C. 1681i : XXXX has not properly investigated my disputes, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX AUTO account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX To : Whom it may Concern, I was looking over my consumer report and noticed a few accounts that I need more explanation on. I'm seeing different dates on accounts that appear to be the same companies. I have asked them to verify these accounts in which they said was verified but didn't provide me with any proof of these accounts. Pursuing to 15 USC Section 1681i ( a ) if they can't provide proof of these accounts they must be deleted. Can you please check over these accounts and reach back out to me via email XXXX In Accordance with the Fair Consumer Reporting Act XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXXXXXXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

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

Accounts listed aren't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, XXXX XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX and EXPERIAN, 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 XXXX XXXX, US DEPT OF EDXXXX. EXPERIAN SHARED XXXX XXXX  AND US DEPT OF ED XXXX WITHOUT MY CONSENT. I DID NOT GIVE EXPERIAN WRITTEN INSTRUCTIONS TO FURNISH ENHANCED RECOVERY AND US DEPT OF ED XXXX
Product: Debt collection

XXXX XXXX or XXXX which ever name they are using currently has been told to stop calling cell phone number. They have been told verbally and in writing to not contact me they have no permission as does nobody or no company they represent may contact me all past present and future contact permission has been is and continues to be revoked. 

Portfolio continues to call using both manual and Robo calls from multiple spoofed phone numbers.
Product: Debt collection

Third parties have my personal information and have excessive inquires. I also received a letter that my information was exposed experian data breach. Please delete inquires and address that does not belong to me XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, XXXX XXXX XXXX XXXX XXXX Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX are showing two accts of mine being delinquent. Both Accts are paid in full and aren't late, they were never late. This has gone on for far too long. I have reach out to the bureaus numerous of time with letters and phone calls. And I never gave them written consent to report my credit. This is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried reaching out to Equifax by mail on XX/XX/2021. I did not receive any response back from Equifax, so got an affidavit of truth written up. Then I mailed it in to them on XX/XX/2021, after having it notarized and signed. It is now XXXX, XXXX, 2021 about 2 months later and I still have not heard anything back from Equifax. When doing some research about the laws I have, I found CFPB. So I am requesting that CFPB please reach out to Equifax and have them fined for not upholding the law O.C.G.A. 15 usc 1681a ( d ) ( 2 ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SS XXXX XXXX I am filing a CFPB complaint on my own behalf it is my legal right to do so. I am not an attorney or a third party. I am a victim of ID Theft. 
I reviewed one of my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Please delete the fraudulent accounts My name XXXX XXXX XXXX XXXX XXXX Please delete any other variations of my name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX  XXXX XXXX  XXXX Please Delete Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please Delete Phone Numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My Phone number is : ( XXXX ) XXXX PLEASE DELETE HARD INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint again to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX Balance : {$43.00} ; XXXXL XXXX Balance : {$32.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XXXX FIN XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX CXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I used Zelle to make a purchase of approx {$1000.00} in 2020 & fell victim to a scam. Upon reporting this to my bank they said since I approved the transfer there was nothing they could do. I was not adequately warned by Zelle nor were my rights protected by my financial institution. I am now aware this issue happened to not only myself but many others & financial institutions used unfair practices to take advantage of myself & consumers alike.
Product: Credit reporting or other personal consumer reports

Loans were XXXX a long time ago and this has not been reported to the credit bureaus. My balance is now XXXX however the credit bureaus are still showing that I have many thousands of debt. Some of the loan balances have not been updated since XXXX. The one that was updated in XXXX still shows incorrect information.
Product: Credit reporting or other personal consumer reports

Gold star hasnt complied with FDCPA by way of not providing right to dispute nor debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX  and the other bureaus were contacted due to them " wrongfully '' deleting ( 2 ) open and exceptional accounts with my XXXX XXXX XXXX XXXX Representative- XXXX ID # XXXX XX/XX/XXXX, XXXX I spoke with creditor XXXX XXXX XXXX representative XXXX in the consumer department and explained the situation to him. He mailed a letter providing account details on my behalf to have my " wrongfully '' deleted accounts reinstated and accurately reflecting. ( This negligence affected my scores for 3 weeks and consumed over 10 hours of my time ) XX/XX/XXXX, XXXX XXXX XXXX Credit card department representative XXXX confirmed that a letter was mailed on XX/XX/XXXX and that an off cycle electronic reporting was completed on XX/XX/XXXX. 

XX/XX/XXXX, XXXX My paid subscription with XXXX  that allows me to access my fico score across all three bureaus, updated all three. Both accounts are back in my file BUT THE PARTICULAR ACCOUNT FOR THIS COMPLAINT WHICH IS MY CREDIT CARD DID NOT UPDATE ON MY XXXX. The balance shown is inaccurate and needs correction immediately and should not be delayed given the substantial amount of proof provided in the attached documents. 

XX/XX/XXXX, XXXX during the researching of my reports I decided to contact my creditor XXXX XXXX for the same account in question ( Credit Card ) and spoke with representative XXXX in the credit card department. XXXX confirmed that my highest balance ever reported on my account was for XX/XX/XXXX for the amount of {$2600.00}. All three bureaus has a high balance listed as {$16000.00} which is inaccurate, negligent, and defamation of character. 
If Bureaus are stating that the high balance of {$16000.00} is verified with creditor I require proof of that verification covering all the requirements listed below.

1. Method of verification ( How were the details acquired? If there was a direct contact person, list their names, titles, departments, phone numbers, and the date contacted, also list the bureau agent and Identification number that made contact ) 2. Proof of verification ( Present to myself as well as CFPB the documentation from the CREDITOR reflecting that you're reporting is accurate. If a vague response is provided here, I still require this be mailed to me so that it could personally use it as needed ) 3. Date of high balance ( Report this directly to this case, so that I may open a separate complaint with the corresponding monthly statement while referencing this complaint to direct CFPB to what you claimed here ) Exhibits A : XXXX - Emessage from XXXX XXXX confirming the reporting of the accounts to be reinstated on my files. Confirmation number included B : XXXX  - XXXX  report reflecting inaccurate current balance and inaccurate high balance with detailed cliff notes. 

C : XXXX XXXX report reflecting accurate current balance and inaccurate high balance with detailed cliff notes. 

D : XXXX - Transunion report reflecting accurate current balance and inaccurate high balance with detailed cliff notes.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to urgently seek your assistance with a serious matter that has adversely affected my credit report and, consequently, my financial wellbeing. I have been erroneously associated with a debt from Volkswagen Credit for the amount of {$67000.00} with which I have never conducted any business. This mistaken entry on my credit report has caused significant harm to my creditworthiness and undue stress to my family and me. 

Upon noticing an unfamiliar vehicle purchase on my credit report attributed to Volkswagen Credit, I immediately took action to dispute this entry with the credit bureaus and directly with Volkswagen Credit. Despite my efforts to rectify this error, including requests for any documentation or signed agreements that could substantiate such a claim, Volkswagen Credit has consistently refused to provide me with any proof. Their justification for denying my requests is that I am not the individual associated with the account in question. This response only adds to my confusion and frustration, as it raises the question : If I am not the person associated with this account, why then does this erroneous entry appear on my credit report? 

This situation has placed me in an untenable position, where my financial integrity is questioned due to an error not of my making. The refusal of Volkswagen Credit to address my concerns or provide any form of documentation only exacerbates the issue. It is clear to me that this constitutes a wrongful reporting of debt, and I firmly believe that I do not own this debt. 

The impact of this dispute goes beyond a mere numerical score ; it affects my ability to secure loans, obtain favorable interest rates, and, most importantly, maintain financial stability for my family. Therefore, I implore the CFPB to intervene in this matter. I request a thorough investigation into this dispute with Volkswagen Credit and a prompt correction of my credit report to reflect accurate information. 

I have attached all relevant correspondence with Volkswagen Credit and the credit bureaus for your review. I am committed to providing any further information required to resolve this matter. 

Thank you for your attention to this pressing issue. I look forward to your swift action and resolution in favor of restoring my credit integrity. 

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

Late payments showing on my credit report that are not accurate, I have never been late on these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive called to dispute inquires as well as other inaccuracies on my credit report. Ive filed a complaint with cfpb that I mailed in proof and a dispute letter of complaints. Nothing was updated on my credit report. I spoke with XXXX, a representative, who refused to validate any proof of my mailings and allow me to speak with someone else. She refused to help remove those inquiries stating that she cant and it has to stay on the credit report for 2 years. Thats a lie and unlawful. 
15 USC 1681 ( permissible purposes for hard inquiries ) Inaccurate reporting under 15 USC 1681/ have to be removed. If nothing has been verified accurately or I have not been provided proof of how this has been validated, it has to be REMOVED. Its been over 30 days since. 


Credit bureaus get paid for all information that is reported, valid or non valid on your credit report so they do not take REAL steps to validate. I will be going above this to report all of this information
Product: Mortgage

We were looking at option to refinance, and Global Equity Finance through XXXX XXXX called me. It's funny that before even give me estimates, he already asked for personal documents which he reasoned is how they do it so he can quote me a good rate. 
I did submit them. I was given Loan Estimate twice. I said we are ok with the rate and we can proceed. 
Simultaneously I was dealing with another mortgage companies. he offered me a rate slightly higher than what Global Equity Finance offered. I could not pass offer of Global Equity, thus, i declined this.

We waited until after the memorial day weekend, and has been following up, only to find out that the person we were dealing with was terminated.

Because of the promise that was given to us, we missed other opportunities. We told them about the offer and showed to the new loan officer, and we were just told that we had a good offer, and then nothing! 
How would we know we are dealing with crooked loan officers? where is the check and balance there? How about the opportunities we lost!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that is it impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.