23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a XXXX from Synchrony Bank for a PayPal credit card. The XXXX stated the identifiable code for the cancellation of debt was " G '', which is " Decision or policy to discontinue collection. '' Due to this, I submitted a request to XXXX to remove this account from my credit report, they did not. I am requesting that this account is removed from all of my credit reports due to the fact that Synchrony Bank is discontinuing collection, issued me a XXXX and I am now liable for the amount of debt discharged on my taxes. The continued reporting of this account on any of my credit reports is not accurate.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit report with your bureau. Upon reviewing my credit report, I have noticed that there are late payments marked on my account, and I am writing to request their immediate removal. 
I understand the importance of maintaining a positive credit history, and I take full responsibility for any oversights that may have led to these late payments. However, I kindly request your understanding and consideration in removing these late payment entries from my credit report. 
WELLS FARGO DEALER SVC XXXX and I believe that my overall credit history demonstrates responsible financial behaviour and I am committed to maintaining a positive credit profile. The presence of these late payments is impacting my credit score adversely, and I am eager to rectify this situation promptly.

Please find attached supporting documents that provide additional context and clarification regarding the circumstances surrounding the late payments. I assure you that I am committed to ensuring timely payments moving forward. 
I kindly request that you conduct a thorough review of my credit report and take the necessary steps to remove the late payments at your earliest convenience. I understand that the accuracy of credit reports is crucial, and I trust that you will handle this matter with the utmost diligence.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the 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. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account instantly.
Product: Debt collection

My credit reported was updated today with a collections agency southwest credit systems LP. For  {$360.00}. I dont know who they are. I dont owe them any money. I have never had a signed contrat with this company Southwest credit systems LP. I did not receive any written notification of them attempting to collect a debt from me. I was not given the opportunity to dispute any debt with them. I was suppose to be notified by mail. They are destroying my credit character and worthiness. I want them to stop reporting to the credit bureaus immediately! I will take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I tryed to dispute these accounts back in XXXX XXXX XXXX, XXXX, and XXXX XXXX with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from XXXX  showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a XXXX XXXX XXXX  IL XXXX Reference number XXXX with the credit bureaus Experian, XXXX, and XXXX -Which one of them ( EXPERIAN ) confirmed the public record was verified by the court. I asked Experian to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership to look for a vehicle to purchase and the dealer stated that he was only pulling one hard inquiry. More than one hard inquiry was pulled unlike what was stated to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 with the same letter but to this day more than 45 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. I demand these errors be deleted immediately or I will take legal actions due to all the troubles you are causing me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Checking or savings account

I received a call from Wells Fargo on XX/XX/ stating that our card had fraudulent charges and that they needed to go over information with us to determine which charges were fraud. She went over several of my charges on my card and confirmed that the charges I had were mine and which ones weren't and then stated we needed to close the account and open another one. She sent me text messages that were from the wells Fargo number to confirm who I was and then proceeded to shut down my card and my account. After a few minutes she came back on and stated she was going to wire transfer {$25000.00} to a new account and do the rest after just to make sure it all goes through the correct way. So when she was done doing that we proceeding to go over shutting my debit card down when the call dropped. When I called Wells Fargo back they made me aware it wasn't them and it was a scammer and that they didn't know if they could get my money back. The number this person had called from was the Wells Fargo number as well as the text message as well as they were looking at my account statement while I was on the phone with them. This is a major security issue with Wells Fargo. When I first got on the phone with this person I called the number she was calling from on a different phone and it went to Wells Fargo so there was no way for me to know any difference. This is not my fault and Wells Fargo needs to get better security
Product: Debt collection

I saw I had a collection with a company that I never did business with. Once they sent me paperwork, I contacted XXXX XXXX ( Manager at XXXXXXXX XXXX XXXX  apartment and paid debt to original creditor. ) I do not owe this collection agency anything as the debt is not theirs. I signed no contract with said company and paid the original creditor XXXX Dollars. This is a violation of my rights.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Subject : Account Dispute Against NEW AMERICAN FUNDING I am writing to file a formal complaint against NEW AMERICAN FUNDING due to the lack of response to a credit dispute letter I sent on [ XX/XX/XXXX ]. 

I am writing you this letter regarding payments that were marked late by your company for the ACCOUNT NEW AMRCN FU ACCOUNT NUMBER XXXX following accounts on the following date ( XXXX ) : [ XXXX / XXXX ] [ XXXX/ XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX/ XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] [ XXXX / XXXX ] It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

These hard inquires are fraudulent on my consumer report, I did not mak these transactions
Product: Credit reporting or other personal consumer reports

I am filing this report for myself and this is not a third party. My name is XXXX XXXX XXXX and I am being taken advantage of by transunion, XXXX and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Checking or savings account

XX/XX/21 Disputed transactions unauth thru chime. There were XXXX transactions. They claim provisional credit can not be issued because some of the transactions within the claim are older than 60 days. The last statement which contained the first notice of the charges was XX/XX/XXXX at that point everything moving forward from XX/XX/XXXX should be eligible for provisional credit they are claiming because there are some transactions older than 60 days as of the date of my filing none of these are issued for provisional credit I asked then to split up the dispute for the ones older than 60 days and the ones newer than 60 days they have refused to do this I have quoted regulation e and they refuse to do anything further with this process except give out blanket emails and read a robotic statement on their computer
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Bank account or service

Since XX/XX/XXXX, I wanted to refi my mortgage, as I knew in XX/XX/XXXX, my Adjustable Rate mortgage would end, and I did n't know how the much the rates would be. I contacted Wells Fargo* ( my mtg. lender since XX/XX/XXXX ) and they told me they had no idea about the upcoming rates. Wells Fargo, never told me about the HARP loan, going into effect. In XX/XX/XXXX, *W.F.agreed to refi my loan. I had been paying around 8 %, but W.F. said they 'd give me a 6.75 % loan. I told them that rates were much lower, and they said I should take the 6.75 % rate, as they had no idea when the rates would change, and I 'd be lucky to get the high rate. I foolishly did so, and was never told about the HARP loan, that would lower my monthly payment, and would n't require an appraisal. I 'm now XXXX, retired, and would like the HARP loan, as I 've NEVER missed a payment, or been late on one. Also, I have a XXXX credit score. Surely, I deserve a lower rate & a HARP loan? Please help me.
Product: Checking or savings account

Dear CFPB, Today I got an alert from XXXX XXXX  that I have a credit due for a loan at FNB XXXX Bank. I have NEVER opened any account at FNB XXXX. This is a stolen identity or theft. I have attached screenshot of credit monitoring alert by XXXX.
Product: Student loan

For the last 2.5 months, I have been trying to certify myself for Public Service Student Loan Forgiveness through XXXX. ( XXXX XXXX XXXX ) I am a XXXX XXXX who is eligible to be recognized for this service in order to receive credit for student loan forgiveness. I had my HR representative complete the required paperwork in XXXX. They rejected the paperwork because we used electronic signatures with our military ID cards. We resubmitted with ink signatures. We were rejected a second time because the HR representative indicated that I work 40 hours per week but DID NOT check full or part time. She just wrote full time hours instead. The form makes it appear as though you choose between the two, NOT full/part time AND then write the hours. 8-10 weeks for paperwork to be rejected based on a preference for wet signatures and a box being left blank but answered in another section seems like a duplicitous attempt to avoid giving me credit for public service loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests regarding late payments that are being reflected on my consumer report and still have not received a response on XXXX I sent a CFPB request claim number XXXX and XXXX requesting PROOF of these so called late payments and stated LAWS that they are BREAKING by reporting INACCURATE information it has been well over 30DAYS I still have not received proof I DEMAND that ALL LATE PAYMENTS be REMOVED XXXX XXXX XXXX from my credit report and updated to show as positive. Account XXXX department of Education
Product: Vehicle loan or lease

I have attempted to access my online statements for months but have not been able to. I have called the lender, Ally Bank, multiple times and they refuse to send them to me. I don't know what is going on with the account besides their snapshot view which shows very little. They keep creating " reallocations '' for {$0.00} on my account, but I don't know why or what they are doing in the background and no one will explain it. I am extremely frustrated with this company. 
I want all documents including statements, payment history, reallocation history, notices, contracts, and title information sent to me. I will accept it via email at XXXX or via paper, but I want it as soon as possible so I can figure out what is going on. 
They also informed me they are not required to allow me access to my statements online or via paper, regardless of what I select, which is not true at all. I have changed to paper statements now, but I am not certain I will get them. I am on the phone again waiting for a supervisor after being hung up on twice and disconnected from chat once after the person on chat gave me information on another person 's account, including their SSN.
Product: Credit reporting or other personal consumer reports

Innovis requires phone number verification during the login process to the online account, as shown in the attached document. I successfully requested the removal of many old phone numbers, leaving only phone number A, which is currently my secondary phone number. Consequently, when I log into my online account, only phone number A appears for verification. However, I would prefer to use my primary phone number B for authentication in addition.

Innovis instructed me to contact my lenders to update my information with phone number B. Regrettably, after reaching out to three credit card companies, one mortgage company, and one auto loan company, all of them informed me that they do not report phone numbers to credit bureaus. Only XXXX  XXXX XXXX, which reported my phone number A to Innovis, was an exception. Nevertheless, the associated credit card was closed years ago, and I am not inclined to open a new XXXX  XXXX XXXX Credit Card solely for this purpose ( please refer to the attached document ). 

Innovis further requested that I provide a phone bill and driver 's license to add phone number B. Consequently, I submitted all the required documents, including my social security card. Upon receiving my letter, Innovis removed phone number A from the system ; however, several even older phone numbers appeared ( as shown in the attached document ), while phone number B is currently under investigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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, 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 redres for these violations.
Product: Debt collection

Comenity Bank Customer Service Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Request for Immediate Removal of Incorrect Reporting on Credit Bureaus for Account # XXXX Dear Comenity Bank, I am writing to formally request the immediate removal of incorrect information reported on my credit reports concerning my COMENITY BANKXXXXNWYRK & CO account XXXX XXXX XXXX ). Despite this account being voluntarily dismissed with prejudice, it is still inaccurately reported across all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Details of the issue are as follows : - Account Number : XXXX - Account Status : Closed Charge Off - Payment Status : Current This incorrect reporting is in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq., specifically under 15 U.S.C. 1681c, which mandates that any account information that is inaccurate, incomplete, or unverifiable must be promptly corrected or deleted. 

Enclosed with this letter are copies of relevant documents, including the dismissal order, my credit reports, and previous correspondence with your bank regarding this matter. 

Given the significant negative impact this incorrect reporting has had on my XXXXredit score and my ability to obtain credit, I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to seek their intervention in ensuring that Comenity Bank complies with the FCRA. 

I request that you address this matter immediately and confirm in writing that the incorrect information has been removed from my credit reports. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, Enclosures : 1. Copy of the dismissal order 2. Copies of recent credit reports showing the incorrect information 3. Correspondence with Comenity Bank regarding this matter
Product: Credit reporting or other personal consumer reports

Under 605B, this account must be removed ASAP. I'm really mad that it's showing up on my credit record when it's not even my account. Its presence has upset me, and I feel sick because of this situation