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

I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating XXXX stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from XXXX XXXX themselves as my proof. I have done everything that is required by me and I expect XXXX XXXX XXXX to do so also.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue with XXXX XXXX regarding my auto loan. Despite multiple requests, they have been unwilling to update my loan balance to reflect the correct amount. Ive written letters sent to the office as they requested no change. Since Ive had the loan they are still reporting my balance at {$17000.00} as of today XX/XX/XXXX, my auto loan balance is {$16000.00}. I have tried multiple times through all three credit reporting agency to dispute and they keep denying to change the information saying its accurate and it isnt. I have made on time payments since having this loan since XXXX of XXXX. Which would decrease the loan amount not keep it at a high balance This is affecting my credit report and my credit score isnt going up because of this I kindly request your assistance in addressing this matter and ensuring that the accurate loan balance is reflected in my records. Any guidance or support you can offer would be greatly appreciated. 

Thank you for your time and help. 

Sincerely, XXXX XXXX
Product: Debt collection

Affidavit of XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX. 
XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, cc : Pennsylvania Attorney General XXXX cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting and has been reporting a XXXX XXXX XXXX  Charge off for years. I have repeatedly advised them that this account has been charged off. I received a 1099C that has been accepted and filed on my tax return as income. Per the IRS publication 4681, reported ordinary income which can not be reported on a consumer credit report. Experian still is reporting it and states the account has been verified. This I know for a FACT is a lie because I sent them proof of the 1099c. If they did verify they would have validated my documentation. I am so over them and their lies to ruin honest working people.

I have sent them my 1099C as proof and the account still remains over a year ago and massive damage to my credit report. I have also requested they show proof of how they verified the debt and I have not received that information either.
Product: Credit reporting or other personal consumer reports

I was victimized by id theft, I did not authorize anyone to use my information, I have filed a police report, an identity theft report, and have mailed it to the credit bureaus. I called the credit bureaus and ask that fraudulent information be removed and it was denied. XXXX would not even remove the invalid personal information like addresses and SSNs etc. The following accounts are fraudulent XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX na XX/XX/XXXX, I have not given these companies permission to use my credit and it was not authorized and i did not benefit, I have tried to work with the credit bureaus to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Initial correspondence sent to Credit reporting agency Equifax , XXXX , XXXX XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of information.
Product: Checking or savings account

td bank already gives me part of the money back. that should be an thank you. td bank system had a problem, they dared to tell me I can't had an account there anymore. First time they closed my account ; they did the math wrong. the second time, I close my account myself because an unauthorized account was opened for me. this is the third time ; they closed my account and sent me an email and letter talking about XXXX is XXXX and XXXX XXXX and XXXX XXXX  had problem but problem those are authorized by the whole united states of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification from the 3 credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. 

Account name : XXXX Account # : XXXX Company : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX XXXX Account # : XXXX Company : XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number:XXXX Company : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

Account name : XXXX Account number : XXXX Company : XXXX XXXX & XXXX 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 rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am addressing several serious violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws that have negatively impacted me. 

Inaccurate Credit Reporting : My credit information was reported without proper verification, which is a direct violation of FCRA Section 616. This willful noncompliance is subject to civil liability of up to {$1000.00} per violation. 
Failure to Inform Me of Opt-Out Rights : Under FCRA Section 603 ( d ) ( 2 ) ( A ), you were obligated to disclose my right to opt out of sharing my personal information. Your failure to do so was deceptive and infringed upon my consumer rights.

Deceptive Reporting Practices : In violation of FCRA Section 623 ( a ) ( 3 ), inaccurate inquiries and accounts were reported without proper validation. Such actions are misleading and fail to align with Generally Accepted Accounting Principles ( GAAP ). 

Harassment by Debt Collectors : Creditors and debt collectors have engaged in unfair practices, including reporting inaccurate debts and accounts without my consent, which caused me distress. These actions violate the Debt Collection Practices Act.

Illegal Disclosure of Debt : Debt collectors disclosed information about alleged debts to third-party credit reporting agencies in violation of regulations prohibiting the sharing of debt information to acquire location data.

Inaccurate Late Payment Reporting : Late payments were reported without providing a clear definition of what constituted a late payment. This is misleading and violates regulations regarding Timely Payments. 

XXXXmproper Finance Charge Determination : You failed to accurately calculate and report finance charges on my accounts, violating your responsibility as a credit reporting agency. 

Unauthorized Reporting Without My Consent : My credit information was reported without my written consent, which is a violation of the permissible purposes outlined in FCRA Section 604.

In addition, there are multiple inaccuracies on my credit report that I have specifically detailed. These include : Incorrect personal information. 
Unauthorized hard inquiries. 
Unverified debts. 
I have formally requested the correction or deletion of these inaccuracies under 15 U.S.C. 1681 and demanded validation of debts under 15 U.S.C. 1692g. I have also cited case law, including XXXX XXXX Trans Union Corp., to underscore the liability for willful noncompliance. 

I expect immediate action to address these violations, including updating or removing inaccurate entries, validating debts, and ensuring compliance with federal regulations. Failure to resolve this matter promptly will leave me no choice but to pursue all legal remedies available to me under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

This is my formal and authorized dispute.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information that remains on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correctionincluding letters sent on XX/XX/XXXX and XX/XX/XXXX, XXXX inaccuracies have not been resolved. 

This lack of correction violates provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). I request that you investigate this matter immediately and correct the inaccurate late payment notation. 
Details of the Account and Discrepancies : High Balance : {$36000.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Closed Date : -- Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Open Payment Status : Current Creditor Remarks : Auto, Fixed rate Payment Amount : {$590.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$0.00} Account Type : XXXX XXXX XXXX XXXX : {$0.00} Two-Year Payment History : XX/XX/XXXX : 30 Days Late Summary of FCRA and TILA Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information. Additionally, 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction from your agency. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel if necessary. Please treat this matter with urgency and provide a response within the legally mandated time frame. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

My relationship with MoneyLion ended in XXXX when I paid back my loan debt, which was the only debt I owed them. MoneyLion states that their loans are the only obligations that need to be repaid. According to their terms, repayment of XXXX is not required. 

However, on XX/XX/XXXX, they withdrew {$230.00} from my account for an XXXX that they claimed I owed from XX/XX/XXXX. I never gave them permission to take this money, and since I wasn't obligated to repay the XXXX, I was not prepared to pay it back yet. 

Currently, I am experiencing financial hardship and can not afford to repay them. They took this money without my consent and without clarity about their intentions, despite their statement that repayment of XXXX is not mandatory. I want my money back, but they have informed me that they will not return it. This feels like theft, and they are violating the terms and agreements they set forth.
Product: Debt collection

CALLER IDENTIFIED HERSELF AS XXXX XXXX WITH PROCESS SERVER. SAID I WOULD RECEIVE A SUMMONS IN A FEW DAYS. I DO NOT KNOW THESE PEOPLE NOR DO I OWE THEM ANY MONEY. THEY ALSO CONTACTED MY MOTHER IN LAW WITH THE SAME MESSAGE. BOTH WERE LEFT AS VOICEMAILS. CALL CAME UP AS " UNKNOWN CALLER '' BUT IT GAVE A CALLBACK NUMBER IN THE MESSAGE OF XXXX
Product: Mortgage

My wife and I work for the XXXX  XXXX  in XXXX XXXX, NV. The coronavirus has shut down the XXXX  we work for. I called Provident Funding about the cares act the the President just signed. They offer 6 month forbearance but then the 7 month all 7 payments are due. Then if you can't make that you can see about a modification are some kind of payment plan. I fell this was not how the law was meant to be interpreted. They do not want to work with me. I inquired about a 3 month forbearance where they put it on the end of my loan. I was told they have investors to satisfy.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Trans Union failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFOB ) has recently filed a lawsuit against XXXX, XXXX, and Trans Union, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX, and Trans Union has neither corrected nor removed disputed accounts, as XXXX, XXXX, and Trans Union 's inaction violates federal law and my rights as a consumer. 
I sent certified mail to XXXX, XXXX, and Trans Union, my payment history showing full payoff with {$00.00} balance, the letter of payoff and title lien release from XXXX XXXX  on or about XX/XX/XXXX, and again on or about XX/XX/XXXX for the amount of {$27000.00} is showing on my credit report that XXXX, XXXX, and Trans Union, failed to correct and remove from my credit report. 
Also along with the above documents I sent payment history, account payoff, and closed account showing {$00.00} balance owed for XXXX XXXX Which XXXX, XXXX, and Trans Union, did not remove {$5200.00} showing owed on my credit report, shows I am late and failed to investigate, even with proof of full payment and payoff of my accounts to all three credit bureaus. 
Also along with the above documents I sent payment history, account payoff, and closed account showing {$00.00} balance owed for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Trans Union, did not remove {$1800.00} showing owed on my credit reports, shows I am late and XXXX, XXXX, and Trans Union failed to investigate, even with proof of full payment and payoff of my accounts. 
XXXX, XXXX, and Trans Union, has not sent me any responses back to any of my disputes nor correcting the disputes and recently pulling my credit report in XX/XX/XXXX it still shows the discrepancies on my credit report.
Product: Debt collection

I asked them not to call my work twice now in writing. They have called my work 4 times within the last 5 minutes. The number they are calling from is XXXX.
Product: Credit reporting or other personal consumer reports

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit reports i have found multiples errors and inaccuracies on my report. I have tried multiples disputes letters and phone calls trying to get this resolved and gotten pushed to the side saying that everything they report is accurate which it is not. I have multiples different spelling of my names, numbers on me that's not mines, a spouse that definitely does not belongs to me and lets not get started on the addresses that are on file. By law they are required to have correct and accurate information and they do not this have cause a lot of trials in my life with getting things done in my name.
Product: Credit reporting or other personal consumer reports

I checked my credit report recently and it shows i have late payments to my XXXX XXXX XXXX XXXX. Which is weird to me becauae im on thr credit protection program and they have been making my payments for 3+months. please see attachments
Product: Money transfer, virtual currency, or money service

i was approached by 4 individuals who asked for money sent through zelle, and had my phone taken at which point it was unlocked at which point the charges were made. zelle was unhelpful in undoing the charges
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Checking or savings account

I deposited a check from a business I own to a Bank of America in XXXX XXXX XXXX, XXXX, Texas in the amount of {$100000.00} on Sunday XX/XX/XXXX with a deposit date of XX/XX/year> to checking account XXXX. The check funds were paid from my business account on XX/XX/year>. The funds have not been released to me on XX/XX/year>. I called Bank of America this morning and they said the check still has not cleared. They have placed a longer hold until XX/XX/XXXX. This was after multiple conversations with Bank of America. I have included copies of my deposit and showing where the funds were released from our separate XXXX Account at Bank of America
Product: Credit card or prepaid card

Bank of america made up ( lied ), perhaps even committed fraud, when they composed a letter of unauthorized chargers on my credit card account. They told they sent me their standard automatic denial letter. The letter stated i had visited the merchants previously but i have NEVER.
Product: Credit reporting or other personal consumer reports

my credit score dropped XXXX points from another XXXX XXXX charge that i was not even aware of. i only XXXX XXXX XXXX XXXX XXXX XXXX and i talked to the XXXX XXXX XXXX XXXX XXXX she only mentioned to me i owed just XXXX $ now the credit bureaus are stating i owe XXXX XXXX {$2800.00} on XX/XX/year>. I called XXXX XXXX to ask about this, they claim its a another fee just now being reported to my credit after 4 years.