23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Regarding case number : XXXX, I have disputed the validity of the debt SWC Group LLC is attempting to collect and have asked SWC Group that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Product: Credit card or prepaid card

I received a debit card from CashApp in the mail, which I never applied for. I did not activate the card as a I was suspicious this was a scam. I looked into it a bit and found reports that it meant someone has opened a cashapp account using my personal information. I attempted to contact cashapp, but have not received any response.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes and FTC report regarding these unauthorized and fraudulent inquiries on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these unauthorized and fraudulent inquiries and for assistance to remove them from my credit report immediately. They are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from a dealership that was a lemon. I returned the car made all the payments and XXXX XXXX still reported my payments late when in fact that is an error. I called them to clear this up and they said in there system this wasn't late. However on my credit it still is showing up that i was late. the Car is paid off and I was never late.
Product: Debt collection

I received threatening phone calls from Westwood XXXX. They also had a 3rd party person call and he stated he was a Sgt. With the Indiana State Police to my father and mother. He said he had a warrant for my arrest and needed to find me. He also left 3 intimidating and threatening phone calls on my voicemail. He threatened to show up at my place to " deal '' with me. My parents are old and he just about gave my mom a medical issue because he was so threatening to her. She was scared. 

I did pay all but {$200.00} of what was owed. My credit card was compromised and I had to cancel it. Immediately I started receiving threatening calls. Once again that they would show up at my house or my place of employment. I was not even given a chance to speak with them to explain the situation before the calls started.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Record on Experian Credit File Dear CFPB, I am writing to formally dispute an inaccurate 30-day late payment record on my Experian credit report. The record was reported by XXXX for the account ending in [ XXXX ] and is incorrect, as my payments for this account have always been made on time. 

I have contacted both Experian and XXXX to resolve this issue, but no action has been taken to correct the error. I am requesting your assistance in investigating this matter and ensuring the inaccurate late payment is removed from my credit file. 

To support my claim, I have attached the following documentation : A copy of my Experian credit report with the disputed late payment highlighted This error has negatively impacted my credit score and financial reputation. I kindly request that the inaccurate late payment entry be removed and my credit report updated accordingly. 

Please let me know if you require additional details or documentation to resolve this matter. I can be reached at [ XXXX ] or [ XXXX ]. 

Thank you for your time and assistance in ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Last time account was updated was XXXX when I contacted your company so again my balance have not been updated showing no data on my credit since you were last involved nearly XXXX  months at {$530.00} per month
Product: Student loan

IrecentlyreceivedcommunicationfromCFPBindicatingmycomplaintaboutFedLoanServicingwasresolved.However,CFPB'sreplydoesnotaddressrecently-identifiedissuesthatmyon-timepaymentsmadetoXXXXXXXXXXXXXXXXwerenotcountedtowardmytotalforPSLFduetobillingmistakesmadeonXXXXXXXX'part.ItalsodoesnotaddresshowFedLoanServicingwillcorrectproblemswithintheircall-insystemthatIhaverepeatedlyexpressedconcernoverandthatpersistwithinthatcompany.

InmyreplyIindicatedIwantedtoknowhowmanypaymentsarenotbeingcountedtowardmytotalforPSLF,howthosewillultimatelybeappliedtothetotal,andalsohowtheproblemsthatexistwithinFedLoanServicing'scustomerservicecall-insystemwillbefixed.Frommyperspectivethisbusinessisavoidingtheissue.

IfIneedtobeginaformalcomplaintwithXXXXXXXXXXXXXXXXoranotherbusinessentityIwouldappreciatereceivingexplicitguidance.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX
Product: Checking or savings account

XX/XX/2024 At about XXXX XXXX and lasted till just about XXXX XXXX. I woke up Sunday morning to a bunch of texts from PayPal asking for my pin code to log in. My email was full of transactions. I logged into my PayPal account and saw that there was over {$10000.00} missing. I immediately noticed the transactions that varied from {$4.00} up to {$2200.00} with multiple transactions for {$89.00} and {$890.00}. I then proceeded to change my password and transferred the rest of my money to a savings account. I opened a fraud case online and waited till XXXX XXXX  when their offices opened to speak with someone. They looked through my account and saw the charges and told me it would take 24 to 48 hours for an investigation. Not even 3 hours later I received an email stating that the charges were consistent with my spending habits. CONSISTANT? I have never in my life spent that kind of cash in a single day not to mention in XXXX and a half hours time. They refused to help and told me to pound sand as they were not returning my money. I asked to speak to a supervisor and was treated like I didn't matter. No empathy at all. Because I had used that site before it was consistent. 
I have filed a police report with the XXXX County Sheriffs Office Please help.
Product: Credit reporting or other personal consumer reports

These accounts are reporting fraudulently, please remove the immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

To Whom It May Concern : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I am not asking for an update, but I am demanding for this account to be deleted from my consumer report immediately because of these violations. 
XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please see screen shot below of inaccurate information being reported on my consumer report. 
Account Status for all three bureaus are not the same. High credit for all three bureaus is not the same. Credit limit for Equifax is missing but the other two bureaus have a number. Last reported date is all different across all three bureaus. Date of last activity are all different between XXXX and XXXX and Equifax last active date is missing. Date of last payment is missing for XXXX and Equifax but is being reported for XXXX. If you are getting the same information from the same creditor, why is the reported information on my consumer report all different or missing. High credit limit is vastly different across all three bureaus. These inaccuracies and incomplete missing information are a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ). I am demanding a complete deletion of this account off my consumer file immediately. 
Please see screenshot of inaccurate and incomplete reported information below : if the creditor is furnishing the same info why is the information different and/or missing. Please delete. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate and my information was exposed to a data breach. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately. 

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

I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX. XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, TX. XXXX XXXX, XXXX XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX Credit Bureaus, XXXX, TransUnion, and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you have any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm getting irritated since these elements from my report are still visible. You have not sent me any proof or documentation that has my signature.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and was shocked to see incorrect accounts listed, with no explanation as to why. It was unexpected, as I regularly review my report, and these errors were not there before. Thinking it might be a temporary glitch, I refreshed my browser, but the issue persisted. Therefore, I am requesting a detailed examination of the documents I submitted to ensure this problem is resolved permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since around XXXX 2017 I have been communicating with Suntrust Bank and I made them aware of the situation regarding my account. The Suntrust account and the vehicle financed with the Suntrust loan was ordered to be paid my my ex-husband but he failed to finance the car and pay off the account as ordered by the court. Since my account was late several times because of this I decided to contact XXXX to have the vehicle repossessed by the, sot hat they can get their money back. Me and my husband spoke to XXXX repossession department and provided them information about the whereabouts of the car so that they can reposes the vehicle and sell the vehicle, Since our first contact with Suntrust we explain the situation and explained then that we were trying to settle the account. The vehicle finally was repossessed and once again we contacted the repo department to have them auction sell the vehicle ASAP since we did n't not want to incur any more charges. however we were told that we have to wait. we obtained the information of the recovery department and we contact them and we were told that we had to wait to settle the account. Once the account finally was at the recovery department we were able to settle the account, the representative stated that the account was going to be reported as paid in full, we agreed to that and we sent the payment to settle the account, however the account is still being reported as " Charged off '' After all the communications that we had wit Suntrust they failed to acknowledge that we were trying to settle the account with them since my ex-husband failed to do what that was ordered by the court, and up to this date my account still shows as charged off when I was told that it will be reported ad paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I previously sent a letter on XX/XX/2022 and set another letter on XX/XX/2022 to follow up the previous letters I sent. As of todays date XXXX, XXXX, and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I need the following accounts corrected and if the Credit Bureaus chose to not comply with the simple request, I would greatly appreciate it if the Credit Bureaus would remove the disputed accounts from my Credit Report : XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Debt collection

I called conn 's to see what the outstanding balance was and they advised me they no longer had my account and that I would need to get ahold on their 3rd party they used to handle outstanding balances the woman I spome with  transferd me to a company called XXXX and I spoke with a man who told me I owed and at first he was very understanding and wanted to help but what caught my attention was when he said how many outs I had that I had a duplicate account I asked for my balance he said it was for {$1200.00} which is not correct when I told him that his deminer changed and was very pushy wanting me to agrre to a settlement and how it would be in my best interest I told him that I wanted to verify the account to make sure it wasn't a duplicate account like he had stated I told him I would call conn 's myself and he said he could get them on the phone like a conference I said ok he never did, he wanted my checking information so he could better assist me I refused to disclose that with him ultimately I hung up on him and called conn 's and told them what had happend they said therr was nothing they could do because XXXX purchased that out from them that I would have to contact them again I owe them {$630.00} they duplicated my loan and now want to charge me {$1200.00} how can they do this why do they want to charge that on my credit report it shows I owe one account for {$630.00} and one with the same account # for {$1200.00} conn 's seems to not have any information or knowledge about this how can companies do this or allowed to act in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted both XXXX and Navient in XX/XX/2018 to explain that Im a victim of identity theft. They continue to report this fraudulent information on my credit file despite my numerous attempts to have this issue resolved. On XX/XX/2018 i received a letter from Navient stating that these fraudulent accounts are mine. Again, they are not mine they are fraudulent. I have not opened these accounts and i didnt authorize the opening of these accounts. I would like both XXXX  and Navient to provide proof which supports their claim that these accounts are mine.
Product: Mortgage

Fairway XXXX  Mortage company has been processing my reverse Mortage since XX/XX/2020. My main contact was XXXX XXXX XXXX did not handle the processing of the application in a professional manner. 
The problem was that the tax forms submitted by me - were not numbers matching. No one at XXXX  could figure out what the problem was until XX/XX/2020. 

1. The processing department did not fully examine the files submitted before sending them to the investor. The first time the file was sent to processing was XX/XX/2020. No one at XXXX could figure out that the tax forms were not matching. If I was aware of the issue I could have resubmitted that paperwork immediately. Which is what I did in XX/XX/2020 once the issue was made clear. 

2. The manager, XXXX XXXX, was brought in to review the file but he never looked into the file to find the problem. He also implied fraud because of my self- employment and the non-matching tax forms. Instead of telling me what the actual issue was. That was in XXXX XXXX. 

3. I was required to have my companys finances audited. Only to find out that because of the time lapse there audit was considered null. 

I have incurred fees because of XXXX requests. This includes {$1200.00} for a financial audit that XXXX stated is no longer valid due to COVID-19.