23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 

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

These credit bureaus aren't doing an investigation and asking for proper documentation to verify what their reporting is accurate. I'm asking for method of verification and I've submitted documents and I'm being told they can't accept my documents but they sent them to the companies. These credit bureaus make money off these companies reporting this information and have more priorities with them than the consumer. I would like to have a method of verification sent to me and I've yet to be provided this documentation. I have inquiries that aren't permissible and when I try and dispute them to get them deleted I'm told I have to file a police report or file a FTC complaint. The FCRA doesn't state this anywhere but yet the credit bureaus are allowed to use this false information as a way to not do a proper investigation. The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX, XXXX, and XXXX XXXX XXXX This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : FACTUAL DATA. 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 via FACTUAL DATA. Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to correct on my background that my most recent charge had been dismissed. All of the misdameanor charges regarding larceny have been disposed or dismissed. I am also asking for reconsideration on my XXXX application. Below I have attached proof of such. 
I realize that my past records have not reflected the best of me but I assure you that my best is not what you see on this background assessment. I had made poor choices but now as a father and a XXXX, XXXX, abiding member of society I am seeking to live a better life. I am very interested in a career at XXXX to continue bettering my life and the life of my family. 
Thank you for taking the time to review and reconsider my career opportunity.
Product: Debt collection

I rented XXXX XXXX XXXX XXXX it was a XXXX bed XXXX .I notice the XXXX had mildew .So I ask XXXX to fix it .They refuse I ask them to fix it or let me out of my lease XXXXThey let me out of my lease I was in the XXXX no more than 90 day .XXXX  and myself did a move out inspection they took pictures and I took pictures .I went to collect my deposit .they said that I left damages .I took them to court but the judge told me I can't sue XXXX I would have to find the owner of the apts .I call XXXX they gave me the run around not giving me no information .this was in XXXX XX/XX/XXXX XXXX. I received a letter from a collection agency saying they are collecting XXXX .I have proof which are pictures so this would be a fraudulent case attempting to collect from me Knowing they don't have proof of damage .XXXX never took me to court they went straight to collection. I spoke to collection and it's XXXX word against mines
Product: Prepaid card

On XX/XX/year> my parents purchased a Nordstrom gift card for {$150.00} for my graduation gift, with the receipt attached. I tried to use the card to make a purchase online today, XX/XX/year>, and it said the balance was {$0.00}, however I never used the card before and the activation code was not scratched off before today. The gift card has been in my possession since I received it. I called customer service and the agent informed me that someone by the name of XXXX fraudulently used the gift card bringing the gift card balance to {$0.00}. Nordstrom had recognized that this order was fraudulent and cancelled the order for the fraudulent purchaser but they stated that they could not refund me the {$150.00} to my gift card because these funds are treated like cash. I requested to make a presidential level complaint but they said that it was not an option. I am very upset because this was a gift from my family, Nordstrom is aware that this was used fraudulently, and they still refuse to make it right. I do not live near a Nordstrom store. I offered to digitally send them the photo of the receipt for the gift card purchase. I dont know what to do and would like to utilize my gift card. Please help.
Product: Payday loan, title loan, personal loan, or advance loan

THIS BANK HAS TRIED TO CONTACT ME VIA TEXT MESSAGE. I DONT KNOW WHAT DEBT COLLECTOR THIS IS.. I HAVENT GOTTEN ANY NOTICE FROM THEM AND YET THEY HAVE MY INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is this account on my XXXX  and XXXX  credit files that I do not recognize, the account is showing with a status charged off but the problem is that I never had an account with this company called JPMCB AUTO FINANCE, the account number that it is being reported is XXXX and there is no phone number being reported and it is also showing that the account was opened on XX/XX/2013. I have disputed this account with XXXX  and XXXX  and for some reason they tell me that the account was verified as accurate. XXXX  and XXXX  are reporting this account as charged off, I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want JPMCB AUTO FINANCE to provide me with the original contract that has my signature on it or for the account to be deleted from all of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a delinquent amount reported by XXXX, XXXX, and Transunion the company reporting the late payment is XXXX XXXX for the Month of XXXX 2022. I have not made any Late payments and I have disputed this matter with the Bureaus. I have requesting documents supporting theirs decision and the companys lies have failed to respond with supporting documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX  XXXX PA XXXX Subject : Request for Removal of Inaccurrate Late Payments Information Dear Transunion, I am writing to dispute the following inaccurate information on my credit report. The details of the account in question are as follows : Account Name XXXX XXXX Account Number : XXXX Account Status tab states account was paid closed XXXX  days past due and does not match with reported monthly on time payments. 

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1666B, I am entitled to have accurate information on my credit report. The late payment status reported for this account is incorrect. This account has always been paid in full and on time.

I have never been late on this account and I request that the inaccurate late payment information be removed from my credit report immediately. Transunion will provide you with an updated credit report along with this dispute that supports my claim. 

Please investigate this matter and update my credit report to reflect the accurate status of this account as " Paid in full, Never Late. '' Kindly send me a confirmation once this information has been corrected. 

Thank You for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo removed/froze all of my money in my bank account in XX/XX/2020. I am requesting that Wells Fargo find out from XXXX XXXX  XXXX ( the law firm Wells Fargo stated they gave the money to ) who XXXX XXXX  XXXX gave the money to or do they still have the money? This letter provides to XXXX XXXX  XXXX and Wells Fargo the authorization to release this information to CFPB and to myself in case this authorization is necessary.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 and so on.
Product: Checking or savings account

I received a promotional offer from Chase Bank to open a business account and receive {$300.00} bonus after meeting certain requirements. I was promised a Debit Card and made sure that the banker knew the business address. 2 weeks after opening the account and the Debit Card has not arrived, I tried calling the bank several times and emailing the Banker who helped me open the account, On XX/XX/2020I went to the branch and spoke with the banker, he told me that the debit card  was sent to the wrong address, and a new card will be sent to the correct address. I made a deposit for {$1000.00} with a check from my personal account with XXXX XXXX. The check was cleared my XXXX XXXX  account on the same day XX/XX/2020. Chase bank put a hold on {$770.00} until XX/XX/2020. on XX/XX/2020 I received an email from Chase bank with a letter indicating that the bank decided to place the deposit on hold until XX/XX/2020. 
I needed the money sooner and I spoke with the Branch Manager Mr. XXXX XXXX regarding this issue. Mr. XXXX was condescending and telling me " BUDDY Go Sit There ''. I decided that Chase Bank is not a bank I would like to have my new business, and asked Mr. XXXX to close the account so I don't have to drive again to the branch, and go inside at age XXXX I don't get close to people unless it's necessary even with a mask on, I am at risk groups being of XXXX decent and XXXX Year old. Mr. XXXX informed that he's not going to close the account until the hold is lifted. When I asked for his supervisor, he kept me waiting for over 20 minutes to give me the phone number of his supervisor, I went to my car and tried to call the numbers Mr. XXXX gave me, they were FAKE numbers. I am so disappointed with Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I have requested a description of the procedure used to determine the accuracy and completeness of the information reported on my consumer report pertaining to a public record. The response I received from the results was that the public record has been verified. The original furnisher, US bankruptcy court sent me a letter stating that they do not verify or report to credit agency. Just because something is public record does not mean the credit bureau is allowed to report it, they must first verify it. The credit bureau is not lawfully and accurately investigating my dispute. The research they are doing is based on assumption of names and addresses from years past and with people with similar names. People with the same name and same address could be a different person. There are many people with the same names and date of birth. Social security numbers are redacted by law and so are many other personal information due to FCRA privacy rights. This public record is unverifiable and needs to be deleted. Please see attached document from the court.
Product: Debt collection

I am unaware of the debt or the company that they represent. However it did not stop them from contacting relatives and acquaintances about this alleged debt. They called and left messages as well. The woman 's name was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

my report says there is a late payment and a charge off and a collection account I dis agree with and unauthorized inquiries
Product: Credit reporting or other personal consumer reports

I have been disputing these negative accounts on my credit reports and have submitted FTC reports and police reports according to the FCRA. These documents are not being attached to my disputes and the process per the FCRA is not being followed. And I am not getting copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Consumer Loan

I financed a truck with my now ex-husband. In my divorce I received the vehicle and was making timely payments until I lost my job. The finance company came and got the vehicle. I paid what I was behind to get the truck back. After picking it up I discovered that the transmission had been destroyed in the towing process and would cost me nearly {$4000.00} to repair. The finance company and towing company refused to help me resolve the issue and I sent the truck back. The finance company now says I owe more than I originally financed, claims to have sold the vehicle but refuses to provide me with documents showing in detail what it was sold for and what I owe. They call me and harass me every day and still refuse to provide me with documentation, even though it has been nearly a year since they originally picked up the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXXerification of alleged debt pursuant to Section 609 ( a } ( 1 ) ( A ). 



This letter is being sent to you in response to a correspondence sent to me on XX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the XXXX XXXX XXXX XXXX XXXX requires that. the consumer disputes the debt or requests identification of the orig inal creditor in writing and that the collector must cease collection until he verifies the debt and mail a response. 
According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my abiity to obtain credtt. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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: Checking or savings account

THE US DIRECT EXPRESS DEBIT CARD PROGRAM HAS STOLEN {$35.00} FROM THE ACCOUNT. THEY HAVE NO DETAILS BECAUSE THEY SHOW THE AMOUNT AS A PREVIOUS ACTIVITY FOR XX/XX/XXXX, BUT THE ACCOUNT WAS NOT ACTIVE UNTIL XX/XX/XXXX WHEN MY SOCIAL SECURITY MONEY WAS DIRECT DEPOSITED TO THE ACCOUNT ; SO THERE COULD NOT BE ANY ACTIVITY IN ARREARS AS THEY CLAIM. THEY ARE NOT SUPPOSED TO ASK ME FOR VERIFICATION OVER THE PHONE ABOUT ACCOUNT DETAILS BECAUSE I SENT AN INTERNAL EMAIL TELLING THEM TO GIVE THE MONEY BACK ; BUT THEY CLAIM THEY NEED ME TO VERIFY BY TELEPHONE. SOCIAL SECURITY AGENT THAT SET IT UP TOLD ME DO NOT GIVE THEM ANY INFO OVER THE PHONE BECAUSE LOG IN IS MY VERIFICATION. THEY WILL NOT PUT THE MONEY BACK INTO MY BALANCE TOTAL WITHOUT ME GIVING MY PERSONAL INFO OVER THE PHONE TO THEM. THEY ARE CONTRACTED BY THE FEDERAL GOVERNMENT AND HAVE SET IT UP TO STEAL. THE ON SCREEN TRANSACTION HISTORY TOTALS ARE NOT EVEN ACCURATE BALANCES AT THE TIME OF TRANSACTIONS PROCESSED.
Product: Vehicle loan or lease

Ive been paying $ XXXX/month for a repossessed vehicle. I have not worked since XX/XX/XXXX due to hospitalizations and illness. I have nothing left to live on and it is very unfair. Im no longer working so there isnt anything to garnish. Im not eligible for unemployment so Im relying on others for assistance with necessities, my account has even been over drafted multiple times as a result of the $ XXXX/month. Ive contacted the number on the description, but this has been going on since XX/XX/XXXX if Im not mistaken. Someone please help me, I feel like Im drowning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cap One- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX Cap One- XX/XX/XXXX A computer glitch that was XXXX 's problem - not mine - caused my inquiries ( most were fraudulent and unauthorized ) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one? XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. Im asking CFPB to help my make XXXX stop victimizing me.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Re : Complaint Regarding XXXX XXXX XXXX, XXXX XXXX XXXX, and Credit Control , LLC Your Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Subject of Complaint : Disputed Debt Collection Practices Violation of Fair Debt Collection Practices Act ( FDCPA ) Violation of Fair Credit Reporting Act ( FCRA ) Details of the Complaint : I am writing to formally file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, and Credit Control , LLC regarding their handling of a debt that I dispute. 

On XX/XX/year>, I received a letter from XXXX XXXX XXXX, indicating that after investigating my fraud claim, the account referenced in their communication would be closed and not sold, and they assured me that the tradeline would be deleted from the credit bureaus. 

However, I received a debt collection notice dated XX/XX/year>, from Credit Control , LLC, indicating that the account has been sold to them for collection. This is a direct contradiction to the information I received from XXXX XXXX XXXX. 

Despite my attempts to seek clarification and resolution, these companies have failed to provide adequate responses or validate the debt in question. Their actions have caused significant harm to my creditworthiness and have left me feeling misled and frustrated. 

The specific issues I am experiencing include : 1. Inconsistent Information : The contradictory statements regarding the status of the account from XXXX XXXX XXXX and the collection notice from Credit Control , LLC. 
2. Lack of Debt Validation : Credit Control , LLC has not provided verification of the debt as required by the FDCPA. 
3. Credit Reporting Issues : Negative information related to this account remains on my credit report, despite assurances of deletion from XXXX XXXX XXXX XXXX 
4. Potential Violations : I believe these companies are violating my rights under the FDCPA and FCRA by continuing to pursue collection efforts and reporting inaccuracies on my credit report. 

Resolution Sought : I request that the CFPB investigate these practices and help facilitate a resolution. I seek the following : Immediate cessation of collection efforts by Credit Control , LLC regarding this account. 
Verification of the debt from XXXX XXXX XXXX and Credit Control , LLC, including documentation of the chain of ownership. 
Correction or removal of any negative information related to this account from my credit report. 

I have attached copies of relevant correspondence with XXXX XXXX XXXX and Credit Control , LLC, along with my previous dispute letters for your review. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account take over with my comenity bank/ XXXX  account. So when the investigation was over with a new card was sent out and the lady said my account payment history would be updated since there were fraud which at the time I hadnt even used the card at that point and I called back to the security department and the lady stated she had nothing to do with the credit reporting and that she would send a email. Ive called several times this year.