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

I am writing to formally dispute the reporting of the XXXX XXXX account ( Account # XXXX ) on my credit report. Both TransUnion and XXXX have made multiple updates to this account, yet the discrepancies remain unresolved and continue to negatively affect my creditworthiness. 

Here are the key issues with this account : Repeated Updates : The account has been updated twice within a short period, yet the reported information remains inconsistent. This suggests potential errors or a lack of thorough verification. 
Inconsistent Details : TransUnion and XXXX report conflicting information regarding the " Date of Last Activity, '' " Creditor Remarks, '' and " Dispute Status. '' Such inconsistencies cast doubt on the accuracy and reliability of the reported data. 
Account Status : Both bureaus continue to report the account as a " Charge-off, '' despite its closed status. These repetitive updates cause confusion and undermine the integrity of my credit file. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate, complete, and verifiable. Given the ongoing errors and lack of resolution, I kindly request that this account be permanently removed from my credit report. 

XXXX and XXXX as both removed this unverifiable account. 

XXXX was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers and Transunion this can easily be your company. 

Enclosed are the following : A copy of my credit reports highlighting the disputed account. 
A copy of my identification to verify my identity. 
A copy of dispute resolution with XXXX and XXXX Please investigate this matter promptly and provide a written response detailing the actions taken. Also, I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. If the information can not be verified or corrected, I request the immediate deletion of this account from my credit file. 

Thank you for your time and cooperation. I look forward to your response.
Product: Debt collection

I have been scammed and my identity being stolen, personal financial loss, and multiple fraudulent accounts created by scammers. My credit card being overcharged by scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT TYPE : XXXX DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?
Product: Credit reporting

Portfolio Recovery Associates is reporting a credit card account purchased from XXXX to the credit reporting agencies with a balance of {$5400.00} although this account was settled in full with a XXXX balance on XXXX/XXXX/XXXX. I have disputed this multiple times with this collector/debt buyer ( please see the attached letters and documentation provided with those letters ) and have even attached the Satisfaction of Judgment provided by the court, however, Portfolio continues to report this balance to both XXXX and XXXX. The fact that they report a XXXX balance to XXXX confirms that at least part of their records correctly reflect this settlement but obviously their records are still badly in error. 

I initially disputed this error with XXXX, XXXX and XXXX on XXXX/XXXX/XXXX. Since the account came back verified, I disputed directly with Portfolio on XXXX/XXXX/XXXX with a Validation demand under the FDCPA and FCRA, which, again received no response. I sent a XXXX validation demand on XXXX/XXXX/XXXX under the FDCPA, FCRA and FCBA and finally a third letter on XXXX/XXXX/XXXX directly to Portfolio, disputing under the FCRA, again with no response. 

Portfolio continues to ignore my legitimate requests under federal law and knowingly and arrogantly reports erroneous information to my credit report in violation of the FCRA. Further, per the FTC, the very act of reporting an account by a collector to a consumer reporting agency is a collection activity ( FTC-Cass Staff Opinion Letter, XXXX XXXX, XXXX, " ... we believe that reporting a charged-off debt to a consumer reporting agency ... constitutes " collection activity '' on the part of the collector ... '' ). This, to my understanding represents a violation of the FDCPA by continuing to collect on an account that has been legally paid.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the most recent XXXX and XXXX XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 recieved approval for a car loan amount from my bank, XXXX XXXX. 
XX/XX/2019 went to XXXX XXXX of XXXX PA to negotiate for the car I had chosen. I informed my saleswoman that my bank preapproved me for {$10000.00} ( XXXX XXXX XXXX ) for a purchase. 
WITHOUT MY PERMISSION the saleswoman cal

led 3 lenders and received approval from one. I purchased the car because ( approximately ) 2 weeks prior my car was totaled ( my car was parked with no one insid e ) and my wife, XXXX children and I needed a vehicle at that time. A week later, my bank paid off the loan and still hold the title. I would like the 3 inquiries removed from my credit report. I DID NOT PRE APPROVE THE INQUIRIES BY THE DEALERSHIP OR LOAN COMPANIES.
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against [ Experian ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : Incorrect Name : My current legal name is [ XXXX XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

Outdated Address : My current residential address is [ XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX ], while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Student loan

I have two direct, federal loans that are serviced by Mohela. They were transferred to Mohela from XXXX in XXXX of XXXX because I am eligible for the XXXX XXXX XXXX XXXX XXXX. 

I have been a public servant since XXXX when the program started. Mohela has record of all of my employment, certified from eligible employers dating back to XXXX which they have accepted and approved. 

When my loans transferred to Mohela from XXXX, I was told to wait for Mohela to apply the PSLF waiver to my account and my updated payment counts would reflect starting in XX/XX/XXXX. In XXXX, Mohela notified me that I had 80 eligible payments. They show missing eligible payments from XXXX XX/XX/XXXX and from XXXX. 

Mohela has record of my eligible employment during the time they have these gaps in my eligible payments ( in total 37 payments ). 

I have called Mohela multiple times, and no one can sort out why those payments are missing. Mohela verify that they have eligible employment on record and state they " missed '' the payments. In XX/XX/XXXX they told me to call again in XXXX, in XXXX they said to call in XX/XX/XXXX, and in XXXX they asked me to call in XX/XX/XXXX. 

Today ( XXXX XXXX ) I called and spent another hour with Mohela on the phone trying to sort this out. A supervisor told me that the reason those payment don't count is that I was in in-school deferment in XXXX and during the 26 months of COVID. However, I was NOT in school. I did not receive in school deferment during that period, and Mohela has record of my eligible, full-time employment to cover those periods. 

Mohela told me today they have no idea what to do next. They said I just need to wait until it is sorted out - however, I have been waiting 8 MONTHS at this point. With those 37 payments, I am OVER the 120 payment count and should be sent to discharge to the department of education. 

No one knows what steps to take and I have been waiting now for close to a YEAR to sort this out. Mohela doesn't know what to do, I have submitted verification of my employment that has been approved, and I have no direction how to fix this. 

PLEASE, please, please fix this. This situation has me sitting in a financial limbo that is highly stressful. I need CFPB to connect with Mohela, have my employment verified ( even though it already IS ), and have my payment count updated and sent to discharge ASAP. 

I look forward to hearing from you to have this fixed immediately.
Product: Checking or savings account

BACK IN XXXX OF 2024, THERE WAS AN UNAUTHORIZED CHARGE ON MY WELLS FARGO CHECKING ACCOUNT, I IMMEDIATELY REACHED OUT TO WELLS FARGO, REPORTED IT AN UNAUTHORIZED CHARGE. THE CLAIM WAS OPENED, WITH MY VERBEL CONSENT. WELLS FARGO REPRESENTATIVE CALLED ME AND CONFIRMED EVERYTHING AND AGAIN ON A RECORDED LINE I VERIFIED THAT THE CHARGE WAS NEVER AUTHORIZED, TILL TODAY THERE HAS BEEN NO RESOLUTION, I HAVE EVEN SUBMITTED THIS CASE TO THEM THROUGH SMALL CLAIMS COURT AND I HAVE NOT HEAR BACK FROM WELLS FARGO. PLEASE NOTE THAT THE CHARGE WAS NEVER AUTHORIZED BY ME, I AM NOT SURE WHY IT WAS PAID. THE AMOUNT OF THE CHARGE IS {$31000.00}.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX ( XXXX ), a XXXX company, sent a wire payment for our XXXX product on XX/XX/XXXX. It is XX/XX/XXXX and the funds have not been transfered by Citi bank. 

Citi asked, through XXXX, for confidential company information that we can not provide. We provided Citi, through XXXX, with our articles of incorporation and XXXX EIN registration along with purpose for payment and other information that we could provide, but the funds have not been forthcoming. 

I was informed that if I made any inquiries it would flag the transaction as a money laundering transaction so there is no way to address the problem from my side. 

Who is responsible for paying the interest and late payment fees on the transfer, Citi? How do I collect them? How can I force Citi to complete the transaction. The amount was {$12000.00}
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Debt collection

On XX/XX/XXXX my brother contacted me and played a recorded message from a XXXX XXXX that XXXX XXXX was put down as a contact for my account and to have me contact them immediately. He also called my in laws home as well. When I called I was told I was being sued for a debt on a XXXX from XX/XX/XXXX. I said its not on my credit report. What type of card was this? All they would say is its a XXXX. I then said isnt this past the statute of limitations and at this point I was hung up on. I called back and was told clearly I do t want to pay this. I asked whats the company he works for. He said western assets. He hung up again. I Called back and he answered that he refuses to have type of dialogue with me. I have no idea what this is or what is happening other than they are calling family and telling me that Im being sued.
Product: Checking or savings account

Complaint of Bait & Switch conducted by OneWest Bank, A Division of CIT Bank, XXXX. 

Address : XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX, Ca XXXX Phone : XXXX XXXX XXXX local branch ; XXXX XXXX XXXX toll free The problem : I opened a checking account with {$10000.00} as advertised XX/XX/XXXX. The banker said I qualified for receiving {$300.00} bonus if I complete all the XXXX steps within XXXX days. I completed all the requirements and the bankers admitted that I did. I gave the bank more than the promised period to process the bonus, however, I never receive it. XXXX  months later, XX/XX/XXXX, I called my branch and the center office, to my surprise, the answer was that I would not be eligible to receive the {$300.00} bonus anymore! During the XXXX months, no one contacted me by mail or phone to inform the change. I believe that the banker checked my account history at the time of the account opening and found it ok to open a new account and the there was no disclosure on the promotional literature to describe anything particular as they changed the rule. Assume if my account were not qualified for the bonus, why did the bank opened this bonus account for me? Why did the bank not inform me all this time if they found any error or any change? Why did they let my account remain open with {$10000.00} balance required for the {$300.00} bonus? This is typical XXXX XXXX XXXX, it is unethical. XXXX XXXX is a senior community. I wonder how many seniors have been mal-treated like this, people responded to the XXXX to open an account with large balance for a bonus and just to find it unqualified when it is time to receive the bonus. I am left no choice but to make this complaint with your org. I have uploaded the evidence of the promotional Advertisement and my receipt of deposit at the time of opening my account. ( No other documents with fine prints were provided to me at the time of the account opening. ) I wish your organization help me get fair treatment, not to let the small private bank take advantage of me and other seniors customers anymore. 

Thank you for looking into this matter! I look forward to hearing the resolution soon! I can be reached at XXXX XXXX cell/ XXXX XXXX ; email XXXX XXXX ; my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please note that the bank will be bought by another financial institution in a month or XXXX.
Product: Credit reporting or other personal consumer reports

I filed a ftc affidavit report in XXXX XXXX because I found this account : XXXX XXXX XXXX reporting on my credit report as a charge off that does not belong to me. I have submitted this claim to ( CFPB ) several times and called the XXXX XXXX on the phone about this account not belonging to me. I was told the account number # XXXX that is reporting on Equifax is incorrect and that correct account number in their system is XXXX. I was also told to email them directly to handle this matter and yet nobody has responded back. 

I am well-versed in consumer law and the requirements for proper reporting, so I know when my rights are being blatantly violated. Let me be clear : if an account is charged off, the creditor MUST issue a **1099-C ( Cancellation of Debt ) ** form to legally consider the debt canceled or paid in full. I have not received any type of correspondence.
Product: Credit reporting or other personal consumer reports

Dept of Education is reporting a XXXX  day late payment on all of my accounts. There is not a XXXX  day late payment as the loans have been in deferrment and were also apart of covid 19 declaration. 

This is innacurate reporting as there are no XXXX or XXXX  day late payments there for its inaccurate to report a XXXX  day late payment again with loans being in defferment status
Product: Credit card

I applied for Barclays XXXX XXXX aviator credit card on XX/XX/year>. My application was approved immediately. However, I got XXXX credit cards from Barclays with two different credit card numbers despite me submitting one application. Barclays is also reporting to my credit bureaus that I opened two credit cards on XX/XX/year>. This is not acceptable and is affecting my credit score. 
This is an error on the part of Barclays Bank and not my fault at all that they sent me XXXX credit cards for a single application. 
I contacted the bank many times to rectify this issue of opening duplicate credit card account. They keep saying that they will fix it. It's been XXXX weeks and they still haven't rectified their mistake.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting XXXX XXXX XXXX on my credit report and I spoke with the Consumer Finance Division in South Carolina and they stated this lender doesn't even have a right to lend in this State. This was an illegal loan and I have advised XXXX of this information and asked them to remove this illegal loan from my credit report, the request is currently pending an investigation but I cant understand what there is to investigate if the company was never incensed in my state to begin with.