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

My credit report shows I was XXXX days late XX/XX/year>XXXX XXXX XXXX  days late XX/XX/year> for account # XXXXXXXX XXXX XXXXXXXX I have never been late on this account since opened. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. The account above was never late and should be listed as current for the months listed.
Product: Debt collection

Company is trying to collect a debt that's not mine I do not have a contract with this company nor company accused
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$6800.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and LVNV Funding is listed as the creditor. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. XXXX  ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX with new & updated information about my previous complaint XXXX. National Credit Systems , Inc. has not only failed to comply with the FDCPA but has also failed to comply with the FCRA as well by report-ing an alleged account that has not been properly verified- ( sworn under oath ) pursuant to 28 USC 1746. I am demanding that all reporting to all consumer reporting agencies- ( XXXX XXXX XXXX XXXX XXXX ) cease immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Contacted Wells Fargo after opening a checking account. Tried to deposit a XXXX check, but they said it was too high. Was charged numerous overdraft fees. 

Then the savings accounts began to open. I didn't apply for any savings accounts, then another opened without my consent. A third account was again opened without my knowledge.
Product: Debt collection

i been trying out of good faith t pay two medical bills from phoenix financial service my last payment made on XX/XX/XXXX of XXXX dollars was not applied i have my bank statements and it shows on their website it was recieved yet my balance did not go down, i attempetd to call them evry other day they are very rude and wont help specially the woman floor manager at this point i have my proof papaerwork and have tried doing my part
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, XXXX, and Experian in violation of Federal Law. XXXX, XXXX, and Experian failed to comply with 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 statute. These need to be deleted immediately XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXL XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXB Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

This dispute is about the re-charge on XX/XX/2022 Merchant name is XXXXXXXX XXXX XXXXXXXX ) for the amount {$7800.00} - reason is unknown. Worked with XXXXXXXX Discover but all can not resolved the issue Original XXXX  order XXXX was on XX/XX/2022. Amount charged {$7800.00} XXXX  failed to deliver to me and package was returned back to XXXX  on XXXX Therefore a refund confirmation initiated. Refund of {$7800.00} was seen on my credit card on XX/XX/2022 XXXX  re-applied {$7800.00} on XX/XX/2022 stating the item was delivered.. I confirmed nothing was received on XX/XX/2022 hence the refund was initiated by XXXX XXXX Discover Card and asked for helped. After 2 months of escalating and multiple inquiries the result came back negative. Discover stated not enough information to help with the dispute I provided all the information that I have at this point. I even provided a screenshot from XXXX on XX/XX/2022 stating their fault to not deliver and that's why the package was returned back to XXXX and hence the refund but Discover did not take this seriously. 

Asking CFPB to help because this is almost {$8000.00} that I should not be responsible for from the beginning.
Product: Debt collection

I am working on fixing my credit and not sure why this shows on my XXXX XXXX report only. XXXX  car insurance is the company. Dont know account number or contact to sort this out with them. Looks like a months premium of {$110.00}. Not sure how to remit or remove to get my report to boost up. Never got a mail or call from them to remit and its already discharged hurting my report. Need to get this adjudicated please.wasnt aware of this until I checked XXXX report. Thank you!!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX OF XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a home when my lender pulled my credit report and they are showing two accounts listed for the US Dept of Veteran Affairs. This doesn't make any sense because the money was for school that I was paid out each month. When they over paid me they would take it out of the following disbursement therefore lowering the amount I was paid directly. There should be any type of collections for this. I sent a certified letter to the Dept of Vet affairs and they did not respond nor send me validation of this debt. How are the bureaus receiving this information if I can not?
Product: Credit card

I was given a credit card to finance my carpet purchase from XXXX XXXX, the card was from Wells Fargo. I was told it was zero interest. I reached out to Wells Fargo when a year later I got a credit charge for interest on the account for {$2700.00}. I filed a complaint that they ignored and said too bad for you. I was never provided documentation stating the credit charge would occur. Additionally, Wells is now charging me interest at a rate of 28.24 % on the interest charge. I have paid the the bulk of the original principal purchase off and now Wells is telling me I owe them another {$3000.00} and growing. I would like to pay off my principal balance and have them reverse the interest charges as I was not informed of the terms, they have not produced evidence and they are charging me an excessive rate of interest on top off an interest charge. I do not trust their sales practices based on recent events I feel they are trying to rail road me and deny me my rights as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called each company that had a hard inquiry on my credit report that I did not recognize on XX/XX/XXXX. 

All of the companies state that they did not have the authorization to run my credit on file and that authorization was with a car dealer that I had never heard of or spoken to. 

I called Experian on XX/XX/XXXX to dispute these inquiries and they told me that they do not dispute hard inquiries. 

I am requesting that CFPB require them to remove the unauthorized inquiries from the following companies on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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
Product: Debt collection

XXXX XXXX with MAC credit collection agency says he is collecting on a debt from 2013- which was paid off. He is contacting EVERY one of my family members and calling me and them EVERYDAY. I have searched the phone number hes calling from and its verified fraud/scam. He says hes suing me and taking me to court. Barely speaks XXXX and is harassing me and my entire family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer XXXX XXXX. I do not work for XXXXXXXX XXXX I work for XXXX. Explained this before
Product: Debt collection

On or about Friday XX/XX/2023 I made an attempt to reach out to Wells Fargo concerning my application for Mortgage Assistance was received. However I was misinformed that I put a cease and desists order on the Mortgage Account which is not true. And then later on that day I receives these two documents in the mail stating a new payment amount pertaining to the mortgage. But yet they has my home scheduled for XXXX XXXX on XX/XX/2023. And Im left in suspense because Im willing to pay the new mortgage amount and move on but Wells Fargo refuses to communicates with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX accounts with Self Lender that I paid off early. The first account I paid off within XXXX months of opening due to serious medical conditions. I wanted to avoid late payments. The second account I paid off in full on month XXXX as I had a funeral to pay for. In which both accounts are reporting a late payment the month after I paid it off ... for the past XXXX years. 

I have tried to call Self Lender... however without an open account you have to mail in any questions or concerns. I have mailed my request in and submitted disputes with all XXXX credit reporting agencies. I am now requesting assistance from CFPB.
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, XXXX XXXX XXXXXXXX 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 : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Checking or savings account

I have been with Bank of America for 29 yrs. They have targeted me the last 3 yrs vying for me open up a Business Checking Account with a {$750.00} cash bonus for a balance of XXXX in new deposits and 5 qualifying electronic payments within 75 days. I tried unsuccessful at 2 branches before getting into XXXX XXXX branch in XXXX. I was told by XXXX XXXX the Small Business Consultant and XXXX XXXX that transfers between my personal checking and the new Business Checking would count towards the 5 qualifying electronic payments. I was very specific with asking both of them how I needed to meet the requirements for the bonus. For that was the only attraction for me to bring in XXXX of new money. I also would have never done the transfers for any other reason other than meet requirements, for my balance was always above XXXX. I am seeking the {$750.00} bonus that was promised and would like Bank of America to deposit into my Business Checking within 30 days. For I tried to make a appointment with XXXX to discuss, but when I arrived for the appointment she didn't have time for me, for unexplained reason! Ultimately the Branch Mgr said he would call by end of day and never did. I am deeply troubled that I wasted my time opening the account only to be mislead by 2 employees at the branch, who were confident in telling me the transfers would count towards bonus achievement.
Product: Credit reporting or other personal consumer reports

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit reportXXXX XXXX XXXX XXXX   experian XXXX XXXX
Product: Student loan

I am owed a refund from XXXX 2023 for late billing notification and I have not received it. Mohela customer service gives a different excuse every time I email.
Product: Debt collection

I called XXXX XXXX XXXX in XXXX XXXX. in XXXX regarding my debt. When i was seeking treatment at the facility in XXXX of XXXX i gave my XXXX XXXX XXXX insurance information and it was scanned into the system. In XXXX of XXXX i recieved a bill and i called the hospital billing department and was told they do not take my insurance. I then gave the representative my XXXX  Id. She told me she will file the claim with XXXX  and i will be notified by mail. Now on XXXX XXXX i got a call my account is in XXXX XXXX XXXX XXXX. I got absolutely no communication prior to my bill going in to collections i was not made aware mind you i was living at a completely different address than what was given to the hospital they claimed to send me mail i did not recieve nothing i even contacted my local post office and they are not aware of any mail coming from data system to my address. I the collections representative i recieve no communication prior to the XX/XX/XXXX. She did not care she told me not to lament on the past.
Product: Checking or savings account

I have recently been the victim of identity theft and fraud and have reported extensively my experience to the Federal Trade Comission, all three major credit bureaus, and have filed fraudulent transactions across multiple credit and debit cards. These fraudulent charges took place for XXXX year from XXXX through XX/XX/year>. My debit card with Bank of America was found to have fraudulent charges related to a loan servicer, XXXX. Bank of America was able to refund me for recurring charges on my account from XXXX but forgot to remove XXXX charges totaling {$710.00}. I have discussed with them over the phone multiple times and they do not understand what I am requesting despite countless explanations. I mailed and faxed many documents yet they have failed to do a thorough and holistic review to refund me the remainder of the fraudulent charges.
Product: Credit reporting or other personal consumer reports

Experian is missing 2 accounts that should be reported on my credit report. Which is causing me and stress trying to figure out where is my account
Product: Credit reporting

I am filing this complaint against Experian because they have failed to provide me with the documents that their company has on file that was used to verify the account that I disputed. Experian is also listing a social security number that is not mine. Experian is also listing XXXX addresses on my credit report that are not mine. Please make Experian obey the Fair Credit Reporting Act, which says in part " credit reports must be 100 % accurate. My credit report will be 100 % accurate when these errors are removed.
Product: Credit reporting or other personal consumer reports

Experian Dispute Department XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute Request for Removal and Blocking of Fraudulent Account ( XXXX XXXX ) Dear Experian Dispute Department, I am writing to formally dispute the continued presence of the XXXX XXXX account on my credit report, despite receiving written notification from Experian stating that this account was deleted due to evidence of fraud. I have attached a copy of the notification for reference. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request that fraudulent accounts be blocked from my credit report. Since Experian has already acknowledged the fraudulent nature of this account and determined it should be deleted, it is a clear violation of my rights under the FCRA for this account to remain on my credit report. 

Furthermore, courts have consistently ruled that credit reporting agencies must ensure accurate reporting. In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), the court reinforced that credit reporting agencies have a duty to conduct reasonable reinvestigations of disputed accounts and correct errors accordingly. The continued reporting of this fraudulent account after Experians own determination of fraud is a direct failure to meet these obligations. 

Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that credit bureaus must delete incorrect information once it is determined to be inaccurate. By keeping the XXXX XXXX account on my report, despite acknowledging its fraudulent nature, Experian is in violation of this precedent. 

Therefore, I am formally requesting that Experian : Immediately and permanently remove the XXXX XXXX account from my credit report, pursuant to the FCRA. 
Provide written confirmation of the removal and an updated copy of my credit report reflecting the deletion. 
Cease any further reporting of this fraudulent account to any third parties. 
Failure to comply with this request may result in legal action, as Experian would be in violation of federal consumer protection laws. I expect a response within the required 30-day period under 15 U.S.C. 1681i.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and the actions taken in response. 

Sincerely, XXXX XXXX [ Enclosures : Copy of Experian Notification,
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for XXXX XXXX FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.