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

In 2018, I cancelled service with XXXX XXXX XXXX XXXX XXXX ) for television service. I boxed the equipment and attempted to get XXXX XXXX to send me a return address for their equipment. I called them at least once a month for six months and was told they either had a shortage of return packaging, or they would send a return label, but they never provided the information. They then charged me {$190.00} for the equipment. I did not pay for it because I did my due diligence in attempting to return it as they requested and I have absolutely no need for their equipment when I don't want or use their service. They now keep selling the debt to other collection agencies and it keeps getting put on my credit report. XXXX removes it each time I dispute it with the facts. TransUnion has removed it in the past when it was a different collection agency, but has recently put it back on under XXXX XXXX XXXX ( whom it was sold to from a different collection agency ) and now saying it is accurate. I have attempted to resolve this with TransUnion and they won't fix it. 

I can assure you if the debt was legitimate, I would have paid it, but XXXX was uncooperative with the whole situation and I don't feel this should be on my credit report.
Product: Checking or savings account

I received front and back of checks written to XXXX  stores with my name and address which I dont have account. The secondary name on check listed was XXXX XXXX XXXX and I was required to sign and notarize affidavit to company to release myself of financial obligation. Im uncertain if any other checks have been written to other companies and dont know how to find further details on checking account because the only thing I have is copies of the checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX, congratulating me on my loans being paid in full. But XXXX keeps adding balances and subtracting balances to my account. This is adversely affecting my credit score! I 'm in the middle of financing and their frequent updates are detrimental to this process. Also, I want all loans older than 6 years off my credit report, as that is more than the SOL for my state. I need this done ASAP as XXXX is doing illegal and reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Equifax.
Product: Credit card or prepaid card

On or around XXXX XX/XX/2022 the Department of Treasury forwarded a complaint I filed against Discover regarding payment processing and billing errors. The correspnding CFPB complaint number is : XXXX. In that complaint I outlined that my mother made an ACH payment authorization to have funds debited from her bank account to pay on my statement. The authorization took place on or around XXXX XX/XX/2022 and was returned with XXXX -- unable to locate. However, I was not notified of this until XXXX XX/XX/2022 when the account was closed. A billing error investigation was conducted in name only. Despite the best efforts of the investigator ( s ) I remain concerned about the methods and practices used to conduct the billing error investigation. The nature of the XXXX error by definition implies that the information transmitted to the financial services institution for direct debit was an issue. That, although the routing number was correct, and the account number was formed correctly, the institution could not match that information and the accompanying first name and last name to an account. This is a distinct error code from XXXX -- NSF, XXXX -- closed account, or XXXX -- invalid account number. When conducting the investigation XXXX XXXX, in Discover Executive Office of Customer Advocacy, conceded that when comparing the supplied account information disclosed with the live agent, he was ony able to match the last four ( 4 ) digits of the account being debited. That is, whomever, and through whatever investigatory process he recieved the transaction information from, it/they provided him only with the last four ( 4 ) digits of the account number to match against the phone-based ACH authorization with a live agent that occurred on XXXX XX/XX/2022. And, althoug he was given the full routing number for the financial servies institution, he was not provided with the first name and last name as keyed into the ACH authorization by the live agent. This is troubling as the error could be on the part of Discover and its live agent. The investigator was not provided with that information. Yet, discover maintains that there was no error on their part. As that is the case, I am invoking my rights under 15 U.S.C. 1693f and requesting reproductions of any and all documents/materials used to substantiate the conclusion that no billing error occurred on the part of Discover. For clarity, 15 U.S.C. 1693f ( d ), " Absence of error ; finding ; explanation, '' states ''If the financial institution determines after its investigation pursuant to subsection ( a ) or ( c ) that an error did not occur, it shall deliver or mail to the consumer an explanation of its findings within XXXX business days after the conclusion of its investigation, and upon request of the consumer promptly deliver or mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur. The financial institution shall include notice of the right to request reproductions with the explanation of its findings. ''
Product: Mortgage

I have submitted several request to Mr. Cooper/Nationstar to update incorrect reporting on my XXXX and XXXX report XXXX I have also requested the help of the credit agencies directly without resolve. They continue to report my mortgage was paid late, although that information is incorrect. My account was assumed by Mr. Cooper/Nationstar on XX/XX/XXXX, payment in full was received XX/XX/XXXX. 

The attached documents support my claim.Please take note, in the state of Maryland once a mortgage is sold. There is a sixty day period allowing for accounts to transfer and update for payment processing. 

I have requested correction, and Mr. Cooper/Nationstar continues to delay and falsely report my mortgage payoff. These inaccuarte remarks heavily affect my credit rating and livelihood. 

Attempts to resolve : Mr. Cooper/Nationstar XXXX Phone request XXXX Phone/ Email Request XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my early review of my credit report. I noticed hard inquires for credit that I did not apply for
Product: Checking or savings account

On XX/XX/, a little before XXXX XXXX I used Ally Bank 's online check deposit feature to deposit a {$2000.00} check from the US Treasury. 

Despite beating the cutoff time, I noticed there was no actual details of when the check would post. Later that night, the site was updated to indicate an extended hold of five days was placed on it. The only reason given was " inconsistent information on the check '' ( what?! ) I am familiar with the reasons that an extended hold can be placed on government checks - none apply in this case. I've never been overdrawn. It wasn't over the large check threshold. There is no reasonable doubt that this check will be paid ( it's a GOVERNMENT CHECK ). 

It seems they are actually probably just annoyed that my balance is far lower than the value of a check, and made up a reason to hold it. 

They refused to remove the hold when I asked. Now {$2000.00} is in limbo. I've been waiting five months for this check.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX FIN Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. TheTransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act,15 USC Sections 1681i, and continued reporting as unverified information without any proofprovided, within the time allowed by law, is not authorized. Below are the accounts that arereporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Regarding my previous complaint XXXX I reported that my credit score was wrong in relation to my credit report and I couldn't get Equifax to address it. Over 4 phone calls they just told me repeatedly to contact a credit advisor, but I knew that my personal score of XXXX was not accurate - I have XXXX XXXX on time payment history - and this erroneous personal score already affected my business ' credit score and caused us to be declined for a business loan. But after several phone calls getting nowhere with Equifax, I submitted this complaint to CFPB and the day after they submitted their initial response, the day after my complaint was submitted to CFPB, my Equifax score mysteriously increased XXXX points without any reported changes to my report, in line with the rest of my scores as it should have been all along. Meaning they fixed their mistake. However their 30 day response indicates only that they need to verify my identity to address my issue. For one, they had verified my identity every time I called them and they know who I am. Second, instead of admitting they had indeed made an error which adversely and detrimentally affected every aspect of my life before they fixed it, while repeatedly assuming they had made no mistake ( as if they are incapable of algorithm errors ), I must need to consult with a credit advisor and they can't help me ... .now they're ignoring that they made such a mistake and corrected it. Can they not admit that they made a terrible mistake and that their errors ruin people 's lives? Can THIS not be addressed? My family 's business had to take on horrible high risk loans in order to stay afloat, because the damage is done, even though with 100 % on time payment history and flawless credit reports, our score reflected the opposite, we should have easily and quickly received the business loan we expected based on the credit and credibility we've earned over 8 years of flawlessly running our business- but now here we are, instead, in peril, because Equifax made a terrible mistake. And all they have to say after fixing it and pretending they have no idea what I'm talking about, or who I am, is for me to verify my identity ( a month later ). This is WRONG - Equifax should issue a LETTER or SOMETHING to my creditors to say my personal score never should have been XXXX, and therefore my business ' Equifax score should have never been XXXX rendering my SBSS score XXXX. I need Equifax to take SOME kind of responsibility for what they've done to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I had a line of credit with Wells Fargo open in XXXX. Wells Fargo claim that I was 30 days late back in XXXX my records show that I was on time every month. So I would like for this derogatory to be removed from my credit.
Product: Vehicle loan or lease

I have paid off my car loan to the finance company (  Santander Consumer USA  ) and had not received my car title. I tried calling several times to the company and never got to speak to a representative. I received a notice from the company almost  two  months after my last payment and my maturity date of my loan stating I still owe an amount. I called the company again today and was finally able to speak to a representative of the finance company. I asked why did I still owe on my loan since I have paid all the payments in my loan contract and my loan has matured. the representative said it was accrued interest. I believe that is wrong because the interest is paid within the first years of your loan and you do not pay principal until the last years of your loan. I went a year in a half longer than my initial maturity date due to getting an extension on the loan.     At this point, I feel I am getting slammed exorbitant ( fees and interest ) amount for a loan I have clearly paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. All of accounts reported by credit reporting company have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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: Credit reporting or other personal consumer reports

violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b See attached
Product: Credit card

Wells Fargo cancelled most of the debt for a credit card. After taking a tax write off for the debt, they continue to say I owe the money and will not update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security data breach on XXXX XXXX 2017.  Due to this incident my personal information was impacted by this breach. I am submitting a formal complaint. I believe that this security breach has highly impacted my personal information. After going to the site www.Equifaxsecurity2017.com it appeared that I was impacted with this security breach. I did not enroll into any thing because I do not want to waive my right to sue. I was notified via email to prove that I was impacted by this security breach,. I am putting in a complaint against Equifax for their negligence of handling my personal information. I am worried about my personal information and security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was negligent in handling computer security, resulting in theft of my personal data. 

Equifax did not notify me of the breach when they became aware of it ( I had to learn through the media ). 

Equifax has failed to remedy the situation.
Product: Credit reporting or other personal consumer reports

Letter was sent to XXXX for debt validation after they would not and did not remove the collection according to FCRA guidelines. XXXX responded back stating the debt meet the requirements, but did not provide the process of how they validated the debt, nor the requested information sent in the letter, required by law. 

Subject : Debt Validation Request for Account XXXX Dear XXXX, I am writing to request validation of a debt reported on my credit report. The account in question is listed as follows : Creditor : XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Collection Account Number Balance : Date Opened : XX/XX/year> The report indicates a consistent collection status since XX/XX/year>, and I dispute the accuracy of this information. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that the following be provided : Verification of the debt, including the original contract or agreement. 
Documentation showing that I am responsible for this debt. 
A detailed account of how the balance was calculated. 

Please consider this a formal dispute of the debt 's validity. I expect a response within 30 days of receipt of this letter, as required by the FDCPA. If the debt can not be validated, I request that it be removed from my credit report. Thank you for your prompt attention to this matter.
Product: Debt collection

WORLD SOLD TO AGENCY AFTER AGREEMENT WAS REACH, THE D AND A KEPT CALLING MY FOLKS, MY WORK XXXX XXXX XXXX XXXX. XXXX AND A REFUSES TO REMOVE UNLAWFUL FRAUD ITEM FROM TRANSUNION LLC, THEY HAVE REMOVED FROM ALL CRAS.
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 : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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.