23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a debt that should have never been sent to collections. I owed some money to a hospital i did not know about, when i did i called the hospital and paid the debt. Even tho i have paid this has been added and removed to my credit report multiple times, but it still keeps coming back. COMMONWEALTH FINANCIAL just keeps adding it back after it gets removed.
Product: Vehicle loan or lease

I was approved for a Covid deferment XX/XX/2020 that defered my payments until XX/XX/2020. Lexus Financial made an error and reported the account late for two payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with FST PREMIER XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've dispute certain information present on my credit reports provided by XXXX and Equifax, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( e ). I request a thorough investigation into the discrepancies and the prompt removal of the disputed items. They still continue to report this on my credit report. This was closed on all three Credit agencies and then place back on my credit report without notification. 

Upon reviewing my credit reports obtained from XXXX and Equifax, dated XX/XX/2024 I have discovered that child support obligations have been inaccurately included in my credit history. As per 15 U.S.C. 1681 ( e ), child support obligations do not belong on my credit report, as they are not considered debts owed to creditors. 

I understand that consumer reporting agencies are required to maintain accurate and up-to-date information on consumer credit reports, and including non-credit related information such as child support obligations is a violation of federal law. 

Therefore, I am formally disputing the inclusion of child support obligations on my credit reports and request their immediate removal. I request that XXXX and Equifax conduct a thorough investigation into these matters as mandated by the FCRA and take the necessary steps to rectify this error. 

In accordance with the FCRA, I request that both XXXX and Equifax provide me with written notification of the results of the investigation and any actions taken as a result. Additionally, please provide me with an updated copy of my credit reports reflecting the corrections made after the investigation is complete. 

I trust that you will take the appropriate action to rectify this error and ensure the accuracy of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

as you may know I encountered identity theft before and it seems that many inquries has begun to start appearing on my credit report such as XXXX XXXX .... XXXX ... XXXX XXXX .... XXXX .... XXXX .... XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX ... ..there is also a car loan from XXXX XXXX XXXX that ... 

there are also incorrect spelling of my name neither one of them is how you spell my name My XXXX card is also report that I was late on a payment which I was not im confused to whats going on I have a identity lock on my social but they still let people run my credit without my consent ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have reported on my credit report that I was late on payments.Being that they never completed a thermal investigation, XXXX, reported that I was late in XXXX up and till XXXX. When I requested for the account to be close numerous times by phone and mail. The requests was made XXXX for XXXX XXXX to close the account. I requested that a final bill/statement be sent to me so I can make prompt payment. No final bill was received to which finger hut reported me late. I have requested all the credit bureaus to investigate this dispute. They have failed to provide any results of the investigations or responses that XXXX may have made to justify them for reporting me late. None of the bureaus fulfilled their duty as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to equifax, XXXX  and XXXX  on XX/XX/XXXX. Equifax is the only creditor who has failed to respond to me within 30 days. I called them to ask them why and the rep told me they never received my letter which is completely false. I sent it! They are jeopardizing my financial situation and this is not fair to me. I do not have the ability to send them yet another letter and wait yet another 30 plus days!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$1400.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

after numerous disputes experian refuses to report this XXXX  XXXX account as charged off and not paid. this account is paid and the creditor agreed to delete upon payment.
Product: Bank account or service

On Thursday XXXX/XXXX/2016 I closed my account with XXXX. I am moving XXXX and they do not have any ATM 's or Retail branches XXXX. I received a cashier 's check from XXXX for {$680.00} with check # XXXX from account # XXXX from my local branch XXXX ( Branch XXXX XXXX XXXX XXXX ). Right next door is a Wells Fargo retail branch office ( XXXX XXXX XXXX XXXX ) I opened an account and deposited {$680.00} using the XXXX cashier 's check to open the account. ( Savings account number XXXX. I tried to do online banking over the weekend ( XX/XX/XXXX2016 ) however I could not transfer money like I was supposed to. I knew there was something wrong and went to the Wells Fargo Bank on Monday XXXX/XXXX/2016. 

On XXXX/XXXX/2016 I went into the Wells Fargo bank, XXXX XXXX informed me that my new account was on hold because their fraud division suspected something funny with the XXXX cashiers check I received from XXXX. I called the Well Fargo Fraud division, they told me I need to get a letter on XXXX letterhead stating the check issued for {$680.00} from XXXX was from them verifying it was a legitimate check and the funds were available from XXXX. 

That same day I went next door to the retail branch of XXXX, the same XXXX that issued the check and spoke to the Branch Manager XXXX XXXX XXXX, he told me he could not write such a letter from his branch office. I sat in the office with XXXX XXXX and my Dad XXXX XXXX XXXX XXXX, we called the XXXX help line with the help of the XXXX branch manager, we spoke to customer service, they could not write a letter as needed and describe above too, the call was escalated to the XXXX retail escalation department. I spoke with XXXX XXXX XXXX, she too told me she could not write the simple letter needed to verify that the Check written from XXXX for {$680.00} that closed my account was written from XXXX. 

All of the XXXX employees told me the funds has been 'cashed ' encumbered by Wells Fargo already and the amount of {$680.00} and had gone through the banking system. I went back to the Wells Fargo retail branch XXXX, where I open the account, spoke to XXXX XXXX XXXX XXXX, he said since the account is now in the hands of the Wells Fargo fraud division there was nothing he could do. 

When my Dad asked what would happen if we just closed the account and went to a new bank XXXX XXXX XXXX XXXX XXXX said I would not be able to open an account at any bank since I would be on some list that would brand me as trying to cash/deposit fraudulent checks. And this information would go through out the banking system. 

I did nothing wrong, I worked with XXXX national banks, gave them legitimate checks, XXXX bank will not talk to the other or write a letter or review the account to see if the check has cleared. XXXX bank ( XXXX ) says the funds are now with Wells Fargo, Wells Fargo will not acknowledge that, they will only take a faxed letter on letter head stating from XXXX the check deposited at the local Wells Branch is a good check and that it comes from XXXX. XXXX will not write that letter to me. Why, I do not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the second time Wells Fargo inaccurately reports mortage balance higher than actual balance. By inflating the existing balance in addition to the new escrow balance, they report an inflated balance to credit reporting agencies while reporting the actual balance to customer. When challenged on why they do it they say its to benefit the customer, but often fall short of specifying how.
Product: Credit reporting or other personal consumer reports

TransUnion has been systematically ignoring my requests to correct the documented inaccuracies added to my credit report. In multiple occasions, I provided TransUnion with records supporting my claims, and yet, a XXXX XXXX  XXXX credit card account that was discharged in a XXXX XXXX Bankruptcy, keeps being reported as Derogatory. XXXX XXXXXXXX XXXX - confirmed - that they are not reporting the account as Derogatory, the account was never late. Instead of taking action and correcting the inaccuracies, TransUnion keeps reporting information that negatively impact my credit report. Despite the numerous violations reported by FTC and CFPB against TransUnion, nothing has changed, the company still completely disregards what established by FCRA and by the Bankruptcy Code.
Product: Checking or savings account

Chase has closed my account Wednesday XX/XX/XXXX. I called them to ask why they have cancelled and Chase refused to give me an answer. They just told me that they have a right to not bank with me. I wanted to know the reason they closed my account and they didn't give me on.
Product: Debt collection

My information was sold and bought illegally because I was a victim of data breach by the direct negligence of XXXX XXXX XXXX and XXXX data breach. I want these items deleted from my credit reports effective immediately : 1.L J ROSS ASSOCIATES INC , I am attaching proof that XXXX and XXXX XXXX XXXX have admitted that I was in fact a victim of these data breaches. I have never received any response or notice from .L J ROSS ASSOCIATES INC . I do not know .L J ROSS ASSOCIATES INC. nor do I have a contract with them, XXXX has refused to remove these items. Please help me delete these illegal accounts from my credit reports as I am a victim of identity theft and data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disputed the balance of auto loan with TransUnion. The other XXXX credit agency 's have the correct information in their records that I paid off my {$30000.00} auto loan over two months ago. A man in XXXX for TransUnion says they will not take any action to correct their records. He asked me to send him a copy of my vehicle title, instead of them contacting the loan company to confirm. What?! Send him a copy of my title ... I do n't think so! This is not right people! Their reporting is extremely slow and lacking in proper customer service skills.
Product: Credit card

Took out a {$100.00} secured card with first progress bank and was told that after a certain time they would increase my limit/ then a year pass by and didnt receive any increase, and I was paying on time not missing a payment/ fast forward to XX/XX/year> I had a small emergency where I left my wallet at work and went to use the card for gas which at time I had XXXX something dollars on it, it kept declining. when call customer service I was told that the card was blocked because of a balance of XXXX something dollars which needs to be payed. I was upset because it was my money from the beginning/ after all said and done I went to pay the balance on XX/XX/year> and noticed that the card. company took the remaining balance for late fees. how can you have a card limit for {$100.00} and paying late fee of {$40.00} something dollars
Product: Credit reporting or other personal consumer reports

I have been in communication with Experian about inaccurate personal information in my credit report. Even after notifying them many times about this error, they continue reporting this incorrect personal information on my file. Not only is it unfair, it is also illegal.

By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair.

I hereby request that Experian block and delete the reporting of this information from my consumer report. My request to block is not made in error, nor is it based on any material misrepresentation of fact by me relevant to the request to block the identified transactions. The transactions in question are not related to any activity undertaken by me as the consumer.

Furthermore, I am providing proof of my identity along with specific information regarding the transactions that are the result of identity theft. Enclosed with this letter are copies of my identity theft report submitted to the Federal Trade Commission ( FTC ) and the police report filed regarding the identity theft.

I have told Experian many times I do not consent to the inaccurate personal information listed below to be reported in my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; INCORRECT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCURATE PERSONAL INFORMATION My only name is - XXXX XXXX XXXX XXXX. 
My only address is - XXXX XXXX XXXX XXXX XXXX, FL XXXX My only date of birth is - XX/XX/1984 My only employer is XXXX XXXX XXXX XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I have attached proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. I can if necessary, draw up all the negative accounts from my XXXX credit report with account numbers and have them removed asap and I would like to file a complaint against them as well. Thank you in advance...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

On XX/XX/2021 I received a letter from Capital One indicating it was taking debt collection on an old account of mine BACK FROM " Credit Services. '' But, I had already made my FINAL payment on that account with " Credit Services '' on XX/XX/2021. When I called to inquire on XX/XX/2021 a representative from Capital One named XXXX, ID # XXXX, indicated I still owed over {$400.00}. That is false!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

I have been a member of advance.cash since XXXX. In XXXX of XXXX i paid off a loan of {$300.00} In XXXX of XXXX i applied for a loan of {$300.00} i was upgraded to VIP i had payments of {$16.00} weekly beginning the first week of XXXX. I paid off the loan in XXXX of XXXX. I was approved for {$2000.00} the weekly payments were {$140.00} i was only able to make one payment i have fallen through a hardship. i began a payment plan of {$150.00} beginning on XX/XX/XXXX bi weekly. the last payment i made was {$150.00} on XX/XX/XXXX i had to go out of town for a family emergency and i had unexpected expenses which caused me to be tight with money. on XX/XX/XXXX i was able to make a payment of {$50.00} i had fallen behind i had to report my debit card that was previously on file before was lost. once i got my new one i resumed the payment plan on XX/XX/XXXX of {$100.00} and the next two payments were on XX/XX/XXXX and XX/XX/XXXX of {$50.00} and on XX/XX/XXXX the next payments will be {$230.00}. I looked at my finances and realized that i am on very strict budget i am on a fixed income and i am barely making it and i am struggling to make ends meet. In total i have made 8 payments in total which comes out to {$840.00}. I would like to considered what i have paid towards this loan and close the account. and have the debt forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax was sent a dispute letter from me on XX/XX/28 and never responded. i called and was told that my dispute would not be processed by equifax. Not sure why they are making things so hard
Product: Debt collection

Medical account {$470.00} from XXXX XXXX. I received only XXXX texts message in the past 2 month. I was totally surprises as I contacted XXXX and it was a billing issue. I contacted XXXX as well. When I received a test message from Wakefield Assoc, I was floored. I called immediately, said I would dispute as is a XXXX account and per XXXX it was billed incorrectly. I have no other insurance. I received the XXXX text message and called XXXX. I then submitted a formal dispute on XX/XX/22. No response from them, no phone calls, no text messages after that. Nothing, they never called me in person, never sent me mailing via XXXX, nothing. only XXXX txt messages. I explained all of this. When I called XXXX, they said they purged from system, and it would be timely filing now. This charge was erroneously billed to me, and certainly incorrect. Now it is reported on my credit. How can they do that with only XXXX text message, no phone calls, no other contact. AND I submitted a DISPUTE on XX/XX/22. Please help Collection info below : Wakefield $ Associates XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Account XXXX REF # XXXX
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of the notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted a dispute to XXXX, XXXX and Equifax in regards to fraudulent items on my credit report. I am a victim of identity theft and have been shown a blatant disregard to my due process via the FCRA 605B ( 15 U.S.C. 1681c-2 ). My FTC identity fraud affidavit is attached. It is hard enough to have been a victim of identity theft, yet now I am not being acknowledged in my disputes and my congressional rights are being violated.