23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX sent fraudulent wage garnishment papers to my place of employment. They did not contact me first, did not provide me with a chance for a hearing, did not validate, nor verify the debt, and they are not a guaranty agency. As a third-party debt collector, they should not have sent garnishment papers, due to their lack of guaranty status. I tried to resolve the matter via CFPB complaints, a XXXX   complaint, a complaint to the California Attorney General and through direct communication with XXXX XXXX XXXX XXXX XXXX XXXX I was unsuccessful. I then went to Small Claims Court and obtained a judgment. I still have not been paid, and the garnishment has not been stopped. In other words, I was garnished again after the judgment. I have included the judgment and would appreciate the return of my funds and the cessation of a fraudulent garnishment. Thank you.
Product: Credit reporting or other personal consumer reports

There is a collection account reporting in my experian credit report. Ive asked for validation of this debt a few times and have yet to receive it. It just keeps saying, verified! Verified by who? I need documents with my signature on it. No one has verified this debt yet experian keeps reporting it on my report. Im sure they are aware its violation of the Fair Credit reporting act to report false unverified inaccurate information on my report. Please remove!
Product: Credit reporting or other personal consumer reports

XXXX Account is reporting on XXXX, XXXX, Equifax as closed. This account is fully paid in full with XXXX ( XXXX ) debt owed to company. This reporting is taking an Affect on my credit report from all bureaus and needs to be removed as it is paid in FULL.

U.S.C 1681 ( a ) -In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions.

Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 section 602 A. - These accounts shall be removed/deleted immediately until they receive my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting by XXXX Dear CFPB I am writing to formally dispute inaccurate information that XXXX is reporting on my credit file. Specifically : Account that was fully paid with the original balance of XXXX. 

First issue is, XXXX Re-Aging of My Payment History : XXXX has incorrectly reported my first payment as XX/XX/year>, which is inaccurate and misleading. This misrepresentation of my payment summary has negatively impacted my credit history. Also, XXXX has incorrect Delinquency Reporting on my consumer profile 's payment summary. XXXX is reporting my account as 60 days past due as of XX/XX/year>. However, I made a payment that month, bringing my account current. Despite this, XXXX failed to update my account status to reflect current after a payment was completed on my Experian credit P

rofile Payment Summary, leaving it incorrectly marked as 60 days delinquent. These inaccuracies violate federal and state consumer protection laws, including : Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers of credit information from reporting inaccurate or misleading data to credit bureaus. XXXX failure to update my payment status and its re-aging of my account violate this provision. 

Consumer Financial Protection Bureau Regulations : Under the CFPBs authority, creditors and furnishers are required to maintain accurate and fair reporting of consumer credit data. Providing false or misleading information can be considered an unfair, deceptive, or abusive act or practice. 

California Consumer Credit Reporting Agencies Act California Civil Code 1785.25 ( a ) : States that a company can not furnish information to credit reporting agencies that it knows or should know is inaccurate. XXXX failure to correct these errors after my account was made current is a violation of this law. 
Californias Unfair Competition Law Business & Professions Code 17200 : Prohibits unfair, unlawful, and fraudulent business practices, including misleading credit reporting practices that harm consumers. 

I already disputed this account with Experian and XXXX continued to furnish them with this inaccurate information. XXXX is in Violation of FCRA 15 U.S.C. 1681e ( b ) ( Failure to Maintain Maximum Possible Accuracy ). 

XXXX has a duty to provide only accurate and up-to-date information to Experian. By continuing to report the wrong account status after a dispute, they failed to meet this standard. 

I am requesting that XXXX promptly correct these errors by removing this inaccurate account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is inaccurate for my credit card accounts, my name and address are incorrect and accounts reporting inaccurate information. 
Name unknown XXXX XXXX Addresses unknown XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXXXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX Unknown numbers XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts on reports are reporting inaccurate payment history I would like them to be reviewed I was making payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ssn # on this credit report shows the last 4 # incorrect. Please update this info to show correct.
Product: Debt collection

This collections first appeared on my account in XX/XX/XXXX in the amount of {$460.00} for XXXX XXXX. I contacted the collection agency directly to obtain information regarding this account. The collections agency suggested that I speak directly to XXXX XXXX. 

XXXX XXXX provided me with forms to complete to dispute the account. I completed these forms and returned them to XXXX. After numerous letters mailed to the credit bureau, all three collections removed the collections from my report. 

A few months later I received a letter from XXXX stating that the account would be removed from collections. 

In XX/XX/XXXX the account showed up on my credit report again for XXXX XXXX in the amount of {$460.00}. Because XXXX had confirmed with me in XX/XX/XXXX via letter that this account was indeed fraud and they would report to the credit bureaus. I disputed the account with the credit bureaus. 

Again this account was removed from my credit report. 

Here we are in XX/XX/XXXX and the same fraudulent account is reported to my credit report again for XXXX XXXX in the amount of {$460.00} this time.
Product: Credit reporting or other personal consumer reports

I recently sent a dispute to check if the account on my credit report is correct and complete. They didnt do a proper review. I believe the information is still wrong and incomplete. This is causing me a lot of stress, and Im feeling really overwhelmed. Please help meI dont know what to do.

Just to be clear, I am the one submitting this dispute, not someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed credit freezes with all the bureaus, as a protection in the wake of the XXXX breach. I was able to place free freezes with the other bureaus, but Transunion made me input a credit card number and then charged me {$3.00}. I later looked up their fee chart ( https : //www.transunion.comXXXXXXXX ) and saw it should have been free, since I live in New York . The address they have on file plus my credit card billing address are for my current New York address.
I spent about a half hour on the phone until someone told me that I was charged the rate for a Georgia resident. I have not lived in Georgia since XX/XX/XXXX. I have no idea why I 'm responsible for paying for their incorrect information, which I never consented to them having in the first place. No one on the phone had any idea how to refund me. They just bounced me to other clueless reps.
In the course of the calls, I was told to call another number, which I did, and it sounded remarkably like a scam. The rep 's first question was for my full social security number, which I refused to give him and hung up.
I understand the {$3.00} I was billed is a tremendously insignificant sum in the grand scheme of Transunion 's decades of unethical XXXX, but it 's still unjust and I want to do anything in my power to never give these extortionists any of my money. So I 'd like the {$3.00} they stole from me on the justification of their own incompetence back.
Thanks for any help.
Product: Credit card or prepaid card

I always paid on time, and this giving me anxiety, I neves XXXX paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  account number XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demabd these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Notice Pursuant to 15 UCC 6802 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian Dispute Department, I am writing to address my credit information and the resolution of a dispute with Experian credit bureau XXXX specifically concerning my account with XXXX XXXX XXXXXXXX XXXX Despite the resolution of the dispute, there is no exception to my opt-out request in accordance with 15 UCC 6802. I demand, unequivocally, that you immediately opt me out of information sharing pursuant to 15 UCC 6802. This is not merely a request, but a formal demand based on my rights under the mentioned statute. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Please provide written documentation confirming the fulfillment of this demand at your earliest convenience. Account Information : Account Holder : XXXX XXXX XXXX Thank you for your cooperation. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an error that was reported on my credit file by Experian in the first week of XXXX XXXX. A negative late payment was added to my account, which I believe was a mistake, and this has negatively impacted my credit score.

Upon discovering this error, I reviewed my file with XXXX, and after reporting the issue, they conducted a thorough investigation. XXXX found the discrepancy and took the appropriate actions, resulting in the correction and update of my credit report. 

In light of this, I came across information about the CFPB 's lawsuit against Experian and felt it was important to reach out to ensure that my situation is properly investigated and addressed. Specifically, Experian has not made any updates to my account since the negative XXXX late payment reported on XXXX XXXX XXXX However, I can confirm that the account is now up to date and in good standing. 

I kindly request a prompt and accurate investigation into this matter to rectify the mistake and prevent further negative consequences. 

Thank you for your attention to this issue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and resolution E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I returned from a travel event and during the process of looking to shop for a home going through the approval process, my credit report reflected various accounts and inquiries of which I don't know anything about to my knowledge. My personal information such as the spelling of my name, address, employment history, and more was also seen to be incorrect. I have never accepted or benefitted from these items/companies and have filed a police report with my local agency, filled out an identity theft affidavit, and an FTC report , and provided additional notices to organizations letting me know my information had been compromised due to a large scale data breech. I suspect I may be a victim of identity theft.
Product: Debt collection

In XXXX, a credit card XXXXXXXX XXXX card from XXXX has been contracted without my consent and on my name. I dont know who or how, but l didnt ask that card. At that time l had never used a credit card because its not in my culture to use it, and because l didnt need any. I always use my debit card - especially to avoid this kind of problems. The same year, for some reason that credit card was used to pay my XXXX XXXX plan. Which was an error because l always pay with my debit card ( and l can prove it ). I was living in a different address at that time, and l moved a couple of months later still without being aware yet of all that. In about XXXX, l start receiving XXXX XXXX and Portfolio recovery Associate letters saying l owe them money for a credit card. I thought as my husband, that those letters were scams and not legit. I never heard about XXXXXXXX XXXX and Portfolio Recovery Associate before, l didnt know these companies and what they are doing. So, it sounded not legit to us. So we ignored it for a year until l checked my XXXX XXXX XXXX! There was no reason for me to owe any debt. I have never had any debt in my life, even in XXXX my home country. So, when l figured this collection was real ( and l found out when l checked for the first time my Credit Score because we had the project to buy a house ), l have started disputing it. So, here l am. l now owe about {$500.00} just because bank and XXXX look like they made an unclear business offers for credit card to customers and contracted one that l have never needed and asked. I have never signed any contract and consent to get that XXXX credit card. The documents attached will show my good faith by indicating that l always pay my XXXX plan with my debit card. Only the payment in XXXX was made by the credit card by mistake. Again, I have never needed and asked this card and no idea how it was used for that payment.
Product: Mortgage

( 1 ) Here the important facts : a. I was not informed of the intricate details on expiration of pricing quote. Not even once. 
b. Instead, the loan officer representing Citizens Bank informed me, that the bank is working towards waiving off the 1 percentage point even in XX/XX/2023. Provided screenshots of text messages for your reference. 
( 2 ) The Loan Officer never told me that the request of waiving off 1 percentage was denied. And had assured till the last moment of closing, that the 1 percentage point will be reimbursed. Also, on the day of closing the Loan Officer created a huge confusion regarding my loan amount. He is not reachable at all for any questions and clarifications, and it was a nightmare for us to complete our closing formalities. 
( 3 ) The Office of the Chairman is lying and hiding the facts, providing false statements about my complaint stating that the Loan Officer communicated to us, that the case was denied. 
( 4 ) This gross misrepresentation of the facts had caused a huge financial loss for me. I would expect that it is fair for the bank to take the responsibility and reimburse. 

The Loan Officer never told me that the request of waiving off 1 percentage was denied. And had assured till the last moment of closing, that the 1 percentage point will be reimbursed. Also, on the day of closing the Loan Officer created a huge confusion regarding my loan amount. He is not reachable at all, for any questions and clarifications and it was a nightmare for us to complete our closing formalities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX XXXX have placed an inquiry on my XXXX  & Experian credit file dated XX/XX/2019. I spoke to XXXX XXXX XXXX the reps in XXXX CA office and was told that there would be no inquiry to my personal credit. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX, XXXX Complaint Department Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, Per previous outreach regarding the unknown inquiries, I was told to contact the creditors regarding the removal of the unknown items. I contacted all creditors and asked them to remove their credit inquiry from my credit profile.
Product: Debt collection

I had a medical debt of {$160.00} which i wasn't aware of until I was in process of refinancing my home. I had never received any phone, letter or email communication from them. The company is called XXXX from Ohio. Had i known, i'd have paid it off for a such a small amount. They reported to my credit which took a long time to build. I paid that off immediately but my credit 's gone down significantly for {$160.00}. This happened during covid when i was laid off from my job Is there anyway you could help me?
Product: Credit reporting or other personal consumer reports

I wish to formally lodge a complaint against the XXXX XXXX credit card company, also known as XXXX. Last year, I utilized their automated payment system to settle my bill. Despite having sufficient funds in my checking account, the payment was not accepted. Consequently, this situation led to a 30-day late payment notation on my credit report, significantly impacting my credit score. I am now seeking to address this issue by filing a grievance with the company. My objective is to request the removal of the negative entry or, alternatively, pursue legal action with the assistance of an attorney. 

In a recent occurrence in XXXX, I faced a similar situation when I made a payment through the automated system. Despite providing accurate information and ensuring an ample balance in my account, the payment was returned. I am inclined to believe that there are flaws in their system that require rectification. The automated payment system appears to have numerous errors, resulting in customers experiencing adverse effects on their credit standing. 

Recognizing the paramount importance of maintaining a positive credit history, I am committed to taking the necessary steps to rectify this situation. My primary aim in filing this grievance is to have the negative information expunged from my credit report. Additionally, I urge the company to conduct a thorough review and update their automated payment system to prevent similar issues from affecting other customers in the future.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I sent certified letters requested validation because I recognized that the information on my credit report wasn't reporting accurately across all three credit bureaus. 

Items requested : Verification of the debt, Proof of ownership, Full account history, Copy of the agreement, documentation on your licensing. 

I have yet to receive a reply back with any information from XXXX, XXXX & Experian in regard to this. All items are still reporting inaccurately and I'm quite concerned & upset. I understand that any information found to be inaccurate or incomplete or not verified is to be deleted. 

According to Metro 2 compliance and FCRA, 15 U.S. Code 1681s-2. It requires that all data reported by CRA is accurate and complete. This includes information such as account balances, high limits, payment history, account status, last dates of activity and identifying information. CRA 's must remove or correct inaccurate, incomplete, or unverifiable information within 30 days of notice. It has been XXXX days since I've sent my first dispute letters and there are still inaccurate items being reported. 

Below I've highlighted the inaccuracies across the three CRA bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( late payments ). 

I want all inaccurate charged off accounts listed deleted off of my credit reports immediately based on Metro 2 compliance & FCRA rules.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Onemain XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$3000.00} XXXX XXXX XXXX XXXX Original Balance : {$230.00} 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

Hard inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX JPMCB Card dated XX/XX/XXXXXXXX  After contacting, I received no information or deletions from my credit report.
Product: Debt collection

This debt collector has this debt assigned to me, when it is my ex wife 's responsibility, divorce decree filed XX/XX/2017. Upon dissolution I acquired half of debt that I have taken care of. My work on my debt load and simple fact I will pay, GLA collections has tagged my credit and continues to maintain calls, and bills. The last rep from GLA Collections told me it was only {$32.00} dollars and it would be easier to pay it than fight it. I make a written and verbal dispute about the account.