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

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX  XXXX XXXX
Product: Debt collection

I am filing this complaint against XXXX XXXX XXXX XXXX XXXX, for improper garnishment practices, interference with legally protected assets under XXXX filings, and continued collection actions without proper validation of the alleged debt. 

Key Points of the Complaint : 1. Improper Garnishments : According to court docket reports from XXXX XXXX, Tennessee, XXXX XXXX XXXX has been receiving payments via garnishments labeled as payment received. 
These payments were taken without proper notice or documentation that the debt was legally owned by XXXX. 
XXXX has not validated the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), yet continues to garnish funds. 
XXXX. Interference with XXXX Filings : On XX/XX/XXXX, I filed a XXXX Financing Statement and a XXXX Information XXXX, asserting my legal rights over my personal assets. 
Midlands garnishment actions interfere with assets I have legally claimed under these filings. This constitutes a violation of my rights. 
XXXX. Failure to Validate the Debt : I sent a formal debt validation request to XXXX on XX/XX/XXXX, and their response failed to provide adequate documentation. 
Specifically, XXXX did not provide : A full chain of title showing ownership of the debt. 
A copy of the original credit application or agreement with Synchrony Bank. 
A complete transaction history or breakdown of how the debt amount was calculated. 
I sent a second validation request on XX/XX/XXXX, and I am awaiting their response. 
XXXX. Violation of XXXX Clause : The original credit card agreement with Synchrony Bank includes an arbitration clause that requires disputes to be resolved through arbitration. 
XXXX bypassed arbitration and obtained a default judgment in court, violating the terms of the original agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, and XX/XX/2022, I, XXXX XXXX XXXX sent XXXX, and Equifax a letter stating to remove the incorrect addresses. Later on in the month, I spoke with XXXX and he stated they received the letter on XX/XX/2022. He told me that I would have to wait 30 days from then for the dispute to process. It is XX/XX/2022, and they have yet to deleted the inaccurate addresses. I have attached the letters asking them to delete this information. This is a violation of my rights under the FCRA 15 USC 1681b ( a ) ( 2 ). I never gave XXXX and Equifax written consent to report any addresses let alone these inaccurate addresses. They also have a name by XXXX XXXX XXXX and XXXX, XXXX are not my names and it needs to be deleted as well. XXXX is well aware of the disputes as they have said they received it and are now in violation of 15 USC 1681n for knowingly reporting this information as it has caused me to miss out on multiple opportunities with finding housing. I seek remedy as a protected consumer. Please contact me as soon as XXXX and Equifax responds.
Product: Student loan

My loan information and history indicated on my Nelnet account contains numerous material inaccuracies, including the school, lender, loan type, and loan amounts. When I requested loan history information from Nelnet around XX/XX/XXXX, I received an extremely limited and inaccurate history of payments, and missing information for most of my loans as well as several missing servicer records. No history was available for the majority of my loans since XXXX, and the history provided for XXXX only contained information about one loan. I have records of many qualifying payments with XXXX and XXXX that are not contained on my payment history or accounts. Further, several loans are listed on my Nelnet accounts that list a school that I have no record of taking loans ( XXXX XXXX XXXX ) from and a lender that has no record of my ever having an account ( XXXX XXXX XXXX XXXX  ). These inaccuracies, errors, and missing information warrant correction and cancellation of inaccurate loans.
Product: Credit reporting or other personal consumer reports

There are old address and a variation of my name that I dont use. 
The old addresses are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY And a the variation of my name I never seen is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX NY XXXX My only name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying and have been unsuccessful to correct items on my capital one account ending in XXXX. They are stating I was late on this account on several occasions, which is not true. They show a late payment XX/XX/XXXX and for XXXX and XXXX of XXXX. This information is incorrect and has never been late, but yet they still show on my report as late. I was told by the Capital One customer representative at the time that there was an issue with the system and that may have caused these to show late during the XX/XX/XXXX year. I didn't think these items would show on my account. I don't believe I should be punished for the mistake of capital one. These mistakes have caused me issues when attempting to purchase a house and it's taking a financial toll on my life as well as my family 's life. Please correct these late payments to show in good standing and show I paid on time. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are reporting erroneous information in my credit file. I sent a request to each credit bureau to reinvestigate all alleged collections. It's been over 4 months and I still haven't received any response or anything. These alleged accounts does match either credit bureau account statuses. These accounts are definitely errors and erroneous and it is hurting my scores and reputation. I want them removed immediately.
Product: Debt collection

On XX/XX/year> this debt company XXXX XXXX XXXX, started reporting to credit bureau a debt that i do not owe to the original creditor. This debt company claims i owe {$1.00}. but this is not correct because this debt was paid off to Superior Funding before it went to collections. I will not pay this debt again to XXXX XXXX XXXX because they did not follow the CFPB and FTC compliance. I will not be pressured or intimidated into paying this debt XXXX XXXX XXXX XXXX trying to collect money from an account that should have been closed by the Original creditor.
Product: Credit card

The former issuing bank of my DELL credit card was changed. When reviewing a statement I noticed a charge on my card that I did not make. It was a charge that I recognized but was paid off in the past, under the old issuing bank. I was in shock. Why would this transfer over under the new issuing bank? Are they kidding me. It was a charge approx {$100.00} for a Dell horizon backpack. It was originally purchased in XXXX of XXXX. 
I called the new bank immediately. They put it under dispute but I am still furious over this. How could this even happen? How dare they? It should have been removed immediately. Who's fault was this? Was it the fault of the company? Dell? If it was the new bank shoudl have told me that. I have to wait now as this is under dispute? What about an interest I was charged now on this error. Its just sloppy and unacceptable. They should have credited it immediately, since it never should have happened.
Product: Debt collection

Between XX/XX/22 and XX/XX/22 they have called me a total of 9 times. 3 times on XX/XX/22, 4 times on XX/XX/22 and 2 times on XX/XX/22. On this date of XX/XX/22 they have started calling my children since I finally blocked their number.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Amount : XXXX Complaint : A Charged Off account is a certificate of certificate of indebtedness which means it is income and must be removed from credit report. 

No steps were taken by the company to remedy the reporting to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

15 USC 1681 In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally consumer rights to privacy and confidentally. 15 USC 1681 section 602A states i have the rights to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish a account without my written instructions. I didnt give anyone instructions to furnish these accounts. Remove these accounts immediately. These are the accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I used my sphere credit card through Santander Bank to purchase a specialized automated indoor grow box from XXXX on XX/XX/XXXX. In order for this machine to work, you must have access to their server and their customer service. The machine arrived on XX/XX/XXXX and was up and working on XX/XX/XXXX. I was in contact with the company until XX/XX/XXXX and I never heard back from them again. On XX/XX/XXXX, the grobo was not working properly and I had to shut it down. Since I could not contact XXXX at the time, I reached out to my credit card company ( sphere through Santander bank ) on XX/XX/XXXX to dispute my charges since I couldn't contact the company. The credit card company gave me a tentative credit while they looked into the dispute. When I got word that the dispute was denied, I contacted the credit card company. I then put in a second dispute where I supplied a bankruptcy letter from XXXX. I was again denied the dispute. I called the credit card company again and spoke to a supervisor, XXXX, who was going escalate my dispute and update me the next day and I never heard from her. She also claimed they didn't use the bankruptcy letter in their decision. I got a letter denying my dispute again. When I called again, I was told I can not dispute it anymore. This product does not function if the company is unreachable. I can no longer use the machine as it is not working properly and if it did, there is no way to get supplies since the company no longer exists. I just want what I put out for it {$1900.00} plus interest back. I don't feel my credit card company is acting in my best interest as I have had another dispute before this one in which I was denied and I had to take care of it myself. They denied me a dispute to a charge from XXXX pick up from clear across the country during the pandemic.
Product: Debt collection

I received a notice from a collection agency called Choice Recovery. I called and let them know that my insurance company is a contracted provider with the company they are collecting for and that my insurance company had paid and I was n't responsible for the {$890.00} amount they were collecting. 
I was told that they have to rebill my insurance company but that I may still be liable. I tried to explain that they are n't allowed to try to collect on a claim that was paid or denied through a participating insurance company as I had {$0.00} responsibility listed on my EOB. 
I called again this morning and let them know that I was going to follow up with my HR department and insurance company as they were n't following guidelines by threatening to send me to collections if I did n't respond within 30 days to their letter. I spoke with XXXX XXXX who told me that it did n't matter what my insurance company stated I owed them. 
I feel that this is a scare tactic and is an illegitimate way to collect money that is not owed to them. I wonder how many elderly or less informed consumers have paid them monies that they are not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX  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: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$220000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have disputed inaccuracies on my credit report with XXXX, XXXX and Transunion as well as XXXX. XXXX removed the inaccuracies due to identity theft/fraud to which a police report was provided to ALL credit bureaus. However after several disputes to XXXX, XXXX and Transunion all has stated that the information has been verified. I have additionally sent letters asking for their method of verification, and the only response received is that the information is verified. I have contacted XXXX as XXXX is their 3rd party vendor, verifying said information, to which I received a letter from XXXX that that the inaccurate information was removed as well as they provided me with an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking advantage of due to Malpractice while several laws were broken under the FCRA by your company. Due to this malpractice i have been unable to apply for credit and financially injuring me and hindering me from the ability to apply for credit. I have asked for Validation from Equifax which was ignored when i asked for Validation, Original Instrument of Indebtness, Original Contract, How it was " verified '' and why this innacurate account is on my Equifax and let alone not on XXXX or XXXX. This has dropped my scored XXXX  points and has a bad mark on my report. During the Pandemic i was taken advantage of and my credit reports were marked with negative " late payments '' which was under the Cares Act, previously and even after my payment history was and has been 100 % on Time Payments.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  Account Account # XXXX, has violated my rights XXXX  XXXX Account # XXXX, has violated my rights XXXX  Account Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights 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 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list o items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX CT XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX : - XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX BANK XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : - XXXX  CARD XXXX Balance : {$3000.00} XXXX CARD XXXX Balance : {$2900.00} XXXX CARD XXXX Balance : {$2900.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX BANK XXXX Original creditor XXXX XXXXXXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Original creditor XXXX BANK XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$110.00} XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

On XX/XX/2019 my Wells Fargo business checking account was debited {$370.00} via a BUSINESS TO BUSINESS ACH to XXXX as " lawn/garden ''. Long story short, Wells Fargo closed the case stating I had two days to dispute the transaction but that time had passed and there is nothing they can do for me. XXXX XXXX fraud dept told myself and a police officer that they have no transactions listed from my bank account anywhere in their database. Wells Fargo told myself and the police officer they considered the matter closed even after we both informed them of our individual calls to XXXX XXXX. The question the Wells Fargo staff refused to answer is where did the money go if XXXX XXXX has no record of the transaction? Wells Fargo fraud dept refuses to investigate this matter further, which the police detective said looks bad on them, like they are covering up fraud, which he told them over the phone to no avail. Clearly this is a fraudulent transaction and considering the facts, it appears to be a case of internally generated fraud by Wells Fargo personnel. Why won't Wells Fargo fraud agents investigate this matter and work with XXXX XXXX to determine where the funds went to? In any case, Wells Fargo customer service is not helpful, very difficult to navigate to their dept via phone and are at times outright hostile. Even the police detective complained of how he was treated over the phone after being transferred eight times to various departments only to be told there is nothing further Wells Fargo will do. This is how the bank treats and protects their customers? Looks like another Wells Fargo clever trick to scam money out of their customers ...