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

On XXXX XXXX, 2017 I applied for a XXXX XXXX position with XXXX XXXX XXXX XXXX XXXX in XXXX, Utah and told the HR Manager that I did have XXXX XXXX from 9 years ago. On XXXX XXXX, 2017 I received my background report from GSI ( General Information Services ) and on the report they had listed my charge as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on page 3 ) which is the correct charge but on page 2 under grading results they had grouped it with XXXX XXXX. I immediately filled out the dispute form stating that no where in my record was there anything close to XXXX. On XXXX XXXX, 2017 I spoke with XXXX XXXX about the dispute and she told me that there was nothing GSI could do about the grading results, she said that XXXX groups like charges together. I told her that the charges were n't even in the same category and that I wanted it removed immediately, to me this is defamation of character. She basically told me that it did n't matter that I and XXXX 's were the only ones that would see this, I still told her that this was unacceptable and that it was sent on GSI 's company letterhead and so therefore I would hold GSI responsible. On XXXX XXXX, 2017 I received another letter from GSI stating that they had not changed anything on my report. I can understand not getting the job due to the charge but I refuse to have my charge grouped in with anything like XXXX. I feel that if they did this to me they are doing this to others and it 's not right. I have contacted several agencies and they agreed that I needed to file a complaint. I sent all of my court papers to GSI in my dispute letter and feel that they are responsible of a gross injustice by grouping the charges where they are so different. I believe that they should be held legally responsible for defamation of character and they need to be investigated for false reporting and should n't be allowed to group such different charges together. I take ownership of my past but refuse to have anyone accuse me of something such as XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the following accounts 3 times with not response from the bureaus. Please assist in the investigation. 

XXXX XXXX XXXXXXXX : Validation has not been provided for this collection. Equifax reports it as 120 days late with 4 late payments. XXXX reports the collection as open. Please delete immediately. 

XXXX XXXX XXXX  XXXX : No validation has been provided for thhis account. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX : I have not recieved a dunning letter from this company. I have not been provided validation when requested. Validate this account or delete immediately. 

XXXX - XXXX : No late payments are reported for Equifax and XXXX. XXXX reports undocumented late payments. XXXX ha a XXXX high balance. Equifax has a XXXX limit. There are different dates of last activity and last payment. Please delete immediately.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

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

15 US-CODE 16921 XXXX XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I emailed the company several times regarding the high interest fees and to transfer the liability of my debt to my trust and they would not comply. Ive asked the company to revoke my ach agreement and refund all money that has been taken out of my account without my authorization and i have not gotten an answer. Please his company has taken over XXXX $ out of my account and will. It issue me a refund after I have already mailed in a form of payment. I feel Im a victim of security fraud and I would like this to be handled the best way for this matter. As a consumer my rights have been ignored and violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 5XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX USDOEXXXX XXXX US DEPT ED 5XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Received a email from National Credit Collections stating I owe {$760.00} a debt that I never took out from this company. Company via email stated that if debt was not paid they would file with my district court and declare dead and loan default.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I filed a dispute with the credit bureau about a bankruptcy listed on my credit report. The credit company explained that the bankruptcy listed was provided by the circuit Court. I wrote to the circuit Court clerk and they sent a letter stating that they did not give my information to a credit reporting agency. I sent a letter to the credit and provided them with a copy demanding they remove the it. They violated my rights under the permissible purpose law and also violated my rights as a natural person. I would like for this item to be removed from my credit report.
Product: Vehicle loan or lease

I have had a auto loan through GM Financial for 4 years one payment was made late during that time. InXX/XX/2016 the company pulled several payments out of my bank account at once. Three payments to be exact. They took out the current month and two additional months payments. My bank pulled back the funds and  investigated, They found GM Financial to be at fault. In the meantime the company repossesed my vehicle. It cost me a large amount with towing fees and storage fees and additional fees from GM Financial I got my vehicle back. Several thing were broken in my truck from the tow company. After all this they apologized I thought I will do my best to get out of the loan and away from this financial company. Now they have listed numerous late payment that were not there before and they are not reporting to any credit agency any payments or correct balances on my loan. ( Not reporting on anyones loans ). I recently went to purchase a new vehicle and was unable to. This company has me hostage. I called again today and was told there is nothing that can be done and they will not be reporting anytime soon. What are my options.
Product: Checking or savings account

On   XXXX    XXXX , 2017 I received a payroll check from my employer instead of a direct deposit as it would not be available until later in the month. The check was received by mail and I deposited this check via Chase Mobile app after  XXXX  PST and received a message that it was accepted. I then made bill payments. There was no message from my employer that the check was dated  XXXX   XXXX , 2017. The check was paid on the corporate bank account of my employer and there were enough fund to cover it as the payroll was scheduled to run on  XXXX   XXXX , 2017 for all employees across the US. Chase then returned the check and charged me overdraft fees. I alerted my employer who is direct depositing the same amount of the check on Tuesday,   XXXX    XXXX , 2017. However as of   XXXX    XXXX , 2017 my account is now over {$600.00} in overdraft. I went to a Chase branch in   XXXX   XXXX  , CA and the personal banker was only authorized to reverse {$100.00} dollars in service charges for   XXXX   NSF transactions out of   XXXX   so far. By the time I receive the direct deposit my account will still be in arrears and I will incur more charges if I ca n't make up the difference in 5 days. My next paydate is  XXXX   XXXX , 2017. Chase did not call the bank of my employer to verify funds because they said I did n't deposit it in person.
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My home branch is in   XXXX   XXXX   which is over an hour commute time from where I live. So I went into the branch near my house that was open on a Saturday. I have listed my home branch in the business contact details below.
Product: Debt collection

They've been intently harassing me non-stop to pay this debt but won't take my money. 
I've made countless efforts to get them to take my money, via phone and the website as well as sending emails. I have also contacted the original creditor, Discover card & they to refuse to take my payment. They lied to the judge on record certified mail that they didn't get a response and tried to get a default judgement, then they sent me a letter and not the court lying to trick me to not go to court. They send you to voicemail anytime you try to pay.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company is called affinity global they were called global credit collections. They keep calling my landline asking for XXXX XXXX who no longer lives here. They got there information from a site that u have to pay money to get that persons phone number and other information. I have sent them a electronic written letter saying for them to cease and desist but they keep calling
Product: Checking or savings account

I opened a account with wells fargo played account .I let them know a money wire from XXXX XXXX here in XXXX XXXX ca was going to land to my account with wellsfargo we filled out the papers we needed professionally I have all copies, ,my routing number was given to wells fargo they verified it by calling manager XXXX XXXX at XXXX XXXX XXXX she picked up the phone everything was verified on both ends..the money of the amount of XXXX was wired to wells fargo, so I had respected asked them I wanted to order half of the amount do to buying a mobile home..the next day I came to wells fargo took out a amount of XXXX good they gave me my money next day I came by and wanted another XXXX ..my money they wells fargo acted very disrespectful accused me of wire fraud by manager I asked them to have the manager put it on paper of the accusation they did not want to do that well cops came I stood my ground presented all my paperwork to cops of my dealing with XXXX XXXX after their long 40 mnt meeting cops came back out apologize to me of the mistake wells fargo commited and wish me good luck on getting my funds back well wells fargo freezes my acount for no reason told me XXXX XXXX XXXX took my funds back I went through XXXX but XXXX is good XXXX XXXX went in computers and said to me they never done some like what wells fargo is accusing XXXX XXXX of doing..ther it is wells fargo is once again doing the people of America wrong ... fraud I payed just like any other American for account and they did me wrong treated me like a piece of trash and stole my money ever since I've been to XXXX XXXX for XXXX out been XXXX for 2 years I've feel less than a man to my famaly my kids ..I went to wells fargo again this time I got XXXX XXXX and a fair woman answered and give me a case number and said they will be contacting me but hey who's to say I just dont trust wells fargo so here I am expressing my issue to financial services ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Mortgage

I have been paying a third party to submit my mortgage payments to pay off the loan faster and save me interest. XXXX XXXX through Western Union is charging a fee of {$2.00} per payment and probably another joining fee, unbeknownst to me. I want to quit being fleeced by XXXX XXXX and get my money back. They are not entitled to any money they have collected from me in over 16 years. This is fraud!
Product: Credit reporting or other personal consumer reports

CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint against XXXX for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : Company Name : Experian Company Address : XXXX XXXX XXXX XXXX, TX XXXX Phone Number : ( XXXX ) XXXX ( Experian ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { US BANKRUPTCY XXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus.

According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

XXXX. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to XXXX requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation.

4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.

5. Desired Resolution : I request that XXXX immediately remove the inaccurate bankruptcy entry from my credit report. The information has been confirmed by the original creditor as not having been reported to Experian, which makes its inclusion on my credit report a violation of the Fair Credit Reporting Act. 
I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 


Thank you for your time and assistance. 

Sincerely, XXXX XXXX