23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXXXXXX XXXX account, account XXXX. Specifically, late payments were reported for the months of XXXX XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Debt collection

filed a complaint via BBB on XXXX/XXXX/XXXX compang replied that they would be providing validation of debt on XXXX/XXXX/XXXX but as of today XXXX/XXXX/XXXX nothing has been received and collection is still on credit reports
Product: Debt collection

I received at least two texts from XXXX debt collection company. They included a reference number, web address link, and a call link. I used the link and their website requested the reference number, and either the last 4 of my social security number, or the month and date of my ssn, or my first and last name. I didnt want to give them my ssn numbers so I opted for sharing my birth date. Nothing resulted after I submitted the info, so I then submitted the last 4 of my ssn. That didnt result in anything, so I finally submitted my name. The next page displayed information about a debt that I do not owe. It read that I owe {$4500.00} to original creditor, Synchrony Bank. The current creditor is supposedly XXXX XXXX XXXX XXXX. My XXXX XXXX account does not show either one of these creditors, or the amount owed. I believe that because they dont have my SSN and are only going on my name, they are at best wrong or at worst committing fraud. I used to work for a legitimate collection agency for 3.5 years and from what I learned on the job, they are committing questionable and suspicious debt collection activities. I chose not to reach out to them directly because I still dont know if they are a legitimate company. I dont want to be dragged down a manipulative and deceptive hole for a debt that I dont owe. Thank you for your support. That is all the preliminary information I have. The website noted that I have 30 days before they report it to my credit. Please help me with any advice you can give me. Thanks again!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to remove multiple inquiry 's that I did not give my permission to be on my customer report. They sent a letter XXXX, XXXX, 2021 stating that it will not be removed.
Product: Checking or savings account

On XX/XX/XXXX I noticed that I had multiple charges in Alabama when I live in Georgia. On the date that my transactions occurred I was working. The transactions took place from XX/XX/XXXX to XX/XX/XXXX. I have footage along with dates and the time of when I was home and etc. I was denied my claim of XXXX after what I assume was barely an investigation at all.
Product: Credit reporting or other personal consumer reports

This complaint is not sent in error, please take it seriously. The inaccurate information in my credit report has caused me immense frustration and inconvenience as it has impacted my ability to secure new credit approvals.
Product: Prepaid card

Received {$100.00} gift card as a reward from prior employer. Card was temporarily misplaced. Upon locating gift card indicated XX/XX/2023 expiration date. Card issuer Center State Bank refused to re-extend expiration date and back of card terms fail to indicate that gift card cant or wont be extended. Customer service personnel also failed to provide phone number of company that initially funded said gift card and therefore unable to contact business and request of them to re-extend or reissue card with updated expiration. Viewed gift card terms as : use it or loose it. Unacceptable. Gift card is noted to carry the XXXX trademark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed 2 separate complaints for one company, Coachella Valley Collections Services for account # XXXX with the original alleged collections amount of {$390.00} from the original creditor XXXX XXXX XXXX XXXX XXXX ( a ) XXXX on XX/XX/XXXX, with complaint # XXXX and ( b ) another on XX/XX/XXXX with complaint # XXXX. 
Both complaints have had Coachella Valley Collections agreeing to remove the collections from all three of my credit bureaus ; however, according to my recent XXXX credit report created on XX/XX/XXXX file ID # XXXX, the collections is still reflected under my name. It is also still reflected on my XXXX Report according to my XXXX XXXX account as well. I am requesting for this collection to remove as it had been agreed upon last year that this collection was wrongfully documented and incorrectly pinned under my name. I have attached documents to support the collections removal has still not occurred according to Coachella Valley Collections Services claims from XXXX that would support my claim.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they 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 include it again. Kindly correct or delete the following items : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXX creditor XXXX XXXX XXXX which I disputed this account with the Bureau back XXXX XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others on my credit report!
Product: Checking or savings account

I continue having issues with Wells Fargo. Currently I am unable to access my money and my debit card has been deactivated. Wells Fargo is currently holding XXXX XXXX  dollars belonging to me hostage. I reached out via XXXX and XXXX just stopped responding. I then called back out and spoke with XXXX who was rude, argumentative, and could not tell me why my card was deactivated. I asked for speak with a supervisor and spoke with an agent who refused to give her name and refused to help because she said I was " talking down to her. '' I asked her to again escalate the claim since no one followed up and she hung up the call. These are the people who work at Wells Fargo.
Product: Credit card or prepaid card

On XX/XX/2022 my Bank of America credit card was charged for {$1200.00} for a company called XXXX XXXX XXXX, XXXX in XXXX XXXX, WA. I did not approve this charge. I didn't even know what they were until I contacted the company. They had no idea what I was referring to as they are a holding company and do not deal in any credit card transactions. XXXX the person I spoke to looked into their financial records and could not find that amount or my name associated with any of their records. I contacted Bank of America and tried to have this charged reversed THREE times with the last attempt on XX/XX/XXXX when I spoke to a fraud supervisor in Texas named XXXX. He said I would be receiving letter by email and regular XXXX mail re-opening my claim with the # XXXX. The first two fraud claims I opened, I received a letter stating that the merchant provided them with documentation confirming that I received the merchandise or service. Each time I asked them for their " proof '' they said they couldn't give it to me. I have spent hours upon hours trying to resolve this situation and continue to get the runaround. They have returned the charge to my account and expect me to pay it. I will not. Any assistance in this matter would be helpful.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX 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 an account without my written instruction.
Product: Credit card or prepaid card

I opened a XXXX Amex XXXX and XXXX Amex XXXX card. The XXXX card has a promotion of XXXX XXXX points after you spend {$3000.00} the first three months. I met the minimum spend of the {$3000.00} the very first month and they did not award me any of the XXXX skymiles points. The XXXX card had a sign up promotion of XXXX points after spending {$2000.00} the first three months. I met the minimum spend of the {$2000.00} the very first month and they did not award me any of the XXXX skymiles bonus points. I contacted them and they told me that if I had previously stopped using any of the cards that I had with Amex in the past they would not honor their promotional deal. This is unfair and false advertising to lure people into applying for their credit cards to get us to use their credit cards. We the consumer normally use these credit cards in case of emergencies only and not for everyday purchases.
Product: Debt collection

In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}. After discussions with both XXXX XXXX XXXX and XXXX they both stated that they will continue to hold my credit report hostage until {$180.00} is paid despite the fact that they have issued a letter to me that the debt is " settled in full ''. This obvious coercion violates the good faith negotiations that produced the settlement and payment of an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to retrieve my credit do data matches. Also I've tried to set up gas and electricity but I've had to pay large deposit amounts because they can't find me with the credit agencies in particularly Experian. I've sent my Picture ID 's Social Security and other identifying documents and I just can't seem to be able to resolve this matter. I set up XXXX XXXX  and they also dont show any information related to my score or credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my report from XXXX XXXX and I didnt give them permission to run my credit. Furthermore I dont even know this company
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened more than 6 years ago and it is showing as being opened in 2020. This account is falsely re-aged which is a violation of FCRA rules and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through non compliance, I have evidence that i have a self executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type. this account reporting is also a violation of hippa laws.
Product: Credit reporting or other personal consumer reports

previously disputed XXXX XXXXXXXX account ; late payments reporting in violation of heros act late payment dates : XXXX XXXX
Product: Credit card or prepaid card

I purchased a HORSE through XXXX XXXX of XXXX XXXX stable who had me use my TD Bank XXXX to charge {$2400.00}. 
To XXXX XXXX STABLES. I paid to have the horse delivered XX/XX/XXXX, to XXXX XXXX academy in XXXX NY. The horse was guaranteed to be sound and appropriate for my riding needs. After I paid the vet to examine the horse ( as agreed ) he was found to be immediately unsound and bloodwork and radiographs confirmed this. I called dealer and he said he would take his horse back and deliver another guaranteed sound and fit. He delivered another horse also found to be unsound by the vet ( I paid again for shipping and vetting ). At this point I told dealer I was reversing charges on my CCs and returning the second unsound horse. The dealer stopped returning my calls. The barn owner got involved and got him to take the horse back, which he did. I am currently out shipping, vetting and boarding fees. I reported immediately to TD Bank and followed up with XXXX phone calls and a written statement and XXXX visits in person to TD Bank branches. TD claims I didnt follow up and has closed the account keeping my {$2400.00}.
Product: Student loan

I have been contacting Nelnet for about 4 months requesting information on my refund due to my student loans being discharged. I received a letter XXXX  years ago stating my loans would be paid off and all payments made on the loans would be refunded to me. I have spoken to many agents at Nelnet and get a different reply each time. I did have two ladies tell me I would be getting a refund for my payments because they seem it in the system and to call back in XXXX. I called back last week and was told they see nothing and to call the Dept of Treasury. My refund amount should be {$30000.00}, if not more.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CHERRY TECHNOLOGIES IN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CHERRY TECHNOLOGIES IN Subject : Second Notice -Follow-Up on Charge-Off Dispute and Request for Documentation Regarding Account XXXX  On XX/XX/XXXX, sent you a formal dispute letter regarding the reporting.of the charge-off account associated with XXXX XXXX my credit-report. In this letter ; l requested the following : XXXX. Authenticated double-entry accounting records-for the account. 
2. Authenticated evidence, including original signed contracts.or agreements, verifying the legal right to collect and report the debt.

3. A.copy of the 1099-C form, if the debt has been canceled or settled XXXX for less than the full-balance. 
I requested a response within 30 days of receipt of the letter, but l have yet to receive the requested documentation.or confirmation that the account has been deleted from my credit report. This lack of response constitutes a failure to meet your obligations under the Fair Credit Reporting Act ( FCRA ) and XXXX U.S.C. 1681i ( Reinvestigation of Disputed Information ), 9 as well as 15.U.S.C. 1681s-2 ( Responsibilities of Furnishers-off Information ). 9 Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX proper investigation of disputes and verify the accuracy of information reported to credit bureaus. Your failure to respond and provide the requested documents is a violation of both your federal and state legal responsibilities. 
In light of your failure to comply, I am sending this follow-up letter to request an immediate response. If I do not receive the requested information within 15 days, I will be forced to escalate the matter further, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with the FCRA. 
Pursuing legal remedies, including statutory and actual damages, as permitted by law. 
Reporting this matter to the IRS and submitting a Suspicious Activity Report ( SAR ) regarding any potential fraud, should you continue to report inaccurate or unverifiable information. 
This will be my final attempt to resolve this matter directly with you. Please respond with the requested documents or confirm the deletion of this account from my credit report by 15 Days from the Date of This Letter Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

Hello I received an unexpected letter saying I owe XXXX XXXX XXXX and I want to file a FRAUD report. Someone used my name and information and false charges etc. I 've never owned a credit card since 2007 and got all my debts paid off under XXXX XXXX XXXX. Now this letter proves that someone is using my information and applied credit without my authorization. The XXXX account # XXXX and my name is XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXThe best way to email me is : XXXXXXXXXXXX or call through an interpreter that is already jointed XXXXPlease advise how to handle this serious matter. This is XXXX worth of charges. Where are the charges being made from? If it 's from another state then clearly you know that is not from me! 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXX XXXX record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. I have been identified for another individual with the same name as me. I go by XXXX XXXX and I have been identified wrongfully and I am a victim of indentity theft. I have never signed any documents including student loans with Fed Loans Servicing oXXXX XXXX XXXX XXXX XXXX. I know for sure that my name is mixed up with another XXXX XXXX, I 've had problems with this before in elementary school and now. It is a frustrating situation to be indentified for accounts that I have never opened. I never attended any school. Please fix this problem. This is an ongoing problem and it needs to stop asap. All Fed Loan Servicing and XXXX XXXX XXXX XXXX are to be removed from my credit report. It was erased and placed back on my report and if it is n't removed for good I will have no patience or understanding and allow my lawyer to deal with you in a civil or federal court.
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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

I never did business with this company Wakefield & Associates. 
RE : You violated The United States Code Law 15 U.S. Code 1681b-Permissible purposes of consumer reports.

( A ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b permissible purposes of consumer reports.

I never gave you any written consent to report anything on my consumer report. 
As a consumer by law this account on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.