23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I had a vehicle financed through Wells Fargo. I identified a problem with my account and a charge that was not correct. While I was trying to remedy the situation I was communicating with managers about my account trying to get them to fix it. They repossessed my vehicle and refused to refund me the costs associated with their wrongful repossession. When I found out about the civil action against them I called and they said I would be contacted and receive a check in the mail. I have not heard from them. They sent me check for {$5.00}. I believe this is a sneaky attempt at getting me to settle. My lawyer informed me that by cashing the check I am agreeing to their settlement. I have not cashed the check but I am unsure what to do to receive the amount I am owed. I also do not know how much I am owed as this was many years ago and do not have the paperwork any longer. Please let me know my options as I feel Wells Fargo is still up to their shady tricks.
Product: Credit reporting or other personal consumer reports

In according to the Fair Credit Reporting Act ( FCRA ), credit reports must be accurate and complete. As a consumer, I have the right to expect that my credit report will reflect my credit history in a fair and accurate manner. Pursuant to 15USC16811 ( 5 ), I am requesting that you investigate and correct the errors found in my credit report. This section of the FCRA states that " if the accuracy of any information in the file of a consumer maintained by a consumer reporting agency is disputed by the consumer, the agency shall reinvestigate free of charge and record the current status of the disputed information. " I have reviewed my credit reports from the three major credit agencies ( XXXX, TransUnion, and XXXX ) and found that the following accounts contain inaccuracies : - Account 1 : XXXX XXXX XXXX XXXX XXXX  High Balance : The reported amount lacks accuracy in all three credit agencies. - Last Verified : The reported date lacks accuracy in all three credit agencies. - Date of Last Activity : The reported date lacks accuracy in all three credit agencies. - Date Reported : The reported date lacks accuracy in all three credit agencies. - Date Opened : The reported date lacks accuracy in all three credit agencies. - Closed Date : The reported date lacks accuracy in all three credit agencies. - Account Descriptions : The account description lacks accuracy in all three credit agencies. - Creditor Type : The reported creditor type lacks accuracy in all three credit agencies. Payment Status : The reported payment status lacks accuracy in all three credit agencies. - Creditor Remarks : The creditor remarks lack accuracy in all three credit agencies. - Payment History : The reported payment history lacks accuracy in all three credit agencies. Additionally, I have found that the following accounts contain the same inaccuracies : - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to address a deeply concerning issue regarding the suspension of my Venmo account, which has left me both frustrated and bewildered. To provide context, my original inquiry regarding the initial suspension was made on XX/XX/XXXX, and the ticket number for that concern is XXXX. 

I was grateful to receive a response on XX/XX/XXXX, after my concern was escalated, indicating that my account had been reinstated. However, my relief was short-lived as I received yet another email today, informing me that my Venmo account has been suspended once again. This recurring issue has left me bewildered and distressed. 

I want to emphasize that I have consistently adhered to Venmos User Agreement and have never engaged in any activity that would warrant an account suspension. I firmly believe that this latest suspension has occurred in error and should not have happened.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reported late payments on my account for the month XXXX XXXX XXXX  I paid off the loan before the loan term ending in XXXX  and would like this account removed immediately from my report. It is hindering me from obtaining new lines of credit.
Product: Vehicle loan or lease

I attempted to make a payment via phone on XX/XX/XXXX in an effort to provide a late payment being reported on my credit report. About a week later, I noticed that the money was never drafted from my account so I contacted Bank of America. The representative and I verified the information given. The information she recited was correct. She stated that the bank rejected payment. I contacted the bank and discovered due to a recent bank merger, the routing number changed. I relayed this information to the representative. I then asked if he could rerun the payment and back date it for XX/XX/XXXX so that I would not have a 30 day late payment on my credit report. He stated no ... .. I then requested to speak to a supervisor. I explained my dilemma and was again told no. I told the supervisor I was in the process of receiving a settlement as was prepared to payoff this loan in exchange for a little grace. She emphatically told me no due to human error. For the last few years I have been paying late due to not being able to do full time work. My attorney advised that I file for bankruptcy on many occasions. I decided against it as long as I was able to maintain my credit. I received my settlement on XX/XX/XXXX and at the advice of my attorney, I again contacted Bank of America on XX/XX/XXXX and spoke to XXXX XXXX. I explained my situation to her and explained that now I have the money to payoff the loan if Bank of America would remove that one blemish from my credit report. Again I was denied. I am not refuting the debt or any late payments ... ... but would like someone to consider removing the 30 day late payment in exchange for me rectifying the debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX responded and said they would make changes, but if you look below from the original dispute to now, nothing has been changed to paid on time. The consumer reporting agencies need to report all information with complete accuracy. This has been affecting my personal finances and eligibility for my family. Now, I am demanding that they mark my account as in fact paid on time since this is a violation of my rights. Thank you for your understanding and prompt action.
Product: Debt collection

They keep calling after I have told them to send me something writing and they refuse to.
Product: Debt collection

I get a judgement on my credit report filed by Discover Bank that I was not notified of. I request this illegal action to be removed from all my credit bureaus in a 5 days turn around. I completely disagreed with the method Discover used to put a judgement against me without any notification.
Product: Prepaid card

XXXX cards were compromised without my authorization. I've sent all the documents that required by law and company never help. What they're asking now is ridicules and against the law. I was informed by the police department that this type of reporting only can be done online ( Which the company doesn't accept ). Notarizing a private company form is against the law XXXX & XXXX hope to get my money covered back
Product: Debt collection

They called and gave out all of my personal info without verifying who they were or if they were talking to the right person. They gave out my American address and last XXXX of my social.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capstone credit & collection is reporting incorrect information on an account that does not belong to me. The balance on the account is {$3200.00} as of XX/XX/XXXX. Account states that it was opened on XX/XX/XXXX. Capstone has made several threatening phone attempts and. I have asked the company previously to verify the account is mine.
Product: Credit reporting or other personal consumer reports

I have been disputing a few accounts that's on my credit profile that belongs to my father. The accounts Im about to list do not belong to me and i need them to be removed. I become aware of these accounts after starting the process for a home. 

XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XXXX XXXX XXXX {$260.00} These accounts belong to my father not me.
Product: Credit reporting or other personal consumer reports

Please Remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I believe this account is either inaccurate or not reflective.

PLEASE send an updated copy of my credit report. According to the act there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report that I neither recognize or authorized. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't 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 719transunion has me at a score around 590. 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 im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to have the fraud alert removed from my report. I also have not been able to get an updated credit report.
Product: Credit reporting or other personal consumer reports

This letter invokes your rights under the Fair Credit Reporting Act ( FCRA ) and emphasizes that reporting inaccurate or unverifiable information is a violation of federal law. 


Subject : Formal Dispute and Request for Immediate Cease of Reporting Under FCRA Dear Velocity Investments LLC, I am writing to dispute the continued reporting of inaccurate and unverifiable information on my credit report, despite my prior communication with the creditor, XXXX XXXX XXXX, On XX/XX/year>, I sent a formal cease-and-desist letter to XXXX  XXXX requesting an end to all forms of communication regarding the account. Continued reporting of this account on my credit report constitutes a form of indirect communication, which I have explicitly requested to cease. 

The account in question is Account Number # XXXX Date of Last Activity/Charge-Off : XX/XX/year> Violations and Applicable FCRA Provisions : XXXX. FCRA Section 623 ( a ) : Furnishers of information are required to ensure the accuracy and integrity of the data they report. Continued reporting of unverifiable or disputed information violates this obligation. 


XXXX. FCRA Section 611 ( a ) : Credit reporting agencies must investigate disputed information promptly and delete or correct inaccuracies if the furnisher can not provide verification. 


XXXX. FCRA Section 611 ( a ) ( 5 ) ( A ) : If an item can not be verified or is found to be inaccurate, it must be removed from the consumer 's credit report immediately. 



Since the creditor has been prohibited from contacting me under my cease-and-desist letter, they are also unable to provide the necessary verification of this account. Therefore, I demand that this account be removed from my credit report immediately to comply with the FCRA. 

Requested Actions : XXXX. Conduct a full investigation into the disputed account. 


XXXX. If the furnisher can not verify the accounts accuracy, remove it entirely from my credit report. 


XXXX. Provide me with a written statement of the results of your investigation and a copy of my updated credit report. 



If the credit reporting agency or the furnisher of information fails to comply with this request, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. I may also pursue legal action to enforce my rights under the FCRA. 

I have attached the following for your reference : A copy of my cease-and-desist letter to XXXX XXXXXXXX which was sold to XXXX XXXX XXXX and this account have been written off as well. 

A copy of my credit report with the disputed item highlighted I expect your prompt response within XXXX  days, as required by the FCRA. Thank you for your immediate attention to this matter. 

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

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting XXXX  % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

Ive been a victim of fraudulent activity pertaining to my identity, kredit and XXXX XXXX ( XXXX ). Someone got access to my information due to the social securities being leaked irresponsibly by the gov. Now there are kards, accounts, and debts holding me back from living, due to NO FAULT OF MY OWN
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act, -XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX -XXXX XXXX XXXX, account # XXXX -XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX account # XXXX -XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX -XXXX  XXXX XXXXXXXX account # XXXX -XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This " law '' office has called me repeatedly at my office and on my cell phone ( which is listed on my office phone for patients to contact me ) saying that they have a " time sensitive issue '' for me but would not leave any information with my staff. They first titled themselves Brown and Joseph Law firm which when researched on the internet comes up as a fraudulent agency for debt collection and now, they are calling themselves XXXX XXXX XXXX. Same contact number. I do not owe anything, have received no delinquent notices of any kind from any of the companies I deal with and my accountant, who is my husband, and who is also a CPA and Chartered Accountant says there are no debts owed anywhere. How do I get a cease and desist? Also, why haven't these people been stopped?? they have been calling since XXXX leaving these vague messages. I left a message one time stating that if they could not leave a more detailed message or contact me via mail then I would not be contacting them. Please assist me ( and probably a number of other people ) with this.
Product: Credit card or prepaid card

I was charged a late fee and it was not reversed. Bank of America charges a late fee when the consumer pays on the due date stated online. It then reverses the late fee. The actual posting of the payments varies depending on the day it is paid when there is a weekend. This is the only credit card I have that does this. It also does not always show the same due date online every month. I paid on the online due date but was again charged a late fee. The late fee of {$49.00} charged on XX/XX/2023 and XX/XX/2023 were not reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to whom it may concern.

I submitted information to the credit agency about removing inaccurate information on my credit report. I asked for the credit agency to verify the inaccurate information. It's been over a year now and still there reporting the information and its affecting decision making with financial institutions.

if someone can assist me in this it would be greatly appreciated thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my credit pulled 32 times from a numerous amount of different companys without my permission
Product: Credit reporting or other personal consumer reports

I filed a complaint with CFPB about TransUnion. TransUnion gave the impression they were doing an investigation then didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX (  ORIG CREDITOR : XXXX XXXX XXXX XXXX NA ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( reported duplicate on XXXX credit report ) .. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is
Product: Credit card or prepaid card

I was trying several times to open chase sapphire credit card. 
I was rejected many times. The reason : many credit cards. 
I have only 3 from other banks with 0 balance. I spoke to credit reporting file. They confirmed I had 6 before. I have 3 closed 5 years ago. And have 3 active ones I always pay on time. My credit score is XXXX. 
Surprisingly chase sent me mileage  card with XXXX line of credit. 
I didnt ask about XXXX   card. They sent it to me by mistake. 
Its weird. Because right after I closed XXXX  card and wanted to open XXXX  again, I was rejected again. 
How many cards am I allowed to have if all of them paid within required time. 
I dont understand the reason for rejection. I have investment account in the bank of {$400000.00} Please help me to resolve this issue. 
XXXX XXXX
Product: Credit reporting

Transunion, XXXX and XXXX are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in XXXX years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the XXXX year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XXXX and the XXXX accounts were in the program which XXXX agreed to?!