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

Subject : Dispute of Inaccurate Reporting Violation of FCRA 623 ( a ) ( 3 ) and UCC To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX regarding the account listed below. I believe that this account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). 

Account Information : - Creditor : XXXX XXXX - Open Date : XX/XX/year> - Amount : {$410.00} According to the letter I received from XXXX XXXX ( attached for your reference ), this account was returned to the original creditors. As such, it should be deleted from my credit file. Furthermore, the account is not accurately reflecting the payment status. It is imperative that credit reporting agencies report accurate information, including the status of accounts as paid less if that is the case. 

The failure to report this information accurately constitutes a violation of the FCRA, specifically Section 623 ( a ) ( 3 ), which requires furnishers of information to provide accurate and complete information to credit reporting agencies. The inaccurate reporting of this account has negatively impacted my credit report and, consequently, my credit score.

Given these facts, I demand that you investigate this matter and remove the account from all credit files with your agency. Please confirm receipt of this dispute and provide me with the results of your investigation in writing. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Attachments : 1. Letter from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account RUSSELL COLLECTION AGENCY INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that RUSSELL COLLECTION AGENCY INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

XXXXXXXX XXXX XXXX took a vehicle back that was a rental in progress and when they repossessed the vehicle they also took my personal belongings very valuable items and I was not able to recover those they then later slapped a huge charge of over {$2000.00} on my account for a rental which had no explanation it made no sense I've been disputed the amount with my bank because there was more than the weekly cost of what the rental would normally be and the bank has not actually resolved this in my account is currently negative and has been facing numerous charges chargebacks and it's caused a lot of inconvenience because I'm not able to pay certain things using that account since it is negative and the dispute of charges is ongoing
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : OnXX/XX/2024, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car off and its still showing on my credit report its making it hard for me to get a new car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/18 my credit score went down XXXX points on my transunion credit report. There isnt any new negative information on my credit report that could cause this. When I called to find out why they told me that they couldnt give me a specific reason but to look at my credit report. I told them that there is no change to my report that could cause this. They told me they cant tell me why. This is insane.
Product: Debt collection

This debt is from 2006 This is the 1st notice I 've received since then and my check is being garnished. This debt had passes the SOL.I was never informed they were working towards garnishment.
Product: Checking or savings account

On XX/XX/2022, there was an unauthorized withdrawal in the amount of {$1800.00} from my chase bank saving account. Reported to chase bank & closed compromised account and created a new saving account immediately. Banker in chase branch promised it wont happen again as the account now set as high alert. On XX/XX/2022, another unauthorized withdrawal in the amount of {$1900.00} from the newly created saving account. Chase bank has a very poor security system which has no protection to their customers.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/ Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards and other accounts from XXXX XXXXXXXX {$710.00}, XXXX XXXX XXXX XXXX, XXXX {$20000.00}, XXXX XXXX {$3000.00}, XXXX XXXX {$890.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my 3rd letter to XX/XX/, 2022 as well as filed an official complaint with the Consumer Financial Protection Bureau. I told credit bureaus to investigate every piece of information on the accounts that I have listed below. 
According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge of concerning such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 
They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. 

Accounts XXXX XXXX XXXX ACCT # XXXX BAL {$1000.00} XXXX XXXXXXXX ACCT # XXXX BAL $ {$470.00} XXXX XXXXXXXX ACCT # XXXX BAL {$79.00} XXXX  ACCT # XXXX BAL {$990.00} XXXX XXXXXXXX ACCT XXXX LATE 30 DAYS XXXX XXXX  ACCT # XXXX BAL {$660.00} XXXX XXXXXXXX XXXX ACCT # XXXX BAL {$890.00} XXXX XXXX ACCT # XXXX BAL {$370.00} XXXX  ACCT # XXXX BAL {$830.00} XXXX ACCT # XXXX BAL {$370.00}
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions was notified by phone and letter stating unauthorized inquiries on my credit report. Listed below are the unauthorized inquiries. 

XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/year> I informed TransUnion Consumer Relation that my identity was compromised through several companies databases. where my personal information such as my name, address, social security and account number was included in a data breach. I requested unauthorized inquiries to be immediately removed due to its affecting my credit score utilization.
Product: Checking or savings account

I can not login to my paypal account. I lost My phone so I can not use the authenticator app for 2 step verification. Also, my phone number has changed. The only 2 options for 2 step verification in paypal are text to phone number and authenticator app, so my paypal is now useless to me. When I Call Customer service, I wait for hours for a callback which never comes. I need a manager to call me and fix this.
Product: Credit reporting or other personal consumer reports

I paid this loan for four years without missing payment. The amt kelp going up when I finally just told them I wanted Information on what they were doing they said I had been paying for insurance ce the whole time to cover payment incase got sick. The money wasn't going on paying g the loan. I've never heard of such a thing I ha e ask for paper work I contract, payment history with no return on any of it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the Items as soon as possible.
Product: Credit reporting or other personal consumer reports

My Experian account login was hacked and stolen. All information has been changed and I can no longer log into my account. They also opened a digital checking account under my name without authorization. When trying to call the company and speak with an agent I am put into an endless loop of automated replies. I need someone at Experian to call me and rectify this immediately.
Product: Mortgage

Dear Wells Fargo, in XX/XX/XXXX and XX/XX/XXXX, you were my mortgage loan servicer where you were both a mortgage lender and a mortgage servicer. The underlying mortgage loan that you serviced has Mers Min Id of XXXX, during XX/XX/XXXX and XX/XX/XXXX. According to HUD settlement statement, XXXX refinanced the mortgage lien under Texas Section 50 ( a ) ( 4 ) guideline.  This requires that XXXX will pay for your loan ( the  one you issued as a lender and as a servicer ) to be released since paid off by them. Then they will establish their lien. While XXXX did their fraudulent staffs, your company fraudulently pursued a DIL ( Deed in Lien of Foreclosure ), without even informing me. It is obvious that my signature and the agreements needed have been forged. So here are some important question on that regard. Was it a XXXX loan that they quit claimed or was it not, in which case you quit claimed in guise of a special warranty deed? This is important because due to your DIL and quit claim, my chain of title has been messed up. I don't mind you guys transfer your loan for mortgage backed security or sale if to someone else, what I do mind is that you forge the signature and all the documents using my identity and then finally break the chain of title. 
Hope you understand the pain. So please provide the state of this thing, so that I can take the right approach to fix this. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS MISTAKENLY REPORTING A DISCREPANCY ON MY CREDIT AND HAVE ACTUALLY CAUSED MORE DAMAGES TO AFTER I HAD TRIED TO FIX THE ISSUE THE FIRST TIME. I FIRST SENT A DISPUTE TO XXXX XXXX ON XX/XX/2022 TO RECTIFY AN INCORRECT BALANCE THEY WERE REPORTING. I SENT A DISPUTE LETTER AND PROVIDED PROOF OF MY SETTLEMENT PAYMENT. AFTER XXXX XXXX INVESTIGATED, THEY FAILED TO FIX THE ISSUE. IN FACT, XXXX XXXX  ACTUALLY STARTED TO REPORT A DUPLICATE TRADELINE. ONE TRADELINE IS REPORTING TO XXXX  BUREAUS WITH A XXXX  BALANCE WHILE THE DUPLICATE TRADELINE IS REPORTING TO XXXX  DIFFERENT BUREAUS WITH A BALANCE. THIS IS CAUSING MORE DAMAGES TO MY FINANCES, CREDIT AND CAUSING ME MISSED OPPORTUNITIES. I KINDLY ASK THAT XXXX XXXX BE DELETED FROM MY CREDIT COMPLETELY OR HAVE THE ISSUES RECTIFIED ASAP.
Product: Credit card or prepaid card

This appears to be a case of fraud. My brother XXXX purchased the gift card to reimburse me for some tickets that I purchased for him. Per the receipt, he purchased the card at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) in XXXX, UT. XXXX 's is part of the XXXX family of stores. 

Card purchased on XX/XX/2023. I received the card from my brother on XX/XX/2023 and attempted to activate the card on XX/XX/2023 at www.prepaidgiftbalance.com. The original amount on the gift card was {$120.00}. Apparently, the card had already been activated, because I could not register my information online. Called the number on the back of card : XXXX, entered the 16-digit card number ( XXXX gift card ) and then security number. The automated response offered an option to hear the current balance. Balance was {$28.00}. Could not get a live person on the line. 

Called the number again this morning, got a rep, gave them the card Information and my name, only to be told that the name on record did not match my name. Clearly a fraudster. Pretty sure that I will not be able to recover anything, but wanted to report this. 

Store location is : XXXX 's, XXXX XXXX XXXX, XXXX, UT. XXXX. I work in the banking regulatory arena, so I know that it helps to report these instances to protect the next unwitting consumer/customer. 

XXXX XXXX, XXXX XXXX, FDIC
Product: Credit card

I was charged in error for items I never received and it took the company ( Sears ) several months to resolve and refund this charge. I took out a Sears card to purchase a washer/dryer that they never delivered/installed. I have a different mailing address than my residence ( safety concerns ) and I received the bill slightly late as I was not expecting one at all. I called Sears Citi Card immediately, and they told me I needed to take my concern to Sears, that the entities were entirely separate. I was not informed at this time that unless I contested the charge within 60 days of the first statement, I would owe late fees and interest. I was not told that this is the reason that they denied my request to remove the late fees, but I can think of no other reason. 
I struggled with Sears customer service repeatedly and was told they could do nothing. Finally I emailed the Sears executive office, they managed to discern that I was charged completely in error and refunded the charges. However, Citi Card informed me that I still owed the late fees. I circled back to Sears and once again was told they could do nothing. I purchased nothing, I wanted the card cancelled the moment I requested a refund, however was told that it could not be cancelled until all of the charges were cleared off. 
I have been dealing with this issue for 5 months now. It has been an unwelcome demand on my time and attention at a time when I have just moved and started a new job. It feels like I have to work very hard just to watch out for being victimized. These " late fees '' for no purchases, no activity, seems predatory.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint concerns Experian 's repeated failure to remove an inaccurate address from my credit report despite multiple requests and supporting documentation. 

The incorrect address listed on my credit report is : XXXX XXXX XXXX XXXX, FL XXXX The correct address where I currently reside is : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX have contacted Experian multiple times and provided documentation verifying my current residence, including my driver 's license. Despite this, the incorrect address remains on my credit report. 

This failure violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. The continued presence of this incorrect address poses risks, including potential identity theft and misrepresentation to creditors.

I am requesting the CFPBs assistance to : Investigate this matter and ensure Experian complies with the FCRA.

Require Experian to remove the incorrect address from my report. 
Provide an explanation for Experian 's repeated failure to address this issue. 
I have attached documentation of my correspondence with Experian and proof of my correct address for your review.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXXXXXX XXXX XXXXXXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

I am receiving letters from XXXX XXXX XXXX, XXXX saying that I owe {$1200.00} from a transaction with Pay Pal on XX/XX/2019. I do not have a Pay Pal account and believe that this is fraud.I called XXXX XXXX to say that I did not make this transaction and they are asking for a lot of personal information which I am suspicious of. My attorney advised me to contact the CFPB to resolve this matter.
Product: Credit card or prepaid card

I enlisted in the military fall of 2018. I spoke directly with Wells Fargo about my credit card situation and that I would NOT be able to make payments while going through military training as we arent allowed electronics, etc. They assured me I would be fine and to notify them once I exited training. I exited training and once I arrived at my duty station I called to find out they had closed my account and sent my stuff to collections. I now have a huge blemish on my credit report and wish to have it removed as its constituted financial hardship for my family all due to an erroneous act on Wells Fargos part.
Product: Mortgage

I have an FHA loan that currently has escrow that includes a Mortgage Insurance Premium and I have requested that it be removed. My current loan balance is {$330000.00} and I have a 3.25 % fixed interest rate. I have not received a formal appraisal but neighborhood comps list my property value at {$510000.00}. The loan servicing company, PennyMac tells me that even with an appraisal, I must pay FHA Mortgage Insurance Premium for the full 30-years unless I refinance. To refinance would cost me more in the long run and I do not see this as beneficial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX XXXX XXXX account with the credit bureau . I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP