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

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and FCRA XXXX ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I sent a cashier 's check in the amount of {$230.00} to Money Lion Technologies. The details of this transaction are outlined in the attached letter, and it was clearly stated on the money order that if cashed, Money Lion agreed to accept the payment as in full and remove the account XXXX from all credit bureau profiles associated with my name and social security number. 

To my disappointment, the check was cashed on XX/XX/year>, and it has been 79 days since then. However, the account XXXX still remains on my credit profile, despite the agreed-upon terms. 

I kindly request your assistance in resolving this matter and ensuring that the account XXXX is promptly removed from all credit bureau profiles associated with my name and social security number. This discrepancy is causing undue stress and negatively impacting my creditworthiness.

I have made multiple attempts to contact Money Lion Technologies directly, but have not received a satisfactory response. Therefore, I am reaching out to your esteemed organization for support and intervention in this matter. 

Attached to this email, you will find a copy of the letter I sent to Money Lion Technologies, as well as proof of payment in the form of the cashed cashier 's check.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX  REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The best service company keeps adding interest to a collection account for a closed XXXX account. After speaking with the branch XXXX from the bank the XXXX account was issued by, I was told the balance should not be going up period
Product: Vehicle loan or lease

I had an Auto Loan through WellsFargo between XXXX. I believe I was misled and overpaying for my WellsFargo auto-loan. I ended up having to get my XXXX XXXX that was loaned through them repossessed and it eventually even messed my credit up so bad that I had to end up filing bankruptcy in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are all reporting my XXXX  XXXX credit card as having a late payment in XXXX of 2022. All three agencies are violating my consumer rights of the fair credit reporting act. These companies are in direct violation of 15 US code 1666b that states a creditor can not report an open credit account as late. They are also in violation of US code 1681i that states any inaccurate and invalidated information must be removed off my credit report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to submit some disputes on my XXXX  and equifax credit report online. I put in all the information that I was disputing and when I get to submit it the system will not allow me to do so. My balances on my charge cards are incorrect. I owe much less than what is reporting. I was disputing the balances because having these high balances show is affecting my credit score. I have paid off in full 2 credit cards and have paid other cards down by a significant amount. Why XXXX and equifax will not let me submit this information i have no idea.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2020 I requested my bank ( XXXX XXXX XXXX XXXX  ) to wire transfer {$10000.00} to my account with XXXX/Wells Fargo ( see attached wire conformation ) and the money never made it to my account. Both XXXX and XXXX XXXX XXXX XXXX and my self have been trying to get Wells Fargo to respond and or return my {$10000.00} with no luck. Wells Fargo has refused to talk to any of us when we have called them. Wells Fargo has not returned any of our phone calls, email or by wire communication back to XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I don't recognize these accounts
Product: Debt collection

This is in regards to an original bill from XXXX XXXX for around {$340.00}. The account was paid in full. On XX/XX/2020 this account showed up on my credit report under XXXX XXXX XXXX I had never been contacted, or provided any mail related to this company and this debt. I disputed with the credit bureaus explaining this was an old debt, already settled with XXXX XXXX, and it was removed from my credit report on or around XX/XX/2020 as paid in full, and not a collection account. 

On XX/XX/XXXX, Allied Interstate, LLC, again without any notification to me in writing, placed a new collection account on my credit report. I called and spoke with XXXX  who stated they saw where I had disputed it previously, and it was removed from my record because it was inaccurate. I asked why it had shown up again, and they stated because the former debt collector, XXXX XXXX XXXX, stated that they did not cancel the account, nor did they change it to a XXXX balance. 

I filed a formal dispute, explaining these details and was just informed by XXXX that the account was verified as accurate and will remain on my credit report. I asked if they had 'verified ' the debt with Allied Interstate LLC and they stated they were unable to do that. I am asking, please, that this creditor be investigated for placing this account back onto my credit report, without ever contacting me, and why the credit bureaus refuse to remove a debt that was already paid, already closed, and already removed from my credit report. 

Since I was informed that the debt was validated as accurate ( based on what I have no idea as it is doubtful they can produce any documentation regarding the history of the account, including proof that I owe this debt ), Allied Interstate has begun calling me, for the first time ( still never receiving a single statement allowing me the normal 30 day period to dispute the claim BEFORE it was placed on my credit report ), and currently I am receiving approximately 3 calls a days at all times of day and night. 

I refuse to speak with them given they never sent me written notice regarding this account, never provided me the opportunity to dispute the account prior to placing it on my credit report, and refusing to remove a most damaging collections account on my credit report. 

My frustration over an already paid bill to XXXX XXXX, which was already closed as paid in full, and has now reappeared - claiming I am late, in collections, never paid and every other possible awful thing they could say about this account - again without ever even being contacted prior by either XXXX or XXXX XXXX - seems both unfair, potentially illegal, but most likely not allowable under fair reporting acts. 

Finally, I would provide documentation - but I don't have any because no one ever contacted me from either of these credit bureaus. This debt is from when I lived in XXXX XXXX approximately 4 years ago, and has been paid, and i have had it removed successfully previously and am asking that it please be investigated and permanently removed from my credit record, if possible. 

Many thanks, XXXX XXXX
Product: Debt collection

I was charged XXXX by XXXX XXXX XXXX for a XXXX on XX/XX/14 for a child named XXXX XXXX. I contacted the doctors office to let them know that this wasnt my child my sons name is XXXX XXXX and that he did not receive a XXXX  when he was born. The office did not fix the problem and sold my case to XXXX collections who then added this debt to my credit report. I tried to dispute this charge and it was denied because the creditor claimed that it was a valid collection however when I received the claim in the mail it said the responsible person for this childs medical bill was a man named XXXX. When I spoke to XXXX they said they would remove the collection off my account because they saw the error but this collection is still on my account so nothing has been done by the company.
Product: Credit reporting or other personal consumer reports

I hope this statement finds you well. I am writing to bring to your attention an erroneous entry on my Trans Union credit report. On XX/XX/2024, an unauthorized inquiry from XXXX was listed on my report. I want to emphasize that I did not authorize, grant permission, or sign up for any such inquiry. 

I kindly request that you promptly investigate this matter and remove the unauthorized entry from my credit report. It is crucial for the accuracy and integrity of my credit history that this issue is corrected as soon as possible. Trans Union is currently the only credit reporting agency displaying this unauthorized XXXX inquiry. 

I greatly appreciate your attention to this concern and your assistance in rectifying this incorrect entry on my credit report. Please notify me of the progress and outcome of your investigation. 

Thank you for your immediate attention to this matter. 

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

I submitted a dispute request to the credit reporting agencies, I asked for an investigation into an account that is reporting an inaccuracy on my consumer report. XXXX XXXX XXXX account is being reported as a charge off, according to IRS Publication 4681 Canceled Debts, Foreclosures, Repossessions, and Abandonments : the lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. Once again according to the IRS publication 4681, even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I also asked for the following information : 1. A detailed description of the method or process used to verify the accuracy of the disputed charged-off amount on my credit report. 
2. The specific documents or evidence obtained and reviewed during the verification process, including any correspondence or communication with the creditor involved.

3. The date on which the verification process was conducted and completed.

4. The name and contact information of the individual or entity responsible for conducting the verification process.

5. Any other relevant information that sheds light on how the accuracy of the disputed charged-off amount was established.

To this day I still have not received the information requested. The balance that was being reported as written off is not the same amount that is on the 1099C form, which is also another inaccuracy. Overall, this company has violated many FCRA laws including : *15 U.S. Code 1681e ( b ) Accuracy of report *15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and ( B ) Reporting information after notice and confirmation of errors
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX {$2000.00} XXXX XXXX $ XXXX XXXX {$220.00} XXXX  XXXX {$290.00} XXXX  XXXX {$500.00} XXXX  XXXX {$140.00} XXXX   XXXX {$31000.00} XXXX  XXXX XXXX {$390.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX
Product: Mortgage

On XX/XX/2021 I have closed out a mortgage loan with Loandepot. They are suppose to send me the escrow amount but have not done so. They told me that it would take anywhere from XXXX weeks to XXXX  month to send me the money. To this day, XX/XX/2021, I have not got my escrow money and every time I call they are telling me that they have just re-issue the check but I still don't have any money ( they are lying to their teeth ). 

Please do not do business with Loandepot since they will tell you lies after lies so as not to give you your money on time.
Product: Mortgage

Via a letter dated, XX/XX/2018, Wells Fargo Home Mortgage accused me of a prohibited title transfer of my residential property at XXXX XXXX XXXX XXXX, XXXX, XXXX ( Lot # XXXX as specified in Schedule A of Open-End Mortgage Deed ) and threatening mortgage note acceleration and foreclosure. 

On XX/XX/2018, I provided to WFHM, XXXX XXXX XXXX, XXXX land and tax records certifying that title to XXXX XXXX XXXX XXXX , XXXX, Ct-Lot # XXXX had not been transferred. Further, in conversations with XXXX XXXX, Executive Resolution Specialist ( XXXX ext XXXX ), I requested a complete explanation of the errors identified in WFHM policies and procedures which resulted in the threatened foreclosure of my residential property. At this date, WFHM has acknowledged that a prohibited title transfer for Lot # XXXX has not taken place but has not provided any explanations for its errors or outlined steps to prevent future occurrences. 

Copies of all documents provided to WFHM can be provided.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I disputed this account, requesting proof of the debt. They failed to provide such proof and contine to report to the credit agency.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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, credit repair services, or other personal consumer reports

I am an authorized user on XXXX XXXX XXXX  account beginning with XXXX, a credit card with a {$600.00} limit and no balance. 

This company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home. 

Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Account name : FINBE USA/ AFS Accpetancce Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : TXXXX XXXX Account # XXXX It needs to be deleted for inaccurate credit reporting. FINBE USA IS showing up different names on XXXX and not showing on XXXX. I have no acknowledgment of these accounts. I did not open up these accounts. In accordance to the fair credit and reporting act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Also 15 U.S. Code 1692c If a consumer notifies a debt collector that the consumer refuses to pay the debt.. the debt collector must cease all communication.. please help me get these accounts removed from my credit.
Product: Credit reporting or other personal consumer reports

I have informed this company several times that they are furnishing inaccurate and incomplete information to my report. Company has failed to verify the SSN used to make these accounts & inquiries. 


Hey Mr Credit Bureaus I Was Looking At My Credit Report And This Account Looks Weird To Me The Last Date Of Activity The Last Date Of Payment The Account Number The Account Balance Everything On This Credit Item On My Credit Report Looks To Be Incorrect Can You Please Delete This Item For My Credit Report Because It'S Not Accurate And It Is Not Complete I Greatly Appreciate You
Product: Mortgage

On or about XX/XX/2020, I spoke with a representative from Network Capital Funding Corporation regarding mortgage interest rates. During the call I did not give permission for my credit report to be run, and told the agent I was not going to begin providing requested documents he said would be needed to begin the process. I had already refinanced twice during XXXX and did not have confidence that my current rate could be better. I did provided the agent my current loan amount, monthly payment, and my interest rate. My instruction was if you can do better, let me know. 

To my surprise, on or about XX/XX/2020 I received a " Welcome Package '' from XXXX XXXX regarding a new loan. To my surprise, my credit had been run without my permission, and the offer being presented was not better than what I currently have.