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

Hi, I ask the help of CFPB with the above creditor. TransUnion and XXXX have stated that this account is accurate, yet both bureaus have not provided me anything. I have even sent a letter for VALIDATION First letter was sent out on XX/XX/2019 Second attempt has been sent at the beginning of XXXX, both letters I have sent and all I receive from the company are statement trying to collect a debt ( not mine ) these statements do not show anything and are not documents accepted as validation, so how is it that XXXX and TransUnion are validating this account. I believe the bureaus are NOT validating anything and not properly investigating. TransUnion and XXXX have closed my dispute and will no longer investigate ; therefore, I ask the help of cfpb to oversee what is going on. I request XXXX XXXX  to remove both accounts from each credit files at once. Since they have failed to provide me with requested information. The FCRA requires you to verify the validity of the item within 30 days. I been disputing these accounts since XXXX days later, way pass 30 days. Enclose are copies of validation letters sent to creditor and bureau, receipt of certified mail and return receipt as well, creditor constant statement to pay a debt not belonging to me. XXXX To who it may concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.I look forward to an uneventful resolution of this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Credit Reporting Act. 

XXXX. XXXX XXXX. Equifax XXXX. XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 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 Please include documentation of said permission. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have this collection that keeps appearing on my account every 6 months or so about XXXX. I have never owned a XXXX connection. I have no idea of how it got opened and I believe it to be identity fraud or a mistake from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act XXXX, this account. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX. XXXX section XXXX A States I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX States a consumer reporting agency can not furnish a account without my written instructions so please remove all all accounts listed protected by law!
Product: Debt collection

This complaint is a follow up to my previous complaint about this same company. This time I am going against them and their lawyers who have discriminated against me, have hung up on my calls, have denied me options for payment agreements and have affected the well-being of my family. 
I am an American citizen and as such I believe that I have rights that they have not fulfilled. 
In response to my previous complaint, they say that they have no information on any lien against me and that they have not collected any money. Lie! I have called them reading their response where they say that they will not take any further action on my account until I get my job back due to the financial hardship I am going through. 
On XX/XX/2022 my bank ( XXXX XXXX  ) withheld {$490.00} by order of them, I call the bank at XXXX XXXX department and they tell me that they have the funds withheld but that they can not make a refund until they send a letter ordering it. In the calls they have told me that they have not received notification from the bank about the withheld funds ( my bank says yes ) and they say that they will continue to take action on my account to collect the debt. 
Every time I call and an associate checks my case they hang up on me. This is clearly a bad practice and discrimination because I am trying to reach an agreement with them and they ignore me, threaten me and discriminate against me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : You are furnishing inaccurate and outdated personal information on my consumer report. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX You are furnishing XXXX Addresses on my consumer report Delete the below outdated and inaccurate address from my consumer report. I can not receive any mail or legal correspondence from the below address, this information is being reported as my address and that is inaccurate and outdated. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
XXXX. My only Phone number is XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employment section. I do not work or have any affiliation with these companies. 
This information is inaccurate. XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX v. XXXX XXXX XXXX XXXX XXXX. The Bureau and the FTC filed an XXXX brief with the XXXX XXXX XXXX XXXX for the XXXX XXXX arguing that the Fair Credit Reporting Acts requirement that consumer reporting companies investigate consume that consumer reporting companies investigate consumer disputes applies to disputes concerning personal identifying information, such as name, address, and Social Security number information. Please send an updated credit report once the changes are complete to my contact information listed. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I used a PNC ATM at XXXX XXXX and used a XXXX XXXXXXXX debit card. ATM took it and gave all the options to deposit, withdraw, etc. I wanted to deposit money. I deposited XXXX and when the ATM was counting he money it gave me is this correct XXXX. I click yes. After ATM gave an error saying your card can not be used at this ATM. I waited and the money was not returned. Called PNC in the morning and said to contact my bank and they would contact there ATM branch. I never heard back from PNC. XXXX XXXXXXXX gave me a credit of the money, today XX/XX/XXXX the credit or dispute was declined.
Product: Credit reporting or other personal consumer reports

I informed Equifax that they are inaccurately reporting a balance owed for XXXX, XXXX, and XX/XX/XXXX on an account that was paid off and closed. They were also incorrectly reporting the account as 60 days late. I provided Equifax with the title of my truck, which was paid off in full in XX/XX/XXXX, along with documentation from XXXX confirming my ownership. The attached document is Equifax 's response. The updated status of the account now shows " Account closed; was 30-59 Days Past Due. '' I have also attached documentation from XXXX indicating that the account was not reported as late from XX/XX/XXXX to XX/XX/XXXX, contrary to Equifax 's report. Equifax has failed to correct the balance for XXXX and XXXX and has updated the account status in a manner that still negatively impacts my credit, instead of updating it to " Status : Pays As Agreed. ''
Product: Credit reporting

I have a bankruptcy from 2005 that is no longer being reported by the XXXX XXXX XXXX XXXX DIST XXXX. I have been advised to dispute it with the bureaus to have it removed. I successfully was able to do so with all bureaus but Experian. I requested a physical copy of my report by mail. I called to get assistance from a CSR to initiate the dispute. I was told I could not dispute the information. I told him I 'd like to speak to a supervisor. I was put on hold then transferred to a voicemail. I left a message. I got a call the following day from XXXX on XXXX XXXX, her supervisor is XXXX. She could not give any other information to contact her again. She also denied me my right to dispute the information saying it will say for ten years. I told her the information is no longer accurate as the court is no longer reporting it. She refused to dispute it.
Product: Credit card or prepaid card

We have had our credit card for years along with quite a few other credit cards through Chase and we have been paying down the balance on this particular card b/c we wanted to pay it off and close it out. We paid the balance off on XX/XX/2017 and noticed that the annual fee had hit the account, but figured since we were paying off the card and would be closing it, that it would not matter. I called in to close the account and nothing was mentioned about still owing the annual fee. The final statement we recieved still had the annual fee and interest owed from the previous statement since we paid the balance off in the middle of the month. We then paid that interest owed and still assumed that everything else would clear off. When it had n't done so, I logged on and asked the fee be reversed since we had closed the account and paid off the balance, they have since been stating that they will not reverse it and that it is somewhere in the fine print regarding the annual fee being reversed if the account is disputed prior to the new statement. I do n't ever look at the statements and have only been paying the card down b/c we wanted to close it out. We have other cards with them and use them for our business and personal, but we are beyond disappointed with their customer service regarding this issue! Please help!!! They are raping people with ridiculous fees! : ( : (
Product: Mortgage

I have a FHA loan through Wells Fargo. I've requested a couple of deferments during a separation, XXXX and during COVID XXXX & XXXX. I was understood the agreement offered by the home preservation team with Wells Fargo defer my payment of put to the end/back of my loan. Instead the payments that were supposed to be added to the back of my loan were added as a second Mortgage with a different servicer. I feel like I mislead even when asking several times if it cause me to have a second Mortage and was told no. This Covid-19 Crisis Plan went through Wells Fargo and XXXX ( servicer I just learned about ). I applied for a HELOC and was made aware through the title search. The payoff never showed that I owed this large amount. I was told I was getting a loan modification with a lower interest rate. I learned through XXXX that I had a 2nd mortgage against my home for greater than {$45000.00}, which I had to pay in order to get the HELOC to do repair to my home. The payoff with Wells Fargo is currently {$140000.00}. I purchased my home for {$200000.00} 11 years ago and never missed a payment until I was told I had to miss the payment in order to qualify for assistance during COVID. How could this be? Now I'm paying {$45000.00} 2nd mortgage off through a HELOC ( not being able to complete all my home repairs and pay other debts and my current mortgage with Wells Fargo. I'm back at square one. I believe Wells Fargo has overcharged me and the partial claims amount exceed the actual amount of payments as well as blatantly mislead me about the Covid assistance, loan modification. I don't have the equity I thought I had to complete home repairs and pay debts I am deeply in- having to pay a 2nd mortgage is causing me a greater hardship. I owe more now from carrying a 2nd mortage of money they stole from me on top of my paying my own taxes and homeowners insurance shortages- my mortgage payment has increased due to the escrow shortage. I feel deceived by Wells Fargo with this supposedly forbarence, loan modification to a actual excessive 2nd mortgage on my home with interest and that is my money. I had been follwing this class action since the beginning and have been asking to be listed amongst the other injured parties and I had heard nothing back from the Class Action Lawsuit team- can you please assist me? I need help with getting a return of my funds. if your willing to help some people but not willing to add me. I am still underwater with my home and and in more debt with my attempt to use my home equity and having to pay {$45000.00}. I appreciate any and all help I can get with regards to this matter. Thank you for you assistance and consideration. 

Wells Fargo Account XXXXXXXX XXXX  Case # XXXX / Transactions Transactions Date Description Principal Amount XX/XX/XXXX Multiple Partial Claim XXXX {$4300.00} XX/XX/XXXX Multiple Partial Claim 2nd {$15000.00} XX/XX/XXXX Loan Setup - Principal Balance {$25000.00}
Product: Debt collection

I received several recordings from a different numbers indicating that this company was trying to locate me. Number from different states the last number was XXXX. These people also contact my aunt with the same recording. 

When I called the number back they indicated at first they were from NCM I looked up that company and could not find it then they said they were from Noblis Credit Management. I asked if it was a collection company and they said no. They said that they represented their client and I was being contacted because of criminal breech of contract and falsification and he was there to let his client know if he should proceed with legal action. Or if I wanted to settle the debt. I again asked if he was the debt collector and he said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT INFORMATION IN MY REPORT. ACCOUNTS : XXXX {$14000.00}. XXXX {$11000.00}. XXXX XXXX XXXXXXXX {$11000.00}. XXXXXXXX XXXX XXXX  {$800.00}. XXXX XXXX {$800.00}. XXXX XXXX {$11000.00}. XXXXXXXX XXXX {$4800.00}. XXXXXXXX XXXX {$3000.00}. XXXX {$6200.00}. XXXX {$900.00}. XXXX XXXX {$16000.00}. XXXXXXXX XXXX $ XXXX XXXX {$7500.00}. XXXX XXXX XXXX {$800.00}. XXXX XXXX XXXX {$5900.00}. XXXX XXXX {$300.00}. XXXX XXXX {$76.00}. ADDRESSES : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hi XXXX, I am writing regarding XXXX accounts for a XXXX  XXXX XXXX that remain inaccurately reported on my credit report. These accounts were involved in prior litigation, and the court ruled in my favor, with a commitment from your company that the XXXX would be released and my credit report corrected. It has now been XXXX years, and despite this ruling, the accounts are still inaccurately and incompletely reflected on my credit report. 

During a recent vehicle financing process, it was brought to my attention that these accounts remain uncorrected, which is in clear violation of my rights under multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Inaccurate Reporting 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( B ) : Failure to Verify Information 15 U.S.C. 1681s-2 ( b ) ( 1 ) : Failure to Update Account Status 15 U.S.C. 1681c ( a ) ( 4 ) : Outdated Information 15 U.S.C. 1681s-2 ( a ) : Incorrect Date of Last Payment 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to Include Consumer Dispute Notice These accounts are reporting multiple inaccuracies, including outdated dates, incomplete information, and an incorrect account status. Attached is documentation from the original creditor, clearly stating that the accounts would be corrected within 15-20 business days. To date, this has not been done. 

I request the immediate deletion of these inaccurate entries and a prompt resolution of this matter. Failure to correct these violations is a clear breach of the FCRA, and I expect this issue to be addressed without further delay. 

Thank you for your attention to this serious matter, and I look forward to your prompt response and confirmation of the deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

LCI is reported a bankruptcy to XXXX, XXXX and Transunion. I contacted XXXX XXXX XXXX Bankruptcy court which they stated they do not verify nor validate information to credit bureaus or any credit monitoring service. LCI is violating the Privacy Act and has not validated information to being accurate on my credit report. I am attaching a letter from the U.S Bankruptcy Court which supports my claim.
Product: Debt collection

On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau. 
I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I financed a truck through XXXX XXXX XXXX XXXXXXXX XXXX XXXX. They ran 2 instead of 1 inquiry.