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

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXXXXXX  INACCURATE INFORMATION DATE : XX/XX/XXXXXXXX  INACCURATE INFORMATION DATE : XX/XX/XXXXXXXX  INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXXXXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Refinanced with another loan servicer after XXXX ( XXXX XXXX XXXX ) bought out previous servicer, XXXX. XXXX was completed XXXX. Received notification on TransUnion credit report XXXX that account was 30 days delinquent resulting in a XXXX point drop in credit score. Called XXXX XXXX same day and was informed there was no way to expedite dispute even though the fault is theirs.
Product: Vehicle loan or lease

Dear sirs and/or madames, My name is XXXX XXXX. I recently paid off a lien from Wells Fargo on my XXXX XXXX XXXX XXXX. It was paid XX/XX/XXXX for the remainder of {$3100.00}. The full amount of lien exceeded {$14000.00}. I received information that the lien release would be in the mail as of XX/XX/XXXX via informed delivery USPS. Informed Delivery with USPS has been spotty at best, and I am not sure that the postal worker delivers accurately. That, however, is beside the point. Now that I have paid the loan, I can no longer access my online account with Wells Fargo Auto. There's been no email correspondence from them about the payment. 

I recently moved with my family to XXXXXXXX XXXX, from XXXX  XXXXXXXX XXXX I flew back to XXXX from XXXX on XX/XX/XXXX to finalize a sale with XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX. There are no XXXX stations near enough to make owning the vehicle viable here. The flight cost me {$320.00}. The trip to XXXX cost me {$89.00}. The trip to the airport to go back to XXXX cost me {$50.00} plus a tip. The trip back to my apartment from XXXX cost {$96.00}. 

I granted my mother power of attorney in order to sell the vehicle in my absence, since can not be in two cities so far apart at once. The cost was {$10.00} to have papers notarized. I contacted Wells Fargo Auto on XX/XX/XXXX when I was still missing the lien release from the mail. They informed me that they would email the lien release, but that it would take 7-10 business days. On XX/XX/XXXX, I called again to request that the lien release be faxed to XXXX ( XXXX ) XXXX. They again informed me that it would take 7-10 business days to process. 

I have since called XXXX ( XXXX ) XXXX thrice on XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX to see if they received the lien release. They reported back to me that they had not received it. I also have not received the second mailed lien release that I requested on XX/XX/XXXX. I made the final phone call to XXXX today XX/XX/XXXX after visiting with a banker at the local Wells Fargo Banking Center here in XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ). 

The banker was kind and professional, but he could not provide me with the lien release either.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 or other personal consumer reports

I have submitted documents through their upload site and have submitted numerous emails to them. They continue to lower my score using incorrect data and not using correct account data as part of their Experian Boost program. In addition, the last updates to my credit today- with no changes/activity on my part, they dropped my score by XXXX pts while at the same time, my credit score increased XXXX points ( XXXX XXXX XXXX XXXX There is now over a XXXX point discrepancy between reports. Their actions have resulted in 3 loan disapprovals and 2 offers with XXXX % interest rates. They received a dispute from me on XXXX accounts and closed them both out XXXX XXXX clearly did NO INVESTIGATING! I believe their activity violaites federal law. I have several files and emails to provide, but they exceed your size limit and there is no logical way to separate the data provided via emails and through Experians upload portal.
Product: Debt collection

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
account # XXXX original creditor XXXX  Moreover, your compliance with the Metro 2 format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors. 
Let me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities
Product: Credit card or prepaid card

Discover card refused to service my account. I had several issues and I tried to get answers from Discover via electronic messaging chat, but Discover informed me that it does not service customers who prefer to communicate via written messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with XXXX  XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Debt collection

On XX/XX/2018 I was very ill and needed an ambulance. I have a XXXX XXXX card which I get every year. XXXX XXXX picked me up at my home and then called for a Paramedic unit to meet them along the highway. At the time I did not know what Paramedic unit showed up but 2 paramedics got in the ambulance. I went to XXXX XXXX   XXXX in the XXXX XXXX. A few months ago I got a call from XXXX XXXX XXXX telling me I owed them money. I asked what for and they told me my insurances would not pay the bill for them showing up to go along to the Hospital. I asked how much the bill was but they said they would send me a bill but they never have. They told me my insurances would not pay them because they do not have a working contract with XXXX XXXX. I said well then you should have not showed up, I didn't call for any Paramedic unit XXXX XXXX did so let them pay the bill. You knew you had no working contract with XXXX so you want me to eat your mistake? I said I am not paying the bill. I told them I have had to go in the XXXX XXXX  but my insurances always paid for the Paramedic unit that came also, but they all work with XXXX XXXX. I think, just my own opinion, this Paramedic thing is a scheme. To this day I have not received a bill from XXXX XXXX XXXX. Then about 2 months ago I got a call from XXXX XXXX XXXX telling me they are a debt collection co. trying to collect a debt from me. I asked who the debt was for and how much was it. They told me it is for XXXX XXXX but would not say how much it was for. I told them I was not paying the bill and proceeded to tell them why and they hung up on me. About a month ago I got another call from XXXX XXXX XXXX asking me if they have the right address for me because they will be suing me and taking me to court and garnishing my wages and so on and so on. I tried again to explain why I am not paying the bill and she got very nasty and just kept repeating my address over and over. Finally I said yes that is my address. Just in the last few days this showed up on all my credit reports and that is how I found out the amount they want me to pay. It is {$420.00}. My credit took a big hit. I refuse to pay this bill for something that was not my fault.
Product: Student loan

It was time to recertify my pay as you earn student loan repayment plan. I spoke to  XXXX  and submitted my documents. The amount they came back with was way too high. So they instructed me to go on student loan.gov to do a direct consolidation in order to get on a plan that would lower my payment. This info was given aft er 5 or 6 call s to  XXXX  with conflicting info about my payment. There were several payment amounts given with a huge range.  XXXX  to  XXXX . Finally, I was sent to do a direct consolidation. I did that application online and was given a list of servicers to choose from. We CHOSE navient and called them to make sure they recieved our application. They said they never recieved it but they could take it over the phone. So, we did that. They have is a payment plan for my student loans. They said my payments would be  XXXX  a month for 4 months then  XXXX  after that. They told me I had to do an ach payment for the f irst 4  payments then I could pay as i go after that. Well a payment was taken before I could even send my income tax return. So I call navient to find out where i could fax that info. When I called navient back they said they never recieved a payment and the representative told me I was scammed. The company I have money to said they  were Navient and it even shows on my bank account NAVIENT  withdrew  XXXX  from my account. It was n't someone telling us they were giving me a service. They said they are navient and they were collecting my student loan payment. This is the number they left us.  XXXX .
Product: Debt collection

This was over credit card company XXXX XXXX XXXX that was in dispute with all credit card companies they ask proof for company. This removed and now a a debt collector is saying own money
Product: Checking or savings account

Global payments is a merchant service we used and services were canceled on XX/XX/20. I made a phone call to them to cancel and they called back 3 weeks later but did not get through to me. Since this time they have been charging our account non compliance fee 's for ( 28 months total ) without reaching out to us asking what's going on. This slipped through the cracks on our end but 28 months of non compliance fee 's being charged to one of their customers should be locked into. They offered 6 months credit but that's it. Us not canceling ( i did ), does not justify not following up with their customers.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On Saturday, XX/XX/XXXX at XXXX PM, for deposit, i placed a personal check of {$1000.00} in the ATM machine located outside the XXXX branch of Wells Fargo bank. The dollar amount of my deposited check, was frozen and the funds were withheld until Tuesday morning XX/XX/XXXX. I believe Wells Fargo withheld my funds illegally too long. I believe they were in breach of the law by withholding my funds for that long a period. I was misinformed by XXXX Wells Fargo people that the funds from my check in part would be released to me Monday, XX/XX/XXXX. In the past, when i made such deposits of a personal check at least % 40 of the funds would be released to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Letter of Inquiry Removal Request under FCRA 15 U.S. Code 1681n Dear sir or madam, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to request the removal of certain inquiries from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681n. The inquiries in question were made by various institutions and are listed below : XXXX- Miscellaneous, Date : XX/XX/XXXX XXXX - Finance, personal - Date : XX/XX/XXXX XXXX - Finance, personal - Date : XX/XX/XXXX XXXX XXXX XXXX Finance other than personal - Date : XX/XX/XXXX XXXX XXXX - Miscellaneous and public record - Date : XX/XX/XXXX XXXX XXXX - Finance other than personal - Date : XX/XX/XXXX XXXX XXXX - XXXX - Date : XX/XX/XXXX I understand that the FCRA grants consumers the right to dispute and request the removal of inaccurate or unverified information from their credit reports. After carefully reviewing my credit report provided by TransUnion, I have noticed that the above-mentioned inquiries were conducted without my explicit consent or knowledge. According to the FCRA, credit inquiries should only be made with the consumer 's permission or for legitimate business purposes, such as credit application processing or account monitoring. In this regard, I would like to assert that I have not authorized any of the inquiries mentioned above, nor do I have any prior affiliations or business dealings with the respective entities. Given the circumstances, I kindly request that TransUnion conduct a thorough investigation into these inquiries and verify the legitimacy and accuracy of each one. If it is found that any of the inquiries were indeed made without proper authorization or valid business reasons, I urge TransUnion to promptly remove these inquiries from my credit report. To assist you in your investigation, I have enclosed a copy of my credit report with the disputed inquiries highlighted for your reference. Please provide me with written confirmation of the receipt of this letter and the commencement of the inquiry removal investigation. Additionally, I request that you keep me informed about the progress of the investigation and any outcomes that may arise from it. I understand that you are required to complete your investigation within 30 days of receiving this letter, as mandated by the FCRA. Therefore, I look forward to a timely resolution of this matter. Thank you for your attention to this request. Should you require any further information or documentation to facilitate the investigation, please do not hesitate to contact me at the provided contact information. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed do not belong to me someone use my social security number and photo id to open fraudulent accounts in my name as result i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reported an incorrect information was on my credit report, I asked for verification as well. I also stated that the name that was on their end was not associated with me nor have I've ever been know by the name they have on filed while also explaining I have been a victim of identity theft. I asked it be removed which didn't happen and I never recieved verification either.
Product: Debt collection

This company showed up on my credit report stating that i have an account in collections for {$940.00} on one letter they sent and {$960.00} on another letter. I originally did a written dispute on XX/XX/XXXX letting them that this debt is not mine and that it needs to be deleted off of my credit report immediately.. ( The address and name does not match my name and address at all. ) i gave them 31 days to respond they never responded. i sent them another letter on XX/XX/2020 stating that since they didnt respond to my first request that this needs to come off immediately. they eventually responded back and said that this debit is " validated '' and sent me a bill, which is not what i asked for in either one of my letters to them. They continue to report incorrect data on my credit reports.
Product: Debt collection

Company name : cbc credit services Accounts manager XXXX XXXX XXXX Multiple phone calls a week using different phone numbers Me- Blocked numbers Company- XXXX multiple letters a month then Typed a letter stating and I quote " somebody get ahold of me or we will have to take further collection action!! The choice is yours!!! '' ( Thats Threatening to me ) Me-felt threatened being unsure of what this person is capable of or what she means exactly and feel like pople are going to just come and try to tak my stuff from me for this medical debt Company- Listed 3 debts on the page XXXX XXXX XXXX XXXX :  {$120.00} and {$480.00} Then said " Other '' : XXXX Unprofessional to not add a full list when trying to collect i dont know what " other '' is and where 10,000 + dollars came from This company made me feel unsafe in my own domicile and unsure if my thinga wil just start being taken
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX & XXXX of 2020, someone tried to purchase a vehicle from multiple car companies. I notified these companies stating that I did not AUTHORIZE these INQUIRIES, nor was I applying for any auto loans do to the fact that I was just released from prison in XX/XX/2020. They stated that the inquiries would be removed. In addition, during that time DMV was closed due to the Pandemic ( COVID ), so there was no way for me to obtain a License or State ID.
Product: Vehicle loan or lease

I was alarmed once I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2013, XX/XX/2013 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them a debt dispute letter. Aaking them to validate the account. They sent me a letter stating that if I feel I have been a victim of identity theft to fill out a form with them. I wrote them back certified mail and tild them that was not the case and that they should have read my letter. I waited the allotted time for them to respond and they have not. 
I have tried to upload all supporting documents but it will not allow me. Please contact me for the documents.