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

I am writing to dispute inaccuracies on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611. Upon reviewing my credit report, I have identified several errors that require your immediate attention.

1. Late Payments : I have noticed that there are late payments reported on my account that are inaccurate, which violates the FCRA Section 623. The accounts in question are listed at the end of this complaint. I have attached documentation showing that these payments were made on time. Therefore, I request that these late payments be removed from my credit report in accordance with FCRA regulations.

2. Inaccuracies in Government Name : Furthermore, I have observed that my government name is inaccurately reported on my credit report. My correct government name should be updated as shown on my official identification documents such as my driver 's license and passport which i have attached to this complaint. Please update your records to reflect my correct name.

I kindly request that you conduct a thorough investigation into these discrepancies as required by FCRA Section 611 ( a ) ( 1 ) ( A ) and make the necessary corrections to my credit report within the statutory timeframe of 15 days.

Enclosed are copies of relevant documents supporting my claims, including proof of timely payments and identification documents, as required by FCRA Section 611 ( a ) ( 1 ) ( B ).

Please provide me with written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you send me an updated copy of my credit report reflecting the corrections as mandated by FCRA Section 611 ( a ) ( 2 ) ( A ).

Thank you for your prompt attention to this matter and for your compliance with the FCRA regulations. Should you require any further information, please do not hesitate to contact me at the provided address or phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. The late payment shows for XX/XX/2023 which i know that i paid on time because my account was set up for auto pay. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Product: Debt collection

Debt Collector contacted my office and told the person answering the phone that I need to pay my debt.
Product: Debt collection

The debt that Credit Acceptance claim that I owe is $ XXXX they even added $ XXXX in interest. The total they want is {$11000.00}. This is something from XXXX. They are currently garnishing my wages as of XXXX. I received nothing from them about court. The representative that I spoke with told me that all correspondence was sent to my previous address. I only knew once they started talking my wages. I have paid almost {$4000.00} to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$26000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number # XXXX ( Discover Card ) has violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment under a credit card account under a open end consumer plan as late for a purpose.
Product: Credit reporting or other personal consumer reports

I have been back and forth with no resolution seen XXXX of XXXX, to make sure my information was correct with the following account. The stated it was and still missing data and information that still being reported incorrectly the following XXXXXXXX XXXX XXXX XXXX XXXX, account keeps being charge off every month to my account incorrectly. Charge off account date is incorrect and missing payments from XXXX of XXXX, XXXX through XX/XX/XXXX. I request in the past to have my account updated and you have not updated my account correctly or provided me with additional information actual proof of charge off amount and or updated me on missing payment not showing on my account. Requested you remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleaSe delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.
Product: Debt collection

I recently started looking at my credit report and noticed this collection account, which I was not aware of. It's from SouthwestCredit on behalf of XXXX. This is NOT my account, and I DO NOT owe this debt. I have been with XXXX XXXX XXXX XXXX. 

I called SouthwestCredit to ask for more information regarding this debt, and I was met with passive-aggressive threats of legal action. The operator contradicted herself by saying that this account was already in litigation and offered a settlement amount in order for this to be resolved. I know this is false and misleading, as it is clear that if something were in litigation, they would not have spoken to me. 

I want to be clear that I initiated communication and requested correspondence and clarity regarding this debt. A week after I requested it, I received a bill from Southwest on their letterhead and it doesn't provide proof that this belongs to me. Attached is the bill I received from this collection agency. I am 100 % positive this debt/account is not mine.
Product: Checking or savings account

on XX/XX/XXXX my PayPal account was hacked and 2 of my checking account are now compromised! I have XXXX for those account and they have been working with to resolve the recurring charges! 
The main problem I have no way of contacting PayPal I can't do it through their site but all my info on my PayPal has been changed and my info is gone! A few week back I got an email from PayPal that I added a new email? I tried to contact them abought this and never spoke to anyone! it is now XX/XX/XXXX I have called every day since XX/XX/XXXX except for XXXX and XXXX XXXX 's day! I get hung-up on every call! I have no way of contacting them about canceling everything! the charges keep coming!
Product: Debt collection

I received a voicemail from XXXX, but was only able to discern that they wanted me to call them back as the majority of the message was cut off. I returned the call and spoke with XXXX XXXX. He claimed to be with a company called Concord Resolutions, and stated that I owe a balance of {$590.00} to a company called XXXX XXXX. Knowing that this was a fraudulent debt collector, I immediately attempted to get as much contact information as I could. Prior to ending the call, the representative asked if I was willing to settle the matter voluntarily or not. I told him no, that I was filing a report with the CFPB, and ended the call.
Product: Debt collection

Received a call at XXXX Central time XX/XX/2020 Received a call at XXXX Central time XX/XX/2020 On both calls a voice mail message was left. 

On both messages the full mini miranda was not stated. 
Weltman, Weinberg & Reis Co
Product: Checking or savings account

I opened a checking account XXXX XXXX  ago with Bank of America. Approximately XXXX XXXX later I deposited my check from my employer in that account at the ATM, on 9/30/2022.Then there was a hold put on my account and it said the check would be cleared on XXXX XXXX. When go to log into my account on the banking app, I receive prompt stating that I need to contact a number my account is on hold. When I called BOA they told me the account is being closed, and they don't know the reason the bank just chooses to end the relationship. The account is scheduled to close XX/XX/2022, I asked how is this possible when know one has told me anything. On XX/XX/2022, I received to letters in the mail saying that my account was closed because they couldn't verify my identity, but that isn't true. When I opened the account I provided my Driver license and Social Security card with all the valid information. Every time I contact the bank, they have an extended date on when my funds will be mailed to me by a cashier check, totaling {$1400.00}. Which I need to pay my bills. The date has changed XXXX  times from the XXXX, to XXXX, XXXX, and when I called XXXX XXXX now they are saying the account won't be closed until the XXXX. I requested to have my funds released at the local BOA. This isn't fair to me, I will now be late on all my bills nearly XXXX XXXX If the bank chooses to end their relationship with me that's fine, release my funds, the check has been cleared, and if that's the case why open the account in the first place?
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment of {$7100.00} the last week of XX/XX/XXXX, the company posted a payment in the amount of {$5200.00} on XX/XX/XXXX, they then processed {$1900.00} on XX/XX/XXXX, this is a lease vehicle I paid the balance down to zero. They are reporting me with a balance, I've contacted my leasing company which is ( Chase ) asking them to report me properly which should show paid to zero, lease open the lease ends XXXX of XXXX, however they are reporting me with a balance which I no longer have a balance, can someone please assist? what they are telling me is that they are holding my money and applying payments monthly, that's wrong. My money isn't accruing any interest they are aware those funds were to pay the balance of my lease off. Thank you
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX is the balance but original balance was XXXX They sent me a alert but report is still not correct, XXXX has ensured me that the information has been certified correct and accurate. But that information still contains A disconnected non working telephone in which their is no new number at this time according to the recording when get when you call the number on the telephone that is on my credit file. Now according to the law everything must be accurate or it must be removed and they certified this as a reinvestigation. Not the mention they also certified that XXXX also that their information was accurate also but am not believing it. After what they did for the first one I cant believe anything they said. At this point I wan na know who and how they verified the information. Who do they talk to where did they get the information from, what was their source? Did just pull it out the air.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

After running into some steep medical bills we fell behind on the mortgage payments. Wells fargo offered to rewrite the loan at a higher risk interest rate ( 9.5 % ) and roll the over due payments into the revised loan. They also told us that after 3 years of on time payments the rate would be reduced ( 6 % ) and we would be returned to the regular risk pool. It has been 4 years now since we have had a payment more than 10 days overdue and because the high risk department was collapsed into the general bank during the mortgage crisis, no one will even discuss that provision with us. Every phone call is redirected until it is cut off or gets to a message machine that is ignored, with no return. At the same time there is a {$300.00} balance in an unassigned funds category on my statement. which when asked about I am told they have n't been paid yet. The fact is that I usually overpay some and they are just holding that overpayment instead of paying the principle down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Account information ITEM DESCRIPTION RESULTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX # XXXX DISPUTED This agency never contacted me before placing this on my credit report. I found out about this because my credit score shot down 62 points, so I went to check my credit report that 's how I found out. I received no phone calls and no notices what so ever. 

I call this agency and explained to them that this was never my account on XXXX,17. I  also called XXXX, on that same day, I was connected to the financing services department she looked in my account and stated that in my account it says all previous balances paid in full. She then connected me to the credit recovery department and they stated that it was nothing they could do about it, because XXXX, had already sold it to a third party. The Representative then said that they could not send out a notice stating that the account was paid in full, because it was something still on the account. 

She told me that I could call the third-party and asked them to send the file back, so they could investigate why it was sold. She said Because at this time she cant see anything in the file because the third-party has that information. 

I called XXXX XXXX XXXX, back and explain to them what XXXX, representative had said. They told me that they have no more information, other than what XXXX gave them which is : my name address, Social Security number and how much I owed. And then said, what they would do is contact XXXX, and tell them the file in question, has been disputed and that would give XXXX more time to find out what happened, meanwhile after the results from XXXX, from my complaint nothing has changed they claim they had verifiable information I find that strange, being that I have not received any verifiable information as yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed once with the credit bureaus in which i received a letter saying this debt

was verified. I then reached out to credit acceptance corp a
nd they say it is validated ... .How can this account be verified and validated when there are tons of inaccurate information being reported? I have attached a copy of the contract they sent with the obvious different spelling of the name similar to mine. i have never lived at that address either.

i am attaching a copy of both letters. 

This account is reporting on XXXX and XXXX  ( XXXX  deleted ) with 2 different dates of last activity XX/XX/XXXX and XX/XX/XXXX this account has been reaged. 

And account type reading as an auto loan when in fact it should read credit sale. 

I have attached a copy for your review. these are clear violations and there is no possible way they conducted a proper investigation as required by law. 

i also contacted the credit bureaus pertaining to XXXX XXXX as they are reporting a tradeline tied to this account they also stated that this is verified. i am attaching a copy of the letters sent to them. There are multiple violations and inaccuracies reported.
Product: Debt collection

The data that you showed in my credit report I previously requested proof of how you managed this. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shouldn't be on my credit report. They never provided an opportunity to verify the debt, nor were they able to supply a written contract concerning the debt after I contacted them. They claimed to have secured this debt from a creditor I had never worked with. Per FCRA guidelines, this qualified their removal from my credit history. XXXX and XXXX have both removed them. I don't know what's taking Experian so long.
Product: Debt collection

account opened under my name as fraud from BULLCITY FINANCIAL SOL XXXX XXXX XXXX XXXX XX/XX/2018 {$660.00} {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting late payments when its suppose to be in payment driven program because Im not working. They failed to correct my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this HARD INQUIRY. I did not do this..
Product: Credit reporting or other personal consumer reports

Two separate issues : 1 ) Delinquent Payment Reflected For Debt Not Made Known to me : This debt was not notified to me by the government when I left service to the XXXX. This was paid as soon as knowledge of the outstanding amount was made known to me. This charge was never overdue and collections record should be removed. 

2 ) Federal Student Loan Consolidation Has Resulted In Outsized Reduction to Credit Score : Consolidated loans I have been carrying for over 10 years, with no additions, and this simple act has reduced my credit score, across reporting agencies, by XXXX XXXX XXXX These are the same loans, which have always been in a paid timely status, so I am shocked at the punitive negative impact inflicted by following Biden administration guidance to consolidate. Please investigate how these changes are justified and request adjustment to reflect actual risk adjustment incurred under IDR plan.
Product: Credit reporting or other personal consumer reports

LoanCare, our previous mortgage holder, sold our mortgage to XXXX. 

The last month of paid to LoanCare for the mortgage was XX/XX/XXXX and the first month of mortgage paid to XXXX was in XXXX and even then they tried to charge us twice our normal mortgage cost because they couldn't figure out how to transition things properly. 

Recently XXXX gave me a year of XXXX XXXX to monitor my credit after they got hacked and my personal info was leaked. 

According to XXXX I have 2 real estate accounts open, my current mortgage holder XXXX and my old holder, LoanCare but it shows the account is still open. 

I called LoanCare on XX/XX/XXXX to tell them it still shows up on my credit report and that they need to close. They told me I have to write to Loan Care Attn : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX And give them my previous loan number and/or address to have the account closed and taken off my credit report. 

It's ridiculous that a company should be allowed to handle something so vital to a person, their very home, when they could potentially damage their credit and can't even properly close accounts when selling/transitioning. 

Is this a company with stock holders? Are they reporting more accounts than they actually have? I question the ethics of this company and think their " negligence '' is actually intentional.
Product: Checking or savings account

Wells Fargo has charged me multiple overdraft protection fees throughout the years of XXXX when I had money in my account and did not refund me at all during this time. Til this day I have not received anything!