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

Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXX XXXX, account number XXXX, has always been timely and without issues. I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. 

Therefore, I am formally requesting an investigation into this matter and that documented proof, including payment records, be provided to support these reported late payments. If such proof can not be provided, I demand that these erroneous entries be corrected to reflect the accurate payment history. It is crucial that this matter be resolved promptly to ensure the accuracy of my credit profile, as is my right under the FCRA. Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I sent a request to Trans Union and XXXX back on XX/XX/2023 and I did not get any results from my request. 15 USC 1681e ( b ) Compliance and procedures ( 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 acknowledged my request and corrected my credit file. They removed the items listed below. 

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 *** I am sending copy of the results from XXXX with hopes that you will acknowledge my request as they have and remove the listed accounts. Thanks in advance.
Product: Credit reporting or other personal consumer reports

I first sent out these disputes at the beginning of XX/XX/year>. They never responded so I sent them again in XXXX of XXXX. TransUnion then sent me a stall letter but never did an investigation. So at this point, I disputed one more time the XXXX sent me a stall letter but they also never did an investigation. XXXX has yet to respond or do any type of investigation. I just sent letters out again two weeks ago.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

This 'debt ' was charged to me via MAIL after I had moved to another state. Waypoint did not have my correct cell information ( despite XXXX having the correct information ) so I was never contacted about the debt. 

It was added to just one of my credit reports ( which is all that matters to the bank ) and is impacting my ability to get a mortgage. 

I called them, PAID the debt, and it is still showing as open / in collections with XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX : Rebuttal to ConServes Response Regarding Debt Validation Account Number XXXX Dear CFPB and XXXX This letter serves as a formal rebuttal to XXXX response dated XX/XX/XXXX, to my debt validation dispute concerning account number XXXX. While XXXX correctly identifies itself as a debt collection agency and not the original creditor, their response lacks the crucial documentation needed to validate the debt. 

XXXX  claims to have sent a validation notice on XX/XX/XXXX. I request concrete proof of this notice, including a certified mail receipt or other verifiable evidence of delivery to my current address, XXXX XXXX XXXX XXXX XXXX CA XXXX. I have no record of receiving such a notice. Failure to provide adequate proof of a properly delivered validation notice constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, the provided account documentation was heavily redacted. I request immediate delivery of *unredacted* copies of ALL documents relating to account number XXXX, including but not limited to the original agreement with XXXX XXXX University XXXX XXXX debt assignment contract transferring the debt to XXXX and a detailed statement of account showing every charge, payment, and fee applied to the account. 

I remain unconvinced of the debt 's validity and the accuracy of the reported amount. The information provided by XXXX  is insufficient to satisfy the requirements of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. Until complete and unredacted documentation verifying the debt and the accuracy of the reported balance is provided, I request that this account be removed from my credit report. 

I look forward to your prompt response and the provision of the requested documentation within the legally mandated timeframe. I will consider further action, including legal recourse, if necessary. 


Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent inquiry on my credit reports, thats reporting on XXXX and TransUnion from XXXX XXXX. Theres a Fraudulent collection account reporting on my TransUnion as well called XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX
Product: Credit card or prepaid card

I went to use my Visa debit card on XX/XX/2018 at my local hardware store. My card was declined. I then went home, logged onto my banks website and noticed purchases on my account that I did not make. I called the bank, they informed me that suspicious activity on my account hat caused them to freeze my account, that I needed to go to a local branch office to open a dispute. I then went to the bank, open a dispute, but I had to wait until all of the charges cleared my account, all the while incurring over draft charges because I transferred all of the money out of the account as to not incur further illegal purchases. The bank sent me a letter in the mail saying that they had investigated my claim and fount that all of the questionable charges that that caused them to freeze my account were authorized transactions. They were not. So I went back to a local branch and had the open the dispute back up and to investigate again. A week later I received another letter stating that my second dispute had been declined because they had found that one of the charges was actually mine. I told them about that particular charge being mine from the very beginning. So thus far they have refused to credit my account back with these charges or the over draft fees that I was charged during this period. This is a business account that I have had with Regions bank for twenty years. This is unacceptable. They do not answer their help line phone number.
Product: Credit reporting or other personal consumer reports

I reached out to Equifax Teletrack to unfreeze my account temporarily. They refused and advised that I needed the PIN that they claimed to have provided me. ( Never Sent ) After several weeks and continuous calls and being lied to about being sent a PIN, I have to go this route. My account with them is frozen and I can not access my credit report with third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and saw an old bankruptcy that should not be reporting. XXXX XXXX bankruptcy discharged. Filed on XX/XX/2015. Reference number : XXXX. Court : U.S. Bankruptcy Court. My XXXX Report is frozen and can not be accessed. So XXXX, Transunion and XXXX claims this was verified by the US Courts ; however, the courts states they have not verified or validated any bankruptcy and if I am being told this occurred, it is a violation of the law. The bankruptcy was dismissed and discharged and there should be no incorrect information. If there are any inconsistent information such as accounts still showing open or a balance due, the bankruptcy has to be removed due to reporting inaccurate information.
Product: Debt collection

There was a negative report filled on my credit report. The debt was paid in full to XXXX who notified the collection agency AFNI, Inc. The supervisor from XXXX and I were on a conference call with AFNI collections when it was said since the bill was paid in full that they would delete it from my credit report. But as of today it is still there. I was told by another representative today that it could not be done that it would stay on there for seven ( 7 ) years.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> XXXX XXXX XXXX  requested funds from my Wells Fargo Checking account twice. Once in the amount of {$5700.00} and the second {$3800.00} for a XXXX XXXX XXXX. Wells Fargo ACH the money to XXXX XXXXXXXX XXXX  without verifying the transaction account had been approved by me, without notifying my via email of the posted transaction as has been the practice on all set ups of new accounts and all transactions. I notified Wells Fargo and XXXX XXXXXXXX XXXX XXXX withing 4 days of the transactions via phone calls as that is the only system they use. They will not accept emailed complaints or records of complaints. Neither bank did anything to explain or resolve my complaint. 

My inquiries and demands for the return of funds has been denied without any explanation. This appears to be Wells Fargo internal fraud.
Product: Mortgage

In XXXX 2011 Wells Fargo foreclosed on my home the address was XXXX XXXX XXXX, XXXX, AL. I had applied for a mortgage modification and was told to not pay my mortgage for the next three months. I called month after month for 11 months I was told during that time to continue not paying my mortgage. After 11 months they declined my application because they said I failed to sign a certain page. I asked to be able to sign the page. They refuse to allow me to. And foreclosed on my home. I would have thought it but just the month before my son had passed away and I was not of a mind to do so. I lost all the investments I had made in that home
Product: Debt collection

XX/XX/2020 {$100.00} I went to XXXX XXXX XXXX. And they checked in there system and told me that there was never an open bill, everything was payed at time of service. 
Collection service of Athens send the collection note in the mail, there phone number also comes up as scam if you XXXX  it.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want those items deleted from my credit reports effective immediately : living address or previous address of XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida and XXXX XXXXXXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX as well.These are the most recent. And there are various hospital bills that do not belong to me from XXXX XXXX  Florida from a while ago that was on there. I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts and inquiries from my credit report because my score has suffered greatly and it's still suffering because I am still getting inquiries that are not mine. 
In the year 2020 month of XX/XX/XXXX day, I began noticing inquiries that didn't belong to me and having to scour my credit report because of such inquiries that were not mine as well as charges or services that did not belong to me and improper information on my report that did not belong to me. And then later down the line after searching it all ring a bell, I must have been a victim of this credit breach and my information was and still is being sold and used wrongfully by criminals.
Product: Credit reporting or other personal consumer reports

I was looking to buy a vehicle and went to XXXX XXXX in XXXX XXXX California. I was told that a company called XXXX XXXX XXXX would hold my loan. I signed all the paperwork on XX/XX/2023. Then on XX/XX/2023, I received a letter in the mail from XXXX XXXX stating that they couldn't find any bank to finance me so they had cancelled my contract and I was to return the car to the dealership which I promptly did. I had also received numerous statements from XXXX denying me credit. Now I am getting on my credit report that I owe them XXXX for a car I no longer have. I have tried resolving this issue with XXXX and nothing is being done. I can not get any other car with this on my credit, and have not been able to.
Product: Credit card or prepaid card

I was defrauded by a mechanic shop and filed a claim with Bank of America in XXXX. I purchased a full Synthetic oil change and a complete engine tune up and the mechanic performed the wrong oil change and an incomplete tune up. When contacted, the staff apologized and agreed to fix some of the work and provide and immediate partial refund. When I went to the shop, the owner of the shop brushed off the other employees and approached me for a confrontation. He berated me and stopped the pending refund. His demeanor was aggressive and I honestly worried that, despite his advanced age, he would hit me. I told the staff the situation was unsafe and left. I contacted Bank of America about the failed repairs and was told I neednt worry. I also contacted the XXXX XXXX XXXX and a local association of auto mechanics about the problems. A short while later, I received an apologetic call from the mechanic, who offered me a refund if I returned to the store. Fearing for my safety, I told them that I did not feel comfortable returning to their property and had filed a claim with my bank for the work they had failed to complete. A few weeks later, I was provided with a temporary credit. Today, inexplicably, it was rescinded and the {$460.00} was withdrawn from my account. This is outrageous. A mechanic, who tried to physically intimidate me, failed to perform the agreed to repairs and I wasnt even consulted before they made the ruling. I would have provided accompanying documentation and possibly had the local police involved if they had asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$9900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I am XXXX XXXX. I am submitting this complaint for myself. I obtained my Experian Credit Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my credit report. I never gave Experian any written consent to report or furnish my Bankruptcy public records. A Consumer has a right to privacy. 

I wrote Experian and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer. 

I also sent sent experian a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX  Balance {$930.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I went online to view my XXXX credit report. I found several errors still that have not been corrected. I tried submitting a dispute online for all the errors. After putting in all the information for each one I received a submission failed message. This is very fustrating. The first item on my report is 2 inquiries from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. My credit was ran only 1x not 2x. It's showing as 2 inquires which affects my score. Another inquiry is XXXX 's on XX/XX/XXXX which I did not do. I have a XXXX XXXX  card for a few years now I did not apply for another card. Another inquiry is XXXX on XX/XX/XXXX again I have a XXXX card for a few years and did not apply for another card. Having these 3 inquires on my report is affecting my credit score in a negtive way. I am also disputing again I do not have 2 auto loans. I only have 1 auto loan with XXXX XXXX XXXX. It is still showing from XX/XX/XXXX an amount of over {$4000.00}. This was paid when I re-leased another vechile with them in XXXX. We are in XXXX I have leased 3 times with them already and there is no balance. Having this {$4000.00} auto loan show is also affecting my credit score as it is showing more debt than I really have. I could not reach experian through telephone to dispute all this again all I get is they are busy and if I want to order my credit report.
Product: Credit card or prepaid card

I paid my credit card off early with fees back in XXXX. 
bank penalty charges are being applied to my account due to the fact I paid my credit card off early penalties of cash withdrawal limits was not outline on my statement when I paid off the entire amount Therefore, I am being penaltized for paying the card off early using their website that had assist the amount that need to be paid in full XX/XX/2022. 
XXXX, refuse to let us speak to someone about the account on XX/XX/2022 at XXXX eastern standard time We want to work with Bank of America but they refuse to work with us.
Product: Payday loan, title loan, or personal loan

My original payment plan was around {$290.00} every check. I was unable to make a payment and they did in fact lower my payment to {$230.00} every check. I had even called in when I had some extra money and paid them {$300.00} with my debit card to try to pay it off faster. When I looked at my account online, the XXXX had not lowered my balance at all. When I called to inquire about this, they told me that since I had not specifically said that I was using the XXXX to replace one of the specific payments that I still owed them the 5 payments of {$230.00} dollars that I already did before making the {$300.00} payment. XXXX Basically I was supposed to say, " hi I 'm calling to make my payment for XXXX right now. '' ) So essentially I just gave them {$300.00} without it paying down my loan at all. 
About a month ago I had a car repair I needed to make. When I called them to see if they could let me skip a payment and make it up with my next check, they wanted to put me on a payment plan for {$300.00} for another 10 months. The principal was {$1000.00} And I 've already paid them {$1600.00} to date. The interest rate is over 700 %. I 've contacted them and told them I 'm not paying them anymore money. I 've also closed my bank account they had on file for me. This company and others like it are predatory towards people with not so great credit, who are in a pinch and feel like they have nowhere else to turn. They need to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to by a house and realize. I have damages on my credit report.According to the 15 usc, 1681, Law. There should not be any damages on my report it is a defamation to my character. Collections, inquiries, charge offs
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THE ACCOUNTS HAVE BEEN DAMAGING MY CREDIT REPORT WHICH I WAS UNAWARE OF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel so stress about my credit report. I've sent disputes last XX/XX/2020 regarding to those unknown and inaccurate accounts on my credit report but it's 90 days now but there's no response yet. I demand to immediately DELETE those accounts or I will file a litigation.