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

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtai I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXXXXXX XXXX  XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX  it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Product: Credit reporting or other personal consumer reports

There are old address and a variation of my name that I dont use. 
The old addresses are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ny XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXXXXXX XXXX XXXX NY And a the variation of my name I never seen is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX NY XXXX My only name is XXXX XXXX
Product: Credit card or prepaid card

Re : Case XXXX On XX/XX/XXXX I purchased tickets for admission the same night of XX/XX/XXXX to the event XXXX XXXX XXXX XXXXXXXX. Upon arrival at the venue we were denied admittance because the event had been canceled due to a XXXX  incident. 

The same night I contacted XXXX at XXXX to notify them about the issue. They had the fair organizer contacting me via email on XX/XX/XXXX offering me admittance another night ( email communication attached ). This was not acceptable to me as I was leaving town in the morning. 

After requesting a refund from XXXX they denied it on XX/XX/XXXX because according to them the event in question does not appear to be canceled. After I made this request for a credit refund they did not respond. 

As proof of the actual cancellation of the event, I am attaching two newspaper articles from XXXX XXXX and the XXXX XXXX describing the events that lead to the cancellation of the fair on XX/XX/XXXX. Both articles are available online. 

Since the event was canceled and I was denied a refund by the merchant. I contacted Capital One a few days later in order to file a dispute. Since that time, I have contacted Capital One on multiple occasions trying to solve this problem. On XX/XX/XXXX, after contacting Capital One over the phone regarding their response letter dated XX/XX/XXXX I was informed that the case was being escalated and that it would be reopened. In a couple of phone calls after that, I was reassured over the phone that the case was being reopened. It seems that nobody worked on this for three months. On my last phone call on XX/XX/XXXX I was instructed for the second time ( I did this before ) to write a letter stating my claim with very specific wording. I wrote the letter stating exactly what I was told to write only to receive a letter stating that my response lacks the " previously requested information ''. 

The facts are that I was charged {$33.00} by the merchant for a service that I never received. I have wasted more than three months pursuing this claim where it is extremely clear that it is a valid claim and that I have submitted proof that the event was cancelled that night. 

The fact that from XX/XX/XXXX until my phone call on XX/XX/XXXX nothing was done, even though I was told that somebody would get back to me is appalling.
Product: Mortgage

Select Portfolio Servicing increased my mortgage from {$110000.00} to {$1600.00} In a phone call I was told the increase was due to a negative escrow amount Of {$6500.00}. 
This meant they're charging me an additional {$540.00} per month. I am on a limited budget due to XXXX  & limit on how I much I can earn. They know this.

I don't know how this deficit got to this. They say they review escrow yearly but over {$6000.00}?!? They denied my request to spread out. Instead, I was told I can pay in full now.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit profile and noticed a number of unauthorized inquiries, collections on my profile. Those inquiries and collections consist of the following Experian Inquiry : XXXX XXXX XXXX XXXX XXXXXX/XX/year> Collections 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 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: Debt collection

First ... .the above question is n't applicable so I did n't know what to put but it made me put something. 

I have been very ill since XXXX 2013! I lost my job. I tried to cover all of my bills and part of the time I was on Medicaid. I talk extensively to XXXX Clinic about my situation. I was told they had discounted and/or written off or submitted any bills to Medicaid. I did not know I owed anything until I gota notification from Mountain Land Collections. 
I contacted them ... .I explained the same thing I just told you ... .I told them I could n't work and my husband is on XXXX XXXX and I have no possible way to pay. So now they just report it to the credit bureaus every month. Things were so bad I filed bankruptcy but this did n't include Mountain Land Collections. 
I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past week or so, I have been receiving letters from Synchrony Bank indicating a reduction in my credit card limit due to recent credit history : * XXXX XXXX XXXX *Sam 's Club I noticed that the said entity listed late payment history on my mortgage which is not true. XXXX XXXX XXXX has deceived me each time I phoned concerning issues on my mortgage payments and more. When I spoke to one of its reps. she informed me my payment history was current and in good standing. Once Synchrony Bank indicated that I had not made a payment to Sam 's Club when I had and in reasonable time for it to register prior to due date. During this COVID-19 pandemic, I have yet to get any clear " assistance '' from any credit source. They talk a good game while reality tells the true story of no help ; that your credit score will be reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.
Product: Debt collection

I wrote a certified letter to portfolio Recovery to validate a debt. Instead of them validating the debt. They sent me a detail payment plan for a debt that hasn't been validated. It has been over 30days.
Product: Credit card or prepaid card

I recently looked at my credit reports and noticed that Wells Fargo Financial XXXX reported negative marks PAYS 30 DAYS late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a  responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

XXXX  I was offered a settlement with Wells Fargo I believed I was owed XXXX I asked for XXXX $ then settled for XXXX $ after rejection but the. They send check for XXXX $ to me I still believed Im owed XXXX &
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX, XXXX
Product: Debt collection

fraud alert and affidivast was sent regarding fraud, creditor have not responded to my dispute letters nor verified debt...
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of my credit information to FICO, which is in violation of consumer protection laws in the state of Texas. Despite updates being made to my credit profile, these changes have not been reflected in my FICO score since XXXX, and it is now XXXX. They are reporting to XXXX just fine but fail to report to FICO. I've spoken with FICO directly and they confirmed this. None of my credit monitoring for FICO are updating my FICO scores as well. I pay a fee monthly for my FICO scores so for Equifax to not be reporting is very frustrating. 

According to the Texas Finance Code, Chapter 20, Subchapter E, Credit Reporting Agencies are mandated to maintain accurate information and promptly investigate disputes. The failure to update my credit information with FICO scores in a timely manner constitutes a breach of this requirement. 

This discrepancy has caused considerable frustration and concern for me as a consumer, as my ability to access credit and financial services is being hindered by outdated information. As per consumer protection laws, it is imperative that credit reporting agencies like Equifax ensure the accuracy and timeliness of the information they provide to credit scoring systems. 

I have taken proactive steps to address this issue by reaching out to Equifax directly, but have yet to receive a satisfactory resolution. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to help rectify this matter promptly. 

I kindly request that Equifax promptly update my credit information with FICO scores to reflect the most accurate and current data available. Additionally, I would appreciate a thorough investigation into the cause of this reporting delay and assurances that similar issues will be prevented in the future. 

My address is up to date with Equifax and so is any other information. Obviously, because you have no problem reporting this to XXXX. Attached is a copy of proof that I am having this issue with Equifax FICO reporting, a copy of my utility bill for proof of address, and a copy of my passport.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachment which has all the required information. I am in the process of mailing this letter to XXXX and CheckSystems.
Product: Debt collection

This debt appeared on my credit report as a collection. Monterey fINANCIAL STATED I opened an account on XX/XX/year> which is inaccurate. The collection amount is for {$4700.00}. I requested this be removed and it was not.
Product: Credit reporting or other personal consumer reports

Experian continues to report the account listed as XXXX XXXXXXXX Account Number XXXX incorrectly. There are several late payments and the account is listed as charged off. This is incorrect. I have previously disputed this information and they claim to have verified the information as correct how were you able to verify this information. I have not been late and this account can not report as a charge off considering the balance owed would have to be returned to me the consumer this is specifically outlined in federal law.
Product: Checking or savings account

My wallet was stolen and card along with it. Person spent over XXXX $ on my account. CARD.COM is Stating that they will need 20 entire business days to handle my dispute claim. All they need to do is contact walmart.com to find out the order details to confirm this was fraud. How come this bank is going to make a customer wait an entire month to get money back when I have bills that need to be paid and cant wait an entire month. Is there anyway someone can help speed this process up for me?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX Balance {$24000.00} XXXX  Balance {$910.00} XXXX  Balance {$1900.00} XXXX  XXXX Balance {$480.00} XXXX Balance {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX finance is reporting fraudulent information to credit agency 's due to a ongoing dispute between us. 1 : I tendered payment and they did not like my payment that is acceptable under the current laws, Debt is discharged = period 2 : They never loaned anything and are not holders in due course of my " instrument " contract they sold it " securitized it on the market. 
3 : They wrote off XXXX when there was only XXXX left and they removed my property and still never returned it or informed me about any sale therefore how can they post false, incomplete information. 
They are damaging me by multiple reporting, Amount, times, and charge off causing a XXXX point impact on all 3 agencies and causing emotional stress
Product: Credit card

Re ; Synchrony Bank/ Care Credit Account XXXX 

I scheduled XXXX payment to post on due date XXXX. it posted on XX/XX/XXXX resulting in fees in the amount of {$8.00}. I scheduled my XXXX payment on XX/XX/XXXX to post XX/XX/XXXX. It is pending as of XX/XX/XXXX. These are electronic payments. All other electronic payments made on XX/XX/XXXX have posted on XXXX. 

I contacted Synchrony Bank/Care Credit today . I'm not sure if they will remove the XXXX late fee. I was advised no future fees will post.
Product: Debt collection

This loan did not represent the fees, charges tacted on. This is violating me as a consumer I have complained several times I am suppose to be provided proof of what was done to the repossessed vehicle, I am suppose to be shown how {$3000.00} have been added to my deficiency balance. This company was Sued in another state for the same behaviors. This loan was not honorable the vehicle was no good after driven from the lot I was forced in this car by the dealership, its not the first of the lending hearing of this I was not allowed to use my warranty when car broke down a week later. The company needs to pull all calls made to lender I was told nothing could be done. The car wasnt worth sell which is why it was dismantled. Ive attached the most recent lawsuit in which I am a victim of this company as well.
Product: Credit reporting or other personal consumer reports

The companies that are listed reporting inquiries on my credit report that i do not recall. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked for documentation providing proof I applied for credit with all the creditors listed and have not received the proof in a 30day timeframe. Please remove the inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that they ( Equifax ) did a complete investigation including contacting the furnishers of the information. I would like proof showing that they contacted anyone and if they did why are they reporting incomplete information on my consumer report that's falsely reporting information on my consumer report and by law it has to be removed. My rights have been violated multiple times it states in 15 USC 1681s 2 ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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. 
So wheres the proof i gave you written instructions to furnish the data in the first place.And if you continue to report this account that is concidered willful noncompliance 15 USC 1681n ( A ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Checking or savings account

Ally mobile closed my account locked me out of it and my XXXX dollar stimulus check went there I can't see my account transactions or anything even though it says you can for 7 years on there website
Product: Credit reporting, credit repair services, or other personal consumer reports

I deal with a lot being a young single mother. There's a lot of stress. So when this account popped up on my report hurting my score, I didn't know what to do. I elected to pay it off because I didn't know my rights. Come to find out, that didn't help and the account is still on my report and it never belonged to me to begin with. I learned that I can dispute this information and have submitted a complaint with the ftc. On there site, they explain that section 605 of the FCRA mandates you to remove fraudulent accounts with 4 days. Please help me in this dreadful situation. Thank you!