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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after pulling my credit report, I discovered multiple accounts on my credit report that I did not recognize. On XX/XX/XXXX, I submitted my first dispute letter with a list of all the incorrect information on my report, as of today 's date XX/XX/XXXX, I have been disputing wrong information on my credit report several times. Doing my own research I had found that I should contact the CFPB for help ; Below is a list of accounts showing on EXPERIAN & XXXX that have not been removed and they are badly affecting my score : Showing on report from EXPERIAN  & XXXX, XXXX XXXX   XXXX with an alleged acc # XXXX with an alleged balance of {$410.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference ) Showing on report from EXPERIAN only, XXXX XXXX with an alleged acc # XXXX with a balance of {$0.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference )
Product: Credit card or prepaid card

I been havinghard time bieng unemployed after falling down in XXXX XXXX, Utah XXXX  XXXX  on XXXX XXXX.And Utah law says i must work for XXXX  to get pay check.But as doctor state 's i not supposed to reach aand not pick up over 10lbs.XXXX   employees ast managers always making me do more then i waas capable with my XXXX XXXX in XXXX XXXX XXXX XXXX XXXX.But i quit XXXX XXXX trying to get money from workmen comp.I was refused by Utah State says i must work for XXXX  an do what ever kinda work i need too.Buy i can refused which i did just quit.My last was on XXXX XXXX and it was Weds.XXXX XXXX was my Day-Off and i was sore i just went in got hold of Ast Manaager XXXX i told her i quit it was XXXX XXXX Friday. But anyways Capitialone i i got credit card with them an i always made payments on time, from bank transfer to make payment was Due on XXXX of every MonthXXXX XXXX i didnot have payment.So Capitalone didnot even give me achance to make payment on the XXXX due date.Capitalone Charge me {$25.00} late fee of XXXX XXXX plus interest fee's.So i was going to pay on XXXX XXXX and Capitalone wants me to pay {$67.00} for late fees and interest fees.I didnot even get Grace period .Same day my pament was due! I got hit with {$25.00} late fee to mess up my Credit Report again through XXXX  my Score went down some more.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint regarding an unauthorized withdrawal from my account at the Wells Fargo Bank branch located on XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

On Saturday, XX/XX/year>, at approximately XXXX XXXX  I deposited a sum of money totaling {$4900.00} into my account at the aforementioned bank. The deposit consisted of loose currency amounting to {$450.00} and strapped currency totaling {$4500.00}, as evidenced by the receipt I received from the bank. Later that same afternoon, I received a call from the bank claiming there was an error of {$2700.00} and was asked to visit the branch on Monday. Subsequently, on Monday, XX/XX/year>, at XXXX XXXX, I received an email update from Wells Fargo stating that my account balance was accurate as of XX/XX/year>, with the amount showing as {$4900.00}. 

Upon visiting the branch on Monday, XX/XX/XXXX, I was informed by the XXXX that an error had been discovered, and they would need to deduct the amount from my account. Despite my insistence that the amount deposited was correct and they had been counted in front of me by the banker, the XXXX proceeded with her claim that the error is saying otherwise. 

I requested proof of the alleged error, but I was denied access to any evidence supporting their claim. Consequently, on XX/XX/year>, without my authorization, the bank deducted {$2700.00} from my savings account, leaving it with a negative balance. 

I am hereby requesting that your office conduct a thorough investigation into this matter. Specifically, I ask that you review the surveillance footage from the time of my deposit to verify the accuracy of my claims. I firmly believe that a review of the footage will confirm that I did indeed make the deposit as stated on my receipt. 

I am asking kindly for this matter to be investigated because this is not the first time this bank makes these types of claims.
Product: Credit reporting or other personal consumer reports

This account was charged off as a collection on the following date XX/XX/XXXX but is being reported as a sold account XX/XX/XXXX to XXXX XXXX XXXX. It is also reported on my report that the account was in good standings on active payments from dates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This account status is also reporting to be XXXX which is also inaccurate and a violation. This account was also reported to both XXXX and XXXX, which both have already been dismissed and removed from my report due to inaccurate information. According to XXXX XXXX XXXX XXXX, Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 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 : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX recieved notice and proof of my XXXX and my inability to repay loans.
Product: Credit reporting or other personal consumer reports

Ive reviewed my Consumer Reports and noticed that I had one late payment 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 self lender credit builder. 
Please investigate and provide Proof with statements showing that this payment was 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

I am extremely disappointed with XXXX XXXX XXXX. Over 6 years ago I had work done at with XXXX XXXX of XXXX XXXX XXXX. They always told me they would work with my insurance company on payments. After 8 months they sent me the first invoice, a past due bill and threatened to send me to collections. I worked hard to settle with them even up 1.5 years after the work was completed. They stopped communicating with me and now after 5 years they sent me to a collection agency for twice the amount. I called the collection agency to try and settle again and was told that XXXX XXXX did not want to settle and instead instructed the credit collections company to report it as a collection account to the credit bureaus. They wanted to have my credit score damaged. 

I do n't think this is any way to run a business. I offered to settle and they have decided to be spiteful instead and damage my credit.
Product: Debt collection

XXXX XXXX was awarded a Garnishment Judgment in XX/XX/XXXX. Their Collector did not attempt to collect on this Garnishment until XX/XX/XXXX. Without warning or notice. According to the ARS 12-1551 ( B ) https : //www.azleg.gov/XXXX This creditor illegally garnished wages after the 5 year period. There is no record of them filing for an extension either. I have had this garnishment taken out of my check every pay period from XX/XX/XXXX - Current. I would like this creditor to stop taking money from me and to refund all funds they have taken. Amounts varied as this was based off of my Net Earnings, not to exceed 25 % of my pay. The second Garnishment order was given to the below creditor in XX/XX/XXXX. Six Years after the original Garnishment Order. This makes this order Null and VOID XXXX XXXX is my Employer. The original Creditor was XXXX XXXX ; their Collector is : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, AZ XXXX XXXX I would like a full refund of all of my funds that were illegally taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from all 3 bureaus after being contacted by debt collectors I had never done business with. There was a lot of accounts and other personal info on my reports that do not belong to me and I didn't authorize. I filed a police report and an identity theft report for the 2nd time because I also filed one when my wallet was stolen with my ID and other personal info inside about 10 years ago. I also submitted disputes with all three bureaus and they have not taken what doesn't belong to me off my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus (XXXX, XXXX, & Equifax). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 (a) 1 (A) you are required by federal law to verify with the physical original signed contract.  The credit bureaus state that they don’t have proof to provide me with & I am demanding these accounts be removed XXXX   XXXX XXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXX, & XXXX/XXXX XXXXXXXXXXXXX
Product: Debt collection

I received a credit alert that there was a derogatory mark on my credit report on XX/XX/XXXX by Debt Recovery Solutions. The debt was paid in full on XX/XX/XXXX and that group deposited the check on XX/XX/XXXX. This entire process was handled by an attorney, XXXX XXXX. Debt recovery solutions required proof of this payment to remove the item from the credit report. On XX/XX/XXXX, I provided a copy of the deposited check as proof of payment in full. Debt solutions issued a generic response stating that they verified the original debt without any reference to the proof of payment provided. The item was updated as accurate on my credit report. I contacted the credit reporting agency directly and filed a complaint. The credit reporting agency XXXX closed the dispute on XX/XX/XXXX, stating that Debt Recovery Solutions verified the original debt, again with no reference to the clear evidence of account payment. This group has chosen to ignore the evidence of an account paid in full and continue to harass me for payment and update my credit report for something that is incorrect.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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 or other personal consumer reports

On XX/XX/2024 and XX/XX/2024 I sent letters to TransUnion. 
So I'm writing to bring to your attention a concerning issue I have encountered with TransUnion and several companies reporting information to my credit file. 

Recently, I discovered discrepancies on my credit report related to late payments associated with accounts from the following companies : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  - Account Number : XXXX Upon discovering these discrepancies, I promptly initiated a dispute process with TransUnion, requesting documentation to verify the accuracy of the reported late payments. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccuracies on their credit reports and receive documentation supporting the accuracy of disputed items within a reasonable timeframe. 

However, despite multiple requests made to TransUnion, they have failed to provide me with the necessary documentation within the required timeframe. This failure to comply with FCRA regulations has hindered my ability to address and rectify the inaccuracies on my credit report, thereby causing undue stress and frustration. 

I believe that the actions of TransUnion and the aforementioned companies are in violation of FCRA laws, which are designed to protect consumers ' rights and ensure the accuracy of credit reporting. 

I kindly request that your office investigate this matter and take appropriate action to ensure that TransUnion and the companies involved adhere to their obligations under the FCRA. Additionally, I seek assistance in obtaining the documentation necessary to resolve the disputed late payments on my credit report. 

Thank you for your attention to this matter. I look forward to your prompt intervention and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have accounts and inquiries on my credit reports.
Product: Mortgage

Mortgage servicing company is holding mailed payment check until after late fee date passes, 16 days after due date, then assessing {$45.00} late fee.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question ADDRESSES REPORTED 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 or credit management

Signed an apartment lease for the period XXXX to XXXX XXXXXXXX. Was not informed about automatically signed for a credit building service online ( RentPlus ), but the monthly rent showed a XXXX XXXX The apartment office ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) told me they can not do anything about it but I could google the company and contact them for service cancelation. 

XXXX XXXX [ 1 ] shows that many rental property had this RentPlus or related credit building service Opt-out, which led to subsequent difficulties for cancelation [ 2 ]. Moreover, even after successful cancelation, people were still charged monthly. Many people live in rental properties due to budget issues otherwise they would prefer to have their own places. Those are people either has no money, want to improve their credit scores, or students. Moreover, many said it did not help with their credit score [ 3 ]. So, this is a predatory in nature from both rental companies and credit building companies. 

XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I financed a XXXX XXXX, and then they added on a whole bunch of fees and their own version of insurance and my bill keep increasing until they repossessed it. On top of that XXXX phone calls to my family and my work and myself and really XXXX  practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an installment loan with Republic Finance. On XXXX XXXX a payment was submitted to them in the amount of {$150.00} and on XXXX XXXX the payment was applied to my account. On XXXX XXXX, XXXX I received a credit notification from XXXX and XXXX which stated that my payment was 30 days past due. I reviewed the payment receipt that was mailed to me from Republic Finance which stated that my payment was received. When I contacted them they informed that the payment system updates on the last day of the month which was XXXX XXXX, XXXX. They informed me that the payment did come in on XXXX XXXX but was not applied to the account until the next day. I then asked them why I was reported as 30 days past due when at the time the payment was submitted I was only 22 days past due. Again they told me that the system updates accounts electronically and that they have no control over it when it updates accounts and submits reports to the credit bureau. I informed them that this has happened in the past and I had to file similar complaints in regards to this type of credit reporting. They reviewed my account and then stated that they were not allowed to talk to me about it. They informed me to file a credit dispute, but made sure to tell me that the credit report wont be changed. I currently have a balance of {$400.00} which I want to pay but I feel that if I submit this payment I am worried that t will not be credited to my account correctly which may cause my account to remain delinquent. Republic Finance has a history of not report account information correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to take over a lease from a private party through the website XXXX of which I am a member. The leasing company was XXXX XXXX. They denied my application. I requested in writing why it was denied and the written reply was " Terms/conditions requested not offered ''. What the does that mean ... you ca n't talk to a person. I requested a copy of the report that was used to deny the application. They charged me {$120.00} to apply so I should be entitled to see the basis for the denial. The last communication from them was on XXXX/XXXX/2017.
Product: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX ] from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within XXXX  days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX P .S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau