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

I am writing to formally dispute the inaccurate and inconsistent information reported by XXXX XXXX XXXX on my credit reports with XXXX XXXX XXXX XXXX and TransUnion XXXX The discrepancies in the reported data are substantial and have led to a misrepresentation of my credit profile. Additionally, there are concerns regarding a potential breach of privacy as my account was sent to collections without proper notification. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified XXXX. Account Status : XXXX : Paid XXXX : Derogatory TransUnion : Paid XXXX. Date Opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX Credit XXXX XXXX XXXX : {$1000.00} XXXX XXXX {$0.00} TransUnion : {$1000.00} XXXX. Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Payment History : XXXX and XXXX : 30 Days Late XXXX XXXX, 60 Days Late XXXX XXXX, 90 Days Late 2 Times TransUnion : No late payments Violations and Impact The discrepancies between the credit bureaus regarding the account status, credit limit, date last active, and payment history are clear indicators of inaccurate reporting. The inconsistency in reporting late payments, with XXXX and XXXX showing multiple late payments while TransUnion shows none, further highlights the severity of the inaccuracies. Additionally, the fact that the account was sent to collections without proper notification raises concerns about potential privacy violations. 

XXXX Laws and Regulations XXXX. XXXX XXXX XXXX ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this requirement. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Responsibilities of XXXX of XXXX : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
XXXX. XXXX XXXX XXXX ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
XXXX. Right to Privacy : The potential unauthorized handling or sharing of my account information, especially if it was sent to collections without proper notification, could constitute a privacy violation. This involves disclosing sensitive information to third parties without proper consent or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA XXXX XXXX XXXX XXXX  XXXX  XXXX MO, and XXXX XXXX XXXX XXXX XXXX # XXXX these inaccurate and unverified address must be removed asap from my credit report. This address I have never lived at and I don't want my mail going to someone else with all the fraud that is going on right now.
Product: Debt collection

On XX/XX/XXXX, I sent certified dispute letters to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the original creditor, XXXX XXXX, regarding two medical collection accounts that have been improperly reported on my credit report. The accounts include the following : Amount : {$670.00} & {$580.00} Date Opened : XX/XX/XXXX Status : Collection/Charge-off Despite my formal dispute and supporting documentation, these accounts remain on my credit report. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus and data furnishers to validate disputed debts and investigate disputes promptly. 

Actions Taken by Me : XX/XX/XXXX Sent certified dispute letters to XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX, demanding debt validation. 
XX/XX/XXXX Filed an identity theft affidavit and submitted dispute claims with Equifax, XXXX, and XXXX, requesting the removal of these fraudulent accounts. 
XX/XX/XXXX Received an inadequate response from Equifax, which stated that the accounts had been verified but failed to provide any supporting documentation proving the legitimacy of the debt. 
Issues with Equifaxs Response : Failure to Provide Full Debt Validation ( FCRA Violation 15 U.S.C. 1681i ) Equifax did not provide a signed contract, billing statements, or original creditor validation. 
Instead, they only stated that the accounts were verified, which does not satisfy the legal requirements under the FCRA. 
Request : I demand complete verification documentation, or these accounts must be removed. 
HIPAA Violation Unauthorized Disclosure of Medical Debt The reporting of my medical debt without my consent violates HIPAA privacy regulations. 
Equifax must provide proof that XXXX XXXX authorized XXXX XXXX XXXX XXXX XXXX to report this debt. 
Request : A HIPAA compliance report confirming authorization, or the account must be deleted. 
Identity Theft Failure to Remove Fraudulent Accounts ( 15 U.S.C. 1681c-2 ) My personal information was used without my consent, and I filed an identity theft affidavit. 
Under federal law, Equifax must block fraudulent collections upon receipt of my fraud report, but they have failed to do so. 
Request : Immediate removal of fraudulent accounts as required under 15 U.S.C. 1681c-2. 
XXXX XXXX Compliance Violations Improper Reporting of Charge-Offs The collection accounts were not properly reported according to XXXX XXXX XXXX. 
Errors include : Incorrect Date of First Delinquency ( DOFD ) Inaccurate balance and payment history Request : Full proof of compliance with XXXX XXXX reporting standards or immediate deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Regarding Inaccuracies in Credit Reports Dear Sir/Madam, I am writing to dispute and bring to your attention significant inconsistencies and inaccuracies in my credit reports from the XXXX major credit bureaus : Experian, XXXX, and XXXX. The discrepancies pertain to the XXXXXXXX XXXX XXXX account, and I request a thorough investigation to rectify these issues. 

Upon reviewing the credit reports, I have identified several discrepancies that require immediate attention. Firstly, in XX/XX/XXXX, when the XXXX XXXX XXXX account was opened, XXXX reports a payment made on that specific month, while Experian and XXXX do not reflect any payment activity. This discrepancy in payment reporting during the account 's inception raises concerns about the accuracy and consistency of the information provided. 

Furthermore, all three credit bureaus report three late payments on the XXXX XXXX XXXX account in the months of XXXX, XXXX, and XXXX. However, there is a discrepancy in reporting regarding the subsequent months. Experian and XXXX indicate a closed status on the account in XX/XX/XXXX, denoted by " XXXX, '' while XXXX shows payments made on the account until XX/XX/XXXX, suggesting an open status. These conflicting statuses require investigation and clarification to ensure accurate reporting. 

Additionally, I noticed variations in the balance update dates. Experian reports a balance update on XX/XX/XXXX, while XXXX and XXXX report balance updates on XX/XX/XXXX, and XX/XX/XXXX, respectively. This inconsistency in balance reporting further adds to the confusion surrounding the account 's status and payment history. 

Considering the discrepancies outlined above, I kindly request a comprehensive investigation into the XXXX XXXX  XXXX account across all three credit bureaus. Please review and reconcile the reported late payments, the missing payment in XX/XX/XXXX on Experian and XXXX, and the conflicting payment history between the bureaus. Additionally, ensure consistent reporting of the account status, including the closure date, to provide accurate and reliable information to potential creditors. 

Once the investigation is complete, I request a detailed explanation of the findings and the corrective measures taken to address the inaccuracies. As a consumer, I have the right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), and I trust that you will handle this matter promptly and in accordance with the FCRA 's guidelines. 

Please acknowledge receipt of this dispute letter and provide written confirmation. I appreciate your immediate attention to this matter and your efforts to rectify these inconsistencies. I look forward to a prompt resolution and the issuance of updated and accurate credit reports. 

Thank you for your assistance. 

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

XXXX  consumer incorrectly reported 2 late payments on my credit and I want it removed immediately. I am currently speaking with a lawyer and I will file a lawsuit if they continue to falsely report activity on my credit report. Inaccurate information needs to be removed immediately or I will continue with legal action. I want the two late payments removed immediately. I will also be contacting law enforcement for financial harassment by XXXX if the late payments are not removed by the end of XX/XX/2023.
Product: Credit card or prepaid card

I am writing because I've made an purchase of an queen size mattress from Ashley furniture that was well over {$5000.00}, including warranty. The mattress is faulty and dips when laying in it. I've tried to file an claim with the company but they rejected my claim. I literally can't use this mattress at all. They sold me a piece of junk. The claim process is a total scam. Please just send an tech to my home an let them see that this mattress is damage or faulty.
Product: Debt collection

Our information shows : Your Account is now owned by XXXX XXXX from XXXX XXXX XXXX with account number : XXXX This debt is past 7 years debt collection law in state of Texas. If its not, please provide proof of my signature/contract that I signed time, date, etc.. Im getting emails on a daily basis not quite sure how they received my email address that is a form of harassment
Product: Debt collection

The collection agency is Plaza Services , LLC. I have not received any communication from them at all about this supposed debt that is not on any credit report from any credit reporting agency. I have not received any letters in the mail, I have received no phone calls from them, nor have I received emails. They reported only to XXXX last month per that credit report. It has been over a month with no correspondence from them. All reviews on XXXX and the Better Business Bureau lead me to believe that this is a scam agency.
Product: Debt collection

As of XX/XX/2022, H & R account located in XXXX IL is reporting a debt of {$1600.00} on my credit report to the three credit reporting agencies such XXXX, XXXX and XXXX as medical debt. I don't know this creditor and they have not been able to verify this debt or respond to my request to validate it. This item was once reported to my credit report and i requested a debt validation from this creditor due to the fact that i was unaware of this debt it was since removed then added back. I never spoke with any representative on the phone or by mail. I never received any notice about my debt collection right to dispute. The creditor failed to respond to my request to validate the debt. This has negatively impacted my credit score. This is the only collection on my credit report as I have a good paying history with all financial institutions that I actually owe. It's my right to have the accurate information reflecting on my credit report as i have worked hard to keep a good history and its unfair that this debt collector is abusing my rights. I have lost XXXX points due to this reporting and its unfair because its so hard to keep good credit in this inflation and this abusive collector is making it even harder to stay afloat. This reporting is negatively affecting my lodging and transportation opportunities.
Product: Money transfer, virtual currency, or money service

I was paid by Cash app from a friend on XXXX XXXX. Around XX/XX/XXXX, cash app refunded the money from my account to the person who paid me and cant tell me why. This person owed me the money and paid me. Why did cash app took the money out of my account and returned it to them? They took {$2000.00} out of my XXXX checking account. Cant get a straight answer from no one. Just the runaround. I want my money back. I have called them many times. And the person who paid me knows nothing about this supposedly. Have them return my money.
Product: Checking or savings account

I tried to close my savings account today with chase, amount appx {$7000.00}. I provided photo id, a chase credit card and showed I could access the chase app. They then tried to send a security code to a phone number not listed under my security contact numbers. They tried again and the same confirmation no came up as opposed to my default cell no. They did this repeatedly putting a restriction on my account. I called chase they could not do anything by phone. Branch manager also called but got nowhere. I need my money today to cover clean up after storm damage but they state their system allows no exceptions and they will not give me my money. At one point they told me to leave the bank, I responded not without my money and they could call the police if they wished. 
Chase is happy to take my money but not return it.
Product: Credit reporting

Hello, my name is XXXX XXXX XXXX ( My father 's name is XXXX XXXX XXXX ) my fathers ' social security number and mine different only by the last digit, due to the fact that we arrived in the U.S. Together In XXXX and were issued social security numbers back to back. So, for the last XXXX+ years his credit cards, houses and autos are showing as mine as well as of right now my credit report is showing : XXXX credit cards, XXXX mortgages, and XXXX auto loans, out of those the only thing that is mine is XXXX auto loan from XXXX XXXX FOR {$9300.00}. I 've tried to solve this problem contacting creditors on my own and also through a lawyer which was expensive, and again he is up to his credit mess, and We are in the market to purchase a house but due to this mess we are not able to. My family and myself would appreciate your help at this point. Not sure what I can do as he will not stop opening credit cards to transfer balances, etc. I do not have a single credit card, because I do n't want to complicate the situation further. Please help! Please see all attachments below, and if you have further questions, please do not hesitate to call. 
Thank you so much, XXXX XXXX
Product: Credit card

I have been a customer since XX/XX/XXXX ... I have an excellent payment history ( AMEX stateded this ) ... My XXXX credit cards from AMEX were suspended without cause ... I was not notified, I found out my cards were suspended when a purchased was declined ... I faxed an agreement that AMEX may look at my XX/XX/XXXX tax return ... Poor response ... Stated my spending needed to be justified ... I was approved for the XXXX American Express Card as these XXXX cards are still suspended.
Product: Payday loan, title loan, or personal loan

I had  2  pay day loans from  2  different companies and paid  1  off because they threatened to get a judgment against me and garnish my wages. So i made  5  payments and on the final  1  they waited almost a month to get back to me and stated that the reload it card I sent was invalid and that I had to send another payment And on the other pay day loan same thing but I have only made  1  payment. Ahould I continue to make the payments. And can they garnish my wages
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

My identity has been stolen and I am in the process of fixing it. There are however a few accounts still on my credit report that I need to report. It is Truist Bank and XXXX Resolutions. There is an address associated to my social security number which does not belong to me, I have never lived in Florida. XXXX XXXX XXXX # XXXX XXXX, FL XXXX.
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$800.00}
Product: Debt collection

I paid all the medical bills they told me that I owed on XX/XX/XXXX. I have disputed the debts as being reported inaccurate. I have a zero balance but they keep reporting the amount as accurate which is harming my credit. Ive been going back and forth between the credit reporting agencies and Credit Control Corporation but they will not update or delete this inaccurate information from my file! I filed disputes on XX/XX/XXXX, XXXXand XX/XX/XXXX with all reporting agencies and they all sent results saying the information is accurate even after Ive sent pictures of the receipt received from Credit Control Corporation and XXXX showing the debt has been paid since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform
Product: Vehicle loan or lease

On or about XX/XX/XXXX XXXX a company under contract with XXXX XXXX contacted me in regards to a XXXX XXXX XXXX XXXX i have financed with them, They needed to recover it from me, I told them that when i cleared out my storage in XXXX Utah the motorcycle was not there and only other person that could have removed it was my ex wife XXXX XXXX, I explained to the gentlemen that I have a permanent stalking order against her and I'm a victim of a crime, He is in noway to give her any personal information about me and only can ask her about the motorcycle, The gentlemen from XXXX gave XXXX XXXX XXXX about me and she began to harass me after this call between XXXX and her, I had to file a police report with the XXXX Police department in Utah, Then after file a complaint with the gentlemens supervisor at XXXX and XXXX XXXX XXXX, and then on XX/XX/XXXX they sent out female to my house in XXXX Florida to serve me with papers, The female entered into my garage refusing to allow me to leave until i took the papers from her, I called the XXXX XXXX Department to file a report on this matter, I again contacted XXXX XXXX XXXX to report this matter to them, Due to all of these actions brought on by XXXX XXXX XXXX i'm being forced to relocate for my safety, Causing more financial hardship and emotional distress knowing the person they gave my personal information to committed number of felonies against me and i had already moved out the state of Utah due to this and my safety
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is serviced by Wells Fargo ( WF ). In XX/XX/XXXX, I had to stop working due to illness. I reach out to WF for a loan modification approximately XX/XX/XXXX. They did a forbearance plan instead a permanent loan mod. Each forbearance was for 3-4 months and each time I had to reapply in advance. I did always. One forbearance period ended in XX/XX/XXXX. I had already applied for a loan mod and by XX/XX/XXXX, it was still pending with WF. I was told it was still under review, but told me I could not send any payments until they ( WF Underwriters ) made their decision. Towards the end of XX/XX/XXXX, they made the decision to continue with a forbearance plan and the next payment was due XX/XX/XXXX. I was specifically told I could not send in no other payment except for that in the forbearance & had to follow the plan. If not, the plan will be breached & I would be required to pay the full arrearages. Later in XX/XX/XXXX, WF, put on my credit report that I had a late payment for XX/XX/XXXX. I disputed thru the credit Bureau & WF.  Explained to them, that because our case was under review, they refused any payments until they agreed to a plan. Once completed, they instructed me to make a payment starting XX/XX/XXXX. I remained under forbearance until XX/XX/XXXX, never missed a payment or defaulted under the forbearance plan. You can never continue in a new forbearance plan if you are default from the previous. However, WF, still has a late payment on my Credit file ( over 420 days ) & refused to  resolve this matter. For this reason, I am unable to refinance or get help from another financial lender. The loan has been under review with the underwriters since XX/XX/XXXX, & still no decision. In the meantime, no payments or being made or accepted by WF until the review is finalized. They are sending someone to inspect the property on XX/XX/XXXX before they make a determination. WF has been unorganized, added false info to my credit report, not reporting correctly of our agreed forbearance amounts/plan & they are showing all our agreed payments as unapplied. Numerous attempts have been made to resolve this matter but they have been unprofessional, uncooperative, & refused to correct or remove this derogatory info. It has negatively impacted me to move forward with restoring my situation. As of now, my case is still pending since XX/XX/XXXX. WF says the review takes 7-10 days, but it's been 60+ days, still no determination on their part. So we are helpless and continue to fall behind due to their unfair business practices & handling of my loan. As a veteran of the XXXX XXXX & the XXXX XXXX XXXX, I am appalled that they are able to treat our service men & woman this way & get away with it.