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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XX/XX/year> CREDIT COLLECTION SERVICES Subject : Formal Dispute of Inaccurate Credit Reporting Progressive Dear CFPB, I am writing to formally dispute the information reported on my credit file regarding the company referenced above. Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into the reported details. This is not a request for a simple verification ; this is a demand for a complete and accurate review. 

Please be advised that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX for their failure to conduct thorough investigations into consumer disputes. This serves as a reminder that inaccurate reporting and sham investigations are not only unethical, but they are also illegal. I expect you to handle this matter with the utmost attention and care, in compliance with the law. 

I am requesting that you immediately remove the inaccurate information from my credit report. If you are unable to fully substantiate this account, I demand its removal without delay. 

Please provide me with the results of your investigation and a copy of the updated credit report. 

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

XXXX XXXX  is supposed to be removed from my credit report as the deletion request was submitted by the creditor. Equifax has continued to report the account even after Im submitted documentation showing it should be deleted.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my social security was used to open a XXXX account with disbursements of XXXX and XXXX. After calling the loan and speaking with XXXX the address and phone number were not mine. I notified the school of the fraud as well as I am not in school, never was in school, and dont intend on going to school.
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 XXXX XXXX XXXX. 

XXXX XXXX # XXXX, XXXX XXXX XXXX DEPT OF ED/XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Checking or savings account

I keep being charged returned check fees on my accounts but I dont have nor write checks. I received one letter stating I would incur a returned check fee for a one cent payment request that was presented but not paid. I asked for NFCU to be investigated before and during that time I was not charged any fees. I found that peculiar because if the charges are warranted why only charge when NFCU is not being watched. NFCU has been investigated previously for excessive charges and this is beyond excessive. Please investigate.
Product: Debt collection

I have been contacting XXXX, XXXX, & XXXX for over a year to have them remove the " open '' collections that clearly states it was discharged thru my bankruptcy. XXXX has since removed these from my credit. However XXXX and XXXX has then reporting as " open '' not only that I am showing XXXX collections for the same debt that was discharged. I 've made several attempts to have these removed from showing open collections with no results, except from XXXX. I understand these are in my bankruptcy, however they are not " OPEN ''. I have been discharged from these.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX  CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX    XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. CHASE CARD View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type - Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit {$20000.00} Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
Product: Credit reporting or other personal consumer reports

Second Dispute of Unauthorized Late Payment Reporting for XXXX XXXX XXXX XXXX XXXX XXXX ) ** Dear TransUnion, I am writing to formally dispute the late payment entries on my consumer credit report regarding the account XXXX XXXX ( Account # : XXXX ). On XX/XX/XXXX, I submitted a dispute regarding two late payments recorded for XX/XX/XXXX and XX/XX/XXXX, which I can confirm were both paid on time. Unfortunately, despite my request, your agency has failed to provide the necessary documentation to support these claims. Your response of no change needed is unsatisfactory and a clear failure to comply with my lawful request.

In accordance with 15 U.S. Code 1666b, I am again requesting the following documentation : The periodic statement for each alleged late payment.

The tracking number proving that each periodic statement was delivered to me at least 21 days before the respective payment due date. 
As previously stated, I expect this documentation to be provided as part of your investigation into the accuracy of this information. TransUnion has failed to comply with my initial request, which was in full compliance with my rights under the Fair Credit Reporting Act ( FCRA ). I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), case # XXXX, regarding this issue. 

This letter serves as a second attempt to resolve this matter and demands that you conduct a full and thorough investigation into the accuracy of these late payment entries. In accordance with Section 611 of the FCRA, your agency is required to ensure that the information in my credit report is accurate and complete to the maximum possible extent.

Additionally, the reporting of this information appears to violate 15 U.S. Code 1681b ( 2 ) as it was done without my written permission. I request a copy of the written authorization bearing my wet signature that allowed this reporting.

Furthermore, I affirm that I did not authorize the reporting of this information to your agency. Therefore, under Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation and written confirmation that you have completed this investigation, including the names of the entities you contacted to verify the accuracy of this information.
Product: Credit reporting

Transunion previously deleted inquiries from my credit report and then added them back on without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has fraudulent information reporting on my equifax credit file. The fraudulent listings are a result of identity theft. I have already reached out to Equifax without resolution the following are accounts that are due to identity theft that were opened as a result of fraud from a thief. I am attaching my Drivers License, and IDTheftAffidavit from law enforcement. Please review and block the fraudulent accounts. 

1. XXXX XXXX Line of Credit {$980.00} Balance with a {$1000.00} Credit Limit account # XXXX Opened XX/XX/XXXX. 
2. XXXX XXXX Revolving line of Credit Balance {$5800.00} Credit Limit {$6000.00} Account # XXXX Opened on XX/XX/XXXX. 
3. XXXX XXXX Revolving line of credit Balance {$490.00} Credit limit {$500.00} opened on XX/XX/XXXX. Account # XXXX 4. Student Loan US Department of Education Balance {$21000.00} Opened XX/XX/XXXX. Account # XXXX Inquiries that are fraudulent as well. - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX all XX/XX/XXXX with a lock on my file these are fraudulent. 

Address XXXX XXXX XXXX XXXX XXXX, TX XXXX. Is not my address. My Address is XXXX XXXX XXXX XXXX, TX XXXX Fraud Alert - does not list my phone number XXXX. Please correct this.
Product: Checking or savings account

A deposit was made to account XXXX on XX/XX/XXXX. The next day I withdrew money. On XX/XX/XXXX TCF decided that this was a fraudulent transaction and started an investigation and closed this accoiunt. About {$1700.00} was in the acciunt before it was closed and they deposited 2 social security checks after account was closed. I was told investigations can be ongoing for 3 months. I have sent 3 letters, one of them was a requested notarized signature and have gotten no response.
Product: Debt collection

I contacted this company prior to the court date requesting information and notified them of my willingness to resolve. I also gave them permission to speak with my Mom, XXXX XXXX, who was an authorized user on the account. She also contacted them prior to the court date trying to resolve. At court, they stated that no one had contacted them to resolve. We have phone records that prove otherwise. 

We also made several attempts to schedule payments online and had continuous problems with their website. We notified them repeatedly with no luck. When my Mom was finally able to speak to someone and attempted to make payments, they stated that our options were to pay over {$400.00} a month ( not feasible ) or file bankruptcy. 

Despite our numerous attempts to resolve, they are now trying to garnish my wages based on a judgement they got under false statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan from Chase was paid in full after trading the vehicle in. Chase received the payoff amount on XX/XX/2023. The credit report from XXXX still shows account as open, as of XX/XX/XXXX. I filed a dispute with XXXX on or around XX/XX/XXXX. They verified with the lender who said the account is still open and not paid in full.
Product: Credit reporting or other personal consumer reports

Original my student loans were all with XXXX, but they transferred over to NelNet when the XXXX contract cancelled. XX/XX/XXXX, I transferred all my student loans over to XXXX. I've been trying since at least XX/XX/XXXX to get my XXXX credit report to update the status of the NelNet accounts as Closed-transferred/never late. XXXX is the only credit bureau that shows that I have student loans with both NelNet and XXXX for the same student loan accounts. XXXX and XXXX indicate correct student loan information with XXXX only. I tried to both call and email NelNet directly with no response to correct the reporting error to my XXXX credit report. XXXX keeps telling me that NelNet will not update the records when I file a dispute so I'm unable to resolve with XXXX as well. The duplication of student loans between NelNet and XXXX is unacceptable and increases my utilization % on XXXX.
Product: Bank account or service

I have a checking and savings with Wells Fargo. I was mailed a fraudulent check and my bank did not hold the check to see if it was fraudulent and I used it and now the bank will not guarantee it. Now they are demanding for me to pay it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed there was a lot of fraud from a company that i thought was handled a long time ago when I told them they had the wrong person back in XXXX. For some reason account resolution services has hit me with 7 hard inquiries on my account with all different prices. They call countless times. I had explained to them they had the wrong person and I thought this was all done with as they understood. Today I went into my credit karma which is XX/XX/XXXX. I have no problem providing any of my personal information but this is identity theft and fraud and nothing on here was ever signed or agreed upon by me. I do not know this company or the companies there working with. I would just like this to be resolved so my credit is accurate.
Product: Mortgage

In XX/XX/XXXX I missed a payment. I contacted Bank of America and was granted 6 months to bring my account current. I paid additional with my regular payments. In XX/XX/XXXX I contacted the bank for the amount to bring my account current. Their amount didn't match what I believed the amount should be. Reviewing my payments, I discovered instead of posting an amount to my past due the bank posted to additional principal. I requested by phone this error be corrected. I was assured the posting was corrected. I was given an amount which matched what I showed would bring my account current. I paid this amount with my XX/XX/XXXX payment I made the XXXX and XXXX payments and my account online showed current. The bank then reposted my XXXX and XX/XX/XXXX payments and showed my account past due. I was unable to make my XX/XX/XXXX payment online. I went to the bank in person. The teller told me they could not accept my payment. They accepted my payment when I requested they write " refused payment '' on my check. This amount is showing as " unapplied ' and Bank of America shows I am past due for my XX/XX/XXXX payment although the check has cleared my bank. The incorrect posting to principal has never been corrected. I have sent B of A a copy of the payments that cleared my bank several times. I have requested all contact be done in writing so I would have proof I have tried to get this problem corrected. I was contacted by phone and I requested I only be contacted in writing. On XX/XX/XXXX, Bank of America called me. On XX/XX/XXXX they called 3 times and two more calls on XX/XX/XXXX. I am now being harassed by Bank of America. I have sent them copies of the payment that cleared my bank as well as where the payment should have been applied vs where they applied them and requested the correct the way my payments were posted
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Account Name : XXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 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.

Futhermore, I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. And have overtly violated the Fair Credit Reporting Act 603 Definitions ; rules of construction, adverse action as described in section 603 ( k ) ( 1 ) ( A ) 604 Permissible purposes of consumer reports.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account # : XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX and the major credit bureaus XXXX XXXX Equifax XXXX and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, Equifax, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, Equifax, and XXXX immediately, in accordance with the FCRA and CFPA. If XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

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

On XXXX reports were filed for identity theft with FTC. On XXXX I sent the identity theft reports along with affidavit and letter regarding the inaccurate and unknown things on my credit report. I have received certified mail return receipts that confirm the agency received the identity theft reports. To this day over 30 days later the inaccuracies have not been corrected as of yet on my credit report. I feel like I am being taken advantage of and being ignored of my disputes. These agencies are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the accounts and inquiries stated must be deleted from my report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have landed into the hands of the wrong person.
Product: Bank account or service

I received a XXXX tax from from Bank of America XXXX for an XXXX distribution of {$7000.00}. I do not have an account with them and never been a Bank of America employee. After numerous calls, I was told that it was a fraudulent account opened under my name. I have requested since XX/XX/XXXX for a revised XXXX that show {$0.00}, I am still waiting to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today being XX/XX/XXXX I called XXXX XXXX XXXX  to inquire about charge off balance which is still sitting on my credit report for XXXX. I called to notify them that I dont know nothing about the account and I need a debt validation and they refused to send it and keep routing me to different company to contact which is the dealership. In my credit report it shows the reporting agency ( XXXX XXXX  ) a charge off but according to an email sent from one of the representative of XXXX XXXX they listed it was a repossession. I never had a repossession in my account. Im confused as why they cant send debt validation on what I owe but instead trying to transfer me to another company which looks scamy to me. XXXX the supervisor isnt helping and credit report keep reporting accuracy to the account and I know I have been violated by them not removing the item under fair credit reporting act. Please help me to get this out of my report. The company doesnt have physical address but a XXXX XXXX XXXX This company need to be reviewed as they claim they are the bank but then going by what dealership told them. If I owe dealership, why not dealership send me to collection other than having them do the job of dealership. This is pure SCAM! 
XXXX XXXX also need to be reviewed as she lacks knowledge of consumer reporting ACT
Product: Money transfer, virtual currency, or money service

I am in the process of buying of buying a XXXX. I received an email from my attorney with wire instructions for closing. The email had the address of the unit to be purchased. I wired the money, on XX/XX/XXXX. I sent a confirmation of the wire to my attorney and did not hear back. A few days later, I received an email stating that the title company had not completed the closing paperwork, so they were sending the money back. The money has still not shown in my account. I sent an email to my realtor and my attorney that the money still wasn't showing in my account as of today XX/XX/XXXX. My realtor said something was not right. Then my attorney called and said she had never wired me instructions. On further examination, the original email used my attorney 's name and business info, but was not the same email address. The emails had all of the the accurate information regarding the unit I was to purchase as well as the correct closing costs.