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

I am writing to formally dispute the unauthorized sale and inaccurate reporting of the XXXXXXXX XXXX  account ( # XXXX ) on my credit reports with XXXX and Equifax XXXX This account has been sold without my consent, constituting a breach of privacy. Additionally, the reporting on this account contains numerous inaccuracies. I demand the immediate removal of this account from all credit reporting agencies and request compensation for the damages caused, along with a thorough investigation into these issues. 

Issues Identified XXXX. Unauthorized Sale of Account : The XXXX XXXX  account was sold to a third party without my knowledge or consent, violating my privacy rights and the Fair Credit Reporting Act ( FCRA ). 
XXXX. Inaccurate Reporting : High Credit : XXXX : {$1600.00} Equifax : {$2000.00} Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Payment History : Both XXXX and Equifax inaccurately report that the account Was 30 Days Late XXXX XXXX and Was 60 Days Late XXXX XXXX, which is not correct. 

Violations and Impact The discrepancies in the reported information and the unauthorized sale of the account to collections without my consent violate my rights under the FCRA and privacy laws. These actions have caused undue stress, potential damage to my credit profile, and an invasion of my privacy. 

Applicable Laws and Regulations 1. 15 USC 1681e ( 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 reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - 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.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( 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.

6. Right to Privacy : The unauthorized sale of my account without my consent constitutes a breach of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting the Credit Bureaus to remove the accounts and inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : 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 XXXXXX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

they DON'T REMOVE NOTHING OR SHOW ANYTHING THATS THE LAW.
Product: Debt collection

We received a debt collection notice from Southwest Credit in the mail claiming they were collecting a debt for one of our creditors ( XXXX ). We do not owe a debt to XXXX and are always current with our bill. We also have a monthly automatic withdrawal set up with XXXX, so we know we are always current. We contacted XXXX and verified that we do not owe a debt and also that we have never been sent to collections.
Product: Credit reporting, credit repair services, 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 - {$1500.00} -HAS VIOLATED MY RIGHTS! 


INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/2022- HAS VIOLATED MY RIGHTS! 
XXXX XXXX XX/XX/2022 - 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been active on getting my credit reporting straightened out. I have noticed so many errors. This is another. I have communicated with XXXX, XXXX and XXXX. Out of all three XXXX removed the debt collection that is FRAUD. XXXX and XXXX must be ignoring my claims and they have not provided any verification of this debt showing. SOUTHWEST RECOVERY SER ( Original Creditor : XXXX XXXX XXXX. ) have been contacted via certified mail return receipt. However, it is being ignored. This is why I am reaching out to you. They should all be on one accord and it appears fishy. This debt is not mine and I do not owe anyone. Please assist me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. BK OF AMER XX/XX/XXXX 2. BK OF AMER XXXX XXXX, XXXX 3. BK OF AMER XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Because of lost income, I notified my credit card providers in XXXX that I was no longer able to make monthly minimum payments and asked them to reduce the amount due until I can get back on my feet. One of them, XXXX XXXX, immediately worked out with me a plan to reduce the amount and lower the interest rate in the interim. But one of them, Citi Visa ( XXXX ) declined to working out a plan with me. I told the bank that all I would be able to pay via online payments is {$100.00} a month in order to keep the account open which I have been doing. But, not only am I accruing monthly fees by the bank 's refusal to work out a plan with me as XXXX did but I am receiving on a daily basis anywhere from 4 to 6 robo annoying calls which is a total violation of my rights. I want Citibank to work with me during this personal financial crisis and stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Experian and dispute this account mutiple times and nothing hasnt been resolve someone file got mix with mines
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  i was transfer from XXXX XXXX to this company Freedom mortgage, since XX/XX/XXXX  when I started this complain that as I found today havent been resolve, I have lost my job due to the incorrect reporting on my account to the credit agencies, I was denied plenty credit application including the refinance I was trying to do with another companies in order to get rid of this horrible company, the not only report my account status incorrect but they shown that I owe them money when they had all the money that was transfer from XXXX XXXX Still I paid them all as of today and they agreed to send the information to the agencies in order to fix my credit with the truth and the same day I pay the last month I was holding g in order for them to fix this. They reported to the agencies that I was late 90 days when that was completely a lie. I am tired of fighting with this company for over 9 months in order to fix this and they only laugh on my to the point that in XX/XX/XXXX I lost my job because all the bad things they reported incorrectly to my account. I have spoken to 49 agents, 12 supervisor, 7 back-up team members and 2  customer care manager and only supervisor XXXX was the only one that was able to start a real dispute with all the departments involved on this. The same that was in communication with XXXX from the credit department who offered me to pay the month of XXXX which I was holding it in other to force them to fix the issue and he was going to send a letter to the agencies in order to fix my credit. Turns out m, they reported 90 days late the same day and as of today no- financial company, field that I work in, they want to hire me because my credit is a mess and low due to this disaster they made in my life. I am recurring to you in faith that I have the solution in order to clean my name and recover my credit score since they put me in the low level ever. Please help me out. If you need to contact me. Please call me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to place a credit freeze on my account with TransUnion. They say I already have an account and when I try to access my account they say I am not answering the questions correctly. I call the number they gave and sat on hold for XXXX minutes, then when someone finally answered, we had a bad connection and they hung up on me. How am I supposed to put a freeze on my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco added a hard inquiry to my report that I didn't authorize. Company could not provide me with verifiable proof of hard inquiry which violates fcra requirements.
Product: Mortgage

My husband and I purchased a home in 2019, he passed away, I was making pmts on time. I contracted XXXX late XXXX of XXXX and went on Forebarence plan. After I was ready to resume pmts was told loan was sold to Shellpoint mtg. I called to ask them if I can resume pmts, they said no, my file was not ready yet so hold off. then after a lot of calls, they told me I need to apply for a " assumption modification '' and 5 months later still not in underwriting, Im in forcloseure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Since XXXX, 2022 I have sent to MIDLAND CREDIT MANAGEMENT , INC a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, MIDLAND CREDIT MANAGEMENT must prove that this acct is mine showing any existing contract or application signed by me with my social security number.
Product: Bank account or service

My aunt is XXXX years old and has been banking with Wells Fargo bank for years. She is a " XXXX '' customer. My aunt assigned my sister and me as her POAs a few years ago. Until about a year ago, my aunt has handled all of her own affairs with minimal assistance. Last year she moved into an assisted living apartment. I went to Wells to get info on my aunt 's accounts so I could set up budgets. They would not honor the POA unless my sister and I were there together. I have had NO problem with any other organization, getting information about my aunt once I have provided them with the POA. Last week, my sister flew in from CA and we went to Wells together to get information. What we were asking for : ( 1 ). that I could inquire about my aunts fund. ( 2 ). I could negotiate rates on her CDs. We were told that Wells Fargo would not honor our POA. My aunt, at XXXX, is very suspicious about any request about her banking. I have been told by her nurse that this is very common in the elderly. I do not want to upset her. I do not want to tell her that Wells Fargo is taking advantage of her. She believes that she is a XXXX customer and that they are taking care of her. I do her taxes annually and see her CD income. Last year on approximately {$90000.00}, she received & lt ; {$50.00} interest. I was told that my aunt 's CDs are on auto renew so she receives the published rate. Right now that rate is .05 %, my local community bank is paying .40 % -1.3 %. This is how they take care of their " XXXX '' customers? I see why they do n't want me coming in negotiating rates for her. In my opinion, this is XXXX Abuse! The second part of my complaint stems from the actual POA. I gave it to the personal banker to send to their legal dept. I remember it sitting on her desk, right in front of her. When we left, I forgot to take the POA. I called the next day and the personal banker told me that she gave it to me. She had n't. I had brought XXXX folder in with me and it was not in there when I left. She told me that she was n't in that office today that she would check on her desk when she got back there. I called her manager to complain. He told me that she would have locked it in her drawer, and they would call me Monday. I called them on Monday and the personal banker was out. I called back today and left a voice message with the personal banker, no returned call. I called a XXXX time and her voicemail account was full. I am very frustrated and now have to pay for another copy of this document from my aunt 's attorney. I am just trying to be an advocate for my XXXX year old aunt. I do not want any access to her money, other than inquiry and the ability to advocate for higher CD rates for her. I do not want to upset her and drag her through this process. I do n't want her to know that she is being taken advantage of by an organization she trusts.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX  Account Number : XXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.
Product: Checking or savings account

On XXXX, I filed a dispute on my checking account with my bank for a transaction in the amount of {$450.00}, which was related to the Nevada XXXX. On XXXX, I was provided with provisional credit by my bank in the amount of {$250.00}, and on XXXX, an additional provisional credit of {$190.00} was applied to my account. However, On XXXX, the {$190.00} provisional credit was reversed. 

It is crucial to note that I proactively communicated with my bank on multiple occasions, clearly expressing my request for a full refund. The bank assured me that they would address this concern and advised me to contact the merchant ( Nevada XXXX ). I documented each conversation I've had with my bank concerning this dispute, ensuring the accuracy of the information shared. 

As part of my efforts to resolve this matter, I diligently worked with the Nevada XXXX, and we successfully resolved the payment issue. The initially disputed debt of {$450.00} was later adjusted to {$200.00} by the Nevada XXXX, and this corrected amount was promptly paid in full on XXXX. As a result, there is no remaining outstanding debt with the Nevada XXXX. It's essential to note that the reason for the XXXX lowering the amount was due to an incorrect charge caused by a malfunction on their part. 

Despite my repeated attempts to inform the bank of my successful resolution with the merchant, I was later informed that, due to the 120-day timeframe since the case was opened, they are unable to reconsider my case. This limitation imposed by the bank 's policy has hindered a fair review of my dispute.
Product: Credit reporting 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 this account 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 listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00}.
Product: Credit card

Hello, CFPB. I have tried to resolve this issue through the XXXX XXXX XXXX, but the complaint has become stagnant. I hope CFPB can please help me. I will provide the information below : On XX/XX/XXXX, a transaction was posted to my Upgrade credit card account from XXXX for {$520.00}. During this bundled purchase, I reserved a XXXX XXXX XXXX and a XXXX XXXX. 
The two items could not be divided from one purchase, and I do not have either in my possession. The vehicle order never came through and was canceled ( XXXX dollar charge ). 
The mobile charger was returned to a XXXX XXXX center in XXXX, Texas ( XXXX XXXX XXXX ). This item was lost via XXXX 's handling, which shipped it through XXXX to their facilitytracking number XXXX. 
XXXX will not allow me to file a claim since this was shipped via XXXX, and only they can request it. XXXX has no available customer service number to contact a live person and will not respond to my requests for help. XXXX and XXXX representatives advised me to seek assistance using my credit card. I contacted Upgrade for a resolution.

Upgrade Inc. began my dispute, and I sent them all available evidence demonstrating the situation. 
I observed significant balance errors during a routine login to my account and called Upgrade on XX/XX/year> at XXXX XXXX. I was told this was normal and that it was occurring to credit me with my lost amounts for winning/succeeding in my dispute with XXXX. I was told this was over in my favor. 
On XX/XX/year> at XXXX XXXX, I received an email informing me my dispute status was declined and my funds were lost. I called multiple times and endured extremely hostile representatives from Upgrade Inc., followed by promises to research the evidence I provided and review the call logs, informing me that this dispute was already resolved. Upgrade Inc. did not perform any of these services/promises. During my call today, I could not speak to the manager who had made these promises ( XXXX ). No review was done, no effort was made, my dispute was refused to be reopened, and I've been told to once again merely surrender my hard-earned money for nothing. 
Finally, on XX/XX/XXXX and again on the XXXX, XXXX agreed to provide me with a refund, but I never received it on my Upgrade XXXX card. I contacted XXXX once again, and on XX/XX/year>, XXXX once again confirmed the refund was approved, but Upgrade Inc. refused to release the funds back to me with no reason given. The attached email correspondence will demonstrate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$210.00}, the amount they gave me to settle my XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXXXXXX XXXX I spoke with a representative from experian about two accounts missing from my credit report. I told the rep. that my two Discover credit cards were removed from my credit report and also that it has caused my score drop. The rep. told me that I needed to call Discover regarding the issue. I immediately called Discover and the rep told me that she wasn't sure how to resolve this issue.