23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CREDIT AGENCIES CONTINUE TO VIOLATE " FCRA '' SECTIONS 604,605A, 605B, 607, 611, 623A... WITH REPORTING OUTDATED SINCE XXXX INCORRECT " PACER '' DATA OF PUBLIC RECORDS NOT MY ACCOUNT AND NEVER HAD ANY CH 7 BANKRUPTCY
Product: Debt collection

I received a text message from XXXX on XXXX XXXX. I am unaware of this account. It appear that this is direct violation of 15 USC 1692g, 15 USC CODE 1681S-2, 15 USC 1681i , and 15 USC 1681C-2 .
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I kindly need you to attend the following items in this letter, which contains data directly from my credit report, which you have provided. 

Late Payment : XX/XX/2023 APPLE CARD - GS BANK USA is reporting a late payment to my credit report. This is improper use of my credit for two reasons : In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Reason 2 : I was on XXXX XXXX orders during the time the payment was reported late and according to the Servicemembers Civil Relief Act - SCRA that if you use any of your SCRA rights and delay payments, it won't reflect on your credit report. I have provided this furnisher with a letter from my XXXX indicating I was under orders but this is still reporting and heavily impacting my credit.
Product: Checking or savings account

A charge to my account made an overdraft.. The company rescinded the charge because it was a cancelled account. Now Navy Federal wont credit back my account until XXXX. This began XXXX XXXX by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report now has a new derogitory remark on it that was not there before due to me paying it off.. I payed the debt off and all XXXX agency removed it and raised my credit but now only Equifax has it on it again and I do not know why.. I have tried to call but I have gotten the run around. Transferred here and there told ro call this and that number. I called the original creditor and they state that they did not report it again and that they have nothing to do with me anymore as i owe them nothing. I would wait but it just reappeared after months of ahowing payed off. Please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting at the list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 Section 602 A. States i have the to privacy.

15 U.S.C Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reportin agencia may make any consumer report containing any of the following items of information 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 ) ( a ) 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. 


Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a letter out XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank req verification of debt. Howerever its been more than 30 days and the creditors failed to send my investigation back.This is not making any sense. 

According to the law Act 15 USC 1692g I have the right to request validation of debt and creditors have up to 15-30days to respond.

I have yet to receive any documents in the mail VERIFYING debt they claim I owe, bearing signatures of contract nor how or who they are getting their information from.

By Law if no verifications proving I owe any debt has not been verified or sent to me by mail within the 15 day time frame accounts were demanded to be deleted due to them not proving the debt owe, bearing signature or how this information was received. 

These companies have violated my rights per FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( Installment ) Accounts - negative accounts - closed - Summary Equifax XXXX XXXX Last Updated XXXX, 2022 XXXX, 2022 Payment Status Charge-off Unpaid balance reported as a loss by credit grantor Worst Delinquency Bad debt/collection Charge Off/Other Derog Balance {$1400.00} {$0.00} Credit Limit 15usci1681i 15usc1681ia 15usc1681i5 15usc1681b i have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report
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 15 USC 1681. XXXX XXXX : # XXXX AND # XXXX, DEPT OF ED/XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX AND # XXXXXXXX XXXX  # 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.
Product: Debt collection

I have received correspondence from Company CBE and received several telephone calls related to a previously disputed account with XXXX/XXXX. CBE Company indicates that they received the file in their office 45 days ago and was bought from XXXX XXXX. I informed the representative that this account was not mine the result of Identify Theft ( probably from XXXX breach ), which I have been dealing with over the last 2 years, with several accounts opened fraudulently in my name - XXXX XXXX. I provided CBE with my current information and asked for them to validate the debt and to send me any documents via mail, which I have not received. Instead, they reported this fraudulent debt to all 3 credit agencies, which has resulted in my ability to obtain additional credit. I want this account validated, via a signature page, and sent to me within 15 days. I have disputed the debt with all 3 credit bureau 's. I am attaching the previous letter from XXXX XXXX, stating that they were not able to validate the debt and that they would remove this fraudulent account from all credit bureau 's. I want a similar removal letter from CBE if they can not validate via a signature page and want this fraudulent account removed immediately from all credit bureau 's. 

This account is not mine and was opened in my name fraudulently.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccurate information appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The following accounts contain errors or inaccuracies that require immediate investigation and correction : Name : XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXXXXXX Account Number : XXXX Name : XXXX XXXX  Account Number : XXXX Name : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXXAccount Number XXXX XXXX Reason for Dispute : I believe the information associated with these accounts is inaccurate for the following reasons : The accounts may not belong to me.

There may be errors in reporting the balances, payment history, or account status.

Possible fraudulent activity may have occurred without my knowledge.

In accordance with the FCRA, I request that the CFPB direct the relevant credit reporting agencies and data furnishers to investigate these accounts and provide verification of their accuracy. If the information can not be verified, I request that the entries be removed or corrected promptly. 

To assist in your investigation, I have enclosed the following documents : A copy of my drivers license for identity verification. 

A recent utility bill confirming my current address. 

A copy of my credit report highlighting the disputed accounts. 

Please notify me of the results of your investigation at the earliest possible opportunity. I trust that the CFPB will act in accordance with its mandate to ensure the accuracy and fairness of credit reporting. 

Thank you for your prompt attention to this matter. 

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

there are XXXX inquiries on my account from XXXX XXXX XXXX on XX/XX/2023 and XX/XX/2023 institution info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX ive never been to XXXX  or even heard of this bank ive filed police report of this as well when tried to call no answer left plenty o messages stil no reply
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately Account : XXXX XXXX, Account : XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against my bank for failing to address the issue regarding the payment made to XXXX XXXX, operating under XXXX XXXX, for the installation of a residential privacy fence. 

On XX/XX/XXXX, I paid XXXX XXXX an initial payment of {$8500.00} via XXXX XXXX XXXX XXXXXXXX for the construction of a 6-foot board-on-board privacy fence with a 4-foot agricultural X-style front section, encompassing approximately 1.06 acres. The total agreed-upon cost was {$17000.00}, with the remaining balance of {$8500.00} paid on XX/XX/XXXX. That initial payment of {$8500.00} was paid through my Wells Fargo account but unknown to me, XXXX took the money via a money transfer instead of debit transaction. 

Throughout the project, XXXX XXXX displayed poor communication and reliability. Despite our concerns, we trusted his assurances that the process would work out. However, once the fence was completed, it began to lean and fall over in multiple areas. XXXX XXXX returned once at our request, but did not perform meaningful repairs, and left without further communication. The fence began collapsing again shortly afterward. 

When we raised concerns, XXXX XXXX advised us to wait several weeks and assured us that a good rain was needed for the posts to properly settle. This caused us to exceed the 30-day dispute window for XXXX XXXXXXXX XXXX XXXXXXXX protections, leaving us unable to pursue a refund through their platform. 

Upon further investigation, I discovered that XXXX XXXX had been administratively dissolved by the State of Florida in XXXX, meaning XXXX XXXX was fraudulently representing himself as an active business entity. Despite this, he accepted over {$17000.00} from us ( including XXXX fees ) under the dissolved XXXX name. 

After receiving no meaningful response or resolution from XXXX XXXX, I hired a licensed, reputable fencing company for a second opinion. Their written evaluation confirmed that the fence was not built to code and lacked structural integrity. They advised full demolition and reconstruction before hurricane season, with a quote of {$18000.00} for proper demolition and rebuilding more than what we paid XXXX XXXX. 

I first went to XXXX who advised me I needed to reach out to my financial institution. When I sought assistance from my bank to initiate a chargeback, I was told that the request did not meet their criteria for a refund. I was then directed to XXXX, but because the transaction was processed as a money transfer rather than through a debit or credit card, XXXX would not entertain the refund either, citing their own policies. XXXX continued to insist my financial institution could resolve this matter when my financial institution continues to insist I need to seek resolution via XXXX. This left me without any recourse to resolve the matter and recover the funds paid to XXXX XXXX for substandard and fraudulent work.
Product: Credit reporting

I successfully completed a 12 month payment plan with XXXX without fail. At the end of the 12 month period, a balance was left of {$470.00}. That was paid this past week in full bringing my account to a XXXX balance. However, XXXX reported my account as a charge off of {$470.00}. This is not accurate but that is how XXXX reported it. I filed a dispute with Experien and they filed a dispute the and said it changed but it did n't. It says PAID. Write Off {$470.00}. Again, it should state PAID IN FULL AS AGREED with an GREEN OK sign and that should also be reflected in my credit and fico score. It was not written off. EVERY PENNY was paid.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute significant inaccuracies in the reporting of multiple accounts on my credit reports, as furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inaccuracies, reflected by both XXXX and Equifax, include false reports of late payments and conflicting information, which violate multiple provisions of U.S. law. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, Equifax ) Violations of Federal Law The reporting by these entities violates several provisions of the Fair Credit Reporting Act ( FCRA ) and related laws, including but not limited to : 15 U.S.C. 1681e ( b ) Accuracy of Reports Credit reporting agencies are legally obligated to ensure that consumer information is accurate. These accounts reflect false late payments and inconsistent data, demonstrating a clear failure to comply. 

15 U.S.C. 1681i ( a ) Dispute Resolution Obligations XXXX and Equifax are required to conduct timely and reasonable investigations upon receiving disputes. Their failure to correct these inaccuracies contravenes this legal requirement. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnisher Responsibility to Report Accurate Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are prohibited from furnishing information they know or should reasonably know is inaccurate. False late payments and inconsistent data violate this obligation. 

15 U.S.C. 1681b ( f ) Permissible Purposes for Reporting Consumer Information Reporting entities must ensure the accuracy and proper handling of consumer data. The discrepancies in these accounts constitute a breach of this legal duty. 

15 U.S.C. 1681c ( a ) ( 5 ) Exclusion of Obsolete or Inaccurate Information The inclusion of unverifiable or inaccurate late payments and inconsistent account data violates the mandate to exclude such information. 

Impact of Violations These inaccuracies have adversely affected my credit score, causing significant financial harm and stress. Such reporting negligence undermines my rights under federal law and diminishes my access to fair credit opportunities. 

My Requests Immediate Corrections : Remove any inaccurate late payments or conflicting data for the accounts listed above. 
Ensure Accuracy : Correct all discrepancies across XXXX and Equifax credit reports. 
Conduct a Full Investigation : Investigate the reporting practices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for compliance with the FCRA. 
Written Confirmation : Provide written confirmation of the resolution process and actions taken.
Product: Debt collection

Ive been trying to contact Jefferson Capital Systems to settle a debt in the amount of {$4800.00}. I called numerous times on XX/XX/2024 to see if I can settle the debt and get something in writing to show that the debt was settled. Nobody will direct me to someone where I can settle this debt.
Product: Debt collection

If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease further communication with the consumer regarding that debt.
Product: Credit card or prepaid card

I lost my physical " XXXX  '' credit card with Wells Fargo ( WF ) in early XXXX. I rarely used the physical card because it was registered with XXXX XXXX. 

I received a notification of possible fraud from WF about {$300.00} spent at a XXXX in XXXX XXXX. I have been to XXXX  several times, but only nearby ones ( XXXX  XXXX  and XXXX XXXX )- why would I go to a XXXX  in XXXX XXXX when there is a XXXX  right next to my house? Also, I don't believe I would do big purchases at XXXX ; I use XXXX and XXXX which has rewards and better prices. 

I called WF about the fraudulent charge. I said that my card was probably lost but I wasn't exactly sure. I had just gotten back from a vacation in XXXX and was still unpacking and short on rest, so I couldn't say definitively. WF gave some unclear response about sending a new card and reversing the charge. But it didn't turn up anywhere in the weeks after that- it was lost. 

I assumed they would be sending me a new card. But for a while I didn't check my mail because I came down with XXXX, and afterwards I sort of forgot since I rarely used the physical card and assumed that the fraud charge was reversed ( it had been, temporarily, then ) I assume they didn't send me a new card because I was still using the card through XXXX  XXXX  and for rent rewards points. But I didn't have the physical card and it turned out they were not intending on sending a replacement for the lost physical card. 

Now I see the fraudulent {$300.00} has been added back to my balance. I contacted them about receiving a new physical card, and they will send one, but it seems like they will be dragging their feet in resolving this claim and having me waste my {$300.00}.
Product: Checking or savings account

Returned item fee XXXX XXXX Returned item fee XX/XX/year> Returned item fee XX/XX/year> Returned item fee XX/XX/year> Returned item fee XX/XX/year> Returned item check fee XXXX  In all of these dates I called the company and they took no action except to explain why it was overdraft. when I had money in my account I would try to pay a bill and they would hold it until I didnt have enough money in my account so I could get the overdraft fee
Product: Money transfer, virtual currency, or money service

Coinbase ( Coinbase.com ) has verified my identification via my photo-id and everything. I have some of my money stuck in my account because I am not able to withdraw using my bank. They required additional information like my SSN and address which I attempted to complete for the longest time. I emailed them ( over the course of 3 months ) because there are technical difficulties when submitting my information ( they use a 3rd party system to verify IDs ). Their system keeps saying they couldnt locate my id. I just want to take my money out of my account because i literally cant buy or sell on coinbase anymore because of their flawed 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX XXXXXXXX XXXXt Account # XXXX, XXXX XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

XXXX I am writing to dispute the XXXX listed on my credit report. I have a letter from the court confirming that this XXXX should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Product: Debt collection

I have no idea what this is about. XXXX in Ohio sent this to XXXX XXXX in California, and they sent it to XXXX XXXX in New York, and they sent it to XXXX XXXX in XXXX. No one will answer any questions about this more than twenty year old matter. I was never served any papers, nor was I given a court date to challenge them. As I was unaware of the case, court location, date and time, I was unable to appear to defend myself. XXXX years later, I just found about a judgement against me issued by a court, because I didn't appear. How was I able to challenge these false accusations as they hid it from me for XXXX years? Where is justice?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off ( all loans paid to XXXX  balance ) through the Public Service Loan Forgiveness ( PSLF ) Program as of XX/XX/XXXX. The account on my credit report is still reflecting total balance owed {$99000.00} and last update was XX/XX/XXXX. I tried calling MOHELA several times to ask about an update to show " PAID OFF '' and " XXXX  Balance owed '' on my report. I was advised to contact annual credit report. This negatively impacting my ability to acquire new loans and/or credit in the future.
Product: Debt collection

Jefferson Capital did not send notice of this matter before adding it to my credit. I was in the middle of loan applications and blindsided by this matter, I was aware by a credit monitoring alert that my score dropped XXXX points. I have a perfect payment history ; Jefferson Capital is the only negative item on my credit. This has made me XXXX  and has caused much stress. 

Jefferson Capital has not provided any worthwhile resolution as the item remains on my credit. Had I been informed properly, I could have disputed the item or resolved the matter before it ruined my credit. This appears to be a XXXX XXXX account. Jefferson Capital has provided me with how they came up with the alleged amount ( {$150.00} ), the phone numbers for this account, proof that I used any numbers, texts or data for this account. Nothing. 

Now they want me to sit for a month or more. I can't apply for credit - I will not get the rates or tier I deserve, if my application isn't denied altogether. When I emailed this concern to them, they replied to visit their website or call their number. They do not care. Veterans should not be treated like this. Please help.