23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, GA XXXX took out a lawsuit on me but they were included in my Bankrupty that was discharged in XXXX of 2019 the Attorneys for the company is XXXX, XXXX XXXX. XXXX XXXX XXXX MD XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found severel items that are unauthorized and there are to be inaccurate information. 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. Under 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 ( ii ) 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 : 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 , This inquiry are not authorized, Please Remove all from my credit report Immediately.
Product: Credit reporting

They refuse to delete and account that is an account fraudalent/innacurate that does not belong to me. This account was used to obtain goods without my consent. They also are not helpful at all. From all the XXXX bureaus they work for the big banks not for the customer. 
I removed all the negative and bad account from XXXX, XXXX, EXCEPT ON EQUIFAX. I really dont understant. 
Please Help
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

I was activated and protected under XXXX during in 2008 my income was cut in half and I was unable to make payments. I disputed the charges that were being charged and after chase reviewed the charges that were outstanding they sent me a check in the amount of {$800.00}. These errors were reported in error.
Product: Debt collection

XXXX XXXX calls numerous times a day from many numbers I have asked them not to keep harassing me to pay a bill with money I do not have during a pandemic. They also send mail despite me disputing and them not sending me the proof.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX Account # XXXX for violating the Fair Credit Reporting Act ( FCRA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : Creditor : XXXX XXXX Account # XXXX Nature of Complaint : Inaccurate Reporting : XXXX XXXX Account # XXXX has reported inaccurate information on my credit report, including an incorrect balance and misleading payment terms for a collection account. This false information has significantly harmed my credit score. 

Lack of Notification : XXXX XXXX Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report, depriving me of the opportunity to dispute the debt or verify its validity. 

No Contract or Business Relationship : I have never engaged in any business with XXXX XXXX Account # XXXX and have no contractual agreement with them. 

Their reporting of this debt is unauthorized and unfounded. 

Unauthorized Entry on Credit Report : XXXX XXXX Account # XXXX added this account to my credit report without my consent, violating my right to privacy and the provisions of the FCRA that require accurate and fair reporting of credit information. 

Impact : The actions of XXXX XXXX Account # XXXX have significantly damaged my credit score, leading to potential denials of credit, increased interest rates, and other financial hardships. Their failure to comply with the FCRA has also caused emotional distress and financial instability.
Product: Credit card

Barclay bank is reporting an account on my XXXX credit report that does n't not belong to me. The account number is listed as XXXX. I previously disputed this with the credit bureau, and it came back as verified. However, this account does not belong to me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under The fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting u reliable responses and failing to adequately notify consumers of disputes outcome.These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I have provided causing ongoing harm to my credit standing .I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my right as a consumer
Product: Mortgage

I FILED A COMPLAINT WITH CFPB NUMBER XXXX REGARDING WELLS FARGO BANK, WE HAD BEEN COMMUNICATION OVER THE PAST YEAR REGARDING AN INSURANCE CLAIM REIMBURSEMENT. ON XX/XX/2018 I  COMMUNICATED WITH XXXX XXXX, XXXX XXXX ON A RECORDED LINE THE ABOVE NAMED REPRESENTATIVE OF WELL FARGO DID EXPRESS TO ME THAT HE COULD NOT UNDERSTAND WHY XXXX XXXX OF WELLS FARGO ALSO WOULD INDICATE THAT I WAS NOT A " PERSON OF SUCESSION '' WHEN IT WAS RIGHT THERE IN THE FILE ( THIS IS AVAILABLE SHOULD YOU DESIRE THIS RECORDED CONVERSATION ). ABOUT AN HOUR OR SO LATER I RECIEVED A SECURED EMAIL FROM XXXX XXXX ADVISING ME THAT I WAS NO LONGER " A PERSON IN SUCESSION '' AND THEY COULD NO LONGER DISCUSS ANY MATTERS WITH ME UNDER THE FAIR DEBT AFTER 3 CALLS TO MR. XXXX AND NUMERIOUS E MAILS REQUESTING A FOLLOW UP OR HIS SUPERVISORS NAME NO COMMUNICATION HAS BEEN RECIEVED. YOU ALSO CLOSED THE ABOUT CITED CASE XXXX AS THEY INDICATED THAT I WAS NO LONGER A PERSON OF SUCESSION. HOW AFTER OVER A YEAR PLUS OF INTERACTION WITH ME HAVING ME ENDORSE CHECKS FOR THE ESTATE, ENDORSE CHECKS FOR THE CONTRACTOR AND ENTER INTO CONTRACTS WITH THE CONTRACTOR, ALL SUMMITED WITH XXXX SHOULD YOU NEED TO REFERENCE ANY OF THIS MATERIAL. 
WE WOULD LIKE THE {$5700.00} RELEASED TO THE CONTRACTOR OR A CONTINUED DISCUSSION ON WHAT WELLS FARGO WOULD REQUIRE TO RELEASE SUCH FUNDS. LOOKING FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a rental write off with XXXX XXXXXXXX XXXX - XXXX XXXX in XXXX FL. I have tried numerous times over the last 30 days to make contact to PAY THIS DEBT OFF. No one wants to help. No one can find this debt. No one calls back. I spoke to XXXX XXXX who first said the debt is with XXXX XXXX XXXX, they then said its with TransWorld who also said they can not find any information on my situation. The debt shows on my report when I apply for apartments or rental homes, but no one lets me pay for it no one knows where or what it is. I need this to be fixed ASAP either information to PAY IT OFF or a letter of Release.
Product: Debt collection

I am in no way, shape or form related to the debt trying to be collected. Yet the debt collection service, Westside Recovery Services LLC, and its agent XXXX XXXX, continue to harass my home, my family, and me by sending letters for a person I do not know to our address. Westside Recovery Services LLC, and its agent XXXX XXXX once again sent a letter on XXXX XX/XX/XXXX requesting debt response on Account # XXXX in the amount of {$760.00}. I have informed XXXX XXXX XXXX XXXX this does not relate to us nor do we wish to receive a stranger 's medical information which XXXX XXXX continues to share with us. XXXX XXXX has ignored our requests to not receive a XXXX XXXX XXXX information and not be associated with issues that do not concern us. We have lived here since XXXX. No such person has lived here nor do we know the person who purportedly owes this debt. Westside Recovery Services LLC and its agent, XXXX XXXX, has failed to verify the address of the person they seek, has failed to corroborate the address information with is completely incorrect, has failed to correct their action regarding our address, has failed to cease and desist from continuing in their erros, and repeatedly harassers us for something totally unrelated to us. It is unprofessional, misdirected, and a serious case of un professional misconduct, unethical behavior, and a case for consequence. XXXX XXXX XXXX XXXXt, XXXX XXXX XXXX XXXX XXXX are funding, sponsoring, and supporting this harassment. It must stop.
Product: Payday loan, title loan, personal loan, or advance loan

I opened a credit builder account with self credit builder and I have made all my payments completely including the unexpected fees and after making those payments they started requesting documents upon documents and refused to payout my loan payments as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy. 

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiples disputes regarding information Transunion has wrongfully reported on my consumer report. It has been more than 30 days and have yet to receive any response or update. Please find the documents attached as I have taken the necessary steps advised to fix this urgent issue.
Product: Credit card or prepaid card

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sun Trust bank placed a late payment on my report in on XX/XX/19. I called the company several times to have it corrected but it remains after the company said it would make this correction. Sun Trust changed the status to " Improved Account '' after I paid the outstanding balance but never eliminated it from my credit report with all agencies. They refunded me the amount I sent which I took to mean they acknowledged their mistake but to date the late payment remains. I want it removed because it is the only late payment on my report and I want my status to return to EXCELLENT. 

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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, AMERICREDIT add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the debt. And Bank of AmericaXXXX XXXX XXXX has failed to validate the debt. They are still reporting the debt.
Product: Credit card

I was approved for a new XXXX card through Wells Fargo on XX/XX/year>. Recieved email stating I was approved, my INSTANT limit and my limit once I confirm my card has arrived in the mail. Also in same email, stating I can use instantly by downloading app and using my digital wallet. Following those instructions, I need to call the bank for them to verify its me, in doing so, they tell me I am able to use card until I receive the plastic in the mail. I recieved a false document stating my instant credit limit that I can't use.
Product: Credit reporting

I went to AnnualCreditReport.com to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " XXXX '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return XXXX. address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I did a review of my recent credit report my student loan service XXXX is the absolute worse. I noticed and read they have my XXXX loans in various different amounts as open on all three on my credit reports. My XXXX loans were under XXXX XXXX which I was awarded public service loan forgiveness due to the required payments I had 4 loans forgiven Loan Sequence as follows s # XXXX {$1400.00} forgiven # XXXX {$2700.00} forgiven # XXXX {$2100.00} forgiven # XXXX {$3300.00} Only my graduate loans should be listed not the old ones. 
My account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to TransUnion a verified asking them to verify the validity of a bankruptcy they are reported on my credit file they then responded to me with a letter stating that it was verified through XXXX. Then I went directly to XXXX to dispute the item in question XXXX came back to me saying they could not verify the items in it was deleted from their database on XX/XX/2021. 

I then went back to TransUnion on XX/XX/2021, showing them that the bankruptcy was deleted from the XXXX profile. Informing them if they can not provide the source of verification that this bankruptcy needs to be deleted from my credit profile immediately as it is defaming my character. TransUnion XXXX responded to me that the bankruptcy was verified through the bankruptcy court I also provided to them on XX/XX/XXXX as well as XXXX and XX/XX/2021, that the bankruptcy court provided me a letter on XXXX the XXXX 2021, stating that they do not provide verification of bankruptcies to any credit bureaus. Credit bureaus are responsible for verifying bankruptcy through third-party agencies in the third-party agency that TransUnion indicated that this bankruptcy was verified with XXXX  who was unable to verify this allege bankruptcy as accurate information in removed from my profile as accurate information. According to the FCRA the credit bureaus must report accurate verified information in this information is not accurate nor is it verified, and they are refusing to delete this information, TransUnion is out of compliance with by law and this is affecting my credit profile. 

This item needs to be deleted from my credit profile immediately within the next 30 days. 

XXXX XXXX XXXX : XXXX
Product: Credit card or prepaid card

I had a secured credit union with Naval federal credit union and I closed the account and the XXXX dollars that I put up against it was not returned to me and they have not furnish the proof to me that it was and I contacted them and they are doing nothing about it and I drove over one hour to the branch and I was told there that they dont see were it was returned to me
Product: Credit reporting or other personal consumer reports

This debt was consolidated in XXXX, after XXXX the previous processor was found guilty of fraudulent activities in XXXX. It my understanding this debt is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, all of these charged off & paid in full accounts should be removed from all credit reporting agencies under 15 U.S. Code 1681. 

Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including Experian, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99.

Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. As a result of this violation, the accuracy of this report is in question. Please review spelling of names on original loans before consolidation for Inaccurate Reporting. There are over ten different names associated with my credit report. At least five are inaccurately spelled but the credit report, seemingly on purpose, doesn't show which accounts these incorrect names are associated with.

Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app block inc cash app failed to keep my account protected the disputes was unsuccessful they did not comply with error thousands of dollars have been transferred out my account and nothing has been done terrible service terrible company these actions caused significant inconvenience and financial loss after loss and I seek appropriate redress for these violations
Product: Debt collection

CREDENCE RESOURCE MANAGE has reported this account as a collection debt sine XX/XX/year>. Ive repeatedly sent requests to have this fraudulent debt removed from my credit report and they continue to report it. It has harmed my credit continuously for years and they keep calling and harassing me. This needs to cease immediately and the debt removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2029 I a settlement on a debt was agreed on by Southwest Credit Systems and myself. The amount that was due was {$1100.00} and we settled for {$630.00}. I asked them would they remove my debt from the credit report which they said yes. Once I made the payment they informed me that a letter would be sent to me stating that I no longer was in debt to this company and that a settlement was made. I once again asked them would it be removed from my credit and they said yes but it would be 10 to 15 days. 

A few days after XX/XX/XXXX, I called them and someone told me that once I received the letter that I could send it to the credit bureau to be removed faster. 

Since then I have called several more times to delete my debt to Southwest or report the correct information to the credit bureaus so my credit can be cleared but they refuse. 

This has caused me many problems in moving forward with my life.