23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 I paid off one account I had with this company. There were two accounts they had in my name that owed over XXXX dollars. On XX/XX/2023 I was notified from their managers email that one of the debts were false so it would be taken off my report. Ever since XX/XX/XXXX I have not been able to get in contact with the manager and the false report has not been removed from my account. When I call the procollect number the associates are very rude and only answer my questions with you have to email the manager I just want an answer as to when this will be removed or if it even will.
Product: Credit reporting or other personal consumer reports

I HAVE FILED A DISPUIT TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION REPORTS. 
15 u.s. code 1681b- permissible purposes of consumer reports.

This is a violation of 15 U.S code 1681i ( 5 ( removal of inaccurate/invalidated credit information. please remove immediately. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account XXXX XXXX  Account XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I sent disputes letters to XXXX, TransUnion, and XXXX. Theres several inaccurate account on all three credit bureaus which I sent on XX/XX/year> Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of of the consumer of who relates I asked the account to be updated, and corrected
Product: Credit reporting or other personal consumer reports

Equifax recently reinstated a fraudulent account ( CXXXX  XXXX XXXX XXXXXXXX XXXX XXXX ) I disputed on XX/XX/XXXX, which I had requested to be blocked and deleted from my consumer report, without notice or providing a method of verification, as required under FCRA 611 ( 15 U.S.C. 1681i ). On XX/XX/XXXX, I spoke with a supervisor named XXXX ( Employee ID : XXXX ), who refused to provide me with a reference or case number and was extremely uncooperative. I am formally submitting a complaint against him and against Equifax for failing to comply with FCRA 611 ( 15 U.S.C. 1681i ). After this call, I spoke with XXXX regarding Case & Complaint # XXXX ; while she was slightly more cooperative, she incorrectly stated that the documents I provided on XX/XX/XXXX, were invalid because they lacked my Social Security number, despite my Social Security number being attached to Case # XXXX. From my experience, many Equifax supervisors seem incompetent and lack sufficient knowledge of their responsibilities. I have disputed several fraudulent accounts and provided Equifax with all necessary documentation, including a valid identity theft affidavit, proof of address, social and a government-issued ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 USC 1681 Section 602 A 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 an account without my written instruction.

Other FCRA laws I have found to be violated : 15 USC 1681e ( b ) 15 USC 1692c 15 USC 1692j 15 USC 1681a ( 2 ) ( b ) 2021 IRS Publication 4681 15 USC 1666b 15 USC 1681a ( 2 ) ( a ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .Experian and XXXX keep reporting my information as updated with the same errors.XXXX also updated my account saying I paid {$2.00} which was not true.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute an inaccurate item being reported on my credit file. Navy Federal Credit Union has written off a debt amounting to over {$4000.00} on their tax return but is still reporting it as a balance due on my credit report. Additionally, I have not received a XXXX form for this debt cancellation, which is a required IRS documentation in such cases.

Under the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate, complete, and verifiable. If the debt has been forgiven or written off on your tax return, then it should no longer appear as an outstanding balance on my credit report. The continued reporting of this balance is misleading and negatively impacting my credit profile. 

I request the following actions be taken immediately : Remove the balance from my credit report as it has been written off. 

Provide me with the necessary XXXX form if applicable. 

Confirm, in writing, the correction of this error within 30 days. 

I have attached copies of my credit report highlighting the disputed item and any other supporting documentation. If Navy Federal fails to correct this issue, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Please address this matter promptly and confirm receipt of my dispute. I appreciate your cooperation in resolving this issue. 

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

Please be advised this is my last and final attempt to correct these inaccuracies any response except for removal of this account will force me to pursue legal action. 12 U.S. Code 5561 ( 5 ) VIOLATION. 
I am exercising my right under the Fair Credit Reporting Act, 12 U.S. Code 5561 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. XXXX XXXX XXXX XXXXXXXX XXXX Equifax account XXXX : XXXX, XXXX Account Number : # XXXX, XXXX Account Number : # XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 
Your attached email stating that you Equifax and XXXX XXXX XXXX XXXX  made changes to this account provides proof or Act and Omission it also provides proof that you made false statements. 
It is illegal for a business to make statements that are incorrect or likely to create a false impression. This includes advertisements or statements in any media ( print, radio, television, social media and online ) or on product packaging, and any statement made by a person representing your business. 
-Willful Noncompliance : there are inconsistencies in the account number reporting that may lead entities to assume that there are more that one account with XXXX XXXX XXXX XXXX XXXX

15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of Violations : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 12 U.S. Code 5561 XXXX. XXXX XXXX XXXX  XXXX 15 U.S. Code 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/2012 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

NON- MAILABLE ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE
Product: Mortgage

My load had been in the Forbearance Suspension. I had missed a few payments but resumed with payments during this time. The suspension ended XX/XX/XXXX ; however, Wells Fargo had been pushing me to do a COVID relief loan for the amount owed even after I told them I was not interested in workout options. I told they I wanted to pay my balance on XX/XX/XXXX and it took them until XXXX to remove my file from their Home Preservation team. In the interim several payments had been made include a payment of {$15000.00} made on XX/XX/XXXX, which set on my account for two weeks unapplied. As of my recent statement there still appears to have unapplied payments. My outstanding balance at the time the {$15000.00} payment was made was {$220000.00}. This payment should have brought my balance to {$200000.00}. In a letter dated XX/XX/XXXX, they said I owed, {$17000.00}. I also noticed property taxes had been paid but I don't think it was paid from the Escrow account as it should be. I do not feel Wells Fargo has applied my payments correctly and now saying I still owe {$5600.00} when I paid $ XXXX of the $ XXXX they said I owed to bring my account current and now wanting to accelerate my loan to foreclosure requesting this amount be paid by XX/XX/XXXX. I want a full ledger of my account. I would also like to receive a ledger of the custodian accounts ( T & I ) and Escrow accounts to be reviewed by my personal attorney.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate i dont know how in the XXXX can you guys report inaccuratethis XXXX needs to be removed asap And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX Delete accounts inaccurate and incorrect. 
Its violation of my rights and laws present this will result in violation 15 USC of 16811.15 USC 1681s2. 15 USC 168115. 15 USC 168eb. Delete ACCOUNT
Product: Consumer Loan

I have received XXXX phone calls from Exeter Finance Corp on my cell phone. I am not the loan consumer, and I did not provide them with my cell phone number, nor did I give them permission to contact me at all, or on my cell phone regarding this account. This is apparently an account for my brother 's loan. When they contacted me the first time, a couple of months ago, I expressly told them that I have nothing to do with his account, and I demanded that they remove my phone number from their system, and make no further contact with me. I specifically requested a supervisor to whom to provide this instruction, and was transferred to a person whom I was told was a supervisor. This person assured me that my number would be removed from their system. During this phone call, enough information was provided by the representative that I was able to determine that they were attempting to contact my brother regarding a past due payment. This information should not have been provided to me at all, because I am in no way involved with the account. 
On XXXX XXXX, 2015 at XXXX, I again received a call from XXXX, and the caller left a voicemail requesting that I return their call regarding an account. When I called back, my call was answered by XXXX. XXXX transferred my call to a supervisor at my request. My call was transferred to a XXXX, who advised me that he was a supervisor. I explained to him that they were calling me again without my permission, and after I expressly told them not to contact me in the future. I advised XXXX that I would be filing a complaint against them for improperly contacting me on my cell phone, and also, if possible for an FDCPA violation, because I am not a part of the account in question, yet they provided information I was not entitled to have during the phone calls. My cell phone number that they have called is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a balance on my account that should not be there. I have paid this account in full and it needs to be deleted off of my credit report or fixed to show a XXXX  balance.
Product: Mortgage

On XX/XX/year>, we paid off our XXXX, which is serviced through Shellpoint. The account activity has been cryptic and difficult to understand since we started with them. Even after paying off the loan, there were constant adjustments that made it seem like our payments werent applied correctly. In XXXX, we made a payment. {$3200.00} was applied to an unapplied account bucket. It was not applied to principal. I called and asked an agent to correct. They said they would. However {$55.00} remained in the unapplied account bucket. After requesting a check for {$55.00} amount, I received a set of checks. Both XXXX  XXXX XXXX and XXXX XXXX rejected them, even when we had no balance on the HELOC. 

I requested another check around XXXX, but it never arrived. When I followed up, I was told an XXXX credit would be processed by XX/XX/year>, but that also didnt happen. Upon further inquiry, the agent insisted I owed {$55.00}, despite my XXXX statement showing no balance and a credit for {$55.00}. I escalated the issue to a supervisor, XXXX XXXX, who spent about XXXX minutes researching while I was on hold. She said they would look into it, but when I asked how I would know anything would be done, she could only reiterate that she would investigate. 

I find the organizations practices confusing and potentially fraudulent, leading me to believe I may be unfairly charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is 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 following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting that I have several delinquent accounts. I received a letter from XXXX  during the month of XXXX when I decided to purchase a new vehicle. One of the reasons for denial was too many delinquent accounts. My credit is in good standing and all bills are paid on time. When I spoke with the representative all she could tell me is not to worry about it. I am not going to sit around and not worry about it. This is my credit and the only credit reporting agency XXXX  included in their letter were statements about my credit provided by Equifax. I would like the correct information put in my credit report. There is np proof of any accounts being delinquent. They also have an older page on line when my score was in the XXXX. My score is now XXXX and above. I am very displeased with their services. This is people 's lives they're playing with and they need to submit truthful, not unethical information concerning folks credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Waypoint Resource Group #XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt
Product: Credit card or prepaid card

I opened the account in XXXX of XXXX. The first time i used the account was in XX/XX/XXXX. The purchase was {$110.00}. I never received a bill. In XX/XX/XXXX the bill finally came only it had increased to {$340.00}. I called the company and they agreed that I pay the XXXX plus XXXX in interest. I did. In XXXX I received a billl for more interest. I called again. They told me they removed it. In XXXX I received another bill with more interest. I called again feeling it was resolved. In XXXX the same thing and in XXXX I told them to cancel the account. It is now XXXX. I have received another bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested that Transition investigate the XXXX XXXX account ( account number:XXXX ) that is reporting on my credit report. According to the results I received from Transunion and my Transunion credit report the account was last updated XX/XX/XXXX. This means that Transunion has never conducted an investigation when I disputed the account. On XX/XX/XXXX I sent another letter to Transunion about them not investigating this account when I requested and demanded them to delete it for failure to complete an investigation according to the FCRA guidelines, they still didn't delete the account or investigate. 

This a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XX/XX/year>, XXXX 2023 AND XX/XX/year> 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 XXXX  days before the payment due date. 


XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Debt collection

Hello, This is ridiculous and inhumane PRA! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.