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

I am writing to file a formal complaint against XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate and unverified information on my credit report. I have disputed the following items on my credit report with XXXX because I believe they are inaccurate and can not be verified. Despite my formal request for verification under Section 611 of the FCRA ( 15 U.S.C. 1681i ), XXXX has failed to provide adequate verification or delete the contested items. The disputed information includes : Creditor/Account Name : 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. In addition to contacting the credit bureaus directly, I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. My FTC report reference number is. This report outlines the same issues I am presenting here and supports my claims of unverified and inaccurate information on my credit report. On XX/XX/year>, I sent a formal dispute letter to XXXX, requesting verification of the items listed above. I provided copies of my credit report and supporting documentation, but I have not received a satisfactory resolution. The disputed items remain on my credit report despite the lack of proper verification. Given the continued presence of unverified and potentially inaccurate information on my credit report, I request that the CFPB take the following actions : Investigate the failure of XXXX to comply with the FCRA. Ensure that XXXX either verify the accuracy of the disputed items or promptly delete them from my credit report. Address any potential violations of my rights under the FCRA by XXXX. Please find attached the following documents to support my complaint : A copy of the FTC report XXXX .Any correspondence between myself and XXXX regarding this dispute I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights under the FCRA XXXX 
Sincerely, XXXX XXXX
Product: Debt collection

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. I have advised this company that this debt is not owed, however, they continue to place this on my credit report for the second time. I have shown proof of such, which was ignored. The address this company has on file for me is not mine and I've never lived there. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed incorrect reporting, which shows late, missing payments. This is NOT accurate at all. Every payment was issued on or prior due date. It must be updated as ON TIME PAID AS AGREED. Attached is a photo of my credit report.
Product: Debt collection

I sent Midland Credit Management , Inc a Debt validation letter, a Cease and desist, a credit/Debt collector decloration and a requested information letter. They did not send me anything back and when I have tried to call them about it they won't take it off of my credit report and they keep hanging up on me. Midland credit Management is going aginst the Fair Debt Collection practices Act, 15 USC 1692g. I sent all that paperwork on XX/XX/year>.
Product: Debt collection

CBE Group is attempting to collect a debt that has already been closed and consider satisfied. This debt was collected by XXXX  XXXX  by XXXX XXXX XXXX. XXXX  XXXX  was unable to support the debt with proof. I sent them a letter demanding proof of debt, and they could not provide it and closed the account out and removed it from my credit. So, the creditor sent the debt to a new collection agency and is trying again to collect the debt.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern regarding the presence of fraudulent items associated with my profile. I have recently become aware of the existence of these items and am deeply troubled by their presence. 

The fraudulent items in question include unauthorized transactions, false information, I have attached supporting documentation. 

I understand that your company takes matters of fraud seriously and is committed to maintaining the integrity of its services. However, the current situation has caused me significant distress, and I am seeking prompt and effective resolution to rectify this matter. 

I urgently request that the fraudulent items be removed from my profile at the earliest possible time to prevent further harm and safeguard my personal information. 

I request a thorough investigation into the origin and circumstances surrounding the fraudulent items. Understanding how this occurred is crucial to prevent future occurrences and to hold responsible parties accountable. 

Clear and timely communication throughout this process is essential. I request regular updates on the progress of the investigation and the steps being taken to address this matter. I am asking for your assistance to remove these fraud items : 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: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint againsXXXX XXXX XXXX XXXX. I've dealt with the XXXX people/employees anmed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , they all claimed to not work on commission. The people I dealt with told me that I'm making a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They offered gifts such as XXXX XXXX passes, 5-day stay in Hawaii which I never did get or able to use. I never received a copy of the application nor was I properly informed about the fees ; they never made me aware of it. I didn't know how to cancel, they never properly educated regarding cancellation, like how many days to cancel and such. Having this timeshare just gave me hardships, problems caused by this even make me lose sleep and its just extremely stressful for me. I had the worst experience with this timeshare, they won't let me use my points, can't book trips on birthdays, can't use the daily rate pricing ever. You have to forfeit your points if you don't roll over twice they told me once. I felt I was profiled, I'm young and I'm an XXXX XXXX. I was highly pressured with their sales tactics. They kept lying and dodging or simply just not answering questions honestly. I was led to believe I can book without using points whenever at the lower nightly rates, I tried multiple times and was never able to at the rates provided. I was never able to use points, it didn't even roll over as they said it would so I ended up losing all the points, and still expected to pay fees without points. I was simply defrauded, lied to and was taken advantage of.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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
Product: Student loan

Both XXXX and Aidvantage are contacting me over my student loan. Only XXXX of them services it as far as I know. I don't know if it's scammers or XXXX of the worst companies on the face of the planet fighting trying to claim the same scrap of meat. This may be unrelated but I have also received multiple calls from a private numbers that claim to be from " XXXX  XXXX '' trying to to get information from me. They have my name and some of my information which is weird for a poll so I assume it's some unscrupulous debt collector and the only debt that I can think of is my student loans.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1- XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
2- XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
3- XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
4- XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
5- XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 

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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( 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.
Product: Mortgage

My home mortgage was recently sold from XXXX to Mr. Cooper. In the past, the mortgage payment was always due on the first of the month with a 16 day grace period. I have always advance ( electronically ) payed my mortgage payment to be delivered on the XXXX of the month. With XXXX, I never received a late fee, as the payment was received during the grace period. As with all my electronic payments, the day my bank transfers the payment is the day the receiving institution credits my account. Except Mr. Cooper. Even though my bank transfers the payment on the XXXX, Mr. Cooper does not credit my account for 2 to 3 days later and subsequently assesses a late fee. To date, they have reversed the late fee each time, but my concern is that they are defrauding other customers by not crediting accounts the same day they receive payment. This appears to be a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau has failed to respond to my multiple requests requesting the verifiable proof provided to them by XXXX XXXX that the information they are reporting is correct. My correspondence with them on this account began on XX/XX/2019. When I sent a letter requesting verifiable proof. They have failed to respond or take any action to remedy this situation. Their error in reporting is causing me great financial harm.
Product: Credit reporting or other personal consumer reports

Missing information, account status shows delinquent accounts, payment history and payments made to this company are not correct. The account shows a history and late payments which belong to another mortgage company. 
The account history and payments made are deceptive and unlawful I never had an account until the date of XX/XX/year> its impossible to show any payment history prior to that date. 
The loan company is unfair and unethical to use payments made to another lender when account is disputed for errors.
Product: Credit card or prepaid card

I did not sign up for this card. You can see how it was never used. The amount they where charging was an annual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent disputes to Transunion regarding 6 inaccurate accounts on my credit report. I sent two letter on XX/XX/2021 and XX/XX/2021. I have not received any results in the time allowed. Below are the accounts I asked Transunion to delete from my credit report for inaccuracies : 1. XXXX, Account Number : XXXX 2. XXXX XXXX, Account Number:XXXX 3. XXXX XXXX, Account Number : XXXX 4. XXXX, Account Number : XXXX 5. XXXX XXXX, Account Number : XXXX 6. XXXX XXXX XXXX Account Number:XXXX 7. XXXX XXXX, Account Number : XXXX 8. XXXX XXXX XXXX, Account Number : XXXX 9. XXXX XXXX, Account Number : XXXX
Product: Debt collection

Recieved a copy of my XXXX Report and Noticed Inaccurate Information Regarding Fabco Reporting False Information From Original Creditor XXXX XXXX XXXX On XX/XX/2022. Under The Fair Credit Reporting Act FCRA Code XXXX Section XXXX States A Person Shall Not Furnish any Information Relating to a Consumer to any Consumer Reporting Agency if the Person Knows or Consciously avoids knowing that the Information is Inaccurate.In Which Pertaining to The Account XXXX Was Paid in Full By the Columbus Ohio Rental Assistance Program Via Application # XXXX onXX/XX/2022 and Application # XXXX onXX/XX/2022. All Association Needs to be Deleted From The Reporting Credit Bureaus and Files From Both Parties.
Product: Checking or savings account

On XX/XX/XXXX I wrote a check from my Wells Fargo checking account to pay my Wells Fargo Visa Card for {$XXXX}. On XX/XX/XXXX this said check cleared my account for the incorrect amount of {$33.00}. I called Wells Fargo to correct the problem and they were unable to do so. To avoid late fees, I paid {$XXXX} ( the difference ) online. On XX/XX/XXXX, Wells Fargo cleared the original check payment of {$XXXX} from my checking account after I requested on a recorded line to reject the transaction. The funds were removed from my Wells Fargo checking account without my permission on XX/XX/XXXX and the {$XXXX} credits were not posted to any other of my Wells Fargo accounts. In my lengthy conversation with Wells Fargo they claimed they can not locate and credit my account the {$XXXX} duplicated payment for at least 14 days. This is out right theft from Wells Fargo Bank. The only thing Wells Fargo offered me was to start an investigation and it will take 10 to 14 days to resolve. I will have no access to the {$XXXX} funds and I will not be compensated for interest while the funds are with Wells Fargo Bank. 

Can you start an investigation on Wells Fargo Bank so that I can recover my funds and prevent this from happening to other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$230.00}, XXXX  XXXX Balance : {$2300.00}
Product: Debt collection

The Pinnacle Asset Group is calling threatening to file with the irs for a debt that is 15 years old- they also went as far as to look up our other numbers and contacted my son to make the threat towards his father and I. This is harassment to the fullest. This company has been sued for this same issue there are also so many complaints.
Product: Credit reporting or other personal consumer reports

Theres false credit reporting on my report it was solved and then the same credit bureaus after removing it after months put it back on my report. Which has caused me harm
Product: Credit reporting or other personal consumer reports

My personal information was stolen in 2023, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked the company to investigate these inaccurate and incomplete for these accounts : XXXXL XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX, the date of last active is inaccurate, and the balances is inaccurate
Product: Credit card

Last summer my dog needed an expensive XXXX, so I opened a Care Credit account with Synchrony Bank to help pay for it. This was considered a 'promotional purchase, ' and if I paid off the entire balance by XX/XX/24 I wouldn't be charged interest fees. If I didn't pay it off by then, I'd be charged interest on the entire purchase. I also made XXXX additional 'promotional purchases ' at the vet later, one expires in XXXX, the other in XXXX. 

I made a {$520.00} payment in XXXX, paying off the first promotional purchase before the expiration date in XXXX, avoiding interest fees. I have screenshots of the account, showing the balance on that purchase was {$0.00}, and the status was PAID OFF. These screenshots are from the expiration date, XX/XX/24. If any further payments were required on that balance then they would have needed to tell me, so I could make the additional payments on time. But no, the balance clearly said {$0.00}, and the account status was PAID OFF. 

I logged into the account days later and saw that they transferred my payment from the balance that expired in XXXX to the balances that expire later. Now, since there is a balance on the purchase that expired in XXXX, I will be getting hit with interest fees. This is not right, as I paid off this purchase in time, and have proof that it was marked as PAID OFF. 

I sent customer service a message, providing them with the screenshots that prove I paid off the balance in time. I asked them to restore the status on that balance to PAID OFF. I also asked for an explanation of why they removed my payment from that balance. They did not fulfill either request. 

I am attaching the screenshots, which show that I paid off this balance in XXXX, and that my balance on the expiration date ( XX/XX/24 ) was {$0.00} and marked as PAID OFF. 

In summary : -My balance was due in XXXX, I paid it off in XXXX. 
-On the expiration date, the balance on this purchase was {$0.00}, and the status was PAID OFF. 
-Sometime later they removed the payment from this balance and changed the status. 
XXXX asked them to restore my status to PAID OFF and provide an explanation, they did not fulfill either request.
Product: Debt collection

I did not receive a card from this company, nor did I run up any charges that they claim. I should not be held liable for something I do not have, and did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to buy a house and the mortgage group notified me that one of the three bureaus they pulled my credit reports from was suspiciously low. Found multiple incorrect items reported on my report on Experian. Tried to resolve the issue in XXXX but Experian provided no assistance in the matter. The information on my account also has multiple instances of someone else 's information ( all of which is overdue ) on it who happens to have the same name and be from the same part of Tennessee as me. This is negatively effecting my life. I'm trying to get a personal auto loan and can not due to this bureau 's negligence in thoroughness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old medical bill that has been paid directly to the original creditor. This debt is still showing on my credit report even after disputing it, and showing proof of payment. I would like you to investigate this or else I will sue the credit reporting agencies for Libel.
Product: Checking or savings account

I have banked with chime since 2018 where I been getting direct deposits etc they closed my account without notice and told me i cant get my money back. I have a video recording