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

Subject : Request for Immediate Removal of Inaccurate Information on Credit Report Dear CFPB, I recently reviewed a copy of my credit report and discovered multiple inaccuracies, including addresses and names that are not associated with me. I have no connection to these details and am uncertain as to how they appeared on my report. I am formally requesting that you investigate and remove all incorrect information from my consumer report within four ( 4 ) business days of receiving this correspondence. 

The following details need to be reviewed and corrected : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX. XXXX XXXX XXXX XXXX XXXX, Fl, XXXX. XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX. XXXX XXXX XXXX XXXX XXXX, Fl, XXXX. Equifax : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX. XXXX XXXX XXXX XXXX XXXX, Fl, XXXX
Product: Debt collection

Credit Resource Management is reporting a collection that doesn't belong to me to XXXX and XXXX. I have disputed the collection with XXXX and XXXX and both credit bureaus have failed to provide evidence about this account or to remove this account from my credit report. My initial dispute was on XX/XX/2023, nothing has changed and the collection remains in my credit report.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail XX/XX/XXXX or XXXX about my information being compromised by evolve bank, Experian, XXXX XXXX and XXXX and I was also for 10 years with all three credit bureaus I always been denied credit and was told its my XXXX XXXX when by law thats consumer fraud .it is also XXXX discrimination played in some of these credit bureaus and Im a native to this USA nation by law you are not supposed to be denied credit when its being pulled out or your social security number which according to common law in the USA its considered as a credit card and theres no reason why these companies are selling or trusting random people with mine and other people information. I have a credit freeze on the accounts and contacted the credit bureaus and told them my information was compromised in a data breach and I had to dispute the information online and on the phone to still have some false information added to my account that Im being told I have pay when by law I dont owe anything and once my information was compromised Im supposed to have my information removed and clears from the damage from the data breach.in this situation I deserve justice and respect and compensation due to this unjust situation.
Product: Mortgage

This is an update to my complaint previously submitted. Seterus refuses to send me monthly mortgage statements. It is the law that the servicer must send me monthly mortgage statements. They refuse. Attached is a letter stating they are sending me payment coupons. Sorry, this is not in compliance with the law. I do not care what their policy is, send me the monthly statement! I have a right to know how my money is being applied to the loan and whether it is being done correctly. I have a right to see the impound account and what is being paid out on this loan, along with itemization on the loan balance I do not want a coupon book where the service company is not showing what is going on with this loan. Comply with the law!!! Send me the monthly statements, not a coupon book.
Product: Credit card or prepaid card

I signed up for Capital One Savor one credit card and spent the required amount within the required period. I did not receive the {$200.00} promised. Numerous attempts to get the money have failed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these are all fraudulent accounts and I need them deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have settled an account with collection agency XXXX XXXX and they agreed to delete the account once it 's paid. The account was deleted on XXXX XXXX 2017 and experian re inserted the collection account by XXXX XXXX, 2017 without giving my 5 days notice as it is my right to be notified if an account is being re inserted and I called and sent in proof the account was paid and removed and re inserted I disputed with experian and XXXX sent me proof they sent to experian to remove the negative trade line and still experian still has n't removed the negative account
Product: Bank account or service

Hello, On XXXX XXXX, 2016 I had approximately {$9.00} in my checking account. On XXXX XXXX an overdraft fee of {$36.00} dollars was charged to my account. On XXXX XXXX there was a scheduled insurance payment to come out of my account to the tune of {$140.00}, this draft did not come out of my account on XXXX XXXX but instead came out on XXXX XXXX when my direct deposit came in.On XXXX XXXX I had a direct deposit of {$720.00} come in at or around XXXX. The bank processed the automatic draft first and than the direct deposit credit after resulting in an overdraft fee. When I went to talk to the bank about this they denied me a refund for the overdraft fee and recommended that I better manage my finances and bill payments. I would recommend that they process the credits to my accounts first before the debits to avoid unnecessary fees. We are a hard working family of XXXX and do our best to make ends meet and can not afford {$36.00} this month due to bills. Any help in this matter will be greatly appreciated and we thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 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, credit repair services, or other personal consumer reports

The Credit Bureaus stated ( XXXX XXXX Account number:XXXX ) ( XXXX XXXX Account numberXXXX ) ( XXXX Account number XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX XXXX, was properly investigated but how is that possible if the open date in inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 15. U.S.C 1681 section 604 A section : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I Have not given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a few homes and was rejected. I contacted the home owners and they said I had a felony on my report and I do not. I called experian which was the company that claimed I do. I filed a case with them and nothing has been done. Not even contacting me. Its been over one and a half months and Im very upset and concerned. Were not able to find a decent place to live due to this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity ftc report because I found inaccurate accounts on my credit report and nobody has helped me.
Product: Debt collection

I entered a credit consumer transaction on XX/XX/XXXX with XXXX XXXX XXXX XXXX ACCT ENDING IN : XXXX and XXXX XXXX XXXX XXXX ACC ENDING IN :XXXX. My accounts has been closed since XXXX of XXXX due to me losing my job. I received a letter from TRANSWORLD SYSTEM INC. on XX/XX/XXXX stating that I have to pay a total of {$2400.00} for both accounts. {$1800.00} for the XXXX XXXX XXXX XXXX and {$550.00} for the XXXX XXXX XXXX XXXX. I called XXXX XXXX XX/XX/XXXX to understand why I am unable to make a payment and I was told by XXXX XXXX that my closed accounts has been ( Transferred, Outsourced and SOLD ) to TRANSWORLD SYSTEMS INC with out my authorization. 
( 15 USC 1681c-1 ) ( 15 USC 1681p ) ( 15 USC 1681q-3 ) defines fraud & Identity Theft. Transworld Inc has been contacting me on behalf of XXXX XXXX when originally I did not sign an contract with this company. I've asked XXXX XXXX to remove this from my credit report due to my accounts being closed and sold to TRANSWORLD SYSTEMS INC a 3rd party credit company due to it effecting my way of life and I was told that XXXX XXXX is not authorized to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Product: Credit reporting or other personal consumer reports

I am a Victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have fraudulent inquiries on my credit profile that need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXX XXXX, Way2Go card-commerica bank, XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXX-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name
Product: Checking or savings account

On XXXX XXXX I attempted to place an online grocery order with XXXX when there was an error and a hold placed on my card for {$160.00} but the order/transaction was never processed when I went to try again with the correct time it said I had insufficient funds. I contacted both parties immediately. On Friday XX/XX/XXXX at XXXX a member of XXXX escalation team, XXXX released the hold for the funds of {$160.00}. I informed Current through chat and have been in contact with both entities multiple times. Current refuses to listen or escalate the issue. When I ask for a supervisor they refuse. They have apparently been telling customers for months that their phone lines are down. Current bank has told me they do not have my funds and to get a refund from XXXX. I have confirmed multiple times that there is no hold be XXXX nor an order to refund since it didnt go through. XXXX escalated me several times for this matter. I had to track down Current Banks issuing lender, XXXX XXXX at XXXX am today XX/XX/22, and call their customer service. The lady was kind enough to transfer my call to the current employee live where I was told two conflicting reasons, refused again to have any sort of escalation or help of any kind. I have multiple chat logs with both as well as calls back and forth with XXXX. I trust XXXX when they tell me they do not have my funds. I do not trust a bank that doesnt even allow customer calls had I known that I would never have joined Current bank. I dont want anyone else to have to go through this nightmare.
Product: Debt collection

In XXXX, I opened a XXXX account which was my first phone contract. There was an amount of {$450.00} that went to collection which I paid on XX/XX/XXXX. On XX/XX/XXXX I printed my credit report and I seen XXXX XXXX XXXX on my report for tmobile. I called the number for XXXX XXXX XXXX, I was unable to reach a person so I called XXXX and they could not give me an idea why this collection is still on my report. They transferred me to the collection company which is not the company that is listed on my report, they said they have not received my payment and for me to call XXXX back to let them know. When I spoke to the customer service representative from XXXX  again she told me that I only paid {$190.00} out of the {$450.00} and that the balance was {$250.00} and also that the account went to 3 different collection companies. On my report, it says that the account is paid in full with the collection company.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 

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

Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, and other Metro 2 Compliance requirements, parroting an e-Oscar system does not constitute a due diligent investigative effort. For instance, to no avail, I have made repeated requests to receive a description of the procedure used ( or documents used ) to determine the accuracy and completeness of adverse trade lines and collection items. This request obligates credit reporting agencies to provide consumers with the business name and address ( of any debt furnisher -- serviced in connection with collection information ) ; and, the telephone number of the debt furnisher. 

Still, if an account or trade line is modified ( with updated balance information ; i.e., validated ) or deleted, carbon copies are required to be sent to each credit reporting agency ( with whom the debt furnisher has a reporting relationship ). Again, because there is no evidence of Metro 2 Compliance ; i.e., viewable carbon copies, I request the above errant trade lines removed. Currently, as noted, this credit reporting agency is in violation of the letter and spirit of the following statute : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall provide to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if available. 

Finally, an itemized list of charges, fees and etc ... does not prove or offer evidence of a debt. Regarding the above-alleged trade lines and collections, to prove debt and consumer reporting agencies ' findings, I formally request evidence of my wet signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

Venmo credit card has been reducing my credit limit without warning and greatly affecting my credit score. I went to use it and found that I only had about XXXX above my limit left because they had dropped it by about half. They have since dropped it by XXXX dollars twice so far. The only reason I receive is that they are monitoring my credit and theyve sent letters or links which I cant find record of. I have missed one payment maybe in XXXX, I even paid it down significantly ( XXXX dollars ) in XXXX of XXXX. My limit was cut in half in XX/XX/XXXX and every other month it looks like they lower it to within XXXX dollars of the new limit, my score gets hit by XXXX points. Im afraid to pay it off fully because of whats been done to my score thus far.
Product: Credit reporting

XXXX is reporting the account is closed. The reason the account is closed is I met the full requirements of the loan and paid it in full. I would like the credit report to reflect paid in full.
Product: Bank account or service

I wrote checks from XX/XX/XXXX-XX/XX/XXXX to a person from my Wells Fargo checking account. The signature of the recipient was forged by multiple people, and the funds were released from my account. Several of the checks were not signed, but the funds were allowed to be withdrawn from my account anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS IGNORED ALL SUPPORTING XXXX XXXX DOCUMENTS I SENT WITH DISPUTE XX/XX/XXXX PROVING THEY ARE VIOLATING MY RIGHTS UNDER FCRA LAWS-EXPERIAN STATED ON XX/XX/XXXX XXXX XXXX IS THE SOURCE OF VERIFICATION AND THAT THE PUBLIC RECORD BK-XXXX WAS ACCURATE ON MY CREDIT FILE, I SENT THE DISPUTE XX/XX/XXXX TO EXPERIAN AND XXXX XXXX DOCUMENT STATING THEY DELETED BK-XXXX  FROM MY FILE XX/XX/XXXX IT IS ATTACHED IN THIS COMPLAINT TO CFPB ALONG WITH THE INDIANA ATTORNEY GENERAL COMPLAINT RESULTS DOCUMENT FROM XX/XX/XXXX SHOWING XXXX FOLLOWED THE FCRA LAWS AND REMOVED BK-XXXX  FROM MY FILE AND ALSO ATTACHED IN THIS COMPLAINT IS XXXX DOC SHOWING THEY DELETED THIS ITEM ALSO, EXPERIAN IGNORED SUPPORTING DOCS AND CONTINUES TO VIOLATE MY RIGHTS.
Product: Credit reporting or other personal consumer reports

After applying for a loan about a week ago, my bank ( wsfs ) generated my credit report from TransUnion and inquired about an account named XXXX XXXX XXXX that was put under collection which owed {$32000.00} in past due rent. This account was opened put under collection on XX/XX/XXXX and was used to pay for an apartment in Mississippi. I own a house in Pennsylvania since XXXX. I have been residing in it since XX/XX/XXXX and have been paying mortgage since then. I have no connection to Mississippi at all. I have never lived in Mississippi. I led a police report ( case number : XXXX  XXXX - XXXX ) regarding this issue on XX/XX/XXXX. I also led a complaint to the FTC Identity Theft Report ( FTC Report Number : XXXX ) regarding this issue on XX/XX/XXXX.
Product: Debt collection

THEY CALL EVERYDAY XXXX TIMES A DAY AND I TELL EVERY SINGLE XXXX OF THEM SAYS THEY WILL TAKE ME OFF THE LIST AND THEY DO NOT!!!! THIS IS UNACCEPTABLE! 

THEY ARE LOOKING FOR XXXX AND HE DOES N'T LIVE AT THIS NUMBER BECAUSE THIS NUMBER IS A XXXX, WHICH I 'VE ALSO SAID BEFORE. THIS DISRUPTS THE FLOW OF MY OFFICE AND IT MUST STOP. 

XXXX OF THEM ACCUSED ME OF LYING AND SAID THEY WERE GOING TO TAKE THIS XXXX GUY TO COURT IF HE DOES N'T COME TO THE PHONE ... WHAT?!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center po box XXXX XXXX, Texas XXXX Equifax Consumer Disputes Center XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, XXXX, Equifax ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, XXXX, Equifax ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED