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

A fair solution is to delete the false inaccurate information of Bankruptcy # XXXX Immediately!! FCRA rule # XXXX!!!! 
15-USC-6802, 15-USC 1681A2B Good Day XXXX XXXX XXXX have contacted Transunion several XXXX XXXX!! I am demanding immediate deletion of this inaccurate information!!! I have demanded they remove this bankruptcy information!! Its either an error or a lie!! I have also contacted Nevada Bankruptcy court which stated verbatim!! They do not provide nor verify bankruptcy information!! Therefore according to FCRA Transunion is in direct violation : 15-USC 1681 , 15-USC 1681 ( section 602 ) A, 15-USC 1681 ( section 604 ) 15-USC 1681-C, I have contacted Nevada Bankruptcy Court who confirmed this is a record of direct violation of Transunion as they do not verify!! This is NOT my bankruptcy, Transunion illegally placed this on my consumer report!! XXXX XXXX also confirmed this is NOT my bankruptcy!! I repeat I am demanding that Transunion immediately delete Bankruptcy # XXXX!! and Bankruptcy # XXXX!! You cant even legally file that close together so its an error or a lie This is not my bankruptcy!!! Nevada Bankruptcy XXXX also stated they did not verify this to Transunion therefore this information is an error or a lie either way this is inaccurate information and I am demanding that Transunion immediately removes this off of my consumer report!! ASAP!!!! This inaccurate information does not comply with the FCRA and the information must be deleted immediately!! If this inaccurate bankruptcy is not immediately deleted off of my consumer/credit report I will contact my attorney as Transunion is in direct violation of reporting inaccurate information!! Transunion has my police report on file as well as my identity theft report from when my wallet was stolen and my information was compromised!! 
Police Report Number : XXXX I demand Transunion Credit Bureau delete this false inaccurate information immediately!!! 
XXXX XXXX Transunion File Number : XXXX Date Of Birth : XX/XX/year> Delete this inaccurate bankruptcy immediately!! Both of these are errors!!! 
# XXXX # XXXX According to FCRA guidelines this is a direct violation of Transunion and I have the right to a fair credit report!!
Product: Debt collection

Got a voicemail yesterday and my parents were called today " about a complaint ''. Call came from XXXX. Was told to call back XXXX. XXXX XXXX XXXX. Claims i have an overdrawn checking account with US bank. I have never had an account with US Bank. They have the last 4 of my social security number and my cell phone and my parents home phone number. He threatened me telling me they are taking me to court and I will have to pay it, if I don't agree to settle outside of court. Said his name was XXXX XXXX. This is shortly after I received a notification from experian about my social security number being found on the dark web.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to understand why my credit was again lowered, 2 years after what they thought was a missed lease closure payment ( it was settled 2 months later ). 
XXXX sent the correction at the time. But it was not recorded nor it brought to a raise back then. Now, 2 years later, it brought to one more hit on my credit score, which is costing me a higher mortgage refinancing rate proposed by my bank. 
My problem is even more general : the fact that I pay ( and paid for the last decades ) religiously, monthly bills for a total of more than {$5000.00} ( closer to XXXX these days ), does not map with the heavy score lowering for a few hundred bucks ( from the high 700 to the high 600 at the time, low 700 these days ). 
The impression ( and complaint ) is that there is a credit bureau and banking system credit scoring cartel, to artificially lower the purchasing power of the middle class. 
There are thousands of credit score algorithms, whose formulas are well hidden, but every single one of them gives an exorbitant importance to late payment, independently of its size.

From a logical point of view, this would push the cost of ( fewer ) large sums unpaid, on the ( larger number of ) small sums unpaid.

Nobody in the Credit Bureaus hierarchies ( I talked all the way up to a VP ) could explain any detail of the algorithm principles, as it's considered " automatic ''. 
But it's easy to reverse engineer the principles I delineated above. 
I have ( or can procure ) supporting documentation to prove payments and credit reports to show the impact, but I will provide it only upon request. 
Thank you and have a great day
Product: Money transfer, virtual currency, or money service

Our company transferred {$15000.00} to our Tradestation account on XX/XX/2021. We were told that we had an issue with our account due to a bounced back ACH 6 months ago. The transaction 6 months ago was a test of {$50.00} that Tradestation had the wrong account on our profile. Fast forward to months later. We were told on XX/XX/2021 that this issue was cleared up and we're authorized to trade. Today is XX/XX/2021 and now we are told we can not have access to our funds till XX/XX/2021. By the way we have called Tradestation every week day since weve made this transaction. So we have spoken to several different reps who has given us misleading information. We want our funds returned to us by XX/XX/2021. Otherwise cancel the account and give us our money. We can go somewhere else.
Product: Debt collection

A debt collection company, Eastern Revenue, submitted a direct consolidation loan application on my behalf without my knowledge. The provided incorrect information to the Department of Education about my employment status and set up an account with the Department of Education on my behalf that I do not have access to. Additionally, they entered me into a payment plan that I did not authorize or was aware of.
Product: Debt collection

Preferred Collection & Management have owing them {$160.00}, {$100.00} & {$53.00} respectively, supposedly for medical bills damaging my credit report file. I contacted them and explained that this account does not belong to me. I am a Veteran who is 100 % XXXX. The Department of Veteran Affairs ( VA ) pays 100 % of my Medical Bills & Medicine. 
However, still, On XX/XX/2019, I contacted XXXX XXXX XXXX XXXX, Billings at ( XXXX ) XXXX XXXX who told me that I owe nothing. I have a Balance of {$0.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the accuracy of the charge-off entries on my credit reports associated with my XXXX XXXX XXXX XXXX XXXX XXXX specifically Account Number XXXX and Account Number XXXX. I request that you investigate these entries in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure their accuracy and compliance with federal law. 

The FCRA, a federal statute that governs the reporting of credit information by consumer reporting agencies and furnishers of information, outlines several key provisions that are relevant to this dispute : 1. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA requires furnishers of information, such as XXXX XXXX XXXX XXXX XXXX to provide accurate and complete information to credit reporting agencies. I believe that the charge-off entries on my credit reports may contain inaccuracies.

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA also imposes a duty on furnishers to correct and update inaccurate information promptly. If the charge-off entries are found to be inaccurate, I request that you correct these entries with all credit reporting agencies that have received this information.

3. **Investigation of Disputes ( Section 611 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I am formally disputing the charge-off entries on my accounts, and I request that you investigate the accuracy of these entries.

4. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA further stipulates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I kindly request that you adhere to this time frame when conducting your investigation. 

I expect XXXX XXXX XXXX XXXX to undertake a thorough and diligent investigation into the charge-off entries on Account Number XXXX and Account Number XXXX. Please provide a detailed written response to me within the time frame required by the FCRA, summarizing the results of your investigation and any actions taken to correct any inaccuracies. 

If you are unable to verify the accuracy of these charge-off entries, I request that they be removed from my credit reports as required by the FCRA. 

I look forward to your prompt attention to this matter and the resolution of this dispute within the stipulated time frame. Please be advised that if these matters are not resolved in accordance with the FCRA, I may pursue legal remedies available under federal law. 

Sincerely, XXXX XXXX
Product: Debt collection

They keep calling outlets not relative to where I reside or would be able to have communication. There is no reason any one other than myself should be contacted regarding my finances or financial situation.
Product: Checking or savings account

I Was trying to complete a Venmo transaction over the phone with a representative named XXXX from Venmo and while he was trying to help me complete the transaction, I told him beforehand that I did not have the money the {$400.00} to pay back before the payment was received now although they said that this is to protect the buyer and make sure he got his money back I told him that I did not have the funds to give back to the buyer before the money was received, when he went through with the transaction, even though I told him this information, I repeated it to him and told him that I had previously already said I did not have the funds to refund it first thats the whole reason why I was selling the item in the first place and instead of helping me completely or refunding the payment completely he hung up in my face and then refuse to answer the phone number that I had called from. This morning I proceeded to call that same number back thinking that I was going to speak with a different representative and it ended up being XXXX again and when I presented the situation back to him, Im assuming he recognized the situation and he sat on the phone quietly for at least four minutes as I was saying hello into the phone where he then hung up in my face again all we want was either to refund the money or complete the transaction the man stated several times that he trusted me to send the XXXX back after the full XXXX was sent. I was going to send it after I received the full payment of the {$700.00} because I dont have I didnt have The XXXX on my card before the {$700.00} payment so now the {$700.00} are stuck in the system and neither one of us is able to receive the money because we are unable to get help from a representative besides XXXX who continuously hangs up in our face every time we need the help.
Product: Debt collection

Medical Data Systems is seeking to collect, and has posted on my credit report {$140.00} from XXXX XXXX XXXX XXXX for a debt I do not owe. I have made multiple attempts to rectify the information with Medical Data Systems including requesting verification of the debt. They have not provided me with any information. 

I called them 3 weeks ago to report the incorrect posting to my credit report, and they told me they would investigate and respond to me within 2 weeks. No response was ever received. I sent an email to them after the 2 weeks requesting that they update me on the status of my dispute, and provide validation of the debt. No update or validation has been provided to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Well Fargo was my mortgage company for a few years back XXXX - XXXX Wells Fargo sold to another bank - I believe XXXX Mortgage. 

I was told by my XXXX Lawyer told that I have a second mortgage from Wells Fargo which I was not aware of ..... I just filed bankruptcy XXXX. 


I still have my tax documents from Wells Fargo XXXX. 

Don't know how it showed up, but it did. I know I did not put out a second mortgage especially for nothing, no cash advance or home improvement was made. 

Can someone please help me. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Experian credit report is showing an bankruptcy account that is not mine.
Product: Mortgage

Wells Fargo services my mortgage, I like to keep a couple of payments ahead, so I am paying my mortgage a couple of months in advance. 

The other day, I received a bill from Wells Fargo that I was pass due on my loan, and owed late charges. I then called Wells Fargo and explained that not only was I not delinquent, but I was paid through XX/XX/XXXX. They then pulled up my account and noticed the payment I made on XX/XX/XXXX which clearly states on the check it is for the XX/XX/XXXX payment was posted by Wells Fargo as principal payment only. 
Thereby not posting my XX/XX/XXXX payment in full! Making it look like I never paid my XXXX bill. So I asked them to repost that XXXX payment correctly and bring my account up to date through XX/XX/XXXX, and drop the late charges because my account was paid in full through XX/XX/XXXX. They declined, stating it happened more then 90 days ago, and it was Wells Fargo policy not to correct it, if it happened more then 90 days ago. They then said I would have to make a new XX/XX/XXXX payment in order to bring my account current. 
So I am end up having to make XXXX XX/XX/XXXX payments. 
I asked to speak to a manager, the first thing the Manager told me is she could not help me, because the mistake had been made more then 90 days ago, and it was Wells Fargo policy not to correct the mistake if it happened more then 90 days ago. 
I then asked how this mistake could happen, the check clearly stated in was a payment for XX/XX/XXXX, how could Wells Fargo post the entire check to principal, and not post it for the XXXX XXXX. She claimed it was the fault of their software, if you make to many payments in advance their software decides to post the payment to principal, and not post the payment as a regular payment. 
Once again, by making me make XXXX monthly payments on my account, to cover XXXX monthly payment puts financial distress on me, when this could have been corrected by going back and correcting the error made by Wells Fargo, and posting the payment correctly.
Product: Debt collection

On my credit Report, Navy Federal Credit has 3 separate reporting on each of the credit bureaus claiming that I owe them money. as follows : Car loan XXXX balance owed XXXX Checking line of credit : Balanced owed XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX Credit however, stated credit card was switch in XXXX XXXX to a low interest credit card resulting in closing the credit card. However would not give me exact dates I have requested multiple times for debt validation from the company and refuses to provide Hard copies of the agreements, Complete agreement or information showing that I agreed for them to close my credit card account and switch it to a low interest payment when I was never late. When I have attempted to make contact, they informed me that They could not provide me with original agreements, they do not have exact dates in the system of change over, could not tell me the interest on my credit card, car note and that they were not required to provide this information to me. Since My credit report has been affected by this and is constantly changing my report, I requested validation and never have been provided with documentation. They just keep trying to get me to agree to making payment on my account when I stated That I do not believe I owe an I want to know exactly where they are getting payment information from, what contracts they have proving I opened theses accounts and agreed for my credit card to be shut off and to a low interest payment. When I asked again for verification after they updated my report and changed the number again and asked them how are they able to do this, they stated when you dispute all we have to do is give the credit reporting agency you information and a balance. The agent also said we do n't have anything in our systems because it is too old. And when I asked why is information different on every report he said if I agree to a payment play the balance can be corrected and reports will update to reflect payment plan. When I refused and asked to speak to a manager he hung hung up. I also have asked several time to verify that my address. Navy Federal is purposefully damaging my credit since I began disputing, changing account numbers, reporting balance as XXXX once month then changing it the following month which keeps drastically changing credit report and Is causing me to be declined for everything. The also have been reporting to my credit that I am late every month when I have not used these accounts since XXXX and requested for my payments to be held per my insurance due to daughter being born XXXX XXXX and on Medical leave of absence. If you look through all of the attachments, You will see the different balances reported, amounts due, account numbers, and how every month something was reporting differently. This should be illegal.
Product: Credit card or prepaid card

Today, XX/XX/20, I received a notice from XXXX XXXX that one of my accounts had been closed, however, I have not closed any accounts recently. Upon review of my credit report I discovered that my Victoria Secret account had been closed by the bank, Comenity, without any communication with me. I tried to call the bank to resolve the issue thinking it was just an error, however, when I called the message I received was " Thank you for calling. Our records show that your account has a zero balance and is closed. If you are calling to ask about reopening your account we are not able to reopen an account that has been closed by the bank. You are welcome to reapply. We are sorry for the inconvenience. Take care. '' Like many other credit users of Comenity I was never late, paid on time, and had a zero balance due to no need to use at this time. Being a responsible card holder and not using credit I didn't need to use or have budgeted to use at this time meant that 2 of my accounts were recently closed. What is the point of being a responsible credit user if I am going to get penalized for NOT using it when I didn't need to. Apparently these banks are looking for people who can't afford to use them and do. Despicable and shameful! They say they are here for Americans and Veterans during the COVID-19 pandemic but really they are just trying to use it as an excuse to line your pockets with irresponsible spending habits. Disgusting!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I've noticed some Fraudulent accounts on my report, and these accounts are Preventing me from Obtaining Credit and also Purchase a Home.
Product: Debt collection

I received on XX/XX/XXXX a letter from RSh debt collectors in Kansas a statement that said I owed {$250.00} to XXXX XXXX. I emailed them on XX/XX/XXXX requesting a statement of verification including the billing statement to verify the debt. As this chiropractor never mailed me any statements of money due. I requested this information on XX/XX/XXXX and by XX/XX/XXXX the balance was posted to my credit. I still havent received anything from RSH Creditors apparently a good Christian debt collector. I have now sent 3 emails. This goes outside of the act as they were supposed to send me the proper information or further correspondence as to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : 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 U S.C 1681 these accounts ( 1 ) XXXX XXXX account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have my violated my rights under 15USC 1681 section 602A. Which states ( I have a right to privacy ) 15USC 1681 section 604 A section 2 also states ( consumer Reporting agencies can not furnish an account without my written instructions. 15USC 1681 section A5 states ( No consumer reporting agency may make any consumer report containing any of the following items of information any Adverse item of information, other than records of conviction of crime, which antedates to report by more then 7 years 15USC 1681 section A1 states a person should not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inadequate.
Product: Credit reporting or other personal consumer reports

Someone used my SSN to apply for multiple Bank of America credit cards. Thankfully the accounts were not open but they are reflecting hard inquires on my credit history.
Product: Debt collection

Due to Covid related reasons, I had to leave my job in XXXX in XX/XX/XXXX and I moved to a new location farther than 25 miles from the gym. I sent XXXX an email on XX/XX/XXXX after repeated calls explaining this information. See this email attached. XXXX did not respond to these calls or emails. The next communication from XXXX is on XX/XX/XXXX about their plans to reopen. I reply to this email. Again explaining my situation, and receive no response from XXXX. Now, in XX/XX/XXXX, I have received two separate bills relating to XXXX. One claims I own {$240.00} the other instead claims that I own {$140.00}. I had a valid reason to cancel my contract in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached document!!! 

On XX/XX/2023. Contact was sent to XXXX XXXX XXXX XXXX and Experian XXXX XXXX XXXX about several inaccuracies on my report. The following companies instead of acting in my best interest as a federally protected consumer ... XXXX and Experian continued to add information that is known to be inaccurate. I am shocked at their clear disregard for their duty to uphold the rights enacted to consumers. I am hurt and my rights to privacy have been violated.
Product: Credit reporting or other personal consumer reports

My information was shared in a data breach with several companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX XXXX a letter that there are too many incorrect late payments being reported on my credit report.