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

Dear CFPB Dispute Resolution Team, I am filing this dispute as an unresolved, ongoing violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The original creditor, Oportun, incorrectly reported a settled debt on my credit report, and this account was mistakenly sent to collections with XXXX XXXX XXXX, despite being fully paid. 


Account and Issue Details : Original Creditor : Oportun ( formerly known as Progreso Financiero ) Original Account Balance : {$3900.00} Transfer Initiated by : XXXX XXXX Date of Balance Transfer XXXX XXXX Current Debt Collector : XXXX XXXX XXXX Description of Issue : In XXXX I opted to transfer my {$3900.00} balance from Oportun to XXXX due to XXXX XXXX % interest balance transfer offer. XXXX successfully completed the balance transfer, paying {$3900.00} to Oportun via electronic funds transfer to settle my balance. 

However, Oportun failed to apply these funds to my account, despite XXXX repeated outreach and documentation confirming the transfer. Over the course of more than a year, I made continuous efforts to resolve this issue with Oportun, providing emails, documents, and consistent follow-ups. After countless phone calls, I requested that our communication move to email for record-keeping purposes. Even after this, I never received any updates on the matter from Oportun ( see attached email correspondence ). Despite my persistence, Oportun did not take my case seriously and failed to escalate my concerns beyond general customer support. Unfortunately, to this dayover two years since the transferOportun has yet to address this issue. 

This lack of resolution left me making payments on what should have been a settled account. Due to Oportuns inaction, I was ultimately forced to stop making dual payments, resulting in a default on an account that should have been fully settled. Oportun has now sent this account to collections with XXXX XXXX XXXX, which is both inaccurate and unjust. 

Context of My Payment History : I would also like to highlight that I have maintained an excellent payment history across my accounts with Oportun ( formerly Progreso Financiero ), which has always been on automatic payments. This demonstrates my commitment to responsibly managing my financial obligations. I have never before been referred to collections, and this error is having a detrimental impact on my credit. This issue is an isolated incident directly caused by Oportuns failure to apply the balance transfer funds. I hope this context emphasizes the importance of accurately reflecting the true status of my account. 


Enclosures : 1. Documentation from XXXX confirming the {$3900.00} electronic funds transfer to Oportun ( EFT Trace Information ) 2. Email correspondence with Oportun confirming lack of updates despite repeated requests ( Oportun Emails ) 3. Email from Oportun notifying me that the debt has been sold without a resolution on my issue ( Notice of Debt ) Thank you for your attention to this matter. I look forward to a prompt response and a resolution to this incorrect and unjust debt collection.
Product: Credit card

Someone with an XXXX accent claiming to be from Chase Bank stated they wanted to confirm my credit application made from the state of Missouri and North Carolina. Phone call was from Unknown Caller ; no phone number to track. Kept calling repeatedly. I kept trying to block the calls but they kept coming through. One call was identified as XXXX but no actual number attached to it. They knew my full name, the town I lived in and state ; they also knew the last four digits of my SSN. He gave me a Complaint Number - XXXX and was going to transfer me to the Consumer Financial Protection Bureau. He also mentioned other creditors such as Bureau of XXXX XXXX and XXXX XXXX that had applications in my name. While I was waiting to be transferred, I hung up and decided to call and report this activity.
Product: Payday loan, title loan, personal loan, or advance loan

Heights Finance in XXXX, XXXX XXXX called and requested the payoff amount. The person on the phone verified our address to make sure she confirmed which account to apply the payment. Then gave us someone elses balance to payoff another account. I confirmed the amount to make sure I was paying the right amount and was told yes that amount of {$XXXX} was the correct amount to pay the loan off in full in XXXX. We paid this amount. And later found out that the payment was for someone elses account and they credited that amount to my loan. They advised that there was still an outstanding balance and by them crediting the other payment would move out the due date to XX/XX/2025 for {$XXXX}. I just went in to pay this amount of {$XXXX} to pay it in full only to be told that the balance is now over {$XXXX}. There has been no communication whatsoever from this company since XXXX. In my opinion the {$XXXX} should have been written off due to the error that their employee made. They refuse to do that and refuse to provide who took that payment and applied it to the incorrect account. To me this is fraudulent activity on my account and a breach of contract for privacy information due to my banking information being put in someone elses account information.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding a discrepancy found on my credit report pertaining to my account with XXXX XXXX. Upon review, I noticed inaccuracies in the reporting dates, specifically reflecting late payments that were not accurate. Taking proactive steps, I promptly contacted XXXX XXXX to rectify the issue, and they have acknowledged the error and committed to correcting the information. 

I kindly request that my credit report be amended to accurately reflect that the account in question was never delinquent, and any reported late dates be removed. XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting XXXX  % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I send a dispute letter to Equifax Information Services LLC requesting verification or a contract with my signature showing as proof that I legally responsible for the account from XXXX XXXX XXXX with debt of XXXX, XXXX that is inaccurately reporting on my credit report. By law they have 15 days to respond to me with proof I did not receive any verification. XXXX XXXX XXXX Account number XXXX
Product: Checking or savings account

I use XXXX banking, and I was suppose to get my deposit two days ago on the the XXXX. XXXX message my job to make sure the deposit went through and they ensured me that they did everything right on their part. My other coworkers gave received their check, I am the only one who hasn't. I contact XXXX banking customer service and nobody has any clue where my deposit is. All they keep saying is " when we receive the money it will be available in your account '' but the deposit from my job has already been sent. I look online and multiple people are having the same problem as me. It's clear as day XXXX banking is scamming it's customers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX To whom it may concern, Ive been working to have accurate information displayed on my credit report, I have been doing so with the following credit reporting agencies XXXX, XXXX  and XXXX. The following collection agency LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX SC XXXX has refused to provide legal verifications with signatures and in some cases have not met the legal burden of proof for authentication, is unwilling to produce evidence of legal verification and validation this was the reason the account was previously deleted. They have even re-dated a tradeline that was previously deleted. 

Despite my numerous requests to have the legal requirements met which warrants these accounts removed, the collection agency continues to provide this information and refuse to withdraw this information from my report in violation of the below-mentioned statutes. Below are the sections of the FCRA they refuse to comply with, adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes and subsequent letters to the collection agency in question and the CRA I have not received suitable resolution. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 

1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached documents that substantiate my claims Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a formal dispute to Equifax requesting verification of account XXXX XXXX XXXX XXXX  under the Fair Credit Reporting Act ( FCRA ). 

XXXX and XXXX has already deleted this account, meaning it could not be verified.

Equifax continues to report the account without providing a detailed description of the investigation conducted, violating FCRA 611 ( a ) ( 7 ) - 15 U.S.C. 1681i ( a ) ( 7 ).

Under FCRA 611 ( a ) ( 5 ) ( D ) - 15 U.S.C. 1681i ( a ) ( 5 ) ( D ), if one credit bureau deletes information after an investigation, the other bureaus must review the deletion and take the same action if the information is inaccurate or unverifiable. 
Equifax has failed to provide documentary evidence proving the accuracy of the account, violating FCRA 607 ( b ) - 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure the maximum possible accuracy of reported information. 
I have requested that Equifax provide a detailed explanation of its verification process and remove the account if it can not be verified, but I have not received an adequate response within the legally required time.
Product: Debt collection

I have contact the companies by certify mail reporting derogatory information, I refuse this account to be mine and report them as fraudulent, Some creditor/ collections agencies, promise close accounts and update to all major credit bureaus withing 90 days but none of these was follow,
Product: Debt collection

My parents received a voicemail from XXXX saying that I had outstanding debt. However, I do n't having any outstanding debts at all. They left a reference number. My mother told me and I called back to resolve the issue. I had already searched the number before I called and saw that others had issues. They asked me to verify the last four digits of my social security number. I said no and they hung up.
Product: Credit reporting or other personal consumer reports

Hey XXXX, TRANSUNION, XXXX, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - ( XXXX, Transunion, XXXX ) -This account is not showing maximum possible accuracy Reporting as a One Month Term but was opened XX/XX/XXXX then 8 month later reported the first month payment on XX/XX/XXXX then Starting XXXX to XXXX XXXX late payments then closed on XX/XX/XXXX its to many false information reporting according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately as seeing the account is paid and closed and for violation of 15 USC 1681e ( b ), 15 U.S. Code 1692c - Communication in connection with debt collection XXXX  - XXXX - ( Transunion, XXXX, XXXX ) This account is not showing maximum possible accuracy its reporting a 30 day late payment in XXXX and XXXX is still the current month also said lender says they " We have completed the investigation into your dispute and confirmed that the accounts ) in question was closed and has not been reported to the credit bureaus. At this time, we consider the matter resolved and no further action is required by you. '' according to 15 USC 1681e ( b ), its not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ,15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXX XXXXXXXX - ( Transunion XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ( Transunion ) ALSO THESE INQUIRIES ARE NOT ACCURATE AND WAS NOT AUTHORIZED AND NEED TO BE REMOVED FROM ALL APPLICABLE BUREAUS : NAME : Inquiry Date : BUREAU : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, Transunion XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX. XXXX, XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX XXXX XXXX, XXXX Transunion XXXX XXXX XXXX. XXXX, XXXX Transunion XXXX XXXX XXXX. XXXX, XXXX Transunion Thank you for your time and attention! 

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter from the debt collection agency PORTFOLIO RECOVERY ASSOCIATES, LLC stating I owe a debt in the amount of {$3300.00} that was owed to original creditor XXXX XXXX and merchant XXXX in which PORTFOLIO RECOVERY ASSOCIATES, LLC is the current creditor of this debt owed. I did not take out any type of credit with these creditors stated.
Product: Debt collection

XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXXXXXX {$880.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit card or prepaid card

Synchrony bank harasses me for another person 's bill, harasses me in person and slanders me for not paying when the charges are in dispute someone elses account on my credit report slandered and harassed over dispute
Product: Credit reporting or other personal consumer reports

The following accounts 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 accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my credit report and seen an account that does not belong to me. I believe this an act of fraud and will need the fraudulent account removed. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
accounts : XXXX XXXX XXXX # XXXX, STERN RECOVERY SERVICES # XXXX, STERN RECOVERY SERVICES # XXXX, XXXX 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 or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX Capital One Bank USA. XXXX. Any information to prove that I authorized these companies to pull my credit report. However, I never received anything and XXXX XXXX  is located in XXXX XXXX, LA where I aside and they said it was done online which I never did and they did provide dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. 

XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX  Account XXXX I have also never lived at this address. 
XXXX XXXX XXXX XXXX XXXX TN XXXX I also have been having trouble with my XXXX  sisters accounts posting onto my reports. Her name is XXXX XXXX and the last 4 digits of her SSN is XXXX. Could you please remove any accounts that are here 's as it is affecting my credit.
Product: Credit card

Re : Chase Bank I received an email on XX/XX/24 informing me that my accounts will be closed and to wait for a letter with an explanation. I received the letter on XX/XX/24, template letter nothing personal, stating my accounts ( two checking and four credit cards ) will be closed on XX/XX/24 because " unexpected activity on this or another Chase account ''. A phone number was provided in case I have questions ( XXXX ). I called the number on XX/XX/24 asking for any explanation ( I have been with Chase for more than 20 years ). The customer service person/banker told me that the bank does not give explanations when closing accounts and kept repeating it. Then I asked for those " unexpected activity '' and I was told that the bank does not give explanations. After trying to get any information back and forth I just gave up on the call. 
Just like that Chase bank will close my two checking accounts and four credit cards with combine credit line {$32000.00}. That will devastate my credit score. 
For the record, I have no late payments or paneities on any of my cards. All of my accounts were and are in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute a XXXX account due to litigation & it being involved in the lawsuit with XXXX. Experian is the only credit bureau that continues to fail to do a complete investigation. My results come back the same day in less than three hours as updated but no information has been updated. I even added a statement and it still showed as updated with no information updated.
Product: Credit reporting or other personal consumer reports

In the last 3 months I have continuously I mailed a dispute to XXXX XXXX XXXX and Experian XXXX XXXX to remove the fraudulent XXXX  XXXX account for {$460.00} open XX/XX/year> as well as fraudulent addresses listed below I have never lived or associated with the following XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX has removed the following fraudulent and inaccurate information from my report, but XXXX and Experian bureaus have not. This an accurate fraudulent information is hindering my financial progress with my credit report.
Product: Mortgage

We have been unsuccessful for the past 6 years to get a loan modification on our primary residence. We have been told that we are in a unique situation where our original loan from Wells Fargo Bank was funded by XXXX XXXX. When the housing market crashed, XXXX loans were bought out by XXXX, who then sold our loan to a group of investors that XXXX XXXX currently manages it for. At this time, our loan is serviced by Wells Fargo Bank for XXXX XXXX for this " unknown '' group of investors. Due to our excellent credit and lack of financial hardship, we were instructed by a home preservation specialist to apply for a FHA short refinance of which no one at both Wells Fargo and XXXX XXXX at one point acknowledged that this program ever existed. On XXXX XXXX, 2016 we reattempted to apply for the FHA Short Refinance and were informed by Wells Fargo Bank that since they are only the service provider, that they are unable to approve us for this program and we would need to seek approval from XXXX. We then contacted XXXX XXXX of which they were unable to pull up any our information because our loan is serviced by Wells Fargo Bank. The representative at XXXX XXXX attempted to assist us, but was unsuccessful. As you can see, this is a complete run around for all parties involved. We are simply seeking a loan to take us out of this adjustable loan and put us in a fixed rate loan.