23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

there are inconsistency on my credit report about the date amount and addresses I did not authorize them to any report information to credit bureaus Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete 028A. Aggravated identity theft ( a ) OFFENSES. 
( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a full amount of {$620.00} in the mail to XXXX and they should have received it on the XXXX of XX/XX/2023. They stated that the amount is not paid in full when it is in fact paid off and I have sent a full payment amount. I expect that at the end of the month they will remove the account off of my credit and show that it is paid off in full on XX/XX/2023. It is financial harassment and false reporting to continue to harass me for money I do not owe. I have sent the full amount of {$620.00} which is more that I owe, and I am now pursuing legal action against XXXX XXXX. I expect that my account will show as paid in full at the end of XX/XX/2023. I have sent the payment and they have received it. It is their fault if they claim to not receive it. It is no longer my responsibility once it gets to them. I am sick and tired of their poor customer service and I am now pursuing legal action against XXXX for XXXX XXXX and fraud. I want it off my credit report at the end of this month and I have already sent the payment so it better show paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to request that the following accounts be removed from my credit profile : XXXX XXXX XXXXXXXX and XXXX XXXX. XXXX XXXX XXXX XXXX It has been more than 15 days since I first contacted you regarding these accounts, and they are still appearing on my credit report. 
I mentioned I was in a Data Breach Previously & also placed a security freeze on my account fraud alert. 
I updated personal information as such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX providing my Address and as well as License for Proof of address and still theres things lingering on my account that clearly is no prove to have no connection or accurate proof to me in no way. 
I would appreciate it if you could remove these accounts as soon as possible and update my credit report accordingly. It is NOT MINE and defamation to me, due to the FCRA is also against the consumer law. This has been hindering me tremendously for far too long now. 
I WANT THIS GONE NOW so I can live my life without any financial hardship and anymore due to the negligence of the Transunion Credit Agency I am stuck in a dark place where I cant even obtain credit to help me in my dyer situations and that alone is not FAIR as a Honest and victimized individual. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i disputed my bankruptcy, Transunion, XXXX, and XXXX are saying they got my information from one place and another place. The actual court house is telling me that they did not report it. therefore they could not have possibly verified this information. so this needs to be removed immediately. this has caused me distress and financially has harmed me with costs and lost opportunity.
Product: Debt collection

I received a call on my work number from Focus Receivables Management on a file # XXXX. Focus Receivables Management was not authorized to leave any messages or call this number. I did return the call asking who this company was looking for and indicated this was a place of business - they should not be leaving messages or attempting collections here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, Transunion, and XXXX for proof that this debt belongs to me. I received an XXXX credit report that lists XXXX XXXX XXXX GA XXXX with a zip code of XXXX. I have contacted the XXXX XXXX XXXX and asked them to provide me with verification of this debt belonging to me, they were unable to provide me with any information. I then visited the website and attempted to pull up the case # on my credit report and could not locate anything. I have uploaded the address to the XXXX XXXX XXXX, which has a different zip code than what is listed on my credit report. Please HELP ME!!! My son has XXXX and I am trying to get him into a facility that he can reside in, and this XXXX is hindering me from getting approved. PLEASE ask for verification of this debt belonging to me or remove it from my credit reports.
Product: Checking or savings account

Account number XXXX XX/XX/XXXX interest paid {$3200.00} XX/XX/XXXX interest paid {$350.00} XX/XX/XXXX interest paid {$5.00} I have repeatedly requested by contacting the bank where I open the account, by calling their XXXX number and in writing through their on-line email service to state how the interested was calculated by giving me the interested rate, the dollar amount and the number of day they use to compute the interested earned. They only respond with a canned response and not the actual numbers.
Product: Checking or savings account

Account set up for credit only while waiting for debt card mailed to the bank for me to pick up yet never received. Social security check etc. Video of being inside the bank but no transaction of withdrawal money from my account. Forced to closed my account because because they said they didn't want to serve a customer that didn't trust them. However I never got the debit card nor did I order check yet checks were written on me and they are saying I did. This is fraud and the bank doesn't care About what they have done. This has put me in great financial situation. Social security check and government checks. Bank has banded me from coming thee anymore said do what I have to do because they don't care this Bancorp South bank
Product: Credit reporting or other personal consumer reports

XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's and Equifaxs inaction violates federal law and my rights as a consumer.
Product: Debt collection

Around XXXX of this year they sent a sheriff to my home they don't communicate well. I entered into a payment arrangement in XXXX to prevent a wage garnishment. I lost my job and my brother around the same time. They are extremely predatory. They offered a settlement amount of {$1100.00} in XXXX and told me any payments I made would go towards that amount. They are now telling me in order to settle I need to pay XXXX they have began garnishing my check for a total amount of {$3600.00} I only borrowed around a XXXX from them and actually paid that loan down. They are taking advantage of me. This loan was taken in 2014 and they have already charged it off. I'm trying to make this right but they are taking advantage of me.
Product: Credit card

Received Title company check # XXXX, dated XX/XX/XXXX, in the amount of {$7800.00}. I I Mailed the check, with a copy of our credit card statement to Comenity, XXXX XXXX XXXX, XXXX, TX XXXX, on XX/XX/XXXX. This is the address given to me when I called to ask where to send the check to. 
I sent all checks to pay off credit cards from the Title company, and all creditors had their checks passed through the bank by XX/XX/XXXX ... XXXX.EXCEPT COMENITY! XXXX XXXX never received the check back, nor did we receive the check back, therefore, Comenity received our check. Of course, each day, they were adding interest to our bill, stating that they never received the check!!! 
I called to complain, spoke to a lady XXXX... confirmation XXXX  XXXX. I was told to send a dispute letter, with another check, and send to Comenity Capitol, XXXX XXXX XXXX, XXXX, OHIO XXXX. 
I call XXXX XXXX, they had to STOP payment on check # XXXX, and issue another check # XXXX, which I received in 1 day. I mailed XX/XX/XXXX, and have Postal Service Tracking that Comenity received the check XX/XX/XXXX. 
I received a letter from Comenity XX/XX/XXXX, stating they never received my payment, not changing the interest added to my credit card, and closing the dispute I made. 
I called XXXX XXXX XXXX, and they said Comenity lied to you. The check was in their bank XX/XX/XXXX. They received the XXXX check XX/XX/XXXX, but never cashed until 10 days later, and still are saying they never received my payment!!! 
PLEASE HELP US!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter around XX/XX/XXXX to Experian, XXXX XXXX and XXXX here is my tracking numbers # XXXX, # XXXX, # XXXX, however it's been more than thirty days and the credit bureaus failed to send my investigation back verifying the accuracy of these accounts and from who we're they getting there information from as verifiable proof that these accounts are mind. Also my credit file was breached twice with XXXX two in both of their major breaches in XXXX  and again XXXX and I have yet to hear from them regarding financial or credit remedy to their breach of my information and the possibility my personal information is on the dark web as life lock has suggested. 
According to the law 5 U.S. Code-s 1681i- procedure in case of disputed accuracy, 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. If it is shown to accurate provide the direct information from the original creditor as well as what company/agency this information is coming from. They also must record the current status of the disputed information, or delete the items from the file ASAP in accordance with paragraph ( 5 ), before the end of the thirty day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

On XX/XX/2022. I went to check my bank account amount on the Wells Fargo App to see that there were two online transfers I did not make. These online transfers went to an account that was not mine. The first transfer was {$300.00} and the second was {$1000.00}. I instantly called Wells Fargo Fraud Department. to submit a fraudulent claim. They told me it would take 10 days of the investigation until I receive a reimbursement. After 10 days and still no reimbursement, I called Wells Fargo Fraud Department again. They told me they were sorry that my claim was submitted to the wrong department. They then told me they filed a new claim to the right department. The claim number is XXXX. They closed my savings account that which the money was taken from. They told me it would be another ten days of investigation. After ten days again, I still had no reimbursement for fraud on my Wells Fargo bank account.

I called again. They told me they tracked the two transactions to Illinois. Not only have I never been to Illinois, but I know no one who lives in Illinois. They told me that someone requested a new debit card to Illinois under my name and it was mailed there. I never did that. My address with Wells Fargo is a Hawaii address where I am living. I have had the only debit card I use with me this whole time in Hawaii. I also do not understand why I was not informed anywhere that a new debit card was being mailed to Illinois under my name. Or, how Wells Fargo approved a debit card to be sent to a new address that was not on file under my name. I explained to them all of this and how I have never been to Illinois and no one who lives there. They told me the investigation was still going on despite the fact that it was obviously fraudulent. 

A few days later I called again and they told me the claim has been denied. They would not tell me why. I have been calling ever since. They transfer me all the time. Many representatives tell me it is truly fraudulent. They never gave me a reason why my obvious fraudulent claim was denied. They told me they would reopen my claim and re-evaluate it. I have talked to numerous Wells Fargo representatives. I even had one apologize for all the inconvenience and promised me my funds would return in 48 hours. That did not happen. When I called today, XX/XX/2022, all they could tell me was that they were going to reevaluate the claim again. It has been passed a month since when my money was stolen and Wells Fargo has not only not reimbursed me, but has been treating me nothing but horribly. I am ready to involve others.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an automatic payment of {$50.00} scheduled for payment to my XXXX XXXX Credit Card, because my minimum due ran around {$33.00} per month. In XX/XX/2016 i made some bigger purchases using my XXXX XXXX Credit Card, which them increased my minimum due for the month of XXXX. During this time I was out of the country and did not realize that the minimum automatic payment i had set up was not going to cover the increase to the minimum due causing for my {$50.00} automatic payment to not be enough to cover the minimum. This situation caused a negative reporting to the credit bureaus by XXXX XXXX which reduced my credit score by 95 points for this one late payment reporting. I tried contacting both XXXX XXXX and the credit bureaus because i felt that 95 points was too much for just one late payment, which was not even late it was insufficient. When speaking with one, they would tell me to contact the other. I opened a dispute with the credit bureaus and got no resolution.
Product: Credit reporting or other personal consumer reports

I notice some unauthorized inquiries on my report from companies I did not give permission to inquire on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

1-This company called ( Loanme ) is involved in reporting erroneous information about me to XXXX  at the status level where they write : Charge-Off. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint.

2-This company ( loanme ) is also reporting wrong address information about me.
Product: Credit card

Credit card closed by them in XX/XX/year> stating they sent me letters that the account was closing.. never received letters and the card had expired on XX/XX/year> they never sent me the renewed one and then took {$1500.00} in rewards points that they said were gone in XX/XX/year> but my account showed them available XX/XX/XXXX. Stole {$1500.00} worth of points and will not refund or put onto another one of my credit cards I have with Wells fargo
Product: Credit reporting or other personal consumer reports

Account Details : Creditor : DEPT of Education / XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. This account does not belong to me and is causing significant harm to my credit score and overall financial well-being. Below are specific sections of the FCRA that support my request for the removal of this erroneous account : Section 611 ( 15 U.S.C. 1681i ) : Procedure in Case of Disputed Accuracy Under this section, if a consumer disputes the completeness or accuracy of any item in their file, the credit reporting agency must reinvestigate and record the current status of the disputed information or delete the item from the file within 30 days of receiving the dispute. 
Section 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of Furnishers of Information to Consumer Reporting Agencies This section requires furnishers of information to report accurate information and mandates that they correct and update information provided to consumer reporting agencies to reflect the most complete and accurate information available. If the information can not be verified, it must be promptly deleted.

Section 605B ( 15 U.S.C. 1681c-2 ) : Block of Information Resulting from Identity Theft As this account is potentially fraudulent, under this section, I have the right to request the removal of this information from my credit report.
Product: Mortgage

XXXX-ORIGINAL LOAN - XXXX XXXX XXXX Applied for a loan modification with XXXX XXXX XXXX XXXX XXXX transferred our loan to Ocwen Loan Servicing a . We received notice we were approved and the terms were to be 30 yrs for {$190000.00} @ 2 % for the life of the loan XXXX XXXX a. Ocwen changed the terms of the loan b. added XXXX to our loan, ( we were told this was an amount XXXX XXXX had sent over of payments that had not been made/ we then sent proof showing payments had been made and also our tax statements showing mortgage interest collected from XXXX ) c. raised interest rates after 5 yrs t 4.5 % d. added a balloon amount to end of loan e. robo signed or forged a signature on loan f. Has not responded in a timely manner to discuss the changes g. Has provided incomplete payment history reports h. Has refused to approve a new modification because our loan is current i. Has not considered the hardship of one half our income now going to a mortgage payment We have been trying unsuccessfully for five years to correct this error Only recently discovered this is common practice with this company and there is a complaint filed against them for these practices and an agreed order. They refuse to discuss the complaint and pass the information around from many representatives. In the past two months we have had XXXX persons assigned as our assistants to help. We have now been placed in the Escalation dept and are told our next step is the Ombudsman dept which is he highest level. We have been working with the Bankruptcy Dept, Research Dept and various other depts. Here is the link for the consent order XXXX
Product: Debt collection

I am filing this complaint regarding a negative item reported by TransUnion on my credit report. The account in question is from XXXX XXXX XXXXXXXX XXXX " Original creditor '' with a balance of {$1700.00}. 

I have repeatedly disputed this account with TransUnion, as it does not belong to me. However, despite my dispute, TransUnion claims to have verified the account, yet they have failed to provide any verifiable proof or documentation supporting this debt. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to verify the accuracy of information reported to them. Without providing proper verification, this account should not be reflected on my credit report. TransUnion has neglected this responsibility by not offering any documentation to substantiate the claim that this debt belongs to me. 

I am requesting the removal of this item from my credit report as TransUnion has failed to provide proof of its validity. Their failure to comply with the verification requirement is damaging my credit score and overall financial standing. 

I kindly ask the CFPB to investigate this matter and assist me in resolving this issue promptly. 

Thank you for your attention to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addresses and phone numbers in my credit report that are not valid and correct. I have attached a letter that details my valid current information to this complaint.