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

I am writing to dispute the accuracy of the information on my credit reports provided by XXXX, XXXX, and Equifax. After reviewing the reports, I have identified inconsistencies that I believe warrant your attention and resolution. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan ( reported as Unsecured loan by Equifax XXXX Bureau Code : Individual Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX ( reported as XXXX by Equifax ) High Credit : {$30000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current ( reported as Late 30 Days by XXXX ) Last Reported : XX/XX/XXXX ( reported as XX/XX/XXXX by Equifax ) Inaccuracies and Potential FCRA Violations : FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting Accurate Account Information : The " Date Opened '' is reported differently by XXXX and Equifax, with a discrepancy of approximately one month. This inconsistency may be a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information about consumer accounts.

FCRA Section 605 ( a ) ( 4 ) - Reporting Accurate Account Status : XXXX reports the account as " Late 30 Days, '' while XXXX and Equifax indicate " Current '' and " Paid, '' respectively. This inconsistency may violate FCRA Section 605 ( a ) ( 4 ), which requires accurate reporting of the account 's payment status.

FCRA Section 605 ( a ) ( 6 ) - Reporting Accurate Credit Limit : Equifax erroneously reports the " Account Type - Detail '' as " Unsecured loan, '' which affects the " Credit Limit '' field, showing " {$0.00}. '' This is inaccurate as the account is an " XXXX XXXX '' and does not have a credit limit. This may be a violation of FCRA Section 605 ( a ) ( 6 ), which mandates accurate reporting of credit limit information.

I request that you conduct a thorough investigation into these discrepancies and promptly take corrective action to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

I am attaching copies of relevant supporting documents that validate my claims. I trust that XXXX, XXXX, and Equifax will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This company ( Dignifi ) on my credit report even when I explain this is identity theft It happened XX/XX/year>, and I believe for XXXX
Product: Credit reporting or other personal consumer reports

THESE ARE ACCOUNTS AND HARD INQUIRIES I DO NOT RECALL : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was harassed by XXXX over a vehicle I had no control over when my spouse passed away and I was harassed by XXXX over a t mobile bill I haven't had t mobile in about XXXX years I disputed multiple times they keep dropping my credit score.
Product: Debt collection

Back in XX/XX/2023. I started receiving email notifications as well as text messages about a debt owed to XXXX XXXX. Whats the temperature of it being collected on behalf of Trans world systems inc. me being very confused because I know for certain I dont owe any debt to the company mentioned I immediately sent in a request for death validation. This was done back in XX/XX/2023. I subsequently never received a response moving forward on XX/XX/2023. I noticed that the company was reporting this negative item as a collection on my credit report. I only asked that this be removed for the debt is one not validating in the amount of time given, and it is an improper an owed debt.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. 
Please remove these account from my report. They are hurting my ability to obtain credit. I do not recognize these account and did not authorize them. They are reported by XXXX  party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ttried to fix this problem on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
This problem started when my credit fell from XXXX to XXXX with Equifax and XXXX. This egrigious error was either caused by a clerk or management. Intentionally or unintentally, it borders on criminal misconduct and may be subject to a lawsuit in the near future. This problem should have been corrected by now. I will also file a duplicate report with the U.S. Attorney General to look into possible criminal mischief.
Product: Mortgage

On XX/XX/20, I contacted Wells Fargo XXXX XXXX XXXX to request they waive my escrow account per Wells Fargo Home Mortgage Form 3011, page 4 of 14, Number 3 Funds for Escrow Items, line 12. I went through qualifying process with a manger and was decline due to in forbearance. On XX/XX/20, I signed my Disaster Extend Modification. On XX/XX/20, I received a call from XXXX, Wells Fargo corporate representative XXXX to inform me that my request was denied. He stated Wells Fargo required me to hold an escrow account. XXXX XXXX XXXX  XXXX XXXX had no problem waiving my residential escrow account. Why Wells Fargo my rental escrow account? The answer {$21000.00}. I can save and pay my own home insurance and taxes at that cost. Are escrow accounts mandatory at Wells Fargo?
Product: Checking or savings account

I have a trust account with TD Bank. I requested services for the start up of a business from a company called XXXX XXXX XXXXXXXX. The payment method for each document was paid through XXXX XXXX. The documents was not drafted correctly on numerous occasions. I called to try to resolve this issue with the vendor. I didn't get far at all ; so I reached out to my financial institution. I was provided a provisional credit. Then I was told the decision was made to deny the credit, and the funds would be reversed. The reasoning was I authorized the payment. Each payment I make with my debit card is authorized ; so that's not a valid reason. I called to appeal the decision and was told it's no appeal process. The Provisional credit was just redone. TD Bank just postponed the funds to be taken out on a later date. I have provided TD bank with the documents drafted for me with other people name on them, A text thread from the vendor expressing his negligence with my paperwork, I have sent a XXXX filing statement that was drafted incorrectly etc. My claim was still denied. 

As a depositor with TD bank I hold a irrevocable trust that is insured up to {$250000.00}.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report. Please delete all addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section as well. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send/mail an updated credit report once the changes are complete to my contact information listed below. 

Thank You. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX
Product: Vehicle loan or lease

Chase Auto Finance called on XX/XX/XXXX to report a stop payment of a check on XX/XX/XXXX. 

A payment was made from the dealership on XX/XX/2022 for full payoff of auto loan. 

The title was released from Chase to dealership. A refund for overpayment was sent to us. A letter acknowledging payment was received by us on XX/XX/2022. 

Chase has since submitted an erroneous credit record as the result of their error. 

They are requiring additional documentation from the dealership despite having record of payment on file. 

Despite trying to work and get information they deny attempts to clear this up and make restitution for the error.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I called Upgrade regarding incorrect information being placed on my credit report. XX/XX/XXXX, Upgrade reported that I was late/missed 4 payments. Everyone I spoke to at Upgrade agreed my account payment history did not reflect 4 late/missed. On XX/XX/XXXX XXXX ( supervisor ) advised he would submit the correction to the credit reporting agencies. XXXX also agreed to send something reflecting the correction that is being requested. I called later that same day to confirm Upgrade was taking action to correct the mistake. My mortgage broker advised a letter stating that would improve my mortgage rates, as the 4 late/missed payments reports affected my credit score. After receiving a balance letter from one of my other creditors, I called Upgrade for the status of my request with them. I have never been treated so poorly by a company I am paying to do business with. on XX/XX/XXXX I was advised by an Upgrade employee that although they maintain my payment records and they report Upgrade sends my account data to the credit agencies, there is nothing they can do. I must wait up to 60 days for the information to be updated. I was refused a manager/supervisor and hung up on. Upgrade declined to send a payment letter. Upgrade told me that this info could be found online or in the app. The app does not reflect the 4 late/missed payments. Everyone I spoke to agrees, so why do I have to wait 60 days? I have to put my home purchase plans on hold for a mistake, not one made by me, one caused by Upgrade. I still feel like I am being punished for pointing out the previous system error on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on any of my credit card payments back in XXXX and XXXX of 2017! Please either remove the late payments or the entire account! Thank you
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Nebraska XXXX XXXX XXXX XX/XX/XXXX AMSHER COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX RE : Dispute of Collection Account ( Account # XXXX ) ** Dear Sir/Madam, I am writing to formally dispute the accuracy of a collection account listed on my XXXX credit report under your companys name. The account in question is identified as **Account # XXXX, with an alleged balance of ** $ XXXX and an original creditor listed as XXXX 

1. This account is being reported inaccurately and/or incompletely for the following reasons : 2. 
- **Incorrect Date of Opening** : The account is listed as having been opened on XX/XX/XXXX, which is incorrect because I did not have any dealings with XXXX or AMSHER COLLECTION SERV at that time. 

1. - **Inaccurate Past-Due Balance** : The account is listed as being ** {$1000.00} past due as of XXXX XXXX, which is inaccurate because I have no outstanding debt with XXXX This debt is not mine. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting that you conduct a thorough investigation into the accuracy of this account and provide me with all documentation validating the debt, including : - A copy of the original contract or agreement with XXXX 
- Proof that I am legally responsible for this debt. 
- A detailed account history, including all payments and charges. 
3. If the debt can not be validated, immediately remove the account from my credit report and notify all credit bureaus to which youve reported it.

Furthermore, if this debt has passed the **statute of limitations** for collection in my state, I request that you cease all collection activities and remove the account from my credit report.

Please provide written confirmation of the outcome of your investigation within **30 days** of receiving this letter, as mandated by the FCRA. Failure to comply with this request may lead to legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under the FCRA. 

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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has been deliberately targeting myself and others as well with mismanagement of credit scores, there is absolutely nothing that changes within the company system I have been in the lower scores going on almost 6 years and each time Ive reported this issue Im going through a chat or as there is no one to be redirected to. Obviously this is purposeful and I believe it to be a targeting tactic to push the agenda of reducing any credit issues by submitting to a loan company an d of course the credit card companies that are offered by the site and if not accepted they pay {$50.00} dollars. I want actual answers and I want my credit score up to the XXXX where its supposed to be. This score system I believe is a targeting tool used against ethnicity and religious groups to perpetuate the low score myth as Im living proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

As part of an incentive to sign up for XXXX, I was mailed a {$300.00} pre-paid Visa card at the end of XX/XX/XXXX. I have since found that the card is serviced through " Prepaid Card Center '' and " Blackhawk Network '' on behalf of XXXX. Prior to the card being delivered to me, the card was stolen in the mail. I only found out that it was stolen once I received an evidence notification from XXXXXX/XX/XXXX Police Department, at which point I reached out to the card company to learn that the funds had been fraudulently spent. I was instructed to file a Cardholder Dispute Form with the Company, which I submitted on XX/XX/XXXX via email. This initial notice included the letter from the XXXXXX/XX/XXXX Police Department as further evidence that I was not involved with these charges. After not hearing a response, I revisited the card processor 's website and was notified that I now needed to submit a notarized affadavit. On XX/XX/XXXX I mailed a notarized affidavit, along with a copy of my original cardholder dispute form, the XXXXXX/XX/XXXXPolice letter, as well as the two United States Postal Inspection Service notices that I received. After again not hearing back or hearing a resolution on the matter, I have reached out several times to the Company. On subsequent phone calls, including the most recent one XX/XX/XXXX, I was notified that the forms and required information was received XX/XX/XXXX but that it was still " processing ''. It has now been over 90 days since this was started and the Company has failed to resolve these fraudulent charges and has failed to maintain even the slightest communication throughout this process.On the XX/XX/XXXX call, I was informed by " XXXX '' that his supervisor had allowed for an exception to be made to fund the account the disputed balance, with funding expected " within the next ten minutes ''. I then went to log back onto the website to find that my card had been blocked and that I was no longer able to log into my account.
Product: Debt collection

My Adult son was on my medical insurance and the deductible/balanced owed was billed to me not him. He sought medical services and signed the authorization for treatment/payment. I tried multiple times to get this corrected but the company refused to correct their billing information. The bill was paid, however the company refuses to remove it from my credit report. I have tried to dispute it will all XXXX reporting bureaus, however I am being told that because the insurance was in my name I was ultimately responsible for the late payment/collection action. All XXXX credit reporting services refuse to remove it ( last dispute XX/XX/2011 ) because they say the company validated the debt.
Product: Student loan

In  XXXX  My husband consolidated our student loans who were w ith   XXXX   XXXX    now sold to Navient.. At the time we secured the loans we were charged 9 % interest. So on  XXXX / XXXX / XXXX  we began paying extra on our loan to apply to the principle since it was taking so long to pay off. in  XXXX  of  XXXX  I found that none of your extra payment were applied to principle. When I inquired I was told that if there was still interest due nothing would be applied toward interest until interest was pay off. In addition since we were about to retire we looked into the public service forgiveness program. We both worked in the fields required for this program. My husband fo r the City o f  XXXX   XXXX  and I worked as a  XXXX   XXXX . We filed the necessary paper work had it approved by our employers and submitted it to Navient. in  XXXX   XXXX  we both received letters fro m Navient stating that we did not qualify for the forgiveness program with no explanation why. I then called Navient and was told that Stafford loans did not qualify for the program. We have paid on this consolidated loan for many years and am convinced we have repaid the actual amount many times over.
Product: Checking or savings account

At XXXX Pacific Time on XXXXXXXX XXXX XXXX I noticed there is a {$260.00} charge of direct payment on my XXXX XXXX checking account. This payment 's merchant is AFFIRM INC AFFIRM PAY. This is weird as I never had an account with Affirm and have never authorized Affirm to take payments from my account. 

I called XXXX phone line when they are opened, at XXXX PT to dispute these charges, which XXXX mentioned they have done so for me. ( I am still waiting for XXXXXXXX XXXX confirmation email that this transaction has been disputed ). XXXX told me that this charge was done through my routing and account number. 

I then called Affirm to find out why was I charged and how did the have my routing and account number information. Affirm talked to me on the phone and was able to confirm that I do not have an account with them, but were unable to provide me with any more details.
Product: Credit reporting or other personal consumer reports

I did not agree nor consent for my credit to be ran by said company. 

Onemain financal
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 


You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Verification XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

Delivered in the presence of : XXXX XXXX