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

On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on Transunion and XXXX and a status of CLOSED on XXXX. There is NO payment history on Transunion, the payment history for XXXX shows positive, missing, and late payment history on a closed account, and XXXX reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. and Texas Statues XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!
Product: Credit reporting or other personal consumer reports

Equifax has failed to update my consumer report according to the request made by XXXX XXXX. I attempted to dispute this on Equifax 's website but I could not access the account under their dispute system. 

CFPB complaint # XXXX was updated on XX/XX/year> by XXXX XXXX XXXX XXXX " Per your previous request, the above-referenced account will remain marked Cease and Desist '' and " Please note that during our investigation of this matter, we notified the credit reporting agencies to cease reflecting the collection tradeline on your consumer credit files. However, please be advised that the deletion of the collection tradeline ... '' While both XXXX and XXXX have deleted this account from my consumer report, Equifax has only updated the status to closed. I am requesting, per the attached copy of the complaint and XXXX XXXX 's response to this complaint, that Equifax delete this account immediately. 

Attached is a copy of the CFPB complaint # XXXX and print out from my consumer report of how this account is being reported by Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a charged off account from XXXX XXXX XXXX that has been on my credit report as a charge off since XX/XX/XXXX The account was opened on XX/XX/XXXX for an amount borrowed of {$320.00} dollars. 
From the original charge off date up until XX/XX/XXXX the amount was reported as {$320.00} dollars On XX/XX/XXXX my credit report reflected XXXX XXXX had suddenly increased the amount charged off and my credit report worded it as the following : " Balance Increased by {$2600.00} '' I disputed this with XXXX  on XX/XX/XXXX and on XX/XX/XXXX my credit report reflected a decrease in balance in the amt of {$2600.00} However, on XX/XX/XXXX my credit report indicated the had again added this {$2600.00} amount back on. 
I have disputed it with Transunion, I have involved the XXXX. At this point, Transunion said I should file a complaint here The contact information for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a SPECIAL OFFER letter from XXXX XXXX XXXX XXXX : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from XXXX XXXX I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If XXXX XXXX never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If XXXX would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, XXXX XXXX continued to harrass me daily and report negative payment information to all 3 bureaus. 

XXXX XXXX has been removed from my XXXX credit file but the results from my dispute with Experian and XXXX   have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that XXXX 's has voluntary reported to different sources IS CONTRADICTING. 

XXXX XXXX continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive requested XXXX, XXXX and XXXX to remove AMSHER collections inc from my credit profile. Amsher has not been able to provide originating debt documents from XXXX XXXX XXXX. I requested the service address of debt in question along with agreement signed by debtor with XXXX XXXX XXXX and service type in detail.
Product: Credit reporting or other personal consumer reports

I disputed a XXXX FAIR and Out Sourcing XXXX {$7800.00} Missouri Education XXXX for {$21000.00} XXXX XXXX XXXX {$89.00} Time payment {$10000.00} Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1.

Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner.

Provide me with any documentation you rely on if the disputed information is verified as accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute.

If you fail to resolve this matter, I reserve the right to escalate the issue.

Also please remove per FCRA 605B with in 4 days of notice. The Fair Credit Reporting Act ( FCRA ) Section 605B provides identity theft victims the right to block fraudulent information from appearing on their credit reports.
Product: Credit reporting or other personal consumer reports

My vehicle was totaled XX/XX/XXXX. Wells Fargo ( lender ) was initially sent funds from XXXX to pay the acct in full, they rejected the payment. XXXX resent payment on XX/XX/XXXX ( which their executive team member XXXX confirmed to me they have received ) & he told me there was a {$130.00} balance left. I went to file a gap claim that Wells Fargo 's insurance support told me was in effect, only to find out Wells Fargo sent a notice of cancellation to them back in XXXX & never corrected the problem. So I have paid for a gap plan that has been canceled the entire time. The GAP company refunded the money to the lender in XXXX & Wells Fargo never pulled the money from their account. If they had 've done so back in XXXX, the balance wouldve been adjusted AND I wouldntve paid the interest. NOW they are expecting the refund of {$690.00} which will clear the {$130.00} & they will owe me the remaining {$560.00}. Instead they have reported negatively to my credit report, dropped my credit score my over XXXX pts & continue to refuse to correct the record or credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX is reporting that I was 30 days late on a payment in 2021. This information is incorrect and I need this removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to be remove. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate.As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on these accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below violate my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022 and 15 U.S.C. 1681 ( a ) ( 4 ). Accounts : 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

I reached out to XXXX XXXX XXXX regarding a debt they said I owed and made a full payment of the debt in return they would report the debt as paid off on my credit report. After receiving a full payment of the debt they reported the debt as a paid charge off account. I am in the process of refinancing my mortgage and this account status being reported is preventing me from being approved for the loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 


Account name XXXX XXXX XXXX XXXX XXXX Account type Charge Card I reached out to XXXX and paid the account in full in return the company agreed to have the account removed from my credit report but instead they updated the balance and left the account reported as a paid charge off account and the derogatory remarks and account status is preventing me from being approved for my loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

Account name XXXX XXXX XXXX XXXXXXXX Account type Credit card I reached out to XXXX XXXX XXXX as well and paid the account in full in return the company agreed to have the account removed from my credit report but instead they updated the balance and left the account reported as a paid charge off account and the derogatory remarks and account status is preventing me from being approved for my loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account type Credit card Responsibility I reached out to XXXX and paid the account in full in return the company agreed to have the account removed from my credit report but instead they updated the balance and left the account reported as a paid settlement instead of paid in full and the account status is preventing me from being approved for my loan. The company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account type Credit card A company by the name of XXXX XXXX XXXX in which I had ever heard of before has been contacting me regarding a debt I believe that I don't owe. 
I did not give this company my personal information and at this time I am trying to get approval for a refinance so I made a payment of {$1200.00} in return they agreed to remove the account from my credit report but instead they reported it as a paid collection. 
I have never heard of this company before the company did not provide me proper debt validation for this debt and I did not authorize them to access my credit this is violation of FCRA 15 USC 1681s-2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to address inaccuracies and outdated personal information reported by XXXX, XXXX, and TransUnion on my credit reports. Despite my efforts to update this information according to XXXX XXXX reporting standards, my credit reports still reflect incorrect details. 

The specific inaccuracies include : 1. **Incorrect Address Information** : Previous addresses are reported as current, contrary to the XXXX XXXX standards that require accurate and up-to-date information. 

2. **Outdated Phone Number** : My credit reports list an outdated phone number. Despite providing my current number in the attached XXXX XXXX reporting standard letter, the changes are not reflected. 

3. **Other Personal Information** : There may be additional discrepancies, such as misspellings or incorrect dates of birth, that need correction for my credit reports to be accurate and complete. 

These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete information. The persistence of these inaccuracies is frustrating and detrimental to my credit profile. 

I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the credit bureaus promptly update my personal information as per the attached XXXX XXXX reporting standard letter. Accurate personal information is crucial for maintaining a fair and accurate credit profile. 

Thank you for your assistance.
Product: Student loan

I applied for an XXXX under XXXX. Due to lawsuits everything is frozen. It is still in review. I tried to keep up with deferment requests but XXXX backlog got so bad their wait times were over XXXX hours. I called today, and currently on hold, I waited over an hour to be transferred to another department and the message said my estimated wait time was XXXX hours and XXXX minutes.
Product: Mortgage

Equifax on behalf of XXXX XXXX XXXX XXXX made a clerical error resulting in a fraudulent hard inquiry on XX/XX/22 that is still inaccurately shown on my credit report. Need report in order to get this illegal inquiry removed thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX Attorney, XXXX and I contacted Equifax and spoke with their Fraud team. They agreed that XXXX XXXX/XXXX provided was fraud in the amount of {$5200.00}. They were supposed to remove. 

They still have not. 

On XX/XX/XXXX I filed a new fraud/dispute # XXXX to remove continued fraud of XXXX XXXX/XXXX customer and 3 new fraud accounts from XXXX XXXX. 

On XX/XX/XXXX they requested a full copy of the last XXXX XXXX Police Identity Theft Police Report. I faxed this to them at XXXX on XX/XX/XXXX at XXXX XXXX. I will attach a fax confirmation of this. 

On XX/XX/XXXX & XX/XX/XXXX I called again to make sure they received a copy of the faxed police report and they said they did not. 

Now they say they have closed confirmation # XXXX before I could submit the police report. They just closed the file without attaching the police report. Thus not taking off the fraud. 

I have faxed in all documents of fraud to verify fraud by the XXXX XXXX, TX and XXXX, TX Police Departments. 

They promise to remove fraud, but they do not. 

These same companies have been removed correctly from my XXXX and XXXX Credit files.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. 
Per 15 USC 6801 ( FCRA ) it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Data Systems XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I would also like to point out another FCRA that will be used against you if you choose not to comply with federal law failing to indicate that you had hired a private counsel to represent you and Failed to note that on my credit report XXXX XXXX XXXX. The FCRA is very very clear about that you must and I repeat must indicate that on the consumer report. Please remove immediately Counsel I have included you to this complaint as well could you offer your input and tell us what does the FCRA states about The original creditor placing an account with a 3rd party debt collector?? What should XXXX XXXX XXXX have noted on the report when they consult you? I tell you your name should have been in remarks saying you are handling the account. 
A does the original creditors need to do this also is this required by law?? 
B the 3rd party agency add the information to the original creditors tradeline? 
C it doesnt need to report on a consumer credit file Please answer to the best of your ability counsel thank you. 
XXXX I have every single credit report that I can provide to you that XXXX XXXX XXXX failed to follow the law!! Try me!