23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received two text messages from IC System Debt Collector on XX/XX/2024 claiming that I owed money to XXXX Mobility and that I could pay the XXXX  % to settle this debt. When I called the number they provided, they could not provide any information about the debt, where it came from, the amount, what the nature of the debt was ( past due bill, unreturned equipment, etc. ). When I checked my collections on my credit report, no such debt existed. Additionally, I have not done any business with XXXX for many years and have never received any notice from them that an amount was owed. This is the second time within a year that I have been contacted about this debt that I supposedly owe. I believe they are operating off of some kind of bad information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

{$1300.00} was sold to this company. I wasn't aware I owe this debt. There is a SS # on this credit report I have a common name
Product: Credit card

RE : Method of Verification Request for Account Listed in CFPB Complaint No. XXXX To whom it may concern, I am writing to formally request the Method of Verification ( MOV ) used to verify the accuracy of the information you are reporting on my credit report, specifically regarding the account reported by Apple Card/Goldman Sachs Bank USA . This account is listed as having a charge-off status with an outstanding balance of {$3100.00}, which I have previously disputed through both the Consumer Financial Protection Bureau XXXX CFPB ) under complaint number XXXX and directly with the credit bureau. 
I am requesting that you provide the following : XXXX. The specific method and process you used to verify the information related to the charge-off status, the balance of {$3100.00}, and the payment history. 
XXXX. The name, address, and contact information of any party involved in verifying this account information. 
XXXX. Copies of any documentation, records, or other tangible evidence that you used to verify the accuracy of the reported information. 
Statements Are Not Sufficient for Verification : In your prior response, you may have referenced account statements or payment reminders sent by Goldman Sachs Bank USA as part of your verification process. I want to make it clear that under the FCRA, generic account statements or documents generated solely by the creditor or creditors system can not be used as sufficient verification of the accuracy of the reported information. Any documents used for verification must be tangible evidence that accurately reflects the legitimacy of the debt, such as signed agreements or transactional records, not just statements or notices. 

The continued reporting of inaccurate information on my credit report is damaging to my credit standing and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit card

- XXXX & XXXX XX/XX/year> : Contacted Wells Fargo about terms of use of their Reflect card with 0 % for 21 months. I needed to make a large purchase by XXXX XX/XX/year> to get the discount offered by the retailer. XXXX different Wells Fargo representatives assured me that, if approved online, I could make my purchase - PRIOR TO RECEIVING MY ACTUAL CREDIT CARD - through the Wells Fargo app on my android cell phone, using the Digital Wallet feature. I again reiterated that I needed to ensure that I could use this feature for my large purchase prior to receiving my actual credit card. Both Wells Fargo representatives concurred that I could. 
- XXXX XX/XX/year> : I applied online and was immediately approved for the Wells Fargo Reflect Credit Card with the 0 % for 21 months. 
- XXXX & XXXX XXXX : I spoke with XXXX different Wells Fargo representatives to get the Wells Fargo XXXX XXXX feature set-up on my android cell phone. Finally- after at least a total of XXXX hours over XXXX days, the final representative assured me I was all set-up and I could make a purchase. 
- XXXX XX/XX/year> : I tried twice to make the purchase using the XXXX XXXX but was DECLINED. Wells Fargo Fraud Dept. called me to verify my purchase but informed me it may not be approved because I didnt have my actual credit card - COMPLETELY CONTRARY TO WHAT THE THREE PREVIOUS REPRESENTATIVES HAD ASSURED ME! He told me to try the purchase the following day. He provided me the direct fraud dept. phone # XXXX and informed me to call them direct with any further purchase problems. 
- XXXX XX/XX/year> : I went back to the original retailer to make my purchase- again I was declined using the XXXX XXXX app. I immediately called the fraud dept. After over XXXX minutes talking to XXXX representatives, I WAS TOLD I COULD NOT MAKE THE PURCHASE SINCE I DIDNT HAVE MY ACTUAL CREDIT CARD!!! 
CONSUMER COMPLAINT : Wells Fargo is employing fraudulent claims to consumers. Before I applied for their credit card, numerous Wells Fargo representatives assured me I could use my account PRIOR to receiving the actual credit card by using their app and XXXX XXXX - however, they knew this was misleading and false. Request CFPB immediately formally notify Wells Fargo to cease and desist providing false information to consumers.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX regarding the misinformation that is currently reporting to my account. They assured me that they are reporting info from their records to the reporting agencies. I am uploading documents showing proof of the inaccuracies that are affecting my credit. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account # : XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Vehicles paid off and are on my report as repo, I have docs to show cars are paid in full. 
Sent info in to XXXX XXXX Experian certified mail 3 times, items never removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results.

2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. 
As per these allegations, I am concerned that the inaccuracies on my report may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. XXXXXXXX XXXX  XXXX ACCOUNT # XXXX {$830.00} XX/XX/XXXX XXXX XXXXXXXX XXXX ACCT # XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX I am providing documentation to support my claim, including : Police Report, FTC ID Theft Affidavit Dispute letter, ID social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately
Product: Mortgage

I complained repeatly and demanded to correct violations and Nationstar Mo rtgage, LLC did  not take action to correct problem s. Nationstar is a servic er only, pursued the goal of foreclosure on behalt of the  XXXX  or  XXXX  that no real interest in the alleged loan, has no standing to foreclose on my property. I try to resolve problem by applying for loan modification through the  XXXX   XXXX   XXXX   ( H UD  ). In three  months, I was requested for the application ( R MA ) three tim es, plus other required documents repeatly and no single point of contact. On  XXXX   XXXX  and  XXXX   XXXX ,  2017 , I wa s requested to resubmit the third RMA and other documents. While my mod is under " Review '', Nationstar insiste d go ahead schedule for trustee sale on  XXXX   XXXX ,  2017 , which is next week. Nationstar advances for servicing-related expenses fees-such as attorneys ' fees, escrew.force-placed insurance charges, and foreclosure-related expenses. This misconduct and behavior of Nationstar are not acceptable, but they are acceptabls for a disgrace legal system with the judges who are partners with the banks except a few who have fundamental right. They trade human suffering with profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX unauthorized credit inquires on the report. 
My information was compromised from XXXX  data hack my information was compromised and used my identity. 

Company was notified by mail but refuses to remove them from XXXX  credit report. 
XXXX  refuses to remove them also
Product: Mortgage

On XX/XX/21 a payoff request was made by my new lender. After a week of not getting one from loancare llc, the new lender requested that I call to get a payoff. I made a request online XX/XX/21. I then called for a follow-up XX/XX/21. I was told it tastes two business days. I called again XX/XX/21, got nowhere and was hung up on. Most recently, I called again XX/XX/21, and spoke with XXXX. Her ID was XXXX. She told me it's going to take 3 more business days, she promised I would have the payoff by XX/XX/21. Their agents lie just to get you off of the phone. They are misleading, and but to be trusted. 

Loan Care never answers the phone in a timely manner. It always takes hours on hold to reach them. When they are overly busy, which is always, they route calls to " loss mitigation '' ... So you end up in the wrong department. Then you get to wait again for them to transfer you.
Product: Credit card or prepaid card

On XX/XX/XXXX a check was mailed to Comenity Bank XXXX XXXXXXXX XXXX XXXX for {$1900.00} through my refi on my home by the escrow title company. The title company accidentally referenced my XXXX rewards number on the check and not my account number. The check in turn was still cashed on XX/XX/XXXX by Comenity Bank and the amount has not been applied to my account. My issue is they could have contacted me by researching the rewards number and found my contact info. I have supplied them with the check number and also with an actual copy of the cashed check and a detailed letter of what happened. As of today XX/XX/XXXX the {$1900.00} still has not been credited to my account and it is still accruing interest on the high balance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX XXXX XXXX USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Mortgage

We paid off our mortgage on XXXX XX/XX/XXXX. We paid it off 20+ years early to get out from under them. We have yet ( XXXX XX/XX/XXXX ) for Lakeview Loan Servicing , LLC to send the lien release documents to our county to process the title. They are essentially holding our house hostage. I have called numerous times to try to resolve this. I have been hung up on, dropped from calls, been talked down to, endured literally hours on hold, never talked to the same person, had the issue escalated and supposedly expedited. I was never rude, but my frustration with the process was evident. I even apologized for my frustration! I have NEVER had this kind of difficulty with any company, including Medicare! All we want is for them to send the lien release documents to the county. Our county has NEVER received anything from XXXX. I am considering legal action, but to pay extra for something the company should be doing is outrageous! They were fine so long as we owed them money, but the minute the loa was paid off, it has been a different story.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card is automatically debited each month for access to my credit score BUT when I try to access it they are indicating I dont pay for that service when in fact I DO. I want proper access OR a complete refund for payment of NON- service. I have checked online for the monthly amount to verify what they charge for this service. It is still the same. I have NEVER received ANY notification indicating I can no longer receive my score.
Product: Credit card or prepaid card

I made a credit card payment to Barclays Bank on XX/XX/2022 in the amount of {$920.00}. Barclays sold my credit account to XXXX Bank and neither bank has given me credit for that payment made. XXXX has referred me back to Barclays. Barclays attempted to communicate with XXXX and XXXX from the XXXX XXXX has called me, but previous claim is now closed even though this situation is not resolved. XXXX continues to be non-responsive. I have also filed an action with the XXXX against XXXX over this. I would like proof from Barclays that they received my payment based on the transaction information I provided them, as well as proof of them sending it to XXXX. I would like my refund of {$920.00} immediately. I have proof of payment from XXXX Bank including the credit tracing number. 

Previous Claim # XXXX
Product: Credit reporting or other personal consumer reports

I have written letters for years to XXXX for validation of debt according to Fair Debt Collection Practices Act I have disputed these items dated back to 2018, Every time I ask for validation they never have given me any validation that I request and they have never removed this inaccurate information from my credit report keeping me from having the ability to purchase a home for my family and other things that would help my lively hood I would like to have this information be removed and taken off my credit report according to my rights through the Fair Debt Collections Practices Act Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

**XXXX XXXX ( XXXX  ) **XXXX XXXX XXXX ( XXXX  ) **XXXX XXXX XXXX XXXX** Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Product: Debt or credit management

By illegally collecting upfront fees for telemarketed credit that wasnt allowed and I wasnt aware of it
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I have discovered that there are still unauthorized inquiries present. Despite my previous communication with Equifax requesting a reinvestigation, the issue remains unresolved to this day. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX - XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX - XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I have not had any solution to nun of the Financial Complaints I have file with cashapp involving fraudulent transactions