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

I payed off the Debt of {$160.00} to XXXX since Amsher Collections told me XXXX bought back the debt account so went on the XXXX to pay it off. Since Ive paid it off they told me wait a month I did and nothing now its been four whole months and its still showing on my credit report. Ive called several times at XXXX  and submitted a dispute on XXXX only to get my dispute closed. Ive called XXXX they said they cant do nothing about its up to XXXX to remove the inquiry. Please someone help me reach out XXXX  for them to fix their broken system.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX account number XXXX for XXXX I called them billing at XXXX XXXX XXXX they dont have a billing for me but for some reason they are showing on my credit report of {$50.00} im asking this be removed from my credit and send the report to XXXXXXXXXXXX thank you XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

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

On XX/XX/2022, Discover was notified via certified mail ( receipt attached ) of settlement in full offer for {$1000.00} for the account balance of {$4000.00}. The settlement agreement was if endorsed check was cashed/deposited ( receipt attached ), that the account would be deleted ( receipt attached ) with no derogatory items listed on the credit report. 

On XX/XX/2022, the endorsed check was deposited ( receipt attached ), and the account was not deleted, nor negative items removed from the credit report. 

On XX/XX/XXXX, the account was only updated to reflect the amount of {$1000.00} being paid toward the balance of {$4000.00} on the credit report. 

Discover has failed to uphold and adhere to the settlement agreement and if not updated as stated in the certified letter, suit will filed for the amount of {$1000.00} plus attorney and court fees.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were 7 late payments and 3 late payments with XXXX XXXX XXXX, and 4 late payments with XXXX XXXXXXXX XXXX XXXXXXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please look below view attached proof of the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your Promptness attention to this dispute these late payments and look forward to a resolution in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # ( 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 a account without my written instructions.
Product: Credit card

I do not consent to e-OSCAR verification, I want a real human being to read this complaint. I sent in through registered mail a security to INDIGO/CONCORA CREDIT. The security was received at the location INDIGO/CONCORA CREDIT instructed me to send to. INDIGO/CONCORA CREDIT did not credit my account from the dividend payment that the company made off my treasury coupon. Did not credit my account via the electronic transfer fund act of the interest on my treasury coupon. I tendered the coupon I received according to the XXXX laws, but INDIGO/CONCORA CREDIT is infringing upon these laws and also the many laws that govern my federally protected rights as a federally protected consumer. " XXXX. DISCHARGE BY CANCELLATION OR RENUNCIATION. Primary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. ( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement. ( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record. '' According to UCC 3-604 the debt is automictically discharged for the non-compliance of the company after I fulfilled my obligation according to UCC 3-603 . I don't know what INDIGO/CONCORA CREDIT is doing with my security I sent in, but they are committing security fraud, and I have not received my security back. The security hasn't been returned to me so I'm assuming INDIGO/CONCORA CREDIT is stealing from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to all 3 bureau on XX/XX/XXXX asking to verify the following accounts and ensure that all of the information on them were accurate and correct. Each letter was mailed through XXXX and delivered. After about 45 days I received a letter from each stating that they updated some DATES and everything else was accurate. Upon very carefully reviewing my credit, these accounts still show a number of alarming discrepancies. There are multiple important dates, balances and even account status errors that I came across while conducting my review. 

The following are all of the accounts i request be reviewed. today is XX/XX/XXXX and all of the information for these accounts are incorrect. 

Account : Unsecured Loan Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Educational Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : Credit Card Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


In accordance with the Fair Credit Reporting act these accounts have 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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT WRITTEN INSTRUCTION.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX XXXX XXXX XXXX placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt. 

Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The latest dispute letter I received from XXXX XXXX was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status. 

Every time a dispute letter was sent, XXXX XXXX constantly sent me a copy of bill from Arizona XXXX XXXX which they are using for their METHOD OF VERIFICATION. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION. 

As of current, Ive only gotten responses back from the dispute letter Ive sent to XXXX XXXX from XXXX, XXXX and Equifax stating that the debt was valid. 

As of XX/XX/XXXX Ive yet to hear back from XXXX XXXX XXXX how and why the debt was valid with no method of verification. 

Since the debt was last disputed on XX/XX/XXXX, XXXX XXXX has again willfully violated the FRCA by not responding to my dispute. 

XXXX XXXX XXXX has not responded within the required 15 day deadline of sending their METHOD OF VERIFICATION. 

Not only they have not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX. 

I have previously reached out to XXXX XXXX XXXX several times with all required documentation concerning this alleged debt. 

I have have asked XXXX Systems for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE. 

As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well. 

This is the Information that the credit bureaus are supposed to store in their database on every consumer. 

As well as 609 ( c ) ( E ) As of XX/XX/XXXX XXXX XXXX XXXX is still reporting all negative Information about this alleged debt to all three of my credit reports. XXXX, XXXX and Equifax. 

I am asking the Consumer Financial Protection Bureau to investigate the non compliance by XXXX XXXX and the disputes that i have submitted.
Product: Checking or savings account

I Am reaching out to whom this may concern, I experienced fraudulent activities on my bank account my bank is chime ( chime.com ). On XX/XX/2020 I received several calls from a number I wasnt familiar with. After 2 missed calls I started receiving notifications from my chime app and email it told me I had fraudulent activities on my account, it tells me its from XXXX, Florida which I do not reside there ( Red flag ) for me. I then get another call and I answer I hear hello this is chime calling about your account I see you have 2 fraudulent transactions on your card ... I felt awkward about the call so I ask if I could speak with a supervisor and another person came on call so I assumed it was the supervisor and proceed to answer the notifications he sent to my phone I honestly thought it was chime because the person was modifying my phone everytime he changed information on my account during this time the 2 fraudulent transactions made he took out a savings of XXXX from my savings account. Once he paid for the 2 fraudulent transactions the call hung up, I immediately panicked and called the number back I get the chime automatic services which confused me I was so mad because I thought someone from chime one of the agents just scammed me so I was going off as well as writing support to relay a scam just happened in the mist of the resolving my account they are now telling me I made the transactions after I submitted every document and I have every evidence. I mean this process has been stressful Ive havent gotten much sleep knowing a thief can just call my phone and take from me during the holidays and chime seem to not be concerned with whats really going on so I am trying to go further with feeling safer as well as making sure this doesnt happen again
Product: Credit reporting or other personal consumer reports

I am disputing this because the creditor did not provide me with a Form 1099-C ( Cancellation of Debt ). According to IRS regulations, creditors are required to issue a 1099-C when they discharge {$600.00} or more of a debtors obligation to repay. The lack of a 1099-C suggests that the debt may not have been legally canceled, and therefore, the write-off should not be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Social Security shows that I owe {$15000.00} by which I don't owe any such amount. Please remove this item off of all 3 of my credit reports which is showing on experian, XXXX XXXX, and XXXX. The dates is XX/XX/XXXX that it shows open There's also an account that show for XXXX XXXX XXXX which I don't owe I never had it shows the date of XX/XX/XXXX and amount of {$990.00}
Product: Debt collection

I received several letters about a debt collection for a service provided by " XXXX XXXX XXXX XXXX '' by Central Portfolio XXXX on the date of service XX/XX/XXXX in the amount of {$2300.00}. I was not the recipient of any XXXX XXXX on this date. I did not receive any bills or notifications about this debt until it was sent to collections. I called my hospital and could not find any records of service or treatment for this date. I have verified that I did not receive any services within three months of this date. I have NEVER received a hospital bill for this amount on this date. I have never been informed of any outstanding bill and have verified this multiple times. 

I have previously disputed this debt as fraudulent and had it removed from my account. The debt was then sold and added to my credit report. I have attempted to dispute this account with no relief. I have not received any itemized list of any hospital or medical charges. The collector could not and would not provide me with any information about the service. 

The final notice was sent by XXXX XXXX  which is known for fraudulent debt collection on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Debt collection

Collection placed by XXXX XXXX in XX/XX/XXXX. The phone did not work in rural area, I was alone with no service on my cell. XXXX was the only service that worked. XXXX agreed to not pursue the remainder of the contract, they sent it to collections after agreeing not to pursue the balance. The collection agency is reporting it as of XX/XX/XXXX, this is from XXXX. It has hurt my credit rating several times when applying for loans, higher percentage of interest. The collection is going to be removed XX/XX/XXXX due to the expiration of 7 years on a credit report. I contacted the collection agency over the report in XX/XX/XXXX so they changed the collection to read it was opened in XX/XX/XXXX, this is from XX/XX/XXXX. I have been with XXXX XXXX since XX/XX/XXXX due to this cellular not working. This has stopped me from applying for a mortgage to get a new home. I tried to reduce the rate on a current loan I have and due to this collection report incorrect, it was denied. I cant apply for any loans till after this is removed. I have talked to several XXXX customers and this company is ruthless in sending out collections for a product that doesnt work.
Product: Credit card

XX/XX/XXXX I spoke to XXXX, Target Dispute associate regarding the letter I received on XX/XX/XXXX, disagreement with my claim disputing a payment of {$330.00} posted to my Target Red card on XX/XX/XXXX. The letter was dated XXXX, XX/XX/XXXX. Account ID : XXXX. The letter from Target Dispute Resolution, claimed I made the payment of {$330.00} on XX/XX/XXXX, after setting up an Auto Pay on XX/XX/XXXX. I set an XXXX XXXX on XX/XX/XXXX for {$45.00} and advised the Dispute XXXX XXXX on XX/XX/XXXX. I made XXXX aware of my email alert from XXXX on XX/XX/XXXX regarding the enrollment in Auto Pay and the amount was not {$330.00}. I also advised XXXX the Auto Pay enrollment was cancelled by me on XX/XX/XXXX. I was charged a fee of {$27.00} and {$1.00} regarding the disputed payment I DID NOT MAKE. I provided a copy of my XXXXXXXX XXXX checking statement and my bank also reviewed my checking account with me in person and by telephone, and each time told me {$330.00} was never presented to the bank and it was never returned for insufficient funds. This is the second letter I received from Target after trying to resolve this issue. Target closed my account stating the {$330.00} was returned by my bank but I never made the payment. I advised XXXX of my email alert I received on XX/XX/XXXX, auto payment enrollment, amount {$45.00} not {$330.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY! 

Delete reported data NOT certifiably COMPLIANT XXXX  XXXX - XX/XX/XXXX XXXX   - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX
Product: Debt collection

I noticed that the company Trident Asset Management was reporting on my credit report for the amount of {$920.00} for a credit card account with XXXX XXXX XXXX that was opened XXXX XXXX. I have never had a credit card with such company, was never contacted by Trident prior to them reporting to my credit report on XX/XX/2020, and they refuse to correct the erroneous reporting on my credit report or to look into the false debt. I called their customer service line multiple times, with no success. This needs to be removed from my credit report immediately. 

Thank You
Product: Checking or savings account

I have been a customer with Wells Fargo for over 20 years, and Wells Fargo has charged me an over draft fee on {$1.00}. and change. If the bank pays out less then a couple of dollars there is no reason I should be charged {$35.00}. I was extremely disappointed that I was a customer for so many years yet still was charged an overdraft fee. When I called in to complain I was told I could get a partial refund. I think that was ridiculous as I was a long time customer and figure it's just a way Wells Fargo looks to make money off of their clients. It's no wonder this economy is the way it is. There is always someone trying to get over.