23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting a follow up to dispute these remaining entries as a result of erroneous information reporting. The disputed items are not connected to any transactions that involve the acquisition of goods, services, or money that I have conducted or authorized. Please proceed with the removal of these entries from my credit report, as they arose from inaccurate reporting. These entries are unfamiliar to me, and I have concerns about their accuracy since similar entries have been deleted by other credit bureaus. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) concerning the authority to decline or rescind inaccurate information, I request the following entries be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -EQUIFAX 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 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 XXXXXX/XX/XXXX. Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged erroneous information reporting. I appreciate your prompt attention to this matter and await your reply.
Product: Checking or savings account

Dear Staff at CFPB, I experienced fraudulent transactions on my XXXX  Mastercard which happened on XX/XX/2021 while I was asleep. I'm a currently a XXXX driver and I use their card that they provide to drivers. It is a Mastercard through XXXX XXXX  which XXXX use for their drivers to get their money to be deposited to their card after every ride. 

I have filed and call on multiple occasions for the amount of {$1000.00} to be refunded back to my account and they are refusing to refund me on time. They kept mentioning investigation takes 60 days through the XXXX compliance team before they can refund me, and it's been since XX/XX/2021 and it's XX/XX/2021. 

Those chargers were not made by me and I XXXX search the merchants myself and they don't exist at all. They mailed me a new card but I have not get my refund back yet. 

I found out through their representatives that their financial institution is not FDIC insured. 

Those fraudulent transactions were made by a merchant called ( XXXX XXXX ) Merchant name : XXXX XXXX : {$6.00} {$220.00} {$6.00} {$220.00} {$16.00} {$540.00} XXXX {$1000.00}
Product: Debt collection

I received several harassing phone calls from Collection Agencies representing XXXX XXXX XXXX XXXX   indicating that owed {$470.00} for a debt dating back to XX/XX/XXXX. The first Collection Agency identified themselves as XXXX XXXX XXXX in XXXX Illinois, Representative XXXX XXXX, she provided an address of XXXX. XXXX XXXX, XXXX, Illinois. XXXX XXXX XXXX. That called was initiated on XX/XX/XXXX. I informed her at that time, that I did not have an account with XXXX XXXX XXXX XXXX   much less owed them anything. 
On XX/XX/XXXX, I received yet another phone call from CBE Group indicating that they were representing XXXX XXXX XXXX XXXX in an attempt to collect a debt. They had my former name and asked for my social security number. That call was generated by phone number XXXX, and the caller refused to identify herself. She however, informed me that the telephone calls will continue until they I paid what is owed. I am a senior citizens with health conditions and find this abusive. I spoke to an Attorney who informed me that this is some type of Zombie Debt method that is used to force payment. I was also advised by the attorney that oftentimes these companies will show a payment received with a current date to continue their level of harassment and to circumvent the law. My concern is that this is not a debt that I owe and it is well over 28 years! In addition, I have learned through my research that XXXX XXXX XXXX XXXX is defunct. I requested that they put it in writing and to date have received nothing from either collection agency.
Product: Mortgage

Wells Fargo website advertising Streamlined Refinance Considerations You must be an existing Wells Fargo Home Mortgage customer. 
You can not do a cash-out refinance or a refinance requiring a title change through the streamlined refinance program. 
I have Adjustble 30 year mortgage, nohwere on wedsite including small print indicated what type of loan is qualified for streamline refinace at now cost, I was rejected becouse my loan was not qualified. 
This is False advetising by Wells Fargo to attract phone calls for W.F mortgage depatment
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, Equifax and XXXX three times to dispute inaccurate accounts on my credit report. They have responded both times and stated they have verified/updated the accounts. However, they have provided no proof and only an updated credit report. They have violated multiple laws according to the FCRA. I have demanded to have these accounts deleted from my credit report which has not been done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my wife joined 3 years ago XXXX XXXX XXXX XXXX. The got the personal loan I had with XXXX XXXX XXXX because my wife signed as cosigner. During the debt consolidation program XXXX  collect some of the debt from my wife through XXXX XXXX XXXX but they did report it to XXXX and XXXX as rightoff and bad credit and they didn't report that some of the money is paid off. This happened also with Bank of America. Here I paid some of the debt through XXXX XXXX XXXX but is not reported to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I do not agree with Synchrony Bank 's forced arbitration agreement on the Amazon credit card. I tried to cancel on the phone, but the phone representative from XXXX was hard to understand combined with its cheap VOIP phone line going in and out made it impossible to tell if they really cancelled my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. Myself and my adult Children XXXX XXXX, and XXXX XXXX lived at XXXX XXXX XXXX in XXXX, TX in XXXX  ( XXXX XXXX XXXX ). When we moved from XXXX XXXX XXXX, there was a balance owed to which XXXX XXXX sold the debt to Procollect. ProCollect was paid in full for the outstanding amount of {$1.00}, XXXX on XX/XX/2017. ProCollect continues to report that the debt remains outstanding. I have applied for an apartment and ProCollect is showing as an outstand balance to XXXX XXXX Townhomes. I and my daughter XXXX have attempted to reachout to ProCollect to resolve the issue as time is of the essence and are getting stonewalled. The apartment complex that we are applying to has agreed to hold the unit until close of business Monday after that we will loose the unit to another family. The account number for ProCollect is : XXXX. We are dealing with a XXXX XXXX. The bill was paid with a XXXX credit card and I am attaching a copy of it as proof.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXAccount 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 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 ) ( 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: Debt collection

The purchase date of the vehicle is XX/XX/XXXX, the vehicle was financed by XXXX XXXX XXXX XXXX, repossessed in the state of Louisiana, and sold by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX. 
Under the laws of Louisiana and UCC 9.506 as well as State XXXX and XXXX  statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC :
Product: Credit card or prepaid card

I applied for an XXXX XXXX XXXX  card through Chase at the end of XX/XX/2022. The offer I accepted for was for 0 % 12 months on purchases. I have been making my purchases and started carrying a balance as i thought there was 0 %. I do everything paperless and I happened to look at my last bill as I have been doing some remodeling to my house and noticed a finance charge. I called Chase and they said I do not have 12 months at 0 %. I asked to speak to a manager who was XXXX  and said they have no reference of that and I would be paying the interest charges. I asked to file a complaint with the executive office, he said he logged the complaint and there was nothing else to do. 
I have paid XXXX, XXXX and XXXX thus far in interest that I should not be paying for. 
I have not missed any payments and make more than the minimum payments so there is no way that I voided the XXXX months.
Product: Payday loan, title loan, or personal loan

I took out a loan with this company on XX/XX/XXXX for {$3300.00}. I paid my payment on time for several months. I then hit a financial hardship due to a health condition ( that is still on going ). I tried to contact the company for several months to set up a payment plan and they would not respond. Finally I got through to them and this is their response : " Date Arrangement is set up : XX/XX/XXXX Thank you for contacting us to set up a payment arrangement for your loan #  LOANNUMBER which has been accelerated. Our records indicate you have a past due balance of {$9500.00}. This payment arrangement will replace any existing installments or scheduled arrangements outlined in your original contract if adhered to and can not be changed or canceled. The plan we have setup is detailed below. 
{$120.00} due on XX/XX/XXXX via DC and $ 125 monthly through XX/XX/XXXX. '' I did some research and was shocked that they are charging me {$6200.00} in interest. If I could have afforded this amount, I would have paid it much sooner. 

They are scam artists who play on individuals. Payday loan lenders are " sharks '' and I made the mistake of going with this company. They just keep taking advantage of the consumer even when their is a true hardship. They do not care. 

I agreed because I did not know what else to do. Since I have researched I need help in getting the finance charges removed. I own the debt but can not afford all that interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has, for over a year, incorrectly reported my balance and continues to ignore my repeated requests to fix my account status with their company. I filed bankruptcy in XXXX of 2019, entered into a reaffirmation agreement in XXXX of 2019 ( attached ), and had the debts in my case XXXX in XXXX of 2019. I have made every payment on time since signing the reaffirmation agreement and have never once, before or after the agreement, been late or missed a payment. Yet when logging into my account, I still can not see my balance, the website shows my account in bankruptcy ( images attached ). My credit reports routinely have an incorrect balance owed because they don't update when I make my monthly payments. I have not received a single statement since entering into the reaffirmation agreement and they're not available online either. This results in an overstated amount owed on the loan on my credit reports.
Product: Credit reporting or other personal consumer reports

Remove the following addresses as they are NON-MAILABLE address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I instruct EXPERIAN, XXXX, and XXXX to remove this non-mailable address. Remove all recent hard inquiries pursuant to 15 USC XXXX. Any new inquiries are UNAUTHORIZED transactions. Also, remove any and all CHARGE-OFFS from my credit reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF XXXX and the FCRA XXXX. EXPERIAN, XXXX, and EXQUIFAX are reporting INCORRECT INFORMATION. All three above-mentioned Reporting Bureas continue to violate my rights when I have written to these Reporting Bureaus on a vast number of occurrences requesting procedural verification methods/investigations and providing me with proof of who and where you confirmed your alleged information that is being wilfully and fraudulently reported. I have counted well over XXXX inaccuracies with EXPERIAN, XXXX with XXXX, and XXXX with XXXX as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am owed compensation for your negligence, noncompliance, and knowingly reporting inaccurate information even after investigations have been completed, causing harm, threat, stress, and anxiety to mine and my children 's livelihood. See the attached evidence.
Product: Debt collection

Someone open account XXXX XXXX  my information company report to my credit report
Product: Credit reporting or other personal consumer reports

I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) and formally request the immediate removal of charged-off accounts from my credit report. The presence of these accounts not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that consumer credit information reported by credit reporting agencies must be accurate, relevant, and timely. However, the charged-off accounts listed below fail to meet these standards and must be removed without delay : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$18000.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
Balance : {$3300.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$1400.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Balance : {$2600.00} ( as of XX/XX/XXXX ) Furthermore, I have never received a 1099-C Form related to any of the alleged debts. It has come to my attention that these companies have utilized the debts as tax write-offs without providing proper notification, which further exacerbates the inaccuracies on my credit report. 

Per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action to enforce my rights under the FCRA. I expect your prompt attention and cooperation in resolving this matter. 

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

Unauthorized use of credit report. I'm not submitting my personal information through this portal. I don't want my information to be breached. I've provided address, DOB, last four of SSN.
Product: Debt collection

1st letter attempt XX/XX/XXXX 2nd letter attempt XX/XX/XXXX 3rd letter attempt XX/XX/XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX FIN Account Number : XXXX and list of Inquiries. 


XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.