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

Yesterday, I received reports and credit score changes for XXXX  XXXX XXXX, also known as MOHELA, loans that were reported recently. 

When reviewing my XXXX, I see updated yesterday had the same information but only showing updated details to the account from happened about deferment becoming a fixed rate. 

XXXX was given the same information leading up to this as updates, but affected my credit scores even though Im currently on deferment. And in some of my credit reporting apps they are showing as 2 separate loans entirely. 

These were reported last on XX/XX/scrub>XXXX XXXX XXXX 

Balances : Ending in account number - XXXX  {$5400.00} Ending in account number - XXXX {$3700.00} Ending in account number - XXXX {$2300.00} These were reported last on XX/XX/scrub>XXXX XXXX XXXX 

Balances added to a new account : Ending in account number - XXXX {$3600.00} {$2300.00} {$5300.00}
Product: Credit card or prepaid card

I called on XX/XX/2023 to close the account. I received a email from avant that the account was closed. Then i receive a notification from the app that i was charged the late fee and I need to pay the account. I called and advised avant that I closed the account..today I received a bill it was not a final bill. And they are reporting false info to the credit Bureau as if the account is opened. I closed it and is waiting my final bill to pay it. I refuse to pay a late fee on a account that I closed.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! 

Your agency is in violation! 
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. 
Delete this at once! 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are refusing to accept my attemots to get a lock or freeze on my accounts. EQUIFAX IS USELESS AS YOU KNOW ( PLEASE PUT THEM OUT OF BUSINESS AND EXECS IN JAIL! 
XXXX says they are too busy and to get back to them - THIS IS URGENT. 
XXXX keeps refusing my accurate information and giving me nowhere to go.
Product: Credit reporting

In accordance to FCRA XXXX XXXX, these accounts was further disputed in XXXX 2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these two accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/XXXX, 2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, XXXX, Transunion and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Bank XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX # 1486 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681S-2 ( 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 A CRIME WHICH ANTEDATES THE REPOT 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has a policy to update credit reports mid cycle if an individual 's balance has large increases. They do this for one reason, to harm consumers by lowering their credit score creating more opportunities for lenders to charge higher interest rates. I have over a year of credit reports as proof including what I am attaching to this email. 
The following attachments will show that : XXXX XXXX XXXX reports my account on the XXXX of each month Balance reported on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX On XX/XX/XXXX XXXX XXXX reported my balance of ( XXXX ) XXXX XXXX XXXX bank for reasons unknown to me and just 4 days after reporting my XXXX balance, re -reported the increased balance adding additional fees of {$1000.00} Does XXXX XXXX XXXX bank routinely furnish updated balances mid cycle or more than once per month or is there a personal reason why they did with my account? 
Whatever their reason is reporting mid cycle with my account, is this policy indiscriminate with all card holders? 

I am not asking for the deletion of the line of credit or balance I am asking for the balance as of the date the initially reported to be updated correctly which was the balance reported on XX/XX/XXXX. By removing all information would stil be deliberately furnishing inaccurate information. 
Whatever the reason or policy is, I am sure the CEO of XXXX XXXX XXXX XXXX Mr.XXXX. is aware and signed off therefore, if this is a violation, discrimination or other bad behavoir, Mr. XXXX XXXX is personally responsible. 
This information will be shared on social media, along with a complaint through the CFPB
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX 

To Whom It May Concern, I am writing to dispute the continued reporting of the above-referenced account on my credit reports. This letter serves as a formal notice that I hereby revoke any and all consent given under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) for XXXXXXXX XXXX XXXXXXXX , to report my information to consumer reporting agencies. 

Additionally, I am requesting verification of the payment history, the accuracy of the reporting, and the permissible purpose used by XXXX XXXX XXXX XXXX in relation to this account. Under FCRA ( 15 U.S.C. 1681b ), there must be a legally permissible reason to access or report information, and I request specific proof of such purpose. 

Furthermore, I would like to bring to your attention that according to IRS guidelines, canceled debt must be reported to the IRS on a Form 1099-C, which reflects the discharge of the debt. If this account has been canceled or discharged, it should not continue to be reported as delinquent or outstanding. Any continued reporting of a canceled debt is not only inaccurate but could be considered a violation of the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates maximum possible accuracy. 

To support my position, courts have consistently ruled on the importance of accurate credit reporting. For instance, in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that reporting inaccurate information can form the basis of an FCRA claim when a creditor fails to correct or clarify disputed or misleading information. Moreover, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), the court held that credit reporting agencies must exercise reasonable procedures to ensure the accuracy of information reported to consumer credit files. 

Please provide the methods of verification under FCRA ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) used to validate the information being reported. If XXXX XXXX XXXX XXXX or any credit reporting agency fails to provide proof of permissible purpose or accurate reporting, I will pursue legal remedies, including monetary damages under FCRA ( 15 U.S.C. 1681n and 1681o ) for any willful or negligent noncompliance. 

I request a prompt response within 30 days to resolve this matter. Please remove any inaccurate or unverifiable information from my credit report, as well as cease any further reporting if proof of permissible purpose or accuracy can not be provided. 

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

ATTENTION : LATE PAYMENT In accordance with the Fair Credit Reporting Act Capital One # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Which means my information will remain private unless I give Self Lender written instructions to make my information public ).

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. ( I request this account to not be reported on my credit report ).

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose ( According to the Consumer report there are no such thing as late payments ).

15 USC 1681 ( a ) ( i ) 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

This late payment is affecting my approval of a car and a house needed to support my family and is causing emotional and psychological and financial stress upon me and my family. Account is now closed and is paid in full. Late payments are inaccurate. 
Remove the late payment or deleted the account.
Product: Checking or savings account

XX/XX/XXXX, {$2000.00} was sent to an account that Never provided any service. Unfortunately I was scammed
Product: Debt collection

I received my credit report and notice debt from this agency on XX/XX/XXXX. In XX/XX/XXXX, I wrote a letter and sent it certified mail asking for proof that this was my debt and where I owed the company. The company failed to respond sending the information I requested. In XX/XX/XXXX the company had yet to respond so I sent another certified letter requesting this information to be validated and since it could not be validated to be removed from my credit report. The company will not respond to any of my requests nor follow up and the debt is in the amount of {$150.00} from XXXX XXXX XXXX from XX/XX/XXXX. 1. This balance was paid in full by my insurance company before XXXX XXXX XXXX closed. 2. The hospital was purchase by XXXX XXXX and they did not update my account information to show paid in full. 3. All of a sudden no one can find my bill nor services from that date in XX/XX/XXXX. 4. This company wrote me out a hand bill physically which does not prove anything.
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 confidentially under 15 USC 1681. 

Bankruptcy XXXX XXXX XXXXXX/XX/2017 Discharged Bankruptcy XXXX XXXX XXXXXX/XX/2017 Dismissed Bankruptcy XXXX XXXXXXXX Dismissed Bankruptcy XXXX XXXXXXXX Dismissed Bankruptcy XXXX XXXXXXXX Dismissed
Product: Debt collection

after reviewing my credit profile I discovered a discrepancy on my credit profile listed under midland credit management with the account number being XXXX validation of this debt has been requested on several different ocasssions and to no avail I first requested debt validation on XXXX of 2022 then I requested it again on XXXX XXXX 2022 this account is still showing up on my credit report and it has not been validated or updated do not belong to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. my most recent attempt to get this debt validate was on XX/XX/XXXX and I still haven't received any debt validation yet and I sent them all certified and enclosed is a copy of my latest attempt to get this debt validated.
Product: Credit reporting or other personal consumer reports

I spoke to a representative at credit bureaus and I mailed letters of dispute and they did not conduct a thorough investigation but claimed they did and that the debts were verified without providing lawful proof. This is pertaining to XXXX, Equifax, and XXXX. They all responded in the same unsatisfactory manner. I NEVER gave consent to have any of my information published.
Product: Checking or savings account

On XX/XX/23 morning, I went to Wells Fargo Bank to check on my accounts. 
I was told that {$40000.00} was wired out of my checking account, and another {$50000.00} was wired out from my same checking account to my business XXXX account, on XX/XX/23. 
Then immediately {$25000.00} was in the process of wiring out of my business XXXX account. 
I was shocked, and asked them to stop it immediately, and get the funds back to me accounts. 
In the same morning I reported to Wells Fargos Lost Prevention Center, and got Case number # XXXX for the {$40000.00}, and Case number # XXXX for the {$25000.00}. 
In the following days, I called them everyday to find out results. 
The {$25000.00} was intercepted and credited back to my XXXX account. 
But there was no information provided for the {$40000.00}. 
Wells Fargo refused to take responsibility for this Unauthorized Fraudulent wire transferring, and refused to pay me back this {$40000.00} caused by its negligence. 
In Wells Fargos Deposit Account agreement page 19, it says : we will follow a security procedure to verify an instruction to send a funds transfer from your account, whether we received the instruction in person, in writing, by phone, or online or mobile, Wells Fargo failed to do their job to verify the transactions with me, neither by my cellphone, nor by my landline home phone. 
Wells Fargo should return my {$40000.00} back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper spelling of my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION 3 SOCIAL ON THE BUREAU NOT MINE CRA AND HIPPA VIOLATION COSTING ME HIGHER RATES THEY MUST REMOVE THE THOUSANDS OF DOLLARS THEY COST ME EXPERIAN TOTALLY MESSED UP MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all of my Inquiries on my credit reports from XXXX and XX/XX/XXXXand they did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them. The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance C. C. Employment D. D. Court Order
Product: Credit card

The bank USAA refuse to remove my name from a credit card over which I have no control. The card is not in my possession, it belongs to my ex-wife. She has complete control over the card, it 's balance and all payments associated with the account. It also carries a high balance, and this negatively affects my credit rating. I simply want to have my name removed from the account and to have my credit rating restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX factual data  XXXX XXXX XXXX XXXX XXXX, OHXXXX has violated my rights. ( XXXX ) XXXX XXXX hard pulls on my credit XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX 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: Checking or savings account

NETSPEND ( XXXX ) On XX/XX/22 i reported to Netspend because i found out in my account had : - XXXX fraud transaction ( different address and different name ) XXXX unauthorized transactions XXXX transactions canceled ( receipt included ) on next day, NETSPEND email for me let me know i have to waiting unstill XXXX will provisionally credit my account .... i am waiting ... .2 weeks than on XX/XX/22 i called for NETSPEND customer service to asked about dispute with claim number is XXXX, but the supervisor at NETSPEND yelling and argue to me really really mean and rude she said " i have no idea about your dispute claim, XXXX XXXX waiting ok .... '' i am waiting still XX/XX/22 NETSPEND email for me and denied my claim even though when i reported to NETSPEND i poof all documents i unrecognized transactions because different address and different name. NETSPEND said they are denied because all transactions listed on the claim was valid????? 
Enclosed are copies of statements, FTC identity theft report, documents included support for my case. 
NOW, i dispute all the transactions on the list with the card last XXXX ( XXXX ) i am requesting that the charge be refund money back to my account, that any finacial and other charge related to the fraudulent amountbe credited as well.and that i receive an accurate statement hope CFPB help me to solve this problem.thanks
Product: Money transfer, virtual currency, or money service

I am unable to log into my venmo account. I get an error code every day. I have submitted my id & a self with my id like I was asked. I need access to my account on demand. Not whenever venmo things I should be allowed.