23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Reese Law Group out XXXX, Ca. has been very uncooperative, in resolving my legal matter. 
I've satisfied my judgement as per our agreement with them, I've dealing with this company for over 3 years now, they been horrible in communicating with me. 
I agreed to settle the judgement, which I paid in full as per our agreement, I held my end of the deal, and they have not. 
I been waiting for a satisfaction of judgement since XX/XX/2021 I'm the middle of refinancing my property, and I'm at Reese Law Group 's mercy. 
Please help me resolve this legal matter since is jeopardizing me losing my Home loan. 
Looking forward in putting this behind me and move forward.
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 these have been popping up on my account. I didnt apply for these accounts
Product: Debt collection

I had an apartment lease contract with XXXX XXXX  My contract was for XXXX and ended at XXXX the XXXX day of XX/XX/2020. Lease terms were After that, the lease will automatically renew month- to- month unless either party give at least 60 days ' written notice of termination or intent to move out. I gave my 60 days ' written notice and I was still charge the following month along with late charges. This was sent to collection and it is affecting my credit. Please help me get this resolve.
Product: Debt collection

I was going over my credit report and I noticed Wakefield Associates are on my credit report several times with the same account numbers, same dates and for the same amounts varying between multiple accounts. Some are listed up to 7 times and there is no way possible I have visited a hospital 33 times on the same day. The accounts need to be removed from my credit report. This issue is reporting to all three bureaus incorrectly.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit report act to conduct a reasonable reinvestigation of dispute information on my report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed the lawsuit against XXXX alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notified consumers of dispute outcomes their failures align with my experience where XXXX has neither contacted nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action. As experience inaction federal law, and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

The public record of XXXX XXXX  Bankruptcy Reference Number : XXXX from the United States XXXX XXXX XXXX XXXX Minnesota Bankruptcy XXXX in XXXX, Minnesota listed on my Trans Union, XXXX and XXXX credit report, is not my public record. Trans Union, XXXX and XXXX states they got the public record information from XXXX XXXX Risk Solutions. XXXX XXXX Risk Solutions sent me documentation informing me that I dont have a bankruptcy record contained in my XXXX XXXX XXXX file and that they did not verify a bankruptcy record with Trans Union XXXX XXXX or XXXX XXXX The public record information is not my public record or account.
Product: Credit reporting or other personal consumer reports

I have consistently called the creditor to dispute the information ( balance ) and to at the very least have the credit profile updated with accurate information. The creditor has only stated that the most they will do is report the account {$0.00} balance when I pay the {$92.00}. They have charged-off the account and stated that they have an obligation to report the status. I have disagreed with the {$92.00} balance from the beginning and have requested proof that I owe. That has never been sent. 

I have then offered to pay the {$92.00} to be done with it and asked that they remove the account from my report. They have refused. So I contacted the credit bureaus to remove the information due to inaccurate information, to no avail. 

I have been dealing with this from XX/XX/XXXX with the latest communication with the creditor being today XX/XX/XXXX. I would not let an account go to charge-off or collection because of {$92.00}. When I closed my accounts ( credit builder and credit card with Self Lender, it was supposed to be at a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I have a 90 late on my 8 student loan. I was never late on these accounts they have been in deferment for years. I asked Experian and XXXX to show me documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting on these accounts and they could not supply any documentation to support these inaccuracies so I asked them to please delete these alleged late payments from my credit report based of the law ( Per U S 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan ). They havent delete them as of today which is the reason for my complaint.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violation of Consumer Rights by Self Financial Bank To whom this may concern, I am writing to file a formal complaint against Self Financial Bank for the violation of my consumer rights. I believe the bank has unlawfully reported my transaction history without my consent, which is a clear infringement of my rights as a consumer under the relevant statutes. 

According to the Fair Credit Reporting Act ( FCRA ) Section 604, it is explicitly illegal for any entity to furnish consumer reports to any consumer reporting agency without the individual 's consent. Moreover, under the Electronic Fund Transfer Act ( EFTA ) Section 908, financial institutions are required to obtain a consumer 's consent before disclosing their transaction history to any third party. 

Despite these clear legal mandates, Self Financial Bank has neglected to secure my consent before reporting my transaction history, which is a direct violation of both FCRA and EFTA regulations.

I demand that Self Financial Bank rectify this issue immediately by updating my account status to " PAID AS AGREED '' and cease any further unauthorized reporting of my transaction history to any consumer reporting agencies. 

Please investigate this matter thoroughly and take appropriate action against Self Financial Bank to ensure that they comply with federal consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX ' XXXX XXXX
Product: Debt collection

After calling these people twice and getting nowhere I disputed these charges on my credit report with all 3 of the credit bureaus. This company can not tell me why I am being charged for this debt and told me " I'm not gon na do your job for you '' when I inquired about it. This company has removed the debt from my XXXX and XXXX  credit report ( I'm assuming because they realized they made a mistake ) but is reporting it XXXX as valid debt. The most recent attempt to remove it and the last time I spoke with someone was on XX/XX/18.This needs to be removed from my XXXX credit report this company can not provide proof of the debt if I truly do owe it and is not being very helpful in resolving the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2024 I arranged for a transfer of funds from Goldman Sachs/Marcus bank to XXXX XXXXXXXX XXXX XXXX I have done this more than a dozen times over the past couple of years without any issues. The transfer was approved on a recorded telephone line at Goldman Sachs. On XX/XX/2024 I logged on line to see the transfer was being processed and the website indicated it would be completed within 1-3 business days. On XX/XX/2024 I logged on to the website and the transfer had been reversed. I immediately called Goldman Sachs/Marcus , spoke to no less than six people, all on recorded lines, and no one could tell me why it was reversed and could not help restart the transfer. I then asked to close my account and was told that would take an additional 1-3 business days because my money was in " limbo ''. Not the kind of banking term I had ever heard of before. Consequently, I was forced to borrow the funds to cover the payment that was due the IRS to avoid penalties.
Product: Credit reporting or other personal consumer reports

I have submitted XXXX disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted XXXX Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

this is my complaint for the mesleading accounts, and unauthorize inquiries in my credit reporting to REMOVE. i also attached letters for FTC REPORT, Driver 's License, and proof of addressXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I switched phone companies XXXX bought out my XXXX contract as part of the deal for switching to them. Then in XX/XX/XXXX, I noticed XXXX was still charging my bank account. I went through all my Bank statements and realized they had started charging me {$80.00} a month starting in XX/XX/XXXX without sending any sort of bill. 2 months after XXXX bought out my contract. I called XXXX Customer service to figure out what the issue was. The gentlemen on the phone told me that he could see that I had switched services but was still showing I was being billed. He submitted a refund request for me and closed everything completely. Then in XX/XX/XXXX, my mom received a letter from XXXX at her house halfway across the country as I live in CA and she is in MO. it was a bill saying I was past due {$170.00} and it was going to collections. I called XXXX customer service again to figure out why they are still billing me. The women told me that my account was closed and it was an early cancelation fee. she also informed me that my refund request for the 6 months of being charged {$80.00} was denied because they informed me that they were billing it in my email. which I went back and looked I did not receive one invoice from XXXX the only emails received were wanting me to come back to XXXX. I asked for the {$170.00} to be waived because they had stolen money straight from my account while I had no services opened with the company during the time. and XXXX bought out my contract to include all fees. This request was also declined. I tried explaining the situation to the debt collectors. XXXX messed up on closing my account when I switched to XXXX, they refuse to reimburse me and the debt has hit my credit report 3 times. No one has been willing to work with me on resolving the situation. I don't understand how the same debt can continue to knock my credit score for something that was XXXX mistake and they refuse to take responsibility.
Product: Credit card

They wouldn't listen to me regarding this one purchase even after I.D . theft had been proved. It was from XXXX and therefore must be mine. They advised I go ahead and pay for it and it would be refunded later once the I.D . theft had resolved. They then went and reported me as 30 days late after telling me they would wait for the resolution. By the way, the theives also bought something from XXXX on one of my other cards and the card refunded the money to me immediately. Wells Fargo has had many complaints about their business practices and now I see why. I just want the 30 days late removed.
Product: Credit reporting or other personal consumer reports

Subject : Friendly Dispute over Unauthorized Inquiries on my Credit Report I hope this message finds you well. I am writing to you regarding my credit report, where I have identified inquiries that were not authorized on my part. I would appreciate your kind assistance in resolving this matter. 

Filed a formal complaint to address this issue and ensure the integrity of my credit history. Understanding the importance of maintaining the accuracy of information and trusting that we will be able to resolve this collaboratively and effectively. 

Attached you will find the specific details of the questioned queries. I thank you in advance for your attention to this matter and am willing to provide you with any additional documentation that may be necessary. 

I hope we can resolve this amicably and quickly. Thanks for your cooperation. 

Sincerely, XXXX XXXX XXXX Unauthorized Inquiries on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I reached out to all three credit bureaus XXXX, Experian, and XXXX to dispute incorrect reports provided by XXXX XXXX XXXX. XXXX XXXX showed different information in the three reporting agencies :. All Burueas continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information. This information was returned as updated even though there was much information still missing. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities. 



Since this account can not be verified as 100 % accurate and has been incorrectly verified please remove this item from my credit report immediately. As per federal law and the FDCPA, you are required to release the invalidated debt information from my credit report. 




CRA Experian continues to return account XXXX verified, but is still reporting XXXX XXXX for several months along with inaccurate late payments. The company has not provided this information upon several disputes and this account should be deleted immediately according to the FCRA. The company can not provide complete and accurate information. Please delete this account from my credit report and profile or face litigation through federal FCRA enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is a Account that is being reportered as a Charge card for Experian and Revolving for XXXX while not being reported at all for XXXX, and is ruining my credit, This account is also not accurate in being reported across all 3 credit bureas, This account is being shown as having 3 late payments on XXXX, XXXX, and XX/XX/2023 on Experian while not having any late payments according to XXXX, Balance was last updated on XXXX XXXX for Experian and XXXX XXXX for XXXX, Past due amount according to Experian is {$15.00} while according to XXXX it is {$5.00}, This account is extremly innacurate, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. 

XXXX XXXX for Experian, XXXX XXXX XXXX for XXXX, XXXX for XXXX is the same account being reported extremly inaccurately, For both Experian and XXXX the account number is being reported as " XXXX '' While for XXXX it is being reported as " XXXX '', For Experian there is no balance displayed while for both XXXX and XXXX it is being reported as {$0.00} balance and 100 % being paid off, For Experian the account type is displayed as " Secured Loan '' while for both XXXX and XXXX it XXXX being displayed as an Installment account. There is no balance update date for Experian while for XXXX it is being reported as last updated on XX/XX/2023, And as for XXXX XXXX updated last XX/XX/2023, For Experian there is a late payment on XXXX, XXXX, and a XXXX  on XXXX of XXXX, For XXXX there is 2 late payments being reportedon XXXX, and XXXX of XXXX, for XXXX there is 2 late payments being reported on XXXX of XXXX  and XXXX of XXXX, This account is extremly innacurate, The Contact info displayed on the Experian report is different than both XXXX and XXXX This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the following information on my credit report : I believe this information is inaccurate, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am asserting my rights under : 15 U.S.C. 1681 : The Fair Credit Reporting Act, which protects consumers from inaccurate or misleading information in their credit reports.

15 U.S.C. 1681b : My right to privacy and the prohibition of furnishing information without proper authorization.

15 U.S.C. 1681s : Regarding the furnishing of information related to motor vehicles without written consent.

15 U.S.C. 1666b : Regarding the treatment of payments on open consumer credit plans.

I request that you immediately investigate and remove these inaccurate and disputed items from my credit report. I am enclosing a copy of my credit report for your reference.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, I am requesting that you reinvestigate this matter and correct my credit report accordingly.
Product: Money transfer, virtual currency, or money service

I saw my debit card had been used through XXXX XXXX time after time I contacted money lion to dispute these charges they denied my claim 8 filed identity theft.gov and filed a appeal and requested documents they moneylion used I have still not received these they denied my claim and I don't what else to do
Product: Credit reporting or other personal consumer reports

INQUIRY - SYNCBLOWES - XXXX I have recently obtained a copy of my credit report and have observed the presence of credit inquiries made by entities for which I do not recall granting authorization. It is my understanding that the placement of an inquiry on my credit file necessitates explicit consent, thus I kindly request the prompt removal of this unauthorized inquiry from my credit file. Additionally, I would greatly appreciate receiving formal documentation confirming that a thorough investigation has been conducted and that the unauthorized inquiries have indeed been expunged. Thank you for your attention to this matter.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX XXXX and XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX and XXXX XXXX XXXXXXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX and XXXX XXXX XXXXXXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I have communicated with the credit bureau on the behalf of CFPB. I have remained patient in efforts of correcting the accuracy of my credit profile I found inaccurate remark on my report that I want to remove from my credit report 1.XXXX  XXXX  the remark states that the account is a charge off. I am following up to get this corrected and classified as paid off. 

Also I need a conformation that are no freezes or alerts that on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX ) # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy. 

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

I am reaching out to you about the false account that is being shown on my credit report. This error has greatly affected my reputation, and I need your help in addressing it. Your mishandling has ruined my standing, and I demand that you remove this incorrect information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX