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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the second attempt to correct the late open account associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

I first brought to your attention the discrepancies in my open account. Despite assurances that the matter would be promptly addressed, the issue persisted, leading to further inconvenience and frustration on my part. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a second attempt was necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of this discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. 

I trust that you will treat this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution at the earliest convenience. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$22000.00}.
Product: Debt collection

I am currrently working on my Credit to purchase a home, I went on to all XXXX credit websites and notice some accounts that were on my report that weren't me. I went on to dispute them and requesting that they send me a copy of the contract along with my signature all but XXXX of them were not removed. Which is portfolio recovery llc since then they have called and they have came to to my home and served my XXXX XXXX XXXX son with court papers. The papers state I'm being threaten to have my wages garnished along with putting liens on property. They also do not have any papers signed by me, They sent me statements from them to an account that was reported compromised long ago and closed. Also I have reported my Identity stolen twice already these harrasments should have stopped ... XXXX have called all numbers that are public domain and harrased a XXXX XXXX I no longer have. What can I do to end this harrasment.
Product: Credit card or prepaid card

Company denied applicant credit without basis, merit, and/or made decisions based on falsely reported credit information, law, or the lack thereof and/or company is obstructing the applicant from lawful use or access to credit and/or ( funds, remedy, recourse, or refund. ( if applicable. ) ) TAKE JUDICIAL NOTICE that It is unlawful to be denied credit and/or to discriminate against any applicant as it is causes an adverse action pursuant to : Title 15 USC 1691 providing the scope of prohibition ; Title 15 USC 1681 providing Congressional findings and statement of purpose 12 CFR 1002.4 providing current regulation against discrimination, discouragement, and denials of credit 15 USC 1611 CHAPTER 41 providing for the Criminal liability for willfully and knowingly violating any portions of these codes. 

Applicant demands immediate reconsideration and/or opportunity to create and/or build a credit and/or banking relationship as the willingness and ability to lawfully maintain a commercial relationship is available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and XXXX XXXX XXXX Credit Card with the amount of {$2300.00} is fraud, I never have business and i didn't sign up for the business credit card. Please remove this from my credit report ASAP!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX I have recently reviewed my credit reports from all three bureaus, and I have found discrepancies in the information reported. Specifically, the following items do not match across the bureaus : Listed above. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccurate information in my credit report, and the credit bureaus are obligated to conduct a reasonable investigation into my claims. I have already initiated disputes with each of the bureaus ; however, the discrepancies remain unresolved, and the inaccurate information continues to affect my creditworthiness. 

I kindly request that your office investigate this matter to ensure the accuracy of the information reported by these credit bureaus. I believe that the continued reporting of inaccurate information is not only detrimental to my credit score but also violates my rights under the FCRA. 

Please find attached copies of my credit reports from each bureau, highlighting the discrepancies mentioned above, as well as any relevant correspondence I have had with the credit bureaus regarding these disputes. 

I appreciate your attention to this matter and look forward to your prompt response. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your assistance. 

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

In late XXXX of this year my XXXX account which is connected to my XXXX XXXX  account was hacked and somebody made fraudulent purchases through this account. I had this account set up for autopay and was not aware until later that my autopay payments for my car loan were being rejected. I have been with XXXX XXXX for a year and a half and never have been late. XXXX XXXX apparently were sending out my statements to the wrong address and I wasn't receiving any notice that I was behind. When I did find out what had been going on I contacted XXXX XXXX by phone and immediately paid the balance up to date. They promised on their website to make efforts to contact you if you are behind but they apparently made next to none as they couldn't even get the address correct and were about to put me in collections! 

They then reported me to the credit bureaus for being late after I told them I had been a victim of identity theft. I also wrote them a letter explaining this, submitted proof from my XXXX account and the report that I had filed with the FTC. According to FCRA they are not supposed to report information that is related to fraud, yet they did and rejected this information saying it was still paid late. Duh, yes it was because my accounts had been hacked and you are sending my statements to the wrong address. 

And when I called your representative and gave them my new bank account information they assured me they would put me on auto pay as your website is a confusing nightmare to try and access. They didn't put me on autopay but I did at least this time receive a letter notifying me that again the autopay wasn't working and had to go in and do it myself, getting me stuck with more late charges. And even more annoying I still can't put the account on autopay to have peace of mind with my car payments automatically leaving my account because your website won't let me again. I honestly think this is set up deliberately to make it as confusing and difficult for the consumer as possible in order to slip in a bunch of late charges. I also have " other charges '' on my statements that don't even explain what they are for. So shady. 

I demand that XXXX XXXX remove the late payment off my credit as per the rules of the FCRA - " businesses are not supposed to reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft ''. 
I was, I identified the information and provided the identity theft report. Please remove the late payment from my credit report, AS IT WAS A RESULT OF IDENTITY THEFT! My XXXX was even hacked and I am banned from it as a result of these thieves. 

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

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$29000.00} on the US DEPT OF ED/XXXX/XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and there is no outstanding balance due. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Transunion three accounts reflected on my credit report. I never opened those accounts. I have no knowledge of those accounts. And, I never used those accounts. Transunion refused to delete those accounts. 

Transunion 's report indicates that the accounts were open for about 60 days in XXXX - XXXX. I want those accounts DELETED from my credit report. 

Those accounts are : ( 1 ) XXXX DEPARTMENT STORES N # : XXXX**** : ( 2 ) XXXX/XXXX # : XXXX**** ; and ( 3 ) XXXX/XXXX # : XXXX****.
Product: Debt collection

XXXX XXXX charge this account off and applied a lot of late payments to my credit report basically damaging my credit score they sold the account after it was paid completely off now the still trying to charge me again ... this charge off account should be remove off my credit report ...
Product: Credit card or prepaid card

I applied for a balance transfer from my Citi bank credit card to my XXXX XXXX  account. The Citi bank already changed me {$1000.00} but, the amount did not reach in my XXXX XXXX account. I already contacted Citi bank and XXXX XXXX  several times regarding the issue. When I called Citi bank, they said every time that, XXXX XXXX already cash out the check of {$1000.00}. When I called XXXX XXXX, they said, they did not receive any check from Citi bank. I called several times to both banks and they said the same thing over and over again. Now I am feeling hopeless regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these inaccurate accounts have violated my rights. Please see below : XXXXXXXX XXXX XXXXXXXX - XXXX - please Delete this account for violation because the date of last activity is reporting inaccurate dates. 

XXXX XXXX  - XXXX  - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX XXXX XXXX - XXXX - please Delete this account for violation because the collection is it has not been verified. Please provide proof of contract with my signature or delete. 

XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

XXXX XXXX  XXXX - XXXX - please Delete this account for violation because the charge-off, date of last activity is reporting different dates. 

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

Record XXXX XXXX dollars was denied you have not explained nothing wells Fargo stole money from the bank and put XXXX in to my account to deposit a federal tax child income credit send me the letter stating this is legal. attached with my back statement you have not resolved this issue you were to only deposit the child tax credit not put free money into my account according to wells Fargo representative the called me regarding the case he said you complain about free money I said wells Fargo stole someone money and put it in my account the representative didn't seem to concerning about the issue .for claim XXXX XXXX for XXXX from woodspring motel again wells Fargo has not resolved this issue this transaction was not disputed wells Fargo has not pursued the issue or has not secured my account the have allowed an illegal transaction on my card to go threw and also steal my money out of my account woodspring doesn't not have compelling evidence I have said serval times to show me were XXXX XXXX check in and stayed at the motel check in at XXXX XXXX  at check out at XXXX on XX/XX/XXXX provide me with a video of me checking in and checking out. Also I need a confirmation and video of me checking in and signing the check in receipt. And I have said numerous times I didn't not stay at this motel nor is this my signature signing in at check in time of XXXX XXXX  on XX/XX/XXXX this is fraudulent and I have told wells Fargo about this wells Fargo has refused to investigate this issue properly. This case will not be closed until I see the results of what I have asked until you show the evidence that I have stayed at the motel and I check in with my signature.
Product: Mortgage

Earlier this year, the escrow amount due on my account was updated and now written notification of the change was received. This resulted in my auto payment short falling a small amount ( around {$200.00} ). As soon as I was made aware of it by the bank ( who called from a number my cell carrier said was a 'spam call ' ) I paid it in full and adjusted my payment amount. I also notified them that I had never received the proper paperwork for the escrow change. They agreed to remove all late fees and set the account to current, and that their escrow department would reach out to me in the near future. 

This month, I began the process of refinancing and found out that the bank reported that my mortgage was past due, ruining my credit score and making impossible for me to refinance at the rate I deserve. Because of the way the bank does not apply partial payments, it looked like for short period that my loan payments had been missed entirely. This has never happened. 

It should be noted that I had almost the exact same problem with them previously and that it did not get corrected until I filed a report with the CFPB, so I am doing so again now.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, the CFPB 's findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax, my information was released in a cyber attack. Equifax failed to protect my personal identifiable information, and I am now at risk for identity theft. I have no business relationship with Equifax, and entered into no agreement with them. They were granted access to my personal information by statute, and as such they need to be held to the highest standards of consumer protection.
Product: Credit card or prepaid card

This is a follow up to complaint XXXX. 

US Bank was able to send out 4 new cards ... ... .but they all came deactivated and when calling to activate the customer service rep says they need to replace the card. This is obviously not okay as I've already tried to replace 5 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts on my credit file being reported by Navient # XXXX the date of 1st delinquecy is being reported differently across the 3 credit bureaus XXXX reports 60 days XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX reports 30 days XX/XX/XXXX Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

XXXX  v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX. This payment was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Product: Debt collection

Bell Global Solutions Company called to collect an old debt, I signed up to clear this debt because I did not want to be sued. After collecting bank information they were supposed to send paperwork which I never received. They have been taking XXXX a week from my checking account since XXXX up until today XX/XX/2023, the bank put a stop payment on this account. 
Been calling the following numbers to resolve this matter no response : XXXX XXXX
Product: Vehicle loan or lease

The amount of this car loan has been taking care through wage garnishment XX/XX/XXXX. Lobel Financial continues to change the status as judgment to charge off. It has been affecting my credit for the last 8 years. I have paid over {$11000.00} into this debt ; however I continue to accrue interest on the original debt that was roughly 14k. Today when I called the sheriff office i was told that the balance to satisfy this debt is another {$10000.00}. The car at this point is only worth {$1600.00} ( which Lobel Financial repossessed in XX/XX/XXXX ). When I've called the company they just give me the run around telling me they aren't allow to give me information about the account ( not even the account number associated with this car ) and suggest I call the county sheriff office for more assistance. That call leads me right back to square one because the sheriff is only collecting the money nothing else.
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition to being a victim of credit fraud as well as 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 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  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 rep 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX BANK had 21 days to stop reporting all activity to the following agencies. 

Experian, XXXX, XXXX and additional secondary bureaus. 

I have the right to privacy. And never once did I speak with the company and allow them to report my transaction history, payment history all of which should have remained private and not for to the bureaus for display and sell! 

This is unlawful sharing of private information. 

Here moving forward all of the bureaus mustn't report my private information any longer. The account must state paid as agreed and nothing else.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$240.00}, XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$390.00}, and XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through Ally Financial. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

1 ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian about removing an account from XXXX and asking them to explain how they came to the conclusion that this invalid account is accurate. Their response to me was that this account was updated. The response which came to me on XX/XX/2020 did not state the method of verification they used to verify this account. I have the right to know this information and it is illegal for them to withhold this information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information added to complaint IDs : XXXX I have made disputes with Transunion, XXXX, and XXXX for the collection account inaccuracy reported by XXXX XXXX XXXX from reporting 3 different account numbers to the credit bureaus in XX/XX/XXXX. 

XXXX  account number reported : ending in XXXX Transunion account number reported : ending in ending in XXXX XXXX account number reported : Ending in XXXX Transunion, XXXX, and XXXX have failed to investigate the accuracy of this collection.