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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, FST XXXX Account # XXXX, FST XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX N.A. Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XX/XX/2022 XXXX XX/XX/202XXXX 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: Checking or savings account

Chime Financial Inc Consumer Complaint Division XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : XXXX XXXX Email : XXXX Re : account number XXXX OnXXXX XXXX, Idisputed a charge in the amount of {$160.00} for a service I didn't use when I didn't hear from the merchant XXXX XXXX to cancel the registration. Chime has issued a temporary refund. The merchant then contacted me asking me to reverse the dispute so that they could reimburse me directly in order to avoid {$35.00} charge. 
I agreed to work with the merchant. I then called Chime to reverse the dispute and the agent reassured me that it would be no problem to reopen the case if the merchant did not issue the refund. 
When i called the merchant to process the refund, they said they couldn't locate any charges to issue a refund but they provided me with proof that the order was canceled. 
As a result of that, I submitted a rebuttal to reinstate my account with that amount since the merchant had trouble on their hands issuing the refund. Chime denied my rebuttal even though I have provided email proof from my conversation with the merchant confirming the order was canceled. 

I am disappointed becausethe order is canceled and i need my money. I only agreed to work with the merchant because the agent reassured it would not be a problem to reopen the dispute and get my {$160.00} back on my account. Otherwise I would not have done it. 

To resolve the problem, I would appreciate if Chime could the {$160.00} back on my account since the service is cancelled. Enclosed are my conversation with the merchant confirming the canceled service along with the fact they had trouble issuing a refund since they're not seeing the new charges. 

I look forward to your reply and a resolution to my problembefore seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or via the email listed above Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

I would like for these collections of student loans to be removed from credit report XXXX, XXXX, and XXXX XXXX according to law FCRA section XXXX states its illegal to report information on my credit without my permission and also love 15 USC 1692C the law clearly states if a consumer notifies that the consumer refuse to pay a debt collector must see all communications. It is also illegal to upload my personal information through different third parties without my consent. The account numbers for the XXXX XXXX XXXX XXXX XXXX and XXXX. The bill amounts are ( XXXX ), {$2500.00}, {$820.00}, {$3500.00}, {$3500.00}, {$1000.00}, {$4600.00}, {$110.00}, $ {$3000.00}, {$3000.00}, {$2800.00}, {$2700.00}, {$110.00}, {$1400.00}, {$14000.00}, {$2500.00}, {$1400.00}, {$3500.00}, {$820.00}, {$3000.00}, {$2700.00}, {$110.00}, {$810.00}, {$110.00}, {$3000.00}, {$3000.00}, {$1000.00}, {$2500.00}, {$14000.00}, this is a total of XXXX collections
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports from TransUnion, XXXX, XXXX and notice many fraudulent and erroneous accounts. I DID NOT ORIGINATE OR AUTHORIZE these fraudulent accounts to be posted on my credit report, please remove them within XXXX business days of receipt of this letter on clear grounds of Identity Theft Pursuant to XXXX XXXX XXXX. Also, Update my XXXX XXXX immediately pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX b ). DELETE INQUIRIES : XXXX, XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. DELETE AKA : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE PREVIOUS ADDRESSES : XXXX XXXX, ADD CORRECT NAME ( ALL ) BUREAUS : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I send out a dispute to XXXX, XXXX and Equifax and got results back as of XX/XX/year>. They stated that bankruptcy XXXX XXXX ref XXXX XXXX was verified and updated. I received a letter form the court recorder/court office stating they do not verify information with any credit bureaus. The credit bureaus lied and stated it was verified, but when asked for documentation could not provide, which is a violation for FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The recorder or courts did not verify information because they don't give information, and never verified, so I would like it deleted off my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX  Credit Bureau XXXX EQUIFAX Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

Equifax : Highest reported balance XXXX XXXX  XXXXCurrent balance owed : XXXX XXXXPayment status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to XXXX, the account was closed due to inactivity, while Equifax indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. 

Thank you for your prompt attention to this matter. I look forward to your quick response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have settled my debt with these companies and they are still listed on my credit report. Some are as old as XXXX. I owe no money and am trying so hard to repair my credit. I have 1 credit card and a car payment now but my history still haunts me. Please help me.
Product: Credit reporting or other personal consumer reports

I'm personally submitting this complaint regarding late payments on my credit record. Upon reviewing my file, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago but have received no reply, and adequate validation has not been provided. I'm requesting your help to address this situation promptly and effectively.
Product: Debt collection

I previosuly filed a complaint against this company under complaint number XXXX. 
The company responded with a ton of statements from the credit card company. 

The company failed to attached what I originally requested which was the copy of the signed credit application so I can file a police report. 

I went to report this to the police department and they asked me to obtain the credit application and bring it back to them. This collection agency on return sent me statements, no signed credit application.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 am writing to formally dispute inaccuracies and inconsistencies in the payment history related to an account reported by FORITVA on my credit reports. The discrepancies were identified in the reports provided by XXXX, XXXX, and XXXX, which I reviewed thoroughly. Inaccurate payment history records : The payment histories provided by the credit bureaus contain inconsistent or erroneous reporting for various months and years. This impacts my overall credit standing and does not accurately reflect my payment activities. 
Status of the account : Differences in how the status of the account is displayed between different credit bureaus, leading to confusion and potential misrepresentation of my creditworthiness. 
I respectfully request that this account be thoroughly reviewed and removed from my credit report due to these discrepancies. The removal will ensure that my credit report accurately represents my financial responsibility. 

Enclosed with this letter, you will find copies of the relevant sections of my credit reports from XXXX, XXXX, and XXXX that highlight these discrepancies. 

Thank you for your attention to this matter. I trust that you will act promptly to rectify this issue and uphold the accuracy and integrity of my credit profile.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX, my husband and I were contacted via email by someone posing as First American Title Company to request funds for closing our home, which was scheduled for Friday, XX/XX/XXXX. They posed as XXXX from First American and included our real estate agent, XXXX, on the email chain as well. All email accounts were fraudulent but looked legit even including a photo of our real estate agent attached to the fraudulent email. During this back and forth communication with " XXXX '', our real estate agent " XXXX '' would chime in as well, which made this scam seem even more real. After receiving the request for funds, we even confirmed the requested amounts with our mortgage broker via a legit phone call. XXXX ( mortgage broker ) called the real XXXX at First American to confirm. At no point were we made aware by XXXX that we were not actually contacted by First American to request funds, which would have tipped us off on this scam. On Friday, XX/XX/XXXX I was contacted by " XXXX '' ( XXXX 's assistant ) via phone and text to discuss the funds we were to send. " XXXX '' stated he was assisting XXXX as she was in meetings for the rest of the day. " XXXX '' does not actually work at First American, which I was not aware of because they knew everything that was being discussed in the fraudulent email chain with XXXX, XXXX, and my husband XXXX. On XX/XX/XXXX I drove to the bank and provided them with the wire instructions that were sent to me from this fraudulent email chain to wire the requested {$24000.00}. The wire instructions included First Americans name and contact info and a local XXXX XXXX  account to wire funds to. At the time, I was not suspicious of any fraudulent activity since they had the correct amount for us to wire, legit names of people involved in our home transaction, our new home address, and knowledge of us closing on our home within days of this request. The wire was sent and the scammers confirmed funds were received. On XX/XX/XXXX, I was contacted again by " XXXX '' stating we needed to send an additional {$2800.00} to ensure we would not be short on closing costs. This did not seem correct to me, but I thought he just miscalculated. I still did not expect fraud. Like before, I contacted our mortgage broker who asked me for " XXXXXXXX XXXX '' contact information to discuss the request. My mortgage broker called me back and stated he XXXX the phone number I sent him for " XXXX '' and the number was linked to an escort service in XXXX XXXX, CA. He then stated, he had no idea who XXXX was in relation to First American Title Company. During this call, we went through the email chain from one week prior where he confirmed that all email addresses used in the chain were not legit and that First American would never email their wire instructions. I called my bank, XXXX XXXX XXXX, to report the fraud, as well as First American Title Company, our real estate agent, and the local police department.
Product: Mortgage

Merrill Lynch sold my loan to Bank of America. Bank of America calculates the interest on the loan differently than Merrill Lynch did. The Bank of America calculation is always either the same or higher. I contacted Bank of America and was told that they are aware of the difference but will not be calculating the interest the way Merrill Lynch did. Bank of America told me that I am not the only XXXX with this issue.
Product: Vehicle loan or lease

I was late on a payment and my wifes credit score was effected they reported her and now she was in the middle of a refinance and this  credit Report from GM financial effected her rate. I guess it was XXXX or XXXX that they reported it. I was waiting on unemployment and they never reached out to me to let me know they were going to report us. We have been paying them for over a year and everyone knows its pandemic and these are tough times for everyone so I think that it should of never effected mine or my wifes credit report. Could you please help thank you
Product: Debt collection

On XX/XX/2021, I disputed an unknown account that appeared on my XXXX credit report. Rather than respond to the dispute/validation request, Foster and Monroe called me and left an inappropriate voice message today, XX/XX/2021. It was not a standard XXXX/mini-Miranda. It identified me as a debtor by name, threatened to add the negative tradeline on additional reporting agencies, and also threatened to make calls to my employer ( XXXX ). There was also a threat to show up and collect some " merchandise '' in person. I have no idea who they are and what they want, hence the reason for the dispute/XXXX. These tactics are illegal. I have copied screenshots of the voicemail transcript. I have a copy of the voice message saved. The dispute/validation request is still unanswered.
Product: Credit card

Because our business transitioned from a XXXX to an LLC, I had closed a credit card account with Wells Fargo for our business which still had a balance owed on it. I set up auto payments and overpaid the bill by {$1600.00} mistake. Since XXXX 2016, I have been trying to get the money back from Wells Fargo into my bank account. It has been a series of misguided directions, XXXX checks that were sent have not been received because they mailed to the wrong address. I finally received XXXX check this week ( XXXX XXXX ), that I tried to deposit only to find out that Wells Fargo put a stop payment on it. I have completed every direction they have given me and yet I still have not received the Money that they owe me. This whole experience has been incredibly difficult. It appears to me that Wells Fargo is deliberately misprocessing and delaying the return of funds that are rightfully ours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. 15 US-CODE 16921 XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 XXXX  XXXX  XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX, Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of TransUnion to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The XXXX underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : TransUnion : XXXX marked as XXXX  days late, although previous payments were timely. 
XXXX : Similarly, XXXX indicates a XXXX late status despite consistent timely payments. 
XXXX : XXXX a XXXX late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite XXXX previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my XXXX XXXX and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I inquired about having the medical debt removed from my credit report after the new rule to remove medical debt. Both have been sent to collections, and both are medical debt that I do not believe I was given the proper opportunity to pay off or dispute with my health insurance did not pay the claims. I have disputed both with XXXX and XXXX and all they returned was that the debt was valid, but based on the new rule why would they not be removed? One of the debts with XXXX XXXX showed up on my report and I do not even know what it is for or why my health insurance would not have paid the claims.
Product: Debt collection

in XX/XX/XXXX i was garnisheed wages for a 900.00 dollar credit card, as of XX/XX/XXXX XXXX stephen bruce XXXX out of XXXX okla have taken 10.000 dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.