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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple 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 XXXXXXXX Account Number : XXXX
Product: Checking or savings account

Wells Fargo assesss overdraft fees at the amount of {$35.00} per transaction and will only refund XXXX per 12 month period. According to their guidelines my account does not qualify for overdraft protection and according to the FDIC a consumer must opt into overdraft protection in order for a bank to charge the overdraft fees. I am unsure as to how I am being charged fees if I did not opt into overdraft protection. 

These fees were assessed on the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year> at {$35.00} each. If the funds are not available then the transaction should not process. 

Ive also had a previous account closed due to it being overdrawn over 60 days. The overdrawn balance was less than {$30.00} and it was due to another overdraft fee for an overdraft program my account did not qualify for not did I opt into.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax Dispute Information Center Dear : Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX XXXX XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

XXXX. XXXX  - account XXXX XXXX  - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


XXXX. XXXX XXXX - Account XXXX XXXX  - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

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

I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy on this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2023 and XX/XX/2023 I am now requesting you to investigate and provide verification proof with records showing that I had late payments on my XXXX account # XXXX. If this information can not be verified I demand these late payments be updated to paid on time immediately. Thank you for your understanding and prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

since XXXX XXXX XXXXXXXX I have been having problems with online banks running my credit, while reviewing my current report it seems like the issue origionated with trans union and I have XXXX years experiance reading credit. I notified them and the patched my call over to XXXX XXXX  whom is a credit repair company. Per secition 609 of fcra there required to update and fix my information which has been sent 3 times since XX/XX/XXXX yet they are not removing it. Seems like this all stemed from putting a freeze on my report from XX/XX/XXXX to XX/XX/XXXX once the 90 day freeze lifted I got wacked with XXXX hard pulls and XXXX pages of promos which it appers like trans union sold my info to begin with then refer me to credit repair,,, Can you say criminal conspiracy rememeber I have XXXX years experience reading credit. I dont apply online for anything or even pay bills online do to lax security its hurting my credit report an easy XXXX points
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting or other personal consumer reports

Creditor is sending wrong information to the credit bureaus. Creditor is VW Credit. This account was charged off due to my vehicle being stolen in XX/XX/XXXX. Also, they keep updating that my payment is late every month to the credit bureau even though the account is charged off. I called VW credit today on XX/XX/XXXX and they informed me that they do not send late payments. However, that is not true. On my credit reports is says that I made a payment on XX/XX/XXXX which is not true.
Product: Credit reporting or other personal consumer reports

The charges on this account i am not legally responsible for. Per the original contract with the original creditor, westway garden apartments. I opted not to renew my lease when my lease ended, provided forwarding address which is still my current address for over 6 years now. XXXXXXXX XXXX  never sent me a copy of the final walk thru or an invoice with a breakdown of charges or fees which were to be provided within 30 days or they were to return my deposit. Ive requested this information several times to no avail. Due to them failing to provide me with this per the terms of my lease contract i am not legally responsible for the collection. I dont have the slightest idea of what these charges are for. I finished out the entirety of my lease. I did not default on the contract, XXXX XXXX XXXX violated the terms of the contract. I know my rights and my credit has suffered for over 5 years because XXXX and XXXX wont remove it from my credit report. XXXX has actually removed it from my report but XXXX and XXXX refuse to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number _______________________________________ In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions _______________________________________ In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This is not my account, ever! I'm not familiar with this account. I didn't enter into a contract for this account. Since this account is not mine, I shouldn't be responsible for it.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

XXXX XXXX XXXX contacted me on XX/XX/XXXX about old credit card debt from XX/XX/XXXX. They told me they were filing a civil suit against me if I didnt pay immediately. I was told I would receive debt settlement papers in the mail with the details of what I finally agreed to after feeling like I had no other choice. I paid them {$1000.00} to get them off my back. I never received any paperwork in the mail. So I filed a dispute with my bank and a complaint with the FTC. Please do not allow this company to take any more money from anyone else. Please do not allow this company to keep my {$1000.00} that I was pressured into paying them. When you call the contact number on their website, its disconnected. Their website doesnt even look legit. Please put a stop to these people.
Product: Credit reporting 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.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 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

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance which states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

According to my reports on XXXX, Equifax and XXXX, they were all in violation of these terms.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX NA - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Debt collection

I have been called numerous times in the past couple months. Each time I say yes I want to take care of any outstanding debts but I would like more information on who is contacting me. They just say they are working with the collection agency. Now I am being contacting by a XXXX XXXX and she said I have XXXX and I am going to be summoned at work or at home for fraud and breaking a contract. She gave me a case number. I called the court house in my county and I do not have any charges against me and that the court house does not issue a case # with out having it in the system. The courts said it is a scam
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect address currently listed on my credit report. The addresses that are attached to document is not associated with me, and I kindly request its removal from my credit file. 

Please find my correct address below for your records : XXXX XXXX XXXX XXXX, GA XXXX I am enclosing a copy of my bank statement. I appreciate your prompt attention to this matter and look forward to your confirmation that this incorrect information has been removed.
Product: Debt collection

On XX/XX/20 : I received a notification from my credit monitoring service that there was a new collection on my account by sequium. 

On XX/XX/20 : I called sequium paid off the entire amount in full, eventhough I never received written notice of the debt or it was going to be reported to my credit bureaus. I was told by the representative that it will be deleted from the 3 credit reporting agencies within a week and I should receive a letter in my email stating the debt was paid in full. 

On XX/XX/20 : I called sequium back and spoke to numerous persons on the phone. I was actually hung up on twice. I told the customer representatives that I never received the letter of paying in full as promise and I asked how long would it take for sequium to remove this collection off of my credit reports. They said they do not remove collections off of credit reports, eventhough they are the ones that reported them. 

I also told them that I didnt receive written notification about the debt prior to it being reported to credit bureaus. So, I could atleast review the debt or dispute it. They failed to comply with FCRA ; after stating this to one of the customer service representatives. I was told to email them as to why it should be deleted and to write that I didnt receive written notification and they were not complying with the fair credit reporting act. 

I still havent received any definitive reply stating that when the collections will be removed off of my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Mortgage

I have tried to get a Mortgage from US Bank and have submitted all taxes & XXXX forms etc, what ever they requested. After multiple delays on there part, mortgage agent went on vacation for two weeks as did XXXX XXXX the Supervisor for this XXXX Colorado area, I was pushed aside, have been ignored on phone messages and emails. They I was told I do n't need a prequel letter til I have a sales contract. The real Estate Agent said without prequel letter we ca n't lock in rates or move forward?? So being XXXX, & US Bank is aware of this, I have been pushed aside for bigger loans as mine is a very small loan. Discrimination is playing a factor into all this from the fact I 'm XXXX and easily tricked into the wrong protocol as told to due & the fact my loan is not a large loan and is not considered as important. But locking in rates, getting a prequel letter comes BEFORE CONTRACT!!! This I have been told is not true saved on my email from US BANK Supervisor and US Bank Mortgage Agent.
Product: Debt collection

A debt collection company, Jefferson Capital System, is reporting a debt that I believe isnt mine. I have asked the company for the original contract with my signature, to prove the debt is mine, and they will not comply. Disputed wirh credit bureaus asking for same documentation that they are required by law to produce and credit bureaus closed out my dispute with what I feel was an improper resolution.
Product: Vehicle loan or lease

On XX/XX/XXXX, I received a request from Well Fargo, via XXXX, requesting proof of full coverage insurance from XXXX. I spent over five hours tracking down the insurance companies I had full coverage with from XXXX. I called Wells Fargo on XX/XX/XXXX, and provided each policy number and insurance company as follows : XXXX XXXX policy # XXXX & XXXX policy # XXXX. I called on XX/XX/XXXX, and received notification that my insurance polices checked out and that they needed no further information. 
I emailed the Wells Fargo CPI counsel on XX/XX/XXXX ( XXXX ) regarding the status of my case. I received a scripted reply that my case was under review. I called again today, XX/XX/XXXX, and again received the same scripted reply that they needed no further information and my case was still under review. 
If my calculations are accurate, Wells Fargo overcharged me by $ 150-200 a month for two years. On the low end, that's over {$3000.00}. My vehicle was not repossessed and in fact, I paid off the entire loan. Wells Fargo has had over six months to verify that I had full coverage insurance, which I went above and beyond what they requested and provided them with the policy numbers to lessen their work, but they still offer only the scripted response that my case is under review. 
How can a big bank rightfully steal money from everyday people and take a long as they want to repay the money? I understand I am one in a sea of thousands of people robbed by Wells Fargo, but I've done the work for them ; I tracked down the very policy numbers for them. They simply have to make two phone calls, verify the policies, do the calculations, and cut the check. 
I've reached out to them about filing complaints and was told today by XXXX at the office of the President of Wells Fargo ( XXXX ) to go " right ahead and file whatever complaints I wanted to, '' so, here I am. I am not asking for anything more than what was already stolen from me for two years. I never even defaulted on my loan, despite the fact that the bank unduly charged me for two years, I paid off my vehicle in full. The least they can do is refund what they stole illegally. 
Thank you in advance for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some used my information to get medical services in florida. Exparian refuses to block information from my report. Im sent in a copy of my ftc report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on multiple occasions to remove inquiries on my report that were not authorized by me. The statutes are referenced in my attached letter. 

I want the inquiries removed from my credit report.