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

XXXX Subject : Dispute of Inaccurate Account Information and Request for Removal - ADS/COMENITY/WAYFAIR This is my third request to have this issue corrected. 

I am writing to dispute inaccurate and incomplete information reported on my credit report related to my account with ADS/COMENITY/WAYFAIR. Upon reviewing my report, I have identified several discrepancies and incomplete data that violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused significant emotional distress. I am formally requesting the immediate removal of this account from my credit report. 

Issues with the Account : Inaccurate Charge-Off Reporting : The account reflects a charge-off in XX/XX/2021 with a balance of {$990.00} written off. However, the account now lists a {$0.00} balance, which may suggest that the debt has been either paid, settled, or sold to collections. Under FCRA ( 15 U.S.C. 1681c ( a ) ), credit information must be accurately reported. The current charge-off status does not clearly indicate whether the account was resolved or the nature of the resolution, leaving me unable to determine the accurate status of this account.

Incomplete Payment History : The payment history shows no activity for months leading up to the charge-off in XXXX XXXX, which is highly irregular. The FCRA ( 15 U.S.C. 1681s-2 ) requires creditors to report accurate and complete information. The absence of information prior to the charge-off suggests that payments or delinquencies may have been inaccurately reported or omitted altogether, resulting in an incomplete history.

Inaccurate Balance vs. Credit Limit Reporting : The account lists a credit limit of {$500.00} and a highest balance of {$990.00}, indicating the account was significantly over the limit. If this over-limit amount is due to fees or penalties, it must be clearly explained in the report. FCRA ( 15 U.S.C. 1681i ) allows me to dispute any incorrect or unclear information, and the balance exceeding the credit limit should be re-examined to determine if the amount was accurately reported or if excessive fees were improperly applied.

Failure to Update Account Information : Since the balance is now listed as {$0.00}, but the charge-off remains, there is a lack of clarity on how the account was resolved. Under FCRA ( 15 U.S.C. 1681s-2 ), creditors are required to promptly update account statuses to reflect the current status of the debt.

Request for Immediate Removal : The inaccuracies, omissions, and incomplete data on this account have negatively affected my credit score and caused me considerable stress and hardship. The failure to report accurate and complete information is a violation of my rights under both the FCRA and FDCPA ( Fair Debt Collection Practices Act - 15 U.S.C. 1692e ), as any misrepresentation of debt or improper reporting is unlawful.

Given these violations and the negative impact they have had on my financial well-being and emotional health, I request the immediate removal of this account from my credit report. The continuous errors have caused me significant stress and affected my ability to secure credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by ALLY FINCL. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Despite making the payment on time, it was incorrectly recorded as late due to a processing delay on the creditor 's part. I have attached copies of my bank statements that clearly show the payment was made before the due date. 
Evidence provided : Bank statements showing timely payment. 
Correspondence from XXXX XXXX confirming the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Mortgage

I started the process of refinancing my in XXXX of 2020. It is now XXXX. Every time I ask for an update they tell they are really backed up and will take a few more weeks.They can not give me a closing date. I asked for my application to be refunded and they said they would not. They took my money, provided no service and will not refund. They are holding me and my refinance process hostage.
Product: Bank account or service

On XXXX XXXX, 2016 I deposited a check drawn on a law firm checking account in the amount of {$5000.00} to my bank of america checking account. I had not used the account in two months, but there had been no previous overdrafts of the account. Upon depositing the check, I received a receipt indicating that the funds would be available on Monday, XXXX XXXX, 2016 at XXXX. I waited until after XXXX/XXXX/16 XXXX p.m. to write a check to myself for deposit in my bank account at XXXX in the amount of {$500.00}. On XXXX XXXX, 2016, I received an email from Bank of America telling me that my account was overdrawn. I called customer service and was told that the hold was extended on my account but was not told when the money would become available or given a specific reason as to why the hold was extended. I advised Bank of America that I had written a check to myself for {$500.00} and I was told that they were determining whether or not to honor the check. I told them that the deposit check was from a law firm that I worked for, but they did not respond. On Thursday, XXXX XXXX, 2016, I obtained a copy of the cancelled deposit check for {$5000.00}, which indicated that the funds had been paid over to Bank of America on XXXX XXXX, 2016. I took the copy of the cancelled check, the receipt from Bank of America indicating that the funds would be available on XXXX/XXXX/16 after XXXX to the branch where the check was deposited. The bank refused to credit my account with the {$5000.00} and said that the hold would not be lifted until the end of business on XXXX XXXX, 2016, but would not give any explanation as to why and did not address how they could hold my funds when I showed them proof that the check had been paid. Bank of America agreed to remove the returned check charge for my {$500.00} returned check and a {$12.00} service fee today, but would not make the funds available immediately. This is clearly wrong and outrageous behavior on behalf of this bank. I also incurred additional bank charges on my XXXX account because the {$500.00} check was returned as unpaid by Bank of America. Bank of America has advised that they can not reimburse me for fees charged by XXXX.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've gotten in touch with all 3 credit agencies to report all the collections and inquiries on my report to have them removed because there's no signature or validity to any of these there's XXXX XXXX THAT'S REPORTING I HAVE 4 OPEN ACCOUNTS AND XXXX XXXX  REPORTING I HAVE 2 WITH THEM IN WHICH NONE IS TRUE I NEED ALL ACCOUNTS AND IINQUIRES REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX   XXXX {$530.00}
Product: Mortgage

I have an Adjustable-Rate Mortgage on my home. My loan servicing was recently transferred 90 days ago from XXXX XXXX to XXXX. 

My rate and payment will experience its 3rd adjustment on XX/XX/2020. 

I called and asked them what I can expect XX/XX/2020 so I can prepare and budget accordingly, and they told me to wait. XXXX has failed to advise at this time as to what the new rate and payment will be. 

I am within 60 days of a payment change and they are unable to advise any information regarding this, which seems completely unacceptable.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) I have not initiated any transaction with ( XXXX XXXX XXXX ) Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ( XXXX XXXX XXXX ) for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting or other personal consumer reports

I never had a contract with this debt collector XXXX XXXX XXXX XXXX XXXX XXXX for any debt. 

I asked to be provided proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. I was never given proof that this debt belongs to me yet it still remains on my credit report. 

A proper and complete investigation was not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

ve sent multiple dispute letter to the credit bureau stating that the inquires listed on my credit report is not accurate, i received letters stating those account was verified, I sent another dispute letter stating to receive proper documentation bearing my signature for those inquiries, Nothing received in reponse. Also, Ive made contact with Equifax multiple via phone stating I was a victim of there inquiry issue, again I was routed to send disputes letter in for a reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that XXXX, Experian, and XXXX is in direct violation of 15 U.S Code 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX, Experian, or XXXX written consent to report anything on my consumer credit report or to create a report on my behalf. No consent is identity theft. Pursuant of 15 U.S Code 16819 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, Experian, and XXXX to furnish these inaccuracies on my consumer credit report XXXX cause me to lose confidence in the banking system. If XXXX, Experian, and XXXX wants to continue doing business with me, they should delete these inaccuracies off my consumer report immediately.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS LLC ARE FRAUDULENTLY TRYING TO COLLECT A PAID IN FULL DEBT FROM XXXX. THEY ARE FALSELY CLAIMING THE DEBT IS FROM XX/XX/XXXX. I DO NOT HAVE AN ACTIVE ACCOUNT WITH XXXX XXXX. I USE XXXX XXXX. THE ACOUNT WITH XXXX FROM XXXX THRU XXXX WAS PAID IN FULL. I DO NOT OWE ANYTHING TO XXXX XXXX. I AM SUBMITTING THE DOCUMENTS TO SHOW I HAD A XXXX BALANCE WITH XXXX IN XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXXTo Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXXEquifax XXXX. XXXX XXXX XXXX, GA XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Company Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX : XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXXCompany Information : XXXX : XXXX date of Inquiry : XXXX/XXXX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$170.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$410.00}.
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 XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

Repeated calls, abusive language, will not allow us to tell them they have the wrong number, they hang up on us when we try to explain they have the wrong number. They call 5 or more times before noon every day and several times after noon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2019. It has been more than 30 days, and I have not received any proof that the company validated the debt.
Product: Checking or savings account

On XX/XX/XXXX a check from my account was made for {$250.00} made payable to XXXX XXXX XXXXXXXX XXXX, Transaction # XXXX, Check # XXXX, and the arrival date of the check was XX/XX/XXXX. Today is XX/XX/XXXX and I received a statement from XXXX XXXX XXXX that they did not receive my {$250.00} payment. I immediately looked at my Chase account and found that this {$250.00} check was mistakenly sent to XXXX XXXX XXXX XXXX. Today I went to my Chase Bank in XXXX, TX to get a copy of the check for proof of receipt and was told that too much time had gone by to get a copy of the check to XXXX  so they could refund the {$250.00} to me. The AVP at my bank called " the back office '' and was told they couldn't help her find a copy of the check because too much time had passed since XX/XX/XXXX. My AVP told me that she would call the complaint office so they could call me to discuss the issue. In the interim I need to get my {$250.00} refunded back to me so I can pay XXXX XXXX XXXX. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and see inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry reporting on my credit file from XX/XX/18. The company refused to remove this inquiry off false premises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up the previous CFPB I submitted to the Credit Bureaus requesting the removal of the disputed accounts and information from my Credit File. I have been submitting this multiple dispute letters and CFPB complaints requesting the same thing over and over again and yet the Credit Bureaus have done nothing! I am disappointed! My legal counsel is halfway complete with their lawsuit for the willful non-compliance of the Credit Bureaus. It is clear that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any fraudulent accounts and information from a consumer 's Credit Report. However, the Credit Bureaus have been ignoring my requests! I NEED THE CREDIT BUREAUS TO REMNOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX  XX/XX/202XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021. If the Credit Bureaus claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with these items which bears my signature, as they have failed before. In the absence of any such documentation bearing my signature, I formally request that these information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

Unable to access transunion site to get my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.