23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

OnXX/XX/XXXX I noticed that my Checking account had an unauthorized transaction in the amount of {$260.00}. I first contacted the creditor ( XXXX ). The representative stated that she did not see any transaction in that amount in my account. I proceeded to say, that those funds were taken from my account, which is causing me to go negative in my account. I then contacted Wells Fargo, the representative from Wells Fargo then stated that the amount in dispute was pending and that it would take about 1-10 days for the matter to be resolved. Since I have business with XXXX the Wells Fargo representative stated that this is not a fraud transaction. I called Wells Fargo todayXX/XX/XXXX and mentioned that my checking account keeps on getting overdraft because of this issue. The representative stated that I should call XXXX and ask them for the funds to be released so that I can get my money back faster. I contacted XXXX and their representative stated that they don't see the charge of {$260.00} posted to my account. They see that the amount was taken but they do not know where the money was posted to as is not reflecting on my account. They stated it would take about 48hrs for them to give me an answer. In the mean time, this is causing me stress because there are other automatic transactions coming out from my checking and it keeps on causing for me to get overdraft. I'm upset over the lack of actions taken from both ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

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- Has violated my rights XXXX XXXX - {$3400.00} - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX XXXX XX/XX/XXXX - Has violated my ri

ghts 1 5 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report update from XXXX XXXX on XX/XX/2019 : Midwest Recovery Systems put a {$200.00} collection account on my credit reports ( states between XX/XX/2019 and XX/XX/2019 account opened ). Collection states origional creditor was XXXX XXXX XXXX XXXX. I did not get a loan from XXXX XXXX XXXX XXXX, never received a call from XXXX XXXX XXXX XXXX, and no mail received. I did start a dispute with XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Citibank , N.A . 
XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX VALIDATION REQUEST AND CEASE AND DESIST and IMPERMISSIBLE REASON FOR CONTACTING MY CREDIT Dear CitiBank and XXXX XXXX XXXX XXXX : I am following up because I have not received a response to my XX/XX/XXXX, debt validation letter to CitiBank and am requesting additional information as well. 

You are seeking money from me for a debt amount I dispute. Please send me proof I owe the debt and stop calling the above number until you do. 

PLEASE CEASE AND DESIST FROM CONTACTING ME AGAIN WITHOUT FIRST VALIDATING THE DEBT. STOP CONTACTING MY PHONE NUMBER, EMAIL OR TEXT ABOVE. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : $ THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR ; $ VERIFICATION OF THE DEBT ; AND $ A COPY OF ANY VERIFICATION OR JUDGMENT IF IT EXISTS ; Further, in addition, kindly provide me with the following additional information : PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT, SHOWING THAT A CONTRACT EXISTS TO CREATE THE AMOUNT THAT YOU CLAIM IS OWED ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR Once again, both CitiBank and XXXX XXXX XXXX XXXX have failed to validate this debt. 

PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute that I owe this debt amount to you, and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please state why you have a permissible reason for contacting my credit. I dispute this. Furthermore, XXXX XXXX XXXX has no legal authority to access my credit information from any and all credit bureaus, which they have illegally done, and must refrain from further doing so! 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX XXXX age of account XXXX XXXX. $ XXXX Collections. 
IN accordance with the Fair Reporting Act 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 : States a consumer reporting agency can not furnish a account without my written instructions..
Product: Checking or savings account

Referencing case # XXXX, I contacted Citibank to inquire about missing XXXX XXXX  miles that were never deposited in my account as part of a promotion for opening a Citi Priority Account and spending {$1000.00} minimum and completing bill pays. The letter I received dated XX/XX/2019 states I did not complete the bill pays. I completed the bill pays through the Citi website for two consecutive months which makes me eligible to receive the promotion. I have been a loyal Citi customer for 2 decades with both their credit card products and checking accounts. Thank you.
Product: Debt collection

Avante USA is falsely reporting that I have an account with them for the original creditor XXXX. I have no contract nor any business with Avante USA or XXXX XXXX  XXXX. There is no account number to this account. I have no verification of me having a debt with any of these listed creditors. It's listed that I have a balance of {$2200.00}. It states that the account is open but it's placed for collection.
Product: Credit reporting or other personal consumer reports

In XXXX  XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXXXXXX XXXX XXXXXXXX ( Inquiry Date : XX/XX/XXXX ), XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX  Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXDespite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Payday loan, title loan, personal loan, or advance loan

I, XXXX XXXX XXXX, obtained a personal loan from One Main Financial services in XX/XX/XXXX in the amount of {$10000.00} to cover wedding cost and expenses. Per the contract/agreement The monthly installments amounts of {$430.00}, with a maturity date of of XX/XX/XXXX. 

My final XXXX payments were made in XX/XX/XXXX. A payment in the amount of XX/XX/XXXX a payment in the amount of {$1000.00} was paid to the account. Another payment in the amount of {$900.00} on XX/XX/XXXX was also paid leaving a balance, per XXXX XXXX XX/XX/XXXX account statement, of {$8.00}. 

Recently I received an alert to my credit profile that XXXX XXXX is reporting me as delinquent. I feel that this action has caused me credit denials, decreased my fico score, and overall credit score preventing my likelihood of purchasing a home in the next two months. 

Furthermore, XXXX XXXX, has violated the Fair Credit Reporting Act. More specifically the following : Section 611 - Procedure in Case of Disputed Accuracy : This section outlines the rights of consumers to dispute inaccurate information in their credit reports and the responsibilities of CRAs to investigate disputes. It requires CRAs to conduct a reasonable investigation, notify the furnisher of the information, and correct or delete any inaccurate or unverifiable information.

Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section places specific duties on those who furnish information to CRAs. Furnishers are required to provide accurate information and to investigate disputes regarding the accuracy of information they have provided. It also mandates that furnishers update and correct information that is found to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jered account # XXXX is reporting still that I was late on making a payment and informed me over two years ago that they were going to correct it and report it. The account show one late payment still as of today.
Product: Debt collection

I cosigned a student loan thru XXXX XXXX for my daughter XXXX XXXX and 2 years ago she defaulted on the loan and it was sent to XXXX XXXX XXXX. My daughter has been paying to the debt collection agency but missed a payment in XX/XX/XXXX and she called Mercantile on XX/XX/XXXX because she hadn't gotten a check from her work. Subsequently she called and left a message that they could resume debiting her account for the missed payment. I don't know what happened after that but I was told by XXXX that she missed the payment in XXXX and XXXX was not paid. On XX/XX/XXXX I went to check my checking account which is thru XXXX and XXXX had been taken out of my checking and XXXX? out of my savings on XX/XX/XXXX to settle one of the owed amounts. I called the bank thinking I had been hacked and that is when i found out about a closed account from XX/XX/XXXXand was given the number of the account and was told to go to the branch. I went and that is when I found out what it was about and that all of my money was gone. I never received a phone call or a letter about the missed payments. I am currently paying 3 of my daughter 's loans thru XXXX and have never missed a payment. My daughter has her own bank account but not thru XXXX  and she had {$6000.00} in her savings but instead of going after her they decided without any communication to garnish my checking and savings. I am currently unemployed as my entire department was eliminated in XXXX and this presents as a financial burden for me. Subsequently, I received a letter ( attached ) dated XX/XX/XXXX on XX/XX/XXXX of her still outstanding balance on her other loan that Mercantile has seen sent to a law agency. On the letter it distinctly says that " we have not been retained to file a law suit ''. They never sent a letter concerning the XXXX? and per Section 809 of the Fair Debt Collections Practice Act, the agency must give me 30 days written notice after which they can file a lawsuit and only after winning a judgement can they garnish my account.
Product: Debt collection

Contacted Diversified Consultants on ( XXXX {$1200.00} and XXXX {$480.00} ) and advised that i never had an account at the address services was rendered at and i would like to have it removed and i reported to the credit bureuas that i the address is not mine. I have lived with my mom for over 25 years.
Product: Mortgage

Nationstar was negotiating a HAFA short sale with us. We received a full price offer and were waiting on XXXX tasks to complete as well as their investor approval. Nationstar failed to request the trustee sale postponement and it went to foreclosure without our knowledge last month. We are STILL processing a short sale with them even today! Agents will lose their commission after working for 4 months on this file, sellers lose relocation funds, buyers lose their new home! This should have NEVER gone to foreclosure!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I've marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I previously had an account with XXXX XXXX. This account shows up on my credit report as paid, with a XXXX balance. The amount paid is also noted. 

Out of the blue, my credit report showed a derogatory hit from a company called Zions Debt Collections. The notations were derogatory to my credit and indicated that I owed XXXX XXXX almost XXXX! I have evidence this is a scam. Others have complained online about the exact same thing. XXXX owed and Zions trying to collect. 

I paid Zions, praying they will remove this, but when you try to call them they dont answer. This company has an XXXX  rating with the XXXX in XXXX. They have complaints with the national XXXX as well. 

Someone should investigate the almost XXXX unresolved complaints against Zions Debt Holdings.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX, GA XXXX RE : The inaccurate and certifiably noncompliant information you Uare reporting To whom it may concern : XXXX XXXX concert ormal objecion of infomalion publiched and provided by you to XXXX XXXX XXXX and XXXX XXXX as reported and I demand for swift action on your part. Additionally, *this solice also serves as mry fightul demand tor adequate. 

investigation/reinvestigation into every aspect of any delinquency nandlor derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXXXXXX XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged XXXX my the alert a court of eecre. tornally contest ireported to reportablity of the alleged Public Record. 

'Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically -verified each notation for maximum possible accuracy and ( ) compliance with all XXXX reporting standards. 



This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which XXXX XXXX the reporting mandates that there be no deviation from XXXX Ga Format compliance since, per the XXXX, XXXX  XXXX " Any deviation -from these standards jeopardizes the integrity of the data ''. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consur reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report that I believe to be fraudulent and I would like it to be removed. The date on the inquiry is XXXX and its from COAF.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit reports that were mailed to me were empty, and Experian was unable to create an online account for me. 
Since XX/XX/XXXX, I have called numerous times and filed several disputes, sending twice a copy of my social security card. To no avail. The Experian system doesn't recognize me. 
I have had a bank account with XXXX XXXX XXXX since XX/XX/XXXX. 
XXXX  XXXX XXXX conducted an investigation in XXXX that revealed that they have been reporting my credit to Experian, but Experian 's system does not accept this information due to an issue with my first name. 
My credit information appears in XXXX and XXXX without any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted a complaint about Ally Financial with your company back in XXXX and was sent notification that the late payment from XX/XX/XXXX was removed from my credit report in XXXX. Upon pulling my credit report XXXX is showing that I have XXXX accounts with Ally ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XXXX. I submitted a dispute with XXXX  over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with Ally changed again on my XXXX report, showing a late payment from XX/XX/XXXX and is out of date also because it does not show any of the current payments I have made since XXXX. The problem with XXXX is that it does not even have the duplicate accurate account that XXXX has. When I pulled my credit in XXXX my XXXX was accurate then changed 2 weeks later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have started seeing hard inquiries on my credit report which i dont have any knowledge about, moreover, I am not living in united states for more than 5 years, i am living in my home country XXXX. Below I will give the list of inquiries on my credit report please help me to delete them from my report. 

1 ) XXXX-Inquiry from XX/XX/2019 2 ) XXXX XXXX-Inquiry from XX/XX/2019 3 ) XXXX XXXX-Inquiry from XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern the credit bureau is reporting my balance on my account in correct. Most of the accounts have been sold to a collection company. In return the collection company is charging more fees. This is not right. So I want the credit bureau to furnish me the exact date the account was open and the last day payment was made. For instance XXXX has my charge of amount as {$35000.00} and then they have balance amount {$25000.00} so I want to know what happened to the payment insurance, Loan insurance And the Auto Receipt. Each month I have continue to lose anywhere between thirty or forty points and the credit bureau cant tell me why. I started with a XXXX score I was very excited I thought I was on my way to a XXXX score but all of sudden my score began to crumble. However I know the credit bureau is not in business to help the consumer. Thier only job is to make money of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To w hom it may conc ern, I mailed a  Multiple Inquiry Rem oval  Letter  on  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,    2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you belie ve this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report  display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.