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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX  Please remove it from my credit report.
Product: Student loan

Fed Loan Servicing misapplied a loan payment by not distributing across all the loans in my package, and then agreed that it was a processing error. They agreed to reapply the loan payment backdated to the correct payment date, but that was over a month ago, and the representative ( XXXX ) I just spoke with said that the processing center had yet to do so. I am trying to maintain eligibility for public service loan forgiveness, and I am concerned that any persistent perceived delinquency, even though it was the servicer 's error, may cause problems applying for loan forgiveness when the time comes. They have not yet rectified the underlying misprocess, and I would like a record of what happened and how the situation was rectified for my personal records.
Product: Money transfer, virtual currency, or money service

I sent payment using PayPal credit when the payment was requested from me I inadvertently created a duplicate transaction upon realizing that. I notified PayPal that the second transaction was only a duplicate. and it not to been processed. I later found out that the first transaction was not paid to the recipient. so the recipient has not received any of the payment. 1. PayPal has failed to accurately update my account to one reflect the cancellation of the duplicate and 2. PayPal has failed to refund the transaction that the recipient was not able to get. so now I am being charged interest on to {$400.00} transactions which have gone nowhere because the recipient has not received the authorized 400 plus the cancellation of 400 which was a duplicate and PayPal is not canceled the payments and I am being charged interest for almost 2 months yet the funds have not been paid to recipient, the other {$400.00} amount is a duplicate which I requested to have cancelled and it too has not been cancelled causing me to accrue interest unnecessarily.
Product: Vehicle loan or lease

I bought an XXXX from Carmax and subsequently lost my job and haven't been unable to pay it. I took the car back to a Carmax dealer and got an offer for XXXX which seems fair however CarMax finance is saying that I owe over XXXX. One that isnt the best and second the original amount was XXXX. So on top of insane fees Im looking at a short sale of sorts. I asked if CarMax finance had a way to do that and basically got a no so my only option would be to let them charge it off at the end of this month and then it would have to be repossessed which means I would get a whole lot less than the XXXX and then at that point it becomes an unsecured debt. That difference would be substantial plus fees! I clearly cant pay it off. Its several months past due and I understand CarMaxs finance issue but I think its insane to not be able to sell it to the dealer ( owned by the same company ) and then let them either add more if they can sell it for more or at least charge of the smaller amount if they allowed me to sell it for what its worth. Its in great shape ( thats not my opinion that is exactly what the dealer said ). There has to be an option to sell it without just letting it get repossessed
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect balance of Capital One credit balance reported for Account ending XXXX where I am a co-signer/and-or authorized with XXXX XXXX XXXX at XXXX father XXXX XXXX, XXXX XXXX, New York XXXX. 

The available credit is approximately {$390.00} and balance is {$110.00}. 

This account is not reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and Equifax  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ;
Product: Checking or savings account

Amendment of previously unpaid CFPB complaints against Wells Fargo Bank N. A. " XXXX XXXX and XXXX XXXX et. al. ". Attached please find Theft Report, FTC Defrauding Consumer Report, CFPB complaints, Barring Notice, evidence of unpaid promotion bonus {$1100.00} and {$820.00} etc and banking transactions, Wells Fargo closing letters etc. 

Wells Fargo Bank N. A. repeatedly deprive consumer rights to prevent completion of promotion bonus requirements by closing consumer new accounts within 24 hours in XX/XX/XXXX by XXXX XXXX and within 10 days in XX/XX/XXXX by XXXX XXXX. Plus a fraudulently cashed checks {$750.00} in XXXX. 

Although complainant followed the requirements. However, Wells Fargo bankers failed to give me applicable time such as 30 days or 90 days to complete the promotional requirements according to the bonus requirements. Attached please find Wells Fargo closing lettes dated on XX/XX/XXXX and another closing letter dated in XX/XX/XXXX. 

Also, Wells Fargo bankers and tellers intentionally block the transactions such as : failure to complete applicable deposit on XX/XX/XXXX after verification from complainant and another financial institution. 

XXXX XXXX must pay off the debt {$1100.00} plus 20 percent interest as well as all related damages and losses for deprive consumer rights, deceptive marketing practices, defrauding consumer etc starting XXXX based on the completion of requirements by complainant. 

Further, two fraudulent checks {$750.00} plus 20 percent interest must be paid off starting XXXX plus all applicable damages and loss such as health, privacy etc.
Product: Debt collection

RSG Financial added the account in collections to my credit report. They have not contacted me by phone or in writing and refused to provide details when I tried to call and get more information after seeing the collections account on my credit report due to the fact I was not comfortable giving them my social security number over the phone. 

RGS FINANCIAL Last reported XX/XX/XXXX {$260.00} Open balance 11 XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 11 XXXX XXXX
Product: Credit card

Apple card system mistakenly made a payment with my old account, I have not used it for years and it was closed and the payment was rejected. As soon as I noticed it I got it fixed and paid with the correct bank account. I was charged with an interest of XXXX. I chat with an agent XX/XX/XXXX and the agent waived the interest and issue a full refund and told all are in order. An interest of XXXX was charged again. I chat with them again and the agent told me it is because I did pay the previous balance in full. The fact is XXXX, I paid every statements in full. I paid XXXX statement {$3.00} in full XX/XX/XXXX, it was late due to the payment was mistakenly charged to my old closed account by mistake of their system, I paid XXXX statement balance XXXX in full XX/XX/XXXX, XXXX day before the due date and I even paid XXXX statement balance of XXXX in full XX/XX/XXXX, it is due XX/XX/XXXX. 
XXXX, while I chat with their agent XXXX. the agent agreed that no interest should be charged. I paid the XXXX XXXX statement balance and the agent credit the interest of XXXX back to my account and confirmed to me every thing is ok. I was not told that if I do not pay the account balance of XXXX, XXXX would be accrued to the pending XXXX balance
Product: Money transfer, virtual currency, or money service

I sent a payment of {$380.00} to a family member using Cash App. The family member recently got a new phone and can not log into his Cash App account. He is elderly and not very proficient with apps. He can not log into his account to receive the money that I sent him. 

He called Cash App customer service and they told him he can not recover his account. So I called customer service and asked to cancel the payment so that I could get the money back, but they refuse to cancel the payment. 

I want to retrieve the {$380.00} that I sent because my family member can not get into his account to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an alert notifying me that a new collection had been reported on my credit bureaus. I checked and saw that a company called XXXX XXXX XXXX was showing a debt owed. This was a surprise to me because I had not received any type of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. 
I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/2022 which is fraud. 

In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX - Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A - States I have to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Student loan

My loan is in default and has been referred to the guarantor. I contacted the guarantor and was told to contact Navient. Navient allowed me to make a payment. I was then instructed to setup auto payments in order to allow Navient to " begin '' working with me. The payment posted to the account after three business days. I called back to setup the online payment and I was told that there was nothing they could do until the account was under so many days past due. So, I was given incorrect instructions from the beginning and led to believe that my account would be brought into a status so that I could get on income based payments. I have a few options left that are not palatable, but I am tired of working and doing what I am told to do and then being told that it is not enough.
Product: Debt collection

XXXX/XXXX/2016, I 've sent a dispute to IC System regarding an XXXX account XXXX that has been paid. The agent name XXXX XXXX told me to send the letter and they will forward it onto XXXX to resolve this account I have been disputing for years. On XXXX/XXXX/2016, I called IC System at XXXX to get an update of my account, but the rep transferred me to an XXXX account receivable rep. name XXXX. XXXX asked for my name, account number, social security number, and address. XXXX with XXXX stated she do not show that I owe anything with XXXX for a u-verse account. I asked her please help me with IC system because they keep telling me that they are collecting these funds on behalf of XXXX. This has been a constant battle and I feel it is unfair for them to report on an account that has been paid and resolved. 

On XXXX/XXXX/2016, I asked the gentlemen at IC System to provide the XXXX Dept. name and XXXX phone number that is consistently reporting this XXXX Account balance of {$270.00}. The rep at IC System stated that he can not provide the name and number ; they only contact with XXXX is by me sent a dispute letter to forward to XXXX. I have sent a letter of dispute on many occasion, but it does not seem like IC System is forwarding the information to XXXX to resolve my account. Here I go again with the same run around by IC System ; IC System has not provided proof they have contacted ATT to delete the account that has been paid and resolved.
Product: Credit card or prepaid card

XX/XX/20 to CFPB Received a letter today, XX/XX/20, dated XX/XX/20 from Capital One! Says : IMPORTANT INFORMATION ABOUT YOUR ACCOUNT! Dear MY NAME : " Recently, during a regular account review, we noticed youve only been using a portion of your credit line. To better fit your card usage, weve reduced your credit limit to {$2000.00} dollars. I want to file a discrimination application against Capital One as they decreased my credit limit from {$8000.00} to {$2000.00} without my permission. There was no reason for them to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting a loan that has been paid off.

Company has accessed my report without my written consent.

Company is ruining my reputation.

Company is reporting a false address.

Company is in violation of multiple offenses of the Fair Debt Collection Practices Act.
Product: Debt collection

On XX/XX/XXXX, a summons was left at my door saying I am being sued by XXXX XXXX XXXX, XXXX, represented by Mandarich Law Group for debt they claim I owe them in the amount of {$5300.00}. I electronically answered the summons denying any knowledge of this debt to them on XX/XX/XXXX, sending a copy of the answer to Mandarich Law Group and the court. I then received a false response by Mandarich Law Group dated XX/XX/XXXX stating that I did not respond to the summons on time and that they were requesting a default judgement be made against me which I believe was a tactic used to scare me. After waiting another couple of months, Mandarich Law Group sent a request for admissions on XX/XX/XXXX. This debt that I allegedly owe is time barred as the applicable statute of limitations in California has expired on XX/XX/XXXX according to documents they sent me. They now on XX/XX/XXXX requested a hearing for XX/XX/XXXX. This violates Rule 1006.26 Collection of time-barred debts by the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires crediXXXX reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : 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 Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation. 
3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : driver 's id proof of address social security letter to the credit bureau images of each account with XXXX
Product: Debt collection

I tried calling the company in XX/XX/ to let them know I did not open this account in my name.