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

Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b.

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments XXXX XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX The XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties. 

Please note that due to my current physical situation, which is the result of a prolonged XXXX sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX
Product: Debt collection

I am writing to you in regards to the debt collection activities being conducted by your company, regarding the alleged debt. This letter serves as a formal demand for you to immediately cease and desist all communication with me regarding this debt. I dispute the validity of the alleged debt and request that you provide me with all necessary documentation to substantiate your claim. Until such documentation is provided and the debt is proven valid, I insist that you refrain from any further communication with me, including but not limited to phone calls, letters, emails, or any other form of communication. Please take note of the following : XXXX. Cease and desist all communication with me regarding the alleged debt. XXXX. Do not contact me at my residence, workplace, or any other location. XXXX. Do not contact any of my family members, friends, or associates in relation to this debt. XXXX. Do not report this alleged debt to any credit reporting agencies. XXXX. Do not initiate any legal proceedings against me without providing proper documentation and proof of the debt 's validity. Failure to comply with this cease and desist demand will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. I will not hesitate to take legal action to protect my rights and seek remedies available to me under the law. Please be aware that this letter is not an acknowledgment or admission of any liability for the alleged debt. It is solely a request for you to cease all communication until the debt 's validity is proven. I expect your immediate attention to this matter and a written confirmation that you have complied with my demands. Any further communication from you should be solely for the purpose of providing the requested documentation or notifying me that you have ceased all collection efforts. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

So I've provided Experian with dispute request for many negative charges that were on my account some with I want that I still have open and active that are in good standing one of them being my XXXX XXXX loan for my home, Experian has this dispute center on their website that you can go in and dispute inaccuracies on your credit report, so I disputed some names that they had for me, which were not my legal name, nor have I ever used. I disputed some addresses that I've never lived at and phone numbers as well as creditors. Basically, these were charge-offs where the company sold the outstanding balance to some other third-party, who continuously keeps replying these negative derogatory against my credit report when I have requested on several occasions for them to send me proof. That they have documentation with my signature on it, showing that I approved them buying my debt. They have not produced any evidence to me that I signed anywhere that I was approving for any debt collector to purchase any of my outstanding debt. 

Experian decides in their dispute section that they aren't really disputing anything because within 24 hours after I put in a dispute unsaid information, they come back and have not done anything to assist. There is no way you can feasibly tell me that Experian. Contacted these creditors and talked with them and got any pertinent documentation to keep the stuff on my credit report they come back at me saying denied. They didn't even go as far as removing the incorrect names on my credit report or the incorrect phone numbers or addresses.
Product: Credit reporting or other personal consumer reports

The accounts listed below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX I reviewed my Experian credit report on XX/XX/year>, and observed incomplete and inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must use reasonable procedures to ensure the maximum possible accuracy of information in consumer reports ( 15 USC 1681 ( e ) ( b ) ).

Under 15 USC 1681 : Consumer reporting agencies are required to promptly delete or modify inaccurate or unverifiable information after a consumer dispute ( 15 USC 1681i ). 
They must promptly notify the furnisher of information if it has been modified or deleted due to a dispute ( 15 USC 1681i ). 
Consumer reporting agencies are prohibited from furnishing information to any consumer reporting agency if they know or have reasonable cause to believe it is inaccurate ( 15 USC 1681s-2 ).
Product: Debt collection

XXXX Adding to this complaint. Wells Fargo for years never explained the added account. They are so well groomed on how to commit fraud and what to say to get out of it. Even payoff was over the amount owed. How can a XXXX  person fight a well groomed predator. 

XXXX XXXX is allocated for victims of Wells Fargo Fraud. Opening up an account that should not have been opened. 

My suggestion to CFPB that XXXX is given to each victim, myself included, and any victim who paid off their foreclosure to retain their home should have their credit report wiped clean from any negative remarks from late payments to foreclosure for the victimization of Wells Fargo. This will eliminate attorneys and anymore contact. Victims are those who are gaslighted but a corporation who knows how to lie through their teeth, get people to agree on something knowing the groomer will benefit and the victim will fall victim again. 

This will give many, many victims a starting point to rebuild not only their credit but the financial hardship of foreclosure Wells Fargo put their victims through. 

Wells Fargo to payout XXXX to all their foreclosure victims especially from XXXX to XXXX who obtained a loan from XXXX to Wells Fargo. The victims truly don't know and still don't know how Wells Fargo manipulated the loans due to their removal and destroying checking and saving account documents.
Product: Debt collection

I received mail regarding two separate debts I owe to Phoenix Financial Services. I mailed a letter to the company requesting validation of the debts beginning in XX/XX/2021. I received a letter in the mail from the company after at least two letters they have received from me requesting debt validation. The letter contained vague information with only my name and the current creditor of the debts I supposedly owe, which was another debt collection company as well as the original creditor, a company I do not recognize. The packet of information did not include the items that I requested. Some of the information was incorrect, I did not recognize some dates of service listed or physician names, and I could not validate that I owe this debt to the company. After receiving this letter I sent another letter explaining I was not able to validate the debt and they did not send the information I requested. I then received a letter from the company that one of the two debts they claim I owe was removed. I sent another letter asking the company to either validate or remove the other debt as well. I then received a letter from Phoenix explaining that I have made no new requests and that the dispute will not be investigated. After receiving this letter I sent a final letter saying they have made a mistake and that I never received validation for this debt and again to validate or remove the second debt. I have not received a response from the company nor has the debt been removed.
Product: Debt collection

gregory funding is my company from my house when the pandemic I couldn't pay they gave me XXXX months of help after XXXX years they want to let me out of my house and they want to set up payments they promised me that they would put the balance on the principal and now they want the payment total and I can't pay everything I asked you to help me but you don't want to thank you I hope you will help me I want to make payments but you don't want to after XXXX years without arrears thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts reporting on my credit report
Product: Debt collection

Lived in an apartment that was managed by XXXX XXXX during COVID from XXXX XXXX XXXX the apartment received our 60 day notice. During our time with the apartment we fell behind on rent and entered into a payment arrangement which was paid in full by the move out date. Bank statements will be provided upon request. XXXX XXXX then proceeded to sell imaginary debt to Rent Recovery. Not one of these two parties notified me of any remaining debt after my move out date despite having my forwarding address, email, and phone number. When I asked the parties to validate the debt they refused i have been waiting for over a year to see proper paperwork. We have had this problem with XXXX XXXX in the past it is clearly a problem within the company. I have disputed all three credit reporting agencies they will do nothing and state that false paper work is valid. proof will also be given upon request. XXXX XXXX and rent recovery seem to have quite a scam.
Product: Credit card

Our credit cards were closed due to filing complaints on their faulty accounting process. 

We have XXXX outstanding credit balances and our earned bonus cash reward was not received. 

Credit balance : $ XXXX Credit balance : $ XXXX Rewards earned : $ XXXX Please settle the above, it's been 2 years since the last incident. 

Thank you, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

companies are illegally on my credit report
Product: Debt collection

USCB AMERICA keeps reporting multiple collections accounts on my credit bureau for an invalid debt. The amounts are due to accounting and billing errors by XXXX after a XXXX. I paid my copayments and deductibles and the reported amounts are due to billing/accounting miscalculations. Now USCB is reporting the info under four different accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2020 I spoke with XXXX XXXX and he was EXTREMELY RUDE and unprofessional. He would not let speak he kept interrupting me and not letting me answer his questions. When I asked to speak to a supervisor he hung up on me. I do not understand why he was so rude and unprofessional. I was only trying to get some issues resolve and he wasnt letting that happen.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I put a credit freeze on Experian, XXXX, XXXX and XXXX. I made note of the PIN numbers but did not have a PIN number for Experian. My husband and I are refinancing our mortgage and I was able to temporarily unfreeze on XXXX and XXXX. When I tried to unfreeze on Experian both by phone and online, it did not recognize my information. My only recourse is to request by mail, which will take too long and potentially jeopardize the refinance. I was not able to reach a customer service person to help me resolve this. My complaint is that with time sensitive issues like this, the consumer should not have to wait for a mail request to be processed. These companies, which we have no control over, should have a way for customers to reach an actual person. Is there any way for a consumer to opt out of these reporting agencies? Is there any recourse or penalty for this company for not providing appropriate consumer service? Are we simply at the mercy of these companies?
Product: Vehicle loan or lease

I had bought a new XXXX XXXX XXXX in XXXX 2010 and I had a contract to finance this car for 72 months. I deferred a few payments over the time when I bought the car. The car was financed for {$27000.00}. The car should have paid off by now and I talked to the finance company XXXX XXXX to see how much I owe and they say I still owe over {$13000.00}. This amount is crazy I asked for an audit of my file and they wo n't do it they say everything is correct. There is no company on this earth that would finance a car and if someone is that far behind in payments would n't repo the car. They know I make my payments in a reasonable amount of time over the years of finance even my credit report shows. Now I 'm afraid they will repo the car that I should have outright owned a year ago. Is there any help I can get to rectify the situation? They are telling me I have to pay over {$13000.00} to pay off the car.
Product: Checking or savings account

Someone has hacked or gain access to my ( Truist ) bank account and made a payment with XXXX of {$1600.00} at XX/XX/XXXX. I then reported this to the fraud department which they said it would be refunded in 4 business days. I then got an email saying that they are not going to honor my claim. I have called their fraud department and they would not give me a clear explanation why this fraud is not being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Original Dispute XX/XX/22 advising that I HAVE NOT RECEIVED VALADATION NOTIFATION BY MAIL OR ELECTRONIC PRIOR TO REPORTING TO MY CONSUMER XXXX REPORT FOR PORTFOLIO RECOVERY ASSOCIATES. I NEVER AGREED OR SIGNED ANY CONTRACTS AGREEING TO DOING BUSINESS WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE PROVIDE THE ORIGINAL SIGNED CONTRACT. PLEASE PROVIDE CONFIRMED PROOF OF ME RECEIVING THE VALIDATION NOTIFICATION ( I NEVER RECEIVED OR SIGNED OR CONFIRMED ) PER MY CREDIT REPORT THE UNAUTORIZED BALANCE IS LISTED AS {$450.00}. 
I DO NOT AGREE WITH THE COMPANY 'S RESPONSE BECAUSE I NEVER RECEIVED VALADATION NOTIFICATION OR SIGNED A CONTRACT WITH PORTFOLIO RECOVERY ASSOCIATES AND THEY ARE IN VIOLATION OF MY RIGHTS UNDER THE FDCPA LAWS
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, XXXX of XXXX I requested XXXX to investigate and delete my XXXX XXXX accounts because the information that was furnished was incorrect. I provided paperwork from XXXX XXXX regarding account status effective XX/XX/XXXX. They failed to investigate and update the account to coincide with the letter. I then disputed the account due to late payments of being effected due to XXXX disaster. They refused to update. I then provided paperwork from XXXX XXXX stating that they couldn't comply with my correspondence because the accounts are not charged off. XXXX ignored that paperwork and continues to furnish incorrect data
Product: Credit reporting

I have closed accounts still on my report. I have hard inquiries on my report that I did not approve of
Product: Credit card or prepaid card

Please note that while this complaint is related to complaint # XXXX, it is materially different, as this complaint pertains to failure to provide an adverse action notice that complies with the law and the inconsistent, lack of knowledge on applicable laws by your customer service department. Between XX/XX/XXXX and XX/XX/XXXX, I have spoken with more Synchrony associates than I ever cared to even know were in your employ. A vast majority of those associates have taken extremely negative tons with me since you closed my accounts. They've been condescending, accusatory and most concerning have provided in accurate information. They have also repeatedly stated that my accounts were closed after a review of my credit report, however the letters I received to tell me you had taken this action fail to include the information you are legal obligated to provide. 

If you take adverse action based on information in a consumer report, you must tell the consumer. Your notice may be oral, written or electronic ; it must contain certain information : FCRA 615 ( a ) 1. the name, address and phone number of the CRA ( including a toll-free number for nationwide CRAs ) that supplied the report 2. a statement that the CRA didnt make the adverse decision and cant explain why the decision was made 3. notice of the consumer 's right to a free copy of their report from the CRA if they ask for it within 60 days FCRA 612 4. notice of the consumer 's right to dispute the accuracy or completeness of any information provided by the CRA FCRA 611 5. the consumers credit score, if a score was used
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered a bedroom set from Kohls. I received everything but the dresser that for some reason never shipped. I have contacted Kohls repeatedly to get a refund for the item. They have opened multiple tickets to investigate and keep coming back saying yes you never received it, we will issue a refund. I am told anywhere from 2-7 days and I never get it. I have made multiple phone calls as well as emails communications over this issue. I called again today and was told they will not issue a credit until the third party vendor they used says why they didn't ship it. I don't care why they didn't, they didn't and I want the money back. The items was XXXX. During one of the calls I told them I still need a dresser so they placed a 2nd order for the item again at XXXX. I did receive the 2nd one and was told at that point I would get the credit back for the 1st about the same time I got the 2nd dresser. Again this has been going on since XX/XX/XXXX and as of today there is still no refund. Here are the dates I have called, I believe there are a couple more early in the process but honestly didn't think I needed to be to tracking that closing. 
XXXX, XXXX. Email communications are from XXXX thru XXXX.
Product: Vehicle loan or lease

When I very first got the vehicle the car dealer did it electronically the car was worth XXXX and some odd dollars I paid a XXXX dollars down. Once I got the contract they was charge me XXXX dollars for a 63 month period the car had XXXX miles when purchased they ripping me off monthly payment is XXXX monthly this ridiculous on a used car with high mileage. I have the lady on record who I talked with
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that this account does not belong to me and is not attached to me. Please remove this account from my report