23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted a collection company that is the only negative thing on my credit report. I asked them to give me a better rate and i would like to pay it right away. I spoke to a supervisor named XXXX. I asked him to please provide me a debt letter as well as a letter in regards to our agreement which will state that I am paying them a lump sum of {$3500.00} and they will delete this off my credit report. He told me that by law he does not need to provide anything in writing and they will delete this off my credit report after i pay. I asked him politely to provide me a guarantee that this will be deleted and he refused. I contacted XXXX  and asked them if debt collectors can provide letters stating that after balance is paid they willl delete it from your credit report and experian said yes they must provide you a letter. Please help me resolve this issue. This is the only one account that is ruining my credit. My father had a XXXX XXXX in XXXX and was left a complete vegetable for almost 9 years. in XXXX he passed away and i had a hard time with finances. I am a single mom of XXXX with a good career and trying very hard to improve my credit, so i can be able to purchase a home. I can not afford to hire an attorney. XXXX  recommended i file a formal complaint with your agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted TDBank to inquire as to why there was a credit pull on my report, they had not knowledge of this being done or my information. But for this i took a XXXX point hit for no reason. I then contacted XXXX to file a dispute. This is currently be looked after. I will know within 72 hours.
Product: Debt collection

On XXXX/XXXX/XXXX I received a phone call from my payroll department stating that XXXX XXXX XXXX will be receiving a portion of my wages through a garnishment. I filed a complaint with the XXXX against XXXX for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. XXXX. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from XXXX 's attorney, XXXX XXXX, on XXXX/XXXX/XXXX stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by Wells Fargo Bank , N.A . He stated that the account was opened on XXXX XXXX, XXXX, and was charged off on XXXX XXXX, XXXX with a default balance of {$1500.00}. 

I have several issues with the information provided in his response. 1. As of XXXX/XXXX/XXXX, I still have not received any documentation from XXXX XXXX or XXXX verifying the validity of this debt, as requested in my first correspondence with them, and as was stated by XXXX XXXX was mailed to me. 2. I have never had a credit card account with Wells Fargo Bank , N.A . 3. On XXXX XXXX, XXXX, I was XXXX YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been XXXX years old at the time it was opened. ) XXXX XXXX/XXXX/XXXX, I responded to XXXX XXXX stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, XXXX had received {$800.00} from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied. 

On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating that XXXX believed the debt was mine, and would continue to garnish my wages. He directed me to call XXXX XXXX, an account XXXX, to discuss a resolution that would be satisfactory to both parties. 

To date, XXXX has taken {$1800.00} from my paychecks. In the documentation provided to me by XXXX XXXX, the original debt was {$1500.00}. However, XXXX is garnishing my wages in excess of {$3900.00}. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it! 

I do n't believe I can resolve this without help. My first attempt to resolve this through the BBB was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Records show I initially received notification up updated payment coupon of loan, dated XX/XX/XXXX. Initial terms of the loan was acquired from XXXX XXXX, indicate there was 75 payments to be made in approximate amount of {$490.00} each month. 

However records actually show approximately 77 total payments made. 
Using coupons provided, the last payment was made on XX/XX/XXXX. 
I received a Notice of Default and Right to Cure, dated XX/XX/XXXX ( See Exhibit XXXX ). 

I immediately contacted PNC Bank customer service and spoke to several representatives regarding my dispute. I received a call back from customer supervisor, XXXX XXXX regarding my dispute on XX/XX/XXXX. 
Upon receiving an accounting detail record, I could see obvious discrepancies in how my overpayments were being applied and excessive late fees assessed ( See Exhibit XXXX ). Customers were also offered a deferral/forbearance during initial COVID period in XXXX of XXXX. 
All the while, I was still assessed late fees even while making payments. I show first discrepancy of {$600.00} payment made on XX/XX/XXXX being reversed. There are no records with my bank showing return payments. All the while, the accounting summary shows I was assessed and carried over late fees each month with no notification to me. 
A second instance shows a payment of {$500.00} received on XX/XX/XXXX ; yet there was no change in the running balance from the prior month of {$15000.00}. 
A third instance shows payment of {$500.00} on XX/XX/XXXX, yet the running balance was only reduced by {$5.00} ( to {$15000.00} ). 
Additional {$500.00} payments were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively ; yet no change in the running balance showing {$15000.00}. 

On XX/XX/XXXX records show I made a double payment of {$1000.00} and which shows an overpayment and principal credit adjustment. Records show I continued to make overpayments each month, yet no explanation on how overpayments were being applied ( principal reduction or reduced future payment ). 
I subsequently attempted to call the customer supervisor and left messages, and was later told he was on two-week vacation. The representative then recommended I go into the branch location to speak to the branch manager. 

I then went in early XXXX, and wasted 1-2 hours sitting down a loan officer/assistant manager, who couldnt understand the discrepancies either when reviewing the accounting summary ; which showed a remaining balance of only {$79.00} verses the default letter balance of {$460.00}. 
Upon conference call with their corporate loan department, I was then told I had to write a formal dispute letter and the branch manager couldn't assist me after all. 

Even after I initiated a dispute by phone and at the branch, PNC has continued to misreport to all major credit bureaus, and which has negatively impacted my credit rating and ability to apply for credit. They have refused to respond to my dispute.
Product: Credit card

Today I called Capital One to file a dispute with two Charges from XXXX. The representative that I spoke was not paying attention being she had asked me if I discussed the charge with my husband and I said no there was no reason being he has his own XXXX account but that was not enough with her being she maybe he used it. I told her there no reason to discuss the dispute with him as he did not use my card being he does not have my card ( s ). The representative informed that she was going to send me a card and I said no but that did not stop from deactivating my card without telling me. I became very upset. I then spoke with her Supervisor XXXX who said he can not do anything being card was de-activated already. I then informed him that I want my card sent to me overnight and he said no problem. After he gave me my case number at my request he stated he can not send me a card and that I would have to speak with a Supervisor in the Specialist Dept. he did not know why he could send me a card. He informed me he was going to explain to the Supervisor the situation. I then spoke with XXXX whom started process to mail me card for which I explained that the Supervisor promised me my card would be sent over night. I was then told she can not send me my card over night but would speak with someone higher up. She came back on the phone to tell that she can not do anything that I would be receive my card 4-6 business days. I was very upset and I informed her that I would file a complaint with this agency. I want to this agency to investigate why my card was deactivated without my consent or knowledge and why did the Supervisor could not send me a new card and finally why he failed to inform XXXX to mail me my card over night. Please feel free to contact me via email if anyone has any questions. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE CREDIT INQUIRIES ARE UNAUTHORIZED AND NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXXXXXX XXXX Account Type : CHARGE OFF ( Closed account ) Amount due : {$1200.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to find inaccurate accounts on my credit report, and I can't figure out how they got there. I routinely check my credit, but today, these errors just appeared out of nowhere. I even refreshed my browser, thinking it was a glitch, but nothing changed. These wrong accounts stayed on my report despite that. Given the situation, I am pleading for a thorough review of the documents Ive submitted so I can stop worrying about this once and for all.
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. 

Account name : OFFICE OF THE ATTY XXXX # XXXX Account name : XXXX REWARDS # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 

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

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

The MARCUS Application on my XXXX was showing an incorrect balance and added CD 's to my balance that were already closed ... .I only found out because I was going to close the CD 's and the application said there were " technical difficulties ''. 
I called MARCUS and spoke to a supervisor. His computer showed a different balance than my XXXX app... .a very significant difference! Also, his computer showed 2 CD 's had been closed in XX/XX/2022 ... .but this did not show up on my MARCUS XXXX app. 
He suggested originally suggested I delete the application then re-load it ... .but I did not ... .I just don't understand why I can sign in and log out of the MARCUS XXXX app and get entirely different accounting from what MARCUS has !
Product: Credit reporting, credit repair services, or other personal consumer reports

Initiated disputes via mail and online with Experian, providing proper identification documents, sent via certified mail # XXXX XXXX XXXX XXXX XXXX on XXXX. The online method issues auto responses without providing any information about how accounts were verified, even though the accounts still report inaccurate and missing information. 

The following accounts have been repeatedly disputed due to inaccuracies. The CRA has a pattern of denying my rights under the FCRA ( sect 611 ). They have reinserted inaccurate and incomplete information further depressing my credit scores. Experian has stalled my dispute process randomly requesting identification documents which they have on file and, were submitted with my disputes. 

The following accounts continue to report inaccurate, missing and unverifiable information : 1.  XXXX/XXXX  Account # XXXX : Date Opened XX/XX/XXXX : Account has missing information which the CRA will not update ; Highest Balance, balance. Request for immediate deletion. 

2. XXXX Account # XXXX : Date Opened XX/XX/XXXX : The account is missing its complete payment history. It is only reflecting 7 months of my payment history. Request for deletion due to incomplete information and failure to resolve within time allowed by FCRA. 

3. XXXX/XXXX  XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account is missing balance which should read " XXXX '' /XXXX. It is left blank. Request for payment history verification due to inaccurate missed payment was not honored. Request for deletion due to inaccuracies. 

I have a right to complete and accurate information, or the accounts here must be removed immediately. I am respectfully asking them to comply with FCRA.
Product: Debt collection

I n  XX/XX/XXXX I  went to the  XXXX  dealership and finance a  XXXX   XXXX   XXXX . Unfortunately, within the first month my vehicle had been involved in an accident that was not to be covered by my insurance company. The mechanic shop closed  for 3 weeks as they were  in the process of changing their name due to legal issues and Wells Fargo was well aware. Despite the fact that Wells Fargo told me they would be recovering my vehicle from the auto body shop and auctioning it off to cover their fees as well as the mechanic shops fees this did not occur. The mechanic shop was able to obtain a lien on my vehicle and sold it for  XXXX  at an auction. Despite my written attempts to get it removed it still remains on my credit reports for the full balance of the car loan as I had not yet had a payment due at the time of accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XX/XX/2021 I mailed Transunion with a letter from the US District Court stating that they do not report anything to the credit bureaus. Transunion has not replied with any names or contact information for who they have verified this XXXX with. This reporting is illegal under 15 USC 1692E and 15 USC 1681b. It has been over 90 days with no response from Transunion.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

I am filling this complaint that's against Equifax for failing to proper investigate regarding my inaccuracies in credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates ( FCRA ) the Fair Credit Reporting Act, 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of their investigation.
Product: Credit reporting or other personal consumer reports

Equifax is reporting my XXXX XXXX Account credit card account ending in XXXX balance incorrectly and points are being taken from me for inaccurately reporting. I have contacted them several times and information has yet to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX XXXX XXXX U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I was told that i will be sued and also did not see anything in writing about it being put in collections keep getting threaten.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

The credit bureaus, XXXX, XXXX and Experian wrongfully removed two  accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ). 
When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary. 
I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates these accounts. 

These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are NOT complete and accurate. 

The original balance is inaccurate and conflicting The last payments are inaccurate and conflicting The date closed is inaccurate and wrong. 
The dates of the monthly payments reported are inaccurate and conflicting.
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 or delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX