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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding improper and inaccurate reporting by Experian Credit Bureau on my credit report. Despite multiple disputes, Experian has failed to accurately reflect the payment history and account details for an account associated with XXXX XXXX. The derogatory reporting of " CO '' ( charge-off ) and " Repossession '' is inaccurate, there are also late payments that are reporting inaccurately and does not align with the account 's true status. XXXX and XXXX have already removed the account. 

Please note, I am in direct communication with XXXX XXXX and they have confirmed Experian is reporting the account incorrectly.

This inaccurate reporting is a violation of 15 U.S. Code 1681e ( b ), which requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of consumer information. These inaccuracies have caused significant financial hardship, including credit denials, due to the derogatory impact on my credit report.
Product: Debt collection

Sunset Finance in XXXXXXXX XXXX. I have XXXX {$1000.00} personal loans that are not even 30 days behind and they have called my ex wife, mother, uncle, and ex father in law. Saying they need to get ahold of me about last money owed on a loan and I have told them I work XXXX XXXX to stop calling me and other family I am aware of what I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 3 different letters to each Credit Bureau XXXX, XXXX and Transunion within the legal timeframe to give them time to investigate. I did not get any letters or responses from neither of them. First letters was mailed on XX/XX/XXXX to all 3 Bureau. Second Round of letters on XX/XX/XXXX and the last round of letters was sent on XX/XX/XXXX. I still have not heard anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Checking or savings account

I'm writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have recurred despite having sufficient funds when transactions were authorized. I was charged fees due to lag posting of charges and credits. This issue aligns with the recent cfpb findings against Navy Federal for similar practices where transactions were settled with insufficient balances despite despite initially available funds I believe these are practices unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


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


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that a soft pull on my credit would be done and not a hard inquiry. I just noticed that it's still on my report and I'd like to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used credit karma for a couple of years and received multiple " pre approved '' offers via credit karma. 

I applied for at least 2 of them and was denied. My credit did go down as a result each time. I may have applied for a 3rd but I am not positive if I quit applying for them after the second or third denial.

I do not know if these denials resulted in a hard inquiry, I do know my credit went down appropriately 2 points each time. 

I also applied for 2 credit cards claiming no hard credit check and builds credit hat l was approved for. When they were reported to my credit it lowered my score by 42 points. 

At this point my credit is lower after following credit karmas " advice '' than it was when I began using their service. 

I do believe they are using misleading advertisements to entice people into applying for credit that they either don't qualify for, and also by misleading customers into thinking taking the suggested actions will truly help build credit. 

I have also paid extra on credit card payments because they claimed it would have a positive impact on scores, but the changes were less than claimed and pretty much negligible.
Product: Credit reporting

This is not my account. I contact to Franklin collection and they have the wrong Ssn .I also contact the C B and asked them to verify my ssn with Franklin collection and they failed to do so.
Product: Debt collection

I have been a victim of Identity Theft and have been harrassed by Portfolio Recovery for over 2 years of trying to dispute this issue. They are collecting for XXXX XXXX account that was opening fraudulently. Each time I spent hours on the phone with a Portfolio Recovery associate just to be contacted again the following day by another Portfolio Recovery Associate to say they have no record of the call i had the day before - this happening over and over again for the past 2 years. They are a terrible collections company that does not file any paperwork appropriately. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to Transunion regarding some items that are incorrect, they completed an investigation however the items remained. How can they remain if they are incorrect, I have successfully been able to remove from the other reporting agencies.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Mortgage

I applies for modification end of XX/XX/2023 after not able to make mortgage payment on time in XX/XX/2023. 

Over the last 6 weeks Mr.Cooper aka RightPath Loan Servicing has asked for same documentation 3 times. I attach a document and then next time XXXX call.to check up the underwriter can not find it or wants another copy. 

Nothing has changed but they ask again for same document for loan modification.
Product: Credit card

I am on my fourth attempt to received copies of the evidence the Goldman Sachs allegedly used to decide a credit card dispute against me, and now I have evidence that Goldman Sachs didn't collect any evidence from merchant. 

I started a {$370.00} Apple Card dispute with Goldman Sachs on XX/XX/XXXX after having several billing issues with an airline. The dispute was opened on that date and all of my supporting documents with clear evidence of the airline 's failure to provide the services charged were submitted to Goldman Sachs the same day they were requested on XX/XX/XXXX. Then, on XX/XX/XXXX, I received an email from Goldman Sachs stating that : " Goldman Sachs Bank USA has investigated your transaction dispute and found that no billing error occurred for the following reason : -The evidence received confirms that the travel was completed for your flight purchase ''. 

Surprised at this outcome, that same day I contacted Apple Card and Goldman Sachs to request copies of the evidence that was collected in their investigation and that was submitted the merchant airline. I was told that the evidence would be send via physical mail within 7 days. That same day I received a copy of all emails sent by Goldman Sachs regarding this dispute. 

I didn't receive any documents by XX/XX/XXXX, so I contacted Apple Card and Goldman Sachs again. This time, the Apple Card Specialist stated that the documents containing the evidence used for their decision were sent via email the same day. They were not. Giving them the benefit of the doubt, I again requested copies of the evidence and made it very clear that I wanted it delivered both via email and physical mail. I was again told the documents should arrive within 7 days. 

By XX/XX/XXXX, no documents had arrived via either method, so I again contacted Apple Card and Goldman Sachs. The first specialists that I was put in touch with said that there was no evidence submitted by merchant in her system.Immediately after saying this, she transferred me to another agent. The second agent then said I had no right to request evidence. After explaining to them how the law ( 15 U.S. Code 1666 ) gave me the right to request evidence, I was suddenly transferred to a third agent. The third agent said that they'd be happy to send the evidence within 7 days. 

It has been almost a month since then and I have yet to receive any evidence. My calls are now spending over an hour without being picked up.
Product: Vehicle loan or lease

At the beginning of the pandemic, I had lost my job. I did fall behind in the payments, but was keeping in contact with the company. On a Friday I spoke with Credit Acceptance and let them know that I had sent a money order to them in the amount of {$1000.00}. to get almost all the way caught up especially with them threatening to repossess my car. I was told that my name would be removed off of the repossess list that was for the upcoming Tuesday, due to Monday being a holiday. The morning of that following Tuesday, I had court at the courthouse in XXXX, MO. The sheriff comes into the courtroom to get me, saying that my car had just been repossessed and in a very illegal way. They have the tow truck company on video right after I walked into the courthouse back up to my car very quickly, hop out, connected up my car, and sped away. First issue is I had sent them payment, and was told I would not be repossessed, second ; local law enforcement was never notified of any repossessions being done until 3 hours after they repossessed it ; third, no contact was ever made with me to inform me of it being repossessed ; fourth, my vehicle was front wheel drive and the tow truck driver dragged my car front tires down for XXXX miles, the car was totaled because of it. In my vehicle was my medication that I need to keep from getting ill everyday, I can not miss a dose. I called Credit Acceptance who claimed they had knowledge of my car getting repossessed but gave me the number to the company they used for repossessions. The tow truck company then argued with me about getting my medication out of my car and continued to lie and make up excuses as to why I wouldn't be able to get my medication. Finally after 6 hours, my making a police report, and getting very ill with out my medication, I was able to meet the tow truck driver to get my belongings. My car was at the mans house in his back yard, that was in no way a business. I was told by XXXX County Police and XXXX County Sherriff that I needed to take pictures of any damages that were made to the vehicle. I took pictures of the front underneath being torn up, the front bumper being almost pulled under the vehicle, my tires that were almost worn through, that were brand new tires, and the guard underneath that was ripped off. Then I took pictures of where my car had been parked and you could see the drag marks from when he pulled away. The tow truck driver tried to claim he had pulled it out, but unhooked and re-hooked to the front, but the XXXX County Sherriff confirmed he did not. After that Credit Acceptance was unable to find my vehicle and thought that I had got it back and was demanding me to pay them. They said once they were able to speak with the tow company about where my car was located they would make contact with me to settle since my car was now totaled after they received a {$1000.00} payment from me. I have not heard from them at all since. I have disputed the report on my credit because of their fault my vehicle was totaled after I had made a payment and they were not able to ever find my car once the tow company took it in to possession.
Product: Debt collection

Navient has called XXXX times on XX/XX/year>. They called XXXX times on XXXX have asked to stop the calls and was told by a worker and supervisor that the computer makes the calls and they have no control over it.
Product: Debt collection

I was contacted by different people claiming to be a lawyer and requesting I pay a settled amount and not verifying how they got my information or what the original amount was that they say I owed. I asked for proof of debt and the original contract of said debt they were inquiring about. I never got clear answers and did not receive anything by mail or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent and call Transunion about my credit report 3 times, dispute and they have refused to address my concerns, - Certified letter and e-mail- phone call- The information on the account was paid in full showing 3 different accounts numbers. 
dispute inaccurate, incomplete, outdated and unverifiable items with all three national credit bureaus. ( XXXX, XXXX  and TransUnion ), but Transunion refused to address my student laon.
Product: Money transfer, virtual currency, or money service

I went to pay my employees tonight and my money got held for review. I submitted the necessary info and I am still unable to pay my employees. 

When I asked them when this would be resolved, they told me basically " we don't know. It could be a little or it could be alot. Just hang tight ''. 

Unfortunately that's not going to work when I have people in other countries depending on me to not be evicted from their house. 

The company gladly took my money, and then notified me it would be on hold which is absolutely unethical and probably illegal.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXX XXXX XXXXXXXX XXXX This inquiry has no permissible purpose to be on my report delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b 3. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXhis inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b 6. XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX inquiry has no permissible purpose to be on my credit report delete this inquiry due to violation of 15 USC 168b
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous item listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These item must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these item, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint regarding Sezzle 's failure to provide proof of debt for charges they claim I owe. Additionally, they have reported charges for items I never received, which has caused ongoing financial and credit issues.

This issue began when I was charged for items I purchased through Sezzle that were never delivered. Despite numerous attempts to resolve this matter with Sezzle, they have refused to provide adequate proof of debt or documentation supporting these charges.

I have attempted to dispute this matter with Sezzle directly, but they have failed to respond appropriately or take corrective action. This ongoing dispute has caused significant stress and harm to my credit report and financial standing.

I am requesting the following resolution : Sezzle must provide clear and verifiable proof of the debt they claim I owe.

Immediate removal of any related charges from my account and credit report, as these charges are for items I never received.

An investigation into their practices to ensure this does not happen to others.

I have attached all relevant documentation, including purchase records, correspondence with Sezzle, and evidence supporting my claim that the items were never delivered. 

Thank you for addressing this matter promptly. I look forward to your assistance in ensuring a fair resolution. 

Sincerely, XXXX XXXX
Product: Credit card

I am a victim of identity theft from more than XXXX years ago. Someone tried to open a Wellsfargo Card Services Account in my name which caused an inquiry on my credit report. I have a fraud alert on my credit report stating to not extend credit unless I am contact to approve anyone to view my report. I have disputed this information more than XXXX times and have received XXXX letters asking for information. I have faxed it more than XXXX time and the last representative accepting my personal information over the phone. I received another letter on XXXX XXXX, 2015. I called and spoke with XXXX XXXX, she was very rude and unprofessional and It was discriminating. She would not give me her ID number or connect me with a supervisor. She stated that she did not have an ID number. I was treated unfairly and I have sent them what they needed more than enough times. I want this inquiry removed from my XXXX credit report. It was on XXXX XXXX, 2015. I can be reached at XXXX. Once it it removed I am requesting Wellsfargo to send me something in writing.
Product: Student loan

Took out student loan for my daughter on XX/XX/XXXX ; total loan was {$88000.00}. I lost my job in XXXX and was out of work all of XXXX. I returned to work in XXXX at a greatly reduced income. In XXXX I requested payment options but was only offered forberances to the point the loan amount due doubled, {$170000.00}. Only then was I offered a monthly payment which totaled over {$1500.00} month. I am now again unemployed and as of XX/XX/XXXX am being threatened with legal and garnishments.