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

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Since you have assumed the role of reporting this information to my consumer report without my consent, by law you are required to report accurate information to my consumer report, with regard to my confidentiality as a consumer.

Please provide in detail the procedures that were used in order to validate NOT verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, it is not only detrimental to me as a consumer, but an invasion of my privacy. The reporting of
these alleged accounts are a defamation of character, and bears negatively on my reputation and mode of living as a consumer. It is unlaw to report any alleged information to my consumer report, as information that have not been validated is identity theft and an act of constructive fraud. So these accounts must be removed immediately. Under the FCRA, and the Gramm-Leach-Blilely Act I have the right to opt out of any reporting of information to my credit report. As written by congress the failure to comply with the removal of these alleged accounts makes you liable under section 1692k of title 15 and 1681n of title 15. So as a consumer I am demanding that the following accounts be removed within 4
business days after the receipt of this complaint. As by law notice is taken place at the receipt of of this complaint. As a consumer I also do not consent to any of these accounts being put into dispute for any reason, as the violations said in this complaint are clear. If you fail to comply I will go to my Attorney General for further action.

Please also do not try to contest this complaint by saying this was sent by a 3rd party or by someone else. You tried that when I initially communicated with you directly and this is why I moved to file a complaint with the CFPB. I am consumer who knows her rights, and did not give any consent to these alleged accounts to be included in my consumer report, and I am opting out of the reporting of these alleged accounts. 

The following accounts need to be removed : XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX I also attached a identity theft report because your company has stolen my identity, and I did not give your company any consent to include any of these alleged accounts above to my consumer report. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting

I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with XXXX, XXXX, and TransUnion for almost two years. I now know why there is a class action lawsuit filed against XXXX, XXXX, and TransUnion in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.
Product: Checking or savings account

I attempted to open an account online with US Bank, which advertised a bonus for opening the account online. However, it gave an error. I thus went into a branch, and a representative conferred with another representative that the bonus would be able to be applied to my account even though it was not opened online due to the technical problem with U.S. Bank. Thus, a total of 2 representatives confirmed the bonus would apply. However, the bonus never came. The representative I worked with has supposedly appealed to the promotions department, and been denied. This is essentially a bait-and-switch because a promotion was promised that was not delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. This items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Date Opened XX/XX/04 Balance {$300.00}, XXXX XXXX Date Opened XX/XX/04 Balance {$2700.00}
Product: Credit card

Wells Fargo credit card is reporting my credit card as a charge off card number XXXX XXXXXXXX Credit report number XXXX. I never receive the 1099C from Wells Fargo so I can deduct the XXXX as income on my credit report. When I call the creditor I was told they didn't have to provide me the 1099C but per IRS rules when a creditor writes off a XXXX the borrower has to receive the 1099C. Wells Fargo is still reporting this account negatable but they already been made whole. Why are they still reporting? Can you please assist me on this matter thank you
Product: Checking or savings account

I received a debit card from a bank I have not used for years, so i went to the bank explained the situation and they did some verification, and it was identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the ongoing issue regarding the removal of charge-off accounts from my credit report. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of inaccurate charge-off accounts on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. 

I urge you to escalate this matter internally and allocate the necessary resources to expedite the removal of these inaccurate charge-off accounts from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. With this, I am asking for your assistance to remove these accounts in my credit file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX posted a random medical bill on my credit report but I dont know this company or what they are trying to collect. Addittionally I have never done business with this company I mailed them a certified letter requesting all information about the debt. The letter i sent stated I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. I have yet to receive a response from the company
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have reached out to several representatives at Walmart to try and report fraudulent activity on my account and to close my account, however everyone I spoke to said that they can not assist me because my telephone information does not match their records. My name address and social is able to be matched though. Walmart has to be able to assist it's customers that are trying to report fraud.
Product: Debt collection

Synchrony Bank has placed a negative mark on my credit reports that I had no knowledge of, so I disputed this negative mark with XXXX, XXXX, and XXXX. Surprisingly, the results came back as " verified and accurate ''. Thus, I called Synchrony Bank on X/XX/17 to find out what paper work and what procedures were used to verify this debt. The employee I spoke with, XXXX ( ext. # XXXX ),  informed me that Synchrony Bank does n't have any information on file to verify the debt and that the debt was sold to a collection agency. I disputed this debt with the collection agency, XXXX XXXX XXXX, and XXXX deleted the debt because the accuracy of the debt could n't be verified. I understand as the original creditor SYNCB is n't required to " verify '' a debt, however, SYNCB is required by law to INVESTIGATE a debt that I believe is n't accurate. Thus, I am asking for SYNCB to investigate the amount claimed to be owed, the payments claimed to made, the date the account was opened, and the date the account was closed. Given that, XXXX has already admitted SYNCB does n't have the paper work to complete this investigation, SYNCB needs to delete this mark asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. There are lots of accounts in my credit report that is not belong in there.
Product: Credit reporting or other personal consumer reports

My credit report has 2 inquirys that I did not open any accounts with.

There is a fraud alert on my credit report because of identity theft that was suspected by my bank ( XXXX ) The first inquiry i need removed one is One Main Financial. There is no open account associated with this bank. I did not give them permission to run my credit. I tried calling them, no response. I believe this is fraudulent The 2nd inquiry I would like removed is XXXX XXXX XXXX  I did not authorize XXXX XXXX XXXX permission to run my credit. There are no open account associated with bank. I believe it is fraud
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains 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 100 % true, accurate & correct. NISSAN-INFINITI XXXX XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Product: Mortgage

My loan was sold to Roundpoint late in XXXX. I received my first statement from them on XX/XX/XXXX letting me know that my first payment was due on XX/XX/XXXX in the amount of {$3000.00}. I made that payment on XX/XX/XXXX and then began bi-weekly payment in XXXX in the amount of {$1600.00} via my bank account. In XX/XX/XXXX, I received a late notice and was charged a late fee. I called Roundpoint and it was found that payments had been misapplied. I was told that would be corrected and that the late fee would be reversed and that this would bring my account current and the next payment would not be due until XX/XX/XXXX. I asked about setting up bi-weekly payments through them to avoid the issue and the only way to do that is by mailing in a paper form. This was XXXX and I continued making my bi-weekly payments of {$1600.00} even though the account was current. 
My plan was to set up bi-weekly payments by mailing in the paper form but before any of this could be handled, I received another late notice for XXXX. At that time, I paid another {$1600.00} via my bank account because they do not allow you to make partial or custom amount payments on their website. I also enrolled in autopay so that I could avoid the issue any further and gave up on trying to pay bi-weekly with them. This morning, I received a call from Roundpoint saying I still owed another {$290.00}. I tried explaining to them and they were unwilling to budge. I was forced to pay the amount or suffer another late fee. At that time they also instructed me that my payments had gone up around {$400.00} per month, which I never received notice of, which is why I owed the additional {$290.00}. To date I have paid Roundpoint {$16000.00} which is far more than I owe given I've only had 4 months of payments with them. They do not offer any online support to resolve and require forms to be mailed in. They can not take credit card payments over the phone, they do not apply funds correctly, and they have terrible customer service. Consumers should not be subjected to this treatment. I had not choice in the matter and I am extremely dissatisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXXL - Balance {$0.00} XXXX Opened XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX {$0.00} XXXX Opened XXXX XX/XX/XXXX 2017
Product: Mortgage

We had a home loan on a condo with New American Funding that was paid on time every month for over 3 years. We then sold the condo because we bought a house and once we closed on the condo the loan was paid off in full to New American Funding on XX/XX/2021 which was immediately reflected in our account. Two days later we saw a pending transaction in the amount of the past monthly mortgage amount, so we immediately called New American Funding and was told the transaction was not likely to go through because there was a {$0.00} balance so it couldn't go through. The transaction did go through so once again we called New American Funding to let them know and we were told it would be refunded by Friday XX/XX/XXXX or Monday XX/XX/XXXX. It is now XX/XX/XXXX and we called them because we still have not received the refund and were told it would take longer because they needed to process the request before they could write a physical check to mail out. We told them that is not acceptable because of the financial burden it places us in, and because they had no right to take that money in the first place. They didn't care. We will be contacting our lawyer about it if we don't have our money that they stole from us back by the end of the business day.
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX collection agency This company calls using a robo-caller and when I answer, the line is dead ; no one is on the line. We have been getting these and other calls for about two months. I called the number back and got this information. I have no debt for collection. My best guess is that I just got this new phone number and maybe the previous owner of the phone number was a deadbeat, not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported delinquent payments missed to my Credit Report. After the Vehicle was in there possession for months prior. Shared my Report with third Party. Violating my Privacy. 
XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 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 person knows or has Reasonable cause to believe the information was in correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I ran my annual free credit report with all three credit reporting companies. I noticed that PHEAA/FED LOAN SERVICING was reporting me " 90 Days Past Due '' in XX/XX/XXXX. For all months leading to that date ( XX/XX/XXXX and earlier ) and all months after ( XX/XX/XXXX to present ), PHEAA/FED LOAN SERVICING reports " ND - No data for this time period. '' This is a parent plus federal education loan ( s ) for my daughter 's college education. She began college in XX/XX/XXXX and continues as a full-time student today. Her expected graduation is XX/XX/XXXX. Any payments towards this loan ( s ) is deferred until she graduates, or stops attending college full-time. Other than traditional summer breaks she has attended full-time continuously since XX/XX/XXXX. 

She did transfer from XXXX XXXX University after the XXXX school year to XXXX   XXXX University for the XXXX school year ( and until graduation ). We submitted paperwork to PHEAA/FED LOAN SERVICING notifying them of the change. When I received an invoice requesting a payment, I immediately contacted PHEAA/FED LOAN SERVICING and they said they had the paperwork informing them of the change but it would take 60-90 days to update in their system. In my opinion, this issue may be the cause of their reporting error. 

I did not owe a payment in XX/XX/XXXX. I HAVE NEVER OWED A PAYMENT TO DATE. Therefore, they must correct the XX/XX/XXXX payment they are reporting. I disputed through all three credit bureaus who contacted PHEAA/FED LOAN SERVICING who responded back with the same exact incorrect information regarding XX/XX/XXXX. When I called PHEAA/FED LOAN SERVICING directly their response was " dispute it through the credit bureaus ; '' which is unacceptable. I did upload a general complaint form directly to PHEAA/FED LOAN SERVICING that has resulted in no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting my credit score in a negative way, all of the banking apps i have credit builder loans with report score in the high XXXX range, i get denied for anything I apply for even {$500.00} loan i get denied which is less than my car payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are reporting double accounts for the same amount. One account from XXXX XXXX for XXXX and the same account being reported by XXXX XXXX XXXXXXXX XXXX for XXXX. And this amount twice/ {$81000.00}, and this amount twice/ {$30000.00}. 

In Essence, I only have one loan with one servicer, but it is being reported to my credit report that I have two servicers, and two loans. Six loans total, which is inaccurate. 
XXXX x XXXX XXXX x XXXX XXXX x XXXX Please have them correct this error as it is negatively affecting my credit score and XXXX, thus causing me to not qualify for much needed loans, and a mortgage I am trying to qualify for. Therefore causing me financial harm.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 I took out a loan for {$XXXX} with XXXX  XXXX. I recently learned that in the state of Oregon there is a max interest rate payday lenders can charge of XXXX  % XXXX  XXXX is far above this rate and charging me XXXX % in interest. To date, I have paid a total of {$XXXX} back on the loan XXXX the principal and {$XXXX} XXXX.
Product: Debt collection

Dear Consumer, XXXX XXXX XXXX, I am writing to bring to your attention a matter concerning my credit report and the Fair Credit Reporting Act, specifically Section 609 ( a ) ( 1 ) ( A ). As per this federal law, it is required that Experian verify all accounts posted on a credit report through the physical verification of the original signed consumer contract, they have failed to do so. 

I have previously disputed the XXXX XXXX and XXXX accounts on multiple occasions, but I have not received proper debt validations for the alleged debts in question from the debt collector. Therefore, I kindly request that you take the necessary steps to delete the following two accounts from my Experian credit profile : XXXX XXXX XXXX XXXX Account # XXXX I trust that you will investigate this matter and take appropriate action in line with the Fair Credit Reporting Act. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX