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

Midland Credit claims to have verified the account, on my credit report the account says meet fcra requirements, however, XXXX is the only bureau reporting on this account ; XXXX and XXXX are missing. 

They have failed to correct The inaccurate information This is an FCRA violation as the accounts are suppose to report maximum possible accuracy. I have sent the bureau tons of letters addressing this issue as well as Midland Credit
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion 's consumer reporting agency has furnished several unauthorized accounts, hard inquiries, and inaccurate personal information to my consumer report. However, not only do all of these items not belong on my consumer report but all of these items violate several Fair Credit Reporting Act laws as well.
Product: Payday loan, title loan, or personal loan

I took out a installment loan with Integra, in XX/XX/XXXX I reached out to company asking for help over the month of XX/XX/XXXX as i was not able to make my payment. I was assured that my next payment would not be due until XX/XX/XXXX. On XX/XX/XXXX the debited my bank account which caused me a XXXX overdraft fee. I instantly contacted them. Was assured they would refund my payment as well as my overdraft fee in 2-3 business days. On XX/XX/XXXX I reached back out to be advised they would issue my payment back but not my overdraft that would be credited toward my balance. On monday XX/XX/XXXX I followed up to be told it takes 2 full business days for the payment to clear and then time to process refund but that it was on it's way. I was told this again Tuesday and on Wednesday I was told it had been processed and on it's way to my bank, on Thursday I reached out again to be told that they're working to resolve the issue ... no longer stating I would receive a refund but that the supervisor couldn't process the refund and it had to be sent to upper management. Today XX/XX/XXXX I reached out again and told that upper management has not reviewed my account yet but that I would hear from someone when they do. No longer recieving even an ETA for when this will be returned.

This is a horrible way to run a business based on trust. I was honest with them and they withdrew money from my account without authorization after stating they would not and now are refusing to refund the money they were not authorized to take. 

I would like the refund of the payment that was not authorized as well as the overdraft fee I was charged due to the companies unwillingness to honor the email they had sent stating I would not have a payment pulled until XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my TransUnion, XXXX and XXXX credit report, and I noticed some late payments posted on my credit report Account Name : XXXX  XXXX Account Number : XXXX Inaccurate payment history : XX/XX/year> On XX/XX/XXXX TransUnion reported my XXXX  XXXX account as 120 days late, as well as XXXX. I noticed that on XXXX my credit report had a 150 day late payment date. As well as Transunion and XXXX not reporting anything at all. 

According To The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Their company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did not give written instructions to furnish this late payment on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not Include.

( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : and the person making the report ; I Want you to reverse this payment on my consumer report, to on time paid as agreed this agency is in violation of 15 USC S1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1 ) Defamation of Character ( per se ) 2 ) Negligent Enablement of Identity Fraud XXXX 3 ) Fair Debt Collections Practices Act 15 USC $ 1692g violations 4 ) Fair Credit Reporting Act 15USC s1681 violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance s616. Civil liability for willful noncompliance [ 15 U.S.C. 168 in ]
Product: Checking or savings account

Wells Fargo emailed me this morning saying my account was set for closure and when I called they told me it was set for closure on XXXX/25 and I wouldn't be able to access my money until then. I have currently {$4300.00} in my checking account which is all my money and I need to use it. They told me I have to wait the 2 weeks and then they will decide if they are sending me a check/ letting me take my funds out from the bank or not but I can't wait for that long because i need access to my money to live.
Product: Credit reporting or other personal consumer reports

I have the court documents stating they do not report to the credit bureaus. That is my proof so remove the XXXX  immediately it is a violation under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have an unverified account from CONVERGENT. I had previously disputed this account. I have never done business with CONVERGENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ONVERGENTProvide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CONVERGENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

On XX/XX/2019 a check was written to Capital One Auto Finance XXXX XXXX XXXX, XXXX XXXX  XXXX CA XXXX, Check number XXXX for the amount of XXXX . The bank has confirmed that it was deposited to account ending XXXX on XX/XX/2019 which is listed as a Capital One Account. The funds were taken from my account but after calling Capital One several times they can not find the money, there is not account of the payment and they are still attempted to collect and repo the car. There should not be any threatening communication when it has been made clear that there is an error on the Capital One Side.
Product: Debt collection

On XX/XX/2023 I sent a letter to first credit services to verify the debt. Instead they sent me a bill or statement that is not required by FDCPA
Product: Debt collection

Received fake bill for XXXX charges that were not made, were never mailed, and XXXX states that the referenced account never existed and is fraudulent.
Product: Debt collection

I am requesting that Nelson & Kennard please read the attached validation request and please provide any proof that I owe this debt to XXXX XXXX XXXX ( their client ) I have not filed a lawsuit as of yet. I am requesting no phone calls and to be communicated with in writing only.
Product: Checking or savings account

Someone using some of my personal information and related information was able to open a checking account and have checks issued. The reason we found out is that the checks were shipped to my home. Whoever opened the account used my name and the hypentated name of my ex-wife. I called the bank ( TD Bank ) and they told me that the matter would be investigated and the account closed if found to be fradulent. They did not provide me with any additional information nor any assurance that there would be cover for any financial loss. In adition, they advised that contacting any government agency or law enforcement would be pointless.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information regarding my XXXX accounts XXXX XXXX which is a paid-in-full closed account and XXXX ) active Never late. 

I submitted my initial dispute ( XXXX XXXX : XXXX ) on XX/XX/year>. Following that, I requested proof of verification for the investigation under XXXX XXXX : XXXX on XX/XX/year>. However, the dispute was closed without any modifications, merely stating that the information was verified, and I did not receive the proof of verification I requested. This lack of response constitutes a violation of 15 U.S.C. 1681i ( 5 ) and 1681i ( 7 ).

I request a thorough investigation into this matter and the removal of the inaccurate information from my consumer report. Please provide the requested proof of verification as mandated by law. 

Thank you for your attention to this important issue.
Product: Credit card or prepaid card

On XX/XX/20 I was notified that someone applied for a credit card in my name at Golden 1 Credit Union in XXXX. I did not apply for this credit card.
Product: Checking or savings account

This is in regards to my husband, XXXX XXXX 's XXXX account tied to his Citizens Bank Checking account. In XXXX of XXXX, a XXXX credit account was created by an unknown unauthorized user. This user, then purchased multiple items in the amount of {$8800.00}. Notably, the items were purchased in multiples, suggesting that the scammer was purchasing inventory to likely sell online. We never received any of the items and didn't find out about the fraud until an email from XXXX in XX/XX/year> saying that there was fraudulent activity of the account. 

Then looking into the account, we found that there was money transferred from the Citizen 's bank account to the XXXX account without our consent and knowledge. Separate and apart from the XX/XX/year> unauthorized purchases, XXXX wrongfully removed {$3700.00} from our Citizens account on XX/XX/year> ; despite these charges also being the product of fraud. Citizen has refused to refund any of the money stating that the time period has been too long since it originated in XXXX and it was not until XXXX that we found out about it. 

XXXX since has refunded the {$8800.00} to the account and deemed that the account was hacked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Card  has been inquiring on my credit every few months for the last two years. I was a customer from XX/XX/XXXX - XX/XX/XXXX but have had no relationship with them since that time. I filed a dispute with the credit bureau in lateXX/XX/XXXX but there was another inquiry. These are hard inquiries against my credit that I did not initiate. Dates are showing as XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. This has the potential to impact my credit score. 

I am also on the opt out list for promotional offers.
Product: Mortgage

My mortgage has recently been transferred from XXXX XXXX XXXX to RightPath Servicing. XXXX XXXX XXXX received proof of property insurance from me on XX/XX/22 and again on XX/XX/22. I sent proof a second time due to XXXX XXXX claiming I havent provided them with proof of insurance. 

On XX/XX/22 RightPath Servicing made the claim, to me, that they did not have proof of current property insurance and threatened to place insurance on my property and charge me for it. On XX/XX/22 I emailed proof of property insurance to RightPath although they should have received the proof of insurance from the previous servicer, XXXX XXXX XXXX 
On XX/XX/XXXX, received XX/XX/XXXX, RightPath mailed me a letter still claiming to not have proof of insurance and threatening to purchase insurance on my behalf. I have now emailed my insurance policy to RightPath twice, again on XX/XX/22, and ask that you hold them accountable for attempting to fraudulently charge me for insurance I already have.
Product: Debt collection

I paid the amount in full on XX/XX/XXXX as it was scheduled by American Express, I was told by American express on XX/XX/XXXX verbally on the phone ( recorded line ) that my account would not go into collection yet as I still have the opportunity to pay in full as the reason for my delay I was waiting for my cash out refinance to go through, I explained that I would need a couple weeks for the refinance to be completed. Once it was completed, I paid the amount that they told me to pay after they were to remove a late fee. But instead they have sent my account to collection and now my credit has taken an unnecessary hit. I would like it removed. I am still resolving the issue of an additional interest payment added to my account due to the late fee that was promised to be waived never got waived as of XX/XX/23. Please see attached bank statement showing the amount paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint, this complaint is due to new evidence on my report of incorrect information on my report. 
I'm not using any third party for this matter. 
I have mailed dispute letter to Equifax for incorrect information on my report : regarding of account - XXXX, XXXX. - XXXX I asked Equifax to remove this account from my report as it shows incorrect information, Equifax has sent me a letter that information was verified as an accurate. I have included the copy of my report from Equifax, that I highlighted incorrect information. They didn't update any information on my report as a fact they didn't investigated properly. They keep reporting on my report incorrect information, such as AVALIBALE BALANCE, How account can display available balance if it shows closed?. The payment history of the account is also incorrect. 
The similar situation with XXXXXXXX XXXX XXXX - XXXX. The balance is incorrect, it shows available balance, while account is closed, the payment history is incorrect, the date of las activity is incorrect. 
According to FCRA my report should provide ONLY CORRECT INFORMATION, otherwise incorrect info must be deleted. 
I have included ALL supportive documents for this matter with copy of my report from EQUIFAX.
Product: Vehicle loan or lease

I was in car accident on XX/XX/2020 the offender 's insurance ( XXXX XXXX # XXXX ) deemed my car a total lost. I made sure my insurance company ( XXXX ) as well as my finance company ( Bridgecrest ) know that my car was a total lost. I provided the adjuster ( XXXX XXXX XXXX ) my finance company total lost company phone number ( XXXX ) .I made sure I had gap coverage in place ( XXXX XXXX account number can be found with my old phone # XXXX ) I did have retain an attorney ( XXXX XXXX ( XXXX ). 


My issue is my finance want me to pay {$1300.00} for a car I haven't driven since XXXX. XXXX paid {$9600.00}. XXXX paid {$3700.00} only. When speaking to them they said that they only paid whatever Bridgecrest submitted. That's not the only problems Bridgecrest has been reporting me late to credit bureau every single month since he car has been deemed total lost. I don't understand why this a legal business practice.
Product: Credit reporting

Our loan officer notified us there are XXXX accounts of which we have no knowledge. XXXX account was shown on XXXX XXXX and we are disputing it. The XXXX account is on Equifax and we are unable to access it electronically. Requesting the report via mail and then disputing it, again by mail, seems to be an unneccessary delay. Since our loan officer was able to see information electronically, is there a way to allow us to see the report electronically? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing a complaint, due to your false reporting of information on my credit file. There is a bankruptcy chapter  XXXX  appearing  on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the see the county clerk and had a conversation with a court representative. I asked him, " How is it that Experian or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. So I say to you, how can Experian or a third party information gatherer get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/last 4? You are r eporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you  remove it immediately or face a lawsuit. Here is the bankruptcy in question : 1. US BKPT CT FL FT LAU 2. No plantif ( left blank )
Product: Debt collection

Good Evening ; I have disputed this item with the credit reporting agency and with the collection company as shown on my credit report. I spoke with several representatives, and recently with XXXX at First Financial Resources and she mentioned that either my health insurance ( XXXX ) or/and XXXX XXXX ( auto insurance ) should've taken care the debt but they haven't yet. But instead of going back and forth with them, I went ahead and paid off this debt and she agreed that it would be removed permantely from my credit file. 

Also there are several inaccuracies with the way it's reporting and that's a total violation of FCRA and FDCPA guidelines. But In a good faith effort to resolve the matter amicably, I must demand the company to honor their part of the deal and remove this from my credit as agreed. 

PLEASE SEE THE ATTACHMENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.