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

I, XXXX XXXX, am requesting that Experian follow suit and update the account XXXX XXXX to paid as agreed, never late. XXXX has since removed the account due to inaccurate reporting and XXXX is reporting the account as paid as agreed, never late. Why is Experian reporting that I was late in XX/XX/2020 and XX/XX/2020 when my payments were deferred due to covid. Lastly, you are in violation of the FCRA for reporting inaccurate information. I am demanding that you remove the late payments reporting in XX/XX/2020, and XX/XX/2020, or I will sue your company for defamation of character. Please see the attached credit report and correct your erroneous errors.
Product: Debt collection

This is the second complaint I have filed against an erroneous charge filed by XXXX XXXX for a phone purchase I never made. My first account with cfbp was # XXXX which was closed by XXXX on XXXX XXXX. Now, on XXXX XXXX XXXX has simply rolled this file over to another Collection agency : Sunrise Credit Services in XXXX, NY for {$1300.00}. I have called this company twice to explain this unjust report with no resolution ... both times I was told they would send me a Fraud Report but nothing was ever received! How can it be legal for XXXX  to simply roll this charge over and over to multiple collection agencies without any action to resolve this charge against me who never had this phone or address listed. My Excellent Credit Score has gone from Excellent to Good twice now!!!! I don't want this to continue and reporting to cfpb is good but not enough if XXXX XXXX doesn't take responsibility.
Product: Vehicle loan or lease

Honda Financial has contacted me on numerous occasions regarding a vehicle i co-signed for, for my daughter i advised them i would contact my daughter and have her cure the account. i understand that she may have not stood up to her financial responsibilities, but they have a valid phone number to reach me! lately i have been recieving calls from family members stating the Honda has called them about Acura asking for a contact number for myself or my daughter. as i stated i have given the messages to my daughter under the assumption she would make arrangements but regardless of her financial standings or her commitment to the debt. Honda 's actions are of a slanderous and threating capacity given the fact that the have my contact # and address and continue to call family members hinting the existence of a debt which is outside of the guidelines of communication with regard to collection. the fact that Honda has my valid contact number and has chosen my family contact numbers to essentially peer pressure payment is egregious and predatory.
Product: Prepaid card

I was given a american express gift card and it basically works no where. 
I was declined 2x on line from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a restauarant. 

i will specfially tell my boss never to purchase these again. It states where ever american express is accepted but its a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accessed my credit report XX/XX/2022 and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to Amex, XXXX XXXX, XXXX, and XXXX XXXX via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against [ EQUIFAX Credit Bureau ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX account number XXXX Account Name : XXXX  XXXX XXXX account number XXXX. 
Account Name : XXXX XXXX account number XXXX Disputed Information : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ XXXX XXXX XXXXXXXX ] has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX asking them to remove inquiries that are on MY credit report. They have sent me things saying that the inquires were verified. I do not have any contracts with the companies. I have called the companies and they can not verify ANY information associated with me I would like to know what steps XXXX took to 'VERIFY ' this. They have not provided me with any proof once again. Please remove the following inquiries. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ALL inquires up until XXXX XXXX. I have called these companies I do not have any contract with them nor have I applied for anything. If they say that I have please provide me with my autograph. If no PROOF can be PRODUCED and shown to me please DELETE These are reporting inaccurately on MY report. Please send me the communication and/or method used to verify this. Your website say to call and thats what I did I called the company when I called XXXX I was told I needed to file a fraud report that is not what their website says. This here is my fraud report.

UCC1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, starting on XX/XX/2022, I applied for an apartment in New Jersey, because of my employment work relocation ( XXXX  ). Although, my application was denied. I inquired with the apartment leasing office the rationale why my application was denied and was informed, the leasing office ran my application and could not receive my Experian credit score. This is devastating, I'm a XXXX  and my employment depends on my ability to support my organization. As a XXXX man, my family had to step in and co-sign for an apartment so I could relocate in schedule. Once, I was settled in my new location, my XXXX car had engine problems, probably due to the XXXX XXXX XXXX trip to my new location. I applied online for an auto loan with XXXX XXXX, who financed my previous two vehicles. Within 20 seconds, I received a computer-generated response, my credit report was denied. I have " never '' missed a payment and paid both cars off early. I have never been late or missed any payments. I contacted XXXX XXXX  and were also informed ; they couldn't get my Experian consumer credit report. I created and Experian account and sign-on to my account. AS THE ACCOUNT OWNER, I COULD'NT GET MY CONSUMER CREDIT REPORT. I called numerous time s to no avail, NO SUPPORT and were told. you don't have any open account. WELL ASSESS OR SCORE THE CURRENTLY CLOSED ACCOUNTS. this is destroying me, I CAN'T GET CREDIT, APARTMENT, HOME LOANS, or anything tat I can't pay cash for. I need someone to correct this AS SOON AS POSSIBLE, I NEED MY CREIDT SCORE. If Experian is going to be a consumer credit reporting entity, they should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP ME!!! 

Trans Union actions has made it impossible for me to find a place to rent which has caused me to beome homeless. 

They continue to report inaccurate information on my credit report making impossible for me to obtain credit. I am XXXX XXXX veteran and need a place to live. 




XXXX XXXX account balances does not match on report. XXXX {$12000.00} ; XXXX XXXX ; TU XXXX please delete. 

XXXX XXXX account balances reporting different balances on each credit bureau. Please delete XXXX   {$33000.00} ; XXXX XXXX ; TU XXXX XXXX XXXX High balance reports {$17000.00} but credit limit is {$12000.00}. Clearly an error. Please delete XXXX XXXX High balance reports {$4200.00} but credit limit is {$2000.00}. Clearly an error. 
please delete XXXX XXXX XXXX XXXX  XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am urgently filing this complaint against XXXX and Equifax regarding the unauthorized sale of the XXXX XXXX XXXX account to XXXX XXXX XXXX , XXXX, and the subsequent inaccuracies and challenges Ive faced in disputing this unauthorized transaction. 

Unauthorized Sale of XXXX XXXX XXXX Account : I recently discovered that the XXXX XXXX XXXX account was sold to XXXX XXXX XXXX , XXXX without any proper notification. This unauthorized sale has significantly impacted my ability to address and dispute the accounts details accurately. 

Continuous Updating of Inaccurate Information : In addition to the unauthorized sale, there has been continuous updating of inaccurate information related to the XXXX XXXX XXXX account on my credit reports. Specifically : The reported last payment was inaccurately stated as XX/XX/XXXX, to XX/XX/XXXX, which is factually incorrect. 
The account status continues to be updated as a charge-off every month, which is inconsistent with the actual account status. 

Dispute Handling Challenges : Despite repeated attempts to dispute these inaccuracies through XXXX and XXXX dispute processes, I have faced significant challenges. The disputes have not resulted in the necessary corrections, and the inaccuracies persist, adversely impacting my credit profile. 

Fair Credit Reporting Act ( FCRA ) Violations : I assert that the unauthorized sale of the XXXX XXXX XXXX account and the continuous updating of false information constitute a violation of the Fair Credit Reporting Act ( FCRA ). These actions have created unnecessary hurdles in my attempts to address and dispute the inaccuracies. 

Immediate Deletion Request : I urgently request the immediate deletion of the inaccuracies related to the XXXX XXXX XXXX account from my credit reports by XXXX and Equifax. The unauthorized sale and continuous updating of false information are causing severe distress and adversely affecting my creditworthiness. Immediate deletion is imperative given the severity of the situation. 

Transparent Dispute Resolution : I urge the CFPB to ensure a transparent and effective dispute resolution process that guarantees accurate reporting and immediate corrections. 

Compliance with FCRA : I request the CFPB to investigate and ensure that XXXX and Equifax comply with the provisions outlined in the Fair Credit Reporting Act. 

The unauthorized sale of the XXXX XXXX XXXX account and the challenges in disputing this information are causing significant distress and negatively impacting my financial well-being. I seek a prompt and comprehensive resolution, including the immediate deletion of the inaccuracies. 

I appreciate the CFPBs urgent attention to this matter and anticipate a thorough investigation and resolution in accordance with regulatory requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has not been reported to all 3 credit bureaus since XXXX. And in these 5 months I paid down my XXXX XXXX XXXX Credit Card and paid over XXXX $ on my XXXX credit card. The lack of reporting is affecting my credit score and I need this resolved promptly.
Product: Credit reporting or other personal consumer reports

There are inaccurate addresses, names and employers being reported on my credit score affecting my ability to aquire credit.
Product: Checking or savings account

My Wells Fargo account was hacked on XX/XX/2022 and two fraudulent wire transfers removed {$22000.00} dollars from two seperate accounts. 
1. {$13000.00} from a XXXXXXXX XXXX  account ending in XXXX XXXX. {$9000.00} from a XXXX XXXX XXXX account ending in XXXX Both accounts have since been closed. I filed a fraud claim with the Wells Fargo Fraud Department on the XXXX of XXXX concerning this matter. Today I received Two resolution of fraud letters stating that on XX/XX/XXXX I authorized a wire transfer for {$13000.00} and {$9000.00} for the benefit of XXXX XXXX. As the money will not be returned from the receiving bank, we are not able to reimburse you. 
At this time we consider your inquiry closed. 
I at no time ever approved a wire transfer from either account on the XX/XX/2022 or any other date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : SXXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Employer : XXXX XXXX TXXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Collections : 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 a Discover Card. This morning I tried to contact Discover regarding a Dispute I have ongoing. When I called I was told I will need to purchase a new phone. I was then told someone would call me back ( rather then wait on line ) and was told that would be 16-24 minutes from my call. It is now more then 30 minutes and I still have not received a call back and can not reach Discover. Help!!
Product: Debt collection

Debt was paid due to my XXXX XXXX XXXX to my SSN I AM A BENEFICIARY TO MY TRUST AND WELLS FARGO HAVE COMMITTED FRAUD FOR ACCEPTING PAYMENTS FOR SOMETHING THAT WAS ALREADY PAID FOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX illegally pulled the credit more than once for me ( XXXX XXXX ), and daughter ( XXXX ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX XXXX ( never authorized ) and XXXX XXXX XXXX  never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX XXXX at a higher rate than the one with our financial institution, and falsely tried excusing himself using a XXXX XXXX of XXXX for me, to which we demonstrated XXXX for 2 agencies and XXXX for one, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my wife, my daughter and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX XXXX  XXXX Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my daughter.
Product: Debt collection

I was recently contacted by Monterey Collections via US Mail requesting payment on a debt that I do not believe that I owe. I have responded to them with a letter of dispute and request for cease and desist in their pursuit of collection. Monterey Collections is seeking to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for lab work that was performed on XXXX/XXXX/XXXX. As explained by my physician at the time, and clearly printed on their brochure, " if it turns out your insurance company does not cover a specific test, XXXX, XXXX assumes all the risk '' and further states, " if your insurance company sends a check directly to you, rather than XXXX XXXX, please sign the back of the check, write 'Pay to the order of XXXX, XXXX XXXX ' and forward the check along with the XXXX to XXXX, XXXX ''. I have sent via certified mail copies of the XXXX from XXXX XXXX XXXX and spoken with the a representative of XXXX who states the check for payment of {$680.00} on approved charges was issued on XXXX/XXXX/XXXX and cashed by the 'provider '. 

I have now received an alert from the company who monitors my personal and financial information against fraud and identity theft, XXXX, that Monterey Collections is " listed as a new account on [ my ] credit report ''. 

I made XXXX attempts to contact Monterey Collections by phone but was sent to voice mail each time where I left messages requesting they contact me to discuss this debt. After no response from them I have mailed them a certified letter and enclosed copies of all the the information listed above. 

I have excellent credit and have worked very hard to achieve this. I am retired and proud to say that I do not have any debt. I do not feel that it is fair that I may have to hire an attorney to resolve this matter when I feel it is a clear example of consumer harassment.
Product: Credit card or prepaid card

Complaint US BANK SECTION 1 : US BANK claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put US BANK on notice. 

I gave US BANK an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction STRAWMAN, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXXXXXX XXXX XXXX XXXX XXXX aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. US BANK never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ).

SECTION 2 : US BANK has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. US BANK admit that I am the original creditor and source of the credit being utilized. 

XXXX. US BANK leave account XXXX XXXXXXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 

XXXX. US BANK reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

XXXX. US BANK pay for all fees and fines associated with this matter. 

XXXX. US BANK pays me {>= $1,000,000} in damages. 

XXXX. US BANK is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.
Product: Prepaid card

Cashapp doesnt provide a live customer service agent to assist with issues