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

Equifax have stated that my bankrupties/public records are accurate and verified through XXXX XXXX. XXXX XXXX have sent me a letter stating they are not a consumer reporting agency, l have no bankrupties/public records showing with them and that its accurate showing blank. Equifax is in violation and is reporting inaccurate information being my name and ss #. Attached are receipts from certified copies sent to Equifax, a letter from XXXX XXXX, my bankruptcy record from XXXX XXXX, front copy of Equifax stating the information is reporting from XXXX XXXX.
Product: Money transfer, virtual currency, or money service

My PayPal account was closed for no reason as soon as I received a payment then they locked and and closed my account permanently and said I would have to wait 180 days I want my money released to me now I have not went against any of there guidelines and would like my money released and Ive tried for weeks to get it released So I contacted yall because they are not doing there job right the email linked to my PayPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this urgent complaint against XXXX and the major credit reporting agencies ( Experian, XXXX, XXXX ) for their egregious, repeated failures to correct blatantly inaccurate information on my credit report for my charge card account ( Account Number : XXXX ), in direct violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Consumer Financial Protection Act ( CFPA ), and other consumer protection laws. This has caused catastrophic harm to my financial stability, nearly resulting in the loss of my home, and I demand immediate investigation and rectification. 

Since XX/XX/XXXX, I have diligently disputed this account, which is falsely reported as closed with {$660.00} written off, charged off as of XXXX XXXX, with a payment history showing a charge-off. This is utterly falseI made all payments on time for this account, opened on XX/XX/XXXX, and never incurred delinquencies or a charge-off. The reporting is a baseless misrepresentation that persists despite my disputes. 

The credit reporting agencies and XXXX have failed to conduct reasonable investigations or correct these errors, violating FCRA Section 1681i ( Duty to Reinvestigate Disputed Information ) and FCRA Section 1681s-2 ( Duties of Furnishers of Information ). CRAs have provided vague, insufficient responses, claiming the information is " verified '' without detailed investigation processes or evidence, breaching FCRA Section 1681i ( a ) ( 6 ). XXXX has ignored my disputes, refusing to provide proof of delinquencies or charge-offs.

This systemic negligence has obliterated my credit score, denying me credit, loans, and financial stability. I have nearly lost my home due to these false reports, facing immense emotional and financial distress. I demand : A thorough, transparent investigation with full disclosure of processes and documentation, per FCRA Section 1681i.

Immediate removal of all inaccurate entriescharge-offs and closure statusesfrom my credit report.

Compensation for the severe harm, including financial losses and the near-loss of my home.

Enforcement action against XXXX and CRAs for their willful noncompliance. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the account with XXXX XXXX XXXX XXXX and TransUnion stating the account is being reported inaccurate. The account is being reported past due, but the account was closed on XX/XX/2023. Per the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 section 623 subsections ( 7 ) ( A ) ( i ), I am to be notified, in writing, of the furnishing of negative information to the consumer reporting agencies by the financial institution. XXXX XXXX XXXX XXXX did not provided me, in writing, the notice of furnishing negative information to the consumer reporting agencies before or 30-days prior to furnishing the information. I have ask TransUnion to investigate this issue but the consumer reporting agency have failed to do so. The account is not past due and no written noticed of past due account was sent to my home address. My home address is shown on my credit report and is shown in the attached document provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on Equifax 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020 )
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX My ID via drivers license is attached
Product: Debt collection

I recently got my credit report because I notice that my credit score had dropped and I was wondering what was the cause. I noticed a collection that I wasn't familiar with.

A couple of days later I got a call from this company. They place this collection on my credit before they even had a conversation with me to even see if this was my debt. 

A few days after that I got a letter in the mail. This is insane.
Product: Mortgage

Our mortgage holder, Wells Fargo, sold our mortgage without warning to a company, XXXX XXXX XXXX, XXXX, or XXXX, that has a reputation as a predatory lender. Although XXXX has sent no information to us, it immediately began dunning us via telephone without identifying itself or stating its business. We were told by Wells Fargo to continue sending our payments to it, since their consumer contact employees didn't know anything about XXXX, but now say they can not take back our mortgage from XXXX and can not forward our timely payments to XXXX. We have not received written or verbal statements or instructions from XXXX. In short, despite our efforts to follow instructions from Wells Fargo, we find ourselves in arrears with XXXX from day one.  From the numerous complaints about XXXX  that we find on-line, we have to assume that we are experiencing XXXX 's usual opening gambit with a new customer. We are afraid their unethical methods will at least harm our otherwise excellent credit rating and at worst result in foreclosure. Like many others in our situation, we are afraid we will have no alternative but to seek a new loan with another mortgage company. Meanwhile, Wells Fargo, by getting rid of its lower interest mortgages, buying back huge chunks of its stock, and firing hoards of its employees, is artificially propping up the " value '' of its stock. At the expense, of course, of homeowners, like ourselves, who have been their best customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$600.00} ; XXXX  XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX  XXXX Balance Owed : {$600.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 U.S. Code 1681b ) FCRA 611 ( 15 U.S. Code 1681i ) FCRA 609 ( 15 U.S. Code 1681g ) i am writing to formally dispute and request the immediate removal of the following unauthorized fraudulent Accounts from my EXPERIAN credit report : FRAUDULENT ACCOUNT : XXXXXXXX XXXX XXXX XXXXXXXX, {$1500.00} this Account were OPEN without my authorization and are fraudulent and are a violation of my consumer rights by BEING REMOVED AND PUT BACK ON MY CREDIT REPORT under the FEDERAL CONSUMER REPORTING AGENCY ( FCRA ). Specifically listed above. 
According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed
Product: Debt collection

americredit XXXX XXXX XXXX dba gm financial ( creditor ) we filed bankrupty on XXXX XXXX 2019 in united states court for district of montana chapter XXXX we have a XXXX XXXX XXXX  that was part of the bankruptzynow gm financial is is trying to get an immediate stay and are seeking XXXX its case number XXXX. we received court papers in the mail from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sXXXX XXXX XXXX XXXX XXXX XXXX montana XXXX XXXX XXXX we have contacted are attorney we have 14 days to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

Full payment was sent to vendor check cleared my back I need it to drop off my credit report
Product: Credit reporting or other personal consumer reports

I submitted a request to update incorrect information on my 3 bureaus on XX/XX/XXXX, along with my social and photo identification. I received a request back from XXXX with updated and completed. Experian received the same details and stated identification and social requested which was provided. XXXX has not followed up with the request d information. If XXXX received the same documents such as social and my personal Identification why would it not be accepted.
Product: Mortgage

Hello - This is an addendum to the complaint, original complaint filed XXXX # XXXX XXXX with you and a complaint filed with Fay Servicing in XX/XX/XXXX, as the matter is not completely resolved. 

Please refer to the original complaint filed with you on XX/XX/XXXX. The mortgage servicing company still has not resolved and credited a payment reversal done on XX/XX/XXXX. They made a total of 6 payment reversals to my mortgage loan account, 4 done on XX/XX/XXXX and 2 done on XX/XX/XXXX. They have justified one on XX/XX/XXXX and one on XX/XX/XXXX. They corrected the other 3 in question on XX/XX/XXXX and gave no rationale for their reversing my payments which is very concerning. 

They have not provided an explanation for the second reversal on XX/XX/XXXX and this needs to be credited back to my mortgage account. 

Currently my current mortgage due is showing XX/XX/XXXX. The correct date due should be XX/XX/XXXX. 

I sent Fay Servicing a second " notice of error '' form on XX/XX/XXXX to request an immediate correction on the second of the two entries on XX/XX/XXXX and to adjust my current mortgage. They just responded on XX/XX/XXXX with a brief notice saying the matter has been resolved. This matter has not been resolved. 

They need to correct the second unexplained reversal made on XX/XX/XXXX. 

I appreciate your aggressive assistance in resolving this matter with my mortgage payment. The company made 6 total payment reversals on my account, 2 were explained and justified, however, 3 were corrected without any explanation as to why done, and one still not explained/corrected from  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted every single month since XX/XX/XXXXto now and no one not even Wells Fargo Executive can even solve them. They said they can not fix their errors. I asked them to repair my report and they could not solve it. 

I 've contacted credit bureaus and they said that Wells Fargo has to request removing my late payments off my account and XXXX did not remove them as I requested. I spoke to more than 30 representatives and nothing solved. I am very upset to their ruining my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY XXXX XXXX.
Product: Debt collection

i had a credit card with XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX. they gave me a balance of {$300.00} in XXXX of 2020 i paid the balance in full and closed the account. 
now a company by the name of spring oaks capital is trying to collect for {$470.00} indigo has tacked on illegally additional amounts after the card was close and sold it to the above company. i believe this to be fraud on both parts. 

iXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX Spring Oaks Capital XXXX XXXX  XXXX, XXXX XXXX XXXX VA, XXXX Acct # XXXX reference # XXXX this is fraud.
Product: Money transfer, virtual currency, or money service

They disable my account the XXXX of XXXX, And their is no way to get back to them, because the answer in the email is from a robot, and They send me to auto support service and that does not work, because it does not allow me to enable my account. 

this is what they send to me, the " Hello, Thank you for contacting Coinbase. As Coinbase experiments with expanding into more markets, there will be varying levels of support provided. Initially, Coinbase will only offer self-help customer support " I need to recover the money that I have in the account is {$300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Experian and XXXX  are not investigating the negative accounts reporting on my credit report. ( I have attached a copy of my Drivers License and Utility bill for identification purposes. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding information about a said ( bankruptcy that never happened ) ... ... Please update this file to show that XXXX has removed the data from MY CONSUMER REPORT ... ... See File ... ... .The Fair Credit Report Act outlines 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies ... ... This is a breach of the Fair Credit Report Act if the Credit Bureaus do not update my file to show a fair and accurate report. 
As stated before ( a bankruptcy never happened ) This must be removed immediately as it is an erroneous record ... ... PLEASE REF CASE NUMBER XXXX ON SUBMITTED FILE
Product: Credit reporting or other personal consumer reports

The following item is inaccurate and negatively affects my credit. I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report, but XXXX failed to perform an investigation and delete the disputed information. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Credit card

On XX/XX/XXXX, I purchased some appliances from XXXX for {$9400.00} using my Venmo Visa Credit Card, issued by Synchrony Bank. The order was canceled, and XXXX stated that they would refund the entire amount back to my original payment method. 

However, I never received the refund. After waiting and reviewing my card statements, I contacted Synchrony Bank to dispute the transaction. Synchrony Bank delayed action on my dispute for approximately seven months. Eventually, Synchrony Bank informed me that the refund had supposedly been processed to a card ending in digits that I do not recognizecertainly not my Venmo Visa Credit Card or any other card in my name.

I requested that Synchrony Bank provide further information about whose card received the refund, but they said they did not know and closed the dispute. I still have not received the {$9400.00} refund in any of my accounts. Despite contacting both XXXX and Synchrony Bank multiple times, I have not been able to resolve this issue or locate my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the XXXX and Equifax credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$610.00} ; XXXX  XX/XX/XXXX.
Product: Consumer Loan

Hi there my name is XXXX I have a loan with Westlake Financial Services, they have been contacting my father to get information and payment from him for my vehicle loan which I am on alone, no one else is or ever has been on there with me. They called me 45 days past due saying my car was up for repo unless I payed the XXXX in full. Just needing clarification of this is right? It does n't seem secure that they are talking to someone who is not on my loan who I do n't feel should be involved in anyway. Please give me advice here. Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inqu that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make inquiry and view my credit report. This is a violation of the Fair Reporting Act Section 1681b ( c ) and a serious breach of my priva rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these acce bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that fraudulent inquiries be immediately deleted from the credit file the maintain under my Social Security number. 

Please note that you have 30 days to complete this investatief the Fair Credit Reporting Act section 611. 

My contact information is as follows : Your Name ( XXXX XXXX XXXX XXXX