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

I am writing about an account that appears on my credit which I have previously asked you to investigate but you have refused to do so properly the informations on my credit report regarding the XXXX XXXX  account ( # XXXX ). Upon reviewing my credit report, I noticed multiple discrepancies that require immediate investigation and correction. 

The specific issues are as follows : Repeated Charge-Off Reporting : The account has been reported as " Charged Off '' multiple times, month after month, which is inaccurate. As per the Fair Credit Reporting Act ( FCRA ), an account can only be charged off once and should not appear as repeatedly charged off in subsequent months, This practice is inaccurate and misleading, as a charge-off is a one-time event, not an ongoing status. Repeatedly reporting the account as charged off inflates the negative impact on my credit report, this is an update to the payment history this inaccurate information falsely manipulates the status of limitation.

Balance Reporting : The reported balance of {$14000.00} exceeds the credit limit of {$9000.00}, which is another inaccuracy. This discrepancy misrepresents the account 's status and impacts my creditworthiness unfairly. 

Date of Delinquency : The account reflects a " Maximum Delinquency of 120 days in XX/XX/year>2023 and also in XX/XX/year>2023. '' However, no substantiating documentation or evidence was provided to verify this delinquency, as required under the FCRA. 

Under 15 U.S. Code 1681s-2 ( b ), furnishers of information are required to ensure the accuracy and integrity of the data they provide to credit reporting agencies. The inaccuracies outlined above demonstrate non-compliance with this requirement. you failed to investigate this account properly your neglect has violated my rights and caused me enormous amount of distress i'm demanding a deletion of this account
Product: Credit reporting or other personal consumer reports

Hi XX/XX/XXXX experian decreased my credit XXXX point when I check it they show in my XXXX credit card like XXXX debt but its wrong I never use credit like that I always pay on XXXX XXXX in 2 days, and I disputed this debt on experian they tell me youre right and they just send me XXXX points back I want from them my XXXX points its unfair and for no reason!!!
Product: Debt collection

on  XXXX   XXXX ,   XXXX   i settle a debt of  XXXX  dollars for  XXXX  dollars, they were supposed to take it off, of my credit report, but they did n't they still show that i owe a  XXXX  dollars. I call them various times and asked to be fixed they always tell me that it is being updated but it is not.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update/remove of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$940.00} XXXX XXXX  XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXX Balance : {$810.00}
Product: Vehicle loan or lease

SSFCU told me that I have a deferment due to economic hardship after making XXXX  payments. I have made XXXX  payments on top of the massive deposit on the car. They have lied repeatedly about their processes, rules and at times have made it very difficult or costly to make payments on the car loan. I have made extensive effort to communicate and all I have gotten is lies and denials and a steady stream of bad faith actions.
Product: Debt collection

I checked my credit report and I saw a have a collection account for some type of medical bill for {$270.00} from XX/XX/2012. I have never received any type of letter from any hospital or doctors office for this. Every time I go to the doctor I pay my deductible no matter what service I am getting performed. I have never received a letter via mail or email regarding this collection on my credit, just today that I tried the free trial with XXXX to check get a free credit score report. 
The company it states on my credit report is called Amsher Collection Services in Alabama, I live in Texas. I just don't this company maybe a scam company, affecting my credit when I do not owe anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX said I have an outstanding balance due of {$3900.00} on there behalf and Im reporting it as fraud because I didnt get a line of credit from them ever!
Product: Debt collection

Harris & Harris , LTD has committed fraud and violated my rights as a consumer. According to 18 US Code 1342 " Whoever, for the purpose of conducting, promoting, or carrying on by means of the Postal Service. '' Attached below is what was received by postal service mail. Also, I requested validation from 15 US Code 1692g ( B ). H & H was unable to validate the alleged debt. I would like for this account to be settled and resolved to paid in full with a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
Account name : Dept of Education XXXX # XXXX, Account name : Dept of Education # XXXX has violated my rightsXXXX deleted one account but not the others they all belong to same account. 
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 to any containing any of the following items of information. Any other adverse items 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I signed up for a " XXXX XXXX '' offer within the XXXX XXXX XXXX/NetSpend ) app on XX/XX/2022 and made qualifying purchases on XX/XX/2022. I didn't received the incentive within the stated 14 business days. 

When I called XXXX/XXXX/NetSpend, I spoke with numerous support team members who told me that this offer does not exist, or was not through XXXX, or some other variation of that.

Nobody on the XXXX phone support team is even remotely familiar with their app or offers. They are just an outsourced overseas call center. There is no way to reach people who work at XXXX  to provide screenshots or proof that the offer exists or that I met the requirements. I have proof of the offer via timestamped screenshots and proof from the merchant that I made qualifying payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in school with the XXXX  XXXX XXXX online classes program in 2016. I was able to take a few classes for about half of a semester before I had to withdraw from the school. Due to a divorce and having to work two jobs to take care of my kids, I just didn't have the time. I did receive partial payments from the school totaling about XXXX dollars. After checking my XXXX and Equifax credit report I've noticed that the school has the account listed as a charged off account in the amount of {$7500.00} dollars. I would like to know how can this be, when I only received a partial payment. This is the only negative account listed on my credit reports which is severely impacting my credit score. 
I've disputed this account per certified mail with the both reporting agencies and received back responses stating account remains. I plan on purchasing a new home at the start of the new year and it would help out tremendously if this negative inaccurate account can be immediately removed off of my credit reports.
Product: Credit reporting or other personal consumer reports

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 u.s.c. 1681 Account NameXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account NameXXXX XXXX XXXXXXXX XXXX Account # XXXX  ... Account Name .... XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account nameXXXX XXXX XXXX XXXX XXXX  Account # XXXX ... ..15 u.s.c 1681 section 602 A. state 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 reports containing any of the adverse item of information, other than record 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: Debt collection

Per law, 15 USC 1692c ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. 

I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of XXXX. Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. 

Please have the company crease all collection activities as this is my final attempt to complain outside of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a Pre-qualification From Capital One Auto Finance I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from XXXX credit companies XXXX, XXXX, XXXX. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because capital one is XXXX of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( Capital One Auto Finance ). 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I requested an international wire transfer on XX/XX/23 for {$500.00} to be sent using the Chase template. This wire transfer was destined to an individual in XXXX as a charity donation for refugee assistance and relocation support. Chase placed a hold on the wire transfer the same day and has not provided any communication or updates on this transfer since. It is now XXXX and I have made several attempts to contact Chase regarding the transfer via phone ( twice ) and email/message with no progress. There has been no communication with me since XX/XX/23 and the funds are still on hold. I feel like I'm completely powerless to do anything about this.
Product: Credit card

I disputed a charge with Discover Card. My wife canceled an order with XXXX before the phone rep. placed it because she did n't agree with the tax. The phone representative assured her the order was not placed. Two day later a charge from XXXX was on my card. 
I disputed it because she told them not to place the order and she has never received the product / order as of today. The charge was {$17.00} ( XXXX of XXXX ) installments.
Product: Credit reporting or other personal consumer reports

When I pull credit as a mortgage Loan officer, Equifax has a trigger lead service that allows a ton of other mortgage lenders to contact my Member. I have no idea how this is legal as they member authorizes us the credit union to pull credit and had reached out to us and not these other institutions. I get calls daily from members that I pull credit that complain about this topic. I do pre warn them and send them the opt out form but it takes up to 5 days to stop and by that time they are irate. This practice needs to be made illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a bankruptcy CFPB CASE # XXXX that was being reported by Lexis Nexis. First off I have no idea how Lexis Nexis received permission to share any of my information to any one without any permissible purpose. As we all know permissible purpose is when the person obtaining a consumer report " intends to use the information in connection with a credit transaction '' " this section specifically references a single credit transaction and should not be interpreted to allow for multiple uses '' Please tell me when I was in a consumer credit transaction with Lexis Nexis and when did they have the permission furnish any of my information to any person or organization. I have no agreement or business with Lexis Nexis, and unless the purpose for furnishing this report is listed as permissible purpose, it can not be provided without my express consent. Lexis Nexis is clearly in violation of XXXX XXXX XXXX ( a ) ( XXXX ) consumer 's right to privacy and XXXX XXXX XXXX XXXX ( b ). 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXXXXXX XXXX XXXX  or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Attached are the letters from the courts stating they do not communicate with the courts and the response from Lexis Nexis saying they " verified '' information which they have no purpose for doing so. Lexis Nexis has no Right without my consent or permissible purpose to report any of my information.
Product: Mortgage

My mortgage company ( PennyMac ) is overcharging us interest since we make extra principal payments. They started only applying our payments on paper, but the interest stopped going down until the following month after a I made the payment. On XX/XX/2022, my balance was {$470000.00}. We should have been charged {$880.00} on XX/XX/2022, but they charged us {$880.00}. Our interest rate is 2.25 %, and our note says our bill is due on the XXXX. Our balance on the XX/XX/2022 was {$470000.00}. Their math on my statements is no longer adding up since for the last 3 months. They said I make extra payments they are splitting my interest now. They are charging me monthly, and holding my extra principal for a month unless I pay it on the XXXX of the month and lose my 16 day grace period. This is their new policy that started 3 months ago if you make extra principal payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit account. My account number is XXXX. Specifically, the reported late payments on XX/XX/year>, XX/XX/year>, and XX/XX/year> are incorrect, as I was not late on these payments. I have reviewed my records and can confirm that my payments were made on time, and I respectfully request that you investigate and correct this error immediately. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to the credit bureaus. By failing to update or correct this inaccurate reporting, TD BANK NA is in violation of the FCRA. Additionally, under the Truth in Lending Act ( TILA ), any inaccuracies in credit reporting that affect the terms of credit or the accounts status could result in a violation of the act 's provisions regarding truthful and accurate disclosures. I request that you investigate this matter and update the credit bureaus with the corrected information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by means the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are following acts that violate the constitutional rights, U.S. 1581 **Inquiries- XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *** Derogatory account information XXXX XXXX XXXX XXXXOpened XXXX ( XXXX XXXX XXXX XXXX  XXXX -Opened XX/XX/2023 ( XXXX credit limit ) XXXX XXXX XXXX XXXX - Opened XX/XX/2023 ( XXXX XXXX XXXX
Product: Student loan

I am a cosigner for my sons private student loans through Wells Fargo. My wife and I refinanced our home to pay off the loans which was {$71000.00}. The loans were to be paid to Wells Fargo directly by the closing attorney with the proceeds from the refinance. This took place on the XXXX of XXXX. I checked on line and and saw that a residual amount was still on the loan of {$2900.00} I called Wells Fargo Customer service and said that because the loan was in forbearance the interest was not included in the payoff. i saw i was getting no where.
Product: Debt collection

I was charged with a debt that was covered by XXXX XXXX XXXX, XXXX I sent all the information to the Collection Agency and made the claim here in the CFPB, I received all your help and the debt was removed from my credit report, after some months they apparently sold the debt to a Law Firm and now they are reporting the debt again, I sent to the law firm all the info so they can make the research and be paid by XXXX XXXX, they didn't answer to me, they didn't call, or send a letter and they put the account in collection again.I had a good credit score, I take care of my credit because I have financial goals to improve my family life and this people just put an account on collection without making the research and do their work properly affecting my family, without any respect, of course they don't care about the consequences for me and my family since is not theirs
Product: Debt collection

I am a victim of identity theft due to an XXXX  credit breech. This account is unauthorized and fraudulent lease at XXXX at XXXX balance XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of the SYNCB/PPC account XXXX # XXXX ) on my credit report. After a thorough review, I have identified several discrepancies that violate XXXX XXXX compliance guidelines and my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ]. These inaccuracies must be addressed immediately to ensure full compliance and accuracy in my credit report. 
Violations Identified : XXXX. Late Payment Reporting : o The account reflects XXXX late payments in XX/XX/XXXX across all three bureaus. However, the " Date Closed '' is listed as XXXX, making the late payment reporting contradictory and invalid. 
XXXX. Inconsistent High Balance Reporting : o XXXX XXXX guidelines require uniform reporting of the high balance across all bureaus. The high balance is reported as {$3000.00} by Equifax and XXXX but differs in supporting information. These discrepancies fail XXXX XXXX accuracy standards. 
XXXX. Past Due Amount Mismatch : o The " Past Due '' amount fields reflect inconsistent amounts across the bureaus, with XXXX showing {$570.00}, which contradicts Equifax and XXXX. This inconsistency violates FCRA XXXX ( b ), which mandates maximum possible accuracy. 
XXXX. Date of Last Payment/Activity Errors : o The " Date of Last Payment '' is inconsistent, with XXXX showing XX/XX/XXXX, while other bureaus list different dates. Similarly, the " Last Activity Date '' is misaligned. These discrepancies interfere with accurate credit reporting and fail XXXX XXXX guidelines. 
XXXX. Account Status Inconsistency : o The account is listed as " Closed '' across all three bureaus, but the comments field shows conflicting reasons for closure, including inactivity and cancellation by the grantor. XXXX XXXX requires clear and consistent reporting of account closure reasons. 
XXXX. Payment History Inaccuracies : o The payment history field for XX/XX/XXXX shows inconsistencies, with XXXX bureau marking payments as on time and another showing delinquencies. Accurate and consistent payment history is a critical component of compliance.
Product: Debt collection

I received a letter in the mail stating I owe {$1800.00} to Midland Funding and/or XXXX, with the original creditor being XXXX. I have NEVER had any account with XXXX, let alone even knew such a company existed. This is a completely fraudulent collection done by a company in plenty of legal hot water currently. Maybe they are fishing for 'free ' money from unsuspecting consumers by mailing out fraudulent collection notices to people. I demand both Midland Funding and XXXX to cease and desist with this fraudulent collection, or I WILL seek legal representation. A collection agency can not just send out these letters claiming people owe an exorbitant amount of money to them without any legitimacy and hoping uninformed people will just pay to protect their credit!!