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

To Whom it May Concern, I am requesting your assistance in investigating and correcting this information. According to 15 U.S.C. 1681 SECTION 602 A : STATES I HAVE THE RIGHT TO PRIVACY.
15 U.S.C. 1681 SECTION 602 A 2 : 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 ADVERSE ITEM OF INFORMATION, OTHER THAT CONVICTIONS OF OF CRIMES WHICH ANTEDATES THE REPORT MORE 2 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. 


Below is the personal information that needs to be reviewed and potentially removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am reporting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. Enclosed with the letter are copies of documents that verify my correct personal information, including government-issued identification. 

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information the creditor can not verify. I understand under U.S.C. Sec 1681i ( a ). You must complete this investigation within 30 days of receipt of this letter. Please send and updated copy my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX  XXXX XXXX
Product: Debt collection

I have attempted to dispute the claimed debt owed multiple times directly with the companies and with the credit reporting agencies to no avail. The companies continue to report unverified collection accounts even after I have asked for verification docs, account statements, original agreement copies, and proof of their legal right to even attempt to collect on the alleged debt - all requests have gone unanswered. I have requested this information in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. According to the collection companies own websites/consumer portals - my information does not link to a record within their files yet they continue to claim and report thousands of dollars as owed to them to the credit reporting agencies. This fraud and their lack of being able to properly verify the debt should mean that the debt is uncollectible and therefore they should cease reporting the incorrect information and promptly remove the reported info linked to my personal info from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept my official written notification that I suspect inappropriate information reporting and I'm seeking clarity to if or not the alleged information injurious to me was done so in accordance with laws and adherent to the mandatorily utilized reporting standards. Obviously, I demand elimination of claims not certifiably compliant in reporting accuracy and completion mandates and or not yet physically demonstrated of confirmed.. 
documented proof of verification and validation absent incertitudeness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, DISCOVER BANK used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. DISCOVER BANK reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently going through a divorce. And I have recently discovered that my wife has used my credit to apply for products without my consent. Because of this, I have received several inquiries on my credit report that doesn't belong. The dates of these inquiries are as follows XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i was in a XXXX XXXX relationship with my x husband who is XXXX XXXXXXXX XXXX XXXX  for his actions against me and my son. i found several accounts he opened in my name that i had no knowledge of or had given permission to be opened. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unknown. 

a ftc report has been filed and is attached to this complaint.
Product: Checking or savings account

I first received a text asking me if I was still invited in a XXXX XXXX XXXX and after I replied yes I was then transferred to their hr department via XXXX. This is where my interview proceeded. I was on a XXXX chat for an interview. The next day I was offered a job and XXXX. Received an offer letter with the companys logo on it. In this case they posed as XXXX XXXX XXXX XXXX them told by a man named XXXX XXXX that i would be receiving a check from their accountant to purchase work t materials needed to make my work from home station. As soon as the check cleared the next day I was told to make XXXX payments to their vendor for {$1700.00} and {$450.00}. The first payment went through however the bank held the second payment. Then I was told o word be receiving another check for the rest of materials. At this point I already filled out the forms given to me by the XXXX XXXX  to put in my full name,, address, phone number, social security, and other personal info as well. This was XXXX XXXX XXXX XXXX because he said what company would give you XXXX k to make purchases. At this point I had my XXXX XXXX XXXX XXXX XXXX  and sure enough she found out that I have been scammed! I then reached out to this XXXX XXXX to ask him to have the vending please return my XXXX  of XXXX because I didnt need a laptop after all. He replied by saying he didnt understand why I was so insistent on getting a refund because it was the companys money. I then never heard back from him at this point. I tried to say that my second check went through and I was ready to make more purchases from vendors but he never answered. I tried calling him and texted him through XXXX but no reply. I have been scammed!
Product: Bank account or service

XXXX/Comenity Bank charges fees on fees!! 
I hold a XXXX credit card through Comenity Bank. I was charged a late fee when I paid off my full balance two days late. Although the payment made two days late was my oversight, that late fee was subsequently reversed, and as I paid my balance in full I was not expecting any further payments due. However, unbeknownst to me there were XXXX additional late fees charged as well as interest because of the initial late fee. There were no additional purchases made and the balance outstanding on the account was all fees and fees charged on top of fees. I spoke to a representative named " XXXX '' Id # XXXX and she was unwilling to remove the fees. I hope the principle of charging fees on fees is not one that XXXX nor Comenity bank condones. The amount is negligible, but the practice of charging fees on top of fees is reprehensible. I enjoy shopping at XXXX, and I hope this matter can be addressed expeditiously to keep me as a loyal customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification about a new inquiry to my credit report. I called XXXX XXXX to inquire why they asked for.my info since I did not seek credit from them. I was informed that an account from XXXX XXXX had been.opened in my name. They are an online retailer that I had no contact with. XXXX XXXX put me thru to their fraud dept and I was told I would recieve info in the mail for this to be taken off my report. Well, 2 days later, I received a credit card from XXXX XXXX!! I just want this closed and taken off my credit report.
Product: Debt collection

Aldous & Associates sent me a letter that was full of profane language and threats. I am attaching my Notice to Dispute and Debt Validation Request.
Product: Debt collection

AMERASSIST AR SOLUTION inaccurately reports as a debt from a creditor XXXX XXXX XXXX. 

I have never conducted business with either of these companies and requested documentation with my signatures which stated I had any type of transaction with these companies but have failed to receive them. 

The companies have placed this on my credit file and it is inaccurate.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, of XXXX XXXX, IN Florida, City of XXXX, MAKE OATH AND SAY THAT : 1. I have never had an account with these companies XXXX Account number # XXXX, XXXXXXXX XXXX XXXX account number # XXXX REMOVE from all credit agencies from reporting. 
2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S.

Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. As mentioned in the 15 U.S. Code 692f Unfair practices 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 days
Product: Student loan

Navient is my student loan lender and I keep going back and forth trying to apply for income driven repayment plan. I received the application back in XX/XX/year> I filled out and sent copies of my paystubs. 3 months went by and the whole time they had my account on forbearance accumulating interest while waiting on them. I finally call them back after my forbearance expired and asked what was going on and they said they never received proof of income. Funny because i screen shot the verification when I uploaded my paystubs saying it was successfully uploaded. I again submitted copies of paystubs XX/XX/XXXX and called them on XX/XX/XXXX to verify they revived them and i was told they only received one not 2 when I again screen shot they had successfully uploaded both of my paystubs. Once again they put me on forbearance for another 3 months to bring my account back in good standing so I agreed to it to give them time to process my application. I am tired of them misleading consumers and not having good explanations when we ask questions. I need answers and at this point I dont know what to do.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the inability of the Credit Bureaus to correct my Credit Report despite the multiple dispute letters and CFPB complaint I have done! There are accounts that are reporting erroneous information on my Credit File and needs to be corrected since it caused a drastic damage to my Credit Score. I have read that under the Fair Credit reporting Act, the Credit Bureaus are required to verify the information being reported on my Credit Report per consumer 's request and needs to update and or delete for any damaging erroneous reporting. I noticed the following upon doing a further research with my Credit File : a ) There are accounts reporting as late even though I never missed a payment ; b ) there are closed accounts reporting as late even though the balance is {$0.00} ; c ) there are charge off accounts reporting balance and as far as I know charge off accounts MUST show XXXX  balance ; and d ) there are accounts that are already deleted from the other Credit Bureaus but are still indicated from the other Bureaus. Under the FCRA, I need the following accounts investigated and updated or deleted : 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
Product: Debt collection

Portfolio Recovery is s tating I owe  XXXX  debts of {$390.00} and {$360.00} for credit card accounts originally with   XXXX   XXXX  . I repeatedly disputed this claim several times via mail for about a year now because this is not my debt and fraudulent activity with this account. I have never signed a contract. I have even attempted to a pay for delete sent certified mail for both account if they agree to delete they never responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX BANK HAS XXXX CLOSED, NEGATIVE ACCOUNTS REPORTING ON MY CREDIT REPORT OPENED IN XXXX AND XXXX BOTH ACCOUNTS WERE OPENED FRADULENTLY AND I HAVE CONTACTED THEM FOR XXXXYRS STRAUGHT TO INVESTIGATE AND REMOVE THE FRAUDULENT AND NEGATIVE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

After requesting Experian to remove unknow addresses from my personal information on my credit file, the following address still remains XXXX XXXX XXXX XXXX XXXX, IL, XXXX.

This address does not belong to me and is not associated with any closed or open accounts listed in my consumer file. This unknow address was also deleted from another credit bureau. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following phone numbers are listed on my chexsystems report. These phone numbers do not belong to me. They are a result of identity theft. 

The numbers I am disputing are : XXXX, XXXX, XXXX, XXXX
Product: Credit reporting

I have sent several certified letters to equifax, XXXX and XXXX multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX Amount : {$1000.00} Date Open : XX/XX/2018 I have filed a dispute using Experian but noticed that the investigation was done incorrectly due to the account remaining on my credit report. I have submitted a FTC report explaining that this account was related to identify theft but it still remained on my credit report. This account is on all XXXX credit bureaus ( XXXX, Experian, XXXX ) Regards, XXXX XXXX XXXX XXXX, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a report with the FTC. I do not recognize any of this stuff. I can't believe how my credit has been run. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I called and request to have to account closed and closing bill issued to me on XX/XX/2023 the company bluntly and flatly stated that I could not request the account closed/ cancelled. I advised them that after the XXXX of XXXX I have no access to the card because I threw it out and attempted to closed the card down they bluntly refused. They used deceptive practices in clarification of what type of account this is. I explained that because I did not have the card I was not sure of the transactions and that I would like to report it lost or stolen they refused. The company on recorded like stated I had no right to close the account request/ report a card lost. I disputed the account as well because I requested the account closed in five different calls. The company then refused to provide me the bal owed via email or mail stating I had the balance owed. I was also mocked on the calls and laughed at on the line with team members XXXX, XXXX, and XXXX ( supervisor ) all and the XXXX Az Call center who stated that I could get no further resolution or escalate the call and no matter how many times I called they could not be escalated and there was no further supervisors or supervision for their department leading to this complaint.
Product: Checking or savings account

I work for XXXX  as a XXXX  and ever since I got the debit card issued by the company, there's been a lot of charges on my account on different days and months. Specifically XXXX XXXX and XXXX. The debit card is issued by Payfare. The application name ( bank name is XXXX ). This has been going on for too long now. I tried contacting the company about it multiple times and they have no response at all. Too much charges has been taken out of my account that I did not authorized. I also contacted the card issuer and they said they will look into it and will give me reimbursement for all the money taken out but they never did. I also attached the email sent from XXXX support.
Product: Credit reporting or other personal consumer reports

The account is listed on my credit report by the company XXXX XXXX XXXX - XXXX. 

They keep reporting this debt saying that I incurred this debt while living at the following address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. 

I have never lived at that address.
Product: Mortgage

This complaint is regarding Wells Fargo Bank and the servicing of my mortgage loan. 

I have two mortgage accounts. One payment is in the amount of {$1700.00} and the second is {$1200.00}. I used the online web portal to schedule payments for XXXX. There was some software glitch that resulted in one mortgage payment posting. 

My credit score has been above 750 points plus, I have never missed a payment or made late payment. I have 1359 payments on time showing on my report. 
I was not contacted by the company about the missed payment I have spent 35 days trying to correct the issue the lender is reporting my delinquent to the credit bureau severely impacting my credit. 
Ive been a customer since 2009 using the same log in information I want to spread awareness about this issue as this company is exploiting good customers who make on time payments. I thought when I reported the bug someone would use common sense and logic to asses the account. I logged in on XX/XX/XXXX to make payments just as I do every month. The only thing different that I noticed is the logo and website looked like it had gone through an upgrade. The XXXX XXXX is saying there is no evidence of my making a payment. Im requesting them to look at my log in and my payment history. Why would I log in to my account and make one mortgage payment and ignore the second payment. I experienced an issue with their portal and instead of believing a good customer with over XXXX in accounts. Their resolution team is accusing me that I didnt make a payment because I cant prove it. I never had an issue with the online website before. Whatever occurred happened on XX/XX/XXXX. All I am asking is for my payment date to be corrected to XX/XX/XXXX and credit bureaus updated to remove the 30 day delinquency and the record to reflect my payment was made on time. 

Thank you