23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to you on XX/XX/2021 requesting an investigation and removal for the accounts listed and per my USPS certified receipt, it was delivered at your address on XX/XX/2021. The reason for the investigation was to advise you of accounts that are showing Inaccurate, Unverifiable and Incomplete on my credit report you are reporting.

As of now, I have not received a reply from you or any acknowledgment that an investigation has begun. Pursuant to the Fair Credit Reporting Act 623 ( a ) ( 6 ) ( B ), you may not furnish information to my credit report regarding a fraudulent account or debt.

I am requesting for you to delete these accounts immediately from my credit file. Supporting documentation will be attached for you review.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX TransUnion Dispute Department po XXXX XXXX XXXX, PA XXXX Subject : Dispute of Account Information for XXXX XXXX XXXX ( # XXXX ) Dear TransUnion, I am writing to dispute inaccurate information on my credit report, which I accessed on XX/XX/XXXX. The following account details under XXXX XXXX  appear to contain errors that must be corrected immediately : Original Creditor : Incorrectly lists XXXX XXXX 
Balance : Displays {$1300.00} as of XX/XX/XXXX, despite being listed as paid off in the same report. 
Status : Missing clarity about the status of the account, as it reflects conflicting data ( Paid Off and still showing a balance ). 
Payment History : No payment history provided, which makes it impossible to verify reported data accuracy. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which requires information reported on credit reports to be accurate, verifiable, and complete. Please investigate and address the following : 1. Confirm the original creditor and clarify whether the account was transferred or sold.

2. Correct the balance to reflect the true status if it is indeed Paid Off.

3. Verify or provide complete payment history for the 24 months referenced.

Enclosed, I have included supporting documents : A copy of my credit report highlighting the errors.

Any relevant account statements that substantiate my dispute.

I kindly request that you resolve this dispute within the legally required 30 days and notify me of the outcome. If the disputed information is found to be inaccurate, I ask that you promptly update my credit report and provide me with an updated copy.

If you need additional information from me to complete your investigation, please contact me at the information listed above.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

American credit acceptance is a financial company that I used to finance a used vehicle back in XXXX. Then i started to fall behind on payments, and tried to set a payment plan with them. I was told, they DO NOT have any kind of repayment plan or refinance option at all. strange but ok, so they wanted the past due balance paid in full to make the account current that was a few grand at best. So I decided to wait for a better option, to either refinance with another company or another loan. Then came covid-19, i was laid off so no income at that time. Things were ok until XXXX on XX/XX/XXXX when my wife left home and went to a local XXXX  in XXXX, IN. Upon coming out she noticed the vehicle was gone, thought is was stolen. She called XXXX to report it and was told it was repossessed. Really how? I spoke to a local police officer that was on scene and he concluded that someone followed my wife from home across state lines to XXXX to tow a car. ( stalking ) not that serious for someone to sit outside my home and wait for my wife to leave and follow her where ever she went. ( crippy ) unacceptable to have my wife stranded in another state.
Product: Credit card

Chase bank says they sent my rewards miles to British Airways, but they have not posted to my account. I've called both British Airways and Chase and they both say the problem is with the other entity.
Product: Credit card or prepaid card

XXXX  account was called in and closed out by me, the consumer. I called to make payments on the account, spoke with representative from XXXX, and was advised this account can not be paid, no payments can be made. If this account can not be paid by me as a consumer then I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo recently foreclosed on a home where I had two loans with them. After the foreclosure, there was a balance which substantially pays off the second loan. Wells Fargo was notified by the court system that the money owed to them was available. They refused to acknowledge this and change the account number on the loan and are reporting as delinquent for over {$69000.00} than owed. I tried to dispute with the credit reporting bureaus - XXXX and XXXX - both disputes when I tried to load them onto XXXX XXXX would not transmit to the companies - supposedly XXXX XXXX 's reporting mechanism was not working - I tried several times! The attorney handling the foreclosure has corresponded directly with Wells Fargo regarding the over {$69000.00} and they still keep reporting me delinquent, will not state the correct amount owed and as they told me they would are working to ruin my credit. 

Do I have to sue Wells Fargo and the Credit Reporting agencies in order to get this matter taken care of. If so, I need to do it quickly as that is how Wells Fargo was able to foreclose of the first loan - the judge stated I took too long to sue them after trying to years to get them to acknowledge that I had already paid the loan off. Now they are doing this to me again - they are basically ignoring my calls and letters and refuse to first collect their and give me an updated loan amount with the new number they have changed the account. 

What can I do going forward?
Product: Credit reporting, credit repair services, or other personal consumer reports

I Cant Log In To My Account XXXX please help me with this problem i Open a Credit Card Account With XXXX XXXX XXXX XXXX In The XXXX they locked my account and i was not able to view my Statement online and see my account please me with this problem i dont know why they locked my card and they locked it because of a Dispute that was already resolved please help me with this problem ...
Product: Credit card or prepaid card

I received an unsolicited Kikoff Mastercard on XX/XX/2023. XXXXXXXX XXXX XXXXXXXX XXXX assisted me in getting in contact with Kikoff to cancel the account. It is currently in process to getting canceled. No activities were detected in my credit reports, but I have taken measures to strengthen the security around my bank etc. as now I am aware that my information has been compromised.
Product: Debt collection

I had an account with XXXX for internet im on XXXX my payee paid all my bills i canceled my service returned equipment and switched back to XXXX XXXX XXXX continued to charge me for service after i canceled when they was paid for the month i canceled so was actually overpaid this account was purchased by lvnv llc and placed through resurgent collection agency and put on my credit reports i called resurgent and disputed it and they told me that all i could do is pay it or they will continue to report it every month to the credit agencys as new acct and will never be removed i contacted lvnv and never got response i contacted XXXX they located my acct but said they couldnt have it removed because it was sold to lvnv advised me to dispute it and contact resurgent again and request they call XXXX to validate the account is owed i called they refused said XXXX would have no report of my account even though they do and again told me until i pay they will continue to report me everymonth and this will never be resolved until i pay even though i dont owe the money
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit companies are reporting I have tax liens reported by different courts. The courts  DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and  a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ), including : Failure to conduct a proper reinvestigation of disputed accounts ( FCRA XXXX ( a ) ( XXXX ) ) Failure to provide the legally required Method of Verification ( MOV ) ( FCRA XXXX ( a ) ( XXXX ) ) Failure to correct and delete inaccurate personal information ( FCRA XXXX & XXXX ) Knowingly reporting false and misleading information ( FCRA XXXX ( a ) ( XXXX ) ( A ) ) On XX/XX/year>, I submitted a formal dispute to TransUnion via the CFPB complaint portal ( Complaint # XXXX ) regarding inaccurate late payment reporting and incorrect personal information on my credit report. 

TransUnions Response : TransUnion sent a generic response, stating that it reviewed my dispute and mailed me the investigation results. However, TransUnion failed to provide the legally required Method of Verification ( MOV ) as required by FCRA XXXX ( a ) ( XXXX ). 

Accounts in Dispute : Despite my dispute, TransUnion continues to report false late payments on the following accounts : XXXX XXXXXXXX ( # XXXX ) XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) No legally required verification was provided. These accounts must be updated to Paid, Never Late or removed entirely. 

Failure to Remove Inaccurate Personal Information : TransUnion refused to remove outdated and incorrect personal information despite my formal request. 

Incorrect Name : " XXXXXXXX XXXX XXXXXXXX '' ( Correct : XXXX XXXX XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX How This Has Harmed Me : Due to TransUnions refusal to comply with federal law, I have suffered severe financial and emotional harm, including : Denial of credit approvals that I was otherwise eligible for. 
Higher interest rates on loans and credit cards. 
Inability to obtain necessary financing for personal and business needs. 
Emotional and financial distress caused by TransUnions negligence. 

Previous Complaints & Supporting Documentation : I have previously submitted complaints regarding these violations : CFPB Complaint # XXXX ( Filed on XX/XX/year> ) FTC Report Number : XXXXXXXX Despite my complaints, TransUnion has failed to correct these violations.
Product: Checking or savings account

I was scammed. I was tricked by somebody on XXXX to send money through fake zelle emails sent to me on XX/XX/2022. I was selling my baby bassinet on XXXX and somebody reached out to me to buy it but sent the money through Zelle business account. I received an email claiming that in order to receive the money I had to raise my limit because it wasnt a business account so they had me ask the client to send me {$300.00} and me refund it back. Client didnt send proof of payment but I had to send it back to even when my bank was at {$0.00} balance. It went through the bank and I went to XXXX. Then I got an email that somehow I had to make q business account to get the full amount back and send another {$500.00} and thats where I drew the line and didnt send it. I realized I was scammed and contacted zelle through their app as a complaint then called them. They told me they couldnt help because the transaction was authorized so I contacted the bank and they said the same thing but theyd file a dispute to try and help. But it takes time for that to go through and now Im sitting with no help.
Product: Debt collection

I received a notice on my Credit Report that I had a Collections. I disputed it and found out it was about a XXXX  debit. I never received a bill or anything saying I owed them. I filed a dispute with the Credit Reporting Agencies and the XXXX, back in XXXX. I got a response from XXXX on the XXXX  dispute. I responded telling them I was never informed about a bill and if they would send me a bill I would pay it. No response back. I received a letter last week from the Collections Agency asking me to pay the collections, this is the first notice I have received about the Bill/Collections. 
I don't know what to do to fix this. My credit has been damaged. I should have received a bill to pay not a collections. I have tried to find Legal help, no one responds or they don't have time. 
Can ANYONE advise or help?????????
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Some company continuously calls my house phone, cell phone, and other family member 's home phones who do not live with me. They leave messages as I never pick up, and today they said they are going to review my assets, and listed my current vehicle and a vehicle I no longer own as what they will be reviewing. They also mentioned something about rent or where I live, and I 'm really annoyed as I do not know what the debt even is. They called today around XXXX EST, left that message and said I have 24 hours to respond, which I did not do, and do n't plan on doing. They called me MONTHS ago, but threatened to have me arrested if I did n't comply. I spoke with them back then, and they would n't give any information ; they sent me a botched looking email when I demanded physical paperwork for the debt. 

They also are calling from a different number currently ; right now, it 's XXXX, before, it was an area code from a different state, far XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern 's. l am frustrated with these 3 so called Credit Bureaus. l has requested numerous times to remove these inquires & delinquent accounts from my credit report. But to avail, these accounts are still affecting my credit score to drop below standards. This has been on battle since XXXX until now. If the CFPB would investigate this matter you see an overview the of the ignorance Under the Color law. There is a multitude of volitation 's by these 3 so call credit bureaus ' Just to name a few. 15 USC 1681b, Permissible purpose of consumer report. Also 15 USC 1681 Section 602A,15 USC Section 604 A consumer reporting agency can not furnish a accounts without written instructions. 15 USC 1681s-2 ( A ) ( 1 ) Section states ; no consumer reporting agency can not contain the following inaccurate information or has reasonable cause to believe that is damaging the consumer credit history. Also, they aren't even in compliance with metro 2 credit reporting. In accordance with the Fair Credit Reporting act under the rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX and Experian don't respect CFPB laws.
Product: Student loan

I received a letter from a company stating Im being sued for a debt on XX/XX/year>. I reached out to the company and they stated its from a student loan company and my wages will begin to be garnished. I do believe this debt to be untrue but seem to be not able to stop them from garnishing my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the List of accounts shown below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 
ACCOUNT Name : XXXX XXXX XXXX # XXXX, ACCOUNT Name : XXXX SELF-REPORTED, # ACCOUNTXXXX, ACCOUNT Name : XXXX SELF-REPORTED, # ACCOUNTXXXX, has violated my rights. 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

These amounts were emergency room copays and were incorrect due to being admitted which would wave the copay Also I have a charity care application which covered all my unpaid medical bills at hospital Currently I am XXXX under XXXX
Product: Debt collection

I received a letter in the mail from Sequium Asset Solutions , LLC claiming that I owed a debt to XXXX XXXX XXXX, which is not true. The letter, dated XX/XX/2020, says clearly that I have 30 days from the time I received the letter to dispute the debt. I disputed the debt and sent the letter off XX/XX/2020 because I did not receive the letter until some time around XX/XX/XXXX, possibly because of Covid-19 delays with mail. 

Being that I disputed the information, then why was this inaccurate information reported to my XXXX and XXXX  credit reports on XX/XX/2020? This is clearly before the letter was even sent as well as well before the 30 day time frame I had to dispute the validity of the debt. 

The fact that they submitted this debt without validation is a clear VIOLATION of the Fair Credit Reporting Act. I am allowed 30 days from the time I receive the letter to dispute the validity of any debt collection. They did not do that and the credit bureaus did not even verify if the debt was mine. 

Attached to this complaint is the letter that I sent to Sequium requesting proper validation to this debt, the certified letter receipt, and the collection notice I received in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX DC, {$480.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. I been receiving harassing and threatening phone calls of abuse, death threats, profane language, threats of arrests and taking legal action against me repeatedly from the above debt collectors. I have sent cease and desist letters to the above debt collectors via USPS certified mail, informing the debt collectors the account is fraudulent and unauthorized, and requesting for them to stop calling and writing me about the above reference and fraudulent accounts. The debt collectors from the above creditors continue to call and send me letters. This is a serious breach and major violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. The above creditors are in violation of the ( FDCPA ).
Product: Debt collection

In XXXX of XXXX I moved out of my apartment, the apartment manager allowed other people to live in my apartment after me contacting them and letting them know I was no longer residing at the residence. I didnt authorize anyone to be there under my lease and the apartment complex decided to evict me in XXXX of XXXX! Even though I had been out of that apartment for months prior
Product: Checking or savings account

I have account under business was opened sinceXX/XX/2016 but the bank closed and ate the fund and I am surprised when I called the bank today. I never got any letter about the account being closed and how the fund is being return. It is so scary
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed.

15 usc 1681 ( a ) ( 4 ) General revenue corp accounts that reporting false and misleading Information.

XXXX XXXX XXXX  accounts that reporting false and misleading Information.

They never properly verified account.

Contract caller Inc. 
accounts that reporting false and misleading Information XXXX XXXX XXXX accounts that reporting false and misleading Information. 

XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Bank of America has been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 

They took {$300.00} dollars from my bank account on XX/XX/XXXX without my authorization. 


This is what account looks like on XXXX. 
BK OF AMER {$24000.00} Closed 28 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00} Account showing 28 Negative ratings
Product: Debt collection

I was called by a gentleman from CFS who states that he was contacting me for XXXX XXXX because I supposedly owe {$480.00} for a payday loan ( alleged account # XXXX ) that I supposedly took out with a bad checking account back in 2012. He could not provide me with any information about the company that I supposedly took the loan with and said that I could not talk to XXXX XXXX because it would be a conflict of interest. The phone # is XXXX and ext # is XXXX
Product: Credit card or prepaid card

Netspend card was used without mu permission in the amount of {$2600.00} and {$600.00}. I filed a police report.
Product: Student loan

I was pressured and rushed into getting a private loan through XXXX XXXX rather than being given several options or time to seek out other loans. I am now stuck with a High interest loan with a high payment that I can not afford.