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

Asked for Method of verification of two accounts on my credit reports, Transunion, XXXX and XXXX did provide me with the information I asked for. See attached information forwarded to the credit reporting agencies. Transunion, XXXX and XXXX continued to report the account without providing to me how they came to their conclusion that these account belong to me ( XXXX XXXX XXXX for {$1300.00} and XXXX XXXX XXXX for {$7200.00}.
Product: Credit reporting or other personal consumer reports

Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX WA, XXXX. 

XXXX paid in full on XX/XX/year> but still showing on account until today ( XX/XX/year> )
Product: Credit reporting or other personal consumer reports

Despite exhaustive efforts and substantial evidence of identity theft provided to XXXX, TransUnion, and XXXX, the fraudulent accounts listed above remain on my credit reports. This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically the obligations to conduct a proper investigation and to correct inaccuracies.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I disputed several things on my credit with Experian and they didnt properly investigate the dispute. I also reported identity theft on a couple of charges. I have on my account because I was a victim of identity theft they did not properly look into it and its still on my credit report Date reported XXXX XXXX XXXX XXXX Amount : XXXXXXXX XXXX XXXX XXXXXXXX Original creditor {$870.00} Open balance
Product: Credit card or prepaid card

Since XX/XX/XXXX, I have been trying to resolve a situation with XXXX XXXX concerning unauthorized charges on my XXXX. They kept letting a charge go through in the amount of {$500.00} each even though I was disputing the charges. They claimed it could not be controlled? I finally made them give me a new card number on XX/XX/XXXX and then they gave the disputed charger my new card number without my approval. I have spoke with them numerous times and have also spoke with XXXX to try and determine the source of this charge and they tell me it is not them even though XXXX is in the description line. Not knowing what else to do, I had to demand that they close my account so no additional charges would go through. This was done on XX/XX/XXXX. In addition, I filed a police report with the XXXX, WI police department. XXXX keeps trying to claim I know the individual responsible in this case. I do not know who is responsible for these charges. In addition, I have contacted XXXX XXXX of XXXX, XXXX and XXXX to see if they could get anywhere in this case. On my behalf, they sent a formal demand dated XX/XX/XXXX to XXXX and as of XX/XX/XXXX they have received no response from them to try and resolve this situation. Per their recommendation, I am reaching out to you for your assistance with this dispute.
Product: Debt collection

XXXX XXXX XXXX garnished my wages for a Bank of America Credit Card that I had in XXXX. ( Judgement ) in XXXX. They canceled the garnishment once it was paid in full. Then turned around and garnished my wages again. Now, 10 years later they are trying to garnish my wages once again. That is 3 times now for the same debt. I have all of the documents that were provided to my past employer and my current employer. The address that they put for me on all the documentation was wrong, always has been and I have never been sent any notices or invoices since the card went into default. I lived in the same house for XXXX  years and they never notified me of anything. They keep going and getting judgements against me and I have no way of knowing that they are getting them because no one is notifying me so that I can dispute the judgement and then they get garnishments for the same debt that has already been paid.
Product: Credit reporting or other personal consumer reports

IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
Please update the following accounts and paid, never late. 

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

On XX/XX/XXXX, TransUnion received my claim, which disregarded and didnt act to remove the accounts from my credit report. These accounts are invalid items which do not belong to me. This is a violation of the California Credit Reporting Act and the FCRA. Please help me to remove this wrong information of my credit report. 

The accounts that are being incorrectly reported are the following : 1 ) XXXX XXXX, account # : XXXX, date open : XX/XX/XXXX. 

2 ) XXXX  XXXX XXXX account # : XXXX date open : XX/XX/XXXX. 

3 ) XXXX XXXX ACCOUNT # XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate Even after exercising 15 USC 1681i and sending letters to each credit reporting agency and there was no change. According to the FAIR CREDIT REPORTING ACT whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are not complete and accurate.

And one more thing according to 15 USC 1681s-2 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.

check the attachments below.
Product: Mortgage

On XX/XX/XXXX, according to the Wells Fargo process to receive the Escrow funds, I would need to provide a copy of the Divorce Decree and any documents stating I have ownership of the property. I have provided all the documents including a signed statement notarized from the now ex-spouse stating he is not entitled to any money from the said property. I reached out to a local Wells Fargo bank and the branch manager XXXX sent the fax directly to the Mortgage Correspondence department. Less than two weeks, I discovered the check was sent to the ex-spouse due to him calling and changing the address of the documents. The check was stopped and reissued and mailed to my property address with both parties ' names. I understood the check would come in that manner since the documents sent would take time to process. I contacted WellsFargo customer service on XX/XX/2022, discovering the documents were not received although I had received a fax cover sheet with a successful receipt of the XXXX pages. Again I resubmitted the documents from the same branch with a second successful submission. I reached out to Wells Fargo on XX/XX/XXXX to discover again the document was not received although the fax cover page stated the transmission was a success. I figured out this time, but talking with XXXX who is a representative of WellsFargo, XXXX, and XXXX XXXX ( Supervisor of XXXX ) I can resubmit via email provided by XXXX. The email was not a correct email which I verified with XXXX XXXX prior to hanging up the phone on XX/XX/XXXX. On XX/XX/XXXX, I was informed that the documents I faxed via my cellphone were in fact received and it would take 45 days to process the XXXX check, which is not in compliance with the regulator laws. My closing took place with Wells Fargo on XX/XX/2022, and it is now XX/XX/2022. According to the regulation, Wells Fargo has 15 business days to process the refund. I am unable to get any responses if the bank will comply. I have been assigned a case number however, the number means nothing when the group responsible is unavailable..Wells Fargo does not take the regulatory process seriously and will need to be held accountable for the lack of processing within the timeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked Cardinal Financial and XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX/CARDINAL FINANCIAL COMP XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I contacted Capital one card services on XX/XX/18 and they offered me a program that would lower my interest to 7.4 % and a monthly payment of {$160.00} to lower my balance of {$8100.00} to XXXX in XXXX years. I told them that I would have to think over terms and call back. The rep. XXXX said that I would have to reanswer some questions when I call back to be approved for the program if I decided to enroll. I call back some hours later and spoke to a number of representatives including an account escalation mgr. who said that I could not enroll in the program even though I was offered it earlier. 

I was frustrated already because I have called Capital one for several months explaining my financial hardship, and asking for different payment options or to change my due date to align with my pay to ensure that I don't fall further delinquent and assess more fees. Every time they would say there was no other options available which puzzled me because I have had the same circumstances but they were able to offer me on XX/XX/18 a special program to lower my balance. 

I think they are eluding consumers and doing a bait and switch tactic which is very cruel, inhumane and psychologically damaging to especially someone who is experiencing a financial hardship. 

I've had the card for seven years and had many credit line increases and paid on time, now the minute I'm experiencing difficulty they behave in such an unethical manner. It is unfair and discriminatory. 

I decided to close the card and requesting that they refund fees and interest on my card. I plan on paying it off sooner than later
Product: Debt collection

Ally Financial is showing a balance of XXXX. This was paid off years ago and the co signer of the auto lease is deceased. I would like this removed off my record. This was taken care of years ago.
Product: Credit reporting

I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX  and Avant Bank has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

Fraudulent account was opened with XXXX XXXXXXXX on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has flagged me as a deliquent payer for supposedly an unpaid debt of {$1.00}, XXXX with XXXX XXXX XXXX. This case was filed XX/XX/2000. No one from XXXX XXXX XXXX  has ever contacted me about this debt. I never had an account with XXXX XXXX XXXX in my lifetime. I have reported awhile back to all 3 credit reporting agencies that I suspected that my identity was stolen. I've contacted Experian about this to contest this report that has a negative impact on my credit rating.This report is fraudulent and is hurting my credit rating. My credit score used to be above 800 before all this identity theft has happened. I have excellent payment history and is being ruined by scams like this. I need help this correct this
Product: Payday loan, title loan, or personal loan

OneMain never called about late payments before reporting to the Credit Bureaus that payments were late. Per fair credit practices, lenders need to contact borrowers before making reports. OneMain never tried to contact me by phone, mail or email before reporting to the credit Bureaus regarding late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, so I was unaware that my account would be late as I had automatic payments set up and I was unaware that my payments did not go through.
Product: Debt collection

I'm writing to express how DISSATISFIED I am with your recent claims about my accounts. Due to the lack of substantial factual evidence to support your allegations, I hereby contest these claims. Thus, without further ado, I implore you to IMMEDIATELY COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS. 
My financial situation has been severely tarnished by these allegations, which also have the potential to seriously damage my creditworthiness. To avoid such negative effects, it is imperative that we precisely and quickly handle this matter. 
I require you to dispute these reports as soon as possible and provide me with verifiable proof to support your claims. If I don't, I'll be forced to take legal action to protect my rights and make this right. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My expectations are that you will treat my concerns with the seriousness they deserve and that your bureau will follow the rules of justice and truth in handling this case. I am awaiting a timely response and a resolute commitment to thoroughly investigating this disagreement.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

Same for XXXX and Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Mortgage

I applied for a VA loan through Wells Fargo XX/XX/2016. I submitted all my necessary information, met the criteria for the credit report, met the income to debt ratio, submitted all documentation, obtain a termite inspection, paid and completed an appraisal. ( all submitted within 6 weeks ). Wells fargo wanted different items, which were then provided, then they requested more which was provided. They told me to not do the water test, and three weeks prior to the lock rate expiring, they said I needed a water test. Water test completed, extension filed, then all previous documents starting to expire. Wells fargo said they submitted to VA, which they NEVER done, and requested more documents that were about to expire. I ran into a family loss and hardship during this time. My credit report expired and they needed update. I dropped XXXX points, and Wells Fargo dropped my loan. The loan never left Wells Fargo for VA approval, and I would have cleared VA requirements if Wells fargo had done their portion accurately and on a timely basis. Today, after I was informed of my application denial, ( 4 months after applying ) they wanted 2 years XXXX. I do n't believe Wells Fargo was willing from the beginning to approve my VA loan.
Product: Debt collection

Franklin Collection Service XX/XX/2014 Contacted Franklin Collection to ask them how do i owe this bill was never given a reason as to how i owe this balance
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/2019 - XX/XX/2019 )
Product: Payday loan, title loan, personal loan, or advance loan

i went through XXXX XXXX XXXX to have this removed it did not fall through
Product: Credit reporting, credit repair services, or other personal consumer reports

*****Hello, My name is " '' '' '' XXXX XXXX '' '' ''. I have tried to correct my credit report over the past 2 years but none of it works. I notice that all of the employment information and some of the addresses that are listed in my **credit report***. There are also several incorrect information that exist in my credit report that not belong to me or any of our business. I really demand to have all of these information clear off my credit account. Here are the addresses and employment information : & & & & & & & & & & & & & & & & & & & & & *XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ ***XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **************************
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX  # XXXX, XXXX XXXX # XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX SELF-REPORTED Account # : XXXX reporting innaccurate information XXXX  SELF-REPORTED Account # : XXXX reporting innaccurate information XXXX  SELF-REPORTED Account # : XXXX reporting innaccurate information XXXX  SELF-REPORTED Account # : XXXX reporting innaccurate information XXXX  XXXX Account # : XXXX reporting innaccurate information XXXX Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX XXXX original creditor XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information These accounts has violated my rights .

15 USC 1681 section 602 A. States I have right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions to do so.

15 USC 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 USC 1681 section 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 innaccurate.