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

To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account currently reported on my credit file. The details of the account in question are as follows : Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Account Balance : {$1200.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am requesting an immediate investigation into the accuracy and validity of this account. If this account can not be fully verified with documented, legally admissible proof, it must be permanently deleted from my credit file with Experian, XXXX, and XXXX. 

Additionally, under 15 U.S. Code 1681s-2, data furnishers are legally prohibited from reporting inaccurate or unverifiable information. I must emphasize that I never entered into any contractual agreement with the third-party debt collector currently reporting this account. Without my direct consent or a valid, signed contract proving my obligation, they lack the legal authority to furnish this debt to my credit report. 

Furthermore, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I formally request validation of this debt. If the debt collector or original creditor is unable to produce a legally binding contract bearing my signature, this collection account must be removed immediately. 

As required by the FCRA, you have 30 days to complete your investigation. If this account can not be fully validated within that timeframe, I demand its immediate removal from all three major credit bureaus. 

Should this matter not be resolved appropriately, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for violations of federal consumer protection laws. 

I appreciate your prompt attention to this matter and expect a written confirmation of the accounts deletion within the legally mandated timeframe.
Product: Credit reporting or other personal consumer reports

I was in a wreck and my lease was paid off in full by XXXX XXXX in XXXX. I was never late on a payment and my monthly payment status shows this with each credit bureau. Initially, the remark on the account said 'natural disaster ' and then it was updated to 'early termination/ insurance loss ' On XX/XX/2024. This remark has caused my XXXX to drop roughly XXXX points. This language is erroneously interpreted as derogatory with XXXX. Because of this language, XXXX is showing that I have this account with a XXXX and XXXX days late payment and XXXX % accounts paid as agreed instead of 100 %, as it should be. However, when going through the monthly payment history, there has never been a late payment. For a resolution, I would like the remark 'early termination/insurance loss ' removed from this account or I would like the account totally removed from my credit history from each major credit bureau, due to its false and negative impact its having on my XXXX credit scores. Thank you.
Product: Debt collection

Ive requested through XXXX, XXXX and XXXX for the Prof Debt Account XXXX debt collector to validate the information by providing supporting documentation with the original creditor documents that was sent over to them ( debt collector ) to support the collection on file. I have yet to receive any documents to support that the account insure accurate and correct. I only received a verified status on the credit bureaus. How did you validate the information?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  & XXXX  were sent a Identify Theft Report Dated XX/XX/2020. I have heard from their results in this matter. I sent them a copy of police report, copy of the items that were fraud. Very detailed list of the items listed in each bureau. Not sure what else to do other than to keep sending out letters explaining the circumstances. 

XXXX  had a data breach that I was included but yet they still refuse to remove negative items that were listed as fraud from account. 
XXXX  too.
Product: Credit reporting

There are XXXX negative accounts that are being reported by Equifax , I have attempted to dispute these XXXX times to get the payment history and payment status updated to reflect accurate information. I also disputed the same information with XXXX and XXXX along with provided the same documentation from the lenders themselves and they corrected the false information. Equifax however continues to damage my credit. I attempted to get assistance on the phone with the dispute department several times and was meant with attitudes when trying the explain the situation, even hung up on. My score is above XXXX with the other CR agencies and sitting at XXXX on Equifax due to their refusal to correct this information. The accounts in question are held by XXXX/XXXX/XXXX and XXXX servicing and were reported in negative payment status, and XXXX XXXX XXXX which was paid off by the XXXX in XX/XX/XXXX yet Equifax continues to report it 's status as a collection account despite listing it as paid like they have in the comments. I was told that my concerns about my credit are irrelevant as a consumer this concerns me. These accounts show as late in XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I have been sending letters to XXXX and Equifax in regards to unauthorized fraudulent inquiries placed on my credit bureau profile accounts. Since XX/XX/2021, two of the three bureaus ( XXXX and Equifax ) have ignored my requests and have not sent me any correspondence. A post card is not what I'm expecting receive as a response, after sending many inquiry investigation letters. Yet, still no removal of the fraudulent inquiries from these bureaus, regardless of the countless letters I've mailed. If you can mail post cards, then why are you not responding to my letters or sending me proof of methods used to verify the information that continues to remain on my profile. This has been a long tedious battle with XXXX and Equifax for months. I have had no support from the bureaus. I am being treated as if, I am not the valued consumer and my information has been compromised. I have been left feeling violated. I have called and spoke to representatives at the bureaus that have either disconnected my calls or ignored my request and even asking me to file reports with the police. In addition, I have also contacted each individual creditor to request proof or removal from my reports and no success either. The creditors continue to respond with ; they don't have records of my information on file with them. 

XXXX letter to XXXX for inquiry XXXX XXXX XXXX XXXX XX/XX/2021. No removal XXXX letter to XXXX again for XXXX XXXX XXXX XXXX XX/XX/2021. No removal XXXX letter to XXXX a third time and No removal. 

XXXX letter to Equifax for inquiry XXXX XX/XX/2021. no removal XX/XX/2021 - letter to Equifax again for inquiry XXXX XX/XX/2021. no removal XXXX letter to Equifax and a third time for inquiry XXXX XX/XX/2021. no removal Each time a response from XXXX or Equifax comes back to me, its a post card or letter of inquiry investigation process. Yet, never a letter showing me verification of method used to verify the inquiry.
Product: Debt collection

Transworld Systems Inc. Failed to provide information proving this debt was mine which is not. this debt is incorrectly there and should be removed immediately or I will take legal action if not removed from XXXX. 
All contact should be taken up to my attorney XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have called XXXX several times. My health insurance paid a bill that is on my report as collection. XXXX does not seem to care and this is reflecting a job offer. XXXX XXXX XXXX, XXXX ignored letters from my XXXX XXXX XXXX requesting additional information. XXXX has on file the amount of times they notified XXXX XXXX XXXX. I called XXXX several times and XXXX time to tell her that I drove down to XXXX XXXX XXXX to obtain copies of the visits to send to XXXX. I then let XXXX know that XXXX has everything they need and will process and pay the claims. XXXX ignored my communication and sent it to collection. XXXX XXXX XXXX refused to refill my prescriptions until I paid the invoices. XXXX has paid them and they have cashed the checks. XXXX has said several times that she reversed the collection. Each time I call the collection agency they state no one from the office will confirm. Meanwhile this is on all my credit reports when in fact I am owed money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX
Product: Credit reporting

experian will not investigate, verify and remove these innaccurate and incomplete items because they say they investigated before already. please see documents of incomplete items attached, but when i filed complaint last time they said if i tell them why they would investigate, and also the investigation have taken more than 30 days to complete
Product: Debt collection

Wells Fargo Bank Account # XXXX was paid in pull on XX/XX/2018, in the total amount of debt owed which was XXXX. However, it is still being reported by the credit bureau that it is not paid. In addition, XXXX credit bureau is showing the debt has been satisfied. I called Wells Fargo and they reported that it showed that the amount had been paid in full on the said date. 

However, XXXX is still reporting the debt as owed.
Product: Bank account or service

On Friday XXXX XXXX my identity was stolen my bank account information my debit card information my social security number birth certificate was stolen as well. I contacted police made a police report to .I also contacted my bank bank of America on Saturday XXXX XXXX I went in to banking center to close my account as well the bank gave me the money back then they took it back stating it 's not fraud I have a police report to prove it 's fraud which I fax to the bank bank of America is not trying to help me at all I 'm being treated like the criminal instead of the victim since banking with bank of America I have been a victim of fraud on several occasions my information has been stolen in the past from using public library computers please help me I will mail you the police report
Product: Debt collection

Have no idea why these people are calling me -- they are apparently trying to collect a date incurred in the State of Kansas. I have never lived nor worked in that state, nor have I ever even been there. They are obviously seeking the wrong person who unfortunately has an name like mine. The phone calls are robocalls, not a real person. They call constantly, during the week, in the evening and on weekends.
Product: Debt collection

On XX/XX/2018 I received a letter from XXXX XXXX XXXX , XXXX  offering a payment plan for a debt that I have received no prior communications or opportunities to dispute.
Product: Checking or savings account

A direct deposit was sent to my account on XX/XX/2023, my bank refuses to deposit it in my account. They said they received it, but wont give me a reason why they wont put it in my account even tho my account is in good standing. I have a trace/tracking number for the deposit as its from the family support pay ( Missouri child support ) and the bank still wont give me the deposit. The deposit of over {$2700.00}!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX a natuural person, I am a living human being, I have rights under 15 usc 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXXXXXX XXXX The XXXX In Company
Product: Credit reporting or other personal consumer reports

I was contacted by PayPal XXXX XXXX and asked if I was interested in a loan. I explained to them that I was NOT interested and that everything was fine. They asked to just " give some numbers '' and I said I don't want my credit pulled because I don't want a " hard inquiry '' to affect my score. The person assured me that was not the case and that they just wanted to " give me numbers '' and " it wouldn't affect my credit score. '' He said they had options for {$15000.00} to {$50000.00} and I said whatever, email me something and I will look it over but I was not interested in a loan. I DON'T NEED A LOAN! I got another call on XX/XX/year>, and was told that they had some numbers and needed me to verify the last XXXX digits of my social and date of birth to ensure it was me they were talking to. Again, I informed them that I was NOT interested in a loan really and would probably just ignore what they send me. He said they could get me {$15000.00} for {$330.00} a week with a fee that took the total cost of the loan to {$17000.00}. I again said I wasn't interested. Today, XX/XX/year>, I received a notice from PayPal XXXX XXXX that they reached out to XXXX and the document indicated my credit score on it. I NEVER AUTHORIZED THIS and I want someone held accountable. When I tried to call the person who contacted me, it went to voicemail. Running my credit report without authorization is illegal.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) st
ates that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Checking or savings account

I paid a bank for overdraft fees then shut down the account back in 2019. They sent it off to Chexsystems as paid but its still reporting on my consumer report. 


XX/XX/2019 XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX PAID IN FULL
Product: Debt collection

I called and paid a settlement, they are now saying I did not pay and on my credit report it is a hard inquiry plus I keep getting missed payments from it on my report as well, I paid XXXX and have a receipt saying paid settlement in full. Date was XX/XX/20
Product: Mortgage

I recently refinanced my home with XXXX XXXX XXXX Bank. Myold financial institution is Freedom Mortgage. During the process, mycounty received a payment for property taxes for the XXXX installmentdue this year between XXXX 2015 and XXXX 2015 from both institutions. 
The county stated that the payment from XXXX XXXX XXXX Bankwas received first. So because of this, the county stated on the phonethat they were sending the other payment back. Freedom mortgage usesa third party, XXXX, to take ownership of mortgage responsibilities. Ihave called XXXX almost every week since XXXX 2015 to get myamount of property tax payment refunded to me. They have stated thatthey have been waiting for the county to send it back to them so they cansend it to me. XXXX has already established it is owed to me. Ispoke to XXXX, ID # XXXX, a supervisor from XXXX in customercustomer service in mid XXXX 2015 with a representative from thecounty, XXXX, on the phone. She witnessed them tell me that the countyhas already sent the amount of {$1400.00} approximately back toXXXX. As of XXXX XXXX, 2015, XXXX claims that they still have notreceived it and that they would forward the concern. I have constantlycalled them for my refund and they continue to promise that some onefrom XXXX XXXX would get back to me about this matter.
Product: Student loan

I cosigned a loan for my cousin. The loan amount was approved for {$5000.00}. After he left school some how the loan was approved to {$7000.00} of which he didnt receive. The money was sent to the school according to XXXX XXXX who sold the account to navient. They say i have to contact the school, which has since closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair Credit Reporting Act XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C s 1692b-4 : not communicate by post card ; 15 U.S.C s 1692b-1 : identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer 15 U.S.C s 1692b-2 : not state that such consumer owes any debt ;
Product: Credit reporting or other personal consumer reports

I am writing to dispute the adverse action taken in my credit report and to request that you review the accounts through which I have extended credit. I believe there may be a misunderstanding about my rights and the laws governing credit transactions. As an original cardholder and holder in due course, I am exercising my right to initiate a consumer credit transaction with your company. 

In accordance with federal law, particularly 15 USC 1602, a credit card encompasses any device used to obtain credit, which I have been granted by your corporation. I am fully aware of my rights as a consumer, and credit is a right afforded to me by a creditor, as per 15 USC 1602 ( f ). Reporting to a consumer reporting agency is voluntary, as stipulated by the Consumer Financial Protection Bureau ( CFPB ). I have not derived any benefit from the use of my credit. In fact, the denial of my right to extend credit has caused me both mental and financial distress. There are no federal laws that state a credit score can deny me my right to extend credit, yet the company appears to be overly concerned about my credit score. 

I would like to address the issue of discrimination against an applicant, as such a practice in a credit transaction is deemed unlawful under 15 USC 1691 ( a ). I kindly request that your company reevaluates this matter and ensures compliance with federal laws. It is imperative that you open the accounts through which I have extended credit and rectify the adverse action taken in my credit report.

I take my consumer report and credit-related matters very seriously, and I sincerely hope that this matter can be resolved promptly and amicably. Failing to address this dispute properly may necessitate further legal action. 

I appreciate your immediate attention to this matter. I kindly request a timely response and a resolution to this issue. 

Sincerely, By : XXXX : XXXX XXXX / XXXX / XXXX XXXX XXXX 
For : XXXX XXXX XXXX / XXXX ( WITHOUT RECOURSE ALL RIGHTS RESERVED ) 12 U.S Code 192 12 USC 411 UCC 3-419 UCC 1-308 HJR-192
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX and my XXXX   account name is XXXX with the username XXXX XXXX. On XX/XX/XXXX I made several XXXX   transaction both for XXXX XXXX One of the XXXX $ transactions was sent back to my XXXX account then I requested to send it to my bank account upon doing that I received a estimation date of XX/XX/XXXX that I should have the funds in my bank account t that was not the case my XXXX account was frozen and an investigation began. After the determination of the investigation it was determined that I am permanently banned from XXXX   and my account is deactivated. Which to me is not the problem I am fine with that but they have XXXX $ of my own money in my XXXX account still on hold for up to 180 days which I can not afford to live without that money for that duration of time also I can only communicate through email response and with that the agent states that she can not assist me in this situation so know Im in a situation where I do not have my XXXX $ that me and XXXX know is rightfully mine and no time frame or assistance to when Im getting my funds back. Please help me with this situation is is very stressful and I would just like my money back so I can be done with them thank you.