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

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, Experian, and XXXX is govern by 15 USC 1681. And they have violated my rights numerous times! I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give them permission to furnish these accounts. 
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC section 604A section2 it also states a consumer reporting agency can not a account without my written instructions. I also sent each XXXX and investigation letter to verify everything on my consumer report was 100 % accurate if not to delete the account and they did not do it. 

I also sent a second letter letting them know that they did not a proper investigation to verify everything was XXXX percent accurate and showed them proof they are now willfully violating the fcra keeping inaccurate information on my consumer report I want it deleted
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX mortgage account, reported by TransUnion. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute.

Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : TransUnion and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my credit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.

Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.

Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.

Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I have an auto loan with Bank of the West. In order to pay extra on my principal, I obtained envelopes from them that are addressed " BANK OF THE WEST, LOAN SERVICING-PRINCIPAL PAYMENT ''. On several occasions, my additional payment for principal only has had interest charged on it. They always correct it, when I contact them. However, I believe this is a practice of theirs, in which they do n't expect the borrower to catch them. I have made approximately 15 extra payments since I obtained the loan a year ago. Of those 15, about 8 have had interest charged.
Product: Credit card or prepaid card

I lost my Loews and XXXX store card and some one used the card with out my authorization. I provided them with my time sheet approved showing I was at work during those charges at the time and they say that I was the one to make those charges when I reported the card stolen and I should be {$0.00} liability for fraudulent charges.
Product: Debt collection

I received a notification that a collection was added to my credit report, I login and see a collection from this company for {$4300.00}. I have no idea who this company is or what it's for as I have not received any communication from them nor a notice of right to dispute. 
It also states that this will not fall off until XX/XX/2025 which would imply with in the last year I did something that would cause me to incur a bill, That is 100 % false as I know for a fact I have not. 

The fair credit report requires you to send your rights to dispute, it also requires the information you report to be 100 % accurate and true ; it also must not be reaged! Nor do I have any type of contract with this company.
Product: Debt collection

I had a XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and Portfolio Recovery picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. PRA continues to report that the DoFD is anywhere from 2015 to 2016 depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with zero response. I have disputed with all three credit bureaus multiple times and each time the debt comes back validated. It is now past the seven year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from XXXX with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even one payment was made as they are claiming or I want it removed and I have had zero help from the CRAs with having this line removed from their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i never goy cards from any of these us bank has 5 inquirys on here and i have one card that i gor from them in that XXXX XXXX has no cards i received from them in that time frame XXXX XXXX got 2 inqurys and yet no cards from them XXXX  no cards in this time frame do i have to file reports on all these and get them corrected because i will my next step
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting or other personal consumer reports

As of a recent date, I noticed this account/collection on my credit I have no knowledge of, as well as inaccurate addresses and names on my report. I would like the following removed/corrected The correct name for my account should be " XXXX XXXX XXXX '' and the correct address should be " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Please delete any outdated or incorrect names and addresses associated with my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Amount- {$8600.00} XXXX XXXXXX/XX/XXXX Inaccurate Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  {$4300.00} XXXX XXXX XXXXXX/XX/XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inaccurate Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX # XXXX ) Balance- {$8600.00} Inaccurate Names Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> i contacted my bank and submitted a claim XX/XX/XXXX i sent {$200.00} to a person who was supposed to take over the remainder of my lease contract. with the {$200.00}, it covered the application fee however the person never finished with the application process and refused to send me my money back. the money was sent through XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Debt Validation Account Number : XXXX Dear NATIONAL CREDIT SYSTEM, I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ).

It has come to my attention that you have reported an account to the credit agencies that appears on my XXXX report. I am disputing this debt as I believe there has been a violation of consumer protection laws. 
In accordance with 15 USC 1681b ( e ), I request the following : 1. The original signed contract : A copy of the original signed contract that verifies my agreement to the debt in question, including my wet signature.

2. Assignment of Debt : A clear documentation of the assignment of this debt from the original creditor to your agency.

3. Proof of proper reporting : Evidence that you are legally able to collect this debt.

Please be advised that under 15 USC 1692c, you are prohibited from communicating with me in any way until you have validated the debt as requested.

If I do not receive validation of this debt within 30 days, I require that you cease all collection efforts and remove any negative reporting regarding this matter from all credit reporting agencies, including XXXX, XXXX, and XXXX. 
Please send all correspondence regarding this matter to my address listed above. I look forward to your prompt response so we can resolve this matter swiftly. 
Thank you for your attention to this serious issue.
Product: Vehicle loan or lease

On XX/XX/XXXX my auto loan was refinanced and paid off I signed documents XX/XX/XXXX. This auto loan was XXXX from navy federal starting on XX/XX/XXXX. It should not be reporting a late payment if I paid off account in same month they reporting late I will upload documentation to prove it. Also XXXX has my refinanced loan, under unsecured loan instead of auto loan which is inaccurate
Product: Bank account or service

Without any notice to me, Wells Fargo took my payroll check for {$1200.00}. They list it as a PCM Offset. When I went to speak with a Wells Fargo banker about it, he said he could not talk to me about it. 
In XXXX, I was working as a XXXX. It was decided that I would get a separate checking account from my wife. As I was out of town working, she went to XXXX XXXX and opened the account for me. Her name was not on the checks. She did not have an ATM. She did not put money into this account, or take money from this account. It was my account alone, or so I thought. 
XX/XX/XXXX, I had an overdraft protection account with Wells Fargo. I went to transfer funds from this account and found it was closed. I went to the XXXX Wells Fargo branch and talked with the banker. He said that my wife had a loan that was overdue so they closed my overdraft account. I asked about her loan and he said that he could not tell me about it as my name was not on the loan. I asked why they had closed my account and he said that her name was on this checking account. I told him that was wrong, this was my account alone. He said since she originally started the paperwork on this account, her name was on the account. I asked him to remover her name, he said that I could not do that, she had to. I talked with my wife and she went to Wells Fargo to have her name removed. I paid the money I owed on the overdraft account. 
On XX/XX/XXXX, I received my payroll check for {$1200.00}. On XX/XX/XXXX I logged into my online Wells Fargo account to pay bills. It showed that {$1200.00} was withdrawn from my account showing " PCM offset ''. I went to the Wells Fargo branch to ascertain what had occurred. The banker told me that he could not tell me, but alluded that it had to do with my wife being on my account. I told him that she had been removed from the account XX/XX/XXXX. He said that, no she was still listed on the account. I went and picked up my wife and we returned. I was told that she had an account that was in arrears and they had taken my payroll check. My wife showed that she was paying on this account that was in arrears. She had made a payment on XX/XX/XXXX. He said that there was nothing he could do. 
On XX/XX/XXXX, this banker said that he tried to get the money refunded but they refused. 
I have had this account since XX/XX/XXXX. I pay all my bills with Wells Fargo and other creditors. Had I known this money was owed, I would have worked to correct the problem. I strongly resent that they arbitrarily seized my payroll check. 
I would like this money refunded to me. I have bills of my own that I planned to pay with this money. I never authorized this withdraw or had any knowledge of a debt. This was my account alone, regardless of what some banker had written.
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one is reporting to XXXX, XXXX, and XXXX  that I was late on my credit card ending in XXXX for XX/XX/2021. I was never late and i have attached a credit card to prove it. Please reverse the payment history into good standing and not late. it is ruining my credit worthiness to buy a home and violating my consumer rights under the fcra section 605b
Product: Checking or savings account

Bank is holding my funds without me being able to access funds Bank 's website is never working Bank never sent XXXX for XXXX  tax reporting purposes Unable to close account and transfer fund
Product: Checking or savings account

I have been a loyal customer to Chase Bank for many years and today I was a victim of security fraud and a victim of a scam that I immediately called about and told my bank what happened and they told me that they couldnt do anything because I accessed my account and initiated the payment through XXXX. I completely understand that it was a bad judgment on my end however a victim usually doesnt know they are being taken for by someone who claims they are trying to help until its too late. I stated that I was a victim of a scam and that I would like assistance with helping me get the funds I lost which is used to pay our mortgage and for our family to survive. Im not running any scam or trying to commit fraud, Im the victim! For my bank to basically tell me oh well too bad Im absolutely devastated and feel so helpless and feel like I have no support from the company I have trusted for so long. Im already broken and sick from the fact this happened to me, to have the company I look to for trust turn their back just feels like another dagger in my chest.
Product: Debt collection

RISE is reporting on my credit report in the amount of {$0.00} for account number XXXX. Its stopping me from obtaining credit in my name. This is a fraudulent account. 

* There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX credit reporting service refuses to grade Nor make changes to increase my credit report. .grade the report .information has been provided to these companies were is government officials these companies are doing whatever they want. for entire year l l have complained regarding my credit report scores rating. Places on going disputes that last for year. noting ever changes.? Companies don't have anything to do with the grade nor scores. l have paid. Credit specialist. Notice shortly items were removed. replace back on my credit report. I have complaint about Company name ( XXXX XXXX XXXX ) running disputing lasted overs 120 days CFBP.

I was ask to provide additional information to assist help my dispute claim. ll sent a copy of original owner shown on both are credit reports. Im co-signer on the account. XXXX XXXX credit report grade was showing correct in month XX/XX/year>. Due me placing dispute l provided copies of XXXX XXXX credit report CFPB amp complaint.. No late payment payments paid on time TransUnion XXXX XXXX made changes to his. Report XXXX firemen credit reports to prevent me from receiving the increased changes on my credit scores Shown on the .month of XXXX both are credit reports. Is now readin negitive .then positive .Not fair so that means the Information I sent into assist me with my claim was used against me on my dispute. Credit bureau devices reads. Different than what these credit report is sayin what purpose of credit report. No justice l have to provide letters fro companies to establish credit which it's not fair reads. Different from what shown by credit reporting. .XXXX XXXXXXXX XXXX  report whom retired XXXX yrs veteran XXXX XXXX XXXX XXXX. The government official attorneys going to assist him with his credit report I pray change done quickly
Product: Checking or savings account

On XX/XX/XXXX a company deposited XXXX ( money order ) this was on a thursday afternoon. Friday XXXX there was XXXX in XXXX purchases from my account then friday afternoon the money order or aka deposit was taken back. After all was said and done there was a negative balance of ( XXXX ). I tried to call the bank after XXXX and was on hold for over 3 hours. I finally got someone on the line and he said i would have to go to the bank and talk to a banker. Sat XXXX there is only one Bank of the West open. I went there sat XXXX   and spoke with XXXX and was informed that there was a breach in the mobile/online banking. I was then informed that it would be 10 to 30 days to investigate what happened. It has been 28 days now and they are not refunding me the money. I see on several sites that if you go in 2 business days or less i would be responsible for XXXX not XXXX. This deposit should never even been ok 'd for use. I need this money back as now i basically went to work for XXXX for free and still have bills due. i have the copy of the statement, i have a copy of the money order that was deposited. Please advise what else i am supposed to do to retrieve my funds. When i banked at XXXX XXXX XXXX XXXX   they would have held that deposit for 5 days before the funds would have been available.