23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I called for the first time to request a refund of payments in the amount of {$9900.00}. 
XXXX and was confirmed by the customer service representative that the refund would process in XXXX weeks. 

I have been waiting and have had no updates other than being told on XXXX more occasions when calling on XX/XX/XXXX and XX/XX/XXXX that my balance would update within XXXX weeks still. 

This has been incredibly frustrating and tomorrow makes XXXX weeks, with no balance update and no confirmation of any movement of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report today and noticed that I had three hard inquiries on my XXXX credit report in the year of XX/XX/XXXX. These 3 hard inquiries took place on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all made by CBNA. I only have one secured credit card and was applied for well before these dates. It is hard to believe I had two hard credit checks within two days and one in XXXX without my consent or knowledge. This blemish on my credit report has negatively impacted my credit score and my life.
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.

XXXX XXXX Bank XXXX I looked at my Experian credit report on XX/XX/year> and notice some things are incomplete and not accurate. And 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 according to XXXX USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Checking or savings account

I hired a XXXX ( known to me for about 15 years ) to remodel my bathroom. After halfway through, the XXXX asked for a payment of {$3000.00}. I wrote check # XXXX, to an employee of the company, for {$3000.00}. The employee deposited the check, through the ATM at SunTrust Bank. Unbeknownst to me, I had written another check, with the same check number, back in XXXX, 2020 ( I have 2 identical sets of checks, that are at least 15 years old. One with my address correct and XXXX incorrect ). Someone from the Fraud dept. at my financial institution called me and asked me if I had written the check. I told them yes, and they put the check through. In the meantime, my contractor told me that SunTrust had closed the account, and said SunTrust did not accept the check. I then paid the contractor {$3000.00} thinking the check would be sent back to my institution. The {$3000.00} check cleared my account on XX/XX/2020. After many phone calls to SunTrust bank, with the employee, part of the conversation, SunTrust said they did not have the money, that it was probably in limbo. I finally made an appt to talk with SunTrust bank, in person, along with the contractor, and the employee I wrote the check to. The contractor, the employee, and myself, had a personal meeting with SunTrust on XX/XX/2020, at XXXX. We all spoke with an employee. Then SunTrust asked me to sit in the lobby while they talked to the contractor and the employee. I was then called to the Manager 's office. He said I wrote a fraudulent check. I told him I did not, that my financial institution accepted the check and put it through for payment to the original personal I had written the check to. The manager also said, if he believed I wrote a fraudulent check, I would not be here sitting with him. He said the money would be available to the person the check was written, in about 2 weeks. It's now XX/XX/2020, and my contractor still does not have his {$3000.00}. I called my financial institution today, and they obtained documentation that SunTrust has the {$3000.00}. I do have an appt on XX/XX/2020, at XXXX, at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, that includes the contractor, the employee, and myself. I am hoping that this will be involved, but it seems like no matter what I do, SunTrust is going to keep my contractor 's money, that is rightfully owed. My financial institution gave me the routing number showing the money accepted by SunTrust. Can you help either by getting the {$3000.00} back to me, so that I can pay my contractor, or give the contractor the {$3000.00}.
Product: Debt collection

Received phone call from ( XXXX ) XXXX. Did not answer call. Robo voice left message from Ford Credit to call a different number XXXX. See attachment. I blocked the XXXX phone number after this happened a few days in a row. Then I started getting text messages for the same thing but the text had different number to call XXXX. So I looked up Ford Credit online and called XXXX to ask about this and they said my phone number isnt in their system. They said this sounded like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a fourth Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and seventh a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent seven letters asking for a correction to my credit report.

To date, I have had to dispute incorrect auto collection along with inquiries that are not mine seven times. To date, I have not received a response from any of the credit bureaus on the inquires, or the confirmation of the removal/deletion of the auto collection even with the extensive supporting evidence discrepancies found on my credit report from all three credit bureaus. 

The auto collection : XXXX. XXXX XXXX  with account number XXXX for the original creditor " XXXX XXXX XXXX, XXXX '' for the initial amount of {$30000.00}. This auto-collection has not been removed/deleted even with the extensive evidence. I have attached supporting evidence to show this auto collection is not mine with discrepancies. 
The inquiries 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 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: Credit card

I am an American Express XXXX cardholder. I used the travel booking benefits available to cardmembers on XX/XX/XXXX and attempted to book air travel online using their website. Their website allowed me to select the flight and go through the booking process, but when I attempted to book, I received an " internal server error. '' I called after several attempts to book online. 

The agent saw a price for my flight that was several XXXX dollars more. He told me he could only honor the price he saw. I attempted to book again via website and still seeing the same, lower price I had been offered before, I was unable to complete the booking and received the same internal server error message. 

I had to book at the higher price. I filed a complaint with American Express to investigate the issue. They contacted me today to tell me that there was no server issue ( despite my having a screenshot of the issue ) and that they can not honor the price on the website because the inventory is " live. '' I offered to send them the screenshot to show that there was an error, and I was declined.
Product: Debt collection

I had no idea my debt from pudget sound collections for {$780.00} I never receive any notices about this debt.
Product: Credit card or prepaid card

The following claims are UNFOUNDED and as so are ILLEGALLY REPORTING so ERADICATE them each and all RIGHT NOW! 

CREDITOR # XXXXWells Fargo : ACCOUNT # XXXX ALLEGED : XXXX Wells Fargo fraud gently opened a credit card account on XX/XX/2022 after previously closing the account on XX/XX/2022 with a XXXX balance. Wells Fargo has sense then added a balance/charges with on going interest. Which were not paid causing Wells Fargo to inaccurately report XXXX late payments to my credit, causing my credit score to be negatively impacted. During this entire inaccurate reporting I attempted to obtain a mortgage loan which was negatively impacted as well. Wells Fargo 's wrongful doing 's caused me to lose my mortgage loan and earnest money ; along with many other financial burdens.
Product: Credit reporting or other personal consumer reports

I submitted the following complaint to Experian XX/XX/24 : I have pulled my consumer report and see that there's a collection account on my consumer report. I do not recognize this creditor. According the FCRA under 15 U.S. Code 1681b - Permissible purposes of consumer reports. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A creditor needs my written consent to add anything to my consumer report, if I did not give this authorization that is a violation of the Fair Credit Reporting Act I have not given any verbal or written authorization for this reporting. The claimed original lender on the reporting says " XXXX XXXX ''. I do not owe XXXX XXXX as I have a official court ruling stating there's no balance owed to this original creditor. Where is the information coming from?
Product: Debt collection

I am writing to address a concern regarding the reporting of accounts on my credit file, specifically, XXXX XXXX XXXX XXXX XXXX XXXX  has already updated the status and removed the late dates of these accounts from their records. There was an error present, and they were able to find it. I am confused about how your bureau has verified this information while the other bureaus have successfully updated the status and removed the late dates. This inconsistency is not only inconvenient but also a matter of concern. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX ( original creditor : XXXX XXXX XXXX ) account # XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX ) with account # 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 : It 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

Hello! I appreciate the immediate response of the XXXX and XXXX for removing the previous fraudulent inquiries and I am very thankful for that, though as of my recent check in my credit reports, there were these new inquiries that I have no knowledge about. So, today in this complaint I request from XXXX, XXXX and Equifax Bureaus to again block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 Credit Bureaus are obliged to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Also, the data you provided on some of these inquiries were UNKNOWN to me and were already REMOVED from other bureaus and so I have doubt about the accuracy of some of these inquiries that are still reporting in my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is to inform you if you do not BLOCK and REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to demand immediate action to address the inaccurate, damaging, and negligent reporting related to two XXXX XXXX accounts and a lawsuit filed against me that has since been dismissed for want of prosecution ( DWOP ). Despite my efforts over the past three years to provide evidence of identity theft, neither XXXX XXXX nor the credit bureaus ( XXXX, Equifax, and XXXX ) have taken appropriate steps to resolve this matter. 

Here are the critical facts of this issue : 1. Identity Theft and Disputed Accounts : I was a victim of identity, a time during which two XXXX XXXX accounts in good standing were fraudulently used. 
I provided police reports and a Federal Trade Commission ( FTC ) Identity Theft Report to XXXX XXXX and the credit bureaus, documenting this crime and disputing the debts. 
Despite clear evidence that these debts were not mine, XXXX XXXX refused to acknowledge the theft or resolve the accounts appropriately. 
2. Lawsuit Filed and Dismissed : XXXX XXXX XXXX XXXX  pursued legal action against me in 2024, despite the ongoing identity theft dispute and my inability to pay for debts that were not mine. 
On XX/XX/year>, the court dismissed the case for want of prosecution ( DWOP ), with no judgment entered against me. This dismissal further supports my position that this debt is invalid and should not have been pursued in the first place. 
3. Credit Reporting Negligence : Despite the dismissal and my repeated disputes, all three credit bureaus continue to report inaccurate and derogatory information related to these accounts and lawsuit. 
The excuse provided by XXXXthat the lawsuit was filed and therefore can not be removedis baseless given that the case was dismissed, and the accounts were the result of identity theft. 
The continued failure to address this issue violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair credit reporting. 

This negligence has severely impacted my credit standing and financial stability for years. The prolonged failure to remove fraudulent accounts and the erroneous lawsuit from my credit file has caused undue hardship, limiting my ability to rebuild after the closure of my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Lexis Nexis, They are reporting that the alleged bankruptcy listed on my file is reporting accurately. According to the Court house, the original creditor they never verified with Lexis Nexis this information.

I want Lexis Nexis to Provide their method of verification, on how they verified that this bankruptcy was reporting MAXIMUM POSSIBLE ACCURACY under the FCRA 15 U.S.C section 1681 et seq
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I am being hit with a hard inquiry from XXXX. 
This was fraud as I did not apply for one from them.

I was told this inquiry would be removed and still hasn't XXXX  and XXXX were also gon na remove it but still have yet to do so.
Product: Consumer Loan

In 2012 XXXX installed a security system that never worked properly. It was " repaired '' and failed again a day later. After many calls, we cancelled their service for non performance. They were sent certified letters detailing the issues and explaining that we would not pay for something that did not work. 
They have now sent this to a XXXX or XXXX collections company and I have to explain the issues repeatedly. Now USI solutions is calling and sending letters after about 2 years of no contact at all. Their rep is very aggressive and nasty even after I explained the problems with the XXXX. 
USI Solutions XXXX, PA XXXX XXXX XXXX
Product: Mortgage

I would like to know where I can go to get help with Wells Fargo Home Mortgage. I was wrongfully foreclosed upon in XX/XX/2013, I believe I am part of the group of home owners that Wells Fargo foreclosed upon due to a computer glitch. I believe my account was reported incorrectly and would like some guidance.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS. I NEVER USED THEM TO RUN MY CREDIT. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Student loan

Naviant failed to adequately inform me when successfully enrolled in an income-driven repayment plan of critical deadlines or the consequences. They also didnt make me aware of the dates in which i had to reapply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act American Credit Acceptance, XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX account, issued by XXXXXXXX XXXX XXXX and ending in XXXX, on my credit report. Despite my previous communication with XXXX and their response ( enclosed ), I believe the reporting of this account contains several inaccuracies that have not been addressed appropriately. 

Inaccuracies Noted : Inconsistent Reporting Dates : The account 's date of last activity, charge-off date, and other key data points vary across the major credit bureaus. XXXX alleges the last activity date as XX/XX/XXXX, with a charge-off on XX/XX/XXXX, yet my credit report reflects conflicting information, which has negatively impacted my credit score. 

Balance Discrepancy : While XXXX claims the balance owed is {$620.00}, there are inconsistencies in how this amount is reported across different credit bureaus. For example, the balance listed on Equifax is {$240.00}, while XXXX and XXXX reflect the higher amount. This discrepancy violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2, which mandates accurate and consistent reporting. 

Failure to Investigate the Claim Thoroughly : Despite XXXX investigation, they failed to properly validate the inconsistent reporting of the account, including incorrect balance and last activity information. Additionally, their failure to provide adequate documentation supporting these figures raises questions about the legitimacy of the reporting.
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. I'm not convinced that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on TOYOTA MOTOR CREDIT. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate.