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

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed that my personal information is incorrect. This is my second time writing you to update my personal information, Please see attached information that need to be updated.
Product: Credit reporting or other personal consumer reports

Rent Recovery 's response fails to address the core issues raised in my CFPB complaint XXXX. Any validated documents should have been provided directly through the CFPB portal, as that is where the complaint was submitted. You do not have my permission to send correspondence via mail, as I have ceased communication with your company outside of verifying your violations of the FCRA and FDCPA. 

Additionally, you have once again failed to explain or justify the clear inconsistencies in the reporting of this account. You have also failed to provide proof of your license to collect debt in the state of Texas. The account reflects significant discrepancies, including conflicting balances and varying " date last active '' reports across bureaus, which directly impact its accuracy. I have also included an updated screenshot of this account which shows that this account was once again re-aged from the last time I sent a screenshot of this same account. These violations must be addressed immediately, and I demand the removal of this account from my credit report. A true bill is attached. Remit payment to the address listed on the invoice to avoid legal action due to your negligence and repeated FDCPA violations.
Product: Debt collection

Originally several months ago got a threatening call from an aggressive person on a phone call threatening to garnish wages. They were trying to get the debt paid over the phone but I didn't comply and asked to speak to a manager who they patched me through to. I explained that I have no loans they tried to tell me that it was a tough time for everyone and people got desperate and took out loans over the phone. I told them I didn't have any debt and I monitor my credit reports regularly and this has not shown up at all so not sure what they are talking about. I told them that I will fight this issue in court and they would not get a cent from me. They provided me with my full social security number as proof which knowing about the breach just thought it was a scam. 
I recently got a letter in the mail dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX saying the debt was from Boost Finance with an account number the debt was purchased by XXXX XXXX XXXX which is now the creditor to whom the debt is owed. As of XX/XX/XXXXXXXX  in the amount of {$410.00}. I have up to XX/XX/XXXXXXXX  to dispute by mail or call or the debt becomes assumed as correct. There is an additional reference number of XXXX with a pin number. 
I have called them. told them that I don't have any debt as I'm am financial stable and would not have needed a loan so didn't now what they are talking about. They told me they were sending me proof of debt documentation to my email account that they had of which didn't match any email I owned. They wanted me to provide them with a correct email and I refused so they are mailing me the information they have on file.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX  the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Contacted Pro Collect to fix incorrect reporting to my credit report. I sent a letter showing evidence and proof debt was paid and its still reporting inaccurately. Letter was sent on XX/XX/XXXX. This still reports not paid with the bureaus and reports incorrect dates. I called on XX/XX/XXXX with my acting agent to try to just reason with them and bring the issue to their attention and they refused to speak with me. This debt was paid on XX/XX/XXXX. from that date to present this incorrect reporting has caused me grievance and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 15 U.S.C 1681 Section 602 A, States I have a 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 consent. Federal Law overrides any company policy. Please block and delete the following accounts from my profile : DEP OF ED/XXXX {$57000.00}
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 XXXX XXXX # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX-XXXX XXXX # XXXX Account Name : XXXX & XXXX XXXX XXXX XXXX Account Name  : XXXX. XXXX, XXXX # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # 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

I am writing to express my extreme dissatisfaction with Wells Fargo 's handling of my paid collection/charge off account. Despite multiple attempts through credit bureaus and collection agencies, validation remains unaddressed, violating the Fair Credit Reporting Act ( FCRA ). 

This lack of response and failure to conduct reasonable procedures on these accounts is unacceptable. Immediate action is expected to rectify these violations and ensure accurate reporting on my credit profile. 

Address this matter urgently to avoid further action.
Product: Student loan

I had trouble for the past several years in paying my loan due to stage XXXX XXXX. I recently went back to work and began to repay. I asked for a new payment plan and booklet which I received. 

I have been paying the amount due ( XXXX ) on the payment coupons. I keep getting reminders that I am delinquent and I owe more. After Paying in XXXX, I got a note that I still owed {$140.00}. while I paid with the payment stub, I was not sure why I am getting this other payment. I sent the payment along with a letter asking for an accounting of what was going on and why I am being asked for multiple payments. I did not get a reply. 

It is very difficult to juggle these payments with medical bills. After making another payment in XXXX ( XX/XX/19 ) of {$200.00} on my account using the payment stub amount of {$170.00} ( asking that the overage go to principal ), I just got another letter saying I was again delinquent. I am very upset and angry with this system. They never respond to my letters. I hope you can get an advocate to help with this. I want to pay my bills, but I can not pay if they keep changing the goal post. This also makes me question if I am getting credit for the money I am sending. I have the information on my bank statement verifying payment was cashed by Navient.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. After using Zelle various times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was unavailable and that tracking these transactions was unfeasible. The CFPB 's findings show that Zelle has neglected to protect consumers.
Product: Credit card or prepaid card

I purchased a new washer and dryer from XXXX. It was delivered damaged so I refused it and they did not show up twice for the rescheduled delivery so I cancelled the order. XXXX processed only a partial refund however. The order total was {$2500.00}. They processed two refunds. One for {$2000.00} and one for {$360.00}, leaving me with a balance of {$170.00}. I filed a dispute with Synchrony for the {$170.00}. They denied the dispute based on information from XXXX stating the items had been picked up. The information they provided showed my receipt as well as a screen print from their system showing picked up items. However, the screenshot was of someone elses order and the items in the screenshot do not match those on my receipt. I notified Synchrony of this as well as provided screenshots of the XXXX website showing the items had not been picked up. And their response was to congratulate me that XXXX 's had already credited me the {$2300.00} and my dispute was approved. However, this still left me with the balance of {$170.00}. So my dispute was not resolved. I contacted Synchrony by phone today t ask them to resolve and their response was they would open another dispute and see what XXXX has to say. This is unacceptable.
Product: Debt collection

XXXX XXXX XXXX reporting that an account in collection on my credit report stating that I a debt in the amount of {$590.00}, dated XX/XX/2023. Sent company a letter opting out of reporting on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing Transunions reporting, on the XXXX XXXX XXXX ( and XXXX  XXXX XXXX ) tradeline. My loan number XXXX. I am disputing these two points, resulting in a lowered credit score : 1. The XXXX XXXX XXXX account was closed by the lender, in XXXX, transferred to XXXX XXXX XXXX, and should not have been reported as open in XXXX. Therefore, the fact that it was closed in XXXX should not affect my credit score. 

2. The XXXX XXXX XXXX Account was paid off in forbearance and, under the CARES Act, should not have had any payment status reported, also affecting my credit score. 


On XX/XX/XXXX, due to COVID-19, I was granted a mortgage forbearance. On XX/XX/XXXX, my forbearance was extended. It was subsequently extended on XX/XX/XXXX and was scheduled to end in XX/XX/XXXX. 

On XX/XX/XXXX I paid off the balance of the mortgage, during the forbearance period. I received a copy of the lien release on XX/XX/XXXX. 

On XX/XX/XXXX, I received an alert from XXXX XXXX that my credit score decreased. I opened the credit report on the application and saw that Transunion reported that my score dropped 86 points. I investigated further and saw that XXXX XXXX XXXX and XXXX XXXX XXXX accounts were reported as closed. The XXXX XXXX XXXX account was marked as over 120 days late as the worst payment status. 

On XX/XX/XXXX I called XXXX XXXX XXXX to file a dispute. On XX/XX/XXXX I filed an online dispute with Transunion. I saw the dispute status as pending on Transunions online website. There were no details of the dispute, so I could not see what I previously wrote. 

On XX/XX/XXXX I received a call from a XXXX XXXX XXXX representative who states they did not report my payment history as over 120 days late to Transunion. He states, if that was the case, all 3 credit bureaus would be notified. Currently, XXXX and XXXX  are not reporting my payment status as over 120 days late. I concluded the error was with Transunion. 

On XX/XX/XXXX I checked the status of the online dispute on Transunions website. There was no record of the dispute I previously filed. I called Transunion and spoke with a representative. She did not seem to understand what my dispute was about, even though she had a record of the dispute. I had to find the information, in XXXX XXXX, all over again, and inform her why I disputed Transunions reporting. She then informs me that, on her records, it appears my dispute was about the reporting of the payoff of the XXXX XXXX XXXX account. 

I informed the Transunion representative the dispute was about the remark on the report, stating the loan was marked as 'over 120 days late '. I requested that the representative remove the remark from the credit file and informed her of the discrepancy between what XXXX XXXX XXXX  reported and what Transunion furnished on the credit report. 

Transunion is the only credit reporting agency reporting these discprepancies, therefore reducing my credit score, which is significantly different than XXXX  or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened an account with this company and they are reporting on my credit report as late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2023 {$970.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX Original creditor This bill has been paid, According to the Credit Reporting Act USC 1618 its reporting incorrect information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX , XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian po box XXXX XXXX, TX XXXX Dear sir, Today, I received two emails from your company again. One email state another report # XXXX from XXXX. Still, it contains the portion in question that I am on XXXX  for XXXX, which I have requested the clear explanation to respect a XXXX nationality. 

Next, in the second email ( XXXX ), your company asked to submit : One copy of a utility bill, bank or insurance statement, etc. As far as I understand, your company needs to verify the name, telephone number, and address, and the drivers license copy, which I submit before, must be enough to verify this information. I wonder why your company has authority to ask the XXXX nationalitys personal information. 

Since your company must have all information to write the report, you must have my information of full name, social security number, date of birth, and complete addresses of the past two years, since I read all information in your credit reports. You must have them. I wish you will not repeat same questions many times to avoid the confusion and irritation. 

Sincerely,
Product: Credit reporting

I am an authorized user on a XXXX Credit Card with my wife as the primary. Back in XX/XX/XXXX. of 2016 we made a payment of {$3000.00} on this account. It was reported and reflected correctly with XXXX and XXXX but not TransUnion. I called them to get them to show our correct balance. It turns out that TransUnion 's policy is that if an authorized user files a dispute, then they just delete the account altogether. Makes no sense and they failed to alert me to this when I called. I have tried repeatedly to get this account reinstated with TransUnion but have not been successful. They tell me that they ca n't reinstate accounts and that the creditor must do it. Again makes no sense since the creditor was n't the one who deleted the account, TransUnion deleted it. I have called XXXX XXXX4 times and they have sent me letters indicating that they are correctly reporting the account to all XXXX bureaus and that I should contact the agency directly to find out why it is not being reported correctly. I have faxed these letters in to TransUnion. Still no luck getting this account to be shown with TransUnion even though it shows correctly with XXXX and XXXX. TransUnion 's customer service has to be XXXX of the worst I have ever dealt with.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX To Whom It May Concern :. Validate Account XXXX XXXX XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account Unknown Case Number : XXXX Please investigate and delete from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX  Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 


I am writing to dispute the presence of a dismissed XXXX XXXX XXXX case on my credit report. Under the account reference This action is taken under the guidance of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

( XXXX XXXX XXXX ) was finalized on [ XX/XX/year> ] However, I have encountered a significant issue with its reporting on my credit profile. 

I have recently been informed that there is a XXXX XXXX XXXX  in the file you maintain under my Social Security XXXX. Upon ordering a copy of my credit report, I see an entry listing XXXX XXXX XXXX According to FCRA XXXX ( a ) ( XXXX ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. 

The United States XXXX XXXX DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A XXXX is public information, Again, the XXXX XXXX XXXX  DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly XXXX days to complete this investigation as per the Fair Credit Reporting Act XXXX ( a ) ( XXXX ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within XXXX  days of receipt of this certified letter will result in a small claims action against your XXXX. 

Sincerely,