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

This is a formal request, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), to update and permanently remove all inaccurate and outdated personal information from my consumer file.

Pursuant to : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports Reporting outdated or irrelevant personal information, such as old addresses, incorrect names, or inaccurate employment data, violates the requirement that only accurate and relevant information should be reported.

15 U.S. Code 1681g ( a ) Disclosure to Consumers As a consumer, I have the right to ensure the information being reported is both accurate and complete. Any failure to disclose accurate personal identifiers undermines the integrity of my consumer file.

15 U.S. Code 1681e ( b ) Maximum Possible Accuracy Your obligation to maintain reasonable procedures to ensure the maximum possible accuracy of reported information includes the accuracy of my personal information, such as my legal name, current address, date of birth, and employer.

15 U.S. Code 1681i ( c ) Statement of Dispute If you can not verify the accuracy of the personal information in my file, you must either remove the unverifiable information or include a statement of dispute, as required by law. 
I want to include the following as evidence that if this personal information continues to report inaccurately and is not removed immediately, that there are already cases that have been presented in court to show how these violations are ruled on. XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ) confirm that credit bureaus are liable for failing to maintain procedures ensuring accuracy and relevance of reported information.

My Accurate Personal Information Is as Follows : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current Employer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX AL XXXX My Requested Actions : 1.Delete and Remove : All incorrect names, aliases, or misspellings. Any outdated or incorrect addresses. Any inaccurate dates of birth. All irrelevant or inaccurate employer information. 2.Conduct a Reasonable Reinvestigation : Verify the accuracy of the information reported and ensure only accurate, relevant, and up-to-date personal information is maintained in my file. 3.Provide Written Confirmation : Confirm, in writing, that these changes have been made. Failure to update and correct this information within 30 days of receipt of this letter will be considered a violation of the FCRA and may result in legal action. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General, if necessary, to protect my rights.

Thank you for your immediate attention to this matter. I expect confirmation of these updates promptly.
Product: Mortgage

I had a Home Equity Loan with Citizens Bank. This was paid off with about {$200.00} extra. 
I contacted Citizens and they said loan was not closed and property was still leaned. They said there would be a {$160.00} charge to record deed. They are claiming they never have been notified to close the loan. If you look at the " Principal Balance '' it is - {$200.00}. The " Total Balance '' is - {$45.00}, a difference of {$160.00}, which means they have their records mixed up. They took the {$160.00} but will not close the account, and issue a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started XXXX XXXX in XX/XX/XXXX. I called in XX/XX/XXXX to inform them I was moving, and would not need internet service at my new address, and to please terminate my account. The representative I spoke with informed me that there was an early termination fee. I provided her my credit card information to make payment and was told that was it. Months later I saw reports on my credit report from CCS that I had an account in collections for the amount of {$210.00}. I contacted XXXX who realised the mistake and that they had never actually charged me the early termination fee ( even though they took down my credit card number! ), and they acknowledged they had received my box and there had been zero activity on the account from the time I had called to terminate my service and when I was calling wondering why there was an account in collections. They acknowledged this was their error and agreed to CREDIT back all the charges to my account, and since the early termination fee never processed that I would pay that at that time. This was completed XX/XX/XXXX. I am now ( XX/XX/XXXX ) seeing this collection on my credit report. I contacted the collection agency who told me that because XXXX is reporting this as PAID in full that it can not be deleted from my credit report. EVEN THOUGH I never paid any outstanding debt in full. I paid a termination fee which they failed to process in a timely manner, and they reversed charges that should have never been charged to me in the first place. I have contacted them many times for ALMOST A YEAR regarding this and it is still not resolved. I have printouts of emails to document where they credited the account for the incorrect charges, and where I paid the termination fee after they failed to process the payment the first time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 90-120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Payday loan, title loan, or personal loan

I applied for a 0 % interest rate 24 month loan with Care Credit, a subsidiary of Synchrony Bank, at the recommendation of my doctor for a needed medical procedure. Upon completing the application, I was denied and later received a denial letter with a reason stating : " Application has risk factors that cause us to be unsure of your identity. '' I had contacted the company both by phone and email to find out additional information as to what information specifically supports this reason but have not had a response.
Product: Debt collection

I had  a walmart cred it card through synchrony bank. I was behind on payments and they sent it to  XXXX   XXXX   XXXX   XXXX  for collection. I called them on  XXXX     XXXX    2016  and made payment arrangements to pay off the balance of  XXXX  I arranged post dated payments which were made by direct debit of my checking account. I was given the impression that this would pay off the balance and that would be the end of it. I received my next statement and the balance was almost the same and I saw a late charge had been added which was more than my payment. I called   XXXX   XXXX   back for an explanation. they explained that the charges were added into the 6 month payment plan. I finished the payment plan and now  Walmart is  calling me for the remaining balance of  XXXX . They show no record of payment arrangements.No one can give me a copy of what I was told over the phone. I feel I have been scammed by   XXXX   XXXX   and Synchrony/Walmart. I have other  Synchrony ac counts and none of them have done this or offered to.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

Dovenmuehle purchased homeowners insurance on my home, at a very high price, even though they had be provided information on my current insurer, XXXX, 4 times.
Product: Checking or savings account

On XX/XX/2023 Wells Fargo allowed someone to walk into a branch in South Carolina and withdrawal money from my account without the proper identification. This is the 4th time this year. We already had to open up new accounts after the same incidents happened in XXXX after we had froze our accounts after my husband was XXXX at work, They allowed the bad guys to make several transactions after the hard hold was put in place. We opened the new accounts and were guarantied that nobody could get into our accounts without a ID and debit card. This person on the XXXX didn't have these items, I have all of them in my possession. I have never been to South Carolina. Wells Fargo has made accusations that it is a family member, this is not true,. On the XX/XX/XXXX I received a call of from a scammer claiming to be from the IRS fraud department, I knew right away that it was a scam, but I told the guy I wouldn't give any information but he could tell me what he he knew. He knew my social security number, my bank account number, how much was in each account and about my mortgage. This led me to look in my bank account to find the withdrawal they had done in person on the XXXX, This person was trying to get me to give them a security code that would have let them get into my account online, I didn't give it over. The same number tried to call me 8 times in a row. I have received a copy of the withdrawal slip and noticed that the signature used looks like mine. I do believe Wells Fargo has had a breach of some kind, this would be the only way they would know how to sign the way they did, I write the XXXX  in my name very specifically and you would have to see it to know it! I have spoken with a Senior Escalations Representative on Sunday the XXXX of XXXX and when spoken to about it being a breach that is when they accused my family and hung-up on me. The only thing they have offered is information to protect myself and excuses. I have protected myself, they didn't protect the customers information or accounts and treat the customer as the one that did wrong. There are many red flags that should have stopped this transaction and banking information from being given out!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX Acct # XXXX, Radius Global Solution Acct # 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 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I was told by Jefferson capital that I needed to pay old debt by XXXX XXXX that I would be sued and thrown into jail if I didnt pay up front fees of XXXX XXXXThe XXXX XXXX was opened XX/XX/XXXX charge off debt from 2020. Jefferson capital brought this debt XX/XX/XXXX and still reporting it late .They brought this debt as a charge off XX/XX/XXXX. Also Jefferson capital brought XXXX debt XX/XX/XXXX for {$4500.00} as a charge off they are reporting this debt as if I just opened it XXXX debt was opened XX/XX/XXXX. I defaulted on this loan in XX/XX/XXXX during XXXX because I loss my job. They havent prove I owe this debt with the original company of the contract with my signature they been calling my phone bullying me and harassment on me my job threatening to putting me in jail. If I dont pay up this very stress Im in fear of my life. I dont want to go to jail over this debt. Please help me I cant afford to loss my job or being homeless they threaten to take my home as well. They threaten to everything I owe them.
Product: Debt collection

I got a phone call from a lady from XXXX XXXX XXXX saying that I had a credit card debt from XXXX through Juniper Barklay bank and if I did n't give them authorization to take money out of my current bank account they were going to serve me with papers at my job the following day. I explained to her I did n't know what she was talking about and that I was at work and would loose my job for being on the phone could I have a number to call her back, a gentlemen then came on the line and said it was time sensitive and if I did n't cooperate now they would serve me at work and freeze all my assets and spouses bank account and start garnishing my wages. I talked him into giving me a number and tried to call them back several times after I left work with no answer. He called me back today telling me that if I did n't give him some type of account number that they would proceed and the XXXX would freeze up mine and my husbands bank accounts if I did n't cooperate and give them my information. I explained to them I was divorced in XXXX and was sure this was something my ex husband had done. I never held a job until XXXX so I cant understand how I would even be given a card. they told me they could n't send me any information about where the card was opened or who signed the original contract until I paid it off. They had me convinced that if I did n't comply with them they would serve me papers at work for court and freeze my bank account he told me he knew I had a credit card that I could pay this debt off with and I do not. He said he was looking at my credit report as we spoke on the phone. they wanted me to give them my debit card number and allow them to take {$1000.00} out of my account tomorrow. I hadnt ' even had XXXX hours notice of even trying to fix this and they had me in tears at my job. He wanted me not to pay my house payment but pay him over the phone. They called my work XXXX days in a row. They started off wanting {$3000.00} then backed it {$1000.00} now he wants {$500.00} by Monday XXXX XXXX or they are gon na pursue taking me court. I do n't even know if this is legitimate and they wont ' send me documentation that is until ive paid it off. It very well could be something my ex husband opened in my name but I want clarification of this. I do n't want to be harassed and threatened to the point that I cant ' do my job at work because they have used scare tactics to make me pay a debt I did n't know existed until yesterday. My husband called the XXXX and they referred us to this site.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against ChexSystems for Failure to Block and Delete Fraudulent Accounts and Inquiries Due to Identity Theft Complaint Details : I am a victim of identity theft as a result of the XXXX XXXX breach, which has led to unauthorized accounts and inquiries appearing on my ChexSystems report. Despite my formal written request to ChexSystems, under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), they have not taken action to block and delete the following fraudulent entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ChexSystems is legally required to block and delete these items upon notification of identity theft, yet their failure to act has exacerbated the harm caused by the data breach. This negligence violates my rights under the FCRA and leaves me vulnerable to further financial harm.

Resolution Requested : I request CFPBs assistance in compelling ChexSystems to : Promptly block and delete the above-listed fraudulent entries. 
Provide written confirmation of these actions. 
Ensure compliance with FCRA requirements for handling identity theft cases. 
Thank you for your prompt attention to this matter.
Product: Credit reporting 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 a late payment posted on my credit report : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payment from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I received an alert on my credit report that a company by the name of XXXX aka : Midwest Recovery stating that they had placed a loan amount of approximately {$2500.00}??!!! first of all I have never heard of either company or have taken any personal loans out for such amount. I contacted XXXX Credit Bureau since they are the ones that alerted me and it was reported to them and they agreed that there was never an inquiry made by me requesting a loan from either one of the above stated companies because when someone requests a loan on line or other there is always an inquiry. I have placed a fraud alert on my report due to this ironeous error on my credit report and have placed an investigation. This so called XXXX company is out of the country and I know alot of these companies commit fraud towards peoples credit reports thinking that someone would be so XXXX and send anyone any money that you have never requested money from. I want this company investigated and this removed off my credit report immediately! This is definetly a fraudulent matter towards me and my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 - I was alerted through XXXX XXXX that AWA collections added a derogatory account. Upon further investigation- this account was sold and transferred. A bill without a written signature does NOT validate a debt. Per FCRA, AWA violated my rights.
Product: Credit card or prepaid card

This letter is to dispute a Atm error on my account in the amount of {$740.00}. The amount is inaccurate because the ATM didnt dispense any funds. The transaction is ATM Withdrawal ( Transaction ID : XXXX ) XXXX/XXXX/17 is the date of the transaction. The amount is {$740.00}. I requested {$740.00} but didnt receive any cash. Please correct this ATM error as soon as possible.
Product: Debt collection

This company, XXXX along with attorney XXXX XXXX XXXX has sued me and received a judgment ( XXXX XXXX XXXX county ND ) XX/XX/XXXX. I was never served and then XX/XX/XXXX they extended the judgement again without notice to me. The clerk told me that I was served at XXXX ND. I have never lived at that address. I have lived on the XXXX since XX/XX/XXXX. No due diligence was used to find my place of employment or current address. I have never received any notice of either action. I have no idea what this is concerning and my civil right to due process has been violated by this company and attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores decreased 31 point in Transunion. When I clicked what chances it says one of my credit cards balance decreased by {$120.00}. I paid off that credit card recently. The other change it with my XXXX XXXX account. It says my balance decreased to by {$81.00}. Those are the only changes it shows which are both positive. Im so confused and would like to speak to someone. I tried calling the credit bureau but his explanation was confusing to me. I have one account in collections but my score was still increasing regardless. If someone can please contact me. Im trying to find a place to rent so Ive been working hard on my scores. Email is XXXX XXXX
Product: Debt collection

My name is XXXX XXXX. Im a Proud American and qualified Consumer. I am being discriminated against by Portfolio Recovery Associates by them claiming that my Estate owes an alleged debt while there violating my fundamental right to privacy. I was unaware that Portfolio Recovery Associates was lawfully and legally able to purchase my personal information and use my information without my permission and or written consent. I was also devastated to find out that the alleged debt Portfolio Recovery Claims is my personal debt along with my personal information was sold to them by XXXX XXXX. I never agreed to that. After realizing that Portfolio Recovery Associates was unethical, I decided to look into their license to collect debt in California. Portfolio Recovery Associates is NOT licensed to collect debt in the State of California. My Estate has suffered irreconcilable hurt from Portfolio Recovery Associates because I can not obtain goods for my personal, family, and household benefit.
Product: Debt collection

On my credit report there is a fraudulent account on my report for a LEASE from a company called ACIMA FKA opened in XXXX for XXXX XX/XX/2017 to be exact I reported it as fraud to the company themselves and to XXXX credit bureau a year ago when I discovered it I am told I must make a complaint so that they can investigate and remove it Or make a police report Acima phone number is XXXX Please help me get this fraud off of my credit report ACIMA will not even tell me what property was leased using my name and SS # although I can prove I have lived here for 7 years and did not lease any property in XXXX
Product: Payday loan

I have never applied for a loan, received a loan or been in contact with the Check 'N Go Company. They sent an invoice or bill in the mail that states my payment has been dishonored. 

I 'm either concerned that someone has used my identity to take out a loan or Check 'N Go is trying to scam me out of money.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

I previously submitted complaint # XXXX for this company that is reporting info that is damaging to my credit. They have refused to remove their reporting. I have since found that they are reporting discrepancies on my credit report. Incorrect Reporting of account status : Closed account reported as open, Incorrect date of last payment, date opened, & date of first delinquency