23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

FCRA VIOLATOIN : Transunion file # XXXX. 
I disputed information contained in my credit file for my American Express credit card account. The only information that was incorrect was the balance due and account rating just for the month of XXXX was incorrect, it was listed as N/R. All the other months had correct information. The dispute was resolved in 2 days but the whole account with perfect payment history was deleted. This has caused my credit score to drop significantly due to no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " XXXX '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid XXXX is income and according to the FCRA income can not be reported on a credit report. Im requesting a XXXX ( Cancellation of XXXX ) from the following charged off account listed below. 

XXXX XXXX  XXXX checking my most current report the updated information stated the account was purchased by another Lender XXXX XXXX. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please delete this account and send the XXXX form
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, XXXX, and Equifax.However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Debt collection

1. I received several phone calls from this number ( XXXX ) a. Twice on XX/XX/XXXX b. Once on XX/XX/XXXX c. Once on XX/XX/XXXX d. Once on XX/XX/XXXX ( after they were informed not to ) 2. On XX/XX/XXXX, I called the number back because all of the calls were either hang ups or silent calls. 
a. I was transferred to XXXX, who I was told is the case manager for this debt. This is the first time I knew it was for a debt collection.

b. XXXX told me the amount was for {$100.00} and he named the debtor, which was a company that I worked for from XXXX XXXX. I was never an owner in the company, and I informed XXXX of this during the call. 
c. XXXX asked me to pay the debt, to which I reminded him that I am not, and never was, an owner in the company. And, the company is no longer in business. 
d. XXXX also told me that the debt was for some type of insurance for the company. 
e. During the call, I asked XXXX to take my number off the account. At first, he refused and was rude and blew me off. He cut the call short by hanging up while I was asking to confirm that my number was removed. 
f. Therefore, I had to call back again on XX/XX/XXXX to ensure he was removing my number. He then stated that he would remove my number. Again, after treating me rudely and condescendingly. He even admitted to hearing me ask a question as he hung up on me. 
3. On XX/XX/XXXX, I received another silent call from the same phone number. 
a. I called XXXX immediately after and informed him. I asked why my number was still being called. 
b. XXXX said he would remove my number. 
4. This is when I decided to file a complaint because this just doesnt feel right to me for several reasons : 1. The calls never identified themselves. They either hung up or were silent.

2. The silent call received on XX/XX/XXXX, after XXXX was rude and condescending on the phone on XX/XX/XXXX, felt like harassment, or at minimum an attempt to annoy me. 
3. XXXX revealed the companys debt, the amount, and what the debt was for to me ; who was never and is not now an owner in the company. 
4. This debt collector contacted me via my personal cell phone a total of five ( 5 ) times : a. Twice on XX/XX/XXXX b. Once on XX/XX/XXXX c. Once on XX/XX/XXXX d. Once on XX/XX/XXXX ( after they were informed not to )
Product: Debt collection

I received a letter from this collection agency saying it was on behalf of the XXXX dept of revenue. it looked like a scam, but I called XXXX immediately to verify if it could be real ... it is. I then made immediate action to communicate with XXXX and XXXX for XXXX  XXXX XXXX XXXX and also called this collection agency to inform them i am taking immediate action to resolve this issue with XXXX. The collection agency wont give me any 'grace period ' so I can get this resolved with XXXX and they continue to threaten me. I just found out about this!!! XXXX revenue needs forms from the IRS sent to them to fix this issue and the IRS has my request and states they need up to 2 weeks to get me the response, and then XXXX says they have 30 days to review. the collection agency says they are moving to garnish my wages, issue liens, etc!!! I have excellent credit score and NO history of evasion of any of my responsibilities. In a couple of months this can all be resolved .... and in a couple of months this collection agency can do me great harm.
Product: Credit reporting or other personal consumer reports

I'm disputing the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2. I have thoroughly reviewed the consumer report that I obtained from your agency, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. These inaccuracies have caused severe financial harm and have negatively impacted my ability to secure loans and credit on fair terms. The disputed information on my credit report is as follows : XXXX, XXXX, Equifax, refuse to remove these inaccurate accounts, I've made numerous attempts and received mail stating Verified and Accurate How is this even possible to say your so called investigation is accurate and their aren't any account numbers to say theses accounts are accurate. This is fraudulent reporting A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, I am requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681s-2, I request that you promptly notify the data furnishers associated with the disput
ed information about my dispute. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is in accurate or have reason to believe is in accurate. I demand that you conduct a comprehensive and impartial investigation within the time frame mandated by the FCRA, which is 30 days from the date of receipt of this dispute letter. Failure to adhere to this requirement will be regarded as a violation of federal law. 
Upon the completion of your investigation, I expect to receive a written report of the results, along with a copy of my updated credit report reflecting the necessary corrections or deletions. If your investigation reveals that any of the disputed information is inaccurate, incomplete, or unverifiable, you must take immediate action to rectify this matter in compliance with 15 USC 1681i ( 5 ). Additionally, I insist that you provide me with a written statement confirming that the inaccuracies have been corrected and that the updated credit report has been sent to all parties who have received my consumer report within the past two years. Please be advised that I am fully aware of my rights under the FCRA, and I am prepared to pursue all legal remedies available to me should you fail to comply with the law 's requirements.
Product: Money transfer, virtual currency, or money service

To Whom this may concern, The wire transfers that occurred between me and XXXX XXXX was for a business transaction. He portrayed himself to be part of an elite group called the XXXX and that was not the case. I have tried to email and contact the individual for some time now with no results. I would like for this individual to not me able to scam anyone else as I have been and please do not allow this individual to send any more wires in the future. 

I was not aware of this beforehand or I would have not conducted business with the individual. 

The wire total XXXX plus, and since I am protected by the CFPB and also the FDIC I would like to resolve the issue as soon as possible. 
Also note that the account in which the fund was pulled out is no longer an account with navy federal due to another
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have attempted several times to remove these fraudulent accounts from my report. I have three collection account for medical debt 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXXXXXX XXXX  XXXX This credit card collections is not mine. 
1. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, never gave Transunion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute.
Product: Checking or savings account

I went to the local branch in XXXX Ohio off XXXX XXXX met with the clerk and then with a meeting with a XXXX XXXX. I asked that I have a copy of my XXXX  statements and copies of payments that we wired to the IRS for payments owed in the last 4 years. She was unable to give me any of it. She could not provide me with any of my requests. She gave me a phone number to call customer service. I left upset and confused. I then called the customer service line and the CSR advised she was able to see the XXXX  year statements. She was unable to find our payments to the IRS and she would email me the statements I requested. This was a weeks ago now as nothing resolved. After reviewing our records, the ledger and account details do not reflect what we have had with PNC either. I need someone to help us figure this out as I know for a fact that we have had money taken from us over the years and I need help proving it. They will not get away with this
Product: Mortgage

I received {$100000.00} from XXXX XXXX XXXXXXXX plan. I am a person with a XXXX and my home is modified. They were trying to do everything possible to keep me in my home. 
The funds were actually paid to XXXX on XX/XX/year> they were applied on XX/XX/year> The mortgage was flipped over to Roundpoint Mortgage. I was told if I did not sign a 40 year mortgage yesterday, I would lose my house. It does not make sense. I only had 17 years left on my mortgage at a XXXX rate my balance was {$350000.00} on my dashboard with RoundPoint on XXXX XXXX. There shouldve been plenty of money from the XXXX XXXX XXXXXXXX program to get me fully caught up and not have to go backwards into a 40 year mortgage.
Product: Money transfer, virtual currency, or money service

Well i had a issue with my XXXX XXXX XXXXXXXX account i was forced to open a new bank account with a new bank so my XXXX XXXX XXXX  was linked to my grain app i tried several times to input my new banking info but it did not let me also a week or so later the app went totally blank then a few more weeks past i received a email stating my payment was late i received the email on XX/XX/2022 on that same day i made the payment not once prior i received any email stating that i was late nad that it was going to be reported on my credit till that day on XX/XX/XXXX the email stated i had 30 days to make payment of it will be reported to credit bureau so i made the payment that day the full balance late fee included to my surprise a week and a half later they reported the same balance to my credit report i have no way of contacting this company this is affecting me so much i was in the process of a major purchase this drastically harmed my able to do so ive contacted them various times what was wrote on the email i received on XX/XX/2022 should be honored if i have 30 days like stated on email and i make payment that same day why is it being reported i ahve no problem paying the late fee and if i missed the payment that email should of been sent prior so the 30 day grace period is honored not at the end of the month and then when payment is made is still reported
Product: Debt collection

The company is reporting that the original amount was {$750.00} and that was not possible. The original account amount was {$13.00}
Product: Checking or savings account

I am XXXX XXXX XXXX. I was scammed via the internet to deposit checks from several individuals into my bank account at First National Bank of Omaha, send half of the deposited amount via XXXX, and was ensured I would be able to keep the other half of the money. XXXX {$500.00} checks were sent to me on XX/XX/XXXX, and I deposited them the same day. I then sent half to individuals on XXXX : XXXX XXXX - XXXX XXXX  XXXX XXXX - {$240.00} XXXX XXXX - {$240.00} XXXX  XXXX - {$260.00} XXXX XXXX - {$100.00} A name in XXXX characters - {$100.00} When the amounts being sent for deposit to my checking account I started to get suspicious and refused the additional checks, and told my mom what happened. We then filed a police report with XXXX Police Department in XXXX, XXXX ( RT # XXXX ). I also provided them my SSN. 

I filed a report with XXXX as well as with my bank. XXXX said they would work with my bank but First National Bank of Omaha is saying there is nothing they can do.
Product: Credit reporting or other personal consumer reports

I was never late on these account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these late payments. 

I was never late on these alleged late payment from my credit report and update to paid as agreed per USC 15 1666B a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, status Account closed 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 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, credit repair services, or other personal consumer reports

I have recently sent a dispute over to Capital One Auto finance due to inaccurate late payments I had on my report. This account is closed now because I paid off the car in XX/XX/XXXX. I know that any misinformation on your report can hinder you from gaining more assets or liabilities in the future. My credit report shows that i have good payment history and paid as agreed from XX/XX/XXXX, and XX/XX/XXXX. I have recently printed off my credit report and it shows my payment history.

I wanted Capital One auto finance to update the info to show I did have good payment history with them and was never late on my payments. by law i can challenge the creditor and credit bureau if something is inaccurate. at least 1 out of 4 people in America has inaccurate info placed on their report and this is the issue for me. I have sent 3 letters out to the Credit bureaus and Capital One Auto finance. So I wanted to Make the creditor prove that I were late, as they are reporting it to the credit bureaus. If they can't prove that you were late, ask them to delete the negative item.

This can improve your score.. Sending a copy of me being late on payment on my credit report does not match my report and i need more receipts stating the dates completely that I was late on my payments bearing my signature. I have sent a notary letter to them along with
letters stating to remove unverified accounts off my credit report if they cant prove it.

This is a violation of 15 U.S.C. 1681 under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application and any documents reported correctly, who in the company verified these accounts. how did they verify them, and provide me with the individual, business address, telephone number of the person or business contacted during my re-investigation. They sent letter and credit report but no changes were made at all. all 3 CRA have not updated the account upon request regarding Capital  One Auto Finance.
Product: Mortgage

So originally the loan was with XXXX and I have lived at the address for 16 years and now the loan is with Selene financial company showing a balloon payment of XXXX and the balance is XXXX that is not accurate. I have never done a loan on my house I have never taken out money from the house at all. I shouldnt even XXXX I did a credit check with XXXX XXXX XXXX, etc. and its showing things that I have never done on my mortgage theyre trying to foreclose as of XXXX XXXX. I need some assistance if you can please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To begin with, I would like these accounts removed from all 3 credit bureaus immediately. They were opened under my name when I was only XXXX. One was opened on XX/XX/XXXX and the other was opened XX/XX/XXXX. I was born on XX/XX/XXXX. My legal age was XXXX years old, but you have to be XXXX years old to open a credit card account under your name. I even filed a police report showing that I did not open these accounts. Secondly, per Florida statutes XXXX, the limitations on credit card debt is only 5 years. This shouldve been removed from my credit reports a couple of years ago. If these accounts are not removed from my credit reports, I will file a lawsuit with my lawyer against XXXX XXXX and Target for allowing someone to open credit card accounts under my name at an illegal age to do so along with XXXX  for reporting accounts that were opened illegally while I was underage.
Product: Student loan

I applied for PSLF in XX/XX/2016. I've been making payments since XX/XX/2016, but recently found that none of my payments have been counting towards my 120 qualifying payments. At this point I have made 26 payments, and more than that none of the principal is being paid down so if PSLF is overturned then I am actually paying more and it has been 6 years since I graduated with my XXXX. I called multiple times and re-submitted several forms even though it's clear that I worked at an employer they won't certify it or count my payments. My problem is with XXXX XXXX.
Product: Debt collection

XXXX has repeatedly called my place of work as well as my cell phone for the past 3 weeks. Today ( XX/XX/19 ) was the latest.
Product: Credit reporting or other personal consumer reports

Dear XXXXTransUnion, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate address listed on my credit report. Despite multiple previous notifications, the address XXXX XXXX XXXX, XXXX, NJ XXXX remains on my report. 

As per 15 U.S.C. 1681i ( a ), I request an immediate reinvestigation of this disputed information. I do not have legal access to the mailbox associated with this address as the key was turned into the post office, and I have received calls from the leasing office regarding this issue. It is essential that you delete this address from my credit report since it is no longer valid for me and is impacting my credit negatively.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), consumer reporting agencies are required to maintain accurate and up-to-date information. Continuing to list an address at which I do not reside and to which I can not legally collect mail constitutes a violation of this statute. The United States Postal Service can verify that I no longer reside at this address. Additionally, you can contact the leasing/property management office at ( XXXX ) XXXX to confirm that I do not reside there. 

I request that you correct this error promptly and confirm in writing that the incorrect address has been removed from my credit report. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently check my report and there are address on my report that are not mine!!

These need to be removed asap It is a violation of to FCRA 605B ( 15 U.S.C.

1681c-2 ) XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX