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

Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. TransUnion and XXXX continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report so I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and XXXX
Product: Debt collection

I received one letter, dated XX/XX/XXXX, from Phoenix Financial Services stating I had a collections balance of XXXX with two separate creditors, XXXX XXXX XXXX on the front, and XXXX XXXX XXXX XXXX on the back for a medical service rendered XX/XX/XXXX. I had never received any previous bills from " XXXX XXXX XXXX which does not exist, as only XXXX XXXX could be found on XXXX, and it refers to XXXX Hospital in XXXX. I have also never received any bills from XXXX XXXX. The item was reported to the credit bureaus on XX/XX/XXXX. The letter states they have attempted to contact me, and are willing to let me pay a reduced amount to settle it, but makes no mention of my right to dispute the debt.
Product: Checking or savings account

My direct deposit from Social Security Administration and XXXX was connected to this account and the account was closed illegally without my permission. 18 US Code Section 1341 Fraud and Swindles.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX closed my account and charged it off as bad debt for which I received a XXXX and it was filed on my tax return. Though the debt was charged off, my credit reports drill reflect the full balance. In efforts to get the situation resolved by making a payment toward the balance, XXXX XXXX does not allow you to make a payment with them. When calling back, XXXXXXXX XXXX leaves me on hold for extended periods of time. It is illegal for XXXXXXXX XXXX to take the full balance from me on a debt that they have already charged off and received tax benefit for. It is unfair for XXXXXXXX XXXX to let my credit continue to be negatively affected.
Product: Vehicle loan or lease

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX To whom it may concern and : *Consumer Financial Protection Bureau *Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX *FTC Subject : Urgent Request to Settle Debt and Obtain RV Title To Whom It May Concern, I am writing to formally request resolution regarding an outstanding matter involving an RV loan under the name of XXXX XXXX. As per my divorce decree, I was awarded the RV, and I have been attempting to settle the matter with XXXX XXXX XXXX XXXX for several years without success. 

Despite multiple attempts to reach out and provide the requested documentation, including the divorce decree, I have received no response from XXXX XXXX XXXX XXXX particularly from XXXX XXXX or any of her superiors. While I did receive initial contact, all communication has since gone dark. This ongoing lack of response has made it impossible for me to finalize the buyout of the RV, which has significantly deteriorated in condition, suffering from severe delamination and other damages. 

Given these circumstances, I am offering {$490.00} to settle the matter and obtain the title to the RV. This is a fair resolution considering the condition of the vehicle and the extended period of non-communication from the bank. 

I urge you to review this request and provide a response immediately. I have exhausted all other avenues to get this resolved and expect your cooperation in concluding this matter in good faith. Please confirm receipt of this letter and provide an update on the next steps within 14 days. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

The company originally told me of a bill in XXXX. At this point I paid over the phone with my account information. I provided number by number my routing and checking account number. The agent over the phone processed the payment. 2 weeks later they call me saying it is incorrect. I gave them the information again. They charged me for it being late which I disagreed with since it was not my error. I said I would pay it. They called me for a third time saying there was a problem. I again supplied them with the information. The person on the other end was incorrectly writing the routing number down. They reported me late for 3 months for a problem that was not mine. I made attempts every single time to pay and they had a mistaken number. On XX/XX/2020 I found out that the credit reporting had been negatively effecting my credit for something I tried to pay numerously. The agent on the phone informed me that the 2 people before never fixed the routing number. These reported late payment and non payments or completely inaccurate and their fault for not correcting the information the 3 times I called. Ive never missed a payment my entire adult life and this mistake has costed my credit hundreds of points and it prohibiting me from closing on a house.
Product: Money transfer, virtual currency, or money service

I wired {$40000.00} from my businesses account ( XXXX XXXX ) to my coinbase account on XX/XX/2017. 

I have received an email that says you guys can not accept the wire and it will be reversed due to the name mismatch ( XXXX XXXX & XXXX XXXX ) and I should receive it in 7 days. 

It has been more than 60 days since I received that email,
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES :XX/XX/XXXXXX/XX/XXXX
Product: Vehicle loan or lease

WELLS FARGO has been very uncooperative and has caused a lot of problems for several business and myself. 

Any reasonable and ethical company would have provided assistance in clearing up my title when they were made aware a customer had a problem, but not Wells Fargo. 

It is obvious from the documents uploaded and numerous letters from Wells Fargo refusing to provide assistance in the matter of my title that XXXX does not know how to provide proper and competent customer service..
Product: Credit reporting or other personal consumer reports

XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX XXXX [ XXXX, Texas XXXX [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Experian ] [ XXXX Experian XXXX ] [ XXXX Texas, XXXX ] Subject : Dispute of Missing Information and Request for Debt Removal Dear [ Experian ], I am writing to formally dispute inaccurate and incomplete information on my credit report and request the removal of an invalid debt. Upon reviewing my credit report, I discovered that the following account contains missing or incorrect information, which has resulted in an inaccurate reporting of my financial status. 
Disputed Account Details : Creditor Lender Names : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account account XXXX The reported debt is inaccurate due to [ inaccurate payment history, payments not reflected, account closed but still reporting a balance, fraudulent activity, or any other valid dispute reason ]. I have enclosed supporting documentation, such as account statements, payment records, and correspondence with the creditor, to substantiate my claim. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be thoroughly investigated and, if found to be incorrect or unverifiable, be removed from my credit report immediately. 
Additionally, I request a written confirmation once the correction has been made. 
Please consider this letter a formal request for resolution, and I expect a response within 30 days as required by law. I appreciate your prompt attention to this matter and look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Equifax XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX
Product: Debt collection

pursuant to FCRA 15 U.S. CODE 1692B ( 2 ) FDCPA 15 U.S. CODE 1692a I have a right to an accurate consumer file and when asked via written correspondence this company should have provided me with verification of this debit being mine and they haven't, therefore I am demanding this account be removed from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently requested an investigation into the disputed accounts, which you claimed were verified. Believing that your investigation was not conducted thoroughly, I contacted the data furnisher last month via mail. They have since responded, confirming that my concerns were valid and that the information in your records was incorrect. Given that your initial investigation was improperly handled, I now request that you update or correct the following accounts in my file. 
XXXX  XXXX XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$15.00}
Product: Credit reporting or other personal consumer reports

I just review my credit and found this inquire XXXX XXXX has i never request anything from them and demand to be delete
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Experian Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXX To Whom It May Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been paying Experian Credit Bureaus XXXX for service an scores for a few year on XX/XX/2021 was the last time i have had a updated Credit Score with them. Ive talked to them 8 times & have sent in documenttion with my Driver License & two pieces of Bills to reflex my address but everytime they say there going to update everything to reflex so my Score an Credit profile will update nothing happen they just keep sending me the run around since XXXX ive talked to them on the phone 376 min total in 9 months 38min first - 48min second -29min Third- 56min forth- 67min 5th time - 44min 6th- 57min 7th- 37min 8th time. I have 700 plus scores on XXXX XXXX XXXX but this has cause major harm because im finiancially able to purchase my home but we cant get a experian score.At this point i want to sue them cause they are putting me & my Growning Family in a bad situation.
Product: Mortgage

On XX/XX/2019 I spoke to a Ditech representative, she set up electronic payment arrangement plan for my to pay back the pass due amount for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, totaling at little over {$3200.00}. Today I was informed the mortgage is in foreclosure and I must pay over {$7500.00} to reinstate the mortgage. Apparently it went to foreclosure on XX/XX/2019. I spoke with two representatives today, each had different information to share. The first one said I will receive a reinstatement letter with past due amount plus legal fees due and the second representative informed me the payments electronically taken will be returned. I thought I was on a payment plan to repay loan. I am not getting correct information and I don't understand why payments were never applied.
Product: Debt collection

Experian Has authorized to collection agencies to state that the two accounts are open and also posting a dollar amount which part the FCRA this is not correct. 

XXXX XXXX XXXX  Account number:XXXX  XXXX XXXX Account number XXXX
Product: Debt collection

The agency has violated multiple FDCPA regulations. The entity which provided me no notice that a debt existed or that the debt was in collections and placed the debt on my credit XX/XX/2021 in the amount of {$370.00} in an attempt to have me pay an unknown debt without validation. When seeking validation of the debt the agency will not provide it and hangs up saying if I do not acknowledge the debt they will not assist me, in an attempt to reset the statute of limitations before even validating the debt in writing. The agency uses harsh collection methods which violate the rights of consumers and do not align with FDCPA guidelines. I have sent the consumer a letter of validation on XX/XX/2021 without response. The agency limits the options we have to resolve debts before financial and credit impact occurs in an attempt to get a fast payment agreement and reset statute of limitations on what ia an older, non-obligated debt outside the statute of limitations
Product: Debt collection

hey I reached out to security credit services because I checked my credit report recently and I notice there stating I have an out standing balance of {$770.00} on XX/XX/2020. I have no knowledge of this account this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 we canceled XXXX services. ( Had paid the monthly payment by autopay. ) upon canceling, we were informed that we must return equipment upon receipt of their postage paid box/label or we would get charged for equipment. We promptly and immediately complied and sent all items requested. We verified it was received by XXXX. 

Because we were also building a new home ; beginning XX/XX/2018, we applied for a construction loan from our financial institution and our credit scores were impeccable, as they always have been. My wifes and my own credit scores were, in fact lateral as we have been married 25 years and had the same accounts, etc. 

Because our construction loan is now matured and needs to be converted to a traditional mortgage, our financial institution indicated we could not get a good rate on a mortgage because my credit score took a nose dive! To my utter shock, I reached out to Equifax to inquire as to why the sudden drop. It was indicated I had an unpaid bill reported to them by XXXX  XXXX IN, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( phone XXXX ) in the amount of {$800.00}! 

First, we NEVER received notification of such amount due and second, we had no idea who this company was! After searching their name we learned they were a collection agency for XXXX! 

We immediately filed a complaint with Equifax and spoke to them numerous times to expedite our complaint and resolve the incorrect information so to put my credit score back to where it was prior to the scathing incorrect information. 

Unfortunately, every time we have spoke with them, there was a huge language barrier and after hours and hours on the phone, we asked where we were calling and learned it was the XXXX. We then asked to speak to someone in the USA and was obliged with the request. 

The credit bureau did indicate the item was deleted from the credit file, however it could take as long as 90 days to be reflected on my credit score!!! I begged that this be carried out sooner so I may get a traditional mortgage that should be afforded to me. I have worked all my life, paid all my bills, fought for my country, and have had an impeccable financial and personal reputation. 

I have explained that this is unacceptable and unjust. It was not a valid debt and further, this incorrect ding on my credit score is going to cost me many, many thousands of dollars due to the fact I can not obtain a traditional mortgage!!!! 

XXXX XXXX, XXXX and Equifax needs to compensate us for the grief, anxiety, and moreover the additional costs we will incur due to this total debacle. 

For your information, the Equifax Confirmation number of the completed complaint is XXXX.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of Trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that Trafficking. 
XXXX. XXXX XXXX XXXX : Account Number ending in XXXX XXXX. XXXX XXXX XXXX XXXX : Account Number XXXX XXXX. XXXX : Account Number XXXX XXXX. XXXX : Account Number XXXX XXXX. XXXX XXXX : Account Number XXXX XXXX. XXXXXXXX XXXX  : Account Number ending in XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number ending in XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of Trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of Trafficking in persons or sex Trafficking if the consumer has provided Trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of Trafficking in persons or sex Trafficking if the consumer has provided Trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 12 CFR Part 1022 [ Docket No. XXXX ] XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity Trafficking documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called this company 31 times first progress credit card they refuse to remove highest balance of {$89.00} which is created from annual fee and late fee from not paying annual fee { period } I canceled my account without using the card on XX/XX/XXXX I was told the money order I sent in 16 days prior to due date that they never got. I was told if received after cancellation it would be mailed back to me first progress cashed the money order XX/XX/2021 then sent me a statement stating I made a purchase of {$49.00} and the statement showed {$49.00} was paid off. first progress refuses to remove late payment on credit report and stole my {$49.00} I have been hung up on by supervisors lied to by other supervisors XXXX, XXXX or a couple of the names I remember, telling me that they can not remove the highest balance. they illegally cashed my money order { period } and they are damaging my credit score knowingly. I sent in Goodwill adjustment letters they had said they would fix the incorrect information on my credit reporti they did not I had contacted XXXX and when first progress replied back the stated they fixed it they did not. This company is taking advantage of people lying to the consumer and stealing their money { exclamation-mark } I have all of my paperwork from every single statement they have sent me each month to copies of their response writing XXXX. I also have the receipt for the money order that first progress cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiries online with Equifax and was advised credit inquiries were factual that stay on record for two years but was advised to file a report with the XXXX however, I was directed to the CFPB website. I contacted XXXX via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and XXXX, it has already been removed from Equifax. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.
Product: Debt collection

I had disputed a XXXX acct of {$710.00} which I did not have ownership of. This account was with Amsher Collection Agency. This collection agency removed this account off my credit report with XXXX on XXXX/XXXX/16. On today, XXXX/XXXX/16 I received an alert from XXXX XXXX that XXXX is reporting the exact same account-XXXX- {$710.00} to my credit report with an open date of XXXX/XXXX/16 and last reporting on XXXX/XXXX/16. it has been determined that this is NOT my account and never was. This agency is re-reporting this account after it had been removed from my credit report. I am aware that this is VERY ILLEGAL.
Product: Credit reporting or other personal consumer reports

Ive contacted equifax and asked them to delete a XXXX XXXX XXXX account from my credit report, I submitted the application and they refuse to remove the account or update any information.