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

I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX CO ) XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Money transfer, virtual currency, or money service

I would like to lodge a formal complaint against First-Citizens Bank & Trust Company , specifically the XXXX XXXX  subsidiary and the representative of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for a fee of {$50.00} charged to my account for " returned checks '' I enrolled in the XXXX XXXX account of the First Citizen 's bank on /at about XX/XX/XXXX for the purpose of paying the homeowner 's association dues for my property at XXXX XXXX XXXX. 

I entered my bank details and authorized the payment of {$470.00} On /about XX/XX/XXXX I received an email from XXXX XXXX notifying me the payment did not go through so I went back into the First Citizen 's bank website and authorized the payment again. I was confused and wondered if I had forgotten to finalize the payment the last time On XX/XX/XXXX I went back in to ensure that this had been successful and found it ws yet unpaid. 

I clicked around to figure out the reason and saw something that indicated " The account had not been found '' I tried reaching XXXX XXXX and the XXXX XXXX company but was unsuccessful ( see attached email ) I resent the fee once more after ensuring the account number was accurate. 

At the time under discussion, there was no question of insufficient funds as the account has a sum of {$30000.00}. 

Sometime in XXXX XXXX I logged into my account and found I have been levied a fee of {$50.00}. 
After investigating, I found out it was for 2 returned checks I called XXXX XXXX XXXX and left messages for XXXX XXXX who is responsible for the account of my XXXX association. 
After many repeated attempts to speak to him, having left several messages, he finally spoke with me and informed me the fee was from First Citizen 's bank and he would contact them and see if they would remove it. 
I assumed it was done until around the 4th or 5th of this month when I logged in to sew if the new XXXX  fee had been posted to my account so I could take care of it. I saw the fee of {$50.00} was still on my account. 
I once more called XXXX XXXX who stated he did not recall ever speaking with me. I confirmed that we had indeed spoken. He told me the exact same thing as above. 
After 5-7 days, when I did not hear back from him, I sent him a reminder email. 
He responded that he told me it was not his responsibility but that of First Citizen 's bank. He had ONCE MORE FAILED to follow up on this concern.I corrected him on the point regarding his assurance to contact First Citizen 's bank and resolved to call on my own. 
On XX/XX/XXXX, I called first citizen 's bank and spoke to a customer service rep who took notes and just told me that '' when I signed up to use their payment system I agreed to pay for any returned check '' I told him that was the case, but that pre-supposes the check hit my account and the account had no funds to cover. 
He did not listen or try to resolve the matter and finally told me it was up to my XXXX XXXX association and I should contact XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.
Product: Checking or savings account

Direct deposit was supposed to be in checking account XX/XX/2025. HAS STILL NOT BEEN DEPOSITED AS OF XX/XX/2025
Product: Credit reporting or other personal consumer reports

Someone logged into my account EXPERIAN used my credit report to put soft inquiries without my consent. 

These soft inquiries are fraudulent, and I already filed a police report. 
Someone logged into my account unauthorized and did a soft inquiry without my knowledge.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024. On XX/XX/2024, I sent a letter of intent and an affidavit of truth to all XXXX credit reporting agencies. I stated I would like to make changes to inaccurate information on my credit report. I called each of the XXXX agencies on the phone XX/XX/2024, to update my information on the credit report. I mailed another letter to all XXXX credit reporting agencies on XX/XX/2024, telling them again about the inaccuracies on the report. This was sent via certified mail to verify that the notarized letter reached the credit reporting agencies. It has now been 30 days since my original request ( XX/XX/2024 ) and I have not had any contact from these agencies nor have I witnessed any updates to my account. Because of this, on XX/XX/2024, I mailed a demand and compliance letter to the credit reporting agencies and am now here submitting a complaint against them with the CFPB.
Product: Consumer Loan

on XX/XX/XXXX I financed an XXXX from XXXX and XXXX. At that time of the purchase of the XXXX XXXX tells me that after a full year of paying on time I can trade in the XXXX and get into a newer car and lower my Monthly payments I was thinking great that 's exactly what I would like to do to fix my credit. So I did just that, at exactly a year on XX/XX/XXXX. I went back to XXXX so I can trade in the vehicle and get into a newer car and lower payment so I do just that I brought the vehicle, he inspected the vehicle and then tells me he would take my XXXX as a trade in and get me into a XXXX paying XXXX per month I was paying {$590.00} per month for the XXXX. I also notified the lien holder on XX/XX/XXXX that i was in the process of trading in the car and they mentioned that they were going to contact the dealership. I purchased the vehicle from XXXX and signed the contract for the XXXX and left the XXXX in XXXX Possession. Now a year late I pull my credit and the truck was never paid instead he claimed the Truck was inoperable. XXXX had his mechanic Contacted the lien Holder so that he can get the title and had the account charged off as bad debt on my name so that he can receive the title and resell the vehicle. The XXXX was in perfect condition when I dropped it off to him. He took it as trade in after inspecting the vehicle. I just found out that he has resold the vehicle to a XXXX who is the new registered owner. The lien holder does not want to help in this matter. The lien holder should go after the dealership and or after the new register owner of the vehicle. Also the XXXX he sold me was a previous rental from an out of state rental company ( owner ) and both cars where sold to me over the XXXX value. He never stated any of these circumstances with me nor failed to disclose any of the issues in the contract when I purchased the vehicles. Rental vehicle depreciate in value and it a XXXX to sell a previous rental vehicle at XXXX value. XXXX and XXXX Has been convicted of XXXX dealership fraud in XX/XX/XXXX not allowing him to even operate any business yet alone another dealership due to Fraud Judgement against them both. I would like to be reinburst what I have paid out and have the debt deleted from my credit report. I have attached the documents needed also.
Product: Credit reporting or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple & repetitive derogatory marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
Product: Debt collection

It is with great concern that I note your bureau 's insistence on reporting these accounts as accurate, despite a lack of sufficient evidence to support such claims. This raises serious doubts about the veracity of the reported information and its compliance with the Fair Credit Reporting Act ( FCRA ). I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I must emphasize that the burden of proof lies with the credit reporting agencies to substantiate the accuracy of the information they report. In the case of the late payment accounts in question, I have yet to receive any verifiable evidence confirming the accuracy of the reported late payment dates. The absence of such evidence leads me to question the validity of the reported information and its compliance with the standards set forth by the FCRA. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

In light of the aforementioned concerns, I hereby request the immediate removal of the inaccurate late payment information from my credit report. If there are any discrepancies or lapses in payment, it is imperative that the bureau rectify these inaccuracies promptly. I expect that the bureau will adhere to its responsibility of reporting accurate and up-to-date information, and any failure to do so would be a violation of my rights under the FCRA.
Product: Debt collection

The debt was removed from my account because of identity theft and debt was not valid. Debt was placed back on my account did not recieve notice or anything. This debt also violates my HIPPA rights as well. The company does not respond and keeps placing it back on my XXXX credit report. AWA collections and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I was able to secure a loan from Affirm with a total credit line of {$3600.00} with their merchant partner XXXX with a down payment of {$340.00} with payments of {$190.00} monthly until XXXX XXXX after making a purchase on the XXXX website for {$1900.00} with an interest rate of {$390.00}. This was completed after I updated my phone number on my extended fraud alert with XXXX on XXXX XXXX .I was able to keep this credit account in good standing by making timely payments as agreed. I attempted to access my Affirm credit line again with XXXX on XXXX XXXX but was unable to for some reason so I called the customer service line for Affirm at XXXX. I was then told by reps that it would update within seven days or roughly a week which never happened. I attempted to make a purchase again on the XXXX app and opted to use the Affirm tab as a payment option on XXXX XXXX. However, upon checkout, I came across a screen stating that I would get a text or a call from Affirm to confirm my identity which I never received. I then called the Affirm customer service line and was informed by both reps and supervisors that they would call me at the number on file which never happened. On XXXX XXXX, after having spoken to reps and supervisors, I finally found out that Affirm was calling me at the incorrect number which is XXXX which I told them is no longer my number. I even informed them that on or around XXXX XXXX, I updated the number on my extended fraud alert with XXXX to XXXX and based on my conversations with both Affirm reps and supervisors, they had been using the old number XXXX which apparently they have not updated despite conferencing them in with an XXXX rep on or around XXXX XXXX who confirmed on the recorded line that the new number on my fraud alert has been updated since XXXX XXXX to XXXX. I called Affirm again that day and was informed that they will escalate the issue and I will receive an e-mail alert regarding the issue which I have not received yet after 3 days. I was also advised by XXXX that Affirm needs to get a copy of my updated credit alert which they have not done so. I called Affirm again today, XXXX XXXX, and sadly, both reps and supervisors gave me misleading information, I even informed the supervisor that I no longer feel secure doing business with Affirm due to the fact that they have an incorrect number on file which they have not yet updated.
Product: Credit reporting or other personal consumer reports

It is my understanding that XXXX  is banned from attempting to collect student debt, however they have posted as a collection agency on my XXXX Report. Is this a violation of any court order. I have asked Navient to provide legible documents to prove how they came up with the alleged debts, but they have provided me with very little information. They should not be causing negative statements on my credit reports.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX XXXXXXXX, account number XXXX Equifax : XXXX XXXX XXXXXXXX XXXX, account number XXXX XXXX : XXXX XXXX XXXX, account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/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 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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The XXXX XXXX XXXX XXXX located in XXXX XXXX, is a Foreign Government Mission, the XXXX contracted services with Clover XXXX and the First Data XXXX 

This company Clover XXXX, has been charging the monthly fee since XX/XX/2022 into a wrong account, we have been in touch with our First Data representative, and they just rolling us from department to department. 

It has been already more than 6 months requesting to our account to be fix, and until now they don't respond to our inquiries anymore and we haven't been able to reach any customer presentative with the credentials to fix this situation, this has been escalated to our First Data representatives and until todays no one has done much to help. 

The Clover  Customer service is unreachable and when finally, we get someone over the phone they just keep rolling over departments. 

Our Service address is XXXX XXXX XXXX, XXXX XXXX CA XXXX. ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights. 
XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Section 602 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, states that consumer reporting agencies must act fairly, impartially, and with respect for consumers ' privacy rights.

15 U.S. Code 1681s2 states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on XX/XX/year> from XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting this closed credit card info. They show a payment history and updated information where there is none. The card has been closed for years with no activity at all! They show no information that's accurate. So for their error they decided to update the account to their specifications avoiding the legal ramifications associated with falsely placing information on credit reports per the FCRA! None of the info they show is accurate and the dispute is a mute point!! They never corrected information even after I demanded they do so!!! I'm including XXXX XXXX  in this complaint to correct the information since Equifax can't seem to figure out anything or how to do anything right. My dispute is with Equifax for always reporting inaccurate information on my credit!
Product: Mortgage

I am assisting a veteran complete a short sale on his home. Ditech is the loan servicer and its a VA Loan. I have submitted the short sale package along with an offer to Ditech XX/XX/2016. Ditech has failed to respond to the offer. I need assistance with this request. I have attempted to escalation this file with Ditech directly with no success and I called VA directly seeking assistance - but they did n't offer much help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Victim of Identity Theft both from my Driver License & Social Security card that was stolen twice and fraudulent accounts were open. XXXX also confirmed that my name and Social Security have been compromised. With both Crimes that occurred against me that lead to many fraudulent accounts opened under my name. TransUnion has received my FTC & IDENTIFICATION Theft Police report. As per section 605 B FCRA TransUnion is currently reporting an account from XXXX XXXX with a balance around XXXX that is fraudulent. TransUnion is not cooperating with the FCRA 605 B and are currently not in compliance with the FCRA law. I have to note that I have hired a FCRA attorney. He is advising that I file this complaint so a paper trail is present.
Product: Credit card

On XX/XX/XXXX US Bank, XXXX XXXX Department, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX agreed to remove the 30 day late for XX/XX/XXXX and 60 day for XX/XX/XXXX. XXXX XXXX ensured me several times that this matter will be resolved and my credit report will be updated. 

Please see proof of email for verification. 

Also I was in good standing and paid on time form XXXX, XXXX, XXXX, XXXX and US Bank has deleted all payments and good standing status.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

XXXX has been paid in full going on two years now. It shows collections on my credit report. I have contacted the lawyer for XXXX and all credit report agencies and they are not showing it as paid in full. 

XXXX  I am making payments of {$50.00} a month and have for quite some time now. The lawyer nor all credit reporting companies are updating this on my report that payments are being made on a monthly basis. 

XXXX XXXX XXXX : I do not recognize this company. I reached out to them about two years ago and they said this was not mine. No credit reporting agency will delete it. They said their investigation shows its mine. No proof has been forthcoming and I do not recognize this company.
Product: Checking or savings account

Was supposed to be able to open an new account after my charge off was cleared. Now I cant because usaa didnt correct information with XXXX. I AM WITHOUT MY FUNDS STILL!!