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

I am writing to demand that you take immediate action regarding the reporting of my account. I have discovered that it has been reported in violation of 15 USC 1681a, which is a clear violation of The Fair Credit Reporting Act. While I don't dispute the validity of this account, I do dispute the way it has been reported. The reporting of this account is a violation of my privacy rights, as it discloses non-public personal transactions between me and the company involved. 

I expect you to rectify this situation at once and take all necessary steps to ensure that my rights are protected. Failure to do so will leave me with no other choice but to pursue legal action against your company. I hope you understand the seriousness of this matter. 

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

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS. HOSPITAL BILLS ARE BEING REPORTED WHICH IS VIOLATION OF THE U.S. CONSUMERS REPORTING AGREEMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing because I noticed some inaccuracies on my credit report that is damaging my score and needs to be updated immediately. This bank is reporting XX/XX/XXXX and XX/XX/XXXX as late payments however, according to the fair crediting act, US code 1681s- 2, reporting information during covid19 pandemic the covered term period began XX/XX/XXXX through the ending on the later of 120 days after XX/XX/XXXX. This closed collection account is also reporting an incorrect monthly payment of 102 and the status of the account says 'current '. Due to the multiple errors this account is reporting, please remove this account from my report indefinitely.
Product: Credit reporting

Trans Union is ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX this account is ran as a charge off but i never received any of the 1099 cancellation of debt form which makes this account inaccurate and has to be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name, XXXX XXXXXXXX XXXX, Acct # 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: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Checking or savings account

Sofi has unauthorized 2 charges on my account on my account the XXXX of XXXX but I posted the XXXX. When I never used XXXX those times and got charged {$60.00} and {$79.00}. Once I disputed it they denied it because i used it before. When the first time I got the message and notification about unauthorized activity and I clearly denied it i still got charged now they won't return {$140.00} worth of my money and customer service reps are the most horrible ever. I even let them know i can provide proof of my XXXX rides but couldn't do anything. I'll be switch to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT. I SENT THE PROPER REPORT AND INFORMATION TO TRANSUNION, XXXX AND XXXX. THEY FAILED TO REMOVE ALL OF THE FRAUDULENT INFORMATION THAT WAS ON MY REPORT.
Product: Vehicle loan or lease

I was approved by USAA for an auto loan. After finding the car and signing the loan docs, they came back and said that they can not approve the application due to Poor prior interaction with you or co applicant. FYI- I do not have co-applicant. I did not have any prior interaction with USAA before this Loan. I think they just send a random response not to honor already approved loan.
Product: Debt collection

this debt collection agency claims to have purchased a debt of mine from an original creditor that i have no clue they are or what the original debt was for. they sent me a letter dated XX/XX/year> stating that if i do not pay the balance of {$900.00} by XX/XX/year>, they intend on filing a lawsuit against me. The letter wasnt received until today, XX/XX/year>. after opening the letter, within mins of receiving it from the mailman, i went to their site to view my " charges '' as directed on the letter. in order for me to view my charges, i had to VERIFY MY INFORMATION, which is to be expected. I found a chat button and attempted to speak with a representative. before i was able to speak with a rep, i had to once again VERIFY MY INFORMATION with the chat bot. then i was able to get with a live rep. when attempted to request a FULL VALIDATION OF DEBT, the live rep asked AGAIN for me to VERIFY MY INFORMATION!! why am i verifying my information OVER AND OVER to a company that I DO NOT KNOW for a charge THAT I HAVE NO KNOWLEDGE OF!! this rep because extremely rude and denied my request thats IN WRITING multiple times for a validation of debt. While trying to explain to the rep their legal obligation and my rights, she disconnected the chat making it to where i could no long respond. I then started a new chat with a new rep, WHO DID THE EXACT SAME THING and denied my request that was asked MULTIPLE times in the chat with her. I also asked for their legal dept information to which the second rep ended the chat in response. 

They have also sent me text message to my cell phone without my permission.
Product: Credit reporting or other personal consumer reports

i just check my credit report i see this accounts and innacure information inmy report.. 
XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SENT OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVED In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

XXXX XXXX I have not done any business with this company since around 2007. I have disputed this account on my credit reports and it's deleted, but then shows back up again as a collections account. This is a fraudulent account.
Product: Mortgage

I called my mortgage company in XXXX and they agreed to the forbearance for XXXX and XXXX but they are telling me a lump sum will be due in XXXX. They sent another email as shown below. When I called they were only authorizing the forebearance with balloon payment due in XXXX with no additional offerings. 

Information Regarding COVID-19 You previously informed us of your inability to make your monthly mortgage payment as a result of impact from COVID-19. We want to stay in touch to identify any changes to your circumstances as the situation evolves. 

The federal government has issued a reminder that payment relief does not erase what you owe you will have to repay any missed or reduced payments in the future. If you can pay your mortgage payment you should continue to do so. Each payment you make will reduce the total outstanding balance due later. 

You can resume making payments at any time while still receiving protection from late charges and negative credit reporting. You do not need to cancel your payment relief agreement in order to start making payments. 

To resume making payments, simply log in to your account at www.spservicing.com and select the make a payment option, or call one of our Customer Care Experts at ( XXXX ) XXXX. As always your other payment options are also available through bill pay at your bank, XXXX XXXX, or mail your payment to the address below. 

Payment Address : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Customer Care Experts are available Monday through Thursday between the hours of XXXX XXXX. and XXXX XXXX., Friday from XXXX XXXX. to XXXX XXXX., and Saturday from XXXX XXXX. to XXXX XXXX., Eastern Time.

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

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Said I was unable to open an account because of a consumer report
Product: Debt collection

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with the account listed under XXXX and XXXX. I requested a validation on XX/XX/2018 as there were 2 accounts that appeared to be duplicate. On XX/XX/2018 I received a response that one account was removed as it was duplicate however XXXX and XXXX still failed to validate the other account. A 2nd validation request for the remaining account was sent out on XX/XX/2018 to which I received a response on XX/XX/2018. The response I received consisted only of a copy of the response dated on XX/XX/2018 along with a statement from XXXX XXXX XXXX XXXX. The statement they provided did not include any information reflecting that they attempted to run the charge through insurance coverage that was effective on date of service nor that XXXX and XXXX has authorization to legally access my medical records and to attempt to collect on this account. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus however the account is still reflected on my credit profile and continues to negatively affect me.
Product: Credit reporting or other personal consumer reports

I sent my FTC report and License to report identical theft. XXXX, XXXX and TransUnion still reporting fraudulent aCcounts on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

For over two years, I have disputed the inaccurately reported bankruptcy on my credit report, and I have saved every piece of correspondence as proof. It is impossible for the credit bureaus to have verified this bankruptcy through XXXX, as my file there is frozen. Additionally, the court involved has explicitly confirmedvia the attached XXXX letterthat it does not report any information to credit bureaus. Despite this clear evidence, the credit bureaus have ignored my disputes and continued to report an incorrect discharge date, further damaging my credit profile. These actions strongly suggest that the bureaus acquired this information illegally or from unverifiable sources, in direct violation of the Fair Credit Reporting Acts accuracy and verification requirements. I demand the immediate removal of this unlawfully obtained and inaccurate information, as it is hindering my familys ability to purchase a home.
Product: Credit card

XX/XX/XXXX I was in hospital with XXXX  I called apple credit card and I was told that it will be removed and honored due to me not being able to work during that month I have been trying to get this removed since then, it isnt fair that we are in XXXX it is still reflecting on my credit report, you seek help from your credit company during XXXX  and assuming they will help, I never since I had the card made any late payments ever, Im disgusted and disappointed that they will not honor the late payment, and I was really late by 4 days. I offered to send my medical records and still nothing I want this taken care of and out of my report this is hindering me from moving forward with anything
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number 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 customer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Seemingly out of no where, Lexis/Nexis is reporting to my bank (   XXXX   XXXX   XXXX   )  that I am " deceased ''. Using information supplied by Lexis/Nexis,   XXXX   XXXX   XXXX    cut off my credit and debit card and froze my home equity lines. .  XXXX   XXXX   XXXX   has done an excellent job in reversing these errors and getting my card and line access reinstated. I reported this issue to Lexis/nexis and they said they would review my case but it would take up to 60 days. ( Lexis/nexis number  XXXX  ) However, as of   XXXX  , LexisNexis continues to report that I am " deceased ''. I am very concerned that this continued report of erroneous data will impact my other banking relationship, credit etc.    I want Lexis/Nexis to fix their reporting issue and stop providing this erronerous info about me to third parties.
Product: Checking or savings account

Deposited check # XXXX for {$1900.00} on XX/XX/XXXX via mobile deposit to my Huntington Bank checking account. Check was written on XXXX XXXX Bank account of a third party. As of today XX/XX/XXXX Huntington reports that they have not received funding on the check from XXXX XXXX and are still " looking into it. '' The third party originator/writer if the check claims the check was cleared through their XXXX XXXX account in early XXXX, although I do not know the exact date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that were added without my permission, possibly due to fraud or identity theft. Kindly block and remove these fraudulent items.
Product: Debt collection

I constantly rcv a phone call from XXXX,,, was finally able to link it to Penn Federal Credit and once they asked my wife for my name and claimed I owed a long overdue debt. We owe not unpaid debts to anyone ... checked our credit reports ... high scores no outstanding debts ... .they continue to call up to 5 x 's a day and I get a recording and when I call the recording they just want phone number and information ... .they do not stop this harassment and I have no way to directly contact ... no written bills of anything ever sent in the mail..this concerns me as I was on the XXXX hacking list and these calls started after this. How does this ever end??
Product: Debt collection

Refusal to provide validation of debt by way of a signed contract bearing my signature in 30 days constitutes a deletion per FCRA. I have sent them and the credit bureaus a letter requesting validation. Capital Accounts have reported to all 3 major credit bureaus that I allegedly owe a debt to them for a company by the name XXXX XXXX XXXX. I have sent them a validation dispute letter with certified receipt # XXXX ( see attachment ) and no response. 
I also reached out to XXXX XXXX XXXX and they stated that they will get back to me on this matter. They later responded by saying they no longer have this account and that their record shows a {$0.00} balance as of XX/XX/2018. They also responded by sending me a Notice of Security Deposit Letter that was addressed to a XXXX XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX. In which, I never resided at nor knows a XXXX XXXX. It's funny how they just give anybody with the same name information without verifying if I am that person. Capital Accounts are incorrectly reporting information on my credit file that belongs to someone with a similar name and some unknown person by the name of XXXX XXXX. 
I am tired of going back and forth with the credit bureaus when it's Capital Accounts LLC 's  responsibility to report accurate information to them. At this point, I will not hesitate to take legal action against them for the following : -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act - Defamation of Character Please keep in mind that these violations of the law carry a fine of {$1000.00} per violation.
Product: Debt collection

I had just received my credit update today, and my credit scores have dropped, and it 's because of this debt that I do n't owe. I 'm so furious.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL, XXXX Inquiry in Dispute : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$660.00} XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$4300.00} XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a certified letter to transunion because I was concerned about unverifiable accounts on my credit report. On XX/XX/2022 transunion sent me a letter that clearly shows they are choosing to not verify my request, they are accusing me of using a third party or credit agency and I feel that this is a violation of my consumer rights. 

I am requesting that you make Transunion follow the rules and investigate my disputes.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and hacked o. XXXX XXXX at XXXX XXXX were I worked. I would like all of my records to be wiped clean.