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

Hello, I am writing to dispute the inaccurate information on my credit report that has been reported by XXXX. According to all three credit bureaus, I was reported as 30 days late on XX/XX/XXXX, even though I did not miss any payment on this account. Furthermore, XXXX and XXXX reported a High Credit of {$1200.00}, while TransUnion reported {$1200.00}. Additionally, XXXX and XXXX reported the Last Reported Date as XX/XX/2022, while TransUnion reported XX/XX/2022. Lastly, XXXX and XXXX reported the Date Last Active as XX/XX/2022, while TransUnion reported XX/XX/2022. These inaccuracies have significantly impacted my life and financial well-being. 

I am requesting that you enforce the legal requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to ensure that the information reported by XXXX is accurate and complete. Specifically, I believe that XXXX has violated the following provisions of the FCRA and FACTA : Section 607 ( b ) of the FCRA, which requires data furnishers to provide accurate and complete information to credit reporting agencies, and to correct any errors upon notice from a credit reporting agency or a consumer.

Section 611 ( a ) of the FCRA, which requires credit reporting agencies to investigate and correct any inaccurate information in a consumer 's credit report, and to notify the consumer of the results of the investigation within a reasonable time period.

Section 312 of the FACTA, which amends the FCRA to require data furnishers to establish and maintain reasonable procedures to ensure the accuracy and completeness of the information they provide to credit reporting agencies, and to correct any inaccuracies upon notice from a credit reporting agency or a consumer. 

Section 312 ( c ) of the FACTA, which provides immunity from liability for data furnishers that comply with reasonable procedures for accuracy and completeness of information.

Section 312 ( d ) of the FACTA, which authorizes the FTC to promulgate guidelines and regulations regarding the accuracy and completeness of credit information.

I want to emphasize how these inaccuracies have affected my life. As a single mother, I am constantly struggling to make ends meet and provide for my family. Having inaccurate information on my credit report has made it extremely difficult for me to obtain loans and credit when I need it most. I have been denied credit and loans due to these inaccuracies, which has caused me to miss out on opportunities and financial stability.

In light of the violations of the FCRA and FACTA by XXXX, I respectfully request that the unverified account information be removed from my credit report immediately. I also request that XXXX takes corrective action to ensure that my credit report accurately reflects my payment history. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

This company XXXX XXXX XXXX is trying to charge me XXXX for a debt, I don't know anything about and has it on my credit report and now has turned it over for collections to a new company LVNC funding out of Sc, listed under collections on my report. This unfair for them to try to make me pay for something that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. FORTIVA MC/XXXX  Opened XXXX XXXX XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA FORTIVA MC/XXXX  has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

Dear Sir, My name is XXXX XXXX XXXX and I am XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX,, a company which XXXX XXXX   XXXX  in the XXXX VA area. 

Recently, due to an error in surveying, we have had to have a lot line adjustment on one of our sold units. This revision in the mortgage involved no change in the size of the lot or house since it involved only moving the perimeter by 2 feet. 

XXXX XXXX/Dovenmuehle Mortgage Inc., the company holding the mortgage on the unit required us to pay {$1400.00} for the revision as well as {$470.00} for an appraisal even though the house in question was only a few months old. We dutifully paid these fees on XX/XX/2020 and as of this date we still have not received the revision documentation. 

This delay in providing the revision is currently holding up the closing on a new, adjacent unit, causing the prospective owner signification delays. Last Monday ( XX/XX/XXXX ) we learned XXXX XXXX had signed off on the revision and consequently we anticipated getting the final documentation quickly thereafter. Unfortunately, after all this time, XXXX XXXXl/Dovenmuehle Mortgage, Inc., informed us the revision would take an additional two - three weeks. 

We feel XXXX XXXXl/Dovenmuehle Mortgage, Inc. has not operated in good faith and unfairly delayed a simple mortgage revision. We would appreciate anything you can do to look into this issue with XXXX XXXX/Dovenmuehle Mortgage, Inc. so the prospective buyer of the adjacent unit can receive clear title. Delays of this length by lending institutions like XXXX XXXXl/Dovenmuehle Mortgage, Inc. cause enormous grief and inconvenience that should not be tolerated. Contact XXXX XXXX/Dovenmuehle Mortgage, Inc. is listed below : XXXX XXXX Special Loans Administrator XXXX XXXX Thank you for your kind assistance. 

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

THIS IS NOT A DUPLICATE COMPLAINT OR THIRD-PARTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Texas XXXX ( since XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX On XX/XX/XXXX, I was targeted, and my car was broken into, my purse containing my social security card, drivers license, credit cards, debit cards, blank checks and account numbers were stolen as I took my newborn into daycare. Since then, XXXX XXXX has been convicted of Theft/Aggravated Robbery and XXXX XXXX has been convicted of theft of Identifying Information ( I dont know either person ) on my behalf. Both individuals have assumed my identity to open several fraudulent accounts, loans, enter into contracts and make payments using my stolen information. Many of the accounts have been open and maintained for over a year. For a period of time my personal checking account was taken over by fraud. For several years I was unable to access my credit reports due to not being able to identify myself to the bureaus as my information was mingled with the person who had assumed my identity. During that time in XXXX of XXXX, I contacted XXXX at the request of my student loan servicer and disputed the fraudulent credit card account but was told to dispute it with the credit bureaus as never late until their investigation was complete. It is my belief that I was told to do so to stall because in XXXX of XXXX I would be barred from having this account removed. Also during the time I couldnt access my credit report, student loans were opened in my name through a third-party student loan provider which blended in with my other federal loans but only appeared on my XXXX file. I have been in school continuously on a part-time bases since XXXX of XXXX until I graduated XXXX XXXX in XXXX of XXXX and have NEVER made a student loan payment as they have always been on hold due to my enrollment. Although it seems I have made a payment on the TX XXXX XXXX XXXX accounts, I havent. I would like the following information blocked from my credit report as each account is a product of the Theft and/or Forgery : XXXX. XXXX Account XXXX : XXXX Amount : {$16000.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$4000.00} XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$9600.00} Police Reports : XXXX. Agency : XXXX Police Department Offense Report Title : Forgery/Fraud/Conterfeit Report Date : XX/XX/XXXX Report Number : XXXX Officers Name : XXXX XXXX Entered by XXXX XXXX XXXX XXXX. Agency : XXXX Police Department Offense Report Title : Burglary Motor Vehicle Report Date : XX/XX/XXXX Report Number : XXXX Officers Name XXXX XXXX XXXX XXXXXXXX THE CREDIT BUREAUS ARE REFUSING TO REMOVE THE ACCOUNTS AS THEY ARE SAYING PAYMENTS HAVE BEEN MADE ON ALL FOR OVER A YEAR ( THEIR POLICY NOT TO REMOVE ). XXXX ADVISED ME TO DISPUTE THIS ACCOUNT AS NEVER BEEN LATE XX/XX/XXXX UNTIL THEIR INVESTIGATION WAS COMPLETE BECAUSE THEY KNEW IN XX/XX/XXXX I WOULD BE BARRED FROM HAVING IT REMOVED.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no information about them, and the company did it without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX  dated XX/XX/2020. The letter was confirming the approval of a forbearance plan from XX/XX/2020 through XX/XX/2020. My loan with XXXX was current prior to the forbearance approval. During the time of the forbearance period, they transferred my mortgage to XXXX XXXX on XX/XX/2020. At the time of the transfer, XXXX reported the account as delinquent/late 30 days or more to XXXX  and Equifax on XX/XX/2020 even though I was already on forbearance. The account was never delinquent. I've called and emailed them many times for resolution but no one will assist me.
Product: Checking or savings account

I received an email from credit karma about my money spend account password being changed at XXXX on XX/XX/24. I did not change my password so I attempted to sign in but couldnt because someone else changed my password. So i reset my password and while i was in the process I received another email at XXXX on XX/XX/24 that my phone number on file had been changed which I also did not do. By the time I was on my account {$1300.00} and a fee of XXXX was instant transferred out of my account to a debit card that I didnt recognize the number to. So I contacted XXXX XXXX and filed a dispute for the charges. I provided them with all the information they requested and I received an email on XX/XX/24 that my dispute was denied and their investigation deemed no errors for the transaction. I called credit karma again today XX/XX/24 and filed an appeal on their decision and requested a detailed explanation for their reason to deny my claim. This is the second time in 3 months that someone has gained access to my account and taken my money. I even changed all my security settings and had them send a new card the last time. I have not used this card to purchase anything online and have never shared my password or any information about this account with anyone.
Product: Credit reporting or other personal consumer reports

I do not recognize this debt collector Security Credit Services. I have attempted to respond by mail to this company with no response. I am unaware of the origin of this account. It indicates the account was opened XX/XX/year> and has a balance of {$1900.00}. I do not have any record of an account or contract with this company.
Product: Debt collection

Navy federal is charging me for a XXXX item that was returned which was refunded to me for only {$90.00}! They are telling Navy Federal that this is a new item! And taking {$29.00} out of my account for each item that XXXX received! They are scamming me through my account.
Product: Credit reporting or other personal consumer reports

I am THE LITIGOUS CONSUMER WHICH MEANS I AM unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. THIS IS MY OFFICIAL NOTICE TO YOU AND LAST WARNING BEFORE FEDERAL COURTS ARE INFORMED. 
These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation. Please, within 14 days of receiving this notice, mail the results or anything that has been attempted on my credit file. 

XXXX. THIS ACCOUNT IS CURRENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES ACCEPTANCE NOW Account Number XXXX XXXX. THIS ACCOUNT IS CURRENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES XXXX Account XXXX XXXX XXXX. THIS ACCOUNT IS PRESENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES WILLFULLY & amp ; KNOWINGLY XXXX XXXX XXXX XXXX  Account Number XXXX XXXX. THIS ACCOUNT IS PRESENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES WILLFULLY & amp ; KNOWINGLY XXXX XXXX XXXX Account Number XXXX XXXX. THIS ACCOUNT IS PRESENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES WILLFULLY & amp ; KNOWINGLY XXXX XXXX  XXXX XXXX Account Number XXXX XXXX. THIS ACCOUNT IS PRESENTLY IN LITIGATION AND IF NOT REMOVED WILL RESULT IN AT LEAST {$1000.00} FOR VIOLATING FCRA GUIDELINES WILLFULLY & amp ; KNOWINGLY XXXX XXXX XXXXXXXX Account XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX MI XX/XX/XXXX Please remove all non-account holding and unauthorized inquiries over 30-days old. 

Please send, via postal mail, the changes to my credit report that have been made or attempted within 14 days of this notice, the changes should be the removal of accounts and inquiries fraudulently placed on my credit report that are listed in this letter, my affidavit of truth, and my FTC report. Once again, this has not been sent in error, and is not a misrepresentation of anything. I am fully capable of settling disputes and informing the federal courts about my issues with XXXX, the credit reporting agency. 

Thank you for your cooperation Signature XXXX XXXX
Product: Credit card

On XX/XX/XXXX while booking a flight reservation with XXXX XXXX XXXX, I was offered opportunity to be approved for a Citibank credit card with bonus features ( XXXX miles and {$400.00} statement credit when paying {$400.00} for XXXX XXXX. So, before completing my booking, I called AA Citibank credit card ( XXXX ) where I was assured I fulfilled both requirements ( not haven received a statement credit or bonus miles on a new credit card within 48 months prior ) to receive the bonus offer. So I filled out the online application via XXXX XXXX reservations and was instantly approved and provided a digital account number to use to complete the reservation. First I wanted to print the page with the account number so I clicked the box to " print this page ''. I swiveled in my chair to reach the printer so see that instead of a page with the account number, the terms and conditions being printed, way more than a page so I cancelled the waste of printer ink. Immediately I turned back to my computer to see I had been logged out due to timeout. At most, a minute had passed. I called the same customer service number to get the virtual number but was told : they could not see or give me the account number or cancel the credit card and there was nothing they could do to help. She said the website times out so quickly for " security reasons ''. When I asked to escalate, I was told the supervisor would tell me the same thing. She said there was nothing anyone could do and I would have to wait 7-10 days for the actual card to arrive in the mail. But, I needed to book the flight today and my mail was being held for 30 days while I was unavailable during that time period. I went back to XXXX XXXX website to try to find the approved credit card but it was not retrievable. So I tried to book the ticket and was again offered the same credit card bonus offer. But if I request approval for another credit card, I will have a new credit card on record, one approved 5 minutes earlier, definately within the 48 month period. I plan to not activate the card after it arrives. The reason I wanted the credit card was to be credited for the airline reservation. In order to book the flight, had to make the reservation without the credit card so I want to cancel this credit card. Can you please help with this misleading offer that deletes the new account within a minute and will not allow to cancel the application five minutes after approval? I have been an AA Citibank customer since XXXX and this is only the second time in 25 years I have applied for a new credit card and both times they have misled me.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). It is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. The company was not willing and able to produce any documentation that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Nor did someone within your company provided authenticated documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

The follow accounts are as follows : Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Name of Account : MECHANICS BANK AUTO FI Account Number : XXXX Name of Account : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

Commonwealth Financial Systems purchased my debt from 4 years ago and have since been contacting me concerning it. I told them that the state of Arkansas has legislature in place that we can not be harassed about medical debt after 2 years. They are now lying and saying that the debt is only 3 months old and was acquired on XX/XX/2017. They call so much that I have had to block their number and they still continue to call.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

XXXX XXXX and his unauthorized team had accessed my personal private information without my consent. This a breach of privacy and it must be investigated. Ever since XXXX had accessed the Treasury systems and Social Security I've have been receiving all sort of phishing attacks via email, text messages and phone calls. My information in now out there for thieves to attack at any moment. I've made calls to my representatives in Congress and no one seem to care. Please let me know any other course of action that I should take to bring attention and resolution to this matter.
Product: Checking or savings account

I am writing for I have previously disclosed that I have been a victim of identity theft. This has lead to transactions being made using my information, including debit card, address and other information without my authorization. 
I provided to discover that I am a person with a XXXX and I have the experience of this being use against me from the part a third party who has being able to use my information maliciously.
Product: Money transfer, virtual currency, or money service

I have reached out to XXXX Netspend Prepaid Mastercard several times to resolve my issue loading funds however no resolution has been made. I am unsure as to why I can not load funds but error code provide by loading service indicated error code " Redemption Refunded '' is provide when funds are attempted to be deposited by Reload It Pack. I wait on hold today for XXXX hrs and XXXX   minutes after briefly speaking to Customer Service Agent who stated I would be placed on hold for 3-5 minutes. All other attempts prior and after have never been as successful as to recent attempt by XXXX Netspend Prepaid Mastercard Customer service agent.
Product: Credit card

On an initial complaint filed with the cfpb against kikoff for a billing error that occurred XX/XX/23 where the customer service agent could not find the charge to dispute it. Kikoff responded by having a senior account specialist contact me to process the dispute on XXXX and I was told that this could take up to 60 days. 

On XX/XX/23 I called to follow up with the dispute and see what was taken so long, only to be informed that the dispute handled by the senior account specialist on XX/XX/23 was NEVER even processed and that the dispute would need to be re submitted. 

It has now been XXXX days since I began disputing a transaction from XX/XX/23 for the amount of {$310.00} from XXXX XXXX XXXX themselves admitted to the gross miss calculation and billing error and advised me to file a dispute saying that this would be the fastest way to have my money returned to me. 

Now XXXX months later, 3 senior staff members from kikoff, 2 complaints with the CFPB and this dispute hasn't even been initiated by kikoff yet. 

What do I have to do for kickoff to comply with FCRA a FDCPA regulations?
Product: Credit reporting, credit repair services, or other personal consumer reports

Several disputes have been submitted regarding these accounts since XXXX 2020. You can not validate a debt without following the proper validation. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.