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

Dear TRANSUNION : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me. Any help you can give me with updating this information as soon as possible would be greatly appreciated. As a reference I am including a copy of page one from the credit report File Number : XXXX, Date Issued : XX/XX/XXXX My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Address : ( 1. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX, Date Reported : XX/XX/XXXX, ( 3. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 4. ) XXXX XXXX XXXX PL, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 5. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 6. ) XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 7. ) XXXX XXXX XXXX XXXX CT, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 8. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 9. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 10. ) XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 11. ) XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 12. ) XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( 13. ) XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, Date Reported : N/A, ( 14. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, Date Reported : XX/XX/XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, Date Reported : XX/XX/XXXX. I will await an updated copy of my credit REPORT to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to TransUnion on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts that are on my credit report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an hard inquire from old Navy in XX/XX/2020, I didnt applied for any credit card in that time but the inquire is there and is affecting my credit score. 
I called the company and they say that dont have information about that and they was asking for my social security and information even that say that they cant help me to solve the problem.
Product: Debt collection

On XXXX-18 I sent a certified letter ( tracking # XXXX to XXXX XXXX which was received on XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX. XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company was paid in full. I found out that they were not licesnsed to loan in XXXX State. I cancelled the loan after the state told me that the interest was illegal. Found out that they are reporting a charge off erroneously on my credit report. {$1900.00}. Original loan was {$800.00}
Product: Vehicle loan or lease

I entered into a three year lease with BMW Financial through XXXX XXXX BMW in XXXX SC, XX/XX/2019. I leased a XXXX XXXXXXXX and my ending lease residual in the lease contract is {$30000.00}. Upon lease end, I choose to buy the vehicle and notified my salesperson, XXXX XXXX. XXXX XXXX stated that we needed to bring the vehicle in for the BMW a lease end inspection. I took the vehicle to the dealership on XX/XX/XXXX for the inspection ( I had extended the lease for one month through BMW Financial ). The next day XXXX XXXX called and stated that the inspection was complete and that he would send me a proposed finance agreement for financing the purchase of the vehicle. When I received the finance agreement from the dealer the selling price was {$33000.00}, which is {$3400.00} higher than the BMW contract residual amount of {$30000.00}. When I questioned the difference, XXXX XXXX made reference to hand written figure on the sales document of XXXX that read : refund coming from BMW for the miles. If that money is due me from BMW, it should have nothing to do with the residual price of the vehicle. I appears that XXXX XXXX BMW is engaged in deceptive business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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: Debt collection

Dear CFPB, I am writing to formally dispute the following information on my credit report, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX. 
Account Information to Dispute Creditor Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : charge off Date of Entry : XX/XX/year> The information listed above is incorrect for the following reasons : This creditor does not have this debt any longer. They gave it over to XXXX XXXX XXXX XXXX and I do not have a contract with this collector. 
Under the provisions of the FCRA, specifically XXXX XXXX XXXX XXXX, and XXXX. XXXX XXXX I request that this dispute be investigated within the 30-day timeframe required by law. I also request that any inaccurate information be corrected or deleted as appropriate. Failure to properly investigate or rectify the issue may constitute a willful violation of the FCRA, which may result in penalties as outlined under XXXX XXXX XXXX XXXX. and XXXX XXXX Enclosed are the supporting documents I am providing for your review : Current Creditor Letter Please send me a written response confirming that the dispute has been resolved, and if corrections have been made, I request that an updated copy of my credit report be provided. 
I look forward to your prompt resolution of this matter. 
Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 LCI Consumer Dispute Department XXXX XXXX XXXXXXXX XXXX, CA XXXX Subject : Dispute of Failure to Provide a Consumer Report Dear LCI Consumer Dispute Department , I hope this letter finds you well. I am writing to dispute the failure of LCI to provide me with a consumer report or all documentation you have pertaining to me, as required by law. 

As a consumer, I have the right to access and review my consumer report in order to ensure its accuracy and to address any potential errors. However, despite my request for a copy of my consumer report or all documentation you have pertaining to me, LCI has failed to fulfill its legal obligation to provide me with this information.

I kindly request that LCI immediately rectify this situation by providing me with a complete and accurate copy of my consumer report. This report should include all the information that LCI maintains about me, as well as any other relevant data that may impact my creditworthiness.

I would like to remind LCI that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies provide consumers with a free copy of their consumer report upon request. LCI 's failure to comply with this legal requirement is a violation of my rights as a consumer.

I trust that LCI will take this matter seriously and address it promptly. I expect a written response within the 30-day timeframe mandated by the FCRA, confirming that you have provided me with a complete and accurate copy of any records you have containing my information.

Furthermore, I request that LCI provide me with a detailed explanation for the failure to provide me copies of any documents with my name and information and any steps taken to rectify this issue. I also request that you provide me with any documentation or records related to my request for a consumer report.

Please be advised that I am prepared to take further action, including seeking legal remedies, if LCI fails to rectify this situation appropriately. I hope it does not come to that, as I believe in the importance of transparency and accountability in the credit reporting process. 

Thank you for your attention to this matter. I look forward to your prompt response and the provision of my consumer report. 

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

I filed a claim at the beginning of XXXX after my purse was stolen and subsequent charges were completed on all of my cards. My debit card, credit card, and cash card were all used to make a variety of transactions. While the dispute was processed, I was credited these amounts back. Yesterday, I come to see that all of the charges I was refunded, have been suddenly charged again with the notice " unable to pay ''. Bank of America has not sent me formal documentation stating why my claim was denied and needs to be reopened, and now I have an overdrawn balance on my credit for purchases that I did not make. I think it absolutely obscene that this XXXX dollar company expects my broke self to fit the bill for an injustice done against me with no effective communication or proper explanation.
Product: Debt collection

On or about XX/XX/20, I received a demand letter dated XX/XX/20 from ARCO regarding an alleged debt owed to XXXX XXXX XXXX. ( I am still trying to find this initial letter in my records ) I responded to the XX/XX/20 demand letter by placing a letter in the mail on XX/XX/20 ( attached ) disputing this alleged debt and requesting validation under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). This letter requests " that you cease all collection activity while you collect the aforementioned information ''. I did not receive any validation response to my letter dated XX/XX/20. 

However, months later, I received a " past due '' letter dated XX/XX/20 ( attached ) in violation of 15 USC 1692g Sec. 809 ( b ). See below. 

" ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''
Product: Debt collection

I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( PARAMOUNT RECOVERY SYSTEMS ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( PARAMOUNT RECOVERY SYSTEMS ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethic 's violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I informed PNC Bank by mail that my wife XXXX XXXX XXXX XXXX XXXX XX/XX/2023. I stated there was no estate or money to pay her debt. PNC Bank called me on several occasions stating I was a joint owner and responsible for the debt. I disputed the debt and explained I was an Authorized User not a joint owner. In a letter dated XX/XX/2023 PNC Bank informed me the credit card account has been been updated. My wife 's name removed and replaced by my name. In reply letter dated XX/XX/2023 I again disputed the debt. I asked for written validation that showed I was joint owner. To date PNC Bank has not replied in writing to my concerns or requests. However, PNC Bank did report to credit reporting agencies that I was 60 days over due on payments to the debt without saying the debt was in dispute. My credit score was dropped XXXX points and I was denied credit when I tired to replace my XXXX XXXX XXXX furnace and air conditioner. PNC Bank closed my wife 's checking account and placed a hold on {$2500.00} balance in the account. PNC Bank never notified me or gave me access to my wife 's checking account. They have a copy of my power of attorney authorizing me access to my wife 's financial accounts. PNC Bank is still calling me to the point of harassment.
Product: Mortgage

Follow-up Documents to Complaint XXXX / Scam Alert?? 

As previous mentioned, I want answers as to how my mortgage was placed under Bankruptcy when I, the sole owner has not filed bankruptcy!!?? My XXXX mother lives with me. She has filed for bankruptcy. She is not listed on any documents related to my mortgage. However, Flagstar has placed my home in their " bankruptcy department ''. They are also charging me for " Legal action and fees ''. Why? If they had searched public records they would have known this was an error. I am starting to think this is some kind of scam ( place accounts under bankruptcy, then charge owner for " Legal action and fees '' ).
Product: Debt collection

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I apologize this complaint may not be categorized correctly as I didnt see any more related prompts. 

I checked my credit score and it dropped 73 points, from XXXX to XXXX. I triple checked to make sure I made now late payments, or messed up anything and confirmed I did not. In fact, I got a notification that I paid down my credit card debt which historically has actually increased my score due to a better credit card utilization rate. This seems very odd that such a drop could occur, putting me the 2nd to lowest tier when I was in the 2nd to highest tier previously. Please advise and let me know what or who I should chat with about this. My credit is very important to me especially now when were looking to buy a home.
Product: Credit reporting or other personal consumer reports

Capital one is my Cradit card company i percussed {$3000.00} XXXX XXXX name is ANOYMOUS on date XX/XX/year> and i realis this company scam then i was contact them hey i do not need your servicing and can you refund my money back on date XX/XX/year> time frame is under 30 days .then Merchant do not answer and i was call my Cradit card company they file as dispute and Cradit fund temporary base .then and now i was summited my written statement send capital one XXXX time but they not agree with me and XXXX time and more i was spoke with capital one customer service people try to Resolve my issue and they just transfer phone and get all my statement and XXXX min call duration each time .My request is just Resole this issue i will make payment rest payment Right away and remove 120 day late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REFUSING TO REMOVE A ACCOUNT THAT IS NOT MY ACCOUNT
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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

XXXX, Equifax XXXX XXXX has been reporting inaccurate information on my credit report that has negatively impacted my scores. I have submitted on numerous occasions supporting documentation to show the inaccurate information and have requested the removal of them to no avail. FCRA 605b section a states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have furnished all supporting documents and they are still reporting the inaccurate information
Product: Bank account or service

This morning my husbands debit card was declined after working a 12 hr shift while finishing his 80 hr work week.. he came home very frustrated. He asked me to call the bank to figure out the issue.. so I did and left a message. This call center first of all is very hard to get ahold of even on days they are open!!! I left a message this morning and asked for a call back in regards to my accounts. Later that afternoon I got a call back saying they ca n't help me because my name is n't on the debit card and it does n't matter if it 's a joint account with both our names and I 'm the primary, I then asked to talk with the supervisor, which I was informed I will get a call back within 24 hrs.. I 'm frustrated at this point because all I want to know is if my husbands card will work for him later when he has to return to work at XXXX he 's sleeping.. finally I get a call back again and I speak with a named XXXX who was playing games with me.. I asked him if I wake my husband up what information does he need so I can tell him mind you my husband is snoring dead tired.. he says when I speak to him I 'll tell him.. okay ... so I 'm not stupid I say ca n't he just give you his social and name, address?? He tells me he 's gon na need his debit card?? So he wanted me to wake up my husband go get his debit card in the car outside., its freezing and I 'm in my robe..Long story short these people in the call center are rude they play games hang up on you and treat you like total XXXX!!!! They need training and to be replaced! I do n't have time to play games with someone at work where they are getting paid! All I wanted to know was why we could n't access our money.. it 's ridiculous!! I woke my husband up and he gave all the information they need he hands me the phone and I said a curse " word '' meaning finally.. the person said sorry ma'am you ca n't curse at me, when I did n't! And hung up on me!!! After I did everything they said!!! I 'm so frustrated that they could n't just tell me that they were having system issues and they are sorry about the inconvenience because in the end that was the problem.. system was down so my husbands card did n't work anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet twice once a couple of years ago and sometime ago, Someone must've gotten hold of all my information and created so many fraudulent accounts, under my name. someone told me about creating an account with XXXX so I can check my credit. when i saw the thing that was on my credit report i quickly made a police report and i also contacted the creditors. Im still waiting on a response from. 


thank you