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

To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX XXXX Account info Account number XXXXXXXX XXXX XXXX Loan number XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months. 

I'm also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your prompt attention, time and help in this matter. 

Sincerely,
Product: Debt collection

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : LENDMARK FINANCIAL SER Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.
Product: Credit card or prepaid card

Reduced my credit limit on my Capital One card which I have had for 15+ years from {$30000.00} to {$10000.00}. I have had no changes in credit scores or payment history. Talked to two different representatives and two different supervisors on XX/XX/20 and was told reduced because of only using a portion of my credit limit. I received said email on XX/XX/20 explaining the same. They also indicated there was no appeal process and there was nothing they could do to assist me other than document in my record the concerns I indicated to them on the phone. 

I requested they return my amount to {$30000.00}. I requested an appeal of this process. I indicated I was also concerned because I just turned XXXX and they seemed to be coincidentally using my age against me. Most importantly, this decision makes no financial sense to me what so ever. It also seems very unfair to not have a formal appeal process to resolve said issue.
Product: Debt collection

The original creditor XXXX was removed from credit bureau for reporting inaccurate info. Midland funding continues to try to collect on bad debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft in the past. I recently noticed some unauthorized inquiries on my report that are NOT mine on my XXXX and XXXX credit report. Incorrect inquiries on my XXXX is XXXX XX/XX/XXXX. 
Incorrect XXXX inquiries are XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  we bank is NOT my account. Please remove. XXXX XXXX XXXX a collection account is reporting Inaccurate comments. This account was paid in full. Please remove all these inaccuracies on my credit profile. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth in regards to my credit and identity theft results for more than 5 years and I am very frustrated. On my credit report with XXXX  I have an inquiry that is a result of identity theft because it is not mine and I have never given anyone permission to use/run my credit. The inquiry is : XXXX XXXX XXXX Inquiry from XX/XX/2019 On my credit report with Equifax I have the following fraudulent accounts - XXXX XXXX - XXXX  - XXXX XXXX On my XXXX   credit report - XXXX XXXX - XXXX  - XXXX  XXXX  I continue to dispute these accounts as results of my identity theft with no success. All I receive are general responses saying they are valid with no proof. I have even sent police report information and identity theft report information and numerous FTC complaints.
Product: Debt collection

I have been a victim of identity theft and as a result a collection account with Southwest credit collections is on my credit report.
Product: Mortgage

I have a previous complaint that is still in progress. I finally got a hold of the mortgage company Carrington Mortgage and found out what I needed to complete the loan modification. I waited for weeks and even tried numerous times to reach the company. Each time I was made to wait long periods of time. I am presently in a XXXX education program and I student teach so I can not afford to wait on the phone all day. When given the option to have a callback, I selected yes but no one calls back that day. I waited for more than a week until someone called. Unfortunately, I was in the middle of XXXX. Finally today I got a hold of someone. They told me that all my paperwork was in but that I missed the deadline. Not once was I told about a deadline. Even if there was, I think that it is very unfair not to be give the information I need to complete the file. Then I am penalized for being late due to the company not answering my call or even calling me back. This is ridiculous and is not professional in my opinion. I need this situation escalated.
Product: Debt collection

This was settled in 2022, through XXXX XXXX XXXX. However, almost two years later, PORTFOLIO RECOVERY ASSOCIATES, L.L.C, a different debt collection agency, has erroneously attempted to collect the same debt. Their actions have negatively impacted my credit by falsely reporting the already resolved debt, resulting in a drop in my credit worthiness, score, loan denials, and higher interest rates. Despite informing them in advance that the debt was paid, they persisted in their collection efforts. I am now seeking compensation for the damages caused by their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute and sent them certified mail that they received on XX/XX/2023. It is to my understanding that by law they have 30 days to get back to me with the results or delete all the accounts in question. They sent me a letter saying they wont process the request unless it came from me. It certainly did come from me and I even mailed it out from the post office right next to my house.
Product: Credit reporting

Around XXXX XXXX, 2015, I received a copy of my credit report from " Experian. '' I noticed that a false entry from a " XXXX XXXX '' debt collectors for the amount of $ XXXX on behalf of " XXXX '' was unlawfully entered onto my " Experian '' credit file. When I called up " Experian, '' I told them that I have had " XXXX '' for the last 17 years as my T.V. viewing and NEVER " XXXX. '' They at " Experian '' still refused to remove this false credit entry off of my " Experian '' credit report.
Product: Debt collection

I have been the victim of identity theft and had multiple accounts opened under my name without my consent including Paramount Recovery. I have previously provided FTC report documenting the fraudulent activities due to my identity theft and this company has failed to comply with FCRA reporting guidelines for Fraud/ID Theft.
Product: Credit reporting or other personal consumer reports

There is a hard inquiry into my XXXX without my consent. 

XXXX XXXX XXXX on XX/XX/year>
Product: Debt collection

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in APS reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child  and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Product: Money transfer, virtual currency, or money service

This account was established for my government unemployment deposits. I had security set to advise me, via text message, of all transactions. 

On XX/XX/XXXX I called to check my balance and heard transactions that were not mine, ( XXXX ) XXXX XXXX dollar bank transfers on XX/XX/XXXX. I thought it had to be an error, I called Reliacard and was transferred to fraud dept. I informed them that I did not authorize any ACH transfers nor have I ever done any ach transfers on my account. 

I have written and called Reliacard on several ocassions to no avail for over a year waiting for requested proof of documents for the change of data. I filed a police report and provided them the information, to no avail. They've responded no error found and send me transaction information instead of history and proof that I made the call or change of record! 

During a conversation with the fraud dept, their notes indicated the phone number change was by a male. I told them it was impossible, how could they make a change and not follow up and confirm with written notification. How could they accept change information from a male! I never received notification that such a request was made. 

They only replaced the bank card and account number. Never provided any proof I made the change and ach transfers.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

to whom it may concern, I am writing to dispute certain inaccurate information appearing on my credit report maintained by your bureau. Upon viewing my credit report, I noticed discrepancies in the account section, which I believe is inaccurate. Below are the accounts that need to be reviewed and potentially removed or corrected from my credit report. Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I certify that the information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above promptly remove or correct any inaccurate information from my credit report. Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to any one who received my credit report in the past 6 months. Sincerely,
Product: Credit reporting or other personal consumer reports

On the XXXX of XX/XX/2023 I sent all three major credit bureaus letters asking them to verify my debt on my report. Experian and XXXX answered immediately and prompt, XXXX on the other hand actually sent a letter on XXXX of XX/XX/2023 stating that they had no file on me that I would have to send all this information to them so they could identify me. I called the next day and confirmed my identity to them and in fact they did have a file on me and they would send out the verification and credit report immediately. So now XXXX XXXX and Experian have sent back copies of my credit report and have also stated in writing that everything is verified correctly. 
As of right now my credit report id showing inaccuracies. 15 USC 1681 S-2 ( A ) ( 1 ) states that a person shall not furnish and information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

The practices of Bank of America in regards to how they assess interest on my card is ABUSIVE DECEPTIVE AND UNCONSCIONABLE. I have owned this card for over XXXX years, and their practices have differed recently from those that I agreed to when I first opened the account. According to my original terms, We will not charge you any interest on purchases if you pay your entire balance by the due date each month. But this is not what they are doing in practice. I recently experienced interest fee charge despite the fact that I paid my entire balance by the due date. When I called the representative to inquire about the interest charge, she was nasty and extremely rude to say the least. Wouldnt let me talk or ask any questions. She wouldnt offer any assistance and told me to figure it out on my own because BOA doesnt explain how it calculates interest. And when I simply said why Id see interest charge at all when I paid off my entire statement balance, she very rudely stated that its the banks practice to look to prior months remaining unpaid balances as well as the current month balance. Its astonishing that is the response I would receive. I asked her to submit claim for my interest charges because they were incorrect, but she was arguing with me and did not want to submit my claim. So I have no reasonable understanding of my interest charges, and again am demanding they be all refunded for XXXX and XXXX. This practice is extremely unfair to aggregate prior history into a current statement balance and since this is NOT a term I ever agreed to, its not something BoA can charge me. I want all interest refunded. Discuss XXXX XXXX or external counsel XXXX if needed but in sure theyd agree this is ripe for class action litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish accounts. 

Accounts XXXX XXXX XXXX - Opened 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
Product: Checking or savings account

First Horizon XXXX XXXX XXXX XXXX, XXXX, TN XXXX The main conflict occured roughly XX/XX/XXXX XXXX XXXX XXXX the beginning I was treated as if I wasn't a customer and a liability by the XXXX XXXX. That goes into great detail. Long story short, she got a false accusation from a third party saying I had a warrant for my XXXX  commanding I be removing from my home by XXXX instructing him to take all my bank information from the old account documents card ect which he didnt do because he knew and stated the situation was crazy ( with multiple lengthy calls XXXX? ). She then started a financial investigation writing Negative {>= $1,000,000} XXXX onto the account, started an elderly abuse investigation and I was told after all was settled the account would be re opened. I think the financial abuse investigation was terminated by her as 13? 14 days hadnt passed and she had switched the account off within probably 4 days. I passed the investigation ( s ) and now im being told more lies and excuses as to why I can not open the account or as to why it hasnt re opened. Ive called multiple managers and they all give a different answer. It hasnt been 2 years and she opened his old account with his deceased adopted daughter who passed as of XXXX and they are telling me I can not open the account and that I have no grounds and that two people need to be present. Which doesn't seem to be their track record or what I was originally told. They also claim there was no significant amount of cash in the account before closure, which there was. And claim the account is at a XXXX balance which makes it not worth opening ( thats because all funds were moved right around the same time I deposited a check ), but if there was cash in there they could do something. TO much XXXX. Also told my grandfather I was stalking him and told me I hacked him because she didnt change my email off the account when she switched things over. I was doing my research and heard it can have future penalties, and they wont disclose any information from the account to me so I Dont know if it was closed as an on going financial abuse investigation or what have you. I appreciate your help thank you. Also reported scam transactions on the account and was called stupid, and then blamed for it a few days later when XXXX got hit with a bigger false transaction by XXXX. 

I really dont want the company to " review '' this, as soon as I went in to speak with XXXX to settle this issue she opened her email and sent a message out ( as were speaking ) which dulled the communication I was getting from other Bank Managers . 

I am also currently very sick and navigating through life has been hard, should be getting the medicine soon and over this turmoil.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Debt collection

LVNV FUNDING LLC has reported false and incorrect information on all XXXX credit reports, this is unprofessional for a company to falsely reported incorrect information on my credit report, I would like to have this false incorrect information to be removed from my credit report. The credit card was closed on XX/XX/XXXX with REVVI, I haven't opened any account with LVNV or XXXX  on XX/XX/XXXX, I don't understand why this company would report incorrect information knowing that's its false.