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

On XX/XX/2023 The Credit Bureaus stated Accounts, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX were properly investigated but how is that possible if the open date is innaccurate, the date last active is inaccurate including last reported date is not accurate. I have verified the reports on these accounts and everything highlighted is not matching each credit bureaus. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Courthouse stated that they did not report to Experian nor XXXX  that a bankruptcy had been filed in my name. This information that is being reported inaccurately on my Experian and XXXX is in severe violation of the FCRA which states that my privacy is being violated and it also states that a bankruptcy should not be reported beyond 10 years. It does NOT state that it has to remain on the report for 10 years, which is what I am being told by each rep that I speak with.
Product: Credit reporting

Someone opened several credit cards under my name. XXXX XXXX appeared twice on my credit report. I disputed the items and XXXX XXXX sent a letter indicating they removed the items from my credit report. 2 weeks later I received a letter from XXXX XXXX stating they sold the account to XXXX XXXX and I would have to follow up with Portfolio Recovery. I called XXXX XXXX and they have been impossible to obtain information, I then submitted the dispute with the credit bureaus and have not received any assistance on removing inaccurate information from my credit report.
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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Commonwealth Financial systems, XXXX XXXX XXXX, XXXX XXXX, PA XXXX Account # XXXX Commonwealth Financial systems is reporting a dept that I have no knowledge of and that the listed original creditor can not verify after contacting. The listed date of first delinquency date XX/XX/XXXX to the listed Assigned date XX/XX/XXXX date Exceeds the 5 year Florida statue of limitations for collecting medical dept. this account was outside of the statue of limitations at the time of reporting please REMOVE THIS ACCOUNT. 
The listed account number does not match the account # provided on their notice. 
The listed balance does not match the balance listed on their notice. 
Commonwealth Financial systems did not provide me a notice and give me 30 days to respond prior to reporting. Their notice was provided XX/XX/XXXX nearly 3 Months after they listed the account on my credit report. The notice was provided after I disputed the information stating that I did not receive a notice. 
It is required by law that the information on my report be accurate PLEASE REMOVE THIS ACCOUNT! It is reporting inaccurate information and I have no knowledge of it. the listed original creditor can not validate it.
Product: Credit card

I went to Sears XXXX in XXXX 2013 to get XXXX for my son. They said if I put the amount due XXXX {$3400.00} XXXX on my Sears Card it would be interest free for two years. I already had a balance on my Sears Card, and I was making monthly payments. I just received my Sears Statement today and while the balance was {$4900.00} last month, it is now {$7100.00}. A charge of {$2300.00} representing interest was charged to the account. If the original amount for the service is {$3400.00}, how do you get {$2300.00} in interest after two years? This does not make sense.That is a 69 % interest rate. Is that legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got my social security number and thus got my birth date and CA. license information. I am afraid they will try to get credit cards, loans, drain my checking account and other nefarious aacts. I need protection so as not to be held liable for any unauthorized use of my Social security number, CA. license number, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are incorrectly reporting a bankruptcy on my credit report I don't have
Product: Debt collection

Kramer and Frank XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX I had an account sent to collections to be managed by K & F. In my several attempts to reach customer service and their office manager, I left MANY voice and emails which went unanswered for days. Finally, upon reaching the office manager, XXXX XXXX, on XX/XX/XXXX, I was able ( after several attempts ) to make a payment via a direct debit from my checking account which satisfied the entire debt ( {$3600.00} ) and effectively closed my account with K & F. I received both verbal and written confirmation of this from K & F. However, on XX/XX/XXXX, K & F garnished my paycheck ( {$530.00} ) AFTER my account was satisfactorily closed. Upon dozens of attempts to call, leave voice mails, and emails for customer service and the office manager, XXXX XXXX, to receive a refund of the money they now owe me, not a single phone call or email was returned to me. It has now been over 14 business days/three weeks after my account was satisfactorily closed and K & F illegally garnished my paycheck, I still have not received any form of communication from any individual or employee of K & F to address the refund owed me. This absolute lack of customer service and communication is unacceptable. They seem to be available at best sporadically to take money owed to them, and they are available NOT AT ALL to refund money they owe to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 8 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, XXXX XXXX
Product: Debt collection

Calvary XXXX XXXX received the COMPLETE debt payment in XXXX XXXX. They DID NOT give this payoff info to any of the credit bureaus. This resulted in me being UNABLE to ACQUIRE any CREDIT for the last TWO YEARS. They further lied to me and told me it was NOT their responsibility to report this payoff, and yet it was. They have INJURED my CREDIT WORTHINESS for TWO YEARS due to not properly reporting this info. 
When I spoke to someone at Calvary in XXXX XXXX, they did their best to throw me off onto trails of misinformation. Told me to call the courts, told me to call the other company, told me to call the other attorney ... a huge amount of nonsense, and days of phone calls and follow up, only to hear for the court and the attorneys that CALVARY was SUPPOSED to REPORT this PAID OFF DEBT back in XXXX.
Product: Credit reporting or other personal consumer reports

Eqifax will not verify identity even after I sent in all information asked for
Product: Credit reporting or other personal consumer reports

Thank you for your response regarding my recent dispute. I appreciate you looking into this matter. 

I wanted to clarify that my dispute concerns aligning the reporting format of the Date of First Delinquency field with Metro 2 standards, rather than the factual accuracy of the date itself which you verified. 

Specifically, Section 18.3.2 of the Credit Reporting Resource Guide 's published Metro 2 guidelines requires that dates of first delinquency be reported in XXXX format for accounts more than 24 months old. 

As a furnisher, XXXX is obligated under the FCRA to report consumer credit data, including dates, in compliance with Metro 2 technical formatting standards.

As such, I kindly request that XXXX reformat the Date of First Delinquency on this account to follow the XXXX format required for dates over 24 months old when you report this data field to the credit bureaus. The bureaus rely on furnishers to provide Metro 2 compliant information.

Please let me know if you have any other questions or need clarification regarding this Metro 2 dispute. I appreciate your cooperation in ensuring furnished data aligns to mandatory reporting standards. 

Thank you again for your assistance. 

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

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

I complain to XXXX on multiple occasions to remove account XXXX Which is reporting fraudulently on my account I never received any XXXX and was charged XXXX dollars Please help me
Product: Checking or savings account

CHASE BANK has serious security breaches and has repeatedly allowed fraudulent withdrawals from four different checking accounts. 

In XXXX, my driver 's license was stolen and used by someone in the XXXX ( XXXX XXXX in XXXX ) to withdraw money from my checking account. That original account was closed by CHASE and a new one opened. Despite " alerts '' Chase claims it put into my account information, the new account was also robbed, so a third account was opened, and the same thing happened. The total funds fraudulently withdrawn from three different branches in the XXXX amounted to {$6000.00}. This money was eventually refunded when my claim was validated. 

HOWEVER, the story continues. In XXXX, a friend died and as co-executor of her estate, the other executor and I opened an ESTATE ACCOUNT in the dead woman 's name at Chase, to be used ONLY for distributing the funds to her beneficiaries. In XXXX, XXXX, someone obtained the number of that account and fraudulently withdrew {$1900.00} from yet another Chase branch in the XXXX, forging my signature on a withdrawal slip. This was their only ID, since I had cancelled the ATM card after the first robbery. 

It is shocking to me that someone at CHASE is providing numbers of NEW ACCOUNTS to thieves. What can your agency do about this horrifying breach of security?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is a fraudulent account. I have claimed this as fraud. I have sent my FTC report, Drivers License bank statement, FTC Letter. 
I've asked for this account to be blocked experience told me that they would not remove or block it, even though XXXX has no record of this account or balance. 
XXXX said that they were provided with information to validate the account and XXXX said that was a lie.
Product: Checking or savings account

Ive been using US bank for over a year now and they were a good bank or so I thought for awhile then recently I got a large check plus my paycheck and it was an anniversary and my account said I had this amount of money and apparently I did not. It takes a few days for charges to go from pending to completed and about the 3rd from the last charge I got hit with an overdraft fee saying my account had gone negative which confused me from what my balance previously said and then another transaction cleared and another overdraft charge and finally a third one thats been pending for four days is about to clear which will make a third overdraft charge totaling {$100.00}. I called the bank and tried to talk with them about it and they said there was nothing they could do and I would receive a {$36.00} charge for any all pending transactions still on there. Im in astonishment a bank can charge you three overdraft fees in essentially two days for charges made with the account balance seemingly fine during purchasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online collections. Company made Threats and tarnished credit file while diagnosed with XXXX XXXX. Company added stress to regarding payments. Unable to work due to XXXX. Requesting removal of late payments and negative tradeline
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/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
Product: Checking or savings account

US Bank closed my account which included checking & credit card for alleged suspicious activity. They WILL NOT tell me when I can get the money from the checking account because " they are investigating a wire transfer into the account ''. The wire transfer came from my account at XXXXXXXX XXXX which had sufficient funds to send. I am concerned they are conducting a " XXXX inspection '' a la " Days of Thunder '' movie referring to XXXX inspection practice of leaving product they don't want to let into the country sit on the dock & rot. 

It has been over 30 days since I was denied access to all my accounts with US Bank & have received NO COMMUNICATION AT ALL from them. My repeated calls to the bank have been referred to a young lady named XXXX phone number XXXX ( XXXX ) XXXX in the fraud department, her working hours are from XXXX XXXX. to XXXX XXXX. XXXX  thru XXXX  PST according to her voicemail greeting. I have left SEVERAL messages on her voicemail with my name, phone number & requests for a call back but have yet to receive any response at all. The " bankers '' I have spoken with say there is no escalation process for them to follow when a customer seeks further information on ANY ISSUES WITH THEIR ACCOUNT. 
I need the money in that account to pay bills that are now overdue & accumulating late fees quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Error in reporting Bankruptcy without consent and proper debt validation. Also addresses are listed without consent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information being reported by LVNV Funding regarding three accounts that are currently listed on my credit report. The account numbers are as follows : XXXX XXXX XXXX I am informing you that I have never had any agreement with LVNV Funding nor do I recognize any of these accounts. Additionally, there is no original creditor listed on either of the accounts, which violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have already requested debt validation from LVNV Funding regarding these accounts, but to date, I have not received any verification of the debts as required by law. Furthermore, these accounts are not being reported in accordance with the regulations stipulated by the FCRA and FDCPA. 

I demand that these accounts be deleted from my credit report immediately. I would also like LVNV Funding to reference the case of XXXX XXXX XXXX, XXXX, where the court held the collection agency accountable for failing to verify accurate information and adhere to FCRA guidelines. 

Please address this dispute promptly and notify me of the actions taken. I expect these accounts to be removed from my credit report without further delay. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I received dispute results on XX/XX/2024 from Equifax stating that we verified that this item belongs to you for The Bureaus ( XXXX ) and XXXX XXXX management ( XXXX ). For all 3 CRAs, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is a violation of 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt bearing my signature in wet ink, method of verification, as well as proof of your authority in this matter. Otherwise delete this information from my credit report immediately. 

On my Equifax report, XXXX XXXX XXXX ( XXXX ) is showing on my report as a collection account, late 120 days, with a past due balance of {$820.00}. I see several violations including : 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports, 15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information, 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy, and US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus. Please delete this account immediately.