23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This Company just all of sudden reported this debt on my credit report without notice.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report for the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. 

I have contacted the bank regarding this late payment, and they have approved updating the following accounts to " closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. I also request a copy of my updated credit report once this correction has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper investigation '' according to the FCRA The term " investigative consumer report means a consumer report or portion thereot in which intormation on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible it the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 

They also violated the law because according to 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.

I did not give anybody written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am protected by FCRA law as an individual with rights. I see multiple unauthorized and fraudulent inquiries on my PERSONAL CREDIT REPORT I HAVE NEVER SIGNED PERMISSION FOR any of these companies to place their inquiry upon my report. Also under FCRA 15 USC 1681 I have the right to privacy on my credit report. THIS HURTS MY ABILITY TO HAVE A HOME AND TRANSPORT TO AND FROM WORK. 

I NEED THESE REMOVED NOW! 

ON MY EXPERIAN REPORT XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXnquiry dateXXXX XXXX XXXXXXXX XXXX XXXX  Inquiry dateJul XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX  Inquiry XXXX XXXX, XXXX EXPERIAN XXXX XXXX Inquiry dateXXXX XXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

To my dismay, I discovered unauthorized inquiries on my credit report this morning without any clear reason. I routinely check my credit, and this time there were discrepancies that came out of nowhere. I tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries stayed. This situation has left me really frustrated, and I urgently ask that the documents I sent be thoroughly examined so I can have peace of mind once and for all.
Product: Credit reporting or other personal consumer reports

There are inquiries on my consumer credit report that i did not authorize. ftc report number is XXXX The following inquiries need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern My Na me is    XXXX   XXXX   XXXX   m y complaint is with    XXXX   XXXX   XXXX   XXXX   is two  parts, credit reporting to the  XXXX  bureaus, I filed a Chapter  XXXX   in  XX/XX/XXXX   XXXX  in doing so it was not aware that recommit my loan with    XXXX   XXXX   XXXX   XXXX   ,  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with   XXXX   XXXX  . we were told by the person handling the modification process with    XXXX   XXXX   that for us to qualify for the modification, we  had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacted   XXXX   XXXX    about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  are reporting the same account furnish by Dept EDXXXX XXXX with two different account numbers, there can only be one. The payment history is incorrect and confusing, it shows 90 and 120 day lates following a made payment. XXXX  is reporting 120 day late for XX/XX/XXXX and XX/XX/XXXX, but Transunion is not. This information must be the same. The payment status field is reporting different. This account has been verified as accurate when it is not.
Product: Debt collection

My name is XXXX XXXX, and this a new complaint with updated information that has since been discovered after careful research and review. 

I have reviewed the documents presented in the last communication and have discovered that all statements provided from XXXX seem to be inconsistent with the postal rules prescribed by law. i have a few questions. 

why does none of the statements include this notice? the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer. ; or in lieu thereof, a notice to the same effect in words which the Postal Service may prescribe.

Are all statements provided in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due? 

What makes amex exempt from these standard postal rules? 

also, your agency has sent notices in the mail soliciting payment and so, what makes your agency exempt from these standard postal rules? 

What your agency and XXXX is responsible for is for sending non mailable matter and is a civil and criminal offence. 

your response is appreciated. 

thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/2020 ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/2020
Product: Debt collection

LVNV funding began trying to collect a debt from me for over XXXX XXXX dollars for XXXX XXXX. While I have previously had XXXX XXXX and still have them the closed off account in question has incorrect information. Per the FCRA I immediately sent a validation request. LVNV did not cease collections activity rather they tried getting other companies like XXXX XXXX to collect the amount. LVNV did not follow the FCRA and is still reporting derogatory information despite failing to respond with validating this erroneous debt.
Product: Prepaid card

On XX/XX/XXXX I noticed an unotherized transfer of {$890.00} to an extranal bank account I do not hold. I called as soon as I noticed this transaction and was told a dispute was opened. This morning I called in again on XX/XX/XXXX to get an update and was told the dispute was denied and I would get a letter they said was mailed on XXXX. I need this money returned as it is my unemployment payment and I do not have other income.
Product: Credit card

I rec 'd a credit card in the mail to activate ( I did not ) XX/XX/year>. I called them XX/XX/year> giving them all the information. They said they would put a hold on the card and start an investigation immediately.
Product: Debt collection

I recently went to apply for a home loan and discovered in the process that Monterey Collection is saying I owe {$430.00} and its the only obstacle stopping me from getting approve.

I dont know this company or never done business with this company.Monterey Collection doesnt have any written contract with my signature or any proof that the debt belongs to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, I have mailed out 2 different dispute letters to XXXX and TransUnion yet again i have received an email XXXX XXXX from XXXX disregarding my dispute letters yet again. by law this is wrong on all levels. I can't get no loans, new credit, or lines of credit because of the inaccurate information they are housing or may I add illegally furnishing. month after month I try writing them of these things and to my surprise I get turn down or have to result to making complaints of this matter and I'm getting tired of the back and forward with me having to take matters like this to get heard. this is disappointing and a violation of my rights under the consumer law. I will upload the two letters I sent and they response back. XXXX is the only reporting agency that took me seriously and took all negative items off of my consumer report when writing to them of the inaccurate information. TransUnion and XXXX are not following the rules of the law and delaying me as giving me the run around and now I'm taken legal action against them.
Product: Mortgage

We are writing again to dispute another missed payment for {$5000.00} that has had a negative impact our credit score for the month of XXXX. This notification came to us in a letter dated XX/XX/XXXX a couple months after my wife and I received confirmation from Newrez dated XX/XX/XXXX saying that our loan has been paid in full. It was explained to me over the phone by a Newrez supervisor in XXXX that even though Newrez and Loss Draft were in possession of the entire amount of our loan prior to our XXXX mortgage payment being due that we were still responsible for this payment. Newrez and Loss Draft have been in possession of {$830000.00} since the agreed upon XX/XX/XXXX payoff date. Being that this was the agreed upon full payment received on time, we do not feel we should be penalized in any way. We feel it is not right for us to be penalized on a missed payment because of how long it takes a company to process transactions. This is the second letter we are having to write about missed payments negatively impacting our credit score. The first issue was resolved after writing a similar letter. This decrease in our credit score is making it even more difficult to get approved to rent a house where we live in XXXX adding unnecessary stress and grief to my wife and I in an already devastating situation. 
As a brief back story on XX/XX/XXXX Loss Draft department was sent {$410000.00} in insurance checks along with a letter of intent to use the checks to pay off our mortgage. On XX/XX/XXXX a wire transfer of {$410000.00} was sent from XXXX XXXX XXXX  to Newrez. Since that date many phone calls have been made by myself and my wife to Loss Draft and Newrez customer service to follow-up on paying off our mortgage. We have spent countless hours on the phone sorting out this situation. On XX/XX/XXXX we reported this situation to Consumer Financial Protection Bureau ( I.D . # XXXX ) as we were making no progress talking with your staff and supervisors over the phone. This first issue was resolved as we were able to close our mortgage and the original reporting of missed/late payments was corrected. Our credit score was returned to normal. For the second time ( 4 months after this payment was due and almost 3 months after our loan has been closed ) our credit score again negatively impacted for being reported late on another payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian more than three times. By web site and also by phone asking them to verify a bankruptcy that they have been reporting on my credit for the past seven years. I called today Friday, XX/XX/2022 at approximately XXXX oclock and the lady told me that they have verified twice with the Alabama bankruptcy court that the information that they are reporting is accurate. this is not true. I told her she was lying. I have a letter that I did submit to Experian from the Alabama bankruptcy court stating that they do not verify and have not verified any of my information with Experian. I also know that they have not verified information that they are reporting because I know that information they are reporting is not accurate. I contacted the attorney that filed my bankruptcy for the correct dates and I also have my bankruptcy papers. I told them this on the phone and they wanted me to verify the information to them. I told them it was not my job to verify the information they were reporting. It was their job to verify with the original debtor which is the Alabama bankruptcy courts the information that theyre reporting is correct. If they can not verify the information that theyre reporting then it must be deleted. When I mentioned them using a third-party instead of them verifying through the original debtor she told me they did not use a third-party which was another lie. 
They have said theyve completed investigations that they verified through the original debtor which is NOT TRUE. They also said that their information is accurate which is also NOT TRUE. 
By law they have to delete it and they are refusing to remove this from my credit report.
Product: Credit card or prepaid card

My outbound flight TO vacation was canceled due to weather. I used the trip cancellation insurance to file a claim for reimbursement for the in bound flight FROM vacation. After months of emailing all the necessary documents, often 4-5 times, my claim was denied because they said I actually flew on that plane. I have submitted proof of the canceled flight, Ive submitted proof of the canceled trip, but I never got a real person to talk to me about this claim. 

After the denial, I asked for an appeal through Chases executive office, and that person told me the same thing, that because they believe I flew home from vacation, my claim can not be paid. I tried to show him all the documents I had previously shared with the insurance team, but he said it was too late now and he was closing my case. He said I can start the process over if I feel this is a mistake. 

Ive been at this since XXXX. Ive spent so much time and energy on this already, I dont think I have the patience to start over. This is very clearly an error on Chases part and theyre refusing to resolve it amicably. Im hoping the CFPB can help speed the process.
Product: Debt collection

I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, this is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

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

I reached out to Security Finance regarding credit reporting issues that I do not believe is valid. I requested validation of account ( s ), and have not received a response from the company. The USPS Priority Mail Tracking # XXXX, item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 in XXXX, SC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint lodged against Experian regarding inaccuracies on my credit reports, specifically hard inquiries, which they claim to be verified. 

Experian by not properly providing me with proper documentation within the required time frame, and I have evidence of such, via certified mail receipts : USPS Certified Mail and Return Receipt sent by Notary Public : XX/XX/XXXX Certified Mail # XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX Maybe they didn't get the part in my last letter where I said these CREDITORS were unknown and that they need to be removed, just because they said " verified '', it doesn't change the fact that I have no clue where it came from! 


They had enough time to verify these alleged accounts and because they didn't at any time send me even ONE shred of evidence that these were my accounts accounts or that I have the liability or responsibility or ownership, they need to be deleted. 

I'm pretty certain that they violated a bunch of federal laws : 1. Experian didn't prove the creditor even responded 2. Experian didn't send me anything at all to verify this was mine 3. Experian are being paid to report this by a credit I cant even get a hold of 4. This is absolutely false info being reported and section 609 protects me specifically against this!

As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 16 [ s-2 ] ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished person to any consumer reporting agency is disputed to such person by a consumer, the person may furnish the information to any consumer reporting agency without notice that such information by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 68 I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act
Product: Checking or savings account

on XX/XX/year> wells fargo bank returned a validly tendered credit card charge for {$660000.00} FOR INSUFFICIENT FUNDS from my vendor XXXX XXXX XXXX on my BUSINESS CHECKING ACCOUNT UNDER THE NAME XXXXXXXX XXXX XXXXXXXX despite there being sufficient available balance on the account this fact being confirmed by an agent of the said bank above on a phone conversation on XX/XX/year> on or about XXXXXXXX XXXX
Product: Debt collection

On multiple occasions Credence will continue to call my phone back to back I block one number they start to call from a different phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to the Department of Education / Nelnet via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Dept of Education / Nelnet has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.
Product: Checking or savings account

Based on my most recent login to my Ally online saving account an XXXXXXXX XXXX account was listed as a Bank that can receive funds from my saving account. I have never had a XXXX XXXX account. 

My savings account funds were at risk of being transferred to this account. I requested that Ally close my savings account and send the funds to my home address on record. Ally could not tell me who had added the bank, when the account would be completely closed or when my funds would be sent.