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

Dear credit bureaus, I received my investigation results and saw this account was verified. However, I have a few questions : What did you update? What did you modify exactly? Did you really reinvestigate my accounts? 

If you did, why is the open date different from the other credit bureaus, why is the date last active different, why are my accounts still inaccurate. 

I have sent in multiple disputes over the years to remove this inaccurate auto loan experian and transunion have failed multiple times to remove this account. The account isnt reflecting on XXXX because they removed it due to inaccuracy. Im confused as to how are they verifying this clearly inaccurate account and they arent providing a description on how they verified the account. This will be my last dispute before I take legal action against the credit bureaus. If you can not prove and write a clear description on how this account is accurate so you claim you need to remove it and this is my last time asking. I didnt have a license when this account was opened I havent made any payments and this account doesnt belong to me nor is it even accurate. 

I would like you to conduct an investigation for me to make certain that everything is accurate. 

XXXX XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete this account from credit report due to violations of 15 USC 16811 ( 5 ), 15 USC 16811 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.

I do not want to see we made a call to verify accuracy I want a real investigation done into this inaccurate account I know you cant prove a thing and I want it removed.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$450.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX balance {$2200.00}, XXXX XXXX XXXXXXXX XXXX {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$14000.00}, XXXX XXXX XXXX {$32000.00}, XXXX XXXX balance {$0.00}XXXX XXXX XXXX balance {$170000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, ALPINE CREDIT INC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ALPINE CREDIT INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

I submitted my mortgage application for refinancing in XX/XX/2020. 7 times contacted with mortgage broker, 3 times with NEWREZ customer service. No calls back or responses. 
Now, after 3 months of time waste interest rates went up. I suspect fraud or neglect and want to be compensated for my time and horrible customer service/ unprofessionalism/ customer neglect and money loss. 
Broker information : NEWREZ XXXX XXXX XXXX XXXX NMLS # XXXX Phone number XXXX
Product: Checking or savings account

This problem has to do directly with PNC Bank and their policies. I have been a long term customer of PNC Bank for approximately 6 to 7 years. I reached out to PNC Bank a day after noticing I had accidently overdrafted my by about {$8.00} with 2 transaction and immediately sent payment to cover the overdraft as soon as I possibly could. I was still charged a {$36.00} overdraft fee. I reached out asking if they could waive the fee but was told that I would " have to wait til XXXX '' for my next overdraft fee waive. So I filed an official complaint against the overdraft fee so that it could be reviewed. 

PNC abides by it's mission statement that " for more than 170 years, we have been committed to providing our clients with great service and powerful financial expertise to help them meet their financial goals. We are proud of our longstanding history of supporting not only our customers but also our communities, employees and shareholders. '' Personally, I do not believe that taking funds from customers who lend and trust a bank with their money, while the bank provides little to no benefit to their customers is a sound form of banking in today 's more modern world. In XXXX alone, PNC raked in nearly {$270.00} XXXX in overdraft fee revenue ; to clarify that would be over XXXX customers that PNC Bank was able to profit of off. I don't see how this helps PNC customers to " meet their financial goals '' as the company claims in its mission statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Bankruptcy Chapter XXXX Docket ID : XXXX has violated my rights. 

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 without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Transunion To Whom It XXXX Concern : According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$390.00} Please remove all non-account holding inquiries over 30 days old. 
Please add a XXXXXXXX XXXX to my credit file. 
Please remove all addresses not listed on my Driver License. 



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

I already filed a complaint numbered XXXX against XXXX  XXXX, as well as against XXXX Card numbered XXXX. This complaint was also against XXXX XXXX for the same problem, which was for reporting literally 15 year old information on my Transunion credit report, and perhaps XXXX/XXXX   and/or XXXX and/or other credit reporting agencies. In short, XXXX XXXX  has already done the right and legal thing by deleting these age-old accounts, and XXXX and XXXX XXXX need to do so as well and immediately ... as does Transunion and any other credit reporting agency. 

They ( XXXX XXXX ) responded that they need more time to research. BUT -- Attached below please find the response correct response, which took XXXX XXXX   much less time ... which response is that all of these accounts are WELL over the age where they, by law, MUST be immediately removed from my credit report. In short, XXXX XXXX  did the right thing and complied with the law, now XXXX, XXXX, and, most important, Transunion, must do the same! Here is the proper and legal response from XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Card ending in XXXX Dear XXXX XXXX : We recently received an inquiry from the Consumer Financial Protection Bureau regarding the above referenced account. I was asked to review and respond to your concerns regarding the credit reporting of the account. 
Upon review, our records reflect that the above-referenced account was opened in XX/XX/XXXX and was subsequently closed in XX/XX/XXXX. Please accept this letter as confirmation that a request has been sent to the credit reporting agencies to delete any reference of the account from your credit report. It may take 30-45 days for the credit reporting agencies to update their records. 
Your prior requests were declined due to the timeframe in which they were requested. 
XXXX is not affiliated with XXXX or XXXX XXXX, and it will be necessary for you contact them directly regarding your concerns with them. 
Thank you for allowing us the opportunity to respond to your concerns. 
Sincerely, XXXX XXXX Executive Response Unit XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE cc : Consumer Financial Protection Bureau , Case # XXXX our telecommunication number for our hearing-impaired customers is XXXX.
Product: Debt collection

THIS COMPANY IS REPORTING INACCURATE INFORMATION IN MY CREDIT REPORT ACROSS ALL THREE CREDIT BUREAUS. IT IS SHOWING A 120 DAY LATE ON THIS ACCOUNT FOR {$3000.00} DEBT THEY CLAIM I OWE, I SENT LETTER VALIDATION TO THIS COMPANY SO MANY TIMES FOR THE PAST YEAR BUT THEY NEVER BOTHER TO RESPOND AND GIVE ME A PROOF OR PROPER VALIDATION OF THIS DEBT. I AM TIRED DEALING WITH THESE COMPANIES. PLEASE HELP ME RESOLVE THIS ISSUE. THANK YOU.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
DPT EDXXXX XXXX Balance : {$9500.00} ; DPT EDXXXX XXXX Balance : {$1600.00} ; DPT EDXXXX XXXX Balance : {$9600.00} ; DPT EDXXXX XXXX Balance : {$2900.00} ; DPT EDXXXX XXXX Balance : {$2300.00} ; DPT EDXXXX XXXX Balance : {$6400.00} ; DPT EDXXXX XXXX Balance : {$4000.00} ; DPT EDXXXX XXXX Balance : {$2400.00} ; DPT EDXXXX XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$5500.00} ; DPT EDXXXX XXXX Balance : {$580.00} ; DPT EDXXXX XXXX Balance : {$3200.00} ; DPT EDXXXX XXXX Balance : {$2000.00} ; DPT EDXXXX XXXX Balance : {$9100.00} ; DPT EDXXXX XXXX Balance : {$1200.00} ; DPT EDXXXX XXXX Balance : {$4200.00} ; DPT EDXXXX XXXX Balance : {$6500.00} ; DPT EDXXXX XXXX Balance : {$2700.00} ; DPT EDXXXX XXXX Balance : {$5400.00} ; DPT EDXXXX XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies multiple occasions. As told by my realtor, this is making it very difficult for me to purchase a home for my children. These companies are in direct violation and I am seeking legal action.

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!

Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAl Cubiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT.

As a consumer I amdemanding the deletion of the accounts listed IMMEDIATELY! 

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

Recently reviewed my report and there are 2 unauthorized addresses on my credit report. There's also 2 installment intems,1 revolving item, and 5 inquiries that is unauthorized and not related to me.
Product: Mortgage

I had a GREENTREE mobile home mortgage.Husband mentioned there had been a computer glitch and not to worry. when husband died in XXXX 2009 I called when death certificate came back and loan was supposedly changed to my name, and was once again assured my payments were right on track. DITECH TOOK OVER AS LAST PMT OF A 15 YR LOAN WAS DUE BY AUTOMATIC WITHDRAWAL. see documentation. letters not signed, when robocalls and calls from diferent collection agencies began I sent another letter and yet calls continue from various numbers only telling me I need to call another number.Default letter also came to me AND another to my dead husband last week. PLEASE NOTE NONE OF THE CORRESPONDENCE IS SIGNED WHEN I GOT DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENITY THEFT. I SENT INTHE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND EXPERIAN CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR EXPERIAN TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPLEN BY THE THEFT AND NOT ME.
Product: Credit reporting or other personal consumer reports

As I said I told American Express and XXXX and XXXX XXXX about the problems they reported on my credit that the total was my daughters account in which we have similar name and she had her own account even through she was given her own account with them all three companies because of me I presume she was paying online on her account XXXX and American Express hire lawyers and put a lien on my title of my home which I just found out by XX/XX/XXXX I have legal shield on case however they lawyer that went to XXXX XXXXXXXX XXXX XXXX XXXX XXXX on me XXXX XXXX thats in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX and XXXX XXXX XXXX cause no. XXXX on my husband XXXX XXXX this was American Express national bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX also sign nor\tary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX lawyer XXXX XXXX charged me XXXX and XXXX me all this was back in XXXX case was close and staute of limitations was over on XXXX deal with XXXX  I try contact this XXXX lawyer he moved out XXXX to XXXX XXXX  and will not return XXXX calls or legal shield attorney XXXX XXXX whom legal shield gave me so I was told filed bar asson on XXXX XXXX but lien is still on my home titles which I try get loan on my home from XXXX XXXX which they could not do per their title co XXXX XXXX told me I had liens from XXXX and XXXX  first I heard of it back in XXXX this yearXXXX I have not been able to get anything loan wise due this move by XXXXXXXX XXXX XXXX XXXXXXXX charged off account to charge off on my credit report which I had hire XXXX XXXX to help me clean up my report. I can not believe a credit card company can get away with this in XXXX putting a lien on my property without me knowing are getting to this point XXXX and XXXX date on this judgement is XX/XX/XXXX by the way the kicker here my daughter filed bankruptcy XXXX XXXXXXXX nd been paying these two XXXX and XXXX since XXXX same account they are saying me and my husband own they combine my daughter XXXX XXXX account on my XXXX account same number XXXX XXXX and by the way they XXXX change account number end XXXX XXXX was XXXX number they combine both his and my daughters to say he owes XXXX and mine XXXX on XXXX per lien they put on my home title I. know this is fraud breaking laws use acc laws I want these liens remove asap can you please help me in this matter as I wrote to attorney general as well on this matter in XXXX XXXX XXXXXXXX I am also writing you guys again XXXX XXXX account is also known as XXXX XXXX  and as far as my account with them it is paid in full period XXXX XXXX XXXX  air conditions units to my daughters home which she lives at XXXX XXXX XXXX in XXXX tx XXXX they fail to tell you all my address was paid in full XXXX XXXX XXXX XXXX tx XXXX if you need anything more I have receipts
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation?

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

On XXXX, XXXX I sent to Equifax certified letters asking them nicely to remove from my credit report the inquiries that I had not authorized. They are refusing to remove them from my credit report. I am asking once again that they remove them.
Product: Credit reporting or other personal consumer reports

Identity Theft Affidavit Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Statement of Identity Theft : I, XXXX XXXX XXXX declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 
XXXX Accounts : XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$6500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$6300.00} XXXX XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXXXXXX XXXXDOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$3300.00} XXXX. XXXXDOFED, Opened on XX/XX/XXXX, {$2200.00} XXXXXXXX XXXX/DOFED, Opened on XX/XX/XXXX, {$1700.00} XXXXXXXX XXXX/DOFED, Opened on XX/XX/XXXX, {$1300.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$1300.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$950.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$390.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$15000.00} charge-off XXXXXXXX XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$1500.00} charge-off XXXXXXXX XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXX XXXXXXXX XXXX XXXX Opened on XX/XX/XXXX, {$690.00} XXXX XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$570.00} charge-off XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX, {$420.00} charge-off XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX, {$400.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$1600.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$1300.00} charge-off XXXX. XXXX XXXX on XX/XX/XXXX, {$1100.00} charge-off XXXX. XXXX XXXXpened on XX/XX/XXXX, {$400.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$1400.00} charge-off XXXX. XXXX - XXXX, Opened on XX/XX/XXXX, {$700.00} charge-off XXXX. XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX XXXX XXXX, Opened XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX XXXX XXXX, XXXX XX/XX/XXXX, {$1800.00} charge-off XXXX. XXXX XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$1400.00} collections XXXX. XXXXXXXX XXXX Opened on XX/XX/XXXX, {$450.00} collections Fraudulent Inquiries : XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XXXX / XXXX XXXX, XXXX Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

My only Phone number is XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX Sincerely XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
Product: Debt collection

To Whom It May Concern : This letter is regarding LVNV FUNDING LLC which claim a derogatory condition here, such as I owe {$490.00} which you claim a derogatory condition here. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.