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

On XX/XX/2023 I requested that all 3 bureaus sent me validation of the accounts that they stated was verfied and mines. I wanted to know the method they used to verify it because they did not belong to me. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # XXXX. XXXX XXXX XXXX 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 XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.
Product: Credit card

I made a payment using my Citicard rewards on XX/XX/XXXX. The bill was due on XX/XX/XXXX. They applied the rewards to the account. After getting late calls I contacted Citicard. They told me the rewards transfer does n't count as a payment. I do n't recall seeing any notice that the rewards transfer does n't count as a payment. 
I have been unemployed without benefits for 6 months. What little I had in retirement savings is gone. I 'm living on XXXX meal a day. Please help.
Product: Credit reporting or other personal consumer reports

Please read my complaint thoroughly. I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit card

I have an XXXX XXXX XXXX Aviator Red Master Card that was closed due to a {$14.00} charge that went 90 past due. I was not aware that a {$14.00} charge was posted to my credit card as I made a {$1400.00} payment to this card account in XXXX 2015 to bring the balance to zero. All communication to me by the bank was sent electronically and was never received. I incurred and paid {$120.00} in late fees for the {$14.00} charge. The Bank never notified me that my account was past due and that it was being reported to the credit agencies. On XXXX/XXXX/15 I was mailed a hard copy letter informing me that my account was cancelled and that the delinquency was reported to the credit agencies. No communication of this issue was made known to me by mail before XXXX/XXXX/15. Customer service at the credit card company/BANK is unresponsive. Promises to remediate have been made with no follow up. The credit card company has admitted to me that proper notification procedures were not followed. No follow up or further communication by the card company has been completed. Principal and late fees totaling {$130.00} have been paid even though the original charge in question was only {$14.00}. The primary problem is email communication including bill delivery that likely never reached my inbox due to spam filtering. Lesson learned, do not select electronic bill payment and presentment. Stick with snail mail.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment records that I strongly believe are inaccurate and possibly linked to a data breach. These false records do not reflect my actual payment history, and their presence is not only misleading but also damaging to my financial reputation. This level of inaccuracy is unacceptable, and I will not allow it to stand unchallenged. 

Despite my diligence in maintaining a responsible financial track record, these errors are creating unnecessary obstacles for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable records must be corrected or removed immediately. I expect swift action to address this issue, as any further delay will only compound the harm already caused.
Product: Checking or savings account

XXXX XXXX advertises the benefit of partnering with him on your deals and providing 100 % financing and paying out 50 % of gross profits. I signed up and submitted a deal immediately but he kept asking for the package over and over again after it being submitted for over 3 weeks he finally signed and agreed to the purchase price and I scheduled the contractor to come out and when the contractor came out there was a buyer lined up to purchase once complete. He backed out of the deal and could not provide solid proof as to why. He was very rude while I asked for the realtor information of whom certified the values but could not provide one and could not justify what comparables where used.There were only three properties that were sold that wasnt distressed. I found out that they excluded me to only take my deal and make profit behind my back. I would like my refund back of the investment of {$1000.00} that the bank is holding.
Product: Student loan

I wrote to Mohela on XX/XX/XXXX regarding a payment I had made that was debited from my checking account and never reflected on my loan balance. I have still not received a response from Mohela aside from an auto response. 

A payment of {$570.00} was made on XX/XX/XXXX and still does not reflect on my account nearly XXXX  months later as of today XX/XX/XXXX. My account not only needs a balance adjustment of this amount but any interest incurred on this amount since XX/XX/XXXX needs to be removed from my balance as well. 

My account is also missing a {$100.00} payment in XX/XX/XXXX that is a payment from my employer via XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target Bank was sent a letter of dispute. After review of my credit reports, Target Bank has not marked my account as disputed as required by the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card with XXXX Bank in XXXX. Upon opening of the account an initial security deposit was placed to secure the account. 

XXXX Bank closed the secured credit card account and failed to apply the initial security deposit to the outstanding balance on the account. This has resulted in fees, late charges, interest and other accruals with the account. 

The account was opened on XX/XX/XXXX with an account number of XXXX. The balance reported as of XX/XX/XXXX is a past due balance of {$390.00} when this account had an initial credit limit of {$200.00}. This account also included fraudulent charges made to the account which do not reflect the outstanding balance.
Product: Debt collection

WE (  XXXX   XXXX  AND  XXXX   XXXX   )  had come to a agreed settlement regarding my wife 's credit card that charged off 3 years ago. I held up our part of the agreement in which I sent back the original paper work mailed to us that my wife had to sign and sent back to rodenburg law firm certified mail next day. them once I had confirmation that they received the letter, I went to there web site and made {$2000.00} payment through our joint checking account. then after it cleared in  24  hours, I started calling them  XXXX  asking when they were going to file there paper work with the clerk of courts here in   XXXX   XXXX   stating the matter had been settled. each time I got the run around and was told " another department handles that ''. finally I called the morning of  XXXX , the day this matter was set for trial at  XXXX . Spoke to a rep named  XXXX  explained to him I just spoke to   XXXX   XXXX   courts and they have yet to receive there paper work that " you were spose to file with the   XXXX   XXXX   courts ''.  XXXX  tried telling me that the " other dept handles that " I then asked to speak with a supervisor,  XXXX  tried to transfer me to a supervisor who he said " wont be in the office till tomarrow ''. I asked several times to speak with someone in charge today, right now. he refused, and kept trying to send me to the supervisors phone who was not in the office today. finally  XXXX  hund up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I resided at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. 
I resided there from XX/XX/XXXX to XX/XX/XXXX. During my residence there, I was never evicted. The apartments filed three judgments against me with the XXXX XXXX Magistrate Court. The leasing manager, XXXX XXXX, drafted and filed a letter with the Court showing that all judgments were satisfied. However, I have attempted to apply for a rental home and apartment and the judgment remains on my public record : XXXX XXXX. XXXX XXXX ( Filed on XX/XX/XXXX ) {$970.00}. I called the magistrate court and they confirmed the judgment is satisfied. This is also confirmed on the docket. I have a stamped copy of the satisfaction of XXXX 

XX/XX/XXXX Image Document Satisfaction of Judgment XX/XX/XXXX Image Document Satisfaction of Judgment The lawsuit was filed by attorney XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX. Phone : XXXX. 

Every third party the apartment or property management company for a rental home is denying me. They won't accept my proof. The attorney XXXX XXXX XXXX, XXXX XXXX Magistrate Court, or XXXX XXXX XXXX should resolve this matter. I checked XXXX, Equifax, and XXXX, and the judgment is not listed on it. This must be on a third-party tenant database.
Product: Mortgage

Parties involved BMO mortgage loan number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX decided to start foreclosure even though payment was made on time we have confirmation from bank the funds were received Payment date XX/XX/XXXX in the amount of XXXX. Due dat was XX/XX/XXXX Notice of non payment dated XX/XX/XXXX sent via us postal mailed on XX/XX/XXXX received XX/XX/XXXX Notice of accelerated payment dated XX/XX/XXXX sent via us postal mailed on XX/XX/XXXX received XX/XX/XXXX Return of payment with foreclosure notice dated XX/XX/XXXX sent via us postal mailed on XX/XX/XXXX received XX/XX/XXXX They have gave me the runaround between BMO foreclosure and loss mitigation department and there lawyers
Product: Debt collection

I received a letter in the mail that a previous debt ( taken out under my previous name before I completed a gender transition ) was transferred to Dynamic Recovery Solutions for collection. I reached out in XX/XX/year> and settled for a lower amount. Since then they collected XXXX months ' payments of {$64.00}. I noticed this month that nothing came out of my account and tried to log into their customer portal to see what the issue was. The website I had previously used is no longer active and the link sent via email to access documents relevant to my account is no longer active. It seems they were a scam but now I am concerned they have sensitive information such as my SSN, bank account information, and also the {$120.00} they took from my bank account. They mislead in all correspondence by saying they were licensed in all states and according to the XXXX, this is not true. I have the email correspondence for reference if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent written communication to Avant dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received NO written communication from Avant. they did NOT meet the requirements of FCRA 623/FACTA 312. I made  a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Avant communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Avant to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Avant provided none of the above. Avant continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Avant has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, on XX/XX/2020 I sent a second written communication to Avant dated XX/XX/2020, requesting the same information with same results of NO written response. The above illegalities were committed via USPS mail.
Product: Payday loan, title loan, or personal loan

I applied by phone with Frost loan rep and completed application. I was told later that they were unable to open up a credit report with XXXX. I contacted the company and they assured me there was no problem and that the merchant needs to call if there any problem. I never had a freeze alert on my credit report but once again Frost attenpted to open file and came back with some result. I once again contacted XXXX and they told me it was not a problem on their end. They reset my file and now it been ready for review but I asked Frost bank to run my file again and they claimed same problem and made no effort to seek solution to them being unable to open file. I requested for XXXX to provide me with my report and at the same time Frost bank claimed they was attempting to work around this by seeking an answer thru their tech department. When I received a call from Frost rep they claimed they still was not able to open account and I asked why want they consider the other reporting agency 's file. They claimed it was their policy only to use XXXX. I then get a call from Frost bank rep claiming since they were unable to open file and they gather since information from somewhere they was offering me less then the amount I requested. I was applaud since i have a great deal of credit history no past due all paid as agreed and enough income to support the amount I requested. I requested XXXX and they was trying to counter with XXXX without no just cause other then that what we decided. Thurout this process it appeared unfair and unjust since there was no cause for concern with any prior loan or line if credit I have. My debt to ratio is only XXXX on one credit card and my income is XXXX. You do the math and determine why this stall approach and then offer an counter after they claimed they were unable to review my account. They made several hard line inquires as well and have avoid the main question why was they not able to open my account. And how are they making a decision based on no account now.
Product: Checking or savings account

I called to have it fixed my calculations and I over chargers
Product: Credit reporting, credit repair services, or other personal consumer reports

They have me listed in the computer as deceased as of XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts on my credit report that are not mine and a bankruptcy that are not mine they do not belong to me I have not applied for these used this or even applied for this. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

My account was compromised and someone began making fraudulent transactions on my account. I received a phone call from the fraud department letting me know that fraudulent transactions were taking place. My debit card was cancelled and a new one was sent out. I called to ask whether the thief took my debit card number or had hacked my account, I was told it was the debit card and a new card would solve the problem. Fraudulent transactions continued. New debit card was canceled and this time, the representative claimed the thief had taken my account number. I set up a new checking and savings account over the phone with a manager. As I was setting up the new account, my account was actively being hacked by the thief. I was also told that this person ordered a new debit card to his address and changed all of the contact information on my account somehow. This second account was then hacked as well, despite there being no way the thief could have taken this new information. My account has been frozen off and on for approximately a month and two weeks now, and most of my money has been stolen. I have not had access to my money for such a long time, my bills are piling up and Ally won't answer the phone. I have never received a debit card or checks to my new account and have never had online access either. Now I am trying to close my accounts and receive a check with what remains of my balance, but Ally is refusing to return my money and refusing to close the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent 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 700 CR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To my surprise and frustration, I found inaccurate accounts listed on my credit report when I checked it tonight. This was completely unexpected, and I even tried refreshing the page, thinking it was a mistake, but the accounts were still there. Im now requesting a detailed review of my documents so I can finally have peace of mind and not worry about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to you to reinvestigate my negative accounts and even sent you my credit reports showing that you didn't update anything and according to the FCRA 15 U.S.C 1681 e ( b ) the dates, balance & etc had to be the same on all XXXX credit reports and it was in aaccurate ; so by law it was supposed to be deleted but you took it upon yourself to update it which was illegal. 

The accounts name and number are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX BANK # XXXX Also 15 U.S.C 1681 a ( 2 ) a ( 1 ) Exclusions Transactions between the consumer and person ( Corporation ) are excluded from the consumer report so this is what it states; so where does my late payments come from. 
This is Federal Law. It looks like yall are not following the Federal Law to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : Bridgecrest Account # : XXXX Date opened ( XX/XX/18 ) 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additionalclarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty daysbefore the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested a copy of my XXXX XXXX XXXX XXXX XXXX XXXX file. Upon receiving my file on XX/XX/XXXX I saw that there was a service account showing by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IL XXXX that was charged off in the amount of {$2200.00} I have never had a cell phone that I recall with this company and surely not with a bill for such an enormous amount!!! Also I noticed that is account, is almost 2 years past the Statue Of Limitations and has not been deleted! I'm not sure where this account came from but would like for it to be immediately be deleted from my XXXX file. Looking back I believe this inaccurate reporting may have been the reason i was denied cellular service with XXXX. I tried contacting the XXXX but every time I call they say they're having technical problems and to call back in a hour. 

The account number that's in my file is # XXXX
Product: Credit reporting or other personal consumer reports

Discover Bank has charged off my credit card during covid and it has been showing on my credit report until today. I've have asked several times to send me my XXXX statement so I can write it off on my taxes but have not recurve anything as of it. This is a fraudulent act and I'm going to sue for statutory damages.