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

I hope this letter reaches you well. I am writing to express my deep concern and frustration regarding the persistent issues I have encountered in attempting to correct late open accounts associated with my financial profile. 

Over the past several months, I have made numerous attempts to address and rectify the late open accounts on my credit report. Despite my diligent efforts, the issue persists, impacting my credit score and causing considerable distress. 

I initially became aware of the late open accounts, and since then, I have taken the following steps to resolve the matter : Despite my persistent efforts, the late open accounts have not been corrected, and the associated negative impact on my credit report continues to affect my financial standing. 

I understand that errors can occur, and I appreciate your commitment to resolving customer concerns. However, the prolonged nature of this issue has prompted me to escalate the matter formally. I kindly request a thorough investigation into the root cause of the problem and the implementation of corrective measures to rectify the late open accounts promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please let me know at your earliest convenience. I believe in fair and transparent financial practices, and I trust that Credit Bureaus will take the necessary steps to address and resolve this situation in a timely manner. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My disputes were incorrectly denied in that someone stole and used my account number and PIN to make unathorized ATM withdrawals. Capital One has denied my claim due to my assertion about the debit card possession and transaction information XXXX {$150.00} I never drawdown an uneven amount rounded to the {$5.00} XXXX {$120.00} This was an unauthorized second drawdown of {$120.00} in the same day after I drawdown {$120.00} XXXX {$70.00} This was an unauthorized second drawdown of {$70.00} in the same day after I drawdown {$150.00} XXXX $ XXXX never drawdown from ATM on a XXXX  XXXX $ XXXX I never drawdown a non rounded uneven amount with cents XXXX $ XXXX never drawdown from ATM on a XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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

The company reported to both XXXX  and XXXX  that my payments were late ' twice by 30 days for XX/XX/XXXX and XX/XX/XXXX, then 90-119 days late for XX/XX/XXXX, and finally, 60-89 days late for XX/XX/XXXX. I reported a dispute directly to the credit reporting agencies which did not help the situation. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. I had payments clear, plus my account was current in the month pf XX/XX/XXXX which is showing as " no data '' on my credit report. 
2. My account was not delinquent by 90-119, I was current for XX/XX/XXXX and made a payment early XXXX ( XX/XX/XXXX for {$400.00} ) that cleared. 
XXXX. I spoke with a company representative and asked for COVID impact relief to which they said they would not offer.
Product: Checking or savings account

I am disputing the following : XX/XX/XXXX {$800.00}, XX/XX/XXXX {$840.00}, XX/XX/XXXX {$0.00} I discovered the fraudulent charges and reported them to my bank right away. I was advised to change my user id/password for my online account, and get a new account number which I did with the assistance of a bank representative. I have not had any additional fraudulent activity on my accounts since. 

I received a provisional credit letter dated XX/XX/XXXX, advising temporary funds were issued to me while an investigation took place. I then received a final resolution letter dated XX/XX/XXXX, stating a confirmed error occurred and the provisional credit received is final and will remain in your account. Then on XX/XX/XXXX, the credit was removed from my account. It was finally on XX/XX/XXXX, that I was been able to get a formal response from the bank as to why they took the credit back. They state the credit was removed due to missing information that was not changed when directed to your online banking login on XX/XX/XXXX. This reason is contradictory to their initial resolution reason.
Product: Debt collection

My wife and I received a " Notice of Assignment to a Collection Agency '' on XX/XX/XXXX from a company called Professional Account Management , LLC in relation to an alleged toll violation in the state of Georgia, with an issue date of XX/XX/XXXX. 

Per independent discussions with Professional Account Management , LLC ( PAM ) and the State Road and Tollway Authority ( SRTA ) -- there does appear to be a legitimate relationship between the agency and the collections company. A customer service representative from SRTA confirmed that the SRTA often retains Professional Account Management , LLC for their collections services. Unfortunately, we never received a prior notice from the SRTA with any details of the violation either via physical or electronic mail. Typically, we would expect to see a photograph or other proof of the violation. Additionally -- upon searching both the SRTA and the PAM websites with the alleged violation #, license plate #, or PAM notice # ; no information is available and no records can be located. I spoke to customer service representatives with both the SRTA and PAM over the phone ( after waiting on hold for a significant amount of time ) -- neither of which were able to identify or locate any violations based on the information received in the physical notice from PAM The fact that no record of violations can be found by either the agency or company has led us to believe this is a phishing request to collect a fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX tradeline has been removed from my XXXX credit file following disputes but the tradeline still appears on my Equifax and XXXX credit files despite the disputes I've sent to those bureaus as well. The XXXX XXXX XXXX tradeline from XXXX XXXX is for an account that doesn't belong to me. Equifax and XXXX have blatantly ignored my disputes and aren't enforcing the Fair Credit Reporting Act.
Product: Credit card or prepaid card

Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. It Is Violating, Intrusive and Illegal.
Product: Debt collection

Thursday, XX/XX/XXXX at XXXX XXXX, received call from unknown person claiming to be with XXXX, independent process servers and gave me a phone number to a company called XXXX XXXX XXXX XXXX I called the number and spoke with a paralegal named XXXX XXXX. He claimed that they were attempting to collect a debt that is approximately XXXX XXXX XXXX from XXXX XXXX I informed him of the Statutes if Limitation in Texas ( 4-7 years ) for debt collection and he became belligerent and stated that only applied if there was a tolling agreement. This is false. He threatened that the company was filing suit and that we could bypass it if I agreed to settle for half of the cost. This debt, if it existed, does not even show on any of my three credit reports. This is harassment, lies and threats
Product: Credit reporting or other personal consumer reports

I am submitting this to dispute the accuracy of certain negative items listed on my credit report. These items are either incorrect or do not belong to me, and their presence is negatively affecting my credit score. Please find the details of the disputed items below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Over the past four years, I have attempted to remove one collection account from my credit report, without success. Unfortunately, the credit bureau is still listing it on the report when it is paid off and should no longer be taken into account. It is listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX Jefferson Capital sent me a letter about a debt that I supposedly owed to XXXX. I sent them a letter asking them to send me proof that I owe the debt since I know I do not owe the amount they specified. They didn't send me anything and had my letter sent back to me. Then on XX/XX/XXXX they sent me another letter asking for payment on the debt. I ignored it and received XXXX more letters one on, XX/XX/XXXX, XX/XX/XXXX and the most recent on XX/XX/XXXX. I have not tried contacting them via phone because I know it's a scam and I know I don't owe the amount they're asking for.
Product: Credit card

I HAD A VERY SMALL AMOUNT THAT WAS OWED TO WELLS FARGO BANK CARD AND BECAUSE OF A DISPUTE AND REQUEST FOR A REFUND ON A FEE THAT WAS CHARGED, I WAS ASSIGNED A 30 DAY LATE NOTICE WHICH HAS REALLY HURT ME GREATLY. 

I WAS EXPLAINING TO THE WOMEN THE REASON THAT I WAS NOT PAYING THAT AMOUNT AND ALSO TOLD HER THAT I DID NOT HAVE THE FUNDS AT THAT TIME AND SHE WAS ANGRY CAUSE I DID HAVE THE AMOUNT IN MY ACCOUNT. I NEEDED THAT FOR OTHER REASON AND SAID I WOULD PAY IF I HAD TO IN A FEW DAYS BUT NOT NOW. SHE DECIDED TO GIVE ME A 30 DAY LATE WHICH HAS HURT ME BIG TIME OVER THE LAST 6 YEARS. 

I AM A XXXX AND I AM IN NEED OF THIS TO BE TAKEN OFF MY RECORD IMMEDIATELY. IT HAS BEEN OVER 6 YEARS AND 4 MONTHS AND WILL COME OFF IN 8 MONTHS AUTOMATICALLY. NEED THIS OFF NOW, THIS IS THE ONLY 30 DAY LATE I HAVE HAD IN OVER 10 YEARS. I HAVE PAID ALL MY BILLS ON TIME WITH A PERFECT SCORE EXCEPT FOR THIS ONE 30 DAY LATE WHICH IS CAUSING ME TO BE TURNED DOWN FOR CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.
Product: Credit reporting or other personal consumer reports

An account was opened in XXXX of XXXX  and it was certainly not opened by me. I just discovered the information on my credit report and I called XXXX and ACIMA DIGITAL XXXX XXXX XXXX about it. I was told that I needed to file this report with the FTC before any action can be taken. So please assist in keeping this fraud from impacting my credit further. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft. I sent letters in XXXX and followed in XXXX and have heard nothing, I am doing this online through the CFPB because of COVID-19 and perhaps the letters have not been processed.

I have multiple accounts that need to be blocked from record due to investigations of indentity theft. These are XXXX XXXX XXXX and  XXXX. 

I have attached my identitytheft.gov report, my reports, and the letters I sent the CRAs
Product: Checking or savings account

I was charged overdraft fees on multiple accounts to the point 2 of my accounts were closed due to overdraft fees. My account is currently in the negative due to overdraft fees.
Product: Credit reporting or other personal consumer reports

Complaint against Experian for falling to property investigate my disputes about inaccuracies in my credit report.Despite my submission Experian consistently responds within 24hrs stating accounts are accurate without providing proper evidence of a through investigation. This practice violated FCRA 15 U.S.C 1681 and also may contravene the CFPA 12 U.SC 5536 A [ 1 ] A- B.These accounts XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX open XX/XX/XXXX, XXXXXXXX XXXX open XX/XX/XXXX XXXX XXXX XXXX  open XXXX XXXX & All XXXX inquiries as follows XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX FTC has banned companies from reporting.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found that the inquiry on XX/XX/3023 was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.
Product: Money transfer, virtual currency, or money service

PayPal just closed my account for no reason. They do not want to help me fix this soon. I have not been able to get help from them despite contacting them about this issue frequently. I have been using their services to receive money from my clients and I believe this is affecting my income greatly. If their customer handling was better we would have solved this already. My email linked to my Paypal account is XXXX.
Product: Mortgage

I have previously attempted to discontinue Selene Finance from accruing for escrow. I have had the same mortgage for 18.5 years and never refinanced. Originally serviced by XXXX  XXXX XXXX- is now with Selene Finance - Transferred XX/XX/XXXX. I was told earlier this year that to be eligible to been with them for at least 12 months and and a positive or XXXX balance owed. Well, it has now been 14 months and I have a positive balance as of today {$2000.00} and insurance paid through XXXX and taxes paid through next tax due date in XXXX XXXX, VA which is XX/XX/XXXX. Worst all they are collecting more than TWICE what is needed to pay my escrow accounts! THAT IS RIGHT SELENE FINANCE IS COLLECT DOUBLE THE NECESSARY AMOUNT. Loan Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am incredibly upset! My underlying reaction to the erroneous thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Ordinarily by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. On the off chance that you don't eliminate this wrong data promptly I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue just if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to collaborate. In XXXX  v. Trans Union XXXX., XXXX XXXX ( XXXX.XX/XX/XXXX ), you will be considered answerable for your choice not to not agree. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy essential necessities to get by during this troublesome monetary period. In the event that your next reaction to me isn't a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC grievance. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see clear proof ( i.e. : a unique purchaser contract with my mark on it ) that you have on the report for the record recorded underneath. 

Your failure to quite check these records has hurt my ability to obtain credit. Under the FCRA, wrong and mysterious data must be erased from a consumer 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theift now im not able to get credit cards or even a cell phone
Product: Credit reporting or other personal consumer reports

My information has been stolen and used against my rights. Someone has been applying for things in my names also got an apartment under my name. I would like for this to situated soon as possible. I did not give anyone the authorization to apply for anything in my name for these are fraudulent. Even to the point the address on my report does not match my original address. There is a file listed below showing my residency that way all the other addresses needs to be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB XXXX XXXX To who it may concern, There was a breach with the Office of Motor Vehicles and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

I am Requesting all these inquiries be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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 : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.