23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 I sent ACIMA DIGITIAL FKA SIMP a letter letting them know that I had no knowledge of the balance that was reporting on the account and I asked them to verify that this account was reporting maximum possible accuracy. I let them know that they had 30 days after the receipt of the letter to respond after conducting a reasonable investigation to verify that this account was mine. I told them that if they could not verify the information that it needed to be removed from my credit report. I asked ACIMA DIGITAL FKA SIMP to send me the confirmation that the information was deleted from my credit report if they could not provide proof. On XX/XX/2022 after not receiving a response from them within 30 days I sent a letter to XXXX asking them to investigate this account for me as well. I let XXXX know that according to the FCRA that they must investigate this account and check with the creditor who has posted them. I sent in a copy of my ID and also proof of my address with this letter. On XX/XX/2022 I sent another letter to XXXX that was a formal complaint about ignoring my previous request and failing to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports that they publish. I then asked them to reinvestigate and according to federal law, they had 30 days to complete the reinvestigation and to provide proof of the investigation within 15 days of its completion. It is now XX/XX/2022 and I still have yet to hear back from XXXX or ACIMA DIGITAL FKA SIMP I am in the process of sending another letter to them. I have reached out and given them an ample amount of time in order to send proof of this account and they have violated my consumer rights according to the FCRA by failing to do so. I would like this account to be removed from my credit report immediately.
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 {$6700.00}.

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.

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on several occasions in regards to accounts that I have that are in good standing and being paid on time. I spoke with a representative today ( XX/XX/2017 ) in regards to the dispute that I sent in to them at their request. Equifax requested copies of my identification and proof of social security card. The representative told me that the dispute was resolved and the accounts have been added. I am still unable to see these accounts on my credit report with Equifax only. Please let me know if there is any information that you need from me to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XX/XX/2019 i opened up a XXXX line of credit with XXXX XXXX to purchase furniture at XXXX XXXX XXXX, i made 4 successful bi weekly payments starting in XX/XX/2019. On my credit report for XXXX they alerted the credit bureaus i was 30 days late then august 60 days and for XXXX, and XXXX my credit report says charged off account. Not once did i receive a bill or communication of late. They had my incorrect address on file for months even though i updated that before my furniture was delivered. Please see on paid in full letter attached they still have my incorrect address on the account. I made 3 lump sum payments to pay the account off in XXXX which totaled around 1300 dollars. I have in writing they would remove the late payments and show my account as closed paid in full with current status. My credit report updated for XXXX and they not only did not remove the incorrect late payments they also incorrectly put on my credit reports that this XXXX loan is a vehicle loan and its charged off as bad debt. I have called them every day, most days i get hung up on after someone says I see the error. Today i called again and was hung up on after being on hold for 11 mins. I was advised although they see the error and the account was paid in full, there was nothing they could do about it and late payment weight fades over timer nothing about the account reporting as a vehicle lease. All I'm trying to do is get these incorrect late payments removed or get this account deleted off my Experian reports. They have since offered me another line of credit for an installment loan but refuse to update my credit report. I will advise anyone to not do business with this company
Product: Debt collection

I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. 
According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report.
Product: Money transfer, virtual currency, or money service

My wife and I have a joint account with Citibank. We receive a monthly pension from XXXX which is usually credited to our account on the XXXX XXXX XXXX of each month. I have been receiving this pension for over 10 years now. Lately, my pension does not arrive on a timely basis. There can be up to 1 month delay for reasons unknown to me. For example, my pension which was due on XX/XX/ has still not been credited to my account as of XX/XX/XXXX  In addition, my wife 's pension has been credited without any issue on the relevant dates. The delay in my pension has been going on for the last 2 years or so and it has created financial difficulties for me. I have reached out to Citibank multiple over the phone but no clear answer is ever given to me nor has there been any resolution.
Product: Credit card

XX/XX/XXXX a Macy 's bill had some charges that I did not make. The charges were at a Macy 's in XXXX, TX. I moved from XXXX in XX/XX/XXXX. Secondly, I have severre scolioses and am unable to walk in the large store. I disputed the charges with Macy 's, closed the account. Macy 's would send us papers to fill out but I did not know or have the list of charges to put down since I did not make them. The reason I did not have the original bill was on XXXX XXXX, XXXX I was car jacked and my purse was stolen. I would try to get the list from the Macy 's website but because the account was closed I could not retrieve the list. I asked for receipt signatures from Macy 's and they were never given to me. Macy 's proceeded to put late charge after late charge on the bill. After months of getting no where I paid the bill and they would not take of the late charges off. This has hurt my credit and they did not care who made the charges they wanted the money regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ran my credit for a car purchase on XX/XX/2021, ( ok ), then Toyota credit ran my information, XX/XX/2021, got approval, ( ok ), then after making my first payment on time a month later, Toyota credit ran my information again on XX/XX/2021, ( NOT OK ). 
Both parties blamed each other and nothing was done, they now ignore the problem. This still remains on my inquiries in my credit report. Please help
Product: Credit reporting or other personal consumer reports

I have car on my credit that keeps reporting as late i haven't had the car in my possession for XXXX  years. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection debt put on my credit file with XXXX XXXX, XXXX, XXXX  with a debt I do not recognize, nor owe, The creditor XXXX XXXX XXXX a 3rd party, the original creditor XXXX XXXX  over billed a closed account, XXXX XXXX XXXX  is a 3rd party collection service, that never sent me anything. only called and harassed me with 5 calls daily, left no messages, I called their number repetitively, I told them to send it back to original creditor ... they instead listed on my credit file in violation of Fair Credit Reporting act,, violating my rights, having never allowed my right to respond or dilute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX  XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that XXXX of the listed accounts seem to be inaccurate, and this is worrying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THESE COMPANIES : XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

The amount was immaterial ( {$97.00} ), was reported to the collection agency prior to being 30 days late, and was paid within 30 days from original report to collections agency ( paid within 60 days total from date amount was due ).
Product: Consumer Loan

In the XX/XX/XXXX my husband lost his job and well fell behind in making payments on an installment loan with Springleaf Financial. A judgment was filed for the loan. I was able to get caught up on the loan and paid it off early in the XX/XX/XXXX. I have been requesting since then that the manager and now corporate submit an update to XXXX County to reflect that the judgment has been satisfied for 3 years. To date no action has been taken to correct the situation.
Product: Debt collection

Credit Collection Services did not respond to request to verify the debt owed. Did not send proof they can collect in my state. Did not provide full proof of the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my consumer report which has caused XXXX XXXX XXXX XXXX  upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.

The following accounts are errors : 1. XXXX XXXX Open Date : XX/XX/22 XXXX. XXXX XXXX XXXX Date : XX/XX/22 XXXX. XXXX XXXX XXXX Open Date : XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit report pulled and noticed that XXXX, has made an incorrect report on my credit, which has made a significant decrease in my credit score. In XXXX of 2018, there shows a late or missed payment. I have never made a late payment with this account, I was set up on autopay and know that at one point, I did change autopay cards, in which case, I am assuming that this is when the change happened, but nonetheless the payment still should have been removed from my account, thus not making it appear as if I was late. I believe this was reported in error and due to the circumstances stated above ; in my opinion, this should not be on my credit report, which is extremely damaging for a {$24.00} payment. Since opening this account, I have had a great relationship with XXXX and would like to continue my relationship, should this be corrected. Please take my issue into deep consideration, please and thank you. 

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

According to the 15 U.S.C. 1681G Law Violation, The company Universal Credit Services XXXX XXXX XXXX XXXX XXXX, PA XXXX. Has been reporting on my credit which states that it is a closed account. This creditor has been reporting on, my account from XXXX XXXX. Please delete.
Product: Credit reporting or other personal consumer reports

Experian is now retaliating against me due to my last complaint. I received an adverse action notice and when I requested my free report per law, they all of a sudden want me to mail in information or submit it online. Well, of course the online portal takes me all the way through until it errors out ( twice ). They then suggest I mail it. This is time consumes and clear retaliation due to my dispute on XX/XX/year>. I have lived at this address for a decade AND I submitted similar documentation in the past for them to verify me per their request. Now all of a sudden they can not verify me after I submit a dispute to the CFPB. This is clear retaliation and I demand they stop their games and fix my file so that I can request my information, just like every other American citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/25 I went to a Kia dealership in XXXX. I leases a car and my credit was ran on the same day and approved. I got a notification that I had 2 hard inquiries ( which is the normal process ) one from the dealer and one from the finance company. Two days later, I get another notification that my credit was ran again which lower my perfect credit score. This practice should be illegal and the dealership should be the one getting this removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

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

Fraudulent accounts on my credit files and I'm asking that a full investigation be conducted and I'm provided with the Method and every detail of this investigation or you shall remove the accounts immediately. 

1. XXXX XXXX XXXX {$100.00} 2. XXXX XXXX {$420.00} 3. XXXX XXXX {$620.00} 4.  XXXX XXXX / XXXX  5. US Department of EDU {$1100.00} {$2000.00}
Product: Vehicle loan or lease

The problem is had a car that me and ex got I got put in hospital and my ex left with someone else and took the vehicle with him and was 6 months behind so I called the bank to see if they could help get the vehicle since he was behind and they told me theres nothing they could do about it but yet they kept calling me about payments and thats cause my ex told them he had the vehicle and the was gon na make the payments on it Ive tried numerous times and the refused
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters to request an investigation and to remove inaccurate information from my credit report. In my understanding with the Federal Credit Reporting Act, everything has to be 100 % accurate on my credit file. The reponse from the credit bureaus stated my file was properly investigated, how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal, they have violated my rights under ; -15 USC 1681 section 602A -15 USC 1681 section 604A section 2 -15 USC 1681s-2 ( a ) ( b ) ( i )