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

Dear [ Credit Reporting Bureau ], I am writing to dispute a late payment reported on my credit report for the [ Account Name ] account ( XXXX : [ XXXX ] ). 

I have reviewed my credit reports from all three bureaus ( Equifax, XXXX, and XXXX ) and discovered inconsistencies regarding this late payment amount due. While your report reflects a late payment on XXXX, neither Equifax nor XXXX reports this delinquency. Payment was made to the creditor on time and never received a late payment notice Due to this discrepancy, I believe the information on your report is inaccurate. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of information they provide. In this case, the inconsistency across all three reports raises concerns about the validity of the late payment on your record. 

Therefore, I request that you investigate this matter further and remove the late payment from my report. If the investigation reveals the late payment is truly inaccurate, I also request that you update the information with the other two credit reporting bureaus to ensure consistency across all reports. 

In the event you are unable to verify the accuracy of the late payment, I request that you remove the entire ( XXXX : [ XXXX ] ) account from my report. 

I have enclosed copies of my credit reports from XXXX, Equifax and XXXX highlighting the inconsistency in the late payment amounts for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX
Product: Checking or savings account

To whom it may concern, I ordered XXXX XXXX from XXXX on XXXX XXXX  in the amount of XXXX. When I received the order all three of the boxes were empty Ive made XXXX aware of this and they instructed me to contact my bank, Citi representative for some reason denied my claim without giving me any type of reason, my understanding was that my funds and purchases were protected under fdic regulations, Im asking that someone please review this and find a solution for me because that is a large amount of money to lose
Product: Credit card

MILITARYSTAR ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MILITARYSTAR or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MILITARYSTAR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I initiated a transfer of {$55000.00} from my IRA account at XXXX IRA ( XXXXXXXX XXXX ) to my home equity line of credit at my bank, M & T Bank. I used the wiring instructions published on M & T Banks website for domestic wire transfers of funds. 

XXXX IRA wired the funds on XX/XX/year>. M & T Bank claims that they rejected the wire and returned it to XXXX IRA on XX/XX/year>. XXXX IRA claims the funds have not been returned. XXXX IRA also will not identify the bank that performs their fund transfers on their behalf. 

So my funds have disappeared. I have been back and forth with M & T Bank and with XXXX IRA, and neither institution will talk to the other. Neither will own up to having my funds. So Ive lost over {$55000.00} and neither institution will tell me where my funds are.
Product: Credit reporting or other personal consumer reports

I previously sent you a notice ( XX/XX/year> ) requesting a copy of the 1099-C that was filed for the debt that was charged off and you failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) Experian and XXXX said everything was complete and accurate and I asked them how if the balance is wrong? EXPERIAN is reporting a balance of {$3400.00} and XXXX is reporting a balance of {$3400.00}. 

Also, XXXX is reporting the account as open when it is a collection account. Collection accounts from debt buyers can not be open.

Then I asked them to provide me with a description of the investigation in accordance with 15 USC 1681i ( 7 ) and they never did. I have proof via the previous dispute that was filed through the CFPB to the credit reporting agency.

Also, according to 15 USC 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

This is violation after violation. This is causing me stress because I have no hope in this credit reporting system.

Failure to comply will force me to pursue actual damages against the credit reporting agencies. I have proof of these damages and will seek legal counsel if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -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

This complaint is in reference to account # XXXX. XXXX XXXX placed a late payment on my credit report around XX/XX/2018 and my account was taken off auto pay. I have never been late in my life and contacted the company and informed them I was on auto pay and it was taken off early. This was not my mistake and it causing me severe financial harm. I was on auto pay and paying as agreed and their company somehow discontinued the auto pay when it should not have! I have sent them copies of emails from their company with this information. I am even in a new XXXX and signed a new lease and was told by the salesman everything was fine. Please remove this late payment asap, thank you.
Product: Credit card or prepaid card

I told Comenity Bank to close my account last year ( 2022 ). Unfortunately, they deleted my email because they don't retain them past 120 days. Since I've requested they close the account, even though I have bought nothing with the card, they have charged me {$100.00} in late fees. Additionally, they harass me daily with phone calls and text messages. I do not want this credit card and they continue to charge me and claim I owe them a debt when I have purchased nothing.
Product: Credit reporting or other personal consumer reports

I requested The original creditor 's name and address.

The amount of the alleged debt.

Verification that they are licensed to collect debts in my state.

A complete account history, including all charges and fees.

The original wet ink signature of this alleged debt contract.

( FCRA ), 15 U.S.C. 1681 et seq., is Federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agency. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

( code of civil procedure 337 ) The alleged debt is reported from XX/XX/2009. 
This alleged debt is hindering my ability to find affordable housing. Also they are violating 15 USC 1692c.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate credit reporting by SeedFi XXXX XXXX XXXX Bank, which has adversely affected my credit report. 

Account Details : Original Creditor : SeedFi / XXXX XXXX XXXX Current Servicer : XXXX XXXX Complaint Summary : Account History : I opened an account with SeedFi / XXXX XXXX XXXX in XXXX. SeedFi closed and sold the account to XXXX XXXX, which is the entity to which I now make payments. This transfer of ownership was communicated to me, and I have attached relevant documentation confirming the sale and transfer of the account. 

Inaccurate Reporting : Despite the account being sold to XXXX XXXX in XX/XX/XXXX, SeedFi / XXXX XXXXXXXX XXXX has recently reported a XXXX late payment on my XXXX credit report for XX/XX/XXXX. At the time this late payment was reported, SeedFi / XXXX XXXXXXXX XXXX no longer owned the debt, nor was I making payments to them. 

Dispute with XXXX : I have disputed this inaccurate late payment entry with XXXX. Unfortunately, XXXX verified the entry as correct despite the fact that SeedFi / XXXX XXXX Bank did not own the debt at the time the late payment was reported. This verification is incorrect based on the documentation I have. 

Impact on Credit Report : The inaccurate XXXX late payment entry has caused significant harm to my credit report and score. I have always made timely payments to XXXX Technologies, as evidenced by my credit report, which reflects no late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid our account in full with Wells Fargo and closed the account. We were assured the account was closed. They lied and fraudulently left the account open. They proceeded to charge us a fee, not alert us a fee was due, and then charge off the account when we failed to pay the fee. This fraudulent activity has been negatively impacting our credit since XXXX. In XXXX of XXXX Wells Fargo sent us a check and a letter stating that " During a recent review of your account, we identified that an overdraft protection transfer from a linked account may have processed in an unintended manner. Fees, interest, or both related to this transfer are being refunded. As a result, we are enclosing a check in the amount of ( the full amount they claimed we owed ). We apologize for any inconvenience this caused. '' In XXXX of XXXX we filed our third dispute with the credit bureaus to get this taken off our history and Wells Fargo is still refusing to remove this admittedly fraudulent information from our credit report.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a notification that collection accounts showed up on my report. I filed a complaint and let them know the account doesn't belong to me. They close the dispute in less than a week and said it's accurate. I filed a second dispute at the same time and also reach out to the collection agency and told them it does not belong to me. The agency told me to send emails and contact TransUnion. I took it upon myself and went further to call the hospital they reported finding out what's going on and let them know these are not my accounts. the hospital apologize and told the agency to close the account. On XX/XX/XXXX I got a letter from the collection agency stating the accounts are closed and they will notify TransUnion to remove but when I spoke to Transunion multiple times after that and today the last time I called and spoke to a XXXX  at TransUnion is today to find out whats going on and why they are still listed on XX/XX/XXXX. Transunion told me that they have no communication from the agency about removing collections from my account. Transunion closes the second dispute in XXXX stating the collection agency reported the accounts belonged to me and I needed to submit another dispute. At this point, if TransUnion agents are saying there's no communication from the collection agency then the collection agency is lying and putting me through a lot of stress I don't need.
Product: Debt collection

Called the collector when I became aware of the debt while reviewing my credit report advised them i was not aware of debt. They were supposed to delete upon receiving payment. On my report as paid. They advised me on a recorded line that it would be deleted
Product: Vehicle loan or lease

When I paid off my lease there were no instructions except for who to send the money to and for how much. The account was paid XX/XX/XXXX and I received a paid in full letter. I first asked via chat how to get the title on XX/XX/XXXX and was told they release the title to the billing address on file within 30 days of payoff posting. I waited until XX/XX/XXXX to follow up as it was almost 30 days and I still hadn't received anything. I didn't get any help and tried to many times during XXXX. Then I finally called and spoke to someone ( after waiting one hour on hold ) and was told I needed to send the odometer statement. Which they would have to mail to me since my account was closed online. That was the only document mentioned. Waited for that in the mail, as they could not email it and then sent it back. I followed up today, XX/XX/XXXX, and was told now I needed to submit titling instructions. Again, no mention of this step in any of the previous conversations or instructions. Now I have to wait 24-48 hours for it to be emailed. And if I want any of this expedited, as I now have 10 days to submit to the XXXX for my loan, I have to provide a XXXX number. Otherwise it will not be expedited. This is ridiculous how long it's taken! It feels like they are purposely leaving out instructions and making it extremely difficult.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security XXXX : XXXX, Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX agency XXXX XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following account does not belong to me and I'm asking that it be removed immediately. I have kids with the same name but its not their either. The only thing I could think of is when my wallet was stolen., so maybe this is the doing of some perty thief. I'm demanding that this account be removed from my credit files. 

1 ) XXXX XXXX XXXX {$440.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute an incorrect late payment being reported on my account. Under the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are required to accurately report payments, but this late payment is being reported in error. The payment was made on time, yet it remains listed as late on my credit report. Additionally, I did not receive the required 21-day notice before the payment was due, which further invalidates this late mark. This inaccurate information is unfairly harming my credit and affecting my ability to access financial opportunities.