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

This is my XXXX attempt with TRANSUNION LLC to solve this situation .They are reporting inaccurate late payments and incomplete credit information. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information .The following information therefore needs to be investigate immediately XXXX XXXX XXXX XXXX XXXX I respectfully request for the XXXX time to be provided proof of this alleged item, specifically proof of those late payments are in fact late. Falling that, ( they have already failed 2 times ) the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a correct credit profile to all creditors who have receives a copy within the last 9 month, or the last XXXX years for employment purposes., Additionally, please provide the name, address and telephone number of each credit grantor or other subscriber, Under Federal Law, you have ( 30 ) days to complete your re-investigation.be advise that the description of the procedure used determine the accuracy and completeness of the information is thereby requested as well, to be provided within ( 15 ) days of the completion of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Very bad company with their system Im a victim of fraud identity theft and disputed fraudelent hard inqueires their system sent me a letter in the mail after I sent them a FTC report by mail police report since they told me they need it to have it removed then I got a letter from them with dispute results saying all hard inquiries have been removed from my credit report then I go to see and its still reporting system dscroenecy this is unfair to me last time their office of consumer affairs had to remove this manually and apologized to me for their system doing this to me putting the inquiries back after telling me sending me results showing deleted
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/XXXX, and identified several hard inquiries that appear to lack a permissible purpose under the law. I have attached evidence to support my findings. 

1. XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B. 

2. XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXX XXXX XXXX on my credit report. This account was placed on my credit report in error. XXXX  XXXX XXXX... Date the account was opened XX/XX/2014
Product: Mortgage

I originally got my mortgage through Countrywide which then became owned by Bank of America. I was downsized for a time during the collapse of XXXX and Bank of America sent me a modification agreement adding excessive fees that put me {$16000.00} backwards on what I owed on my house without a clear explanation and added four years to the length of time my mortgage would be paid. They never even sent anyone to the house to look at it the property, but I know they billed us for that. I would like to know if my original mortgage was legal, if Bank of America has a copy of that note, as well as if a reduction of principle balance is possible because they overcharged me. It also appears that they 're reporting my credit history with XXXX 30 day lates and XXXX 90 day lates in recent months when I have not missed a payment since XXXX. We 've been making biweekly payments since XXXX and it does n't appear that they 've been applying as much money to principle as they should be.
Product: Credit reporting or other personal consumer reports

I paid off my house in XXXX. In XXXX, I got a delinquency on my credit report. No one seems to know how I got it on there, and it looks like either retaliation or negligence for trying to solve another credit issue. 

The issue was first noticed in XX/XX/XXXX when I tried to buy a house and had the delinquency on my report from the date of sale, XXXX XX/XX/XXXX. I was trying to fix it, only to find that on my last credit report, the delinquency was ( re ) reported on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

The attached document, " email XXXX, '' shows that I was dealing with this issue as early as XX/XX/XXXX because it was discovered the first time. " Credit Report XXXX '' shows the new reported dates of delinquency, and " XXXX XXXX Reply '' is from my previous complaint, which shows no reason for another report of delinquency in XXXX.
Product: Checking or savings account

This complaint is against Charles Schwab Bank. They closed my online investor checking account ( on XX/XX/2024 ) and sent the money to CA escheatment citing reasons of inactivity while according to their own records I have logged on to the online account less than 6 months prior to closing. Additionally I received no communication email or otherwise about the closure before ( or even after for that matter ) they did so. To make matters worse, when I spoke with their customer service ( on XX/XX/2024 ) they wouldn't give me any other details including what constitutes inactivity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my XXXX credit report that appeared in XX/XX/XXXX on XXXX XXXX. The collection is from Credence Resource Management. The original creditor was XXXX XXXX. The amount is for {$460.00}, and it says the account was opened on XX/XX/XXXX. I have no knowledge of this account. I am very careful about paying my bills when I do owe something. I never got a letter in the mail, an e-mail, or a phone call about this debt. This is a violation of the FDCPA. I disputed this with XXXX, and XXXX will not remove this collection. I have not contacted this company because I do not trust scam artists, and I am unsure what to say to them that would do me any good. I know for a fact that they can not prove this debt is mine, because it isn't. My maiden name is XXXX XXXX XXXX. I got married in XX/XX/XXXX, and my name is now XXXX XXXX XXXX. I don't know which name this company has me filed under.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has knowingly violated FCRA 15 U.S.C. 1681n Civil liability for willful noncompliance. They have not responded within the allotted time. They have also violated 15 U.S.C. 1692g, this agency was to notify me of this in writing five days prior, I was not notified. As the original creditor only I can validate this debt. I do not validate this debt. I have also been involved in identity them these items on my report are not mine. 

Statewide Credit Service Account number:XXXX  Child Support Enforcement Account number : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 From : XXXX XXXX XXXX, XXXX Cell # XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX To : Fraud Dept ; XXXX XXXX : Dispute Conf. # XXXX Regarding XXXX XXXX  I recently spoke with XXXX who stated that she worked in the Fraud Dept. We were discussing my concerns with having to repeatedly dispute a fraudulent claim by a collection agency who is known to have an awfully bad reputation. I have included documentation from the XXXX XXXX XXXX Profile reflecting that in the last three years this company has 448 complaints filed against them. Please understand that most people do not waste their time to file complaints. I have also included a document from a law firm showing that XXXX lost a {$38.00} XXXX lawsuit in the state of Maryland where I live for filling fraudulent claims, because they had no legal standing. 
As you can see from the Superior Court of The District of Columbia the claim that XXXX filed against me was dismissed and that the defendant has satisfied the obligation to the Plaintiff. Therefore, for this company to continue to claim that I owe them money is fraudulent. Will you please not allow XXXX to continue to violate the law. As you review the Equifax file this claim has been disputed too many times already. 

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

In trying to obtain new auto insurance I keep getting told that I either can't be insured or extremely high rate quotes based on Claims Loss Underwriting Exchange Report claiming I have an excessive number of insirance claims. I do not have any, not one insurance claim in over 10 years, maybe a lot more, that are claims that I am responsible for. I have had two accidents in the last five years in which I was NOT responsible as I was T-boned on both occasions by the other distracted drivers. Of course I am/was involved with those claims, but in no way at fault or responsible. A third claim of my involvement was an RV/Camp trailer that was stolen. This was also no fault of mine and has had no affect on my ex wife 's ability to be insured so why am I being targeted with these. If there is anything else on the report, I have no idea. Because somehow a third party company can see my report in a matter of seconds, yet I have to order mine and wait for mailed instructions to tell me how to access it. Well, I need auto insurance now. Anything else in my report about any other claims is going to be false. Whether fraudulent, mistakenly added, duplicated or whatever the case may be. There should be no claims on my record that I am responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus telling them that the inquiries on my account weren't mine and were inaccurate. I sent the Letters on XX/XX/22 I haven't heard back from them. 



I understand that under 15 U.S.C. Sec. 1681i ( a ), that the credit bureaus must complete this reinvestigation within 30 days of receiving my letters.

15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have an identity theft that have the dates on all these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM CREDIT ONE NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. 

The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. 

I have been in the hospital with COVID for a while and recently was released and can now address this matter. 

I Demand XXXX  XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 alleged fraud or extortion. 


XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX  XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX ROW XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an validation of debt letters on XX/XX/2021 to credit acceptance they have yet to send me anything validating the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened disputes. They just kept saying they couldn't open disputes due to accounts being verified but could not prove who they spoke to or who validated the debt. The debt was improperly validated. They are reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have written and submitted 4 rounds of certified mail letters to the credit bureaus to provide me with original contracts with my signatures on the disputed items and they said verified but have asked for proof and they can not provide me with proof. Below is the last written certified letter that we n't to the said credit bureaus. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide XXXX XXXX XXXX   XXXX XXXX XXXX Unverified Account XXXX XXXX   XXXX Unverified Account XXXX XXXX   XXXX Unverified Account
Product: Mortgage

On XXXX I was charged an annual fee for a line of credit on my primary home. In XXXX  I received XXXX letters stating that fifth third bank was exiting my line of credit and I had until XX/XX/XXXX to pay off the remaining balance. 

On XXXX I paid off my balance Fifth third bank charged me an annual fee and then after I paid the loan off refused to reimburse me the fee. 

I think this is wrong that a bank can charge me for a service and then not provide the service. 

I would like the annual fee that I paid reversed and sent back to me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notification of completion of dispute investigation from equifax. Dispute results do not state an actual result. The result states : >>> We have reviewed the current address. The results are : - >>> We have reviewed the identification information. The results are :-
Product: Bank account or service

I opened a Citigold checking account with Citibank in late XXXX last year. When I signed up, there was a promotion offer of XXXX bonus. I used the promotion code of the offer to apply for my Citigold checking account online and my account was reviewed and approved without any issues. After my account had been approved, I got the confirmation via Citi online chat session that I was eligible for the promotion of XXXX and this promotion was successfully attached to my account. The bonus would be credited to my account 90 days after I fulfilled the requirements. I completed all the requirements of the offer : XXXX bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases. After I finished these requirements, I got the confirmation from Citi representative that I had met all of the terms in early XX/XX/2016 plus that I was eligible and the promotion was linked to my account. I have digital proof of all the information mentioned above. Reconfirmed on XXXX, and got the information through secure message that the 90-day mark falls on Saturday XXXX XXXX and the miles will be processed to my XXXX account the following business day XX/XX/2016. They suggested me to wait longer since the incentive should be credited no later than the end of the end of XX/XX/2016-statement cycle. But the bonus were never credited to my account. There is no justification for the delay in posting the bonus. I inquired about this problem via online chat and they opened an investigation on XXXX reward over three weeks ago, but they have n't provided any resolution. 
Meanwhile, there is a relatively high monthly service fee associated with the Citigold account and it would take several months for new account holders to meet all the terms and conditions to obtain the promotional offer. It is not justifiable and should be considered fraudulent for Citibank to attract new customers using promotion offer, collect high monthly service fee from new account holders, and not honor the promotional credit after customers opened their Citigold checking accounts, met all the promotion requirements and paid the monthly service fee accordingly.
Product: Credit reporting or other personal consumer reports

I have been a client for Capital One for several years with excellent on time payment history. However, after reviewing my credit report I've noticed late payments reportedXX/XX/XXXX and XX/XX/XXXX I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
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 Balance : {$11000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Called me on my cell phone at work. Told me that his client had identified a debt under my name and social and he was calling to collect. He asked me to give him my social security number to confirm. I refused to give him my social. He gave me XXXX digits and asked if it was the last XXXX digits of my social. 

I told him that it was not my debt and that he should not be calling me during working hours. He hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years now ( about XXXX ), creditors, like XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  and XXXX ( to name a few ) tell me that I have a credit/ fraud/ extended alert on my credit profile. 

Example- I applied for a XXXX  card recently towards the end of XX/XX/2021, and I received a hard inquiry ( as expected ), however, I then received a letter stating that I have an extended alert on my profile, specifically from Equifax XXXX and that they can not continue with my request. 

Unfortunately, this was an inquiry for nothing ... I've gathered so many inquiries with no result because lenders can't continue with a credit to open or update credit. 

Sometimes, some banks will ask me public records questions to proceed with my request, other times, they say they don't have the capacity ... 

This same thing happens when I ask banks for credit limit increases ... 

According to the lenders, the alert they receive from the bureau says that they need to contact me to verify my identity, but that I have no phone number on file. 

This happens with all three credit bureaus ( XXXX, equifax, and XXXX ), yet all three verify I have no such alert, and that my phone number and contact details are in fact listed on my report. 

My credit has suffered tremendously because I can't reach anyone who can help me with this. 

Today, XXXX XXXX, I've called all three bureaus again. I've written before, too. All three say I have no alert and that the lenders system is at fault. This can't be, as its multiple lenders!