23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the reporting of closed accounts on my credit report. The accounts in question are attached to the complaint and have been negatively impacting my credit history due to several reported late payments. I believe this reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

I am aware that under the FCRA, credit bureaus are required to report only accurate and verifiable information. In light of this, I have conducted a thorough review of my credit history and have gathered supporting evidence that demonstrates the inaccuracies in the reporting of this account. 

Firstly, I would like to highlight that the accounts in question have been closed since 2017. As a result, no further activity has occurred since that time, making the reporting of late payments after the closure date highly questionable. 

Additionally, I have diligently maintained timely payments on all my other accounts, clearly demonstrating my responsible financial behavior. This account 's inaccurate reporting is unjustly damaging my creditworthiness, which could have serious implications for my ability to obtain credit in the future. 

I kindly request that you conduct a thorough investigation into the reporting of this account and promptly rectify the inaccuracies. I insist that the account be updated to reflect its closed status and eliminate any references to late payments that occurred after the closure date. 

Furthermore, I would appreciate receiving a written confirmation of the investigation results and any necessary corrections made to my credit report. It is my right under the FCRA to be informed of any actions taken within 30 days of your receipt of this dispute letter.
Product: Credit reporting or other personal consumer reports

I was shocked this morning when I saw incorrect accounts on my credit report, and I cant figure out how they got there. Ive always checked my credit report regularly, but this time, there were random discrepancies that completely caught me off guard. I even tried refreshing the page, hoping it was just a glitch, but nothing changed. These false accounts stayed even after multiple tries to refresh my browser. This is why I need the documents Ive provided to be thoroughly reviewed so I can finally stop worrying about my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

OnXX/XX/24 I went to Toyota of XXXX with the intend of buying a new car, where I agreed to have my credit score checked. The salesperson made multiple offers to persuade me to get the car and one of them was to open a credit card to help with the down payment. The car I was looking into had a down payment of {$4500.00} and I said I had {$1500.00} in cash. Thus, the sales person said I could be approved for up to {$3000.00} if I took the credit card and I would have 0 % APR for 6 months. Still, I declined and never signed anything or said I would come back. Then today XX/XX/24 I received a letter in the mail with my new credit card attached. I did not sign any documents nor agreed to open a credit card under my name. I need to know if my signature was falsified or how does this work for them to open it without my consent or knowledge.
Product: Vehicle loan or lease

I have an auto loan with Ally bank. My vehicle was in an accident and my insurance company deemed the vehicle a total loss. My insurance company mailed a {$30000.00} check to Ally on or aroundXX/XX/2020. Ally bank advised me via a phone call that they have the {$30000.00} payment and they have not posted the payment. I need Ally bank to post the payment and provide me with a payment history, so my GAP insurance can pay the balance of the loan. I have called Ally bank several times and they still are unable to explain why the payment has not posted or when they will post the payment.Today I called Ally and they said the payment would post soon, and they said my insuance company is supposed to pay an additional {$2000.00}. I spoke to the Toatal loss department and they said they were unable to give me a current balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my letters in well over 30 days and the bureaus have not validated debt as stated in my disputes. I have not received anything.
Product: Debt collection

HI PRA ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Product: Checking or savings account

{$1600.00} sent through bill pay ( electronic pmt ) with Chase on XX/XX/XXXX I was notified on XX/XX/XXXX that the mtg pmt had not been received. 
I have been working with Chase since XX/XX/XXXX by telephone having filed a claim for the funds. Chase recently closed the claim advising the funds were sent to the correct party. Mtg pmt has never been received. Chase closed the claim without offering me a temporary credit. 
I have since had Chase ReOpen and escalate the claim as the funds have never posted at ANY institution and Chase can only show the payment as being processed not cleared. 
As of this morning Chase says it will be an additional 5 business days to look into this without any kind of temporary credit to my account. 
I have spoken to at least 25 employees, posted a minimum of 10 documents to my Chase claim to substantuate my claim, have initiated conference calls between my mtg company, Chase and myself with NO resolve to date. 
I feel unprotected by Chase and their actions have left me helpless with my Mortgage pmt now 33 days past due.
Product: Credit reporting or other personal consumer reports

As per the regulations established by the Federal Communications Commission ( FCC ), I have no contract agreement with the accounts attached I am entitled to request and receive a physical, signed copy of any contract that I am alleged to have entered to any of these accounts. Therefore, I formally request that you provide me with a copy of the contract bearing my wet signature that states I have contracted withthem If such a document can not be provided, I request the immediate removal of the account from my records. Furthermore, Per FCRA as a federally protected consumer I am now opting out any and all authorization, the consumer may have given you written, unwritten, verbal, and non verbal per 15USC6802. Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. I kindly request that all reporting violations be ceased immediately, and that my education records be handled in accordance with the regulations set forth by FERPA.

I have also filed a theft report please see attached none of thes accounts are miine.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$140.00}
Product: Debt collection

My family and I were moving out of an apartment complex after our lease was ending to move closer to work. We Moved into the apartment complex in XX/XX/XXXX and move out before XX/XX/XXXX. The leasing agent sent me an email unsigned stating that we still owed {$1800.00} however, they reported {$10000.00} on our credit report for the unpaid balance. I have a written notice from the agency stating that {$1800.00} was all the money owed to them. They also threaten us with this statement ( Demand for possession is hereby made. You are hereby given notice to vacate the dwelling WITHIN ONE DAY of the date on this notice ( four days if the notice was mailed ). Your failure to move out then will result in appropriate legal action by us before the Justice Of The Peace. ) Nothing in the apartment was destroyed just normal wear-in-tear that is common among occupants. Finally, I believe that the law allows up to 30 days in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

*I attached My Personal Info Which is My SSC and Utility Bill The Listed accounts were placed onto my consumer report without my permission. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX *Please see attached documentation
Product: Debt collection

My identity was stolen, however a family member actually did it and had been doing it before she was caught and sent to jail, I live in XXXX being here for 9 years however Im getting this medical bills forward to my address from XXXX XXXX XXXX out of XXXX Louisiana and I dont own them they are FRAUD I tried explaining my situation to them even providing documentation. Now Im getting these harassment phone calls saying my debt been sold to a 3rd party and asking me if I had a procedure at that hospital. RED FLAG THATS HIPPA LAW
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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
Product: Credit reporting or other personal consumer reports

I attended a Wyndam resort presentation in XXXX XXXX, they used my personal information to apply for a credit card without my authority. I specifically told them that I did not want there rewards credit card. I was specifically said that I did not want to apply nor did I want it. I received a credit card in the mail today, it says that is was applied the same day of my attendance at the presentation.
Product: Mortgage

I applied for a loan with Citibank. Based in my salary and credit. I received a pre -approval. The underwriters later ordered an appraisal of my home, and I have at least XXXX in equity. I was told that I may need to pay off a few accounts but that they would move forward. We have emailed 4 or 5 times, and I spoke with the bank direcly. I called my loan officer and asked to speak with the underwriter to question the amount of income they have listed for my rental property. Citibank reported around XXXX per year. I told them that the amounts that they have listed are incorrect ( Citibank gather that I was receiving XXXX per month for a XXXX square foot apartment in a historic preservation area of XXXX XXXX. I mentioned that I received XXXX for the current month and forwarded receipts. I mentioned that I received XXXX in prior years lease, and XXXX per month in the last year. I also provided leases for the past 5 years of rent. Once underwriters spoke to me, the communication slowed. They deciphered that I was an XXXX American woman. I actually provided information which showed me having 600 % more in monthly rental income, nonetheless, the loan did not move forward. After communicating 2 to 3 times per week for a month. Communication stopped. They branch manager not loan officer could provide the silence.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint to dispute the inaccurate and inconsistent reporting of an account related to XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX across different credit bureaus. Specifically, under 15 U.S.C. 1681e ( b ), I have identified several discrepancies that require immediate correction. After thoroughly reviewing my credit reports, the following issues have come to light : Account Name : The account name is different on each report. Original Creditor : The original creditor is different on multiple reports. Reporting History : The payment history associated with this account varies between the credit bureaus. Inconsistent Account Information : The account details differ significantly across the credit bureaus. Account Type and Remarks : The account type and remarks provided in the reports are inconsistent, and the account status differs in each report. Last Date of Activity : The last date of activity reported for this account varies between the credit bureaus, with differing remarks across the reports. Collector 's Information : The collector 's name, contact information, phone number, and address are different across the reports. These inconsistencies suggest improper updates that are misleading and harmful to my credit report. Despite these issues, the account was allegedly updated as accurate. I believe that the failure to properly investigate this account has resulted in the continued reporting of incorrect information. This neglect violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Given these ongoing issues and the failure to correct them, I formally request that XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX be deleted from my credit report immediately. This neglect violates my rights under the FCRA, and I expect prompt corrective action. I have included copies of my credit reports, highlighting the inconsistent reporting across multiple credit bureaus. Rights Under 15 U.S.C. 1681n If this issue is not resolved, I will exercise my rights under 15 U.S.C. 1681n, which pertains to civil liability for willful noncompliance under the FCRA. Key provisions include Willful Noncompliance : Any person who willfully fails to comply with FCRA requirements is liable to the consumer. Damages : Consumers may recover actual damages or statutory damages ( from {$100.00} to {$1000.00} ), as well as punitive damages and attorney 's fees.
Product: Credit reporting or other personal consumer reports

I've attempted to log in to my account for the past 2 weeks. Unable to log in, it tells you to create a new log in which I have done and with each attempt to login, it sends me back to the beginning to start over. I've attempt to reach them via telephone and their recording is corrupted and hangs up. Yesterday, I was told to leave my phone number and they'd call me back XXXX. I did receive a call back stating it was transunion but no one was there and was disconnected. With all the financial problems going on I just want to insure that my accounts with transunion are frozen
Product: Debt collection

I am filing this complaint because IQ Data International have continued to report inaccurate information on my consumer report to all XXXX of the major credit reporting agencies and have been engaging in abusive debt collection practices to try and collect an alleged debt. I sent IQ Data International a cease and desist, and ordered them to cease their abusive debt collection practices but they ignored it and continued to engage in their abusive practices. I also requested validation of the debt and all I received was some papers that I guess where supposed to be statements or something but it's clearly fake. There was no accounting ledger showing any debt, I received nothing sworn under oath or an affidavit verifying their claim, no judgement, I didn't even receive a contract. Pursuant to 15 USC 1692g ( b ) if a consumer notifies a debt collector in writing that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgement, or the name and address of the original creditor, and a copy of such verification or judgement is mailed to the consumer by the debt collector. In the papers that they sent, there was no verification or judgement attached. The papers they sent unable to be verified therefore the alleged debt is invalid. I am demanding that IQ Data International delete all references to this account and remove this inaccurate account from my consumer report IMMEDIATELY! If this inaccurate Information continues to show on my consumer report after you receive this notice I will not hesitate to bring legal action against you for : Violations under the FCRA Violations under the FDCPA Defamation of Character Also I never gave IQ Data International any permission to furnish any Information about me on my consumer report, nor did I give the Reserve at XXXX permission to share my non public private information with an unaffiliated third party which is a clear violation of my right to privacy. IQ Data International obtained my Information illegally and furnished inaccurate Information on my consumer report to try and extort money out of me that is not owed. This would constitute IdentityTheft, Frauds and swindles under 18 USC 1341, and racketeering activity under 18 USC 1961. 

Please do not play with me this will get ugly.
Product: Credit reporting or other personal consumer reports

Card information was stolen in a data breach and all charges were fraudulent. XXXX will not remove negative remarks from my credit reports.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XXXX I deposited a cashiers check for {$20000.00} for an engagement ring. I was not notified until after the transaction that the funds would be under two separate holds. I would be allowed {$5300.00} to be released on XXXX and the remainder to be released on XX/XX/15. When I called and spoke with the representative on XXXX XXXX XXXX at US bank on XXXX XXXX, XXXX Kentucky branch number XXXX. She informed me that despite it being a guaranteed check the two separate holds were standard procedure when I reached out to my loan officer with the news, she assured me this was inaccurate. She then called the bank on my behalf to verify her position with the bank and provide any credentials needed. XXXX XXXX continued to say that this was standard procedure even given the proof that the financial institution guaranteed the deposit. I have since been promised a call from the branch manager, however when I call. My calls are denied unless I call from a number not attached to me. I have reason to believe this is extremely unnecessary in this situation and would appreciate any help available. Thank you.