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

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # 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. 

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


Please remove this account.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, XXXX, XXXX ] XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX, XXXX, XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX. I request that my current address be updated accordingly. 

Contact Information : I request that my new phone number, ( XXXX ) XXXX, be updated as my primary contact number. 

-I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : -A copy of my driver 's license or passport displaying my correct name. 
-A recent utility bill or bank statement showing my current address. 
-A copy of my phone bill or any other official document that displays my correct phone number.
Product: Debt collection

XX/XX/XXXX XXXX including legal fees I received a call from a restricted number. The person on the other line claimed to be a processor and advised me to contact the following company regarding the matter. The number given directed me to XXXX XXXX XXXX XXXX. I was told that I am being sued for a debt that I have no knowledge of from XXXX. XXXX XXXX XXXX was rude and threaten that I would be sued and have to appear in court. In addition. I contacted the original creditor that I advised me the debt was sold in XXXX to XXXX XXXX XXXX that has since went out of business. I was told by the original creditor that the statue of limitation had ran out and that XXXX was using unlawful tactics to collect on a noncollectable debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : XXXX Acima Digital FKA SIMP {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up complaint against XXXX financial ( previous complaint # XXXX ). 

I was told that a supervisor would call me, and I have yet to speak with a supervisor. 

XXXX said they would remove the negative credit reporting. My credit history still reflects negative reporting from XXXX. Everytime I made a payment and while making additional payments to pay down my amount they would report that I needed to pay more the balance was not going down with the payments I continued to make. 
The amount continued to increase and not decrease. They always included extra fees and resons why I was paying money towardsXXXX told me to make payments ( amounted to $ XXXX ) during the forbearance ; after taking money from my 403b I paid XXXX  what I owed to become cureent. I called a representative she told me that I was current, The representative admitted she also heard the same call, and I then told her another representative told me they would not report my account negative and I was told they would listen to the call where the rep told me incorrect info about my account, they followed up and told me they no longer had any of those calls. Then I told them I would like to speak with a supervisor, and I was told the supervisor was out at lunch ( the call took place around XXXX in the evening ). I was told the supervisor would call me at XXXX XXXX, but I received no call. I have yet to receive a call or resolution. 

I still have no resolution, and XXXX  is not taking any accountability for their reps repeatedly misinforming me and taking my payments, and telling me I had to pay during the forbearance to become current on my loan. 

They took my money, promising me they were going to bring my account current and would not affect my credit. They also told me all of my money would go to cover my interest and payments and that I should make the payments which they did not. They paid taxes with the $ XXXX I gave them and not paid any of my previous payments. Please help. I've been going through this cycle with XXXXfor over a year without any resolution ; I'm never able to speak with the same rep. I can not move on in my life because they are reporting 3 months of missed payments. They confirmed that their reps lied to me and are unwilling to follow up with me. They have not removed the negative reporting even though they confirmed they heard a recording where multiple people misinformed me and also confirmed my account should have reflected current, and they have the recordings and still haven't fixed my credit. Please help!!! I took all of my money from my 403b during the pandemic to secure my home for my family, and I am trying to move on, but XXXX is hindering me. 

I asked for a copy of my tax payments, escrow payments, homeowner insurance payments, communications from XXXX, and transcribed copies of the recording/conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # : XXXX Please review the attached documents supporting my claims. I've called before after I mailed in my disputes but was greeted by someone who was not location in the USA. So I knew they had no idea of my previous claims, and of course they could not locate my files. I have been a victim and would like the correct actions to be taken to remove these items from my credit report.
Product: Debt collection

AFFIDAVIT OF TRUTH. 
The writ I provide for the record, on the record and let the record show, I make freely, with first hand knowledge, as the truth, the whole truth and nothing but the truth, full competent affiant sayeth the following ; In or about XXXX XXXX an Indenture Security, secured by a Promissory Note [ money ] and real estate, for which I never received consideration for as the Grantor for said instruments, executed with whom I was let to believe was XXXX XXXX XXXX XXXXI am the beneficiary, and investor for both instruments, having never received disclosure for such. 
XXXX XXXX is the Holder of the Indenture Security, and has assigned PNC BANK , NATIONAL ASSOCIATION as the sub-servicer for the Indenture Security [ mortgage ]. 
At issue under the SAFE Act, XXXX XXXX XXXX XXXX XXXX, upon checking XXXX XXXX XXXX XXXX XXXX PNC BANK, N.A. has no license to engage in either " loan servicing, nor Indenture Security [ mortgage ] brokerage activities, and I see no records for them having prior authority, unless they can provide to the contrary. 
What they and XXXX XXXX have attempted to do, was switch roles to make me the Surety, Fiduciary, Trustee, when clearly as per INTERNAL REVENUE SERVICE MANUAL 1635 ( REV XXXX ), Catalog XXXX, section on Trust, see page 7, XXXX XXXX XXXX XXXX XXXX and by extension XXXX XXXX are Trustees, for the said instruments, and I the beneficiary, and Executive Order 13502, federal payments for Beneficiaries. 

They, XXXX XXXX, by and thru their Owner Trustee, under Indenture are responsible for any debt, and non payment, not I. 

Attorney XXXX XXXX XXXX, originally a defendant in suit I action against XXXX XXXX, XXXX PNC BANK, N.A. President, for fraud, along with XXXX XXXX XXXX, have sought to foreclose on an instrument neither are party too, and are the wrong party in interest, having no standing and their client no State of XXXX XXXX Loan/Mortgage license to take such actions. 

Consult the Trust Indenture Act, XXXX, XXXX, XXXX for reference on Indenture Security, the National Security Act for Notes, XXXX XXXX and SEC securities laws for registration of Promissory Notes secured by Real Estate. 

If my search is wrong, I ask them to provide proof of such for the record under their full commercial liability, and under the Penalty for Perjury, under the laws for UNITED STATES, the united States of America ; XXXX XXXX XXXX XXXX XXXX number, proof they are a Beneficiary, Title to the Property, registration number of the Promissory Note, registration number of the Indenture Security [ mortgage ] instrument, CUSIP AND CIN numbers, A UCCI Financial statement, proving me as the Debtor and they the Secured Party. 

I write this with full commercial liability, under the Penalty for Perjury, under the laws for UNITED STATES, the United States of America. 

XXXX XXXX, XXXX XXXX u/d/t.
Product: Checking or savings account

My XXXX  passed away on XX/XX/2022. On XX/XX/2022, I contacted Popular Direct Bank of XXXX XXXX, XXXX and was given a list of the items that they would need to close my mother 's XXXX Certificates of Deposit. That was provided via registered mail, notarized, as requested. On XX/XX/2022, I called and was told that everything was there that they needed and that checks would be issued and I should receive them in XXXX days. I called again on XX/XX/2022, and was told that the accounts had become " dormant '' ( even though I had been in contact with them about the accounts ) and so the checks had not been issued. The representative told me that she removed the " dormant '' status and that the accounts could now be closed and checks would be issued and received within XXXX days. That evening I received a call from the bank stating that they required more information, including my and my brother 's social security number in another notarized letter that also indicated what we wanted done with the accounts. That letter was sent XX/XX/2022 and received by the bank on XX/XX/2022. I contacted the bank on XX/XX/2022 and was told they had not received or processed the letter and could do nothing with the accounts. Contacted bank on XX/XX/2022 and was told that the problem with them not receiving the documents was that they had been forwarded to XXXX XXXX. They now can offer no time frame when the accounts can be closed. I have offered to resend the paperwork, but was told that it would still be forwarded to XXXX XXXX and that there is no way to expedite the issue.
Product: Credit card

With my XX/XX/2024 Barclaycard statement they included changes to my interest rates to be effective XX/XX/2024 based on my credit score from XX/XX/2024 instead of my current credit score for XX/XX/2024 since they deliberately found when my score was lowest in order to increase to the highest margin interest. Since they made the decision on XX/XX/2024 they need to use my score from XX/XX/2024 and not retroactively seek out my lowest score. 

I initially tried to use the contact web page which actually doesn't actually allow messages to be sent to them so I then posted on their XXXX page in which I was able to use XXXX messaging in which I just got the run around. 

They know they can't use a past credit score to make a current credit decision!
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : XXXX XXXX XXXX recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted XXXX XXXX XXXX providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. XXXX XXXX XXXX failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
XXXX XXXX XXXX continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that XXXX XXXX XXXX  adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Credit reporting or other personal consumer reports

I have 200 hard inquiries right that should not be on there and saying my payment are late student loan forgiveness still on there that was supposed to been off there my credit score was up now it low
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX  XXXX Balance Owed : {$640.00}
Product: Credit reporting or other personal consumer reports

I have been attempting to rectify an issue with all three credit bureaus regarding inaccurate information about my bankruptcy. Despite multiple requests and a certified letter from the bankruptcy court confirming that the information they received was not from the courts, they have continued to report this inaccurate information on my credit report. This is a clear violation of the Fair Credit Reporting Act, which stipulates that the information on a credit report must be correct and accurate. If this misinformation is not removed within 30 days, I will have no choice but to file a lawsuit. 

also, any information related to the bankruptcy to be removed from the report as well any accounts also discharge need to be removed with this inaccurate information within the 30 days before I file lawsuits
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. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of XXXX XXXX. The Equifax XXXX has failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the Bureaus, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS CHARGE OFF ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : * Account Name/Number : XXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.
Product: Debt collection

I am writing to dispute fraudulent accounts on my credit report, which I believe are a result of Identity theft. The unauthorized accounts are : XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX
Product: Checking or savings account

I received an email stating that there was suspicious activity on my account, and I needed to send in a proof of residency and an ID verification. I sent in the documents that they requested and was told that someone would reach out to me regarding my account. It has now been over a month, and I have sent emails to their support team, outreach and members services. No response from anybody. When reaching out to their customer service over the phone all they tell me is to be patient that my documents are under review. I have bills that are now behind, and my kids didn't get a XXXX due to their negligence. I have read other consumer reports, and this seems to be an issue for more than just myself. I have done everything on my end they have asked of me, I'm just asking that somebody unlocks my account so I can care for my family the only funds that I have are in that account. XXXX : Sent in my documents ; XX/XX/XXXX : sent in my documents again this time to Chime Support, Chime Outreach, and Chime Member Services ; XX/XX/XXXX : sent in my documents again ; XX/XX/XXXX : asked for an update ( was told to be patient they were still under review ; XX/XX/XXXX : asked for an update again ( got nowhwere ) ; XX/XX/XXXX emailed them again asking for update and sending documents in again ; XX/XX/XXXX : emailed XXXX they responded back stating its not in their hands that it is chime but chime says that it is XXXX XXXX and XXXX called and emailed Chime they gave me same response that i have to email XXXX back office and they will get back to me which i have been waiting for their response for a month now.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, and XXXX ) consumer report, and I noticed that XXXX XXXX is reporting an auto loan as a charge off on my consumer reports. The IRS clearly defines a charge-off as gross or ordinary income, income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. The IRS clearly states a canceled debt or charge is income. The reporting of this account as a debt is inaccurate.
Product: Debt collection

A law suit was filed by an attorney for a bulk debt buyer in XX/XX/2017, however, this was the first notification from the debt buyer that I owed the amount stating on the form. I previously disputed the unauthorized charges of {$5000.00} on my credit card when I received the bill with the original creditor and was told that it was under investigation with the fraud department. I followed up with a letter to dispute it with the bank, and continued to wait for a resolution, spoke on numerous occasions with customer service reps who told me it was being worked on. The bank also hiked up the interest rate while I thought the debt was being disputed to 26.99 % from its 17.49 % which increased the interest due to approximately {$4000.00},. The interest due plus the {$5000.00} unauthorized charge amount, and the actual amount owed of {$8000.00} brought the amount to {$18000.00}. I am liable for only {$8000.00}, plus the standard interest of 17.49 %. The bank did not investigate the fraud charges on my credit card account, but sold the debt to a junk debt buyer. I was not notified by the original creditor that the debt was sold, neither was I ever notified by the debt buyer that I owed the amount they claim. I was not given the opportunity to dispute this debt by the debt buyer, but received a complaint for a lawsuit for the full amount of {$18000.00} which I do not owe. This lawsuit should not be used to trigger a dispute with the debt buyer and it appears that there is a violation of the FDCPA. I do not owe the amount of the debt and I am again disputing it.