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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I submitted a letter to the Experian and XXXX XXXX XXXX XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX and for about a year now i have been going back an forth with all three credit bureaus and at first i seen a little bit of progress but now i am starting to notice incontinence in the reporting and also some large accounts that are in collections that i have nothing to due with its clearly fraud and i have deputed them but they wont remove them form my credit reports i am also aware that there is a law that states everything has to be reported the same on each credit site or its grounds for removal well one again there is a problem there to every report is different on each site i am also aware that they are not suppose to report a collection either and they have reported 4 of them and three out of the 4 i have nothing to do with and my address and work history is wrong to and i have greatly been affected by this i am unable to even get a vehicle to get back and forth to work i am also aware of the law that says they have to pay me XXXX for each collection and that is what i am asking for that. that they remove and reimburse me for all the trouble they have caused me in my everyday life thank you.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my Experian credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unfairly impacting my credit profile, and I am demanding immediate action. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is legally required to conduct a thorough and legitimate investigation into these disputed items. If any inaccuracy is found, Experian must ensure that the incorrect information is removed or blocked from my credit report. A simple acknowledgment of my dispute is not sufficientI expect a comprehensive breakdown of the investigation process, including what steps were taken, what sources were contacted, and what documentation was reviewed. 

I will not accept vague responses or automated verifications. I demand full transparency and adherence to federal law. If Experian fails to comply with its legal obligations under the FCRA, I will have no choice but to escalate this matter further. I expect a timely and complete resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas child support division isn't reporting on my credit report right I am not 120 days past due I want it removed I want 120 past due removed
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting an inaccurate and unverifiable DISCOVER account as closed on my consumer credit report. " I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX, I may presume that no proof of alleged, Debt nor therefore any such debt in fact exist
Product: Credit reporting or other personal consumer reports

I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company and credit bureau regarding this account reporting incorrectly. They have ignored the fact that the information is inconsistent amongst the bureaus of XXXX and Equifax. XXXX removed it. I would like for this account to be remove because the INFORMATION IS INCORRECT AND THE ACCOUNT IS OVER 7 YEARS OLD. 

XXXX XXXX AUTO FIN - {$0.00} Closed Overview You've paid off 100 % of the original amount. 

Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$72.00} Opened XX/XX/XXXX ( 7 yrs, 1 mo ) Term months Payment History Last payment -- Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type -- Responsibility Individual Remarks Paid charge off Fixed rate Times XX/XX/XXXX days late XXXX
Product: Bank account or service

I work at XXXX, and have HSA savings and investment accounts. Recently when I was looking at my statements I was surprised to find $ XXXX fee for HSA investment account. On top of this the bank ( BNY Mellon ) also charges $ XXXX fee for HSA savings account. This HSA savings account fee ( $ XXXX fee ) is paid by my employer XXXX. This are very high monthly fees for relatively low balance account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask many times for written proof they had my contest with my signature giving them permission to add this to my credit. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, Dear Consumer Financial Protection Bureau, I am writing to formally express my concern regarding the lack of action taken on my previous complaints about unauthorized hard inquiries on my credit report. Despite multiple letters requesting the removal of these inquiries, no corrective measures have been implemented. According to the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), I am entitled to dispute inaccurate information and seek its deletion if found to be unverifiable or incorrect. I kindly urge you to enforce these provisions and ensure the immediate removal of these unauthorized hard inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

I filled out an application online to try to refinance my truck. I dont remember the website because once the app was filled out in changed hands. The website shared my info with many different credit sources and the last few days I have had 6 different credit inquiries added to different credit reporting bureaus notification system. I am suspecting my information was shared and the credit inquiries are being made illegally without my consent.
Product: Bank account or service

Received a bank cashier check for {$2800.00}. 
This was sent for a {$400.00} internet sale and the {$2800.00} supposedly was sent by mistake. 
I was instructed to send the difference less an extra {$20.00} for the XXXX XXXX. 
BB & T waited 3days before putting a hold on the check as suspicious but not until I had withdrawn the requested balance. 
The check proved to be a counterfeit and at the time I did not know it was possible to counterfeit a cashier bank check. 
I then contacted a XXXX from the BB & T fraud department and was told that I should have been suspicions of a cashier check from a obscure bank. I explained that I was just a retired XXXX on XXXX and how should I have known. When I asked XXXX if BB & T was going to investigate she explained that " they probably left the country by now ''. 
I believe that BB & T should be held responsible for the forged check for the following reasons : 1 ) From the direct words of BB & T fraud department the XXXX branch of BB & T where this was deposited should have been suspicions of the obscure bank the cashier check was drawn from. 
2 ) BB & T should never had issued a withdraw on a suspicious bank cashier check and instead should have waited until this hard posted. 
3 ) Expecting me to believe that the apprehension of the individual responsible for the counterfeit bank check is a pointless idea since they are now out of the country is ridiculous. Since when is {$2400.00} reason to leave the country? This only demonstrated BB & T lack of interest in pursuing the criminal activity and choose the easy route of holding me responsible for the funds. 
4 ) I have a second and supposedly unrelated checking account that was made with a cash deposit. As of XX/XX/2017 I am unable to access these funds and currently have no explanation from BB & T. This action has left me penny-less with now funds for fuel and food until my next XXXX SS check on XX/XX/2017.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX I opened the US Bank Altitude Reserve card because they have advertised that " spend {$4500.00} in 90 days and get XXXX points ''. I paid {$400.00} annual membership fee right away after approval. I used it to book some airline tickets on XXXX and XXXX, and used for a computer purchase and hotel reservation payment on XXXX. On XXXX, my card was involuntarily closed by US Bank. I called XXXX and spoke to XXXX, and he told me, per their T & C, my card was permanently closed because I used my card to buy " cash equivalents ''. I only have these charges to my card for the whole lifetime of the card, and none of them are " cash equivalents ''. Then he said it was closed because some of the transactions are earning me " reward points '' and therefore US Bank decide to close my account. So the fact is, I did not use the card on any " cash equivalents '' ( which XXXX said was forbidden by their T & C ), but they still closed my account nonetheless because my transaction is simply earning rewards points. To date, my rewards point count was XXXX, although they advertised that I could get XXXX points ( worth {$750.00} ) after spending {$4500.00} in 90 days. From what XXXX said, my understanding is, US Bank advertised their card as a " high rewarding card '', but once you use it to earn rewards, your account would be closed by them because they do n't want you to earn the rewards. To me, this is typical " Bait-and-Switch '', and is cheating customers into applying ( and resulting in a hard inquiry and huge negative impact to the credit report because of both the inquiry and short lifetime of the card itself ), and then only keeping those accounts that they do n't need to pay rewards expense. I also used the card to reserve several hotel nights, which would resulted in inconvenience. I can not believe US Bank is doing such cheap thing. And the agent XXXX even said " go ahead and file a complaint if you want '', sound like they do n't care at all.
Product: Checking or savings account

Account Holder : XXXX XXXX Amount : {$14000.00} I was informed my endorsement was not my endorsement on my deposit from XX/XX/2020, therefore my mobile deposit was rejected. I connected with the online banking services on XX/XX/2020 and was informed I will have to wait until the rejection notice arrives to my location, but once I receive the notice I will have to go into a branch and deposit the check in person so the bank can verify my endorsement and they will be able to make the funds available. I also called on XX/XX/2020 to confirm the procedure. Once I got the confirmation on how I must proceed, I went to the local branch in XXXX XXXX, FL XXXX  XX/XX/2020 and deposited the check as instructed. 

Now Wells Fargo states they can not deposit my check. I am not able to deposit the check given XXXX XXXX and XXXX XXXX are in lock down. In need my money and this bank has messed with my finances during a crises period.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and ate last reported is not accurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Responding to Southwest Credit System saying that they didn't need my signature. Well I just got off the phone with the Federal Trade Commission and Attorney General 's Office about this matter. That Southwest Credit System ( XXXX  ) who just sent me attachment of itemize bill statement. They stated that doesn't was not the truth that is why they said this month. FTC, State and Federal Law Enforcement Partners Announce Nationwide Crackdown on Phantom and Abusive Debt Collection Companies. Told me to keep them inform. They said according to the following : 1 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to verify, through the phyiscal verification of the original signed consumer contract- any accounts you post on a credit report. Otherwise, anyone paying to the CRA could fax, mail or email in a fraudulent account. ( So, they said your reply was not truth you are in non-compliance ).

This was stated to me by a FTC lawyer that if you continue in non-compliance to remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. XX/XX/1995 ).

2 ) According to pursant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that claim is disputed and validation is requested. You must provide the following : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; competent evidence bearing mysignature 4 ) Provide a verification or copy of any judgment if applicable ; 5 ) Identify the original creditor ; 6 ) Prove the Statute of Limitations has not expired on this account 7 ) Show me that you are licensed to collect in my state 8 ) Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX  ) this action might constitute fraud under both Federal and State Laws.

ALL NOTE THAT ACCORDING : As per FTC letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verifcation to pay the alleged amount.

I am also attaching a letter that I am sending by cerified mail to you guys. I am maintain a careful record of all my communications for the purpose of seeking damage.