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

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against them if they do not validate the account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX : {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting the account as charged off every month. I haven't made any payments on this account. It is illegal for them to do this since the account has been closed for almost 5 years. They marked charge off for 63 months.
Product: Credit reporting or other personal consumer reports

Account name : XXXX Account balance as of XX/XX/XXXX was {$14000.00} Account balance as of XX/XX/XXXX is {$0.00} I am writing to formally dispute an entry on my credit report pertaining to an account with a {$0.00} balance. The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report. 

It has come to my attention that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is adversely affecting my credit score and financial well-being. This erroneous information is not only misleading but has the potential to hinder my ability to access credit and financial services when I need them most. 
I have made every effort to rectify this situation by ensuring the account is fully paid, and it no longer carries any balance. Consequently, the reporting of this account as a charge-off is wholly unjust and misleading. I am in complete compliance with my financial obligations and deserve an accurate reflection of my creditworthiness. 

In accordance with the Fair Credit Reporting Act, I kindly request that you promptly conduct an investigation into the accuracy and completeness of this entry. Furthermore, I request that you provide me with the results of this investigation within the stipulated time frame, as outlined by the Act. 

I understand the importance of accurate and up-to-date credit reporting and its impact on my financial life. Therefore, I earnestly request your immediate attention to this matter and a swift resolution, resulting in the complete removal of the erroneous charge-off entry. 

I appreciate your prompt response to this dispute and request that you provide me with written confirmation of the removal of this entry once the investigation has been completed. 

Thank you for your cooperation in resolving this matter and ensuring the accuracy of my credit report. 

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

my identity was stolen and used to purchase multiple fraud accounts. i have reported to the FTC multiple times about this matter as well as made a police report and nothing has changed. this is not fair and i would like some results immediately and also would like to be treated like a priority. This is getting ridiculous and i am tired of getting the run around. 

XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$530.00} XXXX/XXXX   XX/XX/XXXX {$770.00} XXXX  XX/XX/XXXX {$630.00} XXXX   XXXX  XX/XX/XXXX {$740.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX {$630.00} XXXX  XXXX  XX/XX/XXXX {$560.00} XXXX/XXXX  XX/XX/XXXX {$660.00}
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to erroneous and conflicting reporting of my XXXX funding account and citizen XXXX account on XXXX separate credit bureau reports, which impacts my creditworthiness and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX is stated as closed on XXXX, yet opened on trans union and experian and citizens XXXX account is stated as closed on XXXX but opened on trans union and XXXX. This inconsistency not only confuses creditors but also adversely impacts my credit score, resulting in financial harm. Attached is documentation of these disputes and the differing reports. 

Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Case law, including Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), underscores the duty of credit reporting agencies to verify disputed information with a higher level of care. Failure to correct discrepancies after notice constitutes a breach of this duty. Furthermore, Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), highlights the adverse effects that inaccurate information can have on an individuals creditworthiness and underscores the necessity of accurate reporting. 

This discrepancy amounts to a violation of my rights under the FCRA and causes me undue financial harm. In addition to conflicting reports, the persistence of inaccurate information could mislead prospective creditors and damage my credit profile.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are accounts reporting inaccuarate, and it is false
Product: Credit card

This is related to complaint XXXX. On XX/XX/XXXX, I noticed my card wasn't working and when I logged in to see whats happening, I noticed someone made hugepurchases for XXXX XXXX XXXX XXXX ( I XXXX  them and they seem to be a XXXX XXXX  XXXX  in XXXX XXXX, California ) .I immediately called Chase to alert them and report as fraud. When speaking with the agent, I scrolled through further and sawcharges dating back to XXXX periodically slipped in every weeks. I have no XXXX XXXX, have never done business with them nor authorized any charges. They charged {$6200.00} and {$2500.00} when I noticed. They tried charging {$9000.00} but thankfully it didnot go through. The previous charges they did were {$1200.00}, {$670.00}, {$840.00}, {$1100.00}, {$880.00}, {$240.00}, {$1100.00}, {$770.00}. Inoticed other charges as well I did. not recognize but it would have taken forever on the call to have the agent sit there and reportall of them. Later, XXXX  sent receipts XX/XX/year>, XXXX XXXX  Complaint Submitted - Internet Crime Complaint Center ( IC3 ) https : //complaint.ic3.gov XXXX to Chase ( there were only XXXX receipts out of the XXXX and they weren't even the high amounts. ) Nothing in full was provided to Chase but Chase went ahead and took their side. Few things to note here : XXXX. My name is no whereon the receipts. It mentions a name XXXX XXXX and the agent mentioned a name XXXX. Both names who I do not know and I amnot related to. XXXX. I noticed this isn't a medical center because the address on the receipts say XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Why would a XXXX XXXX center have an apartment address and no medical records? I looked up the real XXXX XXXX XXXX and noticed their address and phone number was the following : XXXX XXXX XXXX XXXX  XXXX, Ca XXXX XXXX. 
XXXX. The line items on the receipt are related to " Creative Direction '' and " Camera Deposit '' nothing related tomedical. Someone is posing as the real medical center and was cashing out of the credit line. I reported this to the real business to ensure their customers are protected and some one was posing as them. This company under question under XXXX are posing as a medical center and cashing out on the credit line. The address listed on the receipt I contacted the apartment XXXX XXXX and they said the apartment unit XXXX was vacated beginning of XXXX. 
Prior to this back on XXXX i had lost my phone and access to my email. When I finally was able to recover everything nothing seemed out of ordinary and these charges trickled in strategically. 
They made a last attempt at XXXX after the XXXX and XXXX charge in an attempt to liquidate my credit line but thankfully it did not go through. There are many other charges in XXXX to XXXX time frame I do not recognize. I quickly put a stop to it and brought it to Chase attention
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I traded in XXXX XXXX for another XXXX. Our XXXX was already in the middle of being processed. This was in XXXX of XXXX. The refund check was for {$700.00}. It was sent out in XXXX. When checking multiple times with my dealer in XXXX and XX/XX/XXXX. They could not see the check being received. The check was apparently sent to a different dealer in a different town. With the help of the XXXX XXXX we spoke to Kia Finance on the phone to have the check reissued to the proper location since they at that time would NOT issue the check directly to me. XXXX weeks later I called Kia Finance to check that the check was sent. It was NOT reissued or sent. I asked why and they could not give me a reason. I asked for the check to be reissued this time to me and they said they needed written agreement from the dealership. This option was NOT offered when I WAS with the dealer and could have easily done that. I asked for both the check to be finally reissued as well as someone to make an official complaint. I was told that person from the complaint department would call me in XXXX days. They did not call me until approximately XXXX  days later. I waited another XXXX weeks and called to check the status and now they said they tried to call me and were only able to leave a message. I informed them this call was ONLY to complain about their multiple issues with getting me my refund. I informed them that the check SHOULD HAVE BEEN REISSUED BEFORE I even received the call from the person in the complaint department. I tried calling the person that did leave me the response for the complaint however their calls to me only seem to be right before their end of day and I have been unable to get in touch with them and I have left multiple voicemails. This has been XXXX months since paying off the car for me to receive my refund check which as of today XX/XX/XXXX. I still have not received and the company still has not issued. I should have received in XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I would like an independent review of the loan. All email chains, texts and any other communications between the loan officer the underwriter, title company, real estate agents and customer. I applied for a loan on a XXXX XXXX at CrossCountry Mortgage. The loan was for XXXX XXXX dollar home. I put XXXX XXXX dollars down and terms were 50 % payment by cusomer at time of closing. The loan was for the other 50 %. Most of the information requested was gathered between XX/XX/XXXX and XX/XX/XXXX XXXX. It was sent by myself or gathered by XXXX and XXXX at Crosscountry Mortgage. Communications were frequent by text and email. The contract for the purchase was to be completed before or on XXXX XXXX. I was told several times during the process that everything was just great and would close early even as early as XX/XX/XXXX. I asked for a closing on XX/XX/XXXX and explained that I would be out of town. The loan was delayed because of the underwriter constanly. They did not close the loan on XX/XX/XXXX and requested a week extension until XX/XX/XXXX. Last minute request started to come to me until the last request on XX/XX/XXXX. I was not available to gather the information requested becuase I was in meetings until XXXX that day. the comditions os the extension expired at XXXX that day. The requested was not reasonable or timely. I asked several times throughout the process in XXXX if they needed any more information. None of the last minute requests were mentioned earlier in the process. I asked my bank to givie them any information needed two separate times.

The Loan was not Approved becuase of constant delays and unreasonable timely requests. I lost my {$42.00} thousand dollar down payment to seller and XXXX fixed interest rate loan because of the lack of competence and managment of the loan. 
Thank You for your time and please reach out if you need copies of texts and other communications. KEEP ME INFORMED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. 

1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Product: Debt collection

I received a letter from XXXX on XX/XX/XXXX dated the XXXX for a collection they purchased from a medical provider. The debt is not mine I havent received care at this facility and I checked dispute box and returned letter to company as requested on the XXXX of XXXX they reported debt to my credit report before the 30 days required and with satisfying the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have multiple inquiries on my credut report from XXXX XXXX XXXX XXXX XXXX XXXX 3 hard pulls fraudulent. 

XXXX XXXX. 


I have contacted each and was told to contact the credit burea XXXX XXXX stated they would remove within 45 days XXXX and Equifax are telling me I cant dispute the fraudulent inquiries on my credit report. 

XXXX is also refusing to block XXXX XXXX and XXXX XXXX knowingly reporting fraudulent information
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For years I have had an account with Swiss Colony, Ginny 's, and 7th Avenue, who all operate within the parent company Colony Brands, owned by the XXXX XXXX I have maintained an excellent pay history with all 3 of these companies until I fell seriously ill in XXXXXXXX XXXX. I was hospitalized and spent several days in the XXXX for a XXXX XXXX XXXXXXXX. Since I only have XXXX XXXX, with no Supplement, I found myself owing major medical bills, which put me in a dire financial state. I began in XXXX trying to inform these companies of my plight and trying to find out if I could be placed on a hardship program within their company. I call each month. I tell my story over and over again. I am always placed on hold with a promise that I am being transferred to someone who can help me. The same thing happens every single time. I hold for sometimes close to an hour and I never reach a party who has the authority to help me, even after being told to ask for their XXXX XXXX. I am XXXX XXXX XXXX and I live on XXXX XXXX only. I am making an effort to pay my bills but I need help. I don't have the physical strength to keep holding for hours and yet never reach anyone, even after being promised I was being transferred to someone who could help me. Their 7th Ave. company even told me I had placed a Cease and Desist on my account, which I do not remember doing, and they could not talk to me until I sent them a letter. I am at a loss as to what my options are because no one will talk to me. This is extremely poor handling of a heretofore great customer!!!!
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my Equifax, XXXX, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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 letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I bought a XXXX in XXXX. Just 5 months later XX/XX/2014 a drunk driver caused a bad accident and had no ins. My insurance XXXX XXXX totalled my car and paid the car off. They have me in debt still for {$970.00}. The total amount of car was {$17000.00}. Also the debt is well over the statue of limitations. I have write 3 letters to them stating all the above and that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through 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 of ( an original consumer contract with my signature on it ) you have on file. Under the FRCA, unverified accounts must be removed. 

They have ignored my request and just keep sending back the results are accurate. Please help.