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

This is not a duplicate case. I am submitting this request as I have garnered additional information from both XXXX XXXX and Experian which further proves that they are inaccurately reporting the status of a closed/charged off credit card account to Experian. It also appears that XXXX XXXX has chosen not to correct the action, which comes as surprising as the information is black and white. 

The account is being reported to Experian as past due in the last 60 days, however, the account was settled for the full amount in XX/XX/XXXX ( 90 days ago ). 

Furthermore, I have been in contact with XXXX XXXX and the representative confirmed that the account is being listed as past due, however, she can not modify the account due to it being closed. 

I have since been in contact with Experian and they were able to confirm that the dates of the " late payments '' date back to XXXX and earlier ( five years ago ). 

As you can see this is a discrepency as the account was listed as late within the last 60 days ( XX/XX/XXXX ), even though the late payments are from XXXX and the account was closed out 60 days ago. 

In XXXX I established an arrangement with an attorney to settle the account in payments, making my last payment early, on XX/XX/XXXX. The attorneys office stated the account would close completely in XX/XX/XXXX, 30 days after the payment has posted to their account. 

Since making the payment arrangement with the attorney I have consistently made on time payments, even paying more than the minumum amount most months. 

I need confirmation from XXXX XXXX directly, as to which payments ( month/day/year of the late payments in question ) XXXX XXXX is reporting as late within the last 60 days to Experian. Additionally, if the late payments were not within the last 60 days ( which they are not because the account has been paid off for 90 days and closed for 60 days ), I need that late status removed from my credit report, as it is inaccurate. 

I am looking to have this resolved within the next 30 days or I will be seeking legal counsel for this matter, as it has been prolonged for long enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received my credit report showing a inquiry from CHASE CARD on XX/XX/18 that I applied for a credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary.The item is inaccurate, misleading, or incomplete, may have violated federal law.
Product: Debt collection

Financial Data Systems, LLC is a collection agency for XXXX XXXX XXXX. XXXX did not file the appropriate medical claim to my insurance carrier for payment for date of service XXXX/XXXX/16. This visit was for an emergency room visit and all charges should have been submitted to my insurance carrier for payment. XXXX 's charges are for {$160.00}. FDS reported said amount to two different credit agencies after agreeing to remove said debt from my credit file. They stated that their client had been provided the correct insurance information. My insurance carrier contacted FDS and XXXX to insure that the correct information had been provided. My insurance carrier has yet to receive a claim and this negative information is still being reported to my credit file for an amount I do not owe. FDS has not complied with their original statement to remove this debt. They have been informed on several occasions that this debt should.be filed with my insurance carrier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative collection on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these collection accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the Better Business Bureau . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Mortgage

This title company was referred to us by the lender, XXXX XXXX, with whom we have processes a refinance. Documents were signed last week on XXXX and we were told that after the lender releases the funds to the title company, they will be responsible for paying off our prior loans. The funding date was Monday, XX/XX/XXXX. When the loan was not funded, I called Equity Settlement Services on the afternoon of the XXXX and they said, " Yes we have the wire from your lender but we do not have the authorization to release the funds. You need to speak with your lender. '' On XXXX, we spoke with the lender ( XXXX XXXX ) and our loan officer confirmed that the title company has both the wire and the authorization to release the funds. He complained to us about the service levels at Equity and said this is the second time he has faced this issue. Our feedback was " don't refer them as a preferred title company if they are not delivering on the service levels you expect ''. The loan officer said he would call the title company and would likely have to speak to them five times to get this issue resolved. On the XXXX morning, I as the consumer and someone who paid for the services I am supposed to received from Equity Settlement Services called for an update. First issue, they do not pick up their phones. When they do pick up they put you on hold and then transfer you to a voicemail ( this happened 4 times ). On my fifth attempt I was told to speak with XXXX. I asked if XXXX was in the office, they said yes and then I got her voicemail. After my 6th attempt I finally spoke to a receptionist to whom I stated that I was very frustrated by the lack of service and that if I didn't speak to someone, I would file a complaint with the XXXX. Her response to me " don't threaten us. '' She finally transferred me to XXXX XXXX who told me that she doesn't know exactly why my funds haven't been released but it appears they don't have the release authorization required. She then stated she needed to speak with the funding manager XXXX XXXX to determine what the hold up is. Every day that my loan is not paid off, I am accruing interest. Who is going to pay for this? Me the consumer because the people I paid to take care of this are incapable of following through on their contractual agreement?
Product: Credit reporting or other personal consumer reports

Subject : Demand for Compensation Due to FCRA Violations I am writing regarding a serious error on my credit reports caused by your inaccurate reporting of These following accounts : XXXX XXXX- account # XXXX ( wrong dates ) XXXX XXXX XXXX-account # XXXX ( wrong dates ) XXXX. XXXX XXXX account # XXXX ( wrong dates ) The accounts listed on all three credit bureaus, contained incorrect amounts and dates. 
After filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), they stated that the accounts were never reported on my account which I have proof of and that some of the accounts informations have been updated. You still reported inaccurate information & the damage caused by your inaccurate reporting and actions remains unaddressed. I have suffered financial harm, including being denied credit, incurring higher interest rates, and emotional distress due to your negligence in ensuring the accuracy of my credit report. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I client am entitled to compensation for actual damages, as well as statutory damages for your failure to comply with FCRA requirements. 
To resolve this matter amicably, we demand compensation in the amount of {$1000.00} of each account to cover my damages and emotional distress. Please respond within 30 days of receiving this letter. Failure to address this matter will leave us no choice but to pursue legal action. 

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

I have filed numerous disputes with each credit bureau asking them to remove inaccurate information none of them have done so. Each bureau is reporting something different on my credit report which is grounds for removal of those accounts
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CREDITACPT XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

An individual went the a credit union PENFED and opened an account with my information!
Product: Checking or savings account

We were looking for ticket for an upcoming concert and found a post on XXXX that offered two tickets. We reached out to the seller and negotiated a price of {$75.00} for 2 tickets. The seller then said they had a 3rd ticket they also need to get rid of and we negotiated a third ticket for {$50.00}. Two transactions were process using my Visa Debit card through a service offered by XXXX called XXXX XXXX. Both transactions were on XX/XX/19. 
The first transaction was for {$150.00} and the second transaction was for {$50.00}. A few hours later when I had not yet received my tickets, I reached out to the seller who claimed my payment did not go through. When they were insistent that I send them another {$200.00}, I was starting to sense something fraudulent was occurring. I refused to send the transaction again and sent the seller a confirmation from the first transaction. After my third attempt to contact the seller via XXXX, they blocked me from further communication. I then ( same day ) reached out to XXXX. XXXX   informed me that the transaction could not be canceled and to reach out to my issuing bank, U.S. Bank. I filed a dispute with U.S. Bank and was initially provided with provisional credit. However, after investigation, U.S. Bank debit my account for the full {$200.00} siting that the merchant ( XXXX ) had performed their required service of transferring the money to the seller and did not have any responsibility for the fact that I never received the tickets. U.S. Bank is saying this is also not their liability because although I used my Visa card for the zero liability protection provided by Visa, this particular type of transaction is a money transfer transaction and according to U.S. Bank, is not protected under Visa 's zero liability policy. U.S. Bank is also stating that while consumers are protected by the Fair Credit Billing Act, this particular type of transaction through XXXX  is not covered by that protection as XXXX was acting as a money transmitter, not as a merchant performing a merchant function. In researching and reading through the Fair Credit Billing Act, I disagree with U.S. Bank 's position that this type of transaction is exempt. I was not sending money to a third party, I was purchasing tickets. This was not a cash advance, this was processed on my Visa card like a standard merchant transaction and I expect to receive the protections covered like any other purchase of goods or services.
Product: Credit reporting or other personal consumer reports

Account number:XXXX XXXX XXXX. 
The company did not provide valid documentation that I have an alleged legitimate payment obligation or a contract signed with XXXX XXXX because that is not my debt. The company instead only sent a copy of an alleged contract with a hotel complex that I do not recognize. I have never spoken with that company and the address and other data of the alleged contract do not belong to me. At this point I will take legal action for continuing to violate my rights. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act 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 XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

We got a call from TD Bank asking us if we have authorized ACH transfer of $ XXXX on our business account. We were informed that the account would be immediately closed and he needed to go to a TD Bank branch to re-open a new account. We visited TD Bank the next day to XXXX the account was still active and the funds had been released by TD Bank. There was no record at the bank of any issues with the account. We filed a police report on Monday, XXXX XXXX, 2016. A new unauthorized attempt was made on XXXX/XXXX/16 for the same amount. No one from TD Bank questioned the new ACH attempt and the only reason it did not go through is because of lack of funding. We did not yet have access to the account at that time so it should have been very easy to catch. This may be a case of insider threat, why could they not stop the transfer? This is extremely frustrating and devastating as a small business.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Immediate Cease and Desist Unauthorized Reporting and Violations of Federal Law To Whom It May Concern, This letter serves as formal notice and demand for the immediate removal of account # XXXX from all credit reporting agencies. XXXX XXXX XXXX XXXX and the credit bureaus have violated the following federal laws : 1. 15 U.S.C. 1692c Unlawful Communication : XXXX XXXX XXXX XXXX and the credit bureaus have unlawfully communicated regarding this account in a manner that is abusive and harassing, violating my rights under the FDCPA. 
2. 15 U.S.C. 1692g Failure to Validate Debt : XXXX XXXX XXXX XXXX has failed to validate the debt as required by law. No verification has been provided, and this account must be removed from my credit report immediately. 
3. 15 U.S.C. 1681e ( b ) Inaccurate Reporting : The information reported by XXXX XXXX XXXX XXXX is inaccurate, and they have failed to properly verify the account, violating the FCRA. 
4. 15 U.S.C. 1681 ( a ) ( 2 ) Duty of Credit Reporting Agencies : As credit reporting agencies, you are legally required to report only accurate and verifiable information. Your failure to remove this unverified account constitutes a direct violation of federal law. 
5. 15 U.S.C. 1637 ( 2 ) ( 9 ) ( A ) Unlawful Debt Collection Practices : XXXX XXXX XXXX XXXX has no legal standing to report this account, violating multiple laws regarding debt collection practices. 
6. 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failure to Investigate : As required by the FCRA, you, as credit reporting agencies, have failed to conduct a proper investigation into the accuracy of this account. This is a violation of the law, and you will be held accountable. 
I demand the immediate removal of this account and the cessation of all reporting to the bureaus. This account must be deleted from all credit reports within 24 hours of receipt of this letter. Failure to comply will result in immediate legal action, including arbitration and a lawsuit for damages, legal fees, and punitive damages. 
This is not a request ; it is a demand for immediate action. If this matter is not resolved within 5 days, I will initiate legal action without further notice. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax account shows information of someone else. The address XXXX XXXX does not belong to me. The phone numbers does not belong to me. Accounts and inquiries dono belong to me. I contacted equifax several times and its been three years XXXX  i came to XXXX but equifax claims that information is all mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX  {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions. 
15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I am set up on a rate reduction plan where XXXXNavient auto drafts their payment from my checking account. The payment amount is XXXX from my account is. For the last statement that I received, there 's a late payment charge on there. I 've never been late on an auto draft .... I am under the suspicion that they are trying to sneak in fees to further inflate what I owe. Also, my billing statements do n't seem to add up. Online it shows no more than XXXX or so but I 'm being drafted for about 4 times as much. I understand that paying more will help pay this down but I am already struggling to make these types of payments with my wage. 

They started me on this program last year and it seemed to take a while to kick in. When I called to ask, they gave me some crazy excuse of the payment not going through and tried to make me pay a higher price because " I was late ''. I checked with my bank and all of my money had been there the whole time. I would really like you guys to pull the recordings from last year. I believe they were looking for a way so that I could n't pay the {$550.00} each month but more instead. Their sneaky antics seem fraudulent to me and I 'm not happy to be dealing with this predatory lending experience. 

Also few years ago XXXX XXXX has called my co signers repeatedly even after issues were resolved.
Product: Credit reporting or other personal consumer reports

Re : Transunion Hard Inquiry Deletions To Whom It May Concern, My information was bought and sold illegally because I was a victim of the XXXX XXXX breach. I want these items removed from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX and Transunion has done nothing. 

Please help me delete these illegal accounts from my credit reports. 

XXXX. ) XXXX hotel and travel XX/XX/2023 XXXX. ) XXXX XXXX - XX/XX/2023 XXXX. ) XXXX XXXX - XX/XX/2023 I have also filed and attached a copy of my FTC Report number. 

I do not recognize these inquiries. Please delete them from my Transunion credit report. 

See attachments for proof of the XXXX XXXX breach for deletion.
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, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$7800.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX