23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Immediate Deletion or Validation of Discrepancies Across Credit Reports XXXX XXXX  Account I am filing this complaint to address significant and harmful discrepancies in the reporting of an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) across the three credit bureaus ( XXXX, Equifax, and XXXX ). Despite prior disputes, the inaccuracies remain unresolved, and I am requesting proof of the previous investigation or immediate deletion of this account from my credit reports due to its unverifiable nature. 

Account Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Discrepancies Identified Across Credit Reports : 1. Account Balance : Reported as {$21000.00}, despite the account being closed since XXXX, with no verifiable explanation. 
2. Last Payment Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : Not listed 3. Date of Last Activity : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX 4. Payment History : Ongoing late payments are reported in XXXX ( Equifax & XXXX ), despite the account being charged off in XXXX. 
5. Dispute Status : XXXX : Account not disputed Equifax : Consumer disputes after resolution Request for Proof of Investigation : I am now requesting : 1. Proof of the previous investigation conducted by the credit bureaus and XXXX XXXX XXXX XXXX. 
2. A detailed method of the investigation, including : Records of who you spoke with. 
Their business address, name, and phone number. 
3. Documentation proving the validity of the late payments and charge-off reporting.

If this information can not be provided within three ( 3 ) days, I am demanding the immediate deletion of this account from all three credit reports and an updated credit report reflecting the removal of the inaccurate information.

Violations of the Fair Credit Reporting Act ( FCRA ) : The continued discrepancies and lack of verifiable documentation violate the FCRA by : 1. Reporting inaccurate and conflicting information. 
2. Failing to validate disputed entries.

3. Manipulating the statute of limitations by updating old accounts with false late payments. 

Resolution Requested : 1. Immediate deletion of the XXXX XXXX account from my credit reports if proper validation can not be provided. 
2. Updated credit reports reflecting the removal of this account or corrected information. 

Supporting Documentation : I am attaching : 1. Copies of my credit reports from XXXX, Equifax, and XXXX, highlighting the discrepancies. 
2. Previous dispute letters sent to the credit bureaus. 
3. Any correspondence related to the XXXX XXXX account. 

Impact on Me : The ongoing discrepancies have caused significant harm to my credit score, limiting my ability to access financial opportunities. This is unfair, misleading, and a violation of my rights under the FCRA. 

Thank you for your immediate attention to this matter. I look forward to receiving proof of the investigation or an updated credit report reflecting the deletion of this account.
Product: Debt collection

I contacted this company Portfolio Recov Assc to provide me with a signed contract to validate their claim no one ever responded. I sent out a letter on XX/XX/2022 I ended up sending another letter on XX/XX/2022 Certified mail. I have all my documents!!!
Product: Checking or savings account

USAA took all of my money in my accounts and took all the money comming into my account, social security : XXXX retirement : XXXX XXXX XXXX XXXX, for a couple months until I opened a new account. Even after I opened a new account the XXXX XXXX XXXX XXXX continued for a few months wile I figured out I wasn't getting it. 

The problem was identity theft on my mother-in-laws account. She was having trouble a was calling on a regular basis, she even asked for a new card and was told no by USAA employee, this happened for months. USAA then came after my account. After the neglect handling of her account examples : not giving her a new card ; declining to give a new card ; not doing anything about a recurring charge from the same place for the same amount over and over ; not escalating accounts ; saying they are putting notes in the file and nobody can find. 

For what ever reason they closed her account but still continued to take this charge over and over after being told it wasn't legitimate charges. USAA then started to take everything from my account plus anything comming in, all of my direct deposits,. 

USAA has done nothing to fix this. I have called numerous times and have talked to the executive resolution team just told me they will escalate my account after months of waiting why wasn't that done already. The response was the other account was escalated. In other words I'm getting the run around. 

The people involved are my mother- in-law, my wife, me, USAA and the thief. This is hard for me to type out and I'm sure I'm missing a lot of information so get back to me. XXXX taken from me really hurts and who knows what they got from my mother-in-law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX XXXX XXXX XXXX about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX XXXX XXXX XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not XXXX percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX XXXX XXXX account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On Transunion ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX  60 days late, XXXX  30 days late, XXXX 90 days late, XXXX 60 days late, XXXX 30 days late On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 60 days late, XXXX  60 days late, XXXX 90 days late, XXXX 60 days late, XXXX 120 days late, XXXX  90 days late, XXXX 60 days late On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX  60 days late, XXXX 30 days late, XXXX 90 days late, XXXX 60 days late, XXXX  30 days late Please investigate if every piece of information is correct on the reported late payment history. 
I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Product: Credit card or prepaid card

Hello, I am filing a complaint against capital one for two late fees they claim I owe. My payment was sent post marked before its due date, and they claim they dont have any grace period. This is unheard of. I wasnt aware of this nor have I ever heard of a credit card company that doesnt give their mail paying customers a grace period. This is unethical business banking practices designed to syphon more money from working americans pockets into CEOs and is unacceptable. Please see enclosed complaint to the virginia attorney general which is the home state of their corporate HQ. This is just a tactic used to move funds from the american people into the ceos pocket, and its unethical and sacrilegious. Thank you
Product: Credit card

I was approach at XXXX airport by AMX personal asking me if I have Delta AMX card I told him yes, he ask me if its personal I told him yes, then he told me he can switch over to business and give me XXXX bonus miles, then I told him I do not wants to apply for new CC, he reply he is going to just change it to business not new, I got home see new CC with new account I called on XX/XX/2016 and complain AMX, AMX told me they will get back to me in 7days my ref number from AMX is ' XXXX Today XX/XX/2016 called AMX again and talk to supervisor name XXXX caller ID XXXX did not get response My compline is AMX rep. opened new account w/o my approval or lying to me and effecting my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
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 https : //www.ftc.gov 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy on XXXX. I had a credit card and a line of credit with this credit union they closed credit card account but left line of credit account open so it showed on my credit report late 30 days then 60 days which is late for XXXX and XXXX for the amount of $ XXXX contacted the credit union once I saw inaccurate information and was told that it was accurate but I pulled credit reports And tried to dispute account. Pull new credit report it stated that line of credit account was still open and reporting late payments for XXXX and XXXX which is inaccurate information based on l filed bankruptcy XXXX and that account should have been closed along with the credit card I had with them as well.
Product: Money transfer, virtual currency, or money service

My zelle account was compromised and then hackers were able to trace my zelle account back to my main checking account and wire out XXXX worth of funds that I had to dispute with my XXXX XXXXXXXX. No fraud notification occurred since it started through zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Payday loan, title loan, or personal loan

My loan is past due, as a result I receive daily collections calls via auto dialer. I have provided cell consent, however I have not provided direction or authorization for XXXX  to leave voicemails or voice messages on my number ( XXXX ). Per NC state law, creditors are restricted from leaving voice messages to debtors with an address that resides in North Carolina. Its important that my rights as a consumer remain intact as it relates to Federal and State protections, laws and statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$780.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Credit Limit - Highest Balance {$4400.00} Terms 1 Months On Record UntilXX/XX/XXXX
Product: Mortgage

On XX/XX/2019, I wrote a letter to M & T Bank. On it a explained that my Name and address was wrong. As a result I wasnt receiving the monthly mortgage bill. Also, I tried calling all the telephones provided on the mortgage statement and online but non work. At another time I ask why my mortgage payment increased from XXXX to XXXX. They said that my mortgage had two hazard insurances. On XX/XX/2019, I wrote two letters to M & T Bank. On one I requested, again, to correct my Name and address. On the other one, I sent evidence that my apartment has an active hazard insurance and there was no need for a second hazard insurance. On XX/XX/2019, I received a call from M & T Bank saying that they didnt receive the XXXX payment for my mortgage. I told them that I sent it by certified mail on XX/XX/2019. They responded by saying that it was accredited to the escrow. To this date, it appears as if I have not paid my XXXX payment.
Product: Checking or savings account

On XXXX XXXX, I opened a new account with Huntington Bank only had and account with XXXX XXXX that transferred their accounts to Huntington.

I never personally applied for a Huntington account until XXXX XXXX At that time I was promised {$150.00} if I made a deposit for {$1000.00} within 60 days and in 90 days if the account was in a open status. Within 14 days the {$150.00} would be deposited into my account ending XXXX.

I spoke with several people that the calls were recorded in XX/XX/2022 that I would received those funds. 

Never received the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I noticed that XXXX was show showing inaccuracies regarding XXXX Acct. I asked XXXX and XXXX XXXX XXXX to investigate and delete as it was reporting inaccurately. XXXX fraudulently claimed " verified '' while XXXX stated they couldn't locate an account or dispute from XXXX. 
I then asked for method of verification and XXXX claimed XXXX. I immediately asked for a reinvestigation and sent copy of email from XXXX contradicting XXXX. 
Instead of deleting the account, XXXX 'updated " account showing more negative months than before. 
Then I once again asked XXXX to prove they were reporting correctly and to send me a copy of contract. I was ignored. Then I contacted Innovis who reports to XXXX and was again ignored. Then I called XXXX and was told the account would be deleted in full. 
XXXX refused to delete. I even sent proof that XXXX was reporting the account completely different than XXXX, that XXXX deleted account entirely. Still XXXX refused to delete account. 
XXXX is in clear violation of my consumer rights and is violating the FCRA rules/guidelines. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.
Product: Credit reporting

I called Transunion to inquire about an address I did not recognize on a credit report they mailed to my home. They asked me for my social security number? The report came with a file number and I gave them that. I was then repeatedly asked for my social security number which I did NOT feel safe/secure giving to someone not in the United States. I tried to explain that since this document was mailed to my home and it had a " file number '' which should be unique to MY FILE that I should not have to supply my social security number especially to someone who demanded that I give it to them. Why do you still allow this or any company to ask for social security numbers to verify IDENTITY?
Product: Credit reporting or other personal consumer reports

Reporting incorrect personal information : Reporting multiple incorrect addresses on my credit report : The only addresses that should appear on my credit report are the following, all other addresses are incorrect and create a compromise in my report security.. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX I only have one name and the credit bureaus are reporting several. The following is my exact name as it should appear on my credit report, all others compromise the security of my credit report : XXXX XXXX XXXX My credit report is showing associated with someone name XXXX XXXX and this should not be the case. My Spouse 's name is XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, {$510.00} was paid via debit card to Commenity Bank to settle the balance owed on XXXX card # XXXX. While the initial payment mistakenly entered charge back, the payment was successfully settled on XX/XX/XXXX, and Commenity confirmed the payment was successfully received by XXXX Bank, through the charge back system on XX/XX/XXXX ( Trace/Transaction ID ARN XXXX ). Even though they have confirmed the payment was successfully received, they have refused to apply it towards the balance. Multiple attempts have been made to open inquiries as to why this has not been resolved, however their research process only supports the review of XXXX payments. I have attempted to file complaints with XXXX XXXX XXXX and have found that most of these complaints were never actually recorded. It has now been a year, and I have been informed that the account has been charged off. This is now at a point where my credit is being negatively impacted and many fee 's have been applied to the balance. As of right now an additional {$310.00} in fees and interest have been applies to the balance. At the end of XXXX my inquiry had been escalated to a XXXX that was supposed to investigate the matter further, however they came to the same conclusion : their system is only designed to research missing XXXX payments. Shortly after discovering this information the XXXX closed out my inquiry without further pursuing properly, applying the payment to my account. XXXX XXXX has XXXX my payment for 11 months and does not have a supporting procedure to apply the payment to my account. On XX/XX/XXXX a letter was issued communicating that the account has been charged off and will be handed over to a collection 's agency, XXXX XXXX XXXX XXXX. This letter was issued 15 days after it was deterrmined that further research was required before proceeding. 
We have had numerous denials of our claim, each refusing to research further to find the money. We would expect a full investigation of this matter, with full credit of {$570.00} sent to our XXXX Bank account and all fees and interists removed. Also a repair of our credit standing, showing that this whole fiascal was the fault of Commenity Bank and theirs alone! 

XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

Resurgent Capital Services XXXX. is a third party debt collection company that has harassed me through phone and interstate commerce about a debt I do not owe them. I have no contract with this company at all, yet they continue to harass me with unfair debt collection practices. I sent a letter for debt validation to this company and received a return receipt but no validation. They continue to furnish this derogatory mark on my consumer report and I didnt give consent to anyone to take this action.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

XXXX XXXX XXXX/Company has never communicated via phone, mail, or email that I have ever owed them a debt. This debt has been placed for collections and has been reporting to all 3 credit bureaus. I have no knowledge of this debt. Also upon further investigation, the state of North Carolina requires collection agencies to be registered with the Secretary of State. XXXX XXXX XXXX is not licensed to do business in North Carolina. Their current status is WITHDRAWN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a student loan in XXXX 2012 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$5000.00}????