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

I am writing to formally dispute and seek resolution for inaccuracies on my credit report, as reported by TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following discrepancies, but as of this date, I have not received a response. The details of the inaccuracies and required corrections are outlined below : XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported balance of {$11000.00} is incorrect and is adversely affecting my credit reputation. 
I request a revision of the Past Due information, as it is inaccurate for a closed, charged-off account. 
Kindly mark this account as disputed to prevent further negative impact on my credit score. 

XXXX XXXXXXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$640.00} ) : The reported balance of {$640.00} is inflated and inaccurate. 
Past Due information is inaccurately stated for a closed, charged-off account. 
Request to mark this account as disputed until the matter is resolved with the creditor. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ) : Doubts about the accuracy of the reported balance and Past Due information for a closed, charged-off account. 
Request to mark this account as disputed while resolving the dispute with the creditor. 
Verification requested for Date Opened, Date of Status, and First Reported. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : Uncertainty about the accuracy of the reported balance and Past Due information for a closed, charged-off account. 
Request to mark this account as disputed to prevent further negative impact on my credit score. 
Verification requested for Date Opened, Date of Status, and First Reported. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$15000.00} ) : Inaccuracies in the reported balance and lack of contact from XXXX XXXX. 
Dispute of the entire account and request for verification of Date Opened and Date of First Delinquency.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}
Product: Checking or savings account

I called KeyBank and they refused to close the account. wrote to them ( letter attached ) and they still didn't close the account. They keep charging me monthly fees. This s a scam
Product: Mortgage

Going back 6 months, I " underpaid '' after Pennymac failed to send updated escrow information. I have repeatedly had to call in and make additional " catch-up '' payments to bring my account current. On the rare occasion I get a statement, there is a late payment notice. On calling yet again, I get the runaround until finally they admit that they applied my new catch-up payments to either principle, or in suspense because of the previous late payment that they " accidentally '' forgot to apply the catch-up payment to rectify. I only find this out a few months late because they don't send statements regularly. In fact, I seem to be late receiving a statement yet again. I have not signed up for any online statements to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze with Equifax, XXXX  and XXXX  in XX/XX/2007. On Sunday, XX/XX/XXXX I was told at XXXX that I was preapproved for a XXXX  MasterCard. I provided the last four digits of my soc sec number and told them it would be rejected because of the security freeze. I was shocked when the clerk told me I was approved and approved for {$7000.00}. I said something was wrong it should not have gone through, they said I should get a call from their back office asking me to remove the credit freeze instead I received a text that my card was on the way. I call MC and they informed me that they had acquired by credit information from Equifax. I contacted Equifax The 1st clerk said there was no account for my SS #, his manager said there was an account but she could not see any details I would have to send in a copy of my drivers license and SS card. I spoke to the next level manager and she said the same thing. I also provided her with the 10 digit security number provided by Equifax. I was still told they would not tell me if I had an active freeze nor if it was removed and how and when. They would not provide me with any credit history to see if my identity was compromised. I continued to speak to the next two managers also no help. I called Corp Headquarters to speak with XXXX XXXX to explain my situation I am assuming whatever went wrong on my account has also happened on others and may be a major breach. I was transferred to an office in Nevada or NM and XXXX said she was not in a position to help and transferred me back to headquarters who once again transferred me to the fraud dept that I already spoke with. I was told no one in headquarters would talk to me and no one I was directed to out of headquarters had authority to see the detail of my account. I need to know if my security freeze was compromised and if my identity was compromised. I need to know now not 10-20 days from now. I need to take immediate steps to protect myself if Equifax has breached my security. I also contacted XXXX. The first agent assured me my account had a freeze on the account. I contacted XXXX, the automated system authenticated me and immediately indicated I had a freeze on the account. All freezes were placed in XX/XX/2007.
Product: Vehicle loan or lease

On XX/XX/2019 ; I made a payment online to Santander Consumer, USA ; My CAR loan finance company ; I choose to make a payment of {$100.00} towards the principal ; They will not apply my payment, and want to it to apply to interest. 

When I called to confirm my payment was applied towards the principal loan balance ; Santander refused to apply my payment to the principal ; even when my payment is not due till XX/XX/2019 ; They are very unethical and pricing gouging customers. 

This Company charges me 26 % and has applied less than 10 % towards the principal and has priced gouged the interest rate and have taken advantage of charging 26 % interest rate. 

This is unethical business practices, and they fraudulent represents themselves ; indicating interest is due daily and due daily is NOT what my contract indicates ; I am charged monthly ; denying my right to make a payment towards the principal balance of this CAR LOAN is breach of contract, and misleading representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A REPORT OF IDENTITY THEFT XXXX  has ignored ALL previous attempts citing that the use of Law verbatim, formatting, and font implies that my dispute communication is from some other party than myself. This is very frustrating, I am attempting to purchase a home. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX Creditor : XXXX   - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX  XXXX  - Account : XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX XXXX, XXXX - Account : XXXX Creditor : XXXX XXXX - Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple Letters but my Dispute is still unheard i dot not receive any responses about my dispute. You have thirty ( 30 ) days from receipt of this notice to respond. The Accounts are Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent by certified mail on XX/XX/XXXX requested to remove 4 unauthorized ( see below ) inquiries and a collection ( XXXX XXXX XXXX  ) that should not be on my credit. The XXXX XXXX  only shows on my TranUnion and not on the other two credit bureaus. Under the FCRA and FTC Laws, all information must be accurate, no errors and verifiable. There investigation did not show me where I have signed any authorizations approving these action. Please have TransUnion remove these errors because their investigation did not provide any accuracy. This information that appears on my TransUnion report is not mine and must be removed immediately. 

XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank
Product: Credit reporting or other personal consumer reports

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX  XXXX # XXXX Account & XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

This is one of my numerous 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 and XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under on open consumer credit plan as late for any purpose
Product: Credit card or prepaid card

PayPal issued me a business credit card without my permission. A notice was sent to my email that an " opt out '' should occur. However, I feel credit cards should be an explicit " opt in '' and not an opt out as most consumer privacy laws. Without this opt out, a physical card with active credit limit was mailed to my household. The card was cancelled through PayPal, but customer service was unreachable by phone and did not respond to my request to know how or why the card was sent in the first place.
Product: Credit reporting or other personal consumer reports

These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and Experian is violating FCRA 605C by delaying the process of blocking information within 4 business days. Experian is also violating the requests of consumers who have authorized Agape Advocate Consulting as their point of contact and as their representative.

The Bureau is revising the text of the rule in 1022.142 ( b ) ( 6 ) ( ii ) to specifically provide that the documentation, which may consist of a statement prepared by the consumer, identifying adverse items of information may also be prepared by a designated representative on behalf of the consumer.

The Bureau notes this approach will reinforce the need for consumer reporting agencies to accept trafficking documentation, as required under 1022.142 ( d ) ( 1 ), from third parties identified as assisting with or acting on behalf of the consumer The Bureau also understands some consumers who are victims of trafficking may prefer to provide the physical or email address contact information of the consumer 's designated representative instead of the consumer 's contact information. Accordingly, consumer reporting agencies must use the preferred method of contact identified by consumer pursuant to 1022.142 ( b ) ( 6 ) ( ii ) for communications under 1022.142 ( d ) through ( f ) even if the preferred contact is the consumer 's designated representative and not the consumer.
Product: Checking or savings account

This all started on the XXXX XXXX, 2022 I was on my way home from college abour an XXXX XXXX and went to go pick up food once i left i got a call saying that i have been using my card for suspicious activity and i told that that no that was not me so they said they were going to deny the transaction and i believed keep in mind i was driving so i couldn't look at my phone about the account so they said they were going to give me a new card and everything and so i believe the problem was resolved. On XXXX XXXX, 2022 i looked at my account and realize that about XXXX dollars were tele transfered into my savings account and XXXX dollars were used in transactions for an XXXX XXXX, XXXX XXXX and other stores and the person was using digital wallet for XXXX pay but i never put my card into XXXX  pay nor paid from my phone while also receiving an email saying about fraud suspicion so i called the wells fargo bank saying to them i want to dispute the transaction because i had my card the whole time and i was not in those locations and so they file the transactions and so i turned off my card and changed my username and password because i was not sure if the person went into my account. 10 days passed i got the claim saying that i did those transactions and so i filed a complaint saying that was not me i had my card the whole time and i even talked to the supervisor and the XXXX team and told me to wait more days and so i waited and they still aaid i did the transactions and so i decided to check on why they keeped denying it. A month passed and they still said they cant do anything so i check to see if they got the information right and turns out they did not get XXXX other transactions i told them about so i sent the claim again and 10 days later they said it was still me and keep in mind that card i got rid of the day they sent me the card that was on XXXX XXXX as of right now they have not looked at it and sent me the reports of why they denied my claim and i sent them XXXX claims and XXXX complaints now and still nothing.
Product: Credit reporting or other personal consumer reports

I sent a multiple disputes regarding the inaccurate information on my credit report. It has been more than 30days and I received no response or resolution. I want to reiterate that XXXX with the account number XXXX is reporting 100 % incorrect. This account is always paid on time and never been late. According to the provisions outlined in 15 USC 1666B, I believe these discrepancies constitute billing errors. It's important to note that I have consistently paid this account as agreed and on time. Therefore, the presence of these errors is concerning and appears to be in violation of regulatory standards. I have observed discrepancies in the reported balances and dates associated with this account. 

There is also a unauthorized inquiry on XXXX, I never made any transaction with XXXX dated XX/XX/year> this is 100 % inaccurate.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian because an old delinquent account remains on my credit report past the time it shall remain on report. This account went delinquent in XXXX and closed XXXX. According to Experian, their site states Delinquent payments remain on your credit report for seven years from the original delinquency date, and even one 30-day late payment can damage your credit score. Of course, the more payment due dates you miss, the greater the negative impact is on your credit score. Its almost been 9 years. They said it will remain until XXXX XXXX  I disputed this because this is an error, I should not have to fight to have this fixed, especially when they state themselves 7 years since the account became delinquent. I have been very responsible since this and its a shame they cant fix their error. I appreciate any help in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a PNC Bank credit card opened in XXXX, XXXX closed in XXXX XXXX. I believe the amount originally charged off has been reporting inaccurately, therefore I am requesting a copy of all the statements from XX/XX/XXXX through XXXX, XXXX. 
Further, XXXX has not been reporting the date this account was charged off and the date of last activity of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit and I found an account with a company that I never authorized.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a dispute via Equifax dispute ID XXXX XXXXXXXX that this data was inaccurate for these accounts that you are reporting on my consumer profile : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You provided a response that these accounts remains unchanged and your reinvestigation was completed. These accounts are still inaccurate and you are now in violation 15 USC 1681EB.

According to 15 USC 1681EB You are supposed to assure maximum possible accuracy. These accounts are not accurate according to the Fair Credit Reporting Act. These accounts were either re-aged up to todays date and/or they has a status of " collection or charge-off '' with " paying as agreed/never late '' Re-aging of collections accounts refers to the practice of changing the date of first delinquency on a debt to make it appear newer than it actually is. This can extend the time the debt appears on a consumers credit report, which is negatively impacting my credit score.

This date is crucial because it determines when the account will be removed from my credit report. This practice is illegal under 632 of the FCRA, and 15 U.S.C. 1681s-2.

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Product: Checking or savings account

XXXX/XXXX/122 i received an email from chime stating that my account was temporarily closed. I was asked to provide documents and pictures of me to verify my identity. I provided Everything they wanted. they gave me specific time to wait for them to respond back. Each and every time they took longer than stated on the email i received. i even begged them to look into my case because i have children and we are currently going through financial hardship and needed to pay a hotel. i have no money to feed them and i lost my recently. i tried to get atleast XXXX to pay the rest of the valance for a room and they could not help. i lost time money and my family in a short time because Chime refuses to unlock my account. Now i begging you to help me.