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

My info was stolen at XXXX airport, wallet was recovered multiple days later from the airport security with information in my wallet in a different order than per usual. Over the years clearly it's been misused and I'm seeing this while trying to buy a home. Additional Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with too many inquires from over XXXX companies to fit.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I sent a Verification letter on XX/XX/2023 and have Not received anything back from them. I was served a letter without a case number so I can not put an Answer in to the court because nothing is on file as I was told. I had to look up their lawyers number on the paperwork against me because they had their own number printed ; Got in contact with their lawyer on XX/XX/2023 and XX/XX/2023 and he had No information for me but noted we spoke and said my call counted as an Appearance?? I just got a letter stating they are going to file a Default judgement against me but did Not responded to my Verification letter. Also they added another collection to my credit report in the time they have not verified so a total of 2 account on my credit report from them but No Verification letter. I feel like this cant be right in their part.
Product: Debt collection

I moved out of the XXXX XXXX XXXX  on XX/XX/XXXX and received a receipt that I had a XXXX  balance. Then when I was trying to lease a new apartment, the new apartment leasing agent said that I had a balance of {$100.00} owed to XXXX XXXX XXXX. I went to XXXX XXXX XXXX  on XX/XX/XXXX and asked what this {$100.00} balance was for. They could not find any balance owed yet they had sent me to collections for this {$100.00}. The collection company is Professional Debt. I paid {$100.00} to XXXX XXXX XXXX  even though I didn't have a balance with them, but I needed to get into my new apartment. I have attached the receipt that I received from XXXX XXXX XXXX  on XX/XX/XXXX showing I had a {$0.00} balance plus the {$100.00} paid that I didn't owe. Both the collection and the balance of {$100.00} are being reported to all 3 of my credit reports. This Professional Debt collection should have never been reported to my credit reports at all. Below is the address for the collection company. 

PROFESSIONAL DEBT MEDIAT XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX
Product: Mortgage

M & T Bank enrolled us for biweekly payments which were supposed to be auto payments from our account. They failed to execute the auto payment we were enrolled for in XXXX and did not notify us of their failure to execute the payment. They only reached out to one phone number which was erroneous in their records after the payment date had passed.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  ENHANCED RECOVERY  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax report XXXX opened XXXX XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$4700.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
XXXX XXXX  opened on XX/XX/XXXX and a balance of {$850.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  XXXX with account opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$240.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX and a balance of {$820.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally sent this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon conducting a recent credit report check, I found information that was 100 % factual yet was unverifiable, invalidated, erroneous, and doubtful. This discovery left me feeling quite dejected. 

According to the 15 U.S. Fair Credit Reporting Act, all information in my credit report must be 100 % accurate. 15, and Code 1681e ( b ). Due to the partial truthfulness of their reporting, these accounts are in violation of Code 1681i ( 5 ). Copies of all the letters are attached below.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On my Experian and XXXX report it's showing a closed account as opened and this account associated with XXXX XXXX has been closed since XX/XX/2016 and their still reporting new missed payments.
Product: Credit reporting or other personal consumer reports

Ive reviewed my Consumer Reports and noticed one late payment on my account which has never been late. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late in any payment for this account ( XXXX XXXX XXXX Bank : XXXX on XX/XX/year>. Please investigation and provide proof with statements showing that this payment was late. In addition, if no proof can be provided I demand this payment status to be updated to on-time as they should be as I was NEVER LATE. Thank you in advance.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$4100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$81.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report even after I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account along with original contract, wet signature, and I.d verification so that I may follow up. Additionally, please send me an updated copy of my credit report after your reinvestigation.

As I have not supplied proof under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt exists, and therefore, no such debt exists. 

This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item was being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING : 1. CREDIT CARD FROM XXXX XXXX XXXX XXXX XX/XX/XXXX 2. AUTO LOAN FROM XXXX XX/XX/XXXX A

CCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS. THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY, THEREFORE YOUR ORGANIZATION IS LIABLE. FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : 1. DELETION OF THE ACCOUNT : XXXX XXXX BANKRUPTCY XXXX
Product: Checking or savings account

I bank with Chime. Each month I pay my rent with a check or checks submitted and mailed by Chime to my landlady. On XX/XX/2021, I had 2 {$450.00} checks mailed within 24 hours of each other. Neither have arrived to date. Their records that were visible to me said that one was mailed and that the other was processed. After attempting to explain my predicament to two different agents that struggled with English and didnt comprehend what I needed ( to get my money to the recipient or back to me ASAP or provide the best solution that would be the most favorable to my specific case ), I was referred to the escalation department who emailed me without a solution or assurance that they understood my situation either. Meanwhile, I dont have my money, my landlady hasnt been paid, and they havent given me an answer or a solution to help me in this situation that they created.
Product: Credit reporting, credit repair services, or other personal consumer reports

affiant is aware and has proof that Equifax is in violation of USC 1681c-2. ( a ) ( 2 ).
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

This involves Western Union, two problems. Problem number 1 : Points not credited to my Western Union Rewards account. Agent transactions are now not using the WU Rewards number but the customer 's phone number. They told me my reward points would be posted to my account when the money was picked up by the receiver. The money was picked up, but my rewards points were never credited to my account. See attached receipts dated XX/XX/XXXX and XX/XX/XXXX. Problem number two : Sometime between XX/XX/XXXX and XX/XX/XXXX, the points on my rewards account disappeared. I had made a internet transactions on XX/XX/XXXX and XX/XX/XXXX and rewards points were correctly posted. Upon checking my account on XX/XX/XXXX my entire account points were gone. After trying to get through to many agents to report fraud or theft to my account, on XX/XX/XXXX, a representative said my points had expired. I asked why, and he said they recently expired as I had not used them in a year. I asked him when was this changed and why wasn't I notified. He said I was notified. I asked when and to what email address or home address, and he could not answer. I have been a customer since XXXX and have never had points taken away from my account besides redemptions. My last point redemption was on XX/XX/XXXX. See attached last two transactions and current statement from my account showing XXXX  points. Western Union has done nothing to restore my points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I have tried this once before, and if this doesn't help the second time I will take legal action angainst santander. Santander had an old account on my credit report that should have been deleted. As I do not check my credit since these companies are supposed to report accurately, I didn't know they had this older item on my credit. It caused me to be denied for several loans and rack up a lot of inquiries. When I finally found out what was going on, I had the incorrect item removed from my credit, but the inquiries that were left as a result were still present. When I attempted to resume my credit I was again constantly denied, and the main response was because I had too many recent inquiries. This is becoming a pain to deal with. Unfortunately for Santander I am not a poor man and have zero issue spending money for a lawyer and having them pay damages for the lost revenue I have suffered because of their mistake. After my last complaint they sent me a XXXX letter saying they had the right to pull my credit because I applied for a loan through their affiliation with lenders. That's understandable, but I wouldn't be getting denied if those inquiries didn't exist unnecessarily in the first place. I am allowing them the opportunity to correct the inquiries on my profile as they should before I take legal action. I have already retained my attorney and he is ready to move forward as soon as they issue another substandard reply to the situation they caused me with their inaccurate credit reporting practices. I hope there is a peaceful resolution to this as I am a business owner and pay my bills on time. I don't even have a doctor bill on my credit profile. But if not, there will be a resolution. I feel as though, and my attorney agrees, that inaccurate reporting should be resolved and also the issues that arose from the inaccurate reporting should be resolved along with it.
Product: Credit card or prepaid card

I was notified via text and email on XX/XX/XXXX that my Citibank Credit card was used for fraudulent purchases. Upon being notified I called Citi, confirmed the charges showing to be fraudulent, and had that credit card closed. From there, the charges showed to be in dispute status, and cleared through the Citi app a few days later as taken off my credit card statement. A week later my new credit card arrived and life moved on. 

In mid XXXX, I received a VM from what sounded like spam saying I needed to confirm the charges again to be fraudulent. As I did not recognize the number and was suspicious of the call, I thought the best course of action was to call my credit card company directly using the number on the back of my card. When I connected with a customer service rep and asked what further was needed, they responded that everything looked good for the case, and no further action was needed on my part. 

Early this month, one of the fraudulent charges showed back up on my credit card for the amount of {$1700.00}. XXXX was listed as reverse charge from XXXX 's in North Carolina. I called Citi on XX/XX/XXXX to ask why this was reissued. They stated at the time that the merchant ( XXXX 's ) has disputed the fraudulent claim so they had to reissue the bill. They asked me further questions regarding this charge, of which I confirmed it was not me or my wife 's doing. They said it would be resolved within 48 hours. On XX/XX/XXXX I called again to Citi, as the charge is still showing on my account. I spoke to supervisor XXXX XXXX and asked why this had not been resolved. She said when they have a merchant fight a disputed charge, the charge can be reissued and she can not remove it until a 3rd party company confirms it was fraudulent. She admitted on the call that this looks pretty cut and dry, and said she would email her team to have the charge credited. As of this morning, XX/XX/XXXX, it still shows on my credit card. 

In Citi 's report initially, it show someone used my wifes name and our credit card to order sprinkler equipment online from XXXX 's. It looks to then have been picked up at a location in Florida. The customer name on the order is not ours, with a different email and phone number used. The report says that XXXX 's checked ID but did not capture signature. If they checked ID, there is no way they could have confirmed being my wife or I. Attached is a copy of this report. On page XXXX its pretty clear the customer is not me. 

XXXX XXXX at Citi gave me her email as XXXX. She said to put in the subject line her name so she gets the email. I need help getting this removed from my credit card, as my statement comes due on XX/XX/XXXX, and I don't want this fraudulent charge a part of it with subsequent interest attached if I don't pay. 

Your prompt response to this matter is greatly appreciated. 

XXXX XXXX - Citi Double Cash Card Owner
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose a collections account from XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

A check was sent to Comenity Bank to pay off my XXXX XXXXXXXX XXXX. The check for {$5900.00} was received on XX/XX/2022. As of XX/XX/XXXX, the check has not posted to my account. Another check was received by Comenity Bank on XX/XX/XXXX for {$140.00} that was posted on XX/XX/XXXX, but the larger check still hasn't posted. I have called the customer service line and complained and they said they don't have any way to communicate with the payment department to follow up on the payment. It is unfair in the meantime that interest is charged to my account on a daily basis. The tracking number for the check that was delivered on XX/XX/XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.