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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company One Main Financial I received a notice back. That it has to be cause of my personal information. This can be fraud I have received several emails from this place. I even locked my credit report if this is not removed I will contact attorney about this situation. I will not be taken advantage of this need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX account number # XXXX Closed account Incorrect information reporting I have never signed documents to receive a XXXX XXXX credit card and they are reporting negative information to credit bureaus Ive tried to reach out to your customer service with no help as well as XXXX XXXXXXXX
Product: Debt collection

XXXX/XXXX/2023 The company Specialized collection Systems Inc contacted me leaving me a voicemail specifically saying Hello this is SCS Inc. with a message this message is from a debt collector please visit us online at XXXX forward/patient or call us at XXXX thank you and have a nice day please listen for a reference number XXXX I went to the website put personal information in to find out the debt I owed And it site said I owed XXXX I checked my medical insurance and and confirmed I did not owe or have medical debt. 

I came to the conclusion that I was scammed I didnt not pay the company any money The information I gave the company to find out the debt My date of birth My last name My email My zip code And last 4 digits of my social I already contacted an attorney in Texas filing a complaint on this company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is listed that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX my phone number is ( XXXX ) XXXX if you want to contact me concerning the validity of this complaint I'm sending again. On XX/XX/2022 I mailed XXXX XXXX XXXX XXXX an Affidavit of Legal Notice and Conditional Acceptance Upon Proof of Claim. The affidavit is evidence that may be used according to the Federal Rules of Evidence to enforce or prosecute a default by me in this matter. They have failed/refused to respond thus ending the alleged agreement and giving me evidence that they did not follow GAAP. XXXX XXXX XXXX XXXX is and have been concealing material facts. I have been more than patience with XXXX XXXX XXXX XXXX. I have a right to dispute directly with the alleged creditor and they have a duty to respond to my correspondence which they have continuously failed to due. How this is allowed to remain on my credit report is far beyond disbelief. Fraud has been committed when a false statement is made with the maker having knowledge that the statement would be relied upon with the intention that the other party will believe it and act upon it and the party having justifiable reliance on the truth of the statement incurs a damage. I have incurred a damage and humbly demand to be made whole. I am uploading my evidence and demand that XXXX XXXX XXXX XXXX produce evidence that they responded to my inquiry or delete the falsely reported account immediately. Equality is equity and where there is equal equity, the law shall prevail. Thank you for immediate attention to this matter..D.Y.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting the removal of all negative accounts and adverse remarks. It is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware all negative remarks found on my consumer report is a violation of the FCRA and the FDCPA when you can not furnish the validity of the remark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate this inquiry. It is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 11 accts and 1 inquiry on my credit report that do not belong to me they are not mine in any sort of way I bave not used or knoq or signed for these accounts I need them off my credit asap!!!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Product: Debt collection

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account.As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney Generals office.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX approximately around XX/XX/2023 for the second time and demanded the following transactions be excluded from my consumer report because they violate my consumer rights based on the FCRA. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following codes below support my request to have the items above excluded XXXX my consumer report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Checking or savings account

I'm aware that that these two transactions is fraudulent [ XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Tn On XXXX From Card # : XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Tn On XXXX From Card # : XXXX from XX/XX/2021 ] These transactions were unauthorized by my card and someone has obtained my personal information ( identity theft, fraud, error ). I didn't authorize or give ( consent ) for any or ATM withdrawals on my account. Around the time or on this day I was incarcerated ( imprisonment ) So I am not liable. I'm requesting a charge back of my funds.
Product: Consumer Loan

I, XXXX, have made several attempts to reach out to Prestige Financial and find their collection practices to be appalling, to say the least. Their lack of response to my calls or emails is disturbing. I have made several attempts to reach out to them leaving 2-3 messages and I do not receive a call back. We, my wife and I, were going through serious financial hardships and unfortunately defaulted on our car loan to a point where it was repossessed by Prestige Financial. The car loan we obtained for a XXXX back in XX/XX/2012 was for $ XXXX with a high interest rate of 16 %. We had the vehicle for 4 years and paid a total of $ XXXX to Prestige Financial but apparently all the money we gave them went towards interests and late fees. Prestige Financial is still asking us for $ XXXX plus a 16 % interest rate. 

Initially when I contacted Prestige Financial they wanted me to pay {$150.00} towards interest and {$100.00} towards the principle each month. I attempted to explain to them that they were taking advantage of a consumer who could n't pay the car which was why the vehicle was repossessed. I offered them $ XXXX to pay off the file, which in my opinion is more than fair, but they declined my request. I have submitted all my financial information to Prestige Financial where it proves that I am in the red about {$500.00} a month. 

Prestige is now telling me that they will do no interest on the file if I have my employer do a voluntary wage assignment. I do n't understand why my employer has to get involved in my financial discourse with Prestige in order for them to rectify my account. I do not believe it is appropriate that I should have to disclose my financial obligations with my employer and/or co-workers and I have informed Prestige of how uncomfortable this situation makes me. The response I obtained was that, this solution, for my employer and I to sign a payment agreement, is the only option I have to rectify my account. I continued to stress to the representative, that I was more than willing to give her ( XXXX ) my checking account information so they can pull the money straight out of my account but she is declining and forcing me to go through my employer. 

Since I felt I was left with no other options, I disclosed the information to my employer and of course they have refused to get involved in my financial discourse. I am being told that the only way they can do this is through a wage garnishment. To top it off I am completely XXXX at work because now everybody knows my financial difficulties and one of the attorneys, at my job, heckles me over not being able to pay my bills. It is my belief that Prestige Financial has a culture or tendency not to call back consumers or answer their phone calls, in order to allow the debt to increase out of control with interests and fees, in order for them to obtain financial benefit. All I am asking for is to be treated fairly by Prestige Financial and not to be taken advantage of.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Timing Issue : The payment was made on time, but it was processed late due to a bank processing delay. I have attached a bank statement showing the payment was made before the due date. 

Miscommunication : The payment was marked as late due to a miscommunication between the creditor and the bank. The creditor has acknowledged this error but has not corrected the report with the credit bureau. Attached is a letter from the creditor acknowledging the error. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX XXXX was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, XXXX updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since XX/XX/2014. This caused my credit scores to drop 100 points.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account ( XXXX ) was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) They are inaccurately reporting that I was 60 days late when I havent been 30 days late. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

On XX/XX/2023, i sent a verbal and an electronic message to representatives of Suncoast Credit Union requiring them to immediately close all of my accounts associated with Suncoast Credit Union due to their predatory fee policy. This wish was not honored and as a result, i have a negative balance on my Suncoast Credit Union checking account because of NSF fees charged to this account after XX/XX/2023. My accounts had positive balances when i sent the verbal and electronic notices requiring the immediate closure of all my accounts at Suncoast Credit Union on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted many complaints for Bank of America but my I actually had someone reach out to me with my last CFPB complaint. XXXX XXXX form Bank of America attempted to contact me but decided to call and leave a message on someone else 's cell phone disclosing my personal and private information. I will be looking to add this into my lawsuit for damages awarded to me by many state and federal consumer laws. XXXX XXXX also went as far to say on a recorded line and in a written response to a CFPB complaint that he acknowledges that Bank of America does not have anything with a signature or anything else identifying me and tying this account to my name. He admitted with 100 % certainty that the application for this credit card was done online. I would like Bank of America to send me the original form used to get this account an if they can not provide that they are breaking the law. I would like to know who XXXX XXXX contacted and their contact information. He has already admitted this was supposedly an online application, so I want Bank of America to provide me this online document or verification method that was used to tie me to this debt and this account. I will sue Bank of America for continuously breaking the law and I have every dispute, every response ( aside from times where Bank of America felt they do not have to respond to me or they think they can simply send me bogus statements as a " contract '' that ties me to this account ), every letter, every email, and every single collection agency they sold this account to, to provide in court and get the substantial damages owed to me as a result of federal and state laws. I have almost 2 years of documentation that I would love to present in court. They also did not respond in the 30 days set out in the law. XXXX XXXX was 100 % sure this account was signed up for online, so according to the FCRA I request to have everything sent over to me as I have done for almost 2 years and Bank of America refuses to remove this account. XXXX XXXX also told me that none of my other disputes mattered and that it was alright for Bank of America to age this account, because it was in the past and was not reflecting on my current report, even though I sent over countless reports and letters showing Bank of America re-aging this account. I would like to know where XXXX XXXX got the number he called and left a message for me on. As I said he violated privacy laws leaving a message discussing everything I talked about in the CFPB complaint. XXXX XXXX also tried his hardest to tell me that because he sent out some account statements, this account was being reported correctly. 

Attached in this complaint is the past complaint showing multiple credit reports that shows Bank of America re-aged this account on my report. This shows only some of the letters I sent. It also shows where XXXX did an investigation and deleted the account because the information could not be verified and it was not accurate.
Product: Credit reporting

Transunion is reporting false information regarding my payment status with XXXX XXXX XXXX XXXX.I have never been late on any payment with XXXX. This false report is hendering my ability to move forward with my financial health. I have filed disputes with Transunion regarding the removal of this false information. Transunion had removed these negative items but recently began re-reporting them. Please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

credit card account was opened in my name fraudulently. XXXX XXXXXXXX XXXX  refuses to remove from my credit bureau and told me that I had to have it removed, putting the burden on me as a consumer, for something they did. XXXX statement is attached, along with most of the paper trail of this banks actions and non-action. I checked the reviews for this bank, and it appears, this bank has been opening fraudulent account for a couple of years now. I don't understand how this bank is being allowed to chronically break so many banking regulations and they are still getting away with there actions.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX  to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : ACCOUNTS AND INQUIRIRES WHICH I have stated sent docs not mine and you are still reporting them as accurate you need to cease and desist this XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My identity was stolen and used to open fraudulent accounts on or around  XXXX / XXXX / 17 . I 've made numerous calls t o Saks Capital One and wa s previously addressed on complaint  XXXX .     The company 's response stated it was not being reported on my credit report and that the inquiry would be removed.     My credit report just updated and fell over  XXXX  points due to the fraudulent account being reported. This is inhibiting my first time home purchase.