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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

SincerelyXXXX 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 submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

unrecognize auto loan hard inquiries. i do not recognized or gave my consent for the following auto loan hard inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX other non auto loans i do not recognize as well includes XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX 2021
Product: Credit card

So I got a Synchrony Bank Credit Card for my XXXX aligners. I paid monthly either the minimum or more, never late. For this months bill due the first of XXXX, I paid on time {$60.00} ( {$50.00} min ) the XXXX of XXXX. I used my moms card to help pay this time which went through with ease, transaction shows on her side as well. 
Today the first, I went to go to XXXX and when I went to pay, it said transaction denied. I checked my bank and it showed I was charged a Withdrawal/Overdrawn for {$30.00} from Synchrony Bank . I texted with an agent explaining and they said they had no charge of {$30.00} on their side, only the {$60.00} that went through. They said they couldnt do anything since they didnt see a charge on their side and to call. I call and same thing, that I must wait 2 days to dispute only if my charge shows on the Synchrony bank as well. I never once had an issue paying when I had a low amount of money paying on time and also charged an overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove some items that are UNKNOWN to me. Im resubmitting a complaint to you today to inform you I was the victim of identity theft. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$830.00} ; XXXX XXXX Balance  : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$25.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Cease and Desist Demand for Collection Activities AccountNumber : XXXX XXXX XXXX XXXX I am writing to formally demand that you cease and desist all communication and collection activities related to the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ), I have the right to request that you stop all contact with me regarding this matter. 

This letter serves as my formal notice to exercise that right. Effective immediately, you are prohibited from contacting me at any time or through any means, including but not limited to : XXXX calls to my home, work, or mobile phone. 

Written correspondence sent to my home or email address. 

Any form of communication with third parties, including my employer or family members, regarding this matter. 

Be advised that failure to comply with this request may result in legal action against your agency for harassment and violation of the FDCPA. Additionally, if you believe this debt is valid, you may only contact me to provide verification of the debt or to inform me of specific legal actions you intend to pursue. 

Please confirm in writing that you have received this cease-and-desist request and that all collection activities and communications will cease immediately. All future correspondence should be directed to me exclusively in writing at the address provided above. 

This letter is not an acknowledgment of the validity of the alleged debt, nor is it a waiver of my rights under federal or state law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

credit collection service XXXX XXXX XXXX XXXX ma XXXX ( XXXX ) XXXX original creditor XXXX XXXX amount u {$120.00} placed collection XX/XX/2017 my name is XXXX XXXX XXXX never owned anthing for this company!! 

att XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Calls daily, seven days a week, from one of two XXXX, VA phone numbers. Calls twice or more, daily, and hangs up. I call back and get connected almost immediately to a call center where they try to force me to pay someone elses debt from creditors with whove Ive never had accounts. They call me multiple times a day, hang up, and then when I call back one of two people answers and they always give me a different random name for who they were trying to contact at my phone number. Theyve tried to get me to pay bills with cable and phone companies that only operate in places where Ive never lived. I receive these nuisance phone calls from these thieves every single day, despite having blocked their number every time that theyve called.
Product: Money transfer, virtual currency, or money service

I was scammed into an international wire transfer on XX/XX/2021 at one of Chase Branch. Chase bank didn't do any due-diligence to help double check the transfer. When the receiving bank saw the suspicious transfers and reached out to Chase to confirm the transactions, Chase was very slow in processing the request and never reached out to me. I eventually lost about $ XXXX and Chase refuse to cover my loss. 
I filed a complaint through Chase and got contacted by the Executive Office. However, after several phone calls to collect the information from me, they didn't give me any conclusion about their internal investigation on the case but only left a voice message saying Chase can not cover my loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the last six months i have been disputing inaccurate derogatory information on my credit report. XXXX XXXX XXXX, experian, XXXX, and XXXX have all re-aged these debts on my credit report and have reported either missing or inaccurate payment history which is a FCRA violation. the last round of disputes i mailed off were around XX/XX/XXXX, i asked for my results to be sent to me via usps mail but nothing ever arrived. due to these inaccurate unverifiable items on my credit report i have been deprived of acquiring new credit. this account has been re-aged due to an inaccurate date of first delinquency. 

EXPERIAN REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE XX/XX/XXXX
Product: Checking or savings account

I purchased three wigs from XXXX XXXX XXXX XXXX through her website that required payment through cashapp with the title being my order number. I then cashapped her {$63.00} to the cashapp provided XXXXMy order number is # XXXX placed my order XX/XX/XXXX. It has now been past a month with no tracking number or update. I placed a dispute with cashapp and requested a refund from her. I did not receive a refund and my dispute was declined after an investigation from cash app that had no report or failed to ask me questions to have an accurate review. I now know her XXXX name changes every other week as well.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Request to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account ( Account # XXXX ). Despite my repeated requests for correction through disputes filed on XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, no changes have been made to address the inaccuracies. These unresolved issues are in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Payment History Discrepancies The payment history for this account contains significant inaccuracies : Equifax reports a 30-day late payment for XX/XX/XXXX, which is incorrect. 
XXXX reports a 30-day late payment for XX/XX/XXXX, which is also inaccurate. 
XXXX inaccurately reflects the account as having a 30-day late payment despite showing no late payments in the detailed two-year payment history.

These discrepancies among the credit bureaus highlight a failure to maintain consistent and accurate reporting of my payment history. The 30-day late payments reported by Equifax and XXXX are false and unsupported by any records. 
FCRA Violations 15 U.S. Code 1681i : Mandates credit reporting agencies to ensure the accuracy of information in consumer files. E

quifax has failed to investigate and correct the disputed information. 15 U.S. Code 1681e ( b ) : Requires credit reporting agencies to adopt reasonable procedures to assure maximum possible accuracy of the information they report. TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reporting of a late payment indicates non-compliance with this requirement.

Impact of Inaccuracy This erroneous reporting has caused significant harm to my creditworthiness and financial standing, creating barriers to obtaining credit at favorable terms. 
Previous Dispute History My first dispute regarding this issue was submitted on XXXX XX/XX/XXXX, and my second dispute on XXXX XX/XX/XXXX. Despite providing the necessary documentation to support my claims, no changes have been made to correct this error. 
Desired Resolution Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation of the correction.

Attachments To assist with your investigation, I am including the following documents : A copy of my government-issued ID.

A copy of my Social Security card.

Copies of the dispute letters from XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 
A highlighted copy of my credit report showing the inaccuracies. 
If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider seeking legal action to protect my federally granted consumer rights. 
I expect your response to this letter within 15 days as mandated by the FCRA. Please contact me if additional information or documentation is required to complete your investigation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I pulled my credit report and discovered I had a collections from XXXX on my credit report. I paid it on XX/XX/XXXX via my XXXX account. I mailed a Certified letter to Coast Professional on XX/XX/XXXX telling them that I paid this debt and could they update there records. They had 3 addresses and I sent the letter to all three. Please see the attached proof of mailing and receipts certified that they signed. Today XX/XX/XXXX I receive a notice XXXX which is garnishment for {$860.00}. This is incorrect.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX and associates continues to get summary judgements on cases without getting hearings by judges even iif request hearing in writing to judges, wonder if judges are more in agreement with XXXX XXXX than the defendant in all cases?
Product: Credit reporting, credit repair services, or other personal consumer reports

Alleged 90 days late was a clerical error from the insurance company on total payment amount for total car payoff, total amount was wrong. Then total payment amount was corrected and the car was paid off in full. Premier Auto Credit agreed to remove alleged 90 days because of the insurance payment error, but never did. I requested numerous times to remove incorrect reporting according to FCRA act. Still waiting for Five years on the agreed verbal and mailed terms. Premier Auto denies receiving such letters and claims the letters may have been lost during moving transition.

Company has many consumer complaints for not agreeing to terms and agreements with their customers. Address on the credit report for Premier Auto is wrong and inaccurate : Previous Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing of about this XXXX XXXX account that was previously disputed and somehow verified as accurate both by Experian and XXXX. It is clear that no real investigation was done as the information is still incorrect and there are inconsistencies with the info showing on both credit reports which should not be the case if both bureaus actually reasonably investigated this account. 
1. Both bureaus are reporting different " Date Opened '' dates. 
2. XXXX reports a closed date but Experian does not. 
3. Both Bureaus are reporting different " date of last activity '' which should not be the case had this been reasonably investigated after my initial dispute.

4. The account status is listed as " closed '' on a " charge off '' but yet lists a " past due amount '' of {$420.00} which is in violation of the FCRA and negatively impacts my DTI when any charge off account should be listed as " 0 ''.
Product: Mortgage

I have for the last few years paid {$300.00} to my Escrow, now my Homeowners Ins. and Taxes come out, they are {$1900.00} for my Ins. 
and {$480.00} for my taxes. That totals {$2400.00} per year from my Escrow which has a total of {$3600.00} in it, now once that amount is paid, my balance is {$1100.00}. Now each year this money in my Escrow just disappears. No record of it, I want to know why did they increase my Escrow payment for more than what is needed and where has the extra money that remains in my Escrow gone? It should go to me or be paid toward my next year Escrow, this has been going on for years now. 
Please, the excess payment has put me in a stressful position for years, so where does the hundreds of extra dollars in my Escrow go too?
Product: Debt collection

LAST YEAR WE ASKED XXXX XXXX XXXX TO CANCEL THE CONTRACT AS WE ARE IN OUR XXXX AND CANT TRAVEL ANY MORE. THEY CONTINUES TO SEND NOTICES AND TREATEN TO DESTROY OUR CREDIT. ENCLOSE IS COPPY OF DEMAND. PLEASE HELP XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX my TransUnion FICO score dropped XXXX points from XXXX to XXXX. The reason given was lack of a non-mortgage loan ( I saved and bought my house, and cars, with cash to avoid interest, and have no need for a loan right now ). I heavily use 5 credit cards, some over XXXX, paying each multiple times per month, and never once in all these years carried a balance forward to the next month. They know this, but somehow, to TransUnion, multiple varying accounts paid multiple times per month is nothing compared to dealing with a single, fixed rate, unchanging, single monthly payment on a loan amount my monthly credit card balances alone would easily exceed, to the extent of suddenly docking my credit score XXXX points. Accordingly, I am led to believe that TransUnion may be gaming the FICO system for the benefit of itself and their bank clients by attacking the credit ratings of banking 's safest customers in an attempt to edge such customers into a safe and profitable loan product for their bank clients. I bring this suspicion to your attention, and that is all. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report late payments on the account XXXX XXXX XXXX which is inaccurate. Who gave XXXX, XXXX, and Equifax permission to report this account as late? The credit bureaus play a vital role in commerce and as a consumer I have the right to credit in which I am being denied due to the inaccurate reporting of these late payments. Neither credit bureau has sent me notice to opt out of these alleged late payments furthermore I have no knowledge of ever giving my expressed or written consent to report this financial account. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ).
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of late marks from the following accounts in my credit profile, as they are inaccurate and misleading. According to the Fair Credit Reporting Act ( 15 USC sections 1681i ), you are required to complete your investigation within 30 days. Failure to do so will constitute a violation of the Act and may prompt an investigation by the Federal Trade Commission. The accounts in question are : XXXX : XXXX XXXX  XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} ======XXXX : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} ======TransUnion : XXXX XXXX  XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. Additionally, please provide proof that these accounts legitimately belong on my report and ensure my rights have not been violated. If no such record exists, please update the inaccurate information immediately.