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

I am writing to formally dispute the inaccurate reporting of a late payment for my XXXX XXXXXXXX XXXX Account # XXXX in XX/XX/year>. According to the payment history provided directly from your records, this account was not late in XX/XX/year>. In fact, the payment was made ahead of schedule on XX/XX/year>. Despite providing this evidence, you have refused to correct this inaccurate information, which is both misleading and damaging to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information you report. The refusal to correct this clear inaccuracy, despite being provided with evidence, violates this provision. Additionally, 15 U.S.C. 1681i mandates that you reinvestigate any disputed information if the consumer provides reasonable evidence that the information is inaccurate. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the late payment, despite evidence to the contrary, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Inaccurately reporting a late payment falls under this category and can have severe consequences for the consumer. 

XXXX XXXX Compliance Issues : The XXXX XXXX format, which is the industry standard for credit reporting, requires consistent and accurate reporting of account information. The inaccurate late payment reporting for XX/XX/year>, despite the payment being made in advance on XX/XX/year>, indicates non-compliance with XXXX XXXX guidelines. This non-compliance further warrants the immediate correction of this information. 

Request for Immediate Action : I am requesting the immediate removal of the inaccurate late payment information for XX/XX/year> from my XXXX XXXX XXXX Account # XXXX. Additionally, I request that you provide me with an updated copy of my credit report reflecting this correction.
Product: Debt collection

I am a victim of identity theft and was informed that my information was stolen by someone or Company. My XXXX, Social Security XXXX, and Date of Birth was stolen.
Product: Debt collection

See complaint XXXX, HSBC is stating they never sold this debt to a collections company, if that is true then this collections company is committing fraud to attempt to collect a debt discharged in bankruptcy. HIGHLY ILLEGAL. I have already had my lawyer send a cease and desist letter, however this is extremely concerning and appears highly illegal. Your job is to protect the American public, please do so and find out what is going on here. What I think happened is the collections co went into PACER, pulled some information, and tried to scam me or HSBC is overtly lying on the accompanying CFPB complaint response. This collections co has an interesting reputation online too, called a scam multiple times.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Credit reporting or other personal consumer reports

Transunion is not showing the correct information re XXXX XXXX  acct ending in XXXX. XXXX is showing no late payments payments as agreed see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I just sent a recent police report to Chex Systems for the fraudulent and unauthorized credit inquiries listed on my Chex Systems Consumer Report ID : XXXX, the following Reported Information and Inquiries Viewed By Others currently listed on my Chex Systems Consumer Report are all fraudulent, unauthorized and not my checking account or credit inquiries : XXXX Checking Account : 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 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/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, 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: Debt collection

I paid all balances for XXXX XXXX before moving to XXXX XXXX, including {$100.00} cleaning fee. 
I did not receive the mail keys for XXXX XXXX until last week. 

Last week after picking up the keys, I found a letter from collections for {$150.00} balance. 
The company called me twice and threatened to report this to credit agencies. 
I requested one day to provide proof of payment as the XXXX court office is closed today.

The denied, responded rudely and insisted that I pay immediately and will be put on hold until I make the payment. I requested that I will call them after 1 hour after my meeting. they refused and did not allow anytime and wanted immediate payment. I made the payment and felt this is extortion. This is extremely stressful, disrespectful and intrusive to my work. 

I left work to talk to XXXX court office but the office is closed.
Product: Debt collection

I am disputing a debt with Mobiloans via credit bureau disputes and am repeated called at work. 3 days ago, a man used abusive and obscene language with me and even laughed at me. The debt collector called me very aggressive saying they are taking me to court for a XXXX dollar debt.I said I understand I owe you guys I 'm currently going though a financial organization we can discuss a Payment plan in XX/XX/XXXX not right now. He was trying to intimidate me and laughed at me.I told him per my consumer rights per FTC please do not call me during my work hours send me everything via writing so I can communicate it with my financial representatives.And he started going ok with his intimidated psychology, I replied, I 'm busy so I will hang up if you wo n't stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This car account I had with XXXX XXXX. There was a car accident and the car was totally lost. Cars in XXXX XXXX have insurance and they paid the bank. 

Despite this payment and the debt was settled. XXXX XXXX XXXX  has my account in Charge Off on my credit.

And this prevents me from buying my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Open balance 11 XXXX  Opened XX/XX/XXXX XXXX   XXXX Last reported XX/XX/XXXX {$1100.00} Open balance 08 XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX   Opened XXXX XXXX, XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX   XXXX Original creditor XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$24000.00} Highest balance {$27000.00} Opened XXXX, XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Reported balance Opened XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX, allowed XXXX to overcharge my credit card by {$2000.00}, by the time it was corrected. XXXX XXXX had already closed my account but did not credit my account the proper amount.
Product: Credit reporting

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit card approval for usage with no limit on spending or purchase alongside my account considered paid on time, as agreed in perpetuity pursuant to XXXX XXXXXXXX and any other treaty, benefit or provision necessary to keep compliant and within regulatory guidelines.
Product: Vehicle loan or lease

This company I believe has violated the fair debt collection act on many levels unknowingly while working and communicating with the company they snatched the car in the middle of the night and the Redemption figures they provided are incorrect I can no longer communicate with this company unless it's in writing because they do not document any conversations and all the information they provide changes on a dime and is so inconsistent that I requested proof in writing. 

I no for a fact that they're including a payment that just became due a few days ago in the defaulted amount required to be paid in order to get my car back while that payment is still within its Grace days and is not considered delinquent they also will not give me a breakdown of other charges and frankly I do not charge these people as far as I could spit as they have done so many things I believe that are in violation the constant harassment by phone calling XXXX times a day calling you after you speak to somebody already and still repeatedly calling you it seems to be because they don't document any discussions one has with the company therefore I only deal with them by email as they have also on multiple times text me different dollar amounts that are owed after I repeatedly asked them to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

The three consumer reporting agencies are reporting false and inaccurate information on my credit report. I requested verification and received a response that an investigation was done and that the debts are verified. I never received proof of an investigation which I requested. The debts are still reporting inaccurately The accounts are XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX
Product: Credit card

On XX/XX/XXXX. I received an order for a Vapor Canister from XXXX for my XXXX XXXX XXXX XXXX, that I had placed. The part arrived completely wet and damaged! I contacted XXXX to request a return label ( XXXX ) for the damaged part. XXXX refused to accept the damaged item, even after I sent photos. I contacted Discover Card to try to resolve the issue. I was later notified by Discover, by mail that the dispute had been resolved in my favor and the {$380.00} would be applied to my account. However, in XXXX of XXXX. I happened to log into my Discover card account and noticed that the charge for {$380.00} had been deducted from my credit card account. I was never notified by Discover that any charges had been re-applied and the dispute had been closed. I called Discover several times to continue this dispute with no resolution. I was told by Discover that I had reached the highest level of the dispute and that my account would be reported to all credit reporting agencies because I insisted on continuing with the dispute. I never received any information informing me that the dispute charges had been reversed and applied to my balance. There has been no resolution and I would like to file a lawsuit against Discover and XXXX for my {$380.00}. I still have possession of the damaged Vapor Canister.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company,   XXXX   XXXX  , and  XXXX  financial and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six  months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more tha n one occasio n, and neither  XXXX    XXXX   or this bureau has done anything to address the creditors disregard for the federal laws.     I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had  XXXX   XXXX  account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian Is reporting incorrect information on my credit report. Please investigate immediately..The law was set in place to protect improper use of my credit and I am holding Experian and upgrade responsible.. 
1 no written authorization for my personal information on the credit report 2 The right of privacy by law which they broke after several dispute 3 I want justice this information was sent to all XXXX XXXX and Experian
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX BANK account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want htem to be removed. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a a collections account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXXXXXX  under the account number XXXX a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look on my credit report for the XXXX account number ( XXXX ). The status is coded as XXXX which means I am being scored as 120 days past due on an account with a XXXX dollar balance and XXXX   dollars past due. This is an illegal infraction being reported by XXXX and Transunion. However XXXX   is reporting this correctly. I have tried to dispute this direction with XXXX, XXXX and Transunion without any changes being made.
Product: Debt collection

In accordance with a Fair Credit Reporting Act [ CB/NY & CO CB/VICSCRT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the METHOD OF VERIFICATION multiple times with XXXX  and Transunion concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what XXXX, and Transunion used as proof to verify the bankruptcy. XXXX, and Transunion has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that XXXX  and Transunion investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH XXXX XXXX, AND TRANSUNION whom all are third party agencies. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this investigation because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I will be sending a copy of this letter to the CEO of XXXX and Transunion. I will not accept any more template responses from XXXX  and TRANSUNION!
Product: Mortgage

Dovenmuehle continues to try to collect my mortgage from XXXX despite expending my Forebearance so that the first payment should have been due XX/XX/2023 not XX/XX/2023. My previous complaint here shows that, however their finance department continues to try to say XXXX it was due. 
Everyone that works at this company is derelict in their duties and it takes filing a complaint here to actually get someone competent and/or inspired to actually do their job. 
Please update my records!