23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed XXXX  XXXX XXXX account due to inaccuracies to the balances and company addresses. The dispute came back verified in less than a week. However once I disputed XXXX on this website I was sent information that validated my dispute. The repossession from XXXX consist of so many errors but I will focus on the balance. The deficiency notice says that I owe them {$10000.00} the amount being reported states I owe {$10000.00}. Even after the going through all the paper work they sent me I actually owe alot less. But their document states {$10000.00} and the bureau is reporting {$10000.00}. They did not provide proof on how they verified the reporting amount. Attached is the paperwork sent from XXXX XXXX XXXX the owners of XXXX to this website from a previous dispute. The credit reporting agency have violated my consumer rights by not successfully investigating my dispute and continuing to report inaccurate information. Of they would have investigated properly they would have seen that the balances are different.
Product: Credit reporting or other personal consumer reports

I am griteing to disputed accounts on my credit report that were whithout my consent. According to section 604 of THE FAIR CREDIT REPORTING to section ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am attaching FTC Report Number : XXXX to this communication to further support my complaint and provide additional evidence relevant to the matter. This report contains critical information that substantiates my claims and highlights the need for a thorough review and investigation of this case. I appreciate your prompt attention and resolution of this matter.
Product: Credit reporting or other personal consumer reports

I recently tried to apply for a home and was denied, after obtaining a copy of my credit report there are some major issues that need to be addressed. I found the following accounts to be in error : 1.Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Account XXXX : XXXX Please Delete Immediately 2. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX  Account Number : XXXX Please Delete Immediately 3. 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy XXXX  Account Number : XXXX Please Delete Immediately 4. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 5. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX Account Number : XXXX Please Delete Immediately
Product: Credit card or prepaid card

Good Afternoon BestBuy/Cbna Representatives, I was actually shocked today when I signed up for a credit monitoring site and noticed that there were some late payments on my credit report. What actually hurt me more, is that I have an exceptional payment history with this company since XX/XX/XXXX with no late payment and now you guys marked me late in XX/XX/XXXX for 30 days late. If you check my overall creditworthiness, you will see that I pay all my bills on time with absolute NO late payments. I really love the relationship I had so far with you guys, and I'm certain that this was a mistake. 

I work in XXXX Industry ( XXXX  XXXX XXXX ), and even though i haven't worked since late XXXX i still pay my bill before i actually buy food due to the relationship i have with my credit card companies and the obligations I have. Honestly, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

Sorry for my grammatical errors as English is not my strongest language. I speak XXXX XXXX and XXXX. But Thank you in advance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act grain acount # XXXX XXXX acount # XXXX XXXX XXXX acount # XXXX XXXX XXXX XXXX XXXX acount # XXXX and XXXX XXXX XXXX  acount # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX acount # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my federally protected rights 15usc1681 section 602A states I have the right to privacy.15 usc1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

I have already disputed the items below on XX/XX/XXXX but the bureau did not remove SEC.602 states i have the right to privacy XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

I purchased a used recreational vehicle ( RV ) from a private seller in XX/XX/XXXX with a loan from Bank of The West ( BOW ). As of XX/XX/XXXX I am still unable to use the RV due to BOW failure to register the RV. BOW initially provided the incorrect mailing address to the sellers bank, XXXX XXXX XXXX Bank. XXXX XXXX XXXX Bank mailed the title to the invalid address and the title was subsequently lost. I have contacted the " customer service '' department of BOW via phone and email dozens of times. BOW asked that I reach out to the seller and request their drivers license to request a new title. After telling BOW that I do not work for BOW and I would not reach out to get the DL, they told me that in that case there is nothing they can do. I relented and reached out and provided BOW with the DL as requested. My most recent attempt to get a status update on the title was via email sent on XX/XX/XXXX. BOW has not responded to my email as of XX/XX/XXXX. I have been paying principle, interest, insurance, and storage for the RV for 13 months now and am unable to use the RV due to BOW 's negligence.
Product: Checking or savings account

First of all, I was not even using my account in the regular course of my business. It primarily functioned as a savings account. I did need to conduct international transactions in XXXX in a court matter, and so I did previously use the international XXXX account for that, but that was months ago. Secondly, I was never notified that my account was closed, I only found out from a third party banking partner when they notified me today my regular monthly ACH transfer did not succeed. When I logged into Wise to check on it, I was informed my accounts were closed. This failure to communicate this important decision to me in a timely manner is unacceptable and creates undue burdens on myself and business. Third, I reviewed the terms and conditions our of agreement and the acceptable use policies, and none of them were violated by my ( non ) activity. Of course, no reason has to be provided and more than likely my accounts were closed under what I like to call the " XXXX provisions '' which are in every agreement somewhere that basically state they can terminate the service for any reason or no reason. Fourth, I attempted to contact them to request my statements but they refused to allow me to use chat, saying it was full, and their phone number failed to connect. Maybe if they weren't so busy closing everyone 's accounts for no reason, their support lines would not be clogged. The statements of all accounts for all XXXX  months of XXXX will need to be immediately provided.
Product: Credit card or prepaid card

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( CAPITAL ONE XXXX Opened date : XX/XX/17 Balance {$350.00}, CAPITAL ONE BANK USA N ***** Opened date : XX/XX/17 Balance {$350.00} ) This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balanceindicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to 0 or eliminate the item certainly.
Product: Checking or savings account

PNC bank violated the KYC ( Know your customer ) and AML ( Anti Money Laundering ) laws, by not fully vetting and taking the appropriate actions to know or stop the person who created an account with them. The person who created the account with them was XXXX individual from XXXX who was in the states on a visitors visa. This person used BBVA and PNC bank as a vehicle to commit fraud on multiple American citizens and launder money. Since this person was in America on a visitors XXXX, he was unable to hold employment per the conditions of the XXXX, and this should have raised concerns when he regularly deposited money into his account from his job ( cash ) and accepted transfers for XXXX 's of XXXX of dollars into his account. If PNC bank had taken the appropriate measures and actions, and complied with KYC and AML, they would have not played a part in this fraudulent activity.
Product: Credit reporting or other personal consumer reports

Dear Experian : After reviewing your response to my dispute letter of charge-off account. 
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. 15 U.S code 1692e False or misleading representations XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, XXXX XXXX, XXXX XXXX XXXX XXXX, Division of Credit Practices, XXXX XXXX XXXX XXXX XXXX. 
XXXX. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 
XXXX. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 
These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 
Im carefully tracking all correspondence with your company. 
I think 30 days should be long enough for your company to complete this investigation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my private student loans, previously serviced by XXXX were charged off. I have been paying under a payment plan, in which I pay them {$250.00} a month at a reduced interest rate. I had my credit report pulled on XX/XX/XXXX and was advised by the loan officer that Navient has not reported any updates on my credit reports, XXXX, XXXX  and XXXX since XX/XX/XXXX. I have attempted to previously resolve this with the Company and it has not been corrected. I call again today on XX/XX/XXXX and kept getting routed to the Collection Agency they routed my loans to for handling, who could not assist me with the CBR issue. I was provided a phone number that did not work and continued to be re-routed to the collection agency each time I called. 

In addition, the collection agency advised that Navient only reports on a quarterly basis and they would not report monthly as the account is past due but being paid under a payment plan. The agent this offered me a settlement for one account at a time, which would require a 50 % down payment of the settlement amount, which is not feasible.
Product: Credit reporting or other personal consumer reports

Good day, I am asking to remove the security freeze in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated on XX/XX/XXXX to TransUnion to correct my date of birth. The date listed is XXXX. I just received a letter from them dated XX/XX/XXXX with the same information listed.
Product: Payday loan

keeps calling my job, and leaving messages stating that the law enforcement will be at my job or residence with a letter. Not sure who is doing this. I 've requested documents to be mailed to my house, but that has not been done. Not even sure who the company is, the message does n't leave the name, just a phone number to call back XXXX. I do n't owe any money to pay a payday loan.
Product: Checking or savings account

On XX/XX/2023 I was notified of someone trying take money from my business account using XXXX via Bank of America. 

There were XXXX transactions for {$7400.00} that were sent to a XXXX XXXX at ( XXXX ) XXXX who I was told banks with XXXX without my consent. 

I declined and replied no over and over again. In the process of trying to stop the transactions from happening I received a call and texts from the " fraud department '' that used both the same exact number as Bank of America and their supposedly secure number to send verification texts which is XXXX. I had received secure and legit texts from that same number in the past so I was tricked into believing it was secure. 

Even my XXXX XXXX  XXXX processed the call as legit and not a scam. 

I had several agents at the BOA Fraud department confirm that they're the only ones that can use that number ( XXXX ) to send texts which isn't true. 
Several of them have admitted that scammers have been able to bypass their security measures and I have one of them confirming it on a recording.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My loan is one of those XXXX loans that were upside down then they went under and my loan was sent to XXXX, where i was offered a numerous amount of loan mods but when I called none of them were valid. Then it was sold to Specialized Loan servicing which has also been a disaster. I have tried to contact them for assistance. My payments are late because I was told my payment was XXXX and thats what i was sending, then it started going up and I was never told that it was gon na happen. So now I am like XXXX behind and never been able to get help. I know I should have gotten a lawyer when all the XXXX situation happened but I wasn't very knowledgeable. Now I am reaching out to all the avenues to see if I can get some help I have reached out to XXXX, SLS, XXXX XXXX XXXX even tried getting help with a company called XXXX. We are always worried that we are gon na come home to find an eviction notice but every month we send XXXX but we don't know what to do anymore Im begging for asssitance and file a complaint on all these companies. I feel that its something wrong that has been done. I have practically been renting my home with no stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/22 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

XXXX XXXXXXXX
Product: Debt collection

I was notified on XX/XX/XXXX a Velocity Investment they were suing me over a debt I told them was not mine. I sent them a Letter thru there attorney back XX/XX/XXXX advising I was not familiar with this debt. They did not respond. Yet continued further collection. I do not owe this debt. I need assistance contacting the Original company XXXX XXXX XXXX and letting them know this is not my debt. The amount they are suing for is over 6k. Please help.
Product: Credit reporting

Today, XXXX XXXX, 2016, I went online to order my quarterly credit report from XXXX and chose Experion since I had n't gotten XXXX from them in over a year. After verifying my identity on both XXXX and Experion 's site, I got the following error message : We are unable to process your request. Please call us at XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there had been misleading credit inquiries added on my credit I'll like to have remove! None of these hard inquiries were authorized by me. 

Not Authorized by me XXXX hard inquiry Not Authorized by me XXXXXXXX XXXX hard inquiry Not Authorized by me XXXX XXXX hard inquiry Not Authorized by me XXXX hard inquiry Not Authorized by me XXXX XXXX hard inquiry