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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : CITICARDS CBNA XXXX Date opened XX/XX/XXXX Balance : {$580.00}
Product: Credit reporting or other personal consumer reports

I have reviewed my Credit profile and noticed inquiries or collection that i never gave written instruction to 3rd parties to report to my profile. 
According to the FRCA this is violation of 15 USC 1681b- PERMISSABLE PURPOSE. Please understand that no consent is IDENTTIY THEFT. I AM DEMANDING THESE ACCOUNTS BE REMOVED IN 2 BUSINESS DAYS. LIST OF ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( {$2500.00} LIMIT ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( {$1200.00} BALANCE ) Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing to request a dispute a late payment that is inaccurately reported on my credit credit report under on my Transunion. I recently obtained a copy of my credit report and identified an error in the reporting of a late payment, which is negatively impacting my credit score. 

Creditor Information : Creditor Name : XXXX XXXX Account Number : XXXX Was 30 days late XXXX time I kindly request that you conduct a thorough investigation into this matter and promptly correct the inaccurate late payment entry on my credit report. This discrepancy is adversely affecting my creditworthiness, and I believe it is crucial for it to be rectified. 

Thank you for your attention to this matter. I appreciate your prompt resolution of this dispute. Please keep me informed of the progress and any updates related to this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A person who pays off their credit cards in full every month and does not carry any balances is a much better credit risk than a person who does not have enough money to pay off their credit card balances. 
Here is the problem. Many people use their credit cards for everything they can, say for airline points or convenience. They get their credit card statement and pay the balance in full every month. Or they set up full balance automatic payments. You would think they would be a low credit risk and have a high score. Most of them do have a good credit score but it is lower than it should be.

This is because the credit card companies report the balance at the end of the billing cycle to the credit bureaus. If you had a {$1000.00} balance on your statement and paid it in full the day after your statement cycle closed and then had a {$0.00} balance, you are scored the same as if you were carrying a {$1000.00} balance from cycle to cycle and paying interest.

On the other hand, if you check and pay your balance online two or three days before the statement closing date ( not the payment due date ), your balance will be reported as {$0.00} and your credit utilization ratio will be very low and your credit score will be higher.

I have tested this on my own and found that my score was as much as 15 to 20 points higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've continuously been sending letters to XXXX LEXIS NEXIS on XXXX the XXXX, XX/XX/XXXX, XX/XX/XXXX Same for XXXX, XXXX and XXXX. 
.
Product: Student loan

Have a loan through Navient. Applied for forebearence that was applied XXXX XXXX through XXXX XXXX but Navient refuses to update their credit reporting to XXXX. I have disputed through XXXX, but they did not update and will not allow me to submit another dispute and Navient refuses to correct.
Product: Credit card or prepaid card

We were purchasing a television at Best Buy. I made it very clear that I would take the 24 month financing option if and only if it was an asset backed loan and not just credit card financing. We even talked specifically about how more credit cards would not help to diversify credit, but a different type of loan ( e.g. unsecured line of credit, mortgage, car lan etc ) would. 

Best Buy assured me that it was an asset backed loan, but that I had to open a credit card to get the financing. 

What actually happened is they simply opened a credit card with 0 % interest for 24 months with no additional steps. It was an outright lie to get me to buy their product.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Wisconsin XXXX ] [ XX/XX/year> ] Ally Financial Inc . 
[ XXXX XXXX  XXXX XXXX XXXX NY XXXX ] Re : Cease and Desist Communication Regarding Alleged Credit Card Account Request for Deletion To Whom It May Concern : This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and is being sent regarding an alleged Ally Financial credit card account that has been reported as closed and charged off. I assert that your furnishing of my credit information to consumer reporting agencies was done without my written consent, violating federal law. 

Basis of Complaint and Legal Violations : 1. Lack of Written Consent : Under 15 U.S.C. 1681b ( a ), you are required to obtain my explicit written consent to furnish my credit information. At no point did I provide such consent. Reporting this account without proper authorization constitutes a clear violation of the FCRA. 
2. Demand for Manual Review : I am requesting a manual review of my records to identify and confirm the lack of written consent associated with the furnishing of this account. In addition, reporting inaccurate or unverifiable information is strictly prohibited under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

3. Right to Cease and Desist : Pursuant to 15 U.S.C. 1681c ( a ), you must immediately cease all communication regarding this alleged debt, including communication with consumer reporting agencies. Reporting to credit bureaus constitutes a form of communication and must also cease.

Action Demanded : I demand the following corrective actions : 1. Immediate Deletion : Remove all references to this account
from my credit report with all consumer reporting agencies.

2. Letter of Deletion : Provide a formal letter of deletion notice, confirming that the account has been removed, and send it to my email address at [ XXXX ]. 
3. Notification to Consumer Reporting Agencies : Notify all credit reporting agencies to which this account has been furnished that the account was reported without authorization and must be permanently deleted.

Failure to comply with these requests will leave me no choice but to pursue legal remedies. This includes filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as initiating arbitration or litigation under 15 U.S.C. 1681n for willful noncompliance or 15 U.S.C. 1681o for negligent noncompliance.

This matter must be resolved within 30 days of receipt of this letter. If no action is taken, I will proceed accordingly. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

Equifax took action on XXXX accounts in question and deleted the accounts, only to put them back on my account 14 days later. This is either retaliatory actions against further disputes or manipulation of my credit reporting and ability to apply for credit products, which is prosecutable under FCRA and USCC
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, upon reviewing my ChexSystems consumer report on XXXX, I noticed a Charge-Off from XXXX  XXXX dated XX/XX/2019, RTN/ACCT # XXXX with an amount of {$450.00}. However, upon reviewing my XXXX XXXX account, it shows a different amount of {$450.00} for the same account. ChexSystems is in multiple violations with the said account. 15 U.S.Code 1681E ( A ) states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CHEXSYSTEMS ) shall not furnish any information relating to a consumer ( Myself ) if the person knows or has reasonable cause to believe that the information is inaccurate. Chexsystems did not perform due diligence to verify the accuracy of this Charge-Off. Their negligent reporting has caused me years of duress along with harm and discrimination to my reputation. Please find attached images with proof. Both together and separately, my consumer and privacy rights are being violated. The aforementioned charge-off is to be removed from my ChexSystems consumer credit report and file IMMEDIATELY. XXXX XXXX ( Without Prejudice )
Product: Credit reporting or other personal consumer reports

To the CFPB, I XXXX XXXX is filing a complaint for discrepancies within my credit report of improper documentations.. 
According to Per 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

The discrepancies starts with the credit agencies themselves : The Balances are different The Closed accounts are different The Inquiries ( 2yrs ) are different The discrepancies with Capital One are : The Original Balance are different The Last payment dates are different The date that it was opened are different The discrepancies with Capital One Auto are : The Original Balance is different The Last payment dates are different The dates that the credit was opened are different The status of the account on certain dates are different The discrepancy with XXXX XXXX XXXX are : The open dates are different
Product: Debt collection

On XX/XX/2018 i was offered a settlement offer in exchange for a pay for deletion. The debt was paid. Fair collection & outsourcing was removed from my XXXX   report. Yet it is still showing on my XXXX and XXXX as i owe them.
Product: Money transfer, virtual currency, or money service

XX/XX/year> Sent US {$500.00} to XXXX through Western Union ( to be received in XXXX dollar amount by the beneficiary. One local WU agency told beneficiary, they did not have currency in US dollars. She went to another WU agency. She was only given {$300.00} and they converted the remaining {$200.00} to XXXX XXXX. My complaint is, why does Western Union offer such service, ( send XXXX $ to be received in XXXX $ ) if they know that the receiving local agencies can not fulfill it. 

XX/XX/year> I sent US {$1200.00}. The beneficiary called me because she was getting the same reason again from the local WU agency, the reason when she picked up the {$500.00}.

I called WU Customer Service XXXX. The customer service representative instructed me to tell the beneficiary to tell the agent to call the XXXX tell the problem. The agency declined to do it. Instead, they instructed the beneficiary to call a number because she was the one with problem, not them ( WU ). I found out the telephone number given her, was not even a WU number. I called the XXXX again. This time, the customer representative suggested to cancel the transaction. I agreed.
Product: Debt collection

I got a call from a Dynamic Recovery Solutions. I do not have any delinquent debt ...
Product: Debt collection

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


XXXX  XXXX Bal. {$0.00} Acct # : XXXX
Product: Mortgage

I have a commercial mortgage with Santander bank for 3 units buildings in XXXX, New York. I refinanced my mortgage with Santander Bank in XXXX in the amount of $ XXXX. At that time, my loan officer was XXXX XXXX from Santander bank. I was never late earlier, and currently, I owed the bank around $ XXXX. Because of COVID1 9, I had a hard time paying my mortgage payment ; hence I applied three months forbearing plan for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Around XX/XX/XXXX, I have received a call from XXXX XXXX 's personal cellphone ; he said that he doesn't work with Santander bank anymore ; he warned me that I need to do refinance my mortgage immediately with his own investor ; otherwise, the bank will take over my building within few months. Simultaneously, I got a call from the individual appraisal, who informed me that XXXX XXXX from Santander bank sent him to do the appraisal of my building. When I called XXXX XXXX mentioned that we bought the note of our mortgage. He is the only person we can talk to regarding our mortgage with Santander bank ; He also mentioned that even though I pay my 3 months past due payment of {$8500.00}, it will not be enough ; hence, he will still be going to take over the building. XXXX XXXX gave me only one option : to pay him close to $ XXXX, which included a Yield maintenance fee of $ XXXX, an Appraisal fee of $ XXXX, and private insurance of {$4700.00} even though I provided him the evidence of my current insurance of this building. In the meantime, a formal employee, XXXX XXXX called me and scared me again. When I asked XXXX XXXX, who is XXXX XXXX? XXXX XXXX told me that he is an executive officer of Santander bank has all the powers on my loan. I have received notice from Santander bank and XXXX XXXX 's attorney that I have to immediately pay my whole mortgage amount of $ XXXX + $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit score is based on outdated and incorrect data and drops drastically instead of increasing as it should based on facts. The credit limits they show is wrong, the balances they show is incorrect and the usage is incorrect. When you attempt to dispute the facts they do not offer direct means. I have documentation showing they are wrong and have unfairly treated me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquired on XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Inquired XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX  Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that Ive been a victim of identity, theft, and found numerous credit increase I have no knowledge of. Here are the inquiries that I found : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Nothing has happened yet, but I have 42,000 dollars in private student loan debt. The problem is my social security XXXX check is not enough to pay back the loan. My house note is {$580.00} and my repayment of private loans would be about $ XXXXXXXXa month. My XXXX check is {$XXXX} a month. Other than XXXX, is there any way to solve this problem. I will go into repayment in XXXX 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/ my Venmo account was suspended without any reason provided. The first email I got stating my account was suspended stated " Weve noticed some unusual activity linked to your Venmo account which may be in violation of our user agreement. To help us protect your account, your account has been suspended until we hear back from you. You may have also received a separate email providing more information about the suspension of your account. To resolve this issue, please submit a picture of your photo identification via our Document Upload Form, linked below. For your privacy and security, please do not reply back to this email with your documents '' So I did send pictures of my drivers license. After waiting 24 hours I called the support line, where I was told to wait for the process. I also emailed again, which the response was " Your Venmo account has been restricted due to recent activity that appears to be a violation of our User Agreement. At this point, your case requires the attention of another team. I will forward your case and they will follow up with you here, via email in 7-10 business days. In order to make this a smooth process, please respond to this email chain with any additional questions or concerns that you may have '' I surely have not violated any of the terms of services. Not even in the second email did they provide a reason. I had several automatic payments on my venmo account which I will now owe fees to. I also have several hundred dollars in my account which I can not access. I also have my direct deposit going to my venmo account which I will have to change now it may cause some big issues. After some research, it seems to be common for people to get suspended for no reason with money in their account. I havent had any high priced transactions either, nothing over XXXX which was my direct deposit amount. I'm not sure if they are doing some sort of scheme but it seems far too common to happen. They shouldnt be allowed to randomly hold/take peoples money without at least a specific reason. To reitterate this seems to be a very common thing venmo is doing. I appreciate the help
Product: Credit reporting

I have been victimized by an identity thief. They established several loans in my name and opened several checking accounts with credit unions and banks in order to withdraw funds from loans obtained fraudulently. I sent chexsystems via fax a copy of the police report that i had amended including XXXX checking accounts that were reporting in my name in their system. I had received an updated copy of my Chexsystems report showing the accounts removed. But later got an updated report showing the XXXX fraudulent checking accounts with XXXX and with XXXX Bank. This has been an ongoing issue in trying to get my name cleared. I should have nothing negative reporting on my file and only XXXX inquiry that belongs to me from XXXX. I am attaching to my complaint the amended police report that shows those XXXX fraudulent checking accounts on the police report
Product: Credit reporting or other personal consumer reports

I need your assistance with an incorrect account appearing on my credit report. This issue is harming my reputation, and I require your support to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a 6 year, 2 car lease customer of XXXX.Despite logging in to pay my XX/XX/XXXX bill, the payment did not post ( 1st time in 6 years ) .Emailed President of XXXX . A " special IT investigation " was launched to see if there is any evidence of logging into pay XX/XX/XXXX payment as the VW Financial Agent " XXXX '' said that if they see I logged in on the day I said that would show intent and that would substantiate that I tried to pay my bill. They called me and said the report shows I did login like I said I did. However, the report coincidentally stopped short of providing what they deemed necessary to show " intent ''. They said the report shows I logged in on the same day I have for XXXX past 6 years. However, they didn't release anymore info and closed the case. I requested a copy of the " IT Investigation '' report. They then stopped returning my calls. I feel not only are they hiding information needed to clear report, but they are also retaliating for a prior lawsuit I had with them in which I prevailed. My credit has seriously suffered due to this incident. I want to subpoena the reports and clear this false late payment. 

Based on their logic they are saying the following : I did in fact login as I said I did on the same day I have for 6 years prior to pay my bill. However, this time I intentionally decided to not pay my bill after logging in, ruin my long standing perfect line of credit with them, and logout. 

This is ludicrous. I now can't purchase a home as I intended this year, a new car since my 2nd XXXX is up in a couple months, etc etc. This is not right and I want this false report removed from my account.
Product: Debt collection

XXXX XXXX XXXX was a collection removed from my credit report ( XXXX, XXXX, XXXX ) on XX/XX/2021. This debt was deemed inaccurate all credit bureaus and XXXX XXXX XXXX  we involved in the investigation when this collection was disputed from my credit reports and just recently it has now been replaced or reported back on my credit reports with no explanation or reason why it should be reported. This is inaccurate and has already been removed before and is against my fair consumer credit rights.