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

Dear Credit Bureau / UNITED AUTO CREDIT CO Account # XXXX Im still shocked that you continue to report this above auto loan account into my credit, and you failed to truthfully verify & investigate this account thoroughly. I just include a screenshot below that shows several inconsistencies, misleading, incomplete information on it. Its my understanding that the consumer laws clearly state that information on individual credit reports needs to be reported 100 % accurate and it needs to be 100 % verifiable. As you can see the information below, its not 100 % of either and its reporting misleading and incomplete information. Therefore, its impossible that you verified. Actually, XXXX deleted it immediately from my credit because of these several violations that I pointed out below and I demand that you DELETE it from my credit as well. Its causing this account to illegally re-aged, which is a violation under the provisions of FCRA, and therefore, it can not be reported on my credit report. For example, The HIGH CREDIT BALANCE is different between the 2 credit reporting agencies ; one reports {$9300.00}, and the other {$4300.00}. Its my understanding that the HIGH BALANCE on the charge-off account needs to be higher than the actual balance but not in this case and it needs to be reported. Again, this account is in violation of my consumer rights and it needs to be removed from my credit report. It unverifiable and its reporting incorrect, inaccurate, misleading, and incomplete information. Its completely inconsistent!
Product: Debt collection

I have encountered issues with LVNV Funding LLC for the second time. They have placed information on my credit report without providing any validation of the debt. Despite corresponding with them via email, I have not received any information from the company. Debt collectors are required to provide validation information within five days of their initial communication, either through mail or electronically. However, I have yet to receive any notices from LVNV Funding LLC. It seems that this company is not compliant with the laws and faces no penalties for their actions. According to the credit report, I opened the account in XX/XX/year>, which is false. The date provided does not indicate when the company acquired the debt ; instead, it indicates that the debt was opened in XX/XX/year>, creating a misleading impression. This is deception!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX EquiFax I called and went online to all three credit reporting agencies to order my report and talk about other individuals possibly asking for credit reports in my name. 

I was not able to talk to anybody because my identity didnt match or pass the test. 

I again tried obtaining report on the website and again was not able to get to my report. 

I would very much like to know who has changed my information so that I am refused access to my reports. 

I am now receiving text messages that there is negative reporting on my credit file. 

I am aware of individuals that are using my name around town to throw me into an abyss of financial and personal problems.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX requested for my information to be corrected and my information was not corrected and they added a new incorrect address to my account. 

TransUnion - I requested for my information to be corrected but my information was not corrected and they did not remove the address.
Product: Credit reporting or other personal consumer reports

I sent the bureaus a letter back on XX/XX/2023 requesting information but they never sent me what I requested. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 


XXXX. XXXX XXXX XXXX. & XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX & XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Number # XXXXJoint Installment Loan from XXXX XXXX XXXX XXXX XXXX XXXX. Source of dispute information : The attached report from XXXX has the account balance, dates and payment history listed inaccurately. 

XXXXType of disputed information : the debt listed is not accurate, it does not reflect a complete accurate record of payment history or amounts XXXXDates associated with item being disputed : loan became 30 days late as of XX/XX/XXXX but is reported incorrectly, on several credit bureaus. 

XXXXExplanation of item being disputed : My reports inaccurately lists past payment activity, incomplete payment history and I am unable to reach any agreement with this creditor. 

XXXXThe creditor refuses to provide any more details or information about the closed installment loan # XXXX from XXXX XXXX XXXX XXXX XXXX I have sent a debt verification letter certified mail, they answered with a few documents, but not what was asked of them, So next, I sent them a Dispute Letter, they only resent the same information they provided prior. 

XXXXThey have not provided proof and explanations of ALL fees, reversals, chargebacks associated with this account and only sent me a document without no further explanation of said fees, and reversals. They do not SHOW up on my bank statements at all XXXX XXXX. So XXXX said all reversals or ( chargebacks inquire fees it should be there ) It's not, which is fraudulence and bad business tactics to get more money from us. I tried everything I called to no avail they keep damaging my credit reports this account is over 7 years debt XX/XX/XXXX. 

I want it DELETED from all credit reports this is affecting me and my husband livelihood. 

I am in the process of purchasing a home as I nor my husband XXXX XXXX can get approved because of XXXX. Their tactics are unethical and flat out deceptive. 

Please HELP US my score was in the low 500 's, Now in the mid 600 '' s. I have worked so hard to be able to correct my past mistakes especially since this was during the year of XXXX, we both lost our fathers due to XXXX, our car and businesses due to the pandemic! 
Please publish this so no one else goes through what we have experienced with XXXX  they are the WORST company to do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX listed my credit score above 700 and it remained above 700 until XX/XX/XXXX. I received a critical alert from XXXX and noticed my score dropped XXXX points. I called XXXX requesting assistance to confirm why my score had dropped significantly when my financial situation had not changed, balances had decrease and payments on all accounts were timely. 

The XXXXXXXX Customer Representative stated a payment on a charged off account would cause a major negative impact to my score. 

I have one charge off account with a balance that was transferred to collection company in XX/XX/XXXX but the company was not listed on my report and no payments were made on the charged off account. I never consented to have my SSN, date of birth, address, name or account information shared to any company nor was I notified my account had been transfered. Furthermore, the balance reported by bank of america did not decrease? 

The agent submitted a dispute to the bank of america account ending ( XXXX ) for inaccurate information and told me to wait 30 - 60 days for the results. I requested that the results of the dispute be shared with XXXX and XXXX. 

I contacted bank of america by phone and visited the branch to get proof of payment and to inquire about the company contacting me stating my account had be transferred. 
After investigating my concerns a bank associate confirmed a teller made an error by applying a payment to my charged off account in XX/XX/XXXX. I was also informed my account was not transfered. I was concerned my data had been leaked the entity contacting me about a boa account had all my account and personal information. A security freeze was added to my consumer file. 
XX/XX/XXXX I receive a letter from the same company claiming to be the new servicer of my account, stating a payment was returned non-negotiable and unpaid. A teller makes a mistake, I have call, write and make visits to the bank, file disputes to all three credit bureaus and risk losing my job and clearance after a huge decrease in my credit score.

Six weeks later bank of america reported the disputed XXXX payment was accurate. 

I submitted another dispute with XXXX in XX/XX/XXXX. Bank of america reported the disputed XXXX payment as accurate on XX/XX/XXXX. 

A different company has contacted me with my SSN, date of birth, name, address and all account information stating my account has been transfered from the last collection agency. 

I have submitted over 20 disputes against bank of america for inaccurate reporting, the disputes are not researched boa immediately reports disputed information as accurate to all consumer report servicers. I provide proof but the inaccurate information is never removed or updated. 

NO PAYMENT WAS MADE ON THE CHARGED OFF ACCOUNT ENDING IN XXXX ( bank of america ). All attempts to correct bank of america 's mistakes have been unsuccessful. I have wasted time, money and other resources to get this matter resolved. I am contacting CFPB as a last resort before retaining an attorney.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX IS REPORTING I OWE {$2800.00} WHICH I DO NOT OWE I HAVE ASK FOR EVERY PURCHASE MADE ON THIS ACCOUNT THEY SAID THEY COULD NOT PROVIDE ME WITH THAT INFORMATION OR THEY SAID THEY COULD NOT PROVE THAT I OWE THIS MONEY OR THAT I MADE THESE PURCHASES ON THIS ACCOUNT OR CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I got my wallet stolen and my social security number was in there. My identity was stolen and did not make these inquiries .I need these inquires removed off my credit as soon as possible. 

The accounts names and dates of the unauthorized inquires are listed below. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

they got my name from somewhere and sent me an check in the mail I never ask for I do n't think it should be legal Republic Finance and they lied about me begging them for a loan in  XXXX  TN .last year they do many checks in mail to many people I told the the motor blew up and i had to replace it .I only get   XXXX   income they waited the day before to get it
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : NEW XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Each account has a different date on which it was opened on each Credit Bureau. 
Its also determined during my investigation thats its a violation under the Fair Credit Reporting Act. U can't re-age debt an account. These company ( s ) have provide incorrect errors/information on my credit report.
Product: Checking or savings account

On XX/XX/year>, Discover Bank froze my account when I tried to transfer {$3000.00} to pay on my mortgage. I got notices that the transfer could not take place and dismissed it as the system was down. I then got emails and texts from Discover that the account was frozen and to contact them so I did by their standard phone number. I was told that our account had been flagged for fraud investigation. They would not tell me what activity led to our account being flagged. Our banking is payroll deposits, bill pays to the same 5 companies, and transfers between the same bank accounts. Available balance in the account at the time of the transfer request was $ XXXX. 

To unfreeze the account I was required to verify account information and activity on our account with XXXX XXXX XXXX XXXX while on a joint call between Discover Bank and XXXX. If Discover Bank has flagged my account to verify a transaction, this has nothing to do with any other account that I have at any other business. That I am required to verify what deposits into an XXXX account, how much the last transfer from XXXX to Discover was on XX/XX/year>, and where my husband might have last withdrawn money from an XXXX ATM while on the phone with Discover Bank is completely outside the scope of information that Discover Bank needs to resolve issues with my account. The transfer I requested on XX/XX/year> was neither to nor from XXXX and Discover could not or would not tell my why our personal banking information with XXXX was required to unlock the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports. 
XXXX XXXX GROU Reported : XXXX XXXX, 2021 {$120.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  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, credit repair services, 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 XXXX XXXX XXXX  credit card and Grow XXXX XXXX # XXXX Auto Loan. 15 U.S.C 1681 section 602A 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. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing and 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 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Dear FREEDOM MORTGAGE MGR ; I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX and XX/XX/2023 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX 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 am writing this complaint due to Experian not responding properly with my request to have credit inquiries removed and certain accounts on my report that I do not have a contract with nor can they provide proper documentation that they accounts belong to me. I did not authorize these inquiries and they are still showing up  on my report as well as the accounts and I have tried to dispute this over 3 times. I get the same response a few days later. Which further tells me that they have not verified these inquiries or account and keep sending me a generic response. I have recently submitted another dispute and if this complaint does not work I will be submitting a complaint to the BBB as  well as contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someones credit or adding accounts to their report is for a firm offer of credit, insurance, employment or court order, or if the account has been proven with contract to be mine.
Product: Money transfer, virtual currency, or money service

I have open a checking account at US Bank branch of XXXX and also a credit card with online banking but unfortunately I have been a victim of scams after that US Bank closed my checking account and I am unable to access at my online account even for my credit card so I am trying to fix this issue with US Bank. They didn't accept my request. Now I need to have acces to my credit card transactions but I can't, I must make a call each time and I loose a lot of time to follow transactions and payments. I would like to reopen my online banking with my credit card.How may I do and proceed.thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I notice on my credit report that there was a collection for XXXX XXXX in the amount of {$460.00}. I didnt even know who this company was until my son look it up for me. I never order anything from them in my life. I have filed a police report with the local police department and have sent a Notarized affidavit to the credit bureaus and to XXXX XXXX and it still showing on my credit report. WHY???? 
I am hoping that you can help me with this and this is will be remove from my reports IMMEDIATLEY I have attached the copy of the police report and the affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau mistakenly changed the " Reporting Date '' for the closed XXXX foreclosure # XXXX on my credit. There is no reason for this to have happened. Two months ago, this account had a " XXXX '' balance with a Last Reported date of XX/XX/XXXX. It has been this way for years. Somehow, the credit bureau has now changed the " last reporting date '' to XX/XX/XXXX. This is clearly a problem because there has been no new activity for this account and this is causing my scores to be affected negatively! How can there be a new reporting date for an account that has been closed for over three years? This does not make any sense. I am including screenshots from saved credit reports I have for XX/XX/XXXX and XX/XX/XXXX. You can clearly see the credit bureau is now reporting " XX/XX/XXXX '' as the Date Last Reported. I need this to be changed back to " XX/XX/XXXX '' immediately. I am trying to get a mortgage and I have been turned down because of the credit bureau 's inaccurate change to this account.