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

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX BANK AND XXXX XXXX XXXX XXXX XXXX  - This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX  - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately.
Product: Checking or savings account

XX/XX/2023 my phone was stolen from a restaurant. I tracked my phone found it was in XXXX. The next day I put my phone on a freeze with XXXX so it couldn't be used. I was without a phone for a few weeks. I then purchased a new phone kept same phone number. Everything from old phone transferred to new phone. I was unable to receive phone calls. I thought is was a phone issue contact and made claims with version. Turnout phone was hacked and they call forwarded all my calls to the " hacker ''. I was unaware of how many calls went through. On XX/XX/2023 my savings account was emptied, leaving me a ZERO balance. I contacted the bank and they stated it was a withdrawal to XXXX which it was not authorized by me. They stated they followed procedure to authorize the transaction. It was not ME as my calls were forwarded to the " hacker ''. I filed a fraud complaint with Bank of America and went down to the bank in person to provide my ID, bank info etc. I gave them everything they asked for. I also filed a fraud complaint with XXXX. The bank sent me a letter stating my claim was denied. 
I am a college student working 2 jobs. I need to have this money returned to me ASAP. 
Please assist me. I will provide anything you need. The name that was associated to the withdrawal was XXXX XXXX. no phone or email attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX ... the living human being, I am submitting this on my own behalf..no credit repair company..no attorney ... .this is my knowledge of the Fair Credit Reporting Act. I recently submitted to all 3 bureaus that my credit reports contain fraudulent accounts, I submitted all correspondence proving that these accounts are fraudulent yet the bureaus continue to send me reports claiming that these accounts belong to me without any PROOF! I know it's frivolous, hoping that I go away and accept this fraud. The consumer financial protection bureau know first hand that these companies work for the CORPORATE wolves! I demand that these bureaus, XXXX, EQUIFAX AND XXXX are forced to do their jobs! In accordance with the Fair Credit Reporting Act XXXX  accounts 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 HAS VIOLATED MY RIGHTS.

15 U.S.C. 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECION 2. STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

Every account listed above has been put on my credit reports fraudulently and I demand they every one of them is deleted immediatley! the Law is clear and all 3 of these Credit reporting agencies are clearly in violation of the law and I am prepared to do everything I need to do by LAW to hold them accountable! Every violation holds a monetary value that I will pursue in the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally initiated disputes on XX/XX/18 via fax regarding bankruptcies ( chapXXXX-XX/XX/XXXX, chapXXXX-XX/XX/XXXX, chapXXXX-XX/XX/XXXX) listed on my credit report and the accuracy of the information with Transunion. The dates listed by all 3 bureaus and staus do not match each other and are incorrect. I did not receive a response until XX/XX/2018 dated XX/XX/2018 well beyond the 30 days allowed by the FCRA. I than faxed a validation of method used asking who reported the information and who they contacted to verify the accuracy of the information. I am not sure how they verified the information given the letter from the Bankruptcy Court stating they do not report nor verify information to or for the Credit Bureaus. I also have full security freezes at XXXX, XXXX, XXXX, and XXXX XXXX, all of which have been blocked from providing 3rd party reporting or inquiry of information. All letters of Security Freeze attached. This is a willful attempt at non compliance in violation of the FCRA. They now send me a letter dated XX/XX/18 stating a general method but not who reported the information and how. As I stated the Bankruptcy  Court say No reporting-no verifying and the 3rd party services have complete security freezes that tells me Transunion did not verify the information. I also spoke to a representaive XX/XX/XXXX asking why I had not received a response from my XX/XX/2018 and was told it was completed but they failed to send out the response which I believe was untruthful.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Clarification of Negative Reporting Deadline Dear XXXX XXXX XXXX, This is a formal demand for information regarding my account. I require confirmation of the exact date by which you are legally permitted to report this account negatively on my credit file. As you are aware, continued reporting beyond the lawful period may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Failure to provide this information promptly will leave me no choice but to explore all available legal remedies to protect my rights. I expect a written response with the requested details within 10 business days of receiving this letter. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX reached out to me stating that my credit card would be closed on XX/XX/XXXX due to lack of activity. I did not have a physical card to use and was out of town for most of XXXX. Upon my return, I requested a card so I could use the card prior to XXXX and fulfill their request. In fear of not being able to utilize the card in time, I called XXXX XXXX the first week of XXXX to see if I could get an extension. The person I spoke to " opted me in '' and stated the card would not be closed but asked that I use it anyway when receiving it to make sure the account did not get closed. I received the card PRIOR to the deadline, used it on XXXX and the account remains open. 

Today, XX/XX/XXXX, I received a notification stating my account has been report to the credit bureau as closed. I called XXXX XXXX and XXXX representative said the account was not closed and that " XXXX XXXX does not report to credit bureaus ''. Knowing this is inaccurate, I asked for a supervisor. The supervisor stated the account is currently open but since I " used the card too close to the deadline '' XXXX had reported my account as closed. 

I don't understand how they can take action and close my account before the deadline they provided. If you tell a customer to use the card BEFORE XXXX and they do, why is the bank reporting to the credit bureaus before the time elapses? 

I do not want this card reported as closed. I had escalated it to the executive team over the phone but would like someone to address in writing that this account is not closed.
Product: Vehicle loan or lease

On XXXX XXXX @ XXXX the company Coast to Coast Motors had my vehicle repossessed. On XX/XX/2024 I went to retrieve my belongings out of the vehicle and I saw some items were missing. I informed the company and they said that they do not handle that and that I needed to get in touch with the financial department. So I called the financial department and they said that they do not have control over that because they use a third party towing company and I needed to call the police. I asked for the information for the towing company and they said they can not give me the information because they do not know the company. I asked for information about who has access to get in and out of the vehicle and they said can not give me that information. I asked for a manager they said the managers were gone for the day. I asked who can handle this they said the police are the only people that can help you.
Product: Debt collection

Dear Portfolio Recovery Associates, I am writing to address the response I received from Portfolio Recovery dated XX/XX/2024, regarding the alleged debt associated with my name. Despite my previous requests for validation of this debt, I have yet to receive adequate proof of its existence. 

In my previous correspondence, I explicitly requested validation of this alleged debt, as I was unaware of its existence. I further requested to see proof, with my own signature, of receipt via certified mail, demonstrating that I was made aware of this alleged debt. Regrettably, none of these requests have been fulfilled by Portfolio Recovery. 

This letter serves as my final complaint to Portfolio Recovery regarding this matter. I maintain that I have not received proper notice of this alleged debt, while Portfolio Recovery claims otherwise. Therefore, I challenge Portfolio Recovery to provide the certified mail receipt with my signature on it, confirming that I received notification of this alleged debt. I am confident that Portfolio Recovery can not provide such evidence, as none exists. 

In light of Portfolio Recovery 's failure to validate this alleged debt and provide evidence of proper notification, I demand that this alleged debt be immediately removed from my records. Furthermore, I request that all collection activities related to this alleged debt cease, and that Portfolio Recovery cease reporting it to all three Credit Reporting Agencies.

If Portfolio Recovery does not comply with my demands, I am fully prepared to take legal action against Portfolio Recovery for the violations outlined above. I trust that Portfolio Recovery will take this matter seriously and act accordingly to resolve this dispute in a fair and lawful manner. 

I expect a prompt response to this letter, confirming Portfolio Recovery 's acknowledgment of my demands and their commitment to resolving this dispute. 

Sincerely, XXXX XXXX
Product: Mortgage

I requested my creditor Loan Depot to assess my loan for the removal of my PMI insurance. I was instructed that I had to make payments for 11 whole years before they would remove PMI. I know that if my Loan to Value is below or close to 80 percent then they should consider the removal of my PMI. I refinanced my home almost 2 years ago and during that time my appraised value came in at {$200000.00} and my current outstanding balance on my home is {$170000.00}. Are they correct in saying I have to wait 11 years? Is this a new regulation I 'm not aware of?
Product: Debt collection

I have no knowledge of this account. When I called to agency collecting it, they provided a address that I have never lived at and said it is from a date of service from 2012. They had absolutely no information and I want it removed. Not my debt.
Product: Debt collection

XX/XX/XXXX USAA CFPB RESPONSE XXXX XXXX reported by me XX/XX/XXXX CONFIRMS INACCURATE INFORMATION ** ALLEGING I REPORTED XXXX XXXX A RETURNED ITEM {$120.00} XX/XX/XXXX AS FRAUD CONFIRMING ( XXXX XXXX BEING ** INCLUDED IN THE BALANCE OF {$470.00} XXXX XXXX see attatched XX/XX/XXXX XXXX XXXX CLEARLY THE {$120.00} IS NOT INCLUDED IN FRAUD OF {$470.00} I REPORTED FRAUD ON THE BALANCE LEFT AFTER CREDITED BY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$120.00} IS NOT INCLUDED IN THE {$470.00} BALANCE LEFT AFTER {$120.00} WAS ( SUBTRACTED ) USAA STATEMENT XX/XX/XXXX AGAIN USAA IT DOES NOT INCLUDED THE XXXX XXXX. see attatched CFPB XXXX XXXX CONFIRMS USAA HELD ME LIABLE FOR THE {$470.00} UNAUTHORIZED TRANSACTIONS CLAIMING TO CRAs REPORTING ME AS A CRIMINAL ATTEMPTING TO COLLECT ON RETURNED ITEMS DESTROYING MY CREDIT AND SLANDERING MY NAME. see attatched XX/XX/XXXX. XX/XX/XXXX CFPB XXXX see attatched RESPONSE CONFIRMS I WAS HELD LIABLE FOR THE {$470.00} see attached FRAUD CLAIM LETTER {$470.00} TRANSACTIONS OF XX/XX/XXXX AFTER USAA INVESTIGATION XX/XX/XXXX ARE CONFIRMED BY USAA AS BEING UNAUTHORIZED. see again XX/XX/XXXX STATEMENT XXXX NO USAA CREDITS APPLIED AND NO XXXX XXXX {$120.00} IS INCLUDED IN THE BALANCE OF {$470.00} I REPORTED FRAUD. USAA FRAUDS CONSUMERS. COLLECTS ON ID THEFT IS NOT ZERO LIABILITY AS THEY ADVERTISE. USAA BREAKS THE LAWS. LIES TO SAVE PROFITS AND SLANDERS MY GOOD NAME AND CREDIT CONFIRMING FALSE INFORMATION.
Product: Debt collection

Accounts with Potential Errors or Discrepancies 1. XXXX XXXX Issue : This account shows 60 and 30-day late payments, but it is marked as Paid, Closed. If the account is closed and paid in full, Experian should clarify why late payments are still reported.

Dispute Reason : Late payment history on a closed and paid account could be inaccurate.

2. XXXX XXXXXXXX ( Account # XXXX ) Issue : The account is marked as Charged Off with {$720.00} written off and listed as past due. Additionally, this account was in dispute previously, but it was marked as unchanged.

Dispute Reason : Confirm the legitimacy of the charge-off and verify if Experian properly investigated the past dispute.

3. XXXX ( FHA Mortgage ) Issue : Account shows {$6100.00} past due, along with 120, 90, and 60-day late payments over several months.

Dispute Reason : Ensure that the late payments are reported accurately, especially if youve made any partial payments or reached out to resolve the delinquency.

4. Jefferson XXXX XXXX ( Debt Buyer ) Issue : Collection account with {$850.00} past due as of XX/XX/year>. The original creditor is XXXX Credit Card. 
Dispute Reason : Verify whether this debt is legitimate and ensure no inaccuracies, such as duplicate reporting. 
5. XXXX XXXX XXXX ( Account # XXXX ) Issue : Collection account with {$560.00} past due as of XX/XX/year>. This account also lists Collection statuses consistently without detailed payment history.

Dispute Reason : Validate the debt and ensure accurate reporting of payment history or collections. 
6. XXXX XXXX XXXX XXXX : The account is marked as Charged Off with {$32000.00} written off, and there are multiple late payment entries ( 180, 150, 120 days past due ).

Dispute Reason : Confirm that the charge-off and late payment history are accurate. 
7. XXXX XXXXXXXX XXXX XXXX Issue : Account charged off with {$960.00} written off, and late payments are listed ( 150, 120, and 90 days past due ).

Dispute Reason : Validate the late payment history and confirm that the charge-off is reported correctly.

8. XXXXXXXX XXXX Issue : Account is marked as Charged Off with {$490.00} past due. Additionally, there is a discrepancy in how payments or collections were reported. 
Dispute Reason : Investigate whether the charge-off was reported accurately and whether payments were applied correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I called Sears for repair on the windows that I had purchased with a lifetime warranty. A technician came out to assess the repair needed o the windows, at that time I paid {$100.00} for their first house call and then later in XX/XX/2018 they e-mailed me to pay an additional {$150.00} to order the repair parts for the windows. In XX/XX/2018, a technician came out again, he didn't have the part to fix the windows and that he would be back, now the end of XX/XX/2018 and he has not returned. I have called several times to include today XX/XX/2018. I was not hold and then transferred to another customer service clerk, which never answered. I can not open my window since XX/XX/2018. Can someone please contact me to get this issue resolved? I m an XXXX yr old woman and {$250.00} with no repair or results.
Product: Credit reporting or other personal consumer reports

This account was charged off XXXX XXXXAccount number : XXXX However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EQUIFAX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1981. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the fraudulent account as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you as a concerned individual regarding several inquiries that have appeared on my credit report without my authorization. I kindly request that you take immediate action to remove the following unauthorized inquiries from my credit report within four business days : XXXX XXXX XXXX XXXX XXXX : Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX specific date XXXX XXXX XXXX XXXX XXXX Inquiry date - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Additionally, I request that you thoroughly review my credit report and remove any inquiries that are not attached to active accounts. It is essential to maintain the accuracy and integrity of my credit history by removing irrelevant inquiries that may affect my creditworthiness unfairly.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report, including inquiries that are not associated with active accounts. I have enclosed copies of my credit report highlighting the aforementioned unauthorized inquiries for your reference and convenience. I trust that you will thoroughly investigate this matter and take the necessary steps to rectify the situation promptly.

Furthermore, please provide me with a written confirmation of the removal of both the unauthorized inquiries and the inquiries not attached to active accounts from my credit report. This confirmation should be sent to the address mentioned above or emailed to the provided email address within ten business days of receiving this letter.

Thank you for your immediate attention to this matter. I have faith in your commitment to upholding fair credit reporting practices and trust that you will address this issue in a timely and efficient manner. Your cooperation and prompt response will be greatly appreciated.

Should you require any additional information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I am a victim of fraud. My ex-husband and his mistress used my name and social security number to open accounts in my name. I was separated from my husband since XXXX forced out my home. I had to get legal help to gain entry back in my home. A judge ordered my ex-husband to surrender my home on XX/XX/XXXX. As I returned back to my home, I noticed mail in my name regarding credit card accounts my ex-husband opened without my knowledge. The credit company who purchased my account never checked to see if the accounts were opened with my acknowledgement. Lawsuits were filed against me by Midland credit management, how I gained knowledge of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Portfolio Recovery Associates, LLC several times starting 2 weeks ago requesting a letter for proof that I paid my debt off in full, I have a XXXX balance, and the date it was paid off. When I paid it they told me they would mail a letter with all of the infor.ation on it and I have never received mail from them other than when they wanted my money. At first I was told they can not email it. I then asked to speak with someone different and they said within 24 hours ill habe a consent email and after I " sign '' that consent they will email me what I need. 2 days later I called back because I have not received a consent email. They had n't even sent it, I then asked for a manager who sent me the consent and then i once again had to call back and get angry to receive the email i need however all that letter said is amount settled. I have called everyday this week XX/XX/XXXX to XX/XX/XXXX and still have not received what I need. Gone through 3 different managers and every time it is some kind of excuse as to why and none of them are the same. I need a letter stating i have laid my debt in full, I have a XXXX balance, and the date I paid it on.
Product: Debt collection

I have no idea what this debt is for. as XXXX my debts are paid in full please remove from my acc
Product: Debt collection

Receiving debts for bills when on XXXX Not billing my insurance