23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions
Product: Credit reporting

Trans Union report mine account of XXXX XXXX XXXX XXXX ****. 

This account it s not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX credit report and your company is in violation of the law! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES YOU NEED WRITTEN INSTRUCTIONS FROM THE CONSUMER to whom it relates. Did I give you written instructions to furnish this on my credit report? That is unauthorized use!

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) states EXCLUSIONS! A consumer report should EXCLUDE information solely as to transactions or experiences between the consumer and the person making the report. 

Your reporting on payment transactions and reporting as LATE IS IN MAJOR VIOLATION OF THE LAW. I demand you STOP REPORTING on my Consumer report and DELETE the late payments from this ACCOUNT in violation of 15 USC 1681.

There is no such thing as a late payments because the account was paid in full the moment my credit card was accepted.

12 CFR 1002 2 ( a ) ( a ) Account means an extension of credit. When employed in relation to an account, the word use refers only to open end.

15 USC 1666b, 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.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Ally has caused severe stress and anxiety due to the abusive and unfair practices. 

Failure on your behalf to DELETE LATE PAYMENTS reporting on my consumer report will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I have disputed this account multiple times it has been more tha 90 days and the account was not removed even tho I claimed identity theft with FTC and iam federally protected consumer all companies involved are now in violation of the fair cares act law 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT # 3 - 15 USC 1681B - PERMISSIBLE PURPOSE YOU CAN USE THIS LAW TO CHALLENGE CREDIT REPORTING AGENCIES TO SHOW WHERE YOU PROVIDED WRITTEN PERMISSION FOR A NEGATIVE ITEM TO BE ON YOUR CREDIT REPORT. IF THEY CAN'T PROVIDE IT, YOU CAN LEVERAGE THIS LAW TO HAVE IT DELETED Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

XXXX Balance details XXXX % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$10000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$10000.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Account closed due to transfer Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

They are reporting Mortgage as 60 days late for the month of XXXX they mailed me a letter out said it was Social Security breach back in XXXX that had affected the payment system. They mail this letter out. It was dated XX/XX/XXXX. I reached out to the mortgage company and XXXX and XXXX to get it removed off my credit report. Ive never been late on my mortgage. No one has done anything. Its been over XXXX months now and it still has not got resolved.
Product: Money transfer, virtual currency, or money service

I sent a money order and they put someone else 's account number on it and claimed i never sent a money order. When I provided them with proof that they cashed my money order, they stated that they already closed my account and I'd have to pay {$250.00} to reopen it. 
Unfortunately this happened in XXXX and I've been disputing it ever since but to no avail and it's hurting my credit.
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed and recorded properly on all three credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> approximately XXXX. I went to Chase Bank XXXX XXXX XXXX ( in the XXXX shopping center ). I exchange : - {$100.00} in XXXX- {$100.00} in XXXX- {$40.00} in XXXX- {$20.00} in quarters The Teller repeat the request and gave me XXXX rolls of quarter then proceed to count all the bills through the money counting machine. He then put all the money in an envelope and gave it to me. I trusted the teller and the machine so, I took the money without recounting it. When I took out the money to place in the eggs for XXXX XXXX XXXX I was short {$5.00} in XXXX dollar bill. I counted it over and over XXXX time before handing the money for my husband to recount. 
I called the branch office where I exchange the money, no one pick I call over 4 times and each time the message was they are busy with customers and to call the Chase XXXX Service. I spoke we XXXX of the customers service and was informed they are not at the location and for me to go to the location. I went back to the location and spoke with the Teller, I informed him I was short {$5.00} and for him count his drawer to see if it was over {$5.00}. He told me he willI never heard back from the bank. 
Its not about the {$5.00} that Im complaining. Its the principle of trust that I placed in the bank. Just how many more of these shortages that customers are not aware of.

Thank you in advance for your attention towards this issue.
Product: Debt collection

On XX/XX/XXXX I called AcimXXXX and spoke with a Rep about my bi-weekly payment not being processed. He said usually they will process before for after the date given if you have it on automatic payment which I did not know. He also stated that my payment bounced, it did not the money was in my account. We went back and forth about about that issue and I told him I wanted to to close my account on the date XXXX for {$230.00}. He became agitated because I told him to please stop saying my payment bounced. After my bi-weekly payment was taken with my debit card he hung up on me which was very rude because I was on my break and Idid not have time to call back and report it. I called on XX/XX/23 to see why they did not take the payment to close my account and I was on hold back and forth for a little over an hour for them to listen to the call which was inconveniencing. The supervisor mentioned that I did not say yes to close my account but that was what our conversation was about after we discussed my bi-weekly payment. They said I will owe over {$500.00} now and no one ever apologized for the representatives behavior. Customers should not be treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$3600.00} on the XXXX XXXX XXXX - partial account number XXXX ; and {$420.00} partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts were incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctors to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. ) I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, is reporting inaccurate information -- I do not owe this debt to this collection agency -- the contract was cancelled/ended " NO CONTRACT '' and yet Experian is reporting I owe this debt to this company, how can a Collection Account/Experian report a past due balance, and a balance owed ( violation ) I have disputed this account with Experian many times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I Lastly disputed this ACCOUNT XX/XX/XXXX, Experian has FAILED to update the status, there last date of is status is XX/XX/XXXX '' ) ( Violation ) and this issue isn't resolved yet, Experian  keeps responding it has been verified with no proof- of a signed contract bearing my signature that binds me to this debt, or other documentation of validation -- Experian is verifying this debt through previous disputes, and electronically through XXXX this is unacceptable and very unfair to me as a consumer, ( I requested in writing to have human interaction to verify this debt thoroughly ) this has been ongoing for 1 year going into 2 ... .. This is giving me a negative mark on my credit report and making it hard for me to obtain credit..DELETE THIS ENTIRE ACCOUNT IMMEDIATELY!!!
Product: Debt collection

I am filing this complaint against Diversified Adjustment Service , Inc. for inaccurately reporting a debt on my credit report. The debt in question originated from my mobile phone service with XXXX, which I had for many years. My account with XXXX was always in good standing and paid on time. 

In XXXX, I decided to transfer my phone number to my husband 's XXXX XXXX XXXX plan. I contacted XXXX to release my phone number and paid my last monthly statement in full. I received another invoice the following month, called XXXX, and was instructed to go to a store location and provide proof of my identification in order to have it resolved. I did this and was told by a store associate that I was " good to go '', assured that the billing would be resolved. Many months later, unbeknownst to me, XXXX had placed the illegitimate outstanding balance due into collections. 

It first showed up on my credit report under a collection agency called XXXX XXXX XXXX for {$210.00}. I sought resolution with XXXX and XXXX XXXX, but neither could or would void or validate the debt I was contesting. I did nothing more at the time, and in recent months, it was removed from my credit report. 

In the last month or so, and without ever having received any written notice or invoice/statements of intent to collect, Diversified Adjustment Service , Inc. is now reporting the debt on my credit report. 

On XXXX, I verified on the XXXX website that Diversified Adjustment Service , Inc. is not even licensed to do business in Texas, where I reside. This unlicensed activity further questions the legitimacy of their claim. 

The inaccurate reporting by Diversified Adjustment Service , Inc. has significantly damaged my credit score, causing severe financial hardships. The inaccurate reporting by XXXX XXXX XXXX is doubling the negative impact of the debt to me and has significantly damaged my credit score, causing me severe financial hardships, specifically : - Affected my chances of getting a job in the financial industry which aligns with my profession.

- Limited my ability to purchase a home and car.

- Made it difficult to rent property as my applications frequently get turned down. 
- Prevented me from getting credit card approvals and from securing financial lines of credit - I can not even get approved for a debt consolidation loan to pay the original creditor off! 
- Forced me to pay higher interest rates than I would have if my credit score were not so low. 
- Caused me to pay higher insurance premiums and be required to put down deposits for utility services and cell phone contracts- Dealing with these financial difficulties and the consequences of poor credit have led to significant stress and anxiety, affecting my overall well-being.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX Account # XXXX - delete immediately - update monthly payment amount - show documentation of how the late payment reported on XX/XX/XXXX was confirmed to be accurately reported and verified. 
- How much was paid XX/XX/XXXX? 


XXXX. XXXX XXXX XXXX account - delete account I do not want XXXX to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 

XXXX. XXXX account ( this account is reporting negatively, within the payment history it is coded as collection account instead of closed, provide documentation showing this was or is a collection account, provide proof that this account was late or owed a balance ) - delete account I do not want XXXX to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 

XXXX. Dept of Education - delete account I do not want XXXX to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 
- Provide proof showing there was no payment made on XX/XX/XXXX, the report shows previous month to be on time yet the following month shows 90 days past due. 
delete immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on [ date of dispute ], along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
Ramirez v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus last XX/XX/2022. I discovered that some of the information being reported by some accounts on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX  Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX These accounts are reporting erroneous information and I want the Credit Bureaus to correct these accounts.
Product: Checking or savings account

Citibank deducted {$800.00} in fees from my {$1300.00} deposit WITHOUT EVER informing me. 

On XXXX XXXX, XXXX, I opened a savings account in XXXX to hold my tenants security deposit of {$1300.00} in an interest-bearing account, as required by city ordinance. 

At the time of account opening, I was told by the banker {$500.00} is the minimum balance required to avoid any fee. Shortly afterward, however, the minimum was raised to {$1500.00} but I was never notified. Since then, Citi began charging a {$25.00} fee monthly fee to this account. 

The banker who opened my account had mistakenly entered my old address. At that time, I had XXXX other accounts with Citi. My address for them is correct and current. 

As a result, between XX/XX/XXXX and XX/XX/XXXX, I never received any statements. Citibank 's internal records show all mailed statements to me were undeliverable. 

The banker couldnt link this savings account to all my existing accounts, which are opened in XXXX XXXX. As a result, I can not access this account online to see the charges. 

In XX/XX/XXXX, when I returned from after being stranded outside the country due to Covid, I visited the XXXX branch where I opened the savings account. I was shocked to discover the original deposit of {$1300.00} has been reduced to {$520.00} after all the fees! 

Its unacceptable for Citi to wipe out the balance with fees WITHOUT notifying me. This has happened due to the bankers mistake in entering my old address. Im asking for a full refund of {$770.00} -- all the fees charged by Citi that I never knew about. 

I took this complaint to Citi 's executive research unit, where a XXXX XXXX she refused to give her last name or an employee ID number ) called me in late XXXX in response to an emailed complaint to XXXX. 

During this recorded phone call, she failed to state when Citi notified me of the higher minimum balance required -- as I repeatedly asked her to state when I was notified.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX