23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX / XXXX XXXX {$720.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX {$290.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the negative information reported by XXXX since XXXX XXXX 2017. In my dispute I requested that the following be provided to validate the inaccurate information reported by this credit reporting agency : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me and the negative entry has affected my credit history unfavorably.
Product: Debt collection

I had XXXX  back in XXXX, I just got this ghost debt notice from cbamacon.com trying to collect debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accts # XXXX, Has violated my rights 1. Acct # - XXXX Acct Name - XXXX XXXX XXXX 2. Acct # - XXXX Acct Name - XXXX XXXX 3. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 4. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 5. Acct # - XXXX Acct Name - XXXX XXXX XXXX 6. Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX  XXXX XXXX Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATIONXXXX XXXX XXXX Acct # - XXXX Acct Name - XXXX XXXX XXXX 9. Acct # - XXXX Acct Name - XXXX XXXX XXXX  15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted ARS consumer reporting agency to freeze my consumer report. I was told I needed to send my state issued ID and a utility bill to prove my identity. Im already a victim of identity theft. I explained I wanted to freeze my report. To no avail was I able to do it over the phone or online without sending other detailed info about myself. I asked to speak with a supervisor or manager and more than once I was told that without sending that info I wouldnt be able to speak with anyone. After giving my social security number date of birth and address and still couldnt get a security freeze placed on my consumer report.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX ********* - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

2. XXXX - account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation for the bankruptcies dismissed appearing as public records in my file. The credit bureau stated they verified with US Bankruptcy courts. The US bankruptcy court informed they do not share or verify with bureau. 
Per Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. Equifax Information Service , LLC, the source is unknown for their information on these bankruptcies and due to this, has violated the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting

Citibank said they would not run my credit when asking for a credit line increase and they did.
Product: Credit reporting or other personal consumer reports

I filed a complaint over a month ago for a fraud inquiry. They said they would remove it yes didnt so I disputed again online. The inquiry was fraud with the wrong name XX/XX/2023 XXXX XXXX XXXX See response giving to you. Now I cant even call Equifax says my information is incorrect and hangs up on me. This is really frustrating! My name is XXXX XXXX XXXX and I have provided them twice by email ID and Social Security card. This needs to be escalated to someone who is competent! I am seeking monetary compensation as well.
Product: Debt collection

I started with freedom debt relief in XXXX of 2018, at that time they had me add all debts including a XXXX   and XXXX account. I also was told by them to get the legal plan that would cover me for any reason if a account took me to court but was told that if I get anything to just upload it to my dashboard. I was served for my XXXX account and XXXX and uploaded the paperwork and assumed I was all set until a sheriff showed up with a judgment saying I must pay back with 10 % of every paycheck. When I started the XXXX bill was under {$600.00} and now with intrest and fres I owe XXXX. I had over 4,000  in my freedom account at this time and it was never worked out, XXXX was around 12,000 when started and now they want XXXX. Freedom tells me that I should of called the legal team and not them when I got the papers but i called freedom and uploaded like they said. I feel scammed, because now it looks like XXXX  dose n't even work with the. So why would they have me add that account in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agreed to paperless invoicing. When I received monthly e-invoice by email to click on link to make a payment, XXXX platform would take me to my XXXX Visa, not MasterCard. I did not realize this error and that my payments were going to my XXXX Visa ( resulting in double payments ) until MasterCard was late and behind in payments. I called XXXX and spoke to a Manager. She agreed technical glitch in their platform did not take me to the payment screen for the M/C credit card invoice I received but to a different card, my XXXX Visa. XXXX reversed all late payments. I have always been current on payments. Payments were low ; I would have never NOT paid this on time. Because of electronic platform issues, now my credit rating is low and flawed. Please reverse if possible. I have asked XXXX to escalate this issue to their IT specialist to  resolve the issue and removed myself from paperless invoices.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment in question was made on time, as evidenced by the attached bank statements and payment confirmation receipts.

There may have been a clerical error in reporting the payment due to inconsistencies between my payment records and the reported information.

I have confirmed with my creditor that the payment was processed within the allowed grace period.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX XXXX  # XXXX XXXX XXXX  # XXXX I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my tracking number : XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shail not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, I would like to know who did they talk to. 
How did they complete this investigation
Product: Mortgage

I'm behind XXXX & XXXX payment on my mortgage. I got approved to roll it into the next 6 months but I can't even make a payment now. Payments are XXXX a month. I need help please
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

on XXXX, i sent XXXX. XXXX, and Experian letters disputting the inaccurate and incomplete items they are reporting on my credit report. violating 15 usc 1681e ( b ). it 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. 

the items that are inaccurate are the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE COPIES BELOW FOR YOUR REFERENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no third party involved. 

I, consumer, and natural man, was recently denied acquisition of reliable transportation by several companies due to the false statements and inaccurate and unverified information you are furnishing. 
You are reporting late payments on accounts that have NEVER been late! 
Pursuant to 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. 

This is for the XXXX ACCOUNT THAT IS CLOSED ENDING IN XXXX. 

How can I owe on a closed account? The account is closed, and you are inaccurately reporting open balance. Please remove this at ONCE. 

you conducted a investigation? you have a witness with a statement notarized? Prove to me you are not using an automated system. If you cant prove it, it needs to be cleared. This is inconspicuous information
Product: Mortgage

We received a letter from First Citizens Bank XX/XX/2020. They bought our mortgage from XXXX XXXX a year or so ago. They want us to pay an exra XXXX in addition to our regular mortgage payment for deferred interest on a payment we had when we were with XXXX. 2 weeks ago i spoke with them because they sent me a bill for XXXX saying that i had overpaid my mortgage. I pay extra every month and am never late or behind on my loan. The point of this is during the COVID 19 crisis this is totally unethical and unscrupulous. What if we had no jobs? What if we were on a fixed income or had lost our income due to COVID. These people are sharks and should be ashamed of themselves.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX Bank of America sent me a letter telling me they have shut down my savings account and checking account due to " suspected fraud '' from me. Which meant, I could no longer use my debit card. This incident I explained to them was not fraud committed from me and tried to resolve this issue many times, called and went in person to inform myself. After XXXX not helping, I gave up and accepted I would not be able to do anything but wait the " up to XXXX years '' that the letter had stated. Recently I called Bank of America to inform myself on how much longer and they said until " XXXX  '' with is XXXX years more than was stated in their letter. This is a terrible experience considering I have great credit and not done any fraudulent activities with my credit card with Bank of America and which is the only thing I have left. It is genuinely saddening, all I want to do is to have my life in control again and it has felt like it wont happen because they refuse to help. This is not only affecting me, but my families living situation. 

15 U.S.C 1681 section 602 A : This law states I have the right to privacy, Bank of America violated this 15 U.S.C 1681 section 602 A Section 2 : This law states that a consumer reporting agency can not furnish an account without my written instructions, Bank of America has also violated this right of mine
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I found an error on my report that is causing me problems obtaining credit, I need to review that information with that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XX/XX/XXXXnever investigated the Identity Theft as to the accuracy of the account, in less then XXXX hours i was notified that the account was accurate, so that didn't seem reasonable investigation, and the furnisher of the account wasn't forwarded any information i sent the XX/XX/XXXXto accurately determine or with any reasonable effort, determine if the debt belonged to me
Product: Checking or savings account

I was on a XXXX XXXX from XX/XX/19-1XX/XX/19without internet access or phone service. I used my PNC debit card for expenses while onboard the ship. Mid-way through the cruise, on XX/XX/19 I received a notice from XXXX that my account had been frozen, because they were unable to obtain authorization from XXXX  for any amount over the $XXXX  currently charged on my debit card. I work for several different companies which utilize direct deposits to my checking for pay. I was unable to go online to check my PNC account, so on the last day of the cruise (XX/XX/19) I went to the front desk to satisfy my account. I was told that I owed a balance of $XXXX, and that $XXXX  had already been charged to my PNC account. I asked the cruise rep if I could use the ship's phone to call PNC to see if additional funds had been deposited to my account by my employers so that I could determine whether I should leave the PNC debit card on file or if I should use a credit card for the balance. I called PNC's XXXX customer service number to determine current available funds in my account. I was told that there was $XXXX  available on my account, so I assumed that I had adequate funds in my account to cover the $XXXX balance on my account. I advised XXXX  to run the balance on my PNC card, because I had $XXXX  available. When I returned home on XX/XX/19, I received an email from PNC stating that my account was overdrawn by -$XXXX. I called PNC and told the customer service rep what occurred. The customer service began arguing with me and telling me that both the $XXXX and $XXXX charges by XXXX had been run on XX/XX/19. I told him that could not possibly be true, because I stood and watched the front desk attendant run my card for $XXXX  on XX/XX/19. The customer service rep then stated that I also had several small transactions that had hit the same day as the XXXX charges. I explained to the PNC customer service rep that my available balance on XX/XX/19 was $XXXX, which was ample for both the $XXXX XXXX  charge and the several small transactions made on XX/XX/19 and XX/XX/19. The customer service rep was unable to provide a valid explanation for why my I was told that the available balance in my account was $XXXX  on XX/XX/19. He went on to state that PNC was charging me for six (6) overdrafts at $XXXX  each. This is a totally unfair business practice on the part of PNC.