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

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

It appears that an account has been obtained as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW XXXX. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Product: Credit reporting or other personal consumer reports

I just checking my credit report and I noticed a few inquiries that I am not familiar nor did I authorize
Product: Debt collection

TDAutoFinance and another company that they employ call me 3 times a day to collect an overdue payment. I have already told one of their representatives that I would be able to make a payment for 15ish days, yet they continue to call me 3 times daily. I consider this to be a very XXXX tactic and I am considering permanently blocking all their numbers ...
Product: Debt collection

I disputed the collection with the the collection agency my claim shows evidence of identity theft, and everything reported should be shown as accurate. My name is XXXX XXXX XXXX, wrong spelling and addresses have shown constant. I have personal information constantly stolen and used without permission, this has been disputed mutiple times. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. This delinquent account record is inaccurate. Also, I have still gotten constant calls.This has caused anguish and XXXX. I had to change my phone number due to the calls I request that the following account be promptly removed immediately off of my credit for Portfolio Recovery for {$1400.00}.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized Reinsertion Demand for Immediate Removal and Compensation To Whom It May Concern I am writing to formally dispute the unauthorized reinsertion of an account on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX This account was previously deleted from my credit report and has been reinserted without proper notification, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). The law explicitly states that if a deleted item is reinserted, the credit bureau must : Notify me in writing within XXXX business days of the reinsertion. 
Ensure the data furnisher provides certified verification that the information is accurate and complete. 
I have not received any written notification regarding this reinsertion, and therefore, you are in violation of the FCRA. This is an unfair and deceptive practice that has caused unnecessary harm to my credit profile. 

Demand for Immediate Action Immediate Removal : I demand that this account be permanently deleted from my credit report within XXXX ( XXXX ) days of receiving this letter. 
Proof of Verification : If you claim that this reinsertion is valid, I require certified verification from XXXX XXXX XXXX proving the legitimacy of the debt, including a signed contract bearing my signature. 
Compensation : Due to this unlawful reinsertion, I am seeking monetary compensation for damages incurred, including harm to my credit, financial stress, and potential legal fees. If this matter is not resolved promptly, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal action for FCRA violations, which can result in statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n.

This letter serves as formal notice that I am prepared to take further legal action if necessary. Please provide a written confirmation of deletion and a response within XXXX ( XXXX ) days from the date of this letter. 

Failure to comply will result in a formal complaint being filed with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect your immediate attention to this matter. You may respond in writing to the address above.
Product: Credit reporting

I attempted to acquire a loan with a lending company. However, they were n't able to lend me as much due to my credit history. This was the XXXX time I had ever applied for a loan. I had never applied for a loan and to my astonishment, the lender revealed to me that I had applied for a credit card with XXXX in 2010 and made a payment substantially late. Four months approximately. I did n't even recognize the company nor I had no idea where you can apply for a credit card. I was in college at the time and I had no need for a credit card since I had scholarships to aid my expenses. So I am baffled as to how that ended up in my credit history. I called to both, the Credit Bureau ( TransUnion ) & XXXX, and they had told me that it will take about a month to get back with me to verify this information and also send me a letter via mail. I never gotten a written statement in regards of the issue. I called again to the credit company ( XXXX ) and again they directed me to the fraud department and stated they do n't have any information or record ov me getting a card with them and will send me a written letter via mail about the predicament. Again, after a year, I have n't received anything.
Product: Debt collection

I called XXXX XXXX XX/XX/22 regarding text messages that they were sending to my phone for a debt that does not belong to me. Originally I clicked on the link to try to figure out how I owed a debt with a company ( XXXX  XXXX ) that I just started with. When I clicked on the link to find out exactly what was going on, it required me to type in the last 4 of my social security number, which I did. When the account information pulled up, I realized it was NOT my account. My son who is a minor has the same name as the XXXX of that alleged debt. I called halsted financial and they violated federal law by releasing the last 4 of that persons SSN when I told them on the recorded line my name which is not the name listed and of course not the ssn. You can not release protected information such as SSN.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I processed 2 payments for consulting services through Paypal Here. Paypal immediately limited my account, and requested extensive information on the transactions. 

I proceeded to provide the information to Paypal, to which they claimed they needed more information. I provided the referenced information, including my service contract, contact information for payee, and other details. 

Paypal then unilaterally claimed my account was too risky and they were entitled to hold my payment for 180 days. This is straight up fraud on Paypal 's behalf. They hide behind their user agreement with no specifics, and attempt to withhold small business payments. 

Given the current pandemic, companies like this should be prosecuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed on multiple occasions with Experian, the data regarding my XXXX Department of Education student loans. I have personally written XXXX a letter explaining the dates in which they claim I missed payments, the dates they claim I never made payments, and the dates in which I showed receipts for payments that I had made, to no avail. My student loans are not even held by XXXX anymore, which is beside the point all of my student loans have been consolidated into one loan and I still have derogatory marks on my credit report showing that I missed payments and I have never missed a single payment I have always been in forbearance or part of a repayment program. I have submitted copies of my receipts for dates that they show I missed payments to both XXXX and Experian and nothing changes every time I file a dispute. I run a XXXX XXXX which is a XXXX XXXX which is the only income for my family of XXXX children and wife, my only option for credit is through personal credit not business credit therefore these derogatory marks from XXXX which is absolute bogus, are creating an extreme hardship on me and my family. I hope you guys can get something more done than I have been able to.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX I received the email I copied below. I called Huntington after I read the email, and was told that their criteria for awarding credit has changed. When Huntington awarded credit to me, my credit score was at about 600 if my memory serves me right. They started me off with a {$4000.00} credit limit, and I was paying a 23 to 25 % Interest, that was based on the rewards program they offered, I accepted the terms and I've paid my bill, not the minimum, most of my disposable income goes into my credit card when I use it because I can use the card when I need to. 
Huntington 's reason for closing my account per the letter I received yesterday was for a 1. Lack of sufficient deposits with Huntington or another qualifying Huntington relationship. " This was not a term presented to me at the time credit was offered '', the credit was offered, I called them with the offer they made to me. 
2. Frequency of revolving activity on the account, " the more I use their card the more money they make off me? ". Right!

3. Utilization level on the account, " same reason as the second and fourth reason they gave ''.

Finally, my complaint is that I believe Huntington is discriminating against me, because of my race. The current political environment makes this fact clear. Per my estimation I have been a good paying consumer because ; 1 ) I pay my bill on time. I never pay the minimum, when I have the funds I pay off my balance.

2 ) My credit score is much better than it was when they offered credit, please be aware I do have derogatory reporting, but those existed when credit was offered and awarded.

3 ) Huntington never made a complaint to me regarding my account. I believe I am being targeted for no other reason than my name.

RE : Huntington Credit Card ending in : XXXX Were writing to let you know that your account referenced above was closed on XX/XX/2019 because of : Your lack of deposits or other qualifying relationship with Huntington Your credit score A recent evaluation of your account using a credit scoring system that assigns a numerical value to information used to determine your credit worthiness You will receive an account closure notice in the mail with detailed information in the next few days. 
Now that your account is closed Please destroy and properly dispose of all cards associated with this account Tell anyone else that uses the account that it has been closed Contact merchants who process automatic payments from this account to make other payment arrangements Continue to make payments on any remaining balance by the due date on future statements If you signed up for overdraft protection When your credit card account is closed, it can no longer provide overdraft protection for a linked checking account. Huntington does have other types of overdraft protection available. To learn more or if you have any questions, please call us at ( XXXX ) XXXX, 24 hours a day, 7 days a week, or visit any Huntington branch to speak with a banker.
Product: Bank account or service

When we opened our account, we were told by the branch manager that the XXXX {$100.00} of each check deposit into our business account would be made available the same day. We made XXXX separate deposits at the same time and was able to log in online to see that we indeed had XXXX, {$100.00} hundred dollar pending transactions. Overnight, BB & T reveresed XXXX of the {$100.00} deposits charging us overdraft fees. This occurred on XXXX/XXXX/15. If the bank actually receives and deposit clears the same day, then the funds should also post the same day. Check XXXX should work both ways and for the consumer and not just against the consumer. 

BB & T back dates deposits creating confusion. For instance, if I make a deposit on XXXX/XXXX/15 for {$500.00} but only the XXXX {$100.00} is made available that day, then both online and the statement should read deposit of {$100.00} on XXXX/XXXX/15 and {$400.00} on XXXX/XXXX/15. We believe that deposits are actually cleared and posted on the same day but not credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Transunion for reporting inaccurate information on the listed account below. For some reason, I realized that there were late payments on my credit report. The bank has made errors with the payment and processed inaccurately and agreed to fix the issue. However, the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need TRANSUNION to correct the erroneous information on my report ASAP. 

XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

The Bank Provided the information I filled it out and they have been giving me the grand run a round sense. Wells Fargo bank stole my truck by repossision and niw they say they dont have any records anymore they threw them away. They never should have been allowed to handle the paying back of money we were robbed of. They gave me XXXX and I was out XXXX and had to file bankruptcy and they have not even fixed my credit as they said they would.
Product: Debt collection

Franklin Collection XXXX added this debt to the credit unions which resulted in a XXXX deduction in credit score. I contacted the office that sent this to XXXX and advise them that I was charged and paid for what they asked for when I was in their office. This should have never been sent to the credit bureaus. The dentist office is XXXX XXXX XXXX, XXXX in XXXX, MS . They need to get into the habit of asking for the full amount if that is what they charge. I had no knowledge of this bill. I have since sent XXXX the payment requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX  continuing to report inaccurate information. 

They have multiple accounts that show still open yet in collection and have recent payment history, yet I have never had such accounts and no proof of documents with my signature were provided, how is this continuing to be report? I request and demand that they are deleted from my credit profile. 

This is my third attempt in attempting to remove inaccurate accounts and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validate this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.
Product: Debt collection

Date : XX/XX/year> Amount : {$21000.00} Action : Received Letter for debt collection. 

**This is not my debt. 
I've never owed this debt, and also the name on the notification is different from mine.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and found late payments that are inaccurate names that are not mine, addresses where I never lived, and accounts that have insufficient data on them. These accounts are 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: Credit reporting or other personal consumer reports

I just obtained a copy of my credit reports and it shows unverified and fraudulent account that violates the FDCPA. Please see the attached copy of my dispute letters that were recently sent to the bureaus.
Product: Debt collection

The reason for the medical care was because an incident happened at work and I had to be seen. My office manager at the time told me that the clinic was responsible for all cost. Now its on my XXXX  Credit once and twice on my XXXX  report. Ive made several attempts to check on this. And I never got a bill.
Product: Credit reporting 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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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

n accordance with the Fair Credit Reporting act XXXX Account # 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Personal Credit Report XXXX created XX/XX/XXXX, File Number XXXX, for XXXX XXXX XXXX, XXXX XXXX, top of first page, shows incorrect birth date pf XX/XX/XXXX. Correct birth date is XX/XX/XXXX. No response received yet, after notifying TransUnion via their website link in their online credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! 
I was trying to get a approval to buy a house and I received this report on my Equifax credit bureaus that I was late on XXXX XXXX for 60 days in XX/XX/XXXXand XX/XX/XXXXmonth XX/XX/XXXX, it is incorrect information I was always on time and never was late for 30 days or more I paid XX/XX/XXXX andXX/XX/XXXX bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Equifax bureaus.
Product: Credit card or prepaid card

RE : Regarding a Reported Delinquency in XX/XX/2015. 
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX. I have been a satisfied customer of Capital One for years. 
Your outstanding customer service is the reason Ive remained a loyal customer. Ive always considered it a priority to make all my payments on time. Unfortunately, when my father died I fell short. I was over a month late with a payment. 
I had been carrying a sizable balance for several months. Then, I finally paid off the full balance. When I received my statements and, I simply discarded them without even opening them because I assumed they would show a XXXX balance with no payment due. It never occurred to me that there would be a finance charge from the last month that carried a large balance. 
I wish I had taken a moment to just open and read those statements. That was a big mistake, and I can assure you it wont happen again. From now on, I will always open every piece of mail that I receive from you. I recently opted in to email alerts just to provide an added layer of redundancy. 
Your records will show that in XX/XX/2015 was the only time I was late. I had never been late with a payment until this unfortunate oversight. I have been prompt with the past XXXX monthly payments since getting caught up. 
As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. Please help me this is hurting me financially. 
Thank you very much for your consideration,
Product: Debt collection

On XXXX, a visit was made to the XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The physician apparently was employed by XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX submitted a bill for {$90.00}, which was paid on XX/XX/XXXX. XXXX XXXX XXXX is no longer in business, although the Internet still shows a XXXX XXXX location at XXXX XXXX XXXX. There was never a bill received from XXXX XXXX XXXX. On XX/XX/XXXX, a bill was received from Phoenix Financial Services on behalf of XXXX XXXX XXXX for {$90.00}. The bill was paid for {$45.00}, which was the amount demanded by Phoenix.  Upon further checking, it was discovered that that the original bill had been paid as noted above. Upon contacting Phoenix, they disclaimed all responsibility for the effort of XXXX XXXX XXXX to collect money from the individual for a bill that had already been paid to another party that XXXX XXXX XXXX was unable to collect from. Phoenix then sent a notice ( exhibit 5 ), disclaiming all responsibility for their actions and referring the individual to XXXX XXXX XXXX, even though Phoenix had improperly collected a debt and acted as an agent of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint today to inform you that I have been a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$260.00} XXXX XXXX, XXXX Original creditor : XXXX XXXX XXXX Balance {$370.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$2800.00} XXXX Inquired on XX/XX/2022. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.