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

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_REPRISE Date open________________________________________ Account Number XXXX Reason for dispute_IDENTITY THEFT_ Account Amount XXXX Account Name_XXXX XXXX XXXX_ _ Date XXXX Account Number XXXX Reason for dispute IDENTITY XXXX Account XXXX Account Name XXXX  Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account Name_XXXX XXXXXXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX  XXXX  Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA DID NOT DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts being reported on my credit reports including different balances, and dates under the same account number.
Product: Credit card or prepaid card

I received an email from XXXX about a hard-inquiry on my credit report. The inquiry was from XXXX XXXX XXXX I did not apply for a card nor did anyone from my household. I've put a fraud alert on my credit reports and am trying to get the inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED FTC REPORT WITH COMPANIES AND THE CREDIT REPORTING AGENCIES THEY CLOSED THE ACCOUNTS BUT DID NOT REMOVE FROM CREDIT REPORTS THE ACCOUNTS ARE / US BKPT CT IL XXXX REFERENCE # XXXX US BKPT CT IL XXXX REFERENCE XXXX XXXX XXXX XXXX XXXX & XXXX XXXX  # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, XXXX, TRansunion, and XXXX. Added a Fraud Alert on each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.
Product: Debt collection

The company is trying to collect a balance of {$1000.00} from a debt they purchased from XXXX XXXX XXXX XXXX that has a credit limit of {$300.00}.
Product: Credit reporting or other personal consumer reports

XXXX  Block Request Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB Card Services pulled my credit without my permission on XX/XX/XXXX and XX/XX/XXXX. I am requesting they correct this inquiry by removing it from my credit as shown via XXXX XXXX Credit Reporting Agency immediately. In addition please provide a statement verifying the error was corrected.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX XXXX [ XXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] TransUnion : [ XXXX XXXX ] [ XXXX ]
Product: Mortgage

DiTech, a " XXXX XXXX '' became the successor in interest to Greentree ( which had purchased our mortgage loan from XXXX XXXX I believe it was ). Around XXXX XXXX we received our annual escrow statement showing a large positive escrow balance accompanied by a " Shortage Adjustment Notification '' proposing a {$64.00} per month increase in the escrow portion of our monthly payment, accompanied by a footnote that the information provided did not require any action on our part. I took no action because I could not determine how they calculated a shortage. The XX/XX/XXXX Payment went with the standard payment - the pre-shortage notification payment and DiTech lowered the boom. It did not credit me with the XX/XX/XXXX payment at all, but deposited it to a suspense account ( whatever that is ), imposed a late fee of {$120.00} because the XX/XX/XXXX payment " had not been made '' ( on the escrow shortfall of {$62.00} ), claimed we were a month in arrears on our mortgage and will undoubtedly up the late fees and charges when I refuse to pay the late fee.
Product: Mortgage

My mortgage was sold from prior servicer to XXXX XXXX  effective XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from XXXX XXXX that they were preparing my upcoming tax payments and that I did not need to forward my regular tax bill. They indicated I would be notified once the taxes were paid. 

I received an email on XX/XX/XXXX from XXXX XXXX  notifying me that my mortgage was sold to XXXX XXXX effective XX/XX/XXXX ; however, the subject line of this email indicated that my mortgage was sold to XXXX XXXX XXXX XXXX. 

I received letter from my home insurance company dated XX/XX/XXXX that my renewal payment, which was supposed to be made XX/XX/XXXX, was never made by Valon. 

On the same date, I received a bill in mail from my county treasurer 's office indicating that my property taxes, which Valon indicated they were in processing of paying 4 months prior, were not paid.
Product: Checking or savings account

I am owed approximately XXXX in late fees and overdraft fees that were charged to my account over the period of 5 years when I was with Wells Fargo. 

I need this refunded immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Account Number : XXXX Balance : {$500.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$0.00} XXXX / XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX Account Number : XXXX Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I have XXXX authorized user accounts that are incorrectly reporting on my credit profile. These account do not belong to me, and I have requested to be removed from them as an authorized user. 

I have contacted both the credit card company and the credit bureaus XXXX XXXX to request the removal of this account, but it remains on my report. This inaccurate reporting is negatively affecting my credit and causing unnecessary stress. 

I am requesting your assistance in investigating this matter and ensuring that the account is removed from my credit profile as soon as possible. 
Thank you for your attention to this issue.
Product: Money transfer, virtual currency, or money service

I uploaded the XXXX application to my phone. I used the account initially as a friend from abroad paid me through this application. I transferred the money to my XXXX account with the XXXX. At this point XX/XX/2021 my account was hacked and various transactions took place unknown to me. I went back on to the application in XXXX of this year to transfer once again dollar money from my chase account through Revolut to my XXXX account in sterling. One transaction went through but XXXX did not and was since transferred to a number of contacts that I do not know that are not on my phone and that are entirely fraudulent. The company resolut say they will not reimburse me and saying that these transactions are indeed me. I reported the fraudulent activity to my local police precinct and have a case number XXXX. Revolut have no option to call anyone it is purely via chat room or email. They have been thoroughly unhelpful, unprofessional and essentially calling me a liar. I am looking to of course get my money back which is in total over {$4000.00}
Product: Credit reporting or other personal consumer reports

There is inaccurate information on my report that has is being reported as valid. it is not. it is unlawful and unethical to report inaccurate information on my report.
Product: Mortgage

Account XXXX XXXX A letter was sent to us from Wells Fargo stating that they have not received a payment since XX/XX/2014. Of course I was concerned because for the last six months, five payments were taken out of our account. I called Wells Fargo to tell them that something was wrong on XXXX and that's when they told me my account was in default and was in the process of foreclosure. It was at that time that I asked for a reinstatement quote.The next day XXXX, I went to my Credit union and we discovered that the automatic bill pay was going to a different account. The account number XXXX. We found that our mortgage was going to the wrong address with the wrong account number on it. During this time an unauthorised escrow account appeared on our statement, mind you we never signed or authorized an escrow account. This mistake was not recognized for six months. Also we have a copy of the credit union withdrawals. Please responding a timely manner.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, and I have found that in accordance with the FCRA you violated my rights under 15USC 1666B Timing of payments.

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 B of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. I did not receive statements from XXXX 21 days before the due dates for the month of. XX/XX/year>. XX/XX/year> XX/XX/year> and XX/XX/year>. According to the FCRA, creditors must send statements at least twenty-one days before the due date to allow consumer sufficient time to make payments on time. Please conduct proper investigation and provide proof that statements were sent out twenty-one days prior to the due date. Please provide tracking number. if no proof is furnished for verification and validation, please update. late payments to PAANL ( Paid as agreed, never late ) Also, please update payment history to " ok ''. 

15 USC 1681A Definite rules of construction.

( 2 ) exclusions, except as provided in paragraph XXXX, the term consumer report does not include. 
( a ) subject to section 1681S-3 of this title any- Report contending information solely as two transactions or experiences between the consumer and the person making the report. 
Transaction should not be included on my consumer report if they are not accurate. Verifiable or complete. the late payment on me XXXX  XXXX account should not. be included on my consumer report because according to the consumer law there. they are transactions and transactions are excluded from a consumer 's file. Please update the late payment to PAANL ( As agreed and never late ) and update my report history to " ok ' The 15 USC 1681S. 7 ( A ) ( i ) Responsibilities of Furnitures of information to consumer reporting agencies. 
Negative information ( A ) Notice to consumer required ( i ) in general. 
If any financial institution that extends credit and regularly and in the ordinary course of business furnaces information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the Financial Institution shall provide a notice of such furnishing of negative information and writing to the customer. Furnitures of information such as XXXX XXXX must notify consumers in writing before reporting negative information to credit reporting agencies. I did not receive any written notification from XXXX 130 days prior or after the late payment was being reported on my credit report. Please furnish proof that a letter was sent to me from credit. creditor along with tracking number. Please conduct proper investigation and if you can not provide proof, please update my payment to pay it as agreed, Never late and update payment history to okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX 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 state a consumer reporting agency can not furnish an account without my written instructions. i did not give them written instruction. 

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 items of information other than records of convictions or crimes wich 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: Debt collection

For the past month, I have been receiving calls from a number identified as, " CMI Group. '' I have answered this call repeatedly and asked them to reference what it is about as they constantly call when working. They refuse to state their business, and repeatedly ask me personal and identifying questions, which I refuse to answer. I have repeatedly asked for a debt validation letter, as I receive no information about the purpose of this call. As soon as I ask, they hang up. If this would have just stopped there, I would rack it up as a misdial. Instead, they call 2-4 times a day, repeating the same process. Today was the last straw. They called around XXXX. I AGAIN told them a ) I'm working and b ) I would not now, nor ever, provide them with personal or identifying information. If they were legit, they could tell me WHY they were calling as they'd have the information they were asking for. Yet again, they promised not to call during business hours. That lasted less than 3 hours until they called yet again. This is harassment, plain and simple. As far as I'm aware, I owe them nothing and will hold that stance until they identify why they are calling. This hasn't happened in the approximately 100 calls I've had over the last month. Make it stop, please. This is disruptive to my business and personal life and an absurd amount of times to call when the company won't even answer questions about the supposed " debt. ''
Product: Debt collection

Transworld Systems - XXXX XX/XX/2019 - XXXX XXXX  Called cell phone XX/XX/2019 - XXXX XXXX   Called cell phone Do not own a debt with anyone but continue to call. 

Need to stop calling ( Harassment )
Product: Checking or savings account

I am writing to seek urgent assistance regarding an issue with my account. I received XXXX different direct deposit totaling {$500.00} from the XXXX XXXX XXXX XXXX, which I promptly reported as an error to Citibank. I called Citibank and reported the first deposit of {$330.00} as fraud. Then the XXXX XXXX XXXX contacted me and advised me they were a real company and it was sent in error. I also informed Citibank that I would be returning the funds to the sender, which I did. 

However, the following week, my account was over drafted by {$330.00} due to Citibank placing a fraud claim on the {$330.00} deposit, resulting in an overdraft of my account. I have provided Citibank with screenshots of my communication with the sender and a call log of my conversations with Citibank representatives. 

Despite following Citibanks guidance and providing all requested documentation, I have not received any assistance or resolution regarding this matter. I kindly request your urgent intervention to address this issue and correct the overdraft. 

Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX in XXXX XXXX XXXX on accounts that I had no contracts with, The original owners sold the account but I had no contract with the company who put this on my report.I filed with XXXX the same no contracts.The breach with XXXX has not helped with my reports ... when I filed my reports I had a score of XXXX with XXXX  working my way up to a over XXXX score and all of a sudden my score has dropped XXXX points because XXXX allows these company 's to make a jester to the account? This is totally wrong on both parties
Product: Credit reporting, credit repair services, or other personal consumer reports

I created a XXXX  complaint on XX/XX/21 for Transworld System Inc. I got a response on XX/XX/21 with a receipt. I rejected their response on XX/XX/21 because they can not provide the original contract with my signature to validate this is my account. They never responded. 

I filed a dispute with XXXX  & XXXX on XX/XX/21, the results came back XX/XX/21 saying that this account was validated. I still have not received the documents that I have requested numerous times ( original paperwork w/ my signature ). I paid for the debt before I knew my rights ( FCRA XXXX & before I knew this could be falsely reported on my credit report. 

I just want TSI to validate this is my account. If they can't provide the specific documents I am requesting, I want it removed from my credit report. This is illegal to report or collect on an account that they can not validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a declined bank error late payment on my car loan account with EMVLP , LLC. I have never made a late payment on this loan or any other loan in my credit history. The late payment was caused by a bank error, and I have proof that the payment was made on time. On XX/XX/XXXX of XXXX, I made a payment of {$320.00} to my car loan account. I have attached a copy of my bank statement showing this payment was processed and deducted from my bank account on that date. However, for some reason, EMVLP , LLC did not receive the payment, and as a result, it was marked as late on my account. I immediately contacted EMVLP , LLC to resolve the issue and sent a letter disputing the late payment. However, my dispute was declined, and my credit score has been negatively impacted by their mistake. I have always been a responsible borrower and have maintained a perfect credit score until this incident. I am requesting that EMVLP , LLC remove the late payment from my account and correct my credit report. I have provided proof that the payment was made on time, and I believe that their mistake should not be allowed to damage my credit history. Thank you for your time and assistance in this matter. I look forward to a swift resolution to this issue.