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

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. I request that the correct information be updated in the following fields : Payment History, Last Reported Date, Date Last Active, Date of Last Payment.

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time. The following reporting periods need to be corrected as paid on time and the late payment indicators removed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1681e ( b ).

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX : Account # XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to the original creditor of this account who has stated there is no balance owed on any account with them as payment has been made in full. They have stated that they would reach out to the collection agency that was assisting on the account for them and have them delete the account from all reporting agencies as there is no balance with them and the balance was paid directly to the creditor. 
The amount disputed is XXXX Paid in full directly to XXXXXXXX XXXX  in guaranteed funds there is no contract or agreement of any balance owed between myself and source receivables.
Product: Credit reporting or other personal consumer reports

Transunion hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above hard inquiries are reporting on my transunion consumer report illegally. They are in violation of the Fair credit reporting act. Per 15 USC 1681 ( B ), I did not give transunion my written consent to report these inquiries. Therefore i demand that they be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Investigation Complaint Request for Verification To Whom It May Concern, I recently reviewed a copy of my credit report and noticed several inaccuracies regarding the following account, which is negatively impacting my ability to obtain credit. I am requesting an investigation to ensure the accuracy of the reported information. 

Account in Question : XXXX XXXXXXXX Account Number : XXXX I am formally requesting verification of the accuracy of this account. Please provide documentation verifying the following details : 1. What is the date of the first delinquency on this account? 


2. What is the date of the last payment recorded on this account? 


3. What is the date this account was charged off? 


4. What method was used to verify the accuracy of this account? 


5. Who is reporting this account, and what supporting documents were used to validate the information? 



If you are unable to verify these details with proper documentation, I request that this account be removed from my credit report immediately, in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please respond in writing with the results of your investigation within the legally allotted timeframe. I appreciate your prompt attention to this matter. 

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

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, In this follow up, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XX/XX/year> ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$24000.00} XXXX
Product: Credit card

Fifth third bank has not been reporting my payments or accurate balances to the credit bureaus. They have purposely left the credit utilization reflecting a higher utilization than what is current they have not reported the payments or proper usuage for months which was not the agreed upon terms when I got this card. This failure to report has caused an extensive delay in my credit building and makes my account appear to be neglected. At this point I will be looking into pursuing immediate legal action against fifty third bank who has also failed to respond to several complaints still open against them so it has become apparent fifth third had no intention of resolving these matters and continue to manage my accounts in a neglectful and fraudulent manner.
Product: Checking or savings account

On XX/XX/XXXX i noticed fraud on my account from company called XXXX XXXX  for following transactions {$43.00}, {$28.00}, {$72.00} to which i called reported the fraud and filed a claim and WON ... because it was not my charges..they also placed a stop on XXXX XXXXclaim # XXXX Then on XX/XX/XXXX the same person or company who committed the above fraud put through the Same transaction amounts AGAIN {$43.00}, {$28.00}, {$72.00} only this time under XXXX XXXX!! so i called BANK OF AMERICA letting them know it happened again under different company name for same amounts opening a claim # XXXX ONLY this time they denied the claim for XXXX XXXX saying it was a duplicate they already paid and resolved.. it was not they took away the provisional credit in the amounts of {$43.00}, {$28.00}, {$72.00} on XXXX XXXX denied my claim. 
after calling to reopen the claim 4x with further explanation from managers in writing to an escalation team ... they said it would be corrected and then later 4x they sent me a message saying claim has been closed NOT PAID.. this is wrong and unprofessional in nature due to the clarity of the two fraud cases. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I was not asked for written consent for the obtaining of my credit report and was not given any copy of my rights under the FRCA. I did not receive any notice before the reporting of the negative information in addition the inaccurate information has yet to be corrected. Neither was I informed that the negative information was being reported. I did not receive the opportunity to opt-out of having my private information shared with third parties. Please delete the following information as soon as possible. I WAS AN UNINFORMED CONSUMER THEY DIDNT GIVE ME THE PROPER DISCLOSURE TO OPT OUT OF CREDIT REPORTING ( 15 USC 6802 B )
Product: Debt collection

Debt was shared wirth another third party collector named XXXX XXXX. Also theres incorrect spelling of my legal name on the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report I discovered unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to open accounts in my name fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXBalanceOwed : {$150.00} ; XXXX XXXX Balance Owed : {$9700.00}.
Product: Debt collection

Hello. 
The account on my name ( XXXX ) is not properly validated in compliance with FDCPA statutes. Portfolio Recovery Associates failed to validate the debt info and dont have right to collect. They haven't done proper research or helped resolve the account issue. Please verify the debt and send new validation and make sure the names and addresses match with my person. I demand that correct information be sent and that it truly validate the debt.I will continue to dispute the account until they resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you still have any type of block on it thank you.
Product: Credit reporting or other personal consumer reports

There are several hard inquiries on my credit report and when I called them they told me to call everyone and they can not do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ JPMCB CARD # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Due to the information listed on the usa.gov/credit-reports page, I believed that I was entitled to a free credit report from Experian.com ; when I attempted to sign up for an account on their site and realized they were trying to charge me money, I actually aborted the sign-up process and did not complete it, but they nevertheless have been charging a monthly fee of XXXX from my credit card for months while providing absolutely no service or information in return. 

I was never given a score, report, or credit information of any kind, by email, paper mail, or any other means. 

According to the Experian customer service line, there is a page somewhere on the site that will allow you to get your yearly free credit report, but it is deceptively hidden away in an attempt to bait people to sign-up for the subscription on the front page by mistake. 

Such an untrustworthy site should not be advertised on a government webpage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on my way to yoga dropped my pocket book rushing, no big deal! I put everything back and wenf to class. 
When It was time fo return to XXXX XXXX I realized I didnt ha s my social security card that I had in a separate compartment. I received an alert from someone attempting to make purchases with a card I may not have retrieved and now I have miscellaneous accounts reporting on my reports that wasnt there prior to me dropping my bag. Im afraid for my identity as it may have been compromised.
Product: Mortgage

I have a mortgage which was sold to sls. It was previously with XXXX XXXX XXXX as part of the XXXX deal. I have never had an escrow account as part of or terms of my mortgage. A year after it was sold to sls I received a letter telling me I was behind in my tax payments. I was not behind in tax or insurance. I am XXXX and am part of a tax freeze and reduction plan by the city of XXXX. I called and let them know that and I had a representative from the city send them a letter letting them know I was in the plan in good standing and not behind. The City even sent them the money they sent to pay my tax back to them. This has gone back and forward on the phone since XXXX. I have been asked to pay lump sums and then way more than I can afford each month. Finally i was told in XXXX that my loan to value was over 80 % sitting at a whopping 81 % and this is the new reason I am in an escrow account. I can't afford the extra payments each month that vary never the same. I would like my mortgage put back the way it was previous to the transfer. I think that it is a shame that they use 1 % ltv as a reason to keep me in an escrow account where there were no deliquencies. I have never been deliquent on my mortgage.
Product: Credit card

Business credit card was offered with a {$500.00} bonus if {$4500.00} was spent using the card within 150 days of account activation. Promotion included unlimited employee cards and card paid a favorable percentage back on fuel purchases, which is the obvious selling point of this business card. 

On XX/XX/2023 I activated the card, and shortly thereafter I requested and received employee cards for those employees of our business that drive our trucks and therefore spend money on fuel. 

We reached the {$4500.00} threshold within 60-90 days of account activation. US bank failed to pay the promotional {$500.00}. On XX/XX/, I received a letter stating that I did not meet the promotional requirements. When I contacted US Bank, the reason they provided was that the promotion was only for my individual card - and not the business account as a whole. That is a blatant lie. The account is in the business name, it was signed up in the business name, and it is a business card for business purposes- specifically fuel purchases. US Bank is being disingenuous at best, and at worst they have committed fraud - which in North Carolina is subject to the North Carolina XXXXnfair and Deceptive Trade Practices Act ( UDTPA ), which is found in Chapter 75 of the North Carolina General Statutes. 

I contacted US Bank but received no assistance in resolving this issue. 

US Bank owes me {$500.00} now, or I sue them and claim {$1500.00} in treble damages.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
COUNTY OF XXXX XXXX XXXX Account Balance : {$58000.00}
Product: Credit reporting or other personal consumer reports

It is appalling that you have ignored my repeated requests to correct accounts on my credit report that are in litigation and not properly verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove these accounts from the 3 bureaus as they are affecting my credit report.
Product: Credit reporting or other personal consumer reports

I have requested a debt validation along with the purchase agreement and they failed to provide this information Certified mail sent and recieved
Product: Student loan

Lendkey pulled my payment early. It is always paid for the first of the month and this time they ran autopay XX/XX/23. They sent the following message We are aware of an issue that caused your monthly payment to be drawn from the account enrolled for automatic payment earlier than expected. We are currently working on resolving this matter with the goal to have the funds returned within 24 hours. We will provide another communication upon completion with more information on steps to take if you were negatively impacted. We sincerely apologize for any inconvenience this may have caused you and assure you that any necessary adjustments will occur shortly. 

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

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES AN UNAUTHORIZED COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you Citibank CBNA, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

Today, I came across inaccurate accounts on my credit report, and I have no clue why they appeared. I check my report regularly, but this time, I found discrepancies that werent there before. I even refreshed my browser to see if it was an error, but the accounts did not disappear. Because of this, Im requesting a careful review of the documents Ive provided to ensure I no longer have to worry about this.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report on the account listed as US DEPT ED there are several inconsistencies which means neither credit bureau took the necessary steps to ensure they were reporting accurate information. The account report 3 different ways. 

Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type Government Student Loans Federal Federal Creditor Remarks : -- Current account/was a collection account, insurance claim or government claim or terminated for default. 
Student loan Fixed rate Term Length : -- 1 Month ( s ) -- Last Payment : -- -- XX/XX/XXXX Experian is reporting the account as a XXXX XX/XX/XXXX to XX/XX/XXXX but then the account updates to OK this can not be possible and the other 2 credit bureaus are not reporting it like that at all. The credit bureaus have failed to follow reasonable procedures outline in the FCRA.