23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2023 XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX  XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from your credit report. PLEASE PROVIDE MY SIGNATURE ON THESE INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey there, I have been keeping an outstanding credit rating with Equifax XXXX XXXX bureaus with no derogatory & no late payments reported ever and have noticed that my credit score started dropping starting last year when XXXX XXXX  XXXX closed my checking account and Visa card with a minimum of $ XXXX balance to avoid fees and the visa card in a very good standing and it got worse a couple of months ago when I sold my car and paid off the outstanding loan and cleared everything which started showing on my credit bureaus reporting as closed account but this effected my credit badly where it dropped by XXXX points for no reason at all! 
I am completely baffled as to why these events have cause my credit score to drop by a total of over XXXX points and wondering of you could possibly help me as I have not been able to get any answers from the credit bureaus. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of delinquency are incorrect with student loans so once I filed a dispute with Credit reporting agency Equifax, to please remove the account that have been closed, they stated the accounts wasn't closed that they report late payment not receive dropping credit score 126 points, I asked if the account was already passed due 10+ years ago and affected my score then, how can it continue to affect my score report as if its new late account..
Product: Debt collection

On XXXX XX/XX/2021 I received a phone call from a debt collection firm called " Reliant '' asking me to pay {$2200.00}, but offering few details. On XXXX XX/XX/XXXX I sent a debt verification letter to Reliant asking for 1. The name and address of the debtor, along with the account number and the amount of the alleged debt. 

2. Verification that there is a valid reason for demanding payment 3. Details about the age and amount of the debt, including the last billing statement from the original creditor ; an explanation of interest and payments made ; the legal authorization for any interest ; the date the original creditor claims the alleged debt became delinquent ; and evidence that I was a party to an agreement to pay any amount. 

4. Whether or not this alleged debt is within the statute of limitations, and how that determination was made. 

5. Information about Reliant 's authority to collect the debt, whether or not Reliant is licensed to collect debt in my state, including the date of the license, the license number, the name on the license, and the name, address, and phone number of the state agency issuing the license, and the same information from Reliant 's state if Reliant is contacting me from another state. 

As of today, XXXX XX/XX/2021, Reliant had not responded. Today I was notified via the XXXX XXXX website that this debt has appeared on my XXXX  credit record. 

Please help me resolve this matter. If there are additional steps I need to take, your advice will be appreciated. Thank you. 

Respectfully, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$7400.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/ Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XXXX  Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I am a victim of identity theft. I have a XXXX account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, TransUnion, and XXXX on XXXXThe account is XXXX XXXX and it is not mine as I have been a victim of identity theft as the documents I have included in my disputes have clearly illustrated. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent all of the required documents to these bureau 's such as my FTC identity theft report, my XXXX XXXX police report, my drivers license, my social security card, a letter detailing my identity theft and past 2 years of residential history and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account. I don't understand how this account is being verified as accurate when I have provided everything required to support my claim. I am distressed because of this situation and feel as if my disputes are not being taken seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been breached by the XXXX breach, Target information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted TransUnion via Certified Mail on XX/XX/2017 and got no response back. A representative of TransUnion signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the police report and FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not update my monthly payment yet. XX/XX/2021, XX/XX/2021 paid every month. Based on recent payments, the balance of bridge crest should be less than XXXX dollars and the balance of XXXX XXXX XXXX should be less than XXXX dollars. 
The best payment history. I try to buy home ( FHA loan-first time home owner ) for my kids, BRIDGECREST CREDIT C and XXXX XXXX XXXX XXXX should update my monthly payment as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I have sent 7 validation letters via mail and received no response or update in regards to this matter. 
XXXX XXXX XXXX Account : XXXX Account Number : XXXX Please supply information on how you have verified this item. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
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 completion of your re-investigation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have successfully sent over documentation/supporting details regards to this fraudulent /incorrect account that have been added to my file. After speaking to numerous customer service reps in addition to faxing over documentation showing I am a victim of identity theft. Despite showing supporting document XXXX, has failed to update my credit file accordingly. 

XXXX XXXX XXXX Amount of XXXX Reason : Fraudulent Account
Product: Checking or savings account

On XX/XX/2018, I went to the XXXX, NC XXXX XXXX ATM, which charges no fees, to withdraw money. I used it twice, and was told by a gentleman that I needed to request a receipt, or the ATM wouldnt issue money. As always lately I request receipt from any ATM I use due to various issues with banks, and credit unions in the past. My second time using the ATM, I requested {$40.00}, but the machine gave me {$80.00}, so when I got home I checked my account online to find the withdrawal did take out {$80.00}, instead of {$40.00} I requested, but saw two fees totaling {$6.00}, for the ATM use by PNC Bank. Its federally illegal for banks, and credit unions to do this for an outside of network ATM to double charge, and in this case the ATM charges no fees, which means they have agreements with all banks, and credit unions to not charge fees! Please investigate this, along with my other complaints about XXXX XXXX, and PNC Bank back in XX/XX/XXXX-XX/XX/2018, because I only received {$60.00} back from XXXX XXXX for an old canceled account, and no money back from being overcharged for my service in XXXX, and in XX/XX/2018 my cellular phone was turned of, now both devices do not work at all, nor my old XXXX XXXX XXXX XXXX XXXX, in which under prepaid the customer owns the devices that are free, but XXXX XXXX states they have a right to turn of equipment if service isnt kept for six months. Also, PNC has charged me overdraft fees from these XXXX XXXX transactions, before their 5 day grace period starts for me to even be able to put monies in their bank to stop fees, even when I do I still get lied to, and charged, which messes up my banking, and monies on hand! PNC Bank owes customers for the early overdraft fees, and should be brought up on EEOC charges, because it makes the customers credit with Bank terrible, and for possible employment reasons PNC Bank uses this tactic to not hire! XX/XX/2018, I have a interview call from EEOC coming up, and please send this information to them, to be used in cases I previously filed with XXXX, FTC, CFPB, EEOC, OIG, OSC, and DOJ.gov, and include me on any court case proceedings? Thank you! From : Mr. XXXX. XXXX. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Supervisor nor representative stated they will not comply with inaccurate removal of inquiries nor update fraudulent information.
Product: Debt collection

I reviewed my XXXX XXXX and noticed that there was an inaccurate account on my credit report. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

They are illegally reporting.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

These are the hard inquiries that are fraudulent on my report. 

Premium credit bureaus XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian business XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to use my identity causing collection and hard inquiries. I called TransUnion and they would not remove these. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This allege account was disputed with allege original creditor XXXX XXXX and they failed to validate this debt. I sent letter disputing this allege account requesting all documents and contracts XXXX  has on file giving them authorization to report this account to my Equifax credit profile and no documentation was provided. I never received a response AT ALL. it is my rights under the fair debt collection practice act title 15 usc 1692 ( g ) to verify and make sure all item reporting to my credit profile are reported accurately and in fairness. XXXX XXXX has failed to validate this allege debt and I demand this account to be deleted from my EQUIFAX credit profile. A copy of this dispute will be forwarded to XXXX, IRS, and the US ATTORNEY GENERAL office for review.
Product: Debt collection

Credit Collection Services reported a {$580.00} collection account onf credit reports. I've attempted to seek a validation letter and haven't received one, but disputes keep coming back within FCRA guidelines. I've contacted XXXX, and they have no record of account. Looking back I received a quote a from an email listed as XXXX, this email leads to a phishing site. Without validation and no account per XXXX this is a fraudulent debt and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX KEEPS REPORTING A NEGATIVE ACCOUNT ON MY CREDIT BUREAU REPORT. THE TRADELINE WAS REMOVED 3 YEARS AGO AND PUT BACK ON XX/XX/XXXX. EXPERIAN DID NOT CONTACT ME WITHIN THE 5 DAYS AND NOTIFY ME OF A DATE OF REINSERTION. XXXX  HAS NOT BEEN ABLE TO SHOW PROOF THAT THE ITEM BELONGS TO ME DESPITE SEVERAL ATTEMPTS TO REINSERT THIS ON MY CREDIT. I PROVIDED A POLICE REPORT TO EXPERIAN AND THEY STILL REFUSE TO DELETE THE NEGATIVE TRADELINE AGAIN. THEY HAVE BEEN UNABLE TO VERIFY THIS AND EXPERIAN IS NOT FOLLOWING PROTOCOL BY LETTING XXXX CONTINUE TO TARNISH MY CREDIT. I AM UNABLE TO REFINANCE MY HOUSE OR PURCHASE ANYTHING ON CREDIT BECAUSE OF THIS. EXPERIAN HAS ENOUGH TIME TO REMOVE THIS NEGATIVE TRADELINE AS I HAVE BEEN DISPUTING THIS ITEM SINCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX  XXXX DATE OPENED XX/XX/XXXX
Product: Prepaid card

Friday, XX/XX/XXXX my company gave me an American Express XXXX XXXX that was delivered to my email in the amount of {$450.00}. I was able to use this card several times from XX/XX/XXXX to XX/XX/XXXX and then it stopped working. There is no physical card attached, you are supposed to use it by adding to XXXX XXXX or online as a credit card. I can not get it to work anywhere now. My remaining balance is {$140.00} and I just want that money. I attempted to call the number in the email and got the automated phone call run around. I followed all the information on their website I could find, including waiting a month and trying the card again. Well, I waited longer than that and still can not get literally any vendor to accept this form of payment. There is no way to attach my name or address to it. So there is just money sitting there that I can not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three 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 XXXX, and I'm including it once more. 
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, credit repair services, or other personal consumer reports

The attachment shows multiple contacts to the collection agency finally resulting in the removal of the unverified account. There is also a screenshot of my credit monitoring report showing that Equifax is the only bureau still reporting the account. My name is not accurately reporting as XXXX XXXX XXXX. Also, none of these addresses have been verified XXXX XXXX XXXX XXXX, XXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL,XXXX- Nor these inquiries XXXX Type : - - XX/XX/XXXX ; XXXX Type : - - XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to comply with Federal regulaions and continuing to report a Date on my account that appears to have opened  XXXX   XXXX  seems to be incorrect and false for unverified account  XXXX  account  XXXX  as well as the first reported date of  XXXX   XXXX  I contact  XXXX  myself and was told by  XXXX  that worked there that they are unable to release third party information without a written consent from account holder in which I have no contract with  XXXX  so I contact Experian and they refuse to provide me with any documents with my wet inked signature. They are reporting things that they claim to have verified so multiple times I have asked for the method of verification in which I have a right to ask by law. But they refuse to comply so I have filed a Complaint with the better business bureau and plan to file one with my state attorney General office because of their failure to obide by the law and Instead they shift the burden on me as the Consumer to get the information which is another violation and not even that i disputed this in  XXXX  that was signed by a rep at Experian and they did not at the time note that i I was in fact disputing  XXXX  in which that is another violation that i have my certified slip along with my credit report date stamped as proof.   Yet Experian has failed to provide me with a copy of any viable evidence submitted by  XXXX . Or provide copy of cancelled checks to prove the last payment received is reported correctly.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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 not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports