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

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

On XX/XX/2020, mortgage solutions of Colorado denied my request for mortgage. The stated reason was for DTI die to debts from a non-borrowimg spouse. These debts were accrued prior to the marriage and under Texas Family Code Chapter 3 Sections 3.201 and 3.202 I the borrower am not liable for the debt. I believe it is improper and illegal under Texas state law for the lender to attempt to deny the loan under these conditions. I am demanding the loan be cleared immediately and funds issued a o the title company.
Product: Debt collection

I received a call from my mother stating that she received a call from a debt collector and they divulged information that I owed a debt. This took place on XXXX
Product: Credit card

My Comenity Bank credit card was compromised so I called and spoke to customer service on XX/XX/XXXX. The agent gave me credit for the charges which was {$130.00} and that charge was not done by me. I have not used this card since XX/XX/XXXX. The transaction took place in XX/XX/XXXX. Instead of closing the account, they started to send me the late fees and finance charges for those transactions under a different credit card number. They keep calling me every single day and leaves me messages saying that I need to pay those charges. Every month the amount increases and will call me from different numbers such as unknown, private caller, scam likely, and some Comenity Bank numbers. They are supposed to investigate and let me know what the results are, but they never let me know what happened or updated me, instead their main focus was to pay for the charges which were never made by me. They are not supposed to charge me for disputed transactions, I requested to have my account closed and it was never done, they instead transferred the late fees and finance charges on a different credit card number and kept sending me the statement every month. They do not want to listen to me, their only concern was that they wanted me to pay for those charges. I have concerns about this credit card company, only XXXXXXXX XXXX XXXX keep calling me, no other race but them. The address of the bank is : XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was paid in full. I have the documentation to prove it! Email confirmation from the company itself stating that the loan was paid off, however, its still showing on my credit report as derogatory and in collections which is affecting my score!
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

FINAL 3-DAY DEMAND NOTICE EXPERIAN FOR CURRENT DESCRPINCIES AMD FCRA VIOLATIONS COGRESS MADE IT CLEAR A CONSUMER CAN DISPUTE VIOLATIONS ON CONSUMER REPORT AT ANY TIME INCLUDING ON GOING LITIGATION Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX : Final Notice Before Legal Action Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX Documented FCRA Violations Credit Profile Discrepancies ( As of XX/XX/XXXX ) XXXX XXXX : XXXX ( XXXX variance from other bureaus ) Total Balance : {$83000.00} ( {$56000.00} discrepancy from XXXX ) Total Accounts : XXXX ( XXXX XXXX accounts than XXXX ) Derogatory Marks : XXXX ( XXXX fewer than XXXX ) Account-Specific Violations ( {$1000.00} each XXXX XXXX. XXXX XXXX XXXX XXXX ( {$40000.00} ) Account number discrepancy ( XXXX ) Missing loan term information Different last payment date ( XX/XX/XXXX ) Missing original balance information XXXX. XXXXXXXX XXXX  ( {$2300.00} ) Account completely missing from report Failure to report valid account information Violation of joint notification system XXXX. XXXXXXXX XXXX  XXXX ( {$5600.00} ) Different account number ( XXXX ) Inconsistent original balance reporting Different opening dates XXXX. XXXXXXXX XXXX  ( {$6100.00} ) Different account numbers Inconsistent payment history Different charge-off dates FCRA Violations Summary 1. Accuracy Failures ( 1681e ( b ) ) Inconsistent balance reporting Missing accounts Different account statuses 2. Investigation Failures ( 1681i ( a ) ) Failed to properly investigate disputes ( XXXX ) No response to written disputes Failed to update information after disputes XXXX. Joint Notification System Failure ( 1681b ( e ) ( 6 ) ) Failed to maintain consistent reporting across bureaus Different personal information reported Inconsistent account details Total FCRA Violations : XXXX Total Statutory Damages : {$12000.00} Due to the extended period of non-compliance and multiple unsuccessful dispute attempts over the past year, you are hereby given 5 days to : XXXX. Correct all inaccurate information XXXX. Provide written confirmation of corrections XXXX. Compensate statutory damages Failure to cure these violations within 53days will result in immediate legal action seeking maximum statutory damages, actual damages, punitive damages, and attorney fees. 


Respectfully submitted, Authorized Representative of XXXX XXXX  XXXX : XX/XX/XXXX cc : Consumer Financial Protection Bureau Federal Trade Commission
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this company to freeze and opt me out from doing any business that I have unauthorized with him. I have not received a response.
Product: Credit reporting or other personal consumer reports

OnXX/XX/2023 I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. 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 reinvestigated.
Product: Credit reporting or other personal consumer reports

The following inquiries viewed by others and me currently listed and showing on my XXXX XXXX  Consumer Report ID : XXXX is fraudulent and unauthorized inquiries : XXXX XXXX A Part of XXXX XXXX XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing multiple items on my credit report for an extended amount of time and have yet to be provided with any verification of alleged debt and said public record. As per the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as i requested before the end of the 30-day period. Instead, you sent me results of remaining accounts/records. It's clear you have willfully failed to modify or delete the disputed information, you willfully failed to conduct a reasonable reinvestigation of my disputes because I still currently have a collection account ( XXXX XXXX charge offs and a bankruptcy reporting on my credit report. According to FCRA sec 605b, it's illegal to report information on my credit without my permission. Also, while these items were in dispute the company failed to follow FCRA rules of cease and desist of collection and communication including through any mediums, which includes reporting to bureaus. Charge off accounts according to the IRS publications are considered income. Income isn't allowed to be reported to any credit reports ; therefore, must be deleted promptly. These collection accounts i've requested to receive actual PROOF of debt ownership, proof of my wet ink signature on contract with said debt collector, method of verification and valid right of collection. Your failure to properly investigate is an intentional and/or negligent FCRA violation XXXX For this alleged bankruptcy I have done my due diligence, by contacting the listed bankruptcy court for verification. They are not a data furnisher of this alleged bankruptcy. They have provided me a letter stating they do not report any information to any reporting agency! However, they're listed on my report as if the courts reported this information to them. I have made copies and sent this letter to all 3 credit bureaus. XXXX was the only one to delete the public record. Furthermore, I have also sent the letter to XXXX XXXXXXXX and they sent a letter notating updating and deleting the bankruptcy from my record as well. As a result of your conduct, you should promptly delete the disputed information. Since it has now been multiple disputes with no verification or valid updates. You lie to deceive your clients and ruin reputations. The reporting requirements do not comply with the FCRA 611- 15 USC 1681 and the information must be deleted immediately.
Product: Checking or savings account

On XXXX XXXXXX/XX/year>, my direct deposit was supposed to arrive and be deposited into my checking account with Capital One. It never was deposited. 

On XXXX XXXXXX/XX/year> I checked at XXXX XXXX, no deposit, no emails, nothing but a declined payment I had prescheduled to come out automatically. 

At XXXX  on XX/XX/year> I finally got through to customer service and requested an explanation regarding my account and lack of direct deposit. I was told there was a tech issue with no further explanation. I asked when I could expect my money and was told IT was working on it, I should expect it soon. I also asked about my payments that were declined and was told they could help me overdraft my account to pay. No thank you? I asked if there were fees associated with my declined payment if they would be paying. I was told, if theyre reasonable. 

More recent updates from others with Capital One state that now theyre estimating a XXXX, XX/XX/year> deposit. This is 6 full days after I was supposed to be paid. I believe we ( myself and all others who are facing these issues in this horrible economy ) deserve all fees associated with late payments to be fully refunded and to be reimbursed DAILY for each day our payments are late. This is absolutely insane. If I owed Capital One money, theyd be knocking down my door for payment with all sorts of fees and extras.

The fact that no courtesy email or phone call was made or sent to let people know the status of the issue or that it even existed is sickening as well.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
CAF XXXX Balance {$13000.00} XXXX  XXXX XXXX XXXX Balance {$0.00}
Product: Credit card

while doing a debt settlement with XXXX, we settled several Chase cards, there were XXXX left and XXXX tried to contact and settle, with no notice to myself or XXXX XXXX, Chase did a charge off. Same with XXXX, XXXX tried to settle with them as well. Chase and XXXX did not give notice of charge off. If they sent notice, I did not get it but I sure got from chase and XXXX the XXXX showing a charge off and I had to add the balance as income, had to add to my taxes. I feel because we tried to settle, they should not show on my credit score as owing monies because I had to claim as income and pay taxes. I even tried to call them and stayed on the phone for XXXX hr, never got a call back. When checking my credit, you can see where chase settled several accounts. I feel that since they settled other accounts they should not have charged anything off. I feel like I am now a victim because they did not want to work with us, not even a call back to XXXX. XXXX has been great and they too were not happy with their professionalism. I can only wonder who else has gone thru this with Chase and XXXX!
Product: Credit card or prepaid card

I used my XXXXissued XXXX card to purchase a travel vacation from XXXX on XX/XX/2021, for specific travel dates valued at {$840.00}. While buying the package, the agency ( XXXX  ) told me that the dates were available, and I sent them all my credit card details and signed the forms. But after the purchase, they told me the dates were unavailable and asked me to travel on different dates, which I refused and asked for a refund which they agreed to ( attached email confirmation ). But they never refunded the money. I contacted Citibank and disputed the charge. I provided all information indicating the vendor agreed to refund but never did so. After months of back and forth, I provided all the documents that Citibank asked me, and It seemed to me that I convinced them that I deserved a refund. But on XXXX, Citibank sent a letter ( attached here ) saying that " unable to obtain compensation from the merchant, your account has been rebilled. We now consider this investigation complete. '' I contacted Citibank again, and they could not give me any refund saying they were unable to contact the Vendor from where I purchased. My request to speak to their manager got denied, saying they could do nothing more. I feel that I deserved the refund, and {$840.00} is much money and our family vacation budget for this year. Would you please help me get a refund? Thank you! 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and noticed that this company is inaccurately reporting negative items. I submitted disputes over 60 days ago and haven't gotten a response or a solution to my problem! I have attached those letters for confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I am identity theft victim. I do not recognize these accounts. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/XXXX I received the fourth letter from Equifax claiming not to be able to locate a credit file for me and demanding my Social Security Information and my drivers license which I have now sent to them three times. I also sent them a copy of my credit report obtained on XX/XX/year> by visiting their office at XXXX XXXX XXXX XXXX. What is abundantly clear is that this stonewalling involves the XXXX, XXXX XXXX, whom I cc d in a letter to the company earlier in XXXX. As previously noted if a credit report is unavailable credit is denied by lenders, banks, credit unions, stores and apartment property managers. I am in the process of renting an apartment and this situation, manufactured out of whole cloth by Equifax will deny me housing. Equifax knows that I know how their business operates and the thousands if not millions of people who they defraud every year. Equifax is, as I have so often said is a social ill that needs to be reigned in by the Attorney General of Georgia and the federal government which is why I have sent a letter to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account on my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a recent data breach, and the account listed below was opened without my authorization. 
Account to Be Blocked and Deleted : 1. UNAUTHORIZED COLLECTION o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX 's Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 
Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting 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 things 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 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