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

I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX  Account Number : XXXX High Balance : {$420.00} Reason : I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX Account Number : XXXX High Balance : {$330.00} Reason : I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

INQUIRIES : TRANSUNION : XXXX  ON XX/XX/year> These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX , DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATIONXXXX XXXX
Product: Checking or savings account

TO WHO IT MAY CONCERN ... I did not have online banking with Wells Fargo Bank, what i had was a Direct Deposit account.Someone at Wells Fargo put me on Online banking without my knowing.On XXXX XXXX i went to check my e-mail, and was shock to see the amount of mail i got from Wells Fargo Bank.I ring XXXX XXXX XXXX XXXX to ask what was going on in my account. I explain to the lady who answer the phone that i did not order no payment to anyone.Please do not allow this payment to go through. She said its nothing she can do, its already gone out..She then started to give me a new acc #. She told me a virus is in my Computer, which is a lie, i check it out at XXXX XXXX. The money was transfer from my account at Wells Fargo to another account at Wells Fargo..Total amount transfer $ XXXX.I did talk to the Fraud dept, still waiting to hear back ... The only money that goes into my deposit account is a pension from the XXXX XXXX, i used to live and work there.Social Security from USA and a pension from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed a collection account on my credit and that it indicated the account was opened in XXXX of XXXX. It indicated the collection was for a balance due for car insurance via XXXX XXXX. I have been insured by XXXX insurance company since XXXX when I moved to XXXX. My previous insurance company was XXXX and before that I had XXXX. Therefore it is impossible for me to have opened any account with XXXX XXXX in XXXX. It has been well over 5+ years since I had insurance via XXXX XXXXl and when I canceled the insurance and went with a different carrier, there was no balance. I requested all credit reporting agencies remove this and that request was denied. This account balance, opened date, all incorrect.
Product: Debt collection

I called a month and a half ago and asked to plesse stop my automatic payments. I paid half the bill but I ran our of money. I said I would call to set payments back up in the future. I looked at my account and they took money anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. Both of these account must be removed off my consumer report immediately. XXXX XXXX XXXX XXXX Allegedly {$2500.00} high balance. Allegedly Balance owed {$1300.00}. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Commonwealth Financial Systems, for committing identity theft. I have never given Commonwealth Financial Systems, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Commonwealth Financial Systems and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of 8/11/22, I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems any right to collect on this alleged debt.

I have never received any documentation requesting validation from Commonwealth Financial Systems, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Commonwealth Financial Systems, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Commonwealth Financial Systems, continues its collection efforts, I will file for litigation for actual damages caused and Commonwealth Financial Systems, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to KIKOFF LENDING LLC for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX, 2023. Since then, the account date of first delinquency has been illegally being changed every month. This is an update on the payment history. A charged off account Should reflect the XXXX time the account went into a delinquent status. The date of the first XXXX pass due notice. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Equifax : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan online and was denied. I thought it was a mistake because I've always paid my bills on time. I spoke to someone at the lender 's customer service and he told me I had delinquent accounts. I was confused and went and pulled my credit report To my surprise I saw several things on my report that were not mine. Before reaching out to you all I contacted the police and got in contact with the FTC. I need these items deleted. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I began shopping around for a vehicle and I visited XXXX different dealerships. I visited XXXX  XXXX of XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I  have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.
Product: Checking or savings account

Citibank has a promotion that offers a {$300.00} cash bonus if certain conditions are met. One condition is to make at least a {$15000.00} deposit that is to be kept in a checking account for 60 consecutive days after the account is opened. Another condition is that within 30 days one qualifying Direct Deposit must post to the new checking account each month for two consecutive months after opening the new account. This last condition is difficult, if not impossible, to meet, especially if the so-called qualifying direct deposit originates at a government agency such as Social Security. Such an agency may require up to 60 days to make a direct deposit to an account. I have brought this matter to the attention of a bank 's customer service representative. That person stated that the bank may make an exception in such cases, but he could ensure me to give me this in writing. I am of the opinion that the bank 's management is aware of the inability of prospective clients to meet the time-restrictive Direct Deposit requirement. Some clients may not have read the fine print, opened an account with {$15000.00}, have a direct deposit post after the 30-day deadline and do not receive the {$300.00} cash bonus. Meantime the bank has the client 's money and earns a profit on it without compensating the client for the use of that person 's money. As far as I am concern this is a scam and an unethical business practice by Citibank.
Product: Bank account or service

I bought a bed in XXXX 2015 and used Synchronicity Bank to finance it. 
In XXXX I had not received anything in the way of a statement from thebank, so I called the mattress store nd they gave me my accountnumber at Synchronicity. I called Synchronicity and gave them mynew address. They told me they would mail the statement to me. 
Weeks passed, and still nothing.I call the mattress store and the manthere said not to worry, that there is a grace period. 
As of yesterday, I still receive nothing. I made a not to callSychronicity. Today, coincidently, they call me and inform me I have alate payment. I told the man I have asked already fo the bill and wasgetting ready to call them again. I paid the open amount XXXX {$440.00} XXXX viadebt card. I also gave my address AGAIN and requested that theysend me statements so I can pay this in a normal fashion. I asked thatthey remov the late charge because I had made a request for bill thatthey never sent.
Product: Student loan

I submitted a request for an income-based repayment plan on XX/XX/2016. On XX/XX/2016, I received a letter from FedLoan Servicing stating, " We reviewed your Income-Driven Repayment ( IDR ) plan form and denied your request for the following reasons. 
NOT ELIGIBLE YET : You provided conflicting information in Section XXXX on the form you submitted. The easiest way to reapply is online at StudentLoans.gov. If you prefer, complete and return the enclosed form with all required documents. '' I reviewed my application several times and could not find the " conflicting information '' referenced in the letter. Thus, I called FedLoan Servicing on XX/XX/XXXX to gain additional information about the reason ( s ) for my rejection. I was told that the customer service representative could not view my application since it was submitted electronically. In order for me to find out the reason for my denial, she would have to submit a request for an investigation, which would take 7-10 business days. After 10 business days passed, I called again to inquire about the reason ( s ) for my denial. Again, I was told that the customer service representative did not have that information. Another " expedited '' request for review submitted. More than 10 business days have passed since the second request, and I have yet to hear the reason for my denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX acct # - XXXX XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX acct XXXX - XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # - XXXX XXXX XXXX  acct # - XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct- XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Acct.- XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

On XX/XX/XXXX, I requested a Reinstatement Demand from my lender Fay Servicing so that I can reinstate my loan to avoid foreclosure. They stated it would take about 5-7 business days to receive the reinstatement in writing. Then I call back today only to be told the request never got put in and they will be putting it in today. This is really hurting me because I plan to take the funds out of my retirement and the only way they can release the funds is to have the reinstatement figures in writing. Now I am facing a foreclosure sale on XX/XX/XXXX and Fay is jeopardizing the loss of my home! They do not understand that this is all a process and I am doing my part.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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

a collection account was opened  XXXX   XXXX  amount {$66.00} the  XXXX  amount {$750.00} I did not know this was on my credit report until this year. I paid both of them in   XXXX  . I never got a phone call or anything thing in the mail saying it was an issue with the payments. or that it was not paid.
Product: Consumer Loan

I have received a letter from LTD attempting to collect a debt that is over 7 years old and past the statute of limitations thus violating the Fair Credit Reporting Act. The original Creditor was XXXX XXXX XXXX XXXX who I have successfully disputed from XXXX of the XXXX credit bureaus.
Product: Mortgage

Shellpoint Mortgage took over my original HELOC from XXXX XXXX during this they canceled all HELOC checks and other access to funds by letter on XX/XX/XXXX. It took 10 days of calling to get a live representative on the phone to discuss when funds would become available again. I was told on XX/XX/XXXX checks had been mailed and would arrive XXXX business from XX/XX/XXXX. They did not arrive on XX/XX/XXXX and I again spoke to multiple representatives not getting a definitive timeline for access to funds. The last answer given was that checks were actually mailed on XX/XX/XXXX and I should give XXXX business days from that date, I requested at this time that another set of checks be mailed. Spoke with a representative on XX/XX/XXXX when checks have not arrived was told that they have no process for tracking the mailing of these checks, I asked what the process was to cancel checks if they did not arrive, no answer was given. Spoke with representative on XX/XX/XXXX, this time I was told that the checks were mailed on XX/XX/XXXX and then changed saying that they were actually mailed on XX/XX/XXXX. We signed a contract agreeing that these funds would be accessible for a home renovation. We have never missed or been late on a payment but have been forced to deplete savings and max out credit cards in order to cover invoices for work that has already been completed because the HELOC funds have become unavailable.
Product: Debt collection

( US Collections West Inc ) his company did not provide me with notice of any debt being filed. 
I have not received anything in the mail and they are garnishing my wages or trying to collect a debt. If they knew where I work, they should have my address and could 've sent me something. 
I have requested multiple times for proof of this owed debt and have received nothing. 
I do not owe this debt. 
This debt does not appear on any credit report, except XXXX and I filed a dispute with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a file on my equifax I am trying to get resolved!!! I call them they are in XXXX and cant speak English!!  I filed a complaint with the XXXX XXXX XXXX and it was rejected!!! I want the old file removed its over 8 years its been on there XXXX!! I have never rented from XXXX XXXXXXXX XXXX!! Its fraudulent needs removed!!!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy. 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

There are late fees reporting on my report that I am not even aware of. I have made payments the company told me was due only for them to turn around and report it as late. Even after they had ample opportunity and reason to explain and tell me the actual balances due to prevent this from happening.