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

I am disputing an inaccurate late payment on my credit report for : Creditor : XXXX XXXX  Account Number : XXXX Date of Alleged Late Payment : XX/XX/year> Amount Paid : {$390.00} ( Paid in Full ) This account was fully paid on time, yet it is still reported as past due, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ), which requires accurate reporting. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), inaccurate information must be promptly deleted. 

Attached are supporting documents proving my payment. Please remove this error immediately and confirm in writing within 30 days, as required by law ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).
Product: Credit reporting or other personal consumer reports

Disputed accuracy for the following accounts, they were removed and put back into my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2100.00} and XXXX Never notified of results of investigations after disputes, and these accounts were falsely reported again on my credit.
Product: Credit reporting or other personal consumer reports

My credit report has inquiries Im not aware of from loan lenders
Product: Debt collection

I am writing to request validation of the debt you have contacted me about, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication dated [ insert date of the communication ], regarding an alleged debt. 

Please provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original contract or agreement that demonstrates my obligation to pay this debt.

4. A complete payment history of the debt, including any fees added. 
5. Proof that you are licensed to collect debts in my state ( if applicable ). 

Until I receive this information, I request that you cease all collection activities and refrain from reporting any negative information regarding this alleged debt to the credit bureaus. 

Please send your response to my address listed above. Thank you for your attention to this matter.
Product: Checking or savings account

A PNC account was opened in my name that I was completely unaware about until I received a letter in the mail stating that I owe money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX and XXXX XXXX We started a short sale on XX/XX/18. PNC is the 2nd TD. PNC is refusing to return any of our requests for a callback, will not give us status updates on the short sale, and we are currently at a standstill because they are claiming that the negotiator is unavailable and have NO idea when he will be back. They apparently are grossly understaffed, as they have no one working his files while he is gone. Neither the front-end nor management can tell us anything that is going on with this file and they have had this file for OVER SEVEN MONTHS. We have met all their demands and have no idea why they are still delaying the process. 

Again, this is a 2nd TD, and we are at the end of another round of 60 days worth of approvals from the 2nd TD. We just want someone at PNC to answer us. This dysfunction is an ongoing problem with PNC as a whole, to the point that it is obvious it is by design. It is done on purpose to obstruct their own clients ability to obtain a resolution to Retention Options. We just want a response from PNC.
Product: Checking or savings account

I was contacted by a person on XXXX around end of XX/XX/year> ( vacation rental website ). They wanted to host a graduation party at the house I rent out. After exchanging messages back and forth we came to an agreement of {$900.00} on XX/XX/XXXX. The agreement was they would XXXX me, since on the XXXX platform there would be additional taxes and fees on top of the {$900.00}. I was doing them a favor by accepting payment via XXXX. Well the graduation party came and went with no issues or complaints. Out of nowhere I was denied access to my ally banking app. I called and they said there was a charge back with XXXX and the fraud department was doing there investigation I was confused and taken back and they explained the person who sent me the {$900.00} claimed the charge back as not authorized I had all the proof to show that the person was lying because they had a party at the house.. I waited and waited and I got no updates on the matter. On XX/XX/XXXX still no access to my account I called and asked if I can send proof of the conversations between the other party and myself. The women I spoke to on the phone gave me the email to send the documents to. So I sent EVERYTHING showing clearly the charge back was a lie and the person was just trying to save themselves money after they Threw a party at the house for the graduation. I dont know what else kind of proof they would want because everything shows clearly what was stated, and what the agreement was. I offered to even send the home footage of them pulling up to the house. I did not receive any email updates in my account was still blocked from me accessing it. Then on XX/XX/XXXX I get a an email stating For your protection, we've suspended your XXXX and External Transfers profile. I was XXXX because what more proof do they need that shows everything clear as day!! Its like they didnt even open my email of the documents I provided to prove myself... I was literally over it, and I waited for my check to be sent to my house. Before I forget to mention, I have a job at XXXX and my Direct deposit payroll check was deposited into my account. Ally bank Seized my whole payroll check of {$900.00} to cover the XXXX! How does that make any sense if Ive sent every kind of proof to show clearly that the person was lying so you guys just refund the money back to them out of my payroll check? Its the beginning of the month and I cant even pay rent because my check was taken from me which is straight nonsense due to the fact that you guys were paying somebody back that used my house for their graduation party left and try to charge back. The person is a Scammer and I ended up getting my money from my payroll check taken that was to cover my rent this month. Still havent paid rent due to the fact ally bank wont give me my money and I been calling and calling with no answers but being told its pretty much closed case. I need my money for my rent this isnt right at all. Only if ally fraud department did. There job correct I wouldnt be In this situation period!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent out multiple dispute letters to the 3 bureaus ( XXXX, TransUnion, XXXX ) with very little success. 


XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JXXXX XXXX XXXX XXXX These are Unathorized and I want them off my credit. The bureaus continuouslly stall and its very annoying.
Product: Credit reporting, credit repair services, or other personal consumer reports

when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency. 

This is list of all the Hard inquiry. 
1. XXXX XXXX XXXXXXXX DATE : XXXX XXXX, XXXX 2. XXXX XXXX -- -- -- DATE XXXX XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XXXX XXXX 4.XXXX XXXX XXXX -- XXXX DATE XXXX XXXX, XXXX 5.PXXXX XXXX XXXX DATE XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER 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 XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX Balance : {$21.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

TD Banknorth holds my Home Equity Line of Credit account number XXXX. One month ago the sent a billing to me with a payment that is 4 times what the typical payment has been. This is a adjustable rate loan with an APR of 2.74 according to their online statements and paper statements. I have sent XXXX secured messages to them on the website asking for documentation as to how the payment increased 4 times. I have recently received a letter threatening foreclosure and they are charging me late fees and reporting my loan as delinquent. I have paid as agreed and have the documentation of such. I called today to speak with their collection department and the individual gave me a multitude of wrong answers. There are no changes in my statements that would reflect anything other than the terms I have had for 10 years. If they have made changes to my Home Equity loan terms there have been no compliance documents sent at all. They are not able to provide me with any reasons why the payment has changed 4 times. They are reporting me as delinquent and sending me letters regarding foreclosure and saving my home as I am current and have been at all times.
Product: Credit reporting or other personal consumer reports

DEAR XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/2024, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a remaining balance due to XXXX that was consolidated with a loan I had with XXXX sent to a collections agency I was contacted by this collections agency Trans Union, I paid XXXX to Trans Union to pay these Theo loans off. I spoke with XXXX XXXX at the company and they were to send documents to both loan holders that the loans are paid off. Only Illinois Student Loan Commission has remover the default from my credit and shows my payment paid. XXXX refuses to make any changes on my credit. And they still are trying to collect the same amount now from a different collection agency. This is ridiculous. My name is XXXX XXXX. My SS # is XXXX please help me clear this up with this loan causing problems with my credit scores I have paid this off and they refuse to allow me to pay off this loan. Yet will continue to report it delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DBA XXXX  reported a fraudulent account on my credit reports. i have never done business with this company i have reached out through regular us mail and certified mail with return receipt and still have not heard a response. 
This account the have is not mine and they are violating my consumer rights. 
i asked that they provide me with a contract that bears my actual signature, and a copy of the Identification used to open this alleged account. Since this is a loan i am sure they need all of these things to loan or lease anything. If any products or merchandise was sold i would like the shipping or mailing address where these items were sent.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiry from my credit report. I have been a victim of a data breach, and the listed items are not authorized by me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and permanently removed from my credit report. 
Fraudulent Accounts to Block and Delete : 1. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} 2. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$5300.00} 3. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} 4. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} 5. XXXX XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} 6. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$780.00} Fraudulent Inquiry to Block and Delete : 1. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate, duplicate, and unverifiable information that remains on my TransUnion credit report after a previous dispute on XX/XX/year>. Under 15 U.S.C.

1681i ( Fair Credit Reporting Act ) .Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.

1681c-2, I am requesting the immediate block and removal of these accounts from my credit file.

Fraudulent Account.FCRA 15 U.S.C. 1681i, which mandates the removal of unverifiable or inaccurate information. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, which prohibits fraudulent debt collection activities, the accounts listed below were improperly verified and must be removed immediately : XXXX. XXXX XXXX XXXX Account Number : [ Insert Full or Partial Account Number ] Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} Status : Closed - Derogatory Reported Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ Insert Full or Partial Account Number ] Reason for Dispute : XXXX. Failure to Provide Proper Verification I previously submitted a 609 letter requesting verification of these accounts. As required by 15 U.S.C. 1681g, TransUnion is obligated to provide complete documentation, including the original contract with my signature proving I agreed to the alleged debt. The response I received failed to provide this documentation, rendering the accounts unverified and therefore must be immediately deleted. 
XXXX. Duplicate Reporting Upon further review, I discovered that both accounts are derived from the same original creditor, XXXX XXXX XXXX XXXXXXXX, which constitutes duplicate reporting. Reporting the same debt twice is misleading, inaccurate, and violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy.

3. Violation of Consumer Rights By failing to provide adequate proof of verification and allowing duplicate entries to appear on my credit report, TransUnion is willfully non-compliant with federal consumer protection laws. 
I am demanding the immediate deletion of these inaccurate, unverified, and duplicate accounts from my credit file. Failure to comply with this request may result in further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies available under the FCRA. 
Please provide confirmation in writing once these accounts have been deleted.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Capitol One has been experiencing technical issues since the morning of Wednesday, XXXX XXXX but did not notify customers until XXXX Thursday XX/XX/year>. The email mentioned the problem would be fixed by Friday morning XXXX XXXX XXXX However, The problem still has yet to be resolved as it is now XXXX Friday XXXX XXXX and I still have yet to receive my deposit.
Product: Student loan

My student loan was in pay-off status through the Department of Defense and it has take over a year and still Navient, Inc has not applied missing payments. I provided Navient with proof of payment, however they have never contacted me and have failed to find these payments.
Product: Payday loan, title loan, or personal loan

Speedycash say that I owe them a loan back when I did n't get a loan from them. Now that 's on my credit report saying I owe them {$830.00}. When I do n't owe them nothing. And that 's messing up my credit score so I was trying to get them to remove it off my credit. Thank you!
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2024. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/2024 ) and on Equifax its ( XX/XX/2024 ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX ; Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding these unauthorized and fraudulent inquiries on my credit report ( XXXX XXXX XXXX XXXX XX/XX/, XXXX XX/XX/. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting

Collection agency south west credit systems has never received any payments by me. I called their customer service representative to ask for proof of payment by me to them and she told me I should have my own proof of payment. I have only ever made payments to XXXX never to any collection agency. They continue to refuse to remove it from my credit report.
Product: Consumer Loan

My Vehicle was Reposed Due to my Late payments and a Botched agreement with my Finance Company Santander. 
When the Vehicle was Reposed by a Contracted Truck Company that is when the Problem Occurred. I was Assaulted by the Truck Driver and Damage was Done to my Vehicle in the amount of $ XXXX {$8000.00} to the Side Passenger Side Door Panel ( Exterior ). 
Which resulted in the Police being Called by Me and a Police Report Filed and Charges being Brought up on the Truck Driver. The Company ( XXXX XXXX ) of Arizona. 
Police Report # XXXX From the XXXX, Arizona Police. 
This Incident Resulted in me Losing My Job ; Because the Incident took Place at my Employers Parking Lot. There is a No Tow Truck Zone Filed with the State of Arizona for My Previous Employer 's Parking Lot. So, The Tow Truck was there on the Property & Premises against A Written & Filed Order. 
On the 2nd Repo My vehicle was Damaged in the Interior Driver Side Arm Rest attached to the Driver Door as well as Theft of my Belongings. 
List of Belong 's : 1. XXXX ( XXXX ) 2. XXXX XXXX 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX 's 7. XXXX The situation with the License Plates Has caused me to be pulled over by the Police on XXXX Occasions and Ticketed on ( XXXX ) Occasion. 
Causing Issues to my Life and way of Living. Stated Below Pain & Suffering * School Work not being Completed ( Due to Stolen XXXX ) * Lack of Job Search & Employment Retention ( Due to Stolen XXXX ) * XXXX ( 2 ) Piece Special Order for a XXXX I 'm apart of & Paid to be a Member of ( Loss Wages ) {$400.00} XXXX @ XXXX XXXX Missed ; Due to XXXX. {$1200.00} Loss * XXXX having to be reordered thru the state of Minnesota {$10.00}
Product: Debt collection

I have been receiving calls non-stop from an unknown number without identifying themselves as a debt collector until today, XX/XX/22. The debt collection agency is called Alliant Capital Management. Each time they have called before today, they have not left voicemails identifying themselves and they have called multiple relatives to locate me without stating who they are or what company they are with. I was unaware if this was a scam and I am still unsure of what it is. Today, I also received a call at work. I believe this is harassment and abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX  XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2700.00}
Product: Credit card or prepaid card

Synchrony Financial/XXXX XXXX XXXX I have never made any late payments and paid card off within month of usage. Tonight I reviewed account to ensure no unauthorized charges had been made as I am a part of the XXXX Security Breach.. My account had been closed XXXX balance XXXX credit limit.. 
I called the company for an explanation and was advised an automated system pulled account and I was a possible risk.. 
I am filing this complaint to expose Synchrony Financials of their unfair credit practices. This act has created a drop in score and its punishing me for paying off and keeping credit line in tact.. Now this bank has dicided to close my account for being a good customer?? Im confused.. how can I be a Risk..
Product: Debt collection

In XXXX 2015 I was being over charged for data with XXXX XXXX account XXXX I changed service and went to XXXX who had unlimited data. I contacted XXXX in regards to a tablet that at store I was told I could cancel any time. I received what I thought was a final statement in XXXX and paid it. I heard nothing from them until XXXX 2015 when I got a bill for for {$500.00}. I was in total shock I contacted the office several times and no one could give me an answer. one representative told me the tablet had never been canceled and that was the fee. I said why did n't I get a bill she did n't know. Another said it was for the equipment fee for number ending XXXX. I ASKED WHY WAS N'T I CONTACTED BEFORE AND WHY NO BILL. SAD TO SAY I got no where. Then I said it all should have been stopped on XXXX XXXX. Now I get a collection letter from Convergent out sourcing say I owe XXXX and refuse to listen to me. I am willing to pay for the remaining balance on equipment on XXXX/XXXX/15 but not all these monthly fees when I canceled it all on XXXX/XXXX/15 can you please help.