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

From XXXX, I made several disputes on my credit report to report accuracy and validate the debts on my report. There is an account with the name IQ Data International in the amount of {$3200.00} that is being reported incorrectly on my report. It states on my report that the date of last payment was XX/XX/XXXX and I never made a payment to them on this date. In addition, the date of first delinquency is in not in XXXX of XXXX. I have attached the statement and email conversation from the original creditor accounts receivables manager who stated that the account was already sent to the credit bureau but she was going to allow me to take care of the balance to have it removed. No payment was ever sent in by me. The last date of delinquency is XX/XX/XXXX and this is not reflected properly. This account should be removed and report correctly and will also expire from my report in XXXX not XXXX. I have sent a settlement offer to the creditor to settle this account, in which I have yet to get a response on, however this is being accurately reported on my all of my reports. This is a violation of my rights according to the FCRA, IQ DATA INTERNATIONAL and these 3 credit bureaus have violated these rights of mine as a consumer. I also never received anything showing validation after my initial dispute in XXXX with the credit bureau, I had to do lots of research on my end to locate this statement in my email inbox. No proof of contract or communication was sent to actually validate and ensure it was correct.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I am a natural person. This is me, the actual person submitting this dispute, not a third party. I am writing to formally request the immediate removal of an erroneous account reported by loan servicer Dept of EdXXXX , account number XXXX from my credit report. Despite my numerous attempts to resolve this issue over the past year through multiple disputes, Dept Ed ( XXXX ) has consistently failed to produce the original promissory note and instrument of indebtedness that validates this alleged debt. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and integrity of the information included in consumer reports. Specifically, under 15 U.S.C. 1681i, credit bureaus must reinvestigate the accuracy of the disputed information, and if the information can not be verified, it must be deleted. XXXX 's inability to provide the necessary documentation to substantiate this debt clearly indicates that this account is unverifiable and thus must be removed. The failure to provide a promissory note and original instrument of indebtedness also contravenes the provisions under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which mandates clear documentation and transparency of loan agreements. The absence of these critical documents raises substantial doubt about the legitimacy of the reported debt. Furthermore, the Federal Trade Commission ( FTC ) has repeatedly affirmed in various rulings that credit reporting agencies must delete unverifiable information. In the landmark case of XXXXXXXX XXXX. Experian, the court underscored the necessity of credit bureaus conducting a reasonable reinvestigation into disputed debts. The court ruled that failure to perform such an investigation or to correct inaccuracies constitutes a violation of the FCRA. This case sets a clear precedent for the requirement to remove unverifiable accounts, such as the one in question. Moreover, the case oXXXX XXXX XXXX Experian Information Solutions further emphasizes that consumers are entitled to accurate credit reporting and that credit reporting agencies must take action to correct or delete unverifiable information from their reports.
Product: Credit reporting or other personal consumer reports

I pulled up my credit report and history and discovered there are unauthorized fraud-related inquiries and accounts. I contacted the three credit bureaus, and some were able to help me remove the inquiries and accounts. However, I still need to fill out this form to properly report the issue. I need the unauthorized inquiries removed from my report.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian Business for their failure to remove outdated Uniform Commercial Code ( UCC ) filings from my business credit report, despite my having provided all necessary documentation proving that these filings should be removed. 
Summary of the Issue : Business Name : XXXXXXXX XXXX XXXXXXXX XXXX Filing Reference Numbers : XXXX I provided Experian Business with complete and accurate documentation on the dates listed below demonstrating that the UCC filings on my business credit report have been satisfied and should be removed. Despite this, these filings remain on my report, negatively affecting my business 's creditworthiness. 
XXXX XXXX XXXX case is closed : Please see email from XXXX for more information. 
XXXX XXXX XXXX is assigned to agent, in queue to be worked in order of date received. 
XXXX XXXX XXXX is received and logged, pending assignment to agent. 
XXXX XXXX XXXX case is closed : Please see email from XXXX for more XXXX XXXX XXXX XXXX case is closed : Please see email from XXXX for more information. 
XXXX XXXX XXXX is assigned to agent, in queue to be worked in order of date received. 
XXXX XXXX XXXX is received and logged, pending assignment to agent. 
Laws Violated and Maximum Compensation Sought : 1. Fair Credit Reporting Act ( FCRA ) - 15 USC 1681s-2 ( a ) : o Violation : Experian Business is required to maintain accurate and complete information on credit reports. Their failure to remove the outdated UCC filings after receiving my documentation violates this provision.

o Maximum Claim : {$1000.00} per violation ( e.g., per UCC filing that was not removed ).

2. Fair Credit Reporting Act ( FCRA ) - 15 USC 1681i ( a ) : o Violation : Experian Business is obligated to conduct a reasonable reinvestigation of disputed information within 30 days. Their failure to act on my dispute and correct the inaccuracies violates this section of the FCRA. 
o Maximum Claim : {$1000.00} per violation. 
XXXX. Uniform Commercial Code ( UCC ) - Article 9 : o Violation : Under Article 9, Experian Business must update or remove UCC filings once the debt is satisfied. Their continued reporting of these filings is a violation of UCC requirements.

o Maximum Claim : {$1000.00} per violation.

4. Unfair and Deceptive Acts and Practices ( UDAP ) Laws : o Violation : The continued presence of inaccurate UCC filings may also constitute an unfair or deceptive practice under state UDAP laws, causing harm to my business. 
o Maximum Claim : {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.
Product: Credit reporting or other personal consumer reports

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

Tried disputing items on my report because they are invalid and wont explain to me how they got to the amount. One of the accounts says XXXX  two times and the amount is outrageous. Plus an extremely high amount of inquiries. I believe my credit report needs to be validated and checked if they were given consent to report such items that are in fact inaccurate. when disputing items nothing was done.
Product: Bank account or service

I opened a XXXX svings/checking account and a line of credit with the Citizens Bank. I was told that there will be no maintenance fee if I had a direct deposit and keep the line of credit open. I always met both of these conditions of the bank. I had a less than {$20000.00} loan in my line of credit account and therefore paid {$50.00} annual fee separately for this reason. The Citizens Bank has charged me {$20.00} per month fee for 8 months. When I complained they reimbursed only {$60.00} for 3 months. However, this maintenance fee is totally bogus as I have always met the bank 's conditions. I have tried to speak with the bank a couple of times. Sent complain online but they do not care to resolve my issue and reimburse my remaining {$100.00}. This is an unscrupulous and deceiving practice of the bank to rip off customers like me and they are not willing to resolve it.
Product: Credit card or prepaid card

On XX/XX/2022, I paid off the full balance of my credit card. I knew I would have some accrued interest that would still need to be paid when my statement cycled. I logged back into the credit card website on XX/XX/2022 and there was an interest charge of {$21.00} and I submitted a payment to bring the account to a zero balance. Today, I receive an email with a new statement showing I have a new balance of {$2.00} and this is due to a " minimum interest '' charge. If I have paid the balance, went back and paid the interest posted, do I have more interest due? Not only that but a " minimum amount '' to pay. How does anyone ever get the credit card balance to zero and stop accruing interest? 

I looked at the website today and see that the statement cycle says XX/XX/2022 but that was not reflected on the website on XX/XX/XXXX when I paid off the balance. Instead of a minimum interest charge, how about automatically waiving an interest balance under {$2.00} so the account can finally get to zero? It cost more for me to call them to dispute the charge, which I did and received credit for, than if they had just done it in the first place. But I guess another way to look at it, is all the people who just pay it and move on and how much more money they just made because of that. What a very UNFAIR practice and way to do business.
Product: Credit reporting or other personal consumer reports

Multiple Data breach victim.

negatively affecting my credit on my credit report fraudulent data. I received nothing from this inquiry. Please delete asap! to the Fair Credit Reporting Act 15 USC 1681 section 602 a.

Per Section 609 of the Fair Credit Reporting Act ( FCRA )
Product: Debt collection

XXXX XXXX I was contacted by RFGI Collections stating that i owed XXXX dollars for rent when I lived with XXXXXXXX XXXX XXXX in XXXX Florida for the month of XX/XX/XXXX. I sent them bank statements XXXX  XXXX showing that I paid my rent on time and for the full amount. 

I called to follow up with them XX/XX/XXXX to see if that was sufficient enough and they said it doesnt matter you still owe the money even though I had paid my rent in full for a year on time and in full that i still owe this money.
Product: Mortgage

Loancare has been taking advantage of their clients who are going through natural disasters and tragedies by misleading them and bullying them into endorsing their insurance checks over to them, while they are left to live in deplorable conditions in there homes trying to repair and salvage them themselves. They verbally abuse you over the phone demanding receipts, forms, inspections, promising money that is never coming. My home flooded in XX/XX/year>, XXXX XXXX was complete by the time XXXX checks arrived, that is according to Loancare first inspection. I broke my leg during the flood. It took me till XXXX to complete the repairs for the final inspection on XX/XX/XXXX. I lived without a kitchen all that time. XXXX. Having XXXX XXXX a day, caused by there constant harassment that I had to prove I was using the insurance money to fix the house or they would take legal action against me. Money they had in their pockets. My husband served this country for 27 years, this home was his dream. He did not get to enjoy it and neither will I. Thousands of people are going through what Im going through with loan care. When is someone going to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  credit card today XX/XX/20 and I was not approved ; I was told that the reason why I wasn't approved is because there are accounts in negative standing on my credit report. I looked through every account on my credit report and I saw four accounts that I never opened. The accounts are from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. None of the accounts that were opened with those companies in my name belong to me. I do not have any written/verbal contract with those companies nor did I allow anyone to open those accounts on my behalf. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards those accounts. I have already reported these unauthorized accounts to the police department as well as with the Consumer Financial Protection Bureau.
Product: Checking or savings account

My sister and I are listed as POD ( payable on Death ) for my uncle 's checking account at PNC. My uncle passed away  XXXX   XXXX ,  2017 but  PNC has frozen the account and not released the funds to me or my sister. They have provided NO INFORMATION.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus XXXX, XXXX XXXX Transunion Subject : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX XXXX. Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX XXXX without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency.

I demand that you take the following actions immediately : 1. Cease and desist any further unauthorized disclosure of my nonpublic personal information.

2. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed.

3. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records.

4. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future.

Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights. 
I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have paid off promotions on my lowes account. I have faithfully paid my bill everyone on time. Each payment was {$100.00} per month. Except for one payment of {$30.00} which I was told that was the only amount due to pay off that promotion. Every payment after that went towards the remaining balance on the only balance left on a promotion. I was told that was the only one I had left. Each month I called to confirm that {$100.00} was going towards that balance. Each month they confirm it was and that would take more time to reflect on the balance statement. However that amount kept going up instead of down. Somewhere in the mix my money was going towards balances I was told were paid off. Because of this the intrest on each one was applied to my balance and the last promotion the money was never applied to that balance. Which was the only balance left. I called them every month and every month they are looking into it. Now it's affected my credit score. I requested they cancel that card. They assured me the issue was being fixed and to just allowing time. However within this time it's showing badly on my credit report. I am being contacted by them daily via email and telephone. My debt has been paid off before the due date. That balance is supposed to show {$0.00}. Due. Instead it is going up each month {$100.00} as I wait for their mistakes to be fixed. Everytime I speak to them they act like they have no idea what I'm talking about. Then they put me on a long hold to find the issue, then assure me it's being looked into and to wait. I have request they listen to every conversation made each month I called. I was being told one thing but what they were doing was so completely different. 
Please help me.
Product: Checking or savings account

On XX/XX/XXXX, Bank of America allowed someone to cash a {$3000.00} fraudulent check out of our checking account despite the following red flags : 1. Account Holder 's name on the check was incorrect. 
XXXX. Check number was way out of sequence with current check numbers. 
XXXX. Signature on check did not match Account Holder signature. 
XXXX. Check type was electronic which Account Holder has never issued an electronic check out of this account. 
XXXX. Check was written to a payee that Account Holder has never previously paid. 
XXXX. Account holder saw the check pending processing and told Bank of America it was fraudulent prior to the check processing being approved/completed. 
XXXX. Bank of America processed and paid out the funds to the fraudulent check on XX/XX/XXXX. 
XXXX. Bank of America had Account Holder file a claim and said they will return the funds upon determining the check was fraudulent. 
XXXX. As of XX/XX/XXXX, Bank of America, has not returned the funds to the Account Holder, despite the fact that the check should have never been cleared by Bank of American in the first place.