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

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

ACCT NAME : XXXX XXXX SER ACCT XXXX : XXXX XXXX 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 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.
Product: Credit reporting or other personal consumer reports

I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with Experian creditor not entitled to report debt not owed and included in bankruptcy ; yet, company constantly refused to adhere to Fair Credit Reporting Act by deleting and illegally monitoring social security number, allow creditor reaging debt 18 years ago which was dealt with in bankrupt in addition to continues to delete and/or refuse to allow personal statement & manipulating personal credit report since bankruptcy case successfully closed in 2012
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID theft and submitted a police report, FTC affidavit and ID theft complaint and other documentation to prove that the information being reported on my report was false and due to someone using my identity but they refused to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account ( XXXX XXXX XXXX ) on my Experian credit report showing inaccurate information. I disputed the information several time but experian fails to properly investigate and verify the account. I disputed the same account with XXXX and they delete the account because the company XXXX XXXX XXXX failed to validate the allege debt. I am asking EXPERIAN to follow suit and do the same and delete the account. Attached is a copy of the deleted result from XXXX.
Product: Credit reporting or other personal consumer reports

I did not give written permission to have the following accounts furnished on my credit report ( 15 USC 1681A2 ). 

XXXXXXXX XXXX  - XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX {$9700.00} {$0.00} XXXX XXXX XXXX  XXXX XX/XX/2023
Product: Debt collection

Received one missed call with a voice mail from XXXX XXXX XXXX and then received a document in the mail claiming I owe them. I monitor my credit report and do not see the account in mention listed
Product: Credit reporting or other personal consumer reports

I know I make my payments on time, so its confusing why this company is marking me late. Per USC 1666b, billing errors need to be corrected, and my account should reflect " paid as agreed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I became locked out of my equifax XXXX  and phone app. Whenever I go thru the password reset it tells me to call and I get phone representatives who are unable to unlock the website. I opened several different disputes by phone on several different occassions since and have not been able to log into the site or app to date. Its been almost 2 years now and I would like a status update on all the disputes I have opened with them to date by phone. Please send me a physical printed and mailed paper copy to my address on file. I have requested this many times and the phone reps refuse to send it or unlock the app. Thus causing me to not be able to remove the fraudalent reporting in dispute. Please assist. XXXX stuff happens in XXXX Florida. Please help.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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. 
Please remove these inaccurate accounts and unauthorized inquiries stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get Equifax to fix the error on their end that is preventing creditors for being able to pull my credit. Im an trying to apply for a mortgage loan and the lender is unable to get access to my Equifax report. We have both contacted Equifax and confirmed there is no freezes or fraud blocks on my account but it is unable to be pulled.
Product: Debt collection

Southwest collection services is initially requested XXXX on XX/XX/XXXX Account number XXXX I returned device for final download on XXXX XXXX Which I was credited back my total amount to low cost interlock Creditor number XXXX Has been settled and on XX/XX/XXXX XX/XX/XXXX I contacted Southwest collection. And they are trying to collect XXXX Since said call they have been adding or adjusting the amount. I have disputed Im contacting you next I will go to Federal trade commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I went to a car dealership in XXXX, XXXX. to purchase a vehicle, I was unaware that after me being declined with the first bank, That this dealership would continue to shop my credit around to other lenders without my knowledge and after I had long left their place of business .The result of the auto dealer practices have caused a unnecessary burden on my personal finances and my business finances, I walked into the dealership with a XXXX credit score and awoke the XXXX XXXX to a XXXX credit score.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records

maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of su
ch reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$300.00} {$5000.00} {$40.00} {$100.00} I don't know the dates..
Product: Checking or savings account

An unknown, unrelated, XXXX XXXX account appeared on my online list of Truist accounts. I immediately reported it to the bank 's fraud phone line but they could not explain it or fix it or change my account numbers. I called the XXXX XXXX XXXX whose mystery account showed up on my online list, but they could not explain it or fix it. I reported this fraudulent activity in person to a Truist bank officer, who issued me new checking & savings account numbers & ordered a new credit card. She ordered replacement checks with the new account number with assurance that the charge would be credited via the customer help line. She said she could not waive the charge herself as she had been able to before the bank became Truist. Eventually {$32.00} was charged for replacement checks that were required due to the reported fraudulent activity, which the bank officer promised would be refunded by Customer Care. When the charge appeared I called Truist customer care, but the phone representative would not issue a credit & would not escalate my call. The reported fraudulent activity is STILL present online & uncorrected. Also, with the change in account numbers, I lost online access to all of my previous years of statements ( under the previous account numbers ) -- the information is now missing, it was not transferred or carried over to the new account numbers. This caused an outstanding check to be returned with a insufficient funds fee of {$34.00} that I repaid the payee. The credit card stopped sending statements & alerts & for a time I lost access to old & new accounts, resulting in a late fee I only discovered when I got a robo phone call ; once online, I also noticed a {$38.00} discrepancy in charges. I sent them a separate complaint with prepaid return receipts costing {$18.00} that they did not send back. They refunded the late fee but not did not send a reply or address the discrepancy. In XX/XX/2022 I sent a new complaint to Truist ( 6 pp letter plus 18 pp of attachments ) & have not received a reply, acknowledgment, correction, refund, or apology.
Product: Credit reporting or other personal consumer reports

" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''
Product: Student loan

I received a XXXX XXXX XXXX award which helps to pay a large portion of my XXXX XXXX. In Fall of XXXX, the XXXX XXXX made a payment of {$3700.00} on XX/XX/XXXX which did not reach my account. The XXXX financial team made their investigation and found that the check payment to =Discover was offset by the XXXX XXXX to Discover 's outstanding tax garnishment. The actual payment amount received on my account after the offset was {$24.00}. After XXXX  months of back and forth, Discover eventually credited my account retroactively. The same thing happened again in XXXX of this year. The XXXX made a payment of {$3700.00} on XX/XX/XXXX which has not been credited to my account. Despite many requests from me to start an investigation on their end, they keep all of the ownership for data collection on me. For example, they refuse to contact Treasury to confirm the information on their end and have me obtain the check information, account number, routing number and date of payment from the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused report me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$200.00}
Product: Checking or savings account

I opened a new Truist Simple Business Checking account using promo code XXXX. The code was successfully applied and can be found at offers.truist.com. The promotion terms say : " 1. Make {$1500.00} or more in qualifying deposits into the new business checking account within 30 days of account opening. 2. Enroll and Sign In to Truist Online Banking for Business within 30 days of account opening. '' offers.truist.com shows that I have completed requirement 1 successfully ( see the attached screenshot ). For requirement 2, I have enrolled and signed in to Truist Online Banking for Business on XX/XX/2023, the date on which I opened the Truist Simple Business Checking account at the branch. Please see the attached screenshot from my Truist business checking account showing the online login I have done since account opening. However, there seems to be a systemic error at Truist that did not acknowledge that I had fully fulfilled requirement 2. Hence, Truist did not send me the promotion bonus. Would you please investigate and resolve this issue? Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 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. I feel like I'm being taken advantage of and being ignored of my disputes.
Product: Checking or savings account

I am making deposits into my account and they are being declined I have updated phone number from the ally mobile app, from XXXX to XXXX They are not allowing me to withdraw my money to my account I submitted a scanned copy of SSN and driving license they are asking me where tenants before me and after me are currently staying, how would I know I am having access to my registered mobile number I can go in person or video call but I need to have access to my funds
Product: Credit reporting or other personal consumer reports

I called Experian on XX/XX/year> and advised they have the wrong address on file for me. I was told that my address was verified as correct by XXXX and if I wanted to change my address, I would need to provide a license and a bill with my current address. I sent the requested information, and it was delivered to them on XX/XX/XXXX, but my information still hasn't been changed. I tried calling 4 to 5 times today, but their automated system wouldn't allow me to speak with anyone. It kept trying to get me to sign up for their monitoring service and when I wouldn't it would just direct me to their website and hang up. I guess they don't want their reps speaking with anyone. I look at my account on the Experian website and it shows the correct address but when I go to print it out it shows a po box . Frustrating! What is being provided to creditors???
Product: Credit reporting or other personal consumer reports

While reviewing my credit report recently, I noticed discrepancies in the reporting of an account. Surprisingly, one payment was marked as late on an account that I diligently paid on time. It's imperative that consumer reporting agencies maintain accurate records. I can affirm that this account has consistently been punctual with payments. Enclosed is a copy of my report with the date in question : XXXX XXXX XXXX  XXXX XXXX XX/XX/24 - Inaccurate late payment Date I respectfully request your immediate investigation into this matter and urge for the prompt correction of these inaccuracies. This payment was paid on time and should be updated to reflect as such - paid on time/never late. Your attention to this issue is greatly appreciated.
Product: Debt collection

Nationstar has continually proffered incorrect and changing amounts as relates to interest due and interest rates and effective dates for interest rates associated with my former mortgage with SERVICER Nationstar. Even though I have requested that Nationstar address these issues, Nationstar has failed to adequately, reasonably and truthfully provide simplistic answers, in both written statements and mathematical statements. Nationstar has mistakenly or fraudulently sent billing statements to me showing totally incorrect interest amounts owed. These interest rate and interest amount errors have contributed to Nationstar providing me with an incorrect XXXX for the year of 2016, that Nationstar is unable to explain by the use of relevant mathematical equations.

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Even though Nationstar was only the SERVICER for XXXX XXXX Trustee, Nationstar has refused to supply me with any written statement that Nationstar no longer has any financial interest in my former property, even though I have a XXXX $ $ mortgage balance with Nationstar.

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Nationstar has fraudulently refused to refund to me the {$1400.00} in my favor returned insurance premium refund, that Nationstar deposited to my XXXX $ $ balance escrow account with Nationstar and showed in their Nationstar report listing that the {$1400.00} was owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$220.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX