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

After conducting a thorough review of my credit report, I found several items that are inaccurate and require immediate correction. As stated under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, under 15 U.S. Code 1681i ( 5 ), inaccurate or unverifiable information must be promptly deleted or modified.

I have identified multiple accounts and inquiries that are fraudulent and inaccurately reported on my credit file. Despite not authorizing or initiating these inquiries or accounts, they are appearing on my credit report and are negatively impacting my credit profile. Below is a detailed list of the accounts that require removal. 
Accounts to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX date : XX/XX/XXXX / Removal date : XX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXX date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX / Removal date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX / Removal date : XX/XX/XXXX Resolution Requested : Please investigate and promptly remove these fraudulent items from my credit report. These accounts are inaccurately reported, and their presence violates federal law as outlined in the Fair Credit Reporting Act ( FCRA ). Kindly provide written confirmation once these items have been removed, and ensure my file is updated accordingly. 
Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Capital One account open date is XX/XX/XXXX I disputed this account on XXXX. 
I have sent proof of letter of XXXX  thats signed by me thats notarize. I also provided a government ID showing that I am XXXX, I have been XXXX  since XX/XX/XXXX and not released until XX/XX/XXXX. They refused to remove account. 
Please remove account.
Product: Mortgage

we are trying for a couple of months now to get PHH Mortgage to pay our outstanding taxes, from out escrow account, due to their poor communication, its still not resolved, today we found critical information that can help but no response from them. 

XXXX We did our research with " XXXX  '' it turns out that " PHH Mortgage '' did provide wrong property address to XXXX for Tax records assistance, The address where your below tax payments was going to " XXXX XXXX XXXX  XXXX XXXX, NY XXXX '', instead to my property address is " XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX '', XXXX We will file a complaint TODAY with the CFPB for this error
Product: Credit reporting or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within XXXX days.
Product: Credit card

I moved to another state ; attempted to change address multiple times with Citi. I had not received a statement from Citi in over a year. I called multiple times to change my address. I could not reach a human being until I called on XXXX/XXXX/2016. I was told by this person, my payment due had increased and I was now over my credit limit ( mind you I used the card one time for a promotional purpose when I opened this account ). Citi had charged multiple fees and penalties onto my account and had NEVER notified me of an issue. Upon calling in and finally getting a person to speak with ; Citi has refused to do anything other offer to waive XXXX interest charge and XXXX penalty fee. 

I believe Citi to be acting in a malicious manner towards consumers. Creating a maddening voice response system to cause confusion and near inability to speak with a live person, not promptly updating address records, and not contacting the consumer when there is an issue with the consumers account. Thus resulting in more ad more fees being added to the consumers account.
Product: Debt collection

I have paid my debt and other debts were the result of identity theft
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the three major reporting agencies- XXXX, XXXX, and XXXX. The Fair Credit Reporting Act ( 15 USC 1681 ) explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with SYNCB/AMZNSC. XXXXXXXX reports the account as being opened on XX/XX/2022, while XXXX and XXXX report different open dates- XX/XX/2022. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Furthermore, XXXX and XXXX report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for willful and negligent noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies. The continued reporting of inaccurate information despite my dispute suggests willful noncompliance ( 15 USC 1681n ) and/or negligent noncompliance ( 15 USC 1681o ).

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. Reporting inaccurate information without my consent infringes upon my privacy rights, and these regulations mandate the protection and accuracy of such information. 

It is also noteworthy that while XXXX and XXXX report this account with a high credit limit of {$250.00}, XXXX inaccurately reports the credit limit as {$300.00}. This disparity in reporting further emphasizes the urgent need for correction.
Product: Checking or savings account

My compliant falls under a different category. I deposited a XXXX Treasury check into my checking account on XX/XX/2021 with XXXX Bank. They have held these funds for over XXXX days and are still holding them as of today. I thought banks could only hold government issued checks for XXXX day. Please advise.
Product: Vehicle loan or lease

I filed bankruptcy and this vehicle was included but the company is still showing the account open on credit report but no balance owed but I got a letter that show I still owe XXXX the account is closed also on my credit report so it should not still be showing open also the company did get the car back as I surrendered it back to the prestige financial
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit card or prepaid card

Comenity Bank charged interest on my fully paid account notwithstanding their credit card statement specifical states, " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' Noted on the attached 5 pages ( pages 1 - 3 are from the XXXX XXXX statement and pages 4 - 5 are from the XXXX XXXX statement ) are numbers 1 through 5, designating the following : 1. The new balance in the XXXX statement was {$2000.00}. 
2. The due date on this balance was XX/XX/XXXX. 
3. The reverse side of the statement reads, " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' 4. The balance owing of {$2000.00} was paid on XX/XX/XXXX which is inside the XXXX/XXXX/XXXX due date. 
5. Yet, Comenity charged {$21.00} interest.

On a phone call to Comenity at the number on the statement, I spoke with XXXX. She advised that once there is a late payment, " you are in the interest loop '' and you can never catch up unless you don't use your card for two months. '' I asked XXXX if paid my XXXX statement balance of {$130.00} today ( XX/XX/XXXX ) even though it is not due until XX/XX/XXXX if I could get out of the " interest loop '' and she repeated that I'm " stuck '' and can only get out with two months non-use and that Comenity also would charge me interest on my purchases after the XXXX statement was sent even if I paid my " entire balance by the due date. '' Of note, the " late '' payment Comenity claims was late, was not -- - the due date in XXXX was XXXX and the payment was mailed to Comenity on XXXX, yet Comenity delayed posting until XXXX so they could charge me a {$35.00} late fee and put me into their " interest loop. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to experian twice requesting that they change the status of my XXXX XXXX  account due to the fact that I received a loan payment extension for the two months that show past due which are XX/XX/XXXX and XX/XX/XXXX. I received a dispute update on XX/XX/XXXX that showed that experian did not contact XXXX to verify the information and the status of the account. I also contacted XXXX about the issue and was told to dispute the information with credit bureau. I submitted the proof of payment extension to experian for them to update my account but they refuse to do it. 

All I want is for the XXXX XXXX  account to be updated to show that there are no late payments and the account is current as of now.
Product: Debt collection

This company by the name of Resurgent Debt Collector keep on calling me and leaving text messages and voice messages on my cell phone : I am not sure who this company is and what debt that they are trying to collect from me. The text message states : XXXX we've been trying to reach you. Call us at XXXX or visit XXXX. The voicemail messages states : This is Resurgent Capital Servies a debt collection company. We want to touch base again regarding your account with that we have not received payment from you, and we understand that life can be busy. We are here to help you find a solution that works for you. Please contact our customer care team at ( XXXX ) XXXX or visit XXXXresurgent.comXXXX. We would love the opportunity to help you try to find financial freedom and hope to hear from you soon. This is an attempt to collect a debt and any information obtained will be used for that purpose. I do not have any business with this company. In email stated from the name of XXXX that Resurgent bought an old debt from XXXXXXXX XXXX XXXX  and then the company bought the debt from LVNV Funding LLC. XXXX. Also, I have received overwhelming collections letter almost every week from that owe them money in the amount of {$980.00}. It has been a threat to report on my all three of my credit reports, a lawsuit and to have me served at my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Unverified Accounts I recently filed a complaint on Experian and their response was : The are in the process of contacting the data furnisher ( s ) and/or public record vendor ( s ) as needed to verify the accuracy of the information with which I disagree. 
They also advised to contact the creditor directly at the addresses provided on my personal credit report They also sited that : According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the source of the disputed information and informing them of all relevant information regarding the consumers dispute My complaint was to simply to inform them that after reviewing it I found a number of items on the report that are Unverified. I asked that they send me copies of the documents that they have in their files as of this date that they used to verify the accuracy of the accounts. 

Under the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit file. I need copies the documents that they should have readily available in their files that were used to verify the accounts. If they do not have any documentation in their files to verify the accuracy of these disputed accounts to please delete the immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By  publishing these inaccuracies and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 

Under the FCRA 15U.S.C 1681i, all unverified accounts must be promptly deleted! Therefore, if they are unable to provide me with a copy of the verifiable proof that they have on file as required by law for each the negative accounts listed on my credit file then you must remove these accounts from my credit report. They should not have to obtain information from any other agency as they should have these documents on file as they have told me on many occasions that the accounts they are reporting are verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a bankruptcy on my credit report stating that the data furnisher being the US Eastern Michigan Bankruptcy court, which is false. I have attached a letter from the US Bankruptcy Court verifying and stating that they do not furnish information over to the credit bureaus or to any credit monitoring service nor do they verify and validate any information concerning bankruptcies. Lexis Nexis is falsely stating this information and disclosing this information to XXXX, XXXX, and XXXX, which they yet to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion numerous times via telephone and mail about the inaccuracies on my credit report. I have been ignored and no changes have been made. I thought that the credit reporting agencies needed my written permission to furnish anything on my credit report according to 15 US Code 1681b ( a ) ( 2 )? I have attached letters below with the items I want removed and corrected ; my next course of action will be a {$15000.00} civil suit in my local county small claims court ( 15 US Code 1692k ) if the items are not corrected and removed
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, Experian.
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX  FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX  XXXX XXXX  for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX  that would justify this inquiry. 

This unauthorized credit pull has negatively affected my credit score and caused undue stress. As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 

Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX  to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely
Product: Credit card

On XX/XX/XXXX, a hard inquiry from XXXX appeared on my XXXX credit report.
Product: Credit card

I received a late fee and interest charge on my XXXX 2015 statement and then subsequent interest on my XXXX and XXXX statement. I sent in a message about the XXXX fees just after the statement was cut and the request for a refund was denied. I then called on XXXX and described that I was having trouble with my account because I stopped receiving statements and the rep looked into the problem and stated that I was supposed to be getting emailed statement notifications but that a rejection email was sent back from my email address in XXXX. Due to this inconvenience and the length of my account he stated he would waive the fee and interest. If that would have been waived I would not have received interest in the XXXX subsequent months. 

I have spent many hours on this issue between phone calls, messages, and an hour and 1/2 chat session tonight with another rep.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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

On XXXX XXXX, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EQUIFAX, XXXX XXXXOpened XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXXClosed on XX/XX/XXXX, BLOCKED AND DELETE THESE INQUIRIESXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a derogatory mark was added on my credit report per XXXX XXXX from RMP SRVC LLC and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

I contacted RMP SRVC LLC on XXXX XXXX and the account was not removed however it was only updated.
Product: Debt collection

I have never had account with Midland Credit Management according to the law, i ask for proof, that I hada account directly with them to put on my credit report, this information is inaccurate, you stated you was able to verify but where is the proof???? How is this possible??? Under the laws of the FDCPA, I have contacted the agency and have been unable for them to have physical proof that this is indeed my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX and XXXX  XXXX Has reported false information under my report. Account has been paid in full and I was never ever late.