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

I have send this credit bureau several letters and filed over several complaints that has been ignored over and again for several inquiries that are showing on my credit file that they maintain under my social security number. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 
1. XXXX XXXX- XX/XX/XXXX 2. XXXX-XX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX-XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused.
Product: Credit reporting

There is a collection showing on my account from XXXX from XXXX. This seems to be new and did not appear on several credit reports that I pulled between XX/XX/XXXX. I believe this to be an error.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please update this account to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

A {$30000.00} car loan was taken out in my name by a woman in CA. I have lived my entire life in MO, a fact that is easily verified on my credit report. The lein holder, Exeter Finance requires that I submit a copy of my driver 's license and social security card ( among other documents ) to po box . This allows no delivery confirmation or certified mail. I've been trying for 2 years to get this resolved. There is no contact information for their fraud department, and no way to hand deliver documents.
Product: Credit reporting or other personal consumer reports

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY NOT REPORTING CORRECTLY XXXX  HAS XXXXXXXX XXXX XXXX THIS ACCOUNT DOES NOT HAVE UPDATE IN COMMENT SECTION & PAYMENT STATUS DOES NOT HAVE 120 DAYS IN THIS SECTION THERES NO REPORTING MONTHS FOR XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX AND IF I PAID ON XX/XX/XXXX I SHOULD HAVE A OK ON THAT PAY MONTH BUT I DONT. THIS ACCOUNT NOT REPORTING CORRECTLY PAYMENT HISTORY INCORRECT IN STATUTE OF LIMITATIONS. THERES NO NOTICE OF DISPUTE IT SAYS CLOSED I CIRCLED EVERYTHING IM TALKING ABOUT IN PDF XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is reporting inaccurate on XXXX XXXX 90 days & XXXX  HAS 60 days. last reported dates are wrong & different last payment XXXX  HAS XX/XX/XXXX & XXXX HAS XXXX XXXX XXXX XXXX XXXX DATE CLOSED SECTION THE ACCOUNT SAYS MAXIMUM DELINQUENCY 90 DAYS IN XX/XX/XXXXXXXX  THIS ACCOUNT DOES NOT HAVE REPORTING DATE OF XX/XX/XXXX THIS ACCOUNT SHOULD HAVE LATES IN IN THE PAYMENT HISTORY BUT DOES NOT THAT INACCURATE INFORMATION REPORTING ON MY REPORT HURTING ME. Im sorry but this account inactive delete this account for frca rights THIS ACCOUNT IS REPORTING 90 days FOR TU LATE BUT NO LATES IN PAYMENT HISTORY NEED REMOVED DUE TO INACCURATE INFORMATION DUE TO CONSUMER RIGHTS inaccurate whole account. THERES NO COMMENT FOR NOTICE OF DISPUTE ITS SAUS CLOSED. EVERYTHING I CIRCLED IN THE PDF FOR PROOF Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX  CAPITAL ONE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the inaccurate and incomplete information that is currently being reported on my credit report. Despite my repeated attempts to contact you and resolve this issue, I have seen no progress in correcting the errors. 
As a consumer, I have the right to accurate and complete information on my credit report, as stated in the Fair Credit Reporting Act ( FCRA ) XXXX. Congressional findings and statement of purpose ( b ). Therefore, I am demanding that you immediately delete and remove the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have carefully reviewed my report and have determined that these accounts are not accurate representations of my credit history. I have made numerous attempts to contact you and provide documentation to support my claims, yet the errors remain on my report. 
I urge you to take immediate action to correct these inaccuracies and provide me with a corrected credit report. Failure to do so will only continue to hinder my ability to obtain employment and provide for my family 's needs. 
Please provide me with proof that the accounts in question are accurate and true, as required by the FCRA. If you can not provide such proof, I demand that you immediately remove and delete these accounts from my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to XXXX XXXX  directly in regards to my account showing that I still had a balance with them on my credit report. They sent me over a letter stating that I no longer had a balance with them because the account was paid in full. 


I also sent over a copy of the same letter over to everyone all the credit beaus and creditors asking to have the item removed from credit report. And it has not been removed from my credit report.
Product: Credit card or prepaid card

We called USbank to inquire about the interest that accrued on the account. We thought we calculated the correct amount to pay for any purchases that would accrue interest. We received the statement which showed that even though we paid over the amount of our purchase that month, we were still charged for interest. We only have 0 % bonus transfers besides the purchases. The supervisor ( XXXX  ) was not able to articulate where the interest accrued or off what balance. He said that only of we paid off the entire balance that we would not be charged this interest. I feel if USBank can not provide a payment history or how the interest was calculated, then this is a deceptive practice. When we saw this the prior month, the interest charge was removed after speaking to USBank. We would like to understand how to avoid interest charges on our purchases.
Product: Debt collection

yesterday, I called the professional adjustment corp to be presented to the owner named XXXX. I sent a letter asking for verification for this alleged debt, I was sent procedure codes, pretty much my medical history on four accounts that at the time I had no knowledge of. I called the original creditor to speak with a representative on the phone for an hour explaining to her that I never gave permission for a debt collector to have this information as this contains sensitive information regarding hippa. to even get my own information from the records department, I must pay for it, but it scares me to no end how this collection agency could have my medical information. fast forward I called this XXXX on XXXX-XXXX-2017 explaining to her that she had violated hippa enforcing the laws of the fcra for consumers, she immediately got very defensive as she started yelling over the phone and to tell me do what I need to do. since phone calls are monitored and recorded, I kept this on record because as a consumer I do n't need anyone talking to me with such disrespect. I am a grown man and will and shall tolerate it. she slammed the phone in my face afterwards and hung up on me. she has knowingly violated the law. I do not acknowledge the debt because I never signed a contract with this agency. She also called me a liar over the phone an accused me of not speaking to the original creditor which I did as soon as I received her letters. I was on the phone with the original creditor when she too hung up in my face. funny how you expect us to follow the laws but here you are breaking them in multiple ways which by the way of violating my rights. XXXX is very disrespectful and have no regards to the law. I will not back down from this and I demand all trade lines to be removed from my credit profile, you are slandering my reputation. again, I have never gave this agency permission to access my medical information. I have no contract with the professional adjustment corp and there is no bill that states I have a contract with the professional adjustment corp. they did n't provide any service that I signed for. I will also let all three credit bureaus know that this agency has taken my information without my consent which also constitutes a fraud. you have access to my medical records without my consent, two you are accessing my credit profile without my consent, three you have opened 4 accounts which your agency has failed to sent me a letter about this alleged debt. I want this off my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX, have tried to contact XXXX XXXX XXXX XXXX about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I XXXX but they refuse to accept. XXXX will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.
Product: Debt collection

I am a XXXX subscriber for both cell phones and FiOS, and have been for some years. XX/XX/XXXX, I planned to initiate XXXX XXXX XXXX in XXXX only to receive military orders to XXXX in XXXX. I explained that I had received military orders and that I had to cancel my planned XXXX XXXX installation through XXXX Customer Service, which properly processed the cancelation according to federal law, specifically the Soldiers and Sailors Relief Act of XX/XX/XXXX as amended. I was assured that the cancellation was successful and that I owed nothing. In fact, I never received any XXXX equipment, nor did I ever initiate service, nor did I ever have an installation performed, nor did I ever lease the apartment I had anticipated having XXXX XXXX because of the military orders I received. All was well. Upon arriving in XXXX, I contacted XXXX XXXX to contract for service, schedule installation, and open an account. That installation and contract proceeded very well and I had no complaints or issues. However, by XX/XX/XXXX, XXXX began billing me for the amount of {$1200.00} falsely alleging that I had not canceled service and falsely claiming I had received equipment that I did not in fact ever receive. I spent many hours on the phone with XXXX, especially after XXXX improperly reported me to the credit bureaus as having been delinquent in my payments. In fact, I had a XXXX account, and my payments were current, and the account in XXXX had never been opened and was canceled properly under XXXX and federal law. I even sent a copy of my orders to XXXX, which apologized profusely XX/XX/XXXX and removed the account from my credit report and ceased improperly billing me. I have had no issues for nearly a year. In XX/XX/XXXX, I received orders to return to XXXX, and I transfered my XXXX XXXX account and all my XXXX equipment with me. I am a current XXXX customer in good standing. This bill that I am being presented by Southwest Credit is in error, and XXXX knows very well that I do not owe and that this account was never opened. If XXXX sold this account to Southwest Credit, XXXX did so in violation of its own policies, in violation of XXXX law, in violation of the Fair Credit Practices Act, and in violation of the Soldiers and Sailors Relief Act. This is an illegitimate bill and Southwest Credit is engaged in debt collection fraud in attempting to collect on an amount I do not owe. This is outrageous and Southwest Credit continues to call me despite being told to desist and that I do not owe anything. I want Southwest Credit to desist from attempting to collect this fraudulent debt, and I want Southwest Credit prevented from attempting to extort me by reporting this illegitimate debt to credit bureaus. XXXX has a terrible reputation for engaging in such business practices, as does Southwest Credit, and I want both companies to be admonished and to cease attempting to collect this illegitimate debt.
Product: Money transfer, virtual currency, or money service

Telephone call from someone pretending to be from Bank of America Fraud department. Advised of a fraudulent charge which had been posted to my account. Convinced me that I had to immediately process a XXXX transaction to prevent the money being lost. XXXX transaction to a phone number that had been reconfigured to look like my own. XXXX. 

Bank of America claims that the money was transferred at my own free will. XXXX has no protection whatsoever even though both know the party that initiated the transfer. I believe XXXX XXXX should provide coverage and ensure full reimbursement.
Product: Debt collection

On XX/XX/17 I sent a letter certified mail # ( XXXX ) for Validation of debt. 
I requested that Cooling and Winter all from below. 

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Winter and Cooling have not complied to this request in its entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information off my credit report. I ask that these fraudulent charges be removed from my credit file as soon as possible. I have already contacted the Federal Trade Commission 's Identity Theft Affidavit so that these charges can be removed from my file because it is hindering me.
Product: Credit reporting or other personal consumer reports

I have 10 unauthorized hard inquires on my XXXX credit report, these inquires are fraudulent and do not belong on my report. 

Prestige finXXXX XXXX XXXX XXXX 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
Product: Debt collection

I have sent letters requesting proof of my original application with my signature since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the company XXXX XXXX XXXX which has not been done, I have by law all the right to receive a copy of the original application where my signature appears, the obligation of them is to send them in case they fail to send them I demand eliminate that account from the credit bureau since they can not prove that it really is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I lost my wallet which contents were my credit cards, drivers license, social security card. I cancelled all of my credit and debit cards, got a new license and social security card. After reviewing my credit report here recently, it looks like someone has been applying for credit using my information. Sometimes from the same company multiple times. Luckily, there has only been 1 account open that the bank immediately closed and all three reporting agencies removed. However, there are several fraudulent inquiries still remaining on my credit file. I have taken the necessary steps ( filing a police report for investigation, disputing the items and writing the companies ).
Product: Credit reporting

XXXX Bank and XXXX is showing an inaccurate balance on my credit report. The vehicle was showing repossession and also the same balance as the value of the car. XX/XX/XXXX the vehicle was towed by my apartment complex for an expired tag and the tow yard sold the vehicle after 30 days. I have reached out to XXXX Bank to get the new balance and status on this vehicle that was never repoed and they refer me to there lawyer. Since then I have tried to get my balance but continued to dispute through all XXXX credit bureaus to get an accurate balance to fix any mistakes on my credit and have been unsuccessful. I even set up a payment plan with the lawyer XX/XX/XXXX but I advised I will not start paying until I get something in writing showing the vehicle was sold and what my new balance was. All the Credit Reporting agencies are not investigating properly and I need to place a complaint or my next steps will be to sue both the credit agencies as well as the creditor. I feel I am doing my part and spending hours of my time to attempt to pay what is due if anything is due I am getting no results.
Product: Credit reporting or other personal consumer reports

Experian stated that the information was validated, how did they validate it when all CREDIT bureaus both lesser and major bureaus currently have security freezes on them? Also, how are they validating this debt especially when this debt was also charged off which means a XXXX was filed with the IRS and XXXX XXXX XXXX was paid via tax credit?
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2, regarding identity theft. Despite my prior attempts to resolve this matter, the fraudulent information has not been removed from my credit file.

In previous correspondences, I provided documentation, including proof that my personal information was compromised in a 2017 data breach. I also submitted an identity theft report. Despite complying with all requirements under the law, this fraudulent account remains on my report.

This is my final attempt to resolve this matter amicably. Under 15 USC 1681c-2, you are required to block the reporting of any information that is the result of identity theft. Failure to comply has left me with no choice but to consider pursuing legal action to ensure my rights are protected.

I urge you to act swiftly in removing the erroneous account from my credit report. If this matter is not resolved promptly, I will have no other option but to escalate this issue with the relevant authorities and pursue all available legal remedies. 

I expect written confirmation from your office regarding the deletion of the fraudulent information within 15 days of receiving this letter. 

Thank you for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

I started a new job and received an overnight check. I deposited the check via the Chase app on XX/XX/XXXX at XXXX. Then received notification my funds would be released for 12 days. I called the Chase customer line and was told they would not be able to assist me at that time. I went online and saw articles on the similar situation.