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

I received a letter from XXXX ( XXXX XXXX XXXX XXXX ). 

This same transaction outlined in the letter has been posted twice on my credit reports. 

Furthermore, I have been making payments to XXXX XXXX. 

Payments were made through XXXX XXXX, then I found out they were paid by another party called XXXX XXXX XX/XX/XXXX, and XXXX and they took XXXX days to provide proof it was paid too Hinsdale Orthopedics XXXX I spoke to XXXX XXXX and had to call and follow up 5 times to receive documentation showing proof of payment. It does not seem to be efficient and updated since I received the letter from All documentation is attached including proof of payments made to XXXX XXXX. 

I am in the middle of refinancing, and this is causing stress and a negative effect on my credit reports. 

XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

In XXXX of XXXX, I opened a joint account with my now ex-wife with Citibank. It was for my XXXX Affairs XXXX compensation checks to be deposited into. Furthermore, I never lived at the residence in question and only received mail there for a brief time. On XX/XX/XXXX of XXXX, I was XXXX and ended up doing 8 years in XXXX XXXX. During that time, though the deposits were still coming in, I had no access, physically or digitally to this account. Additionally, dyeing those 8 years the account was hacked and a victim of fraud several times and my ex-wife could not simply close the account due to my government funds going to it and she could not change that as she has no authorization or access to my VA account. When I got released from XXXX on XX/XX/XXXX, I tried to open a bank account with XXXX XXXX and XXXX and was denied and informed to file an inquiry with XXXX XXXX. Several weeks later, I get notices of fraud and past due debt to Citibank in the amount of {$1100.00}. I file a dispute and appeal with Citibank through XXXX XXXX and get back letters stating that all information regarding the account is verified and accurate despite me sending several forms showing I was XXXX with no access to said account. I am now filing a complaint against Citibank as well as XXXX XXXX for damaging fraudulent claims and possible infringement on my credit reports and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing erroneous items with the bureaus since XXXX of last year ( XXXX ). 

XXXX XXXX and XXXX are my biggest concerns right now. 

XXXX XXXX is reported incorrectly. Each bureau reports a different date of last active. XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX and the payment status is : was past due XXXX or XXXX times. That's not even possible or accurate. It must be concise according to laws that govern credit. Equifax reports the date last active as XX/XX/XXXX and they keep reporting payments after it's closed. this is inaccurate and should not be on my report. They refuse to correct this. 

XXXX should not be on my report either. XXXX reports the Date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and they are reporting activity on a closed account. Equifax is also reporting the date last active as XX/XX/XXXX with current payments on a closed account. They will not fix this and it's against FCRA guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX credit bureaus on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I 'm on the 2nd step with keep your home california, i finished the 1st step, interview process on XX/XX/17. A fraud foreclosure letter was already created by the DA on XX/XX/17 as well, which I received today. I 'm sending my required documents to keep your home California very soon. I need to make sure I still have my home while in the process. Are n't I protected under foreclosure protection act??? XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Comenity XXXX Credit Card. 
I never received my store credit card, account number, and information in the mail after applying and using it in the store. I called the number from the website to inquire on how to pay the balance and set up my online account, but was not able to reach a representative multiple times. I tried to pay over the phone, but the automated phone service required an account number. I finally reached a representative who processed my payment and assured me that it went through. I went out of the country for a family emergency for the next month, and was not notified that the payment had not processed and was considered late. I paid the balance immediately upon my return, but they would not remove the 30 day late mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX XXXX/XXXX  XXXX Account # XXXX XXXX   XXXX XXXX  XXXX I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Vehicle loan or lease

I bought a 2018 XXXX XXXX XXXX from XXXX in XXXX. At XXXX miles the engine went and I found out by looking up recalls that this car had serious recalls on the engine, transmission, tires, electrical ect. 

I contacted XXXX about the buy back program and they would not take the vehicle back. I contacted an attorney to represent me in a legal case against XXXX for the California Lemon Law and I won they case. To get XXXX to take back the car I had to quit making payments so the would repo it which I did and this has severly impacted my purchasing another vehicle recently. When XXXX got the car back the sold it and put the balance of the loan on my credit. This is fraud I do not owe XXXX any money due to the fact I gave them back the car and it was classified as a lemon and I won my legal case against XXXX
Product: Credit reporting or other personal consumer reports

I will like these two collections removed from my report. Its not mine. 

XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Collection Agency XXXX XXXX XXXXXXXX Original Creditor Name XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to Early Warning Services several times now and the false inaccurate information still remains on my report. As i have stated to Early Warning Services the information being reported from XXXX XXXX about a XXXX Checking account, and from XXXX XXXX XXXX for Checking, Savings and Investment accounts are incorrect on the Consumer report they provide. I have made several attempts to contact them and instead of reading my concerns they continue to say the information being reported is accurate. Even though these accounts were opened as a result of the identity theft that had occurred to me. Which i have also informed them. 

These accounts XXXX XXXX XXXX, and XXXX  XXXX XXXX, as well as XXXX XXXX, and now i am seeing a XXXX account all were opened as a result of Identity theft. I never lived at XXXX XXXX XXXX XXXX, Tx XXXX nor XXXX XXXX XXXX XXXX, Tx XXXX. It's also good to note i have reported this identity theft to the FTC which i will attach. As the XXXX information XXXX XXXX is reporting is that these accounts were " Closed for a Cause '' which is affecting me from obtaining another checking account. These account 's were never opened by me, and in fact i did file a identity theft claim with XXXX XXXX. XXXX XXXX Advised me they were " Researching '' Never responded to my claim and i have marked that in my Identity theft report as well. I have never banked with XXXX XXXX, Nor XXXX  XXXX and i want this information removed from my report with Early Warning Services.  XXXX XXXX told me they never reported any Account information to EWS even after showing them proof. So please review and remove these accounts opened as a result of identity theft.
Product: Credit card or prepaid card

I may be subject to identity theft, and I suspect my social security number is being used in fraudulent activities. 
Early XXXX a credit card from a retailer called XXXX XXXX XXXX XXXX ) was issued to me without me applying for it. On XX/XX/XXXX, I received an email saying that a credit card from a retailer called Wayfair ( Citi Bank ) was approved, without me applying for it. 
I called both banks to report fraudulent activity on my behalf, and they closed the credit card accounts. I talked to the Citi Bank identity theft department, and they connected me to XXXX in order to set up fraud alert. I placed a freeze to my credit the credit bureau over the past couple of days. 
Both store cards had made purchases ( that did not deliver, or is not going to deliver ), to the following address : XXXX XXXX XXXX. XXXX XXXX, Maryland XXXX. It seems that somebody at this address is using my financial information to open store credit cards and making purchases of small kitchen appliances.
Product: Credit reporting or other personal consumer reports

The Acconts below are more than XXXX XXXX XXXX and should be delted from credit report. 

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$32.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$32000.00} Highest balance - Terms XXXX  Months
Product: Debt collection

I have previously complained about Portfolio recovery and the complaint was closed and nothing was resolved. Complaint # XXXX. 

Portfolio recovery has been negatively reporting to the credit reporting agencies causing my credit score to drop significantly. 

I have requested validation of the alleged debt and they have not issued proper validation of this alleged debt, contrary I have come to find out they had a claim against me in court. 

Furthermore, they never sent me any first communication, yet in their response to my dispute with the credit reporting agencies, they have sent me a " copy '' of a sold letter that allegedly was sent from XXXXXXXX XXXX 

I have requested of them in several occasions including today via email a copy of the alleged contract between XXXX and Portfolio. Copy of the forward flow agreement. The invoice for how much they bought this alleged debt. All statements and documents provided to them by XXXX that made them believe this alleged debt was valid. Along with the statements as what they sent me was incomplete. 

I need someone's assistance with this company. They do not care about consumers ' rights and they are just getting away with making consumers ' lives more complicated and stressed and causing the extension of credit difficult.
Product: Credit reporting

I recently submitted a complaint to the XXXX about Equifax not responding or removing inaccurate information on my credit report regarding a bankruptcy. Equifax responded stating, they verified it was mine through the courts. I called the court and they mailed me a letter stating they did not and do not verify any information to third parties and credit bureaus. The Sr. specialist who responded to my complaint then went and deleted all my history, all my accounts, and changed my current address. This malicious act was done the same day the XXXX gave me Equifax response. The only thing that is showing on my report is the bankruptcy in question. First I noticed a difference in my score on XXXX, then I called and spoke with an Equiax rep and they informed that the only thing showing on my credit is the banruptcy. I had over XXXX open accounts in good standing and a 9 year credit history. This action by this company has dropped my credit score by XXXX points intentionally damaging my creditworthiness further. I do have the identity of this person and their intergrity should be questioned as far as their job position and the power they hold. I am now in persuit of a legal representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX Bank XXXX XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally address the continued gross mishandling and inaccurate reporting of my SYNCB/PPC account XXXX Synchrony Bank and XXXX credit bureaus. Despite my repeated disputes over the past XXXX months, this account remains on my credit reports with derogatory and unverifiable information. 

The following issues highlight the egregious violations of my consumer rights : Failure to XXXX XXXX : Synchrony Bank has failed to provide any form of validation or documentation to substantiate the reported late payments and derogatory marks. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) require that creditors verify the accuracy of disputed information. Their continued reporting without validation is a direct violation of these laws. 

Inconsistent Reporting : XXXX shows the account as Deleted and marked Paid, while also reporting a XXXX late payment status, which is contradictory. 
XXXX and XXXX continue to show the account as Closed with a Late 120 Days status, despite no evidence of these late payments being provided. 
These discrepancies across the bureaus demonstrate inconsistent and unreliable reporting. 

False XXXX by XXXX : My disputes with the credit bureaus have resulted in them claiming the account has been verified. However, if Synchrony Bank can not provide proper validation, it is clear they are submitting false verification to the bureaus, which is fraudulent and unlawful. This practice undermines my right to an accurate credit report. 

Statutory Violations : Continued reporting without validation violates the FDCPA ( 15 U.S.C. 1692g ), which requires debt XXXX to cease collection until validation is provided. 
Inaccurate reporting and failure to correct errors violate the FCRA ( 15 U.S.C. 1681i ), which mandates accurate reporting and timely correction of disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to agent is notice to principal This notice is to inform you of your gross negligence regarding the below nefarious account. XXXX XXXX XXXX XXXX # # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : 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. 

The account was deleted in XXXX of XXXX. Then reinserted in XXXX. Blatantly violated the law which states, If an item as erased and is reinserted afterwards, the CRA is required to send you written notice of the reinsertion within 5 business days.

Secondly, the above data furnisher has repeatedly failed to validate the accusation of this debt. I requested validation of this debt through the CFPB portal on XX/XX/XXXX Complaint number XXXX And I have not yet received the items I requested. 
I received an interim response that read, the company will follow up within 60 days. Which is not satisfactory.

Under the Fair Credit Reporting Act ( FCRA ), Credit reporting agencies generally have 30 days to investigate the disputed item and remove any items proven to be inaccurate.

Your Consumer reporting agency has exceeded that lawful timeframe. 
The reporting of this incorrect information has caused severe damage to my character, my reputation, my general means of living and my ability to obtain credit for personal, business and household purposes.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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.

In conclusion, the reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 and the responsibility the assumed as a furnisher of information.

Consider this an opportunity to correct the mishaps and permanently remove the above erroneous account from my consumer report to avoid legal action.

By notifying you of my Notice of Understanding and Claim of Right, I have thereby notified all applicable agents.
Product: Checking or savings account

My issues are with bank of America. This years got charged crazy fee. Also I pay my credit card always before time. I had paid a few hundred. When I went to buy they had closed my account. Called they said cause I paid XX/XX/XXXXtimes late. Was weird I have an account for years. I till pay on it. My payment is due XXXX I pay the XXXX in advance. Also my fees were charged for service, no funds cause of them crazy have more than XXXX of charges extra and double. I'm reporting all that happen last 2 years.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Clarification of Negative Reporting Deadline Dear Portfolio Recovery Associates, This is a formal demand for information regarding my account. I require confirmation of the exact date by which you are legally permitted to report this account negatively on my credit file. As you are aware, continued reporting beyond the lawful period may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Failure to provide this information promptly will leave me no choice but to explore all available legal remedies to protect my rights. I expect a written response with the requested details within 10 business days of receiving this letter. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

It has been well over three weeks and the PNC BANK has not given me a reason as to why I can not access my funds. Every time I call to find out what is going on they say my account is under review and that they will call me within 24 hours which they never do. At which point I call again to get the same response over and over. They will not even allow me to close my account. When ever I call no one knows what is going on and they claim not to be able to see it or be able to give me a reason. I have called numerous amount of times both before and after the BBVA and PNC Bank merger and neither banks have been able to provide proper care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX