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

Me and my husband have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.
Product: Credit reporting or other personal consumer reports

I've attached the proper information showing that this company, XXXX has fraudulently and falsely reported dates on all three of my credit profiles. The attachment 's shows the minimum due, which was paid as promised monthly of {$37.00}. XXXX has reported to Experian, XXXX, and XXXX that I was late for these XXXX consecutive months. All attachments show that the statement balance changed each month, meaning the payments were being processed.
Product: Credit card or prepaid card

I informed them I did not make these two transactions, first they said it was taken care of then the next day they added them back to my statement as if I have to pay them. I am never paying for these : XX/XX/XXXX XXXX  Quick CashOther Services ... XXXX {$80.00} XX/XX/XXXX XXXX ... XXXX {$15.00}
Product: Credit reporting or other personal consumer reports

The current payment status of 30 Delinq is incorrect because the balance due on this account is XXXX 

XXXX Status Closed Credit Limit XXXX High Balance XXXX  Payment Amount XXXX  Last Payment XX/XX/XXXX Term 0 Month ( XXXX ) Description Individual Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status XXXX Delinq Past Due {$0.00} Worst Rating 60 days late Remarks Canceled by credit grantor Completed XX/XX/XXXX Payment Status Error The current payment status of XXXX Delinq is incorrect because the balance due on this account is XXXX 
Suggested I Previously Disputed This I previously disputed this account stating : " The current payment status of XXXX Delinq is incorrect because the balance due on this account is XXXX ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Product: Credit reporting

1 ) XXXX was paid off 2015 should not be on credit report. 
2 ) XXXX XXXX XXXX should not be on credit report.
Product: Credit reporting or other personal consumer reports

1.1 I am the undersigned, residing at XXXX XXXX XXXX XXXX, and I am over the age of XXXX. 
1.2 I am the person whose credit report is in dispute with XXXX, XXXX and TransUnion, regarding the reporting of a charge-off account with XXXX XXXX XXXX XXXX . 

2. Purpose of this Affidavit 2.1 This affidavit is submitted to formally dispute the inaccurate, unverifiable, and inconsistent reporting of the aforementioned account. 
2.2 I assert that XXXX, one of the four major credit reporting agencies, has removed this account from my credit report as of XX/XX/XXXX, deeming it unverifiable following a thorough investigation. 

3. Statement of Facts 3.1 The account in question is identified as XXXX XXXX XXXX XXXX with an alleged charge-off amount of {$10000.00}. 
3.2 XXXX removed this account from my credit report after determining it was unverifiable during a dispute investigation. 
3.3 The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), requires all consumer reporting agencies to ensure the accuracy and verifiability of the information they report. 
3.4 Continuing to report this account as a charge-off when another major bureau has removed it due to lack of verification violates the principles of accurate and fair reporting. 
3.5 XXXX and TransUnion have failed to provide me with sufficient documentation to verify this account despite my previous dispute submitted on XX/XX/XXXX, as required under 15 U.S.C. 1681g. 

4. Legal Basis for Removal 4.1 Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted from a consumers credit file. 
4.2 XXXX removal of this account due to lack of verification demonstrates that the information reported by XXXX and TransUnion is inconsistent and unverifiable. 
4.3 The continued reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and potentially state consumer protection laws, including the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 ). 
4.4 According to XXXX v. TransUnion Corp., XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), credit reporting agencies have a duty to conduct reasonable investigations and ensure accuracy in consumer reports. 

5. Demand for Removal 5.1 Based on the above facts, I demand that XXXX and TransUnion immediately remove the XXXX XXXX XXXX XXXX account from my credit report. 
5.2 I further demand that XXXX, XXXX, and TransUnion provide written confirmation of the removal and an updated credit report reflecting this change within 15 days of receipt of this affidavit. 

6. Declaration 6.1 I declare under penalty of perjury under the laws of the United States of America and the state of Georgia that the foregoing is true and correct to the best of my knowledge and belief. 

Executed this XXXX day of XXXX, XXXX. 

XXXX XXXX XXXX and subscribed before me this XXXX day of XXXX, XXXX.
Product: Credit reporting

I have to collection from XXXX from XX/XX/XXXX, I have no history of medical bill, since I had my last baby on XX/XX/XXXX and was all cover by XXXX. 
I moved from XXXX to XXXX, I cant verify who sent this bills and why now show in my credit report, I only get a credit for the past XXXX months. Thank you
Product: Credit card

The Ulta Credit Card, handled by Comenity, continues to fail to notify me of payments due and then charges late fees and interest. Additionally, when I pay on their notification of past due amounts, the payments take longer than other credit cards to apply the payment and calculated latest interest. This then generates additional interest. I have an excellent XXXX score and I am afraid that their practices will impact my credit history. On researching on line, I find I am not alone in my concerns about Ulta and Comenity.
Product: Debt collection

On XXXX XXXX, I went to XXXX. I am being billed for a bill that I do not owe. I have told this company this multiple times and yet they are still reporting this to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 requested these unauthorized items be removed from my credit report but was informed the items werent on my report but the items still remain on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

When I open the Roth IRA account XXXX with ally. 
Ally officially told me they would not charge any fee if I moved my money to other bank after 6 months. 
I opened XXXX and moved out XXXX, that is much more than 6 months. 
They charged me {$25.00} without letting me know. 
I contacted them twice for refund. No answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB XX/XX/XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA  XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.
Product: Debt collection

I was called by cbe asking for the last 4 digits of my social security number to confirm I am me so that they could discuss some debt. The repeated the last 4 digits of some social security number and wouldnt say who they were until the 6 time asking. The auto-generated number they used was ( XXXX ) XXXX
Product: Debt collection

CAPITAL MANAGEMENT SERVICES LP DEBT COLLECTOR IS TRYING TO CHARGE ME AN AMOUNT FOR {$75.00} FOR A CREDIT CARD I NEVER OPENED WITH XXXX NEVER HAVE I OPEN SUCH ACCOUNT OR USE MY SOCIAL SECURITY OR CREDENTIAL TO OPEN SUCH AN ACCOUNT.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite providing detailed accounts and citing violations under FCRA sections 623 ( a ) ( b ) and 605 ( c ), where the company failed to mark disputed accounts and incorrectly reported last activity dates, none of the credit bureaus have responded within the 30-day period mandated by law. Attached are copies of all correspondence sent. This failure to validate the collection account also violates FDCPA section 809 ( b ) as per FTC guidelines.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

My name is XXXX XXXX I want to know if I have a bank account with yall in the past year but it was closed by yall and the relationship with yall bank was ended and terminated and I want to know if my mom open her own bank account at yall bank branch because she never have no bank account before with yall or never been on a account with someone else with yall bank if she can also add me on her bank account too and we both can get two debit cards one for me and one for her or no and my ssn is XXXX etc.
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Department Store National Bank RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 

Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at XXXX
Product: Vehicle loan or lease

XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Request for Investigation into Inaccurate Reporting by Westlake Portfolio Management Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in investigating a case of inaccurate credit reporting by Westlake Portfolio Management. This issue pertains to my vehicle loan account, which I originally financed with US Auto Finance. The company filed for XXXX  XXXX bankruptcy in XX/XX/2023 and subsequently sold its assets to Westlake Portfolio Management. Westlake Portfolio is now reporting incorrect payment history, negative payments, and other inaccuracies on my account, even after falsely repossessing the vehicle in XXXX of this year. It's worth noting that I no longer own or possess this vehicle.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC section 1681i, I have the right to dispute and request an investigation into any inaccuracies on my credit report, with the expectation that this account is deleted. This letter serves as my formal complaint and request for an investigation regarding the inaccuracies associated with my Westlake Portfolio Management account. 

The relevant details regarding this matter are as follows : 1. Account Information : - Creditor : Westlake Portfolio Management - Account Number : XXXX - Date of Repossession : XX/XX/2023 - Current Status : The account is incorrectly reported as having a negative history and active payments. 

2. Background : In XX/XX/2023, Westlake Portfolio Management repossessed my vehicle due to financial hardship. Following the repossession, I have not made any further payments on the account, and the vehicle is no longer in my possession. 

3. Inaccuracy : Despite the repossession and cessation of payments, Westlake Portfolio Management continues to report the account as having a negative history and active payments. This inaccurate reporting is damaging my credit score and financial reputation, affecting my ability to secure loans, housing, and employment. 

4.Supporting Documents : -Enclosed with this letter, you will find the most recent copy of my credit report.

I request that you promptly initiate an investigation into this matter and ensure that Westlake Portfolio Management rectifies this account on my credit report in accordance with the FCRA. I also request that you keep me informed of the progress and resolution of this investigation. 

Please do not hesitate to contact me at XXXX or via email at XXXX if you require any additional information or documentation to assist with your investigation. 

I appreciate your attention to this matter and your commitment to upholding the fair credit reporting standards established by the FCRA. I look forward to a swift resolution of this issue and the restoration of accurate reporting on my credit profile. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request an update to my personal information on file with all three major credit bureaus : XXXX, XXXX, and Experian. My correct and current information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, United States Employment : XXXX XXXX XXXX XXXXXXXX Additionally, I would like to formally request that Experian remove the incorrect address listed on my credit report as follows : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There is no law preventing the removal of inaccurate or outdated information from credit reports, and as this address is not valid or associated with me, I ask that Experian promptly delete it from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX  on multiple occasions via phone throughout XXXX and XXXX of XXXX. I was instructed to email my dispute complaint to them on XX/XX/XXXX. I did so on XX/XX/XXXX and never received a response. 


-Periodic Statement Requirement In accordance with XXXX the creditor was required to send me periodic billing statements at for each billing cycle. The lender failed to do so as I never properly received account statements. Upon checking the statement history it has been confirmed that despite providing the company with my correct address they failed to include XXXX XXXX within the address line and as a result the mailed statements from XXXX XXXX XX/XX/XXXX to the incorrect/incomplete address as my unit number XXXX wasnt included in the mailing address ( see attached documents ). 

-Missing Payment History The account was charged off in XX/XX/XXXX. The Payment history status for XXXX does not accurately report this charge off status for the month of XX/XX/XXXX. 

-Inaccurate Foreclosure History On XX/XX/XXXX the companys representative XXXX stated that the account was successfully foreclosed as of XX/XX/XXXX, my credit history also reflects this FS status for XX/XX/XXXX. This is inaccurate as the companys attorney requested the claim be dismissed on XX/XX/XXXX ( see attachment ). 

-Inaccurate Current Balance I have been told the {$440.00} balance reflecting on credit reporting is foreclosure fees. However, the foreclosure proceedings were dismissed without prejudice due to the balance already being charged off. These {$440.00} of foreclosure charges also arent viable as I never received periodic statements properly to warrant any late payment. The charge off amount provided by the company was also to include all and any outstanding charges and fees.
Product: Bank account or service

I have had XXXX overdraft charges. This is excessive. The accounting system at Compass Bank is terrible. News and media reports have this well documented. Compass Bank settles excessive overdraft class action for {$11.00} XXXX XXXX Complaints with excessive overdraft fees!! 
XXXX
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX/XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 
The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX