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

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity .B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Product: Debt collection

I check my credit every day as of XX/XX/23 there is still inaccurate reporting on my credit report for {$130.00} for XXXX XXXX. I attempted to dispute it online but the system keeps kicking me out all of a sudden? I called the customer service number and spoke with XXXX. She was no help. In an attempt to dispute I was locked out of my account as well. I was told I have to verify my identity via email which I refuse to do because my account was currently hacked? I am not providing any information online any longer. At this point I am requesting that they remove this inaccurate information because it is deterring me from applying for apartments, credit cards and other things. Basically Im giving the runaround for an inaccurate information being on my credit report and its hindering me from moving forward. This is an angry consumer reporting the Trans Union credit agency.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems {$14000.00} opened on XX/XX/XXXX. I disputed this multiple times as I do not recognize this {$14000.00}. I spoke with a representative named " XXXX XXXX  today, XX/XX/XXXX at approximately XXXX via phone call XXXX requested {$1.00} to further look into the origin of this debt. XXXX also stated that " This sounds like fraud. '' Then I had mentioned how I had also experienced recent fraudulent activity on my personal bank account. I gave XXXX the address in which I temporarily resided at when this charge struck my credit report on XX/XX/XXXX. 

XXXX XXXX XXXXs {$1500.00} Also disputed as I do not have ownership of knowledge of this XXXX and XXXX XXXX {$1000.00} Disputed and not owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

please see upload, chase is reporting debt to be over by {$850.00} to XXXX XXXX and XXXX on 2 of its credit cards.
Product: Credit reporting or other personal consumer reports

XXXX incredibly frustrated to find an account on my credit report that is not being accurately reflected. This account is in pending litigation, and it should not be listed as it is. The fact that its still showing up is not only wrong but also misleading, and its creating unnecessary problems for me.
Product: Credit card

In XX/XX/XXXX, I noticed a charge of {$29.00} on my XX/XX/XXXX Sychrony Bank credit card that was not authorized by me. I wrote the bank to ask them to investigate and remove the charge. I heard nothing from them. 

They continued to keep the fraudulent charge on my account and also charge interest for not paying the fraudulent charge. 

In XX/XX/XXXX, I noticed another charge for {$150.00} on my XX/XX/XXXX Sychrony Bank credit card that was not authorized by me. I wrote the bank again. This time I requested they investigate both the {$29.00} charge and the {$150.00}. Additionally, I requested they remove all interest charges that had been charged to my account for the unpaid {$29.00}. 

All other charges from XX/XX/XXXX through XX/XX/XXXX were paid in full. 

I heard nothing from them on either investigation request. Accordingly, I again requested they investigate. I continued to pay all other charges in full. 

Synchrony Bank sent me a " Fraud Investigation Form '' in XX/XX/XXXX, which I completed and returned to them in XX/XX/XXXX. 

I heard nothing from them, and they continued to charge my account for interest on the fraudulent charges of {$29.00} and {$150.00}. Consequently, I closed my account in late XXXX. 

I would like Synchrony Bank to correct my account, remove all charges from my account ; including interest, penalties, and late fees ; and report my account in good standing to all credit reporting agencies.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, I requested the email or physical address where I could send a transfer request from Optum Bank to XXXXXXXX XXXX I have received no reply.
Product: Credit card or prepaid card

On XX/XX/XXXX Capital One notified me that a hard inquiry had been placed on my credit report. I put a freeze on my XXXX and XXXX report. Then a few days later Capital One called to ask about my recent credit card application and I told them I did not request a credit card and that it was fraud. 

Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX about a credit card being opened in my name and I also told them it was fraud. Today on XX/XX/XXXX I froze my XXXX redit report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Errors on my credit report related to 15 USC 16c-2 show unauthorized hard inquiries, which are hurting my score. Please remove all inquiries I didnt authorize. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained of this problem over a month ago, XXXX and XXXX already closed and removed XXXX XXXX from my file. TransUnion is still showing it as an open account, complaint # XXXX on file. I 'm trying to rebuild my credit now after my two XXXX in XX/XX/XXXX and XX/XX/XXXX,  which caused me to close my business.sometimes I wonder if they do it on purpose so they can make more money off you. I 'm not asking for any favors, just do what 's right. It 's an open and shut case, a no brainer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion during these dates, And they completely ignored me. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I also mailed them letters on the following dates and with the reference number XX/XX/XXXX - TransUnion Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - TransUnion Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and 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 an account without my written instructions.
Product: Checking or savings account

I wrote a check to a payee and mailed it to the payee on XX/XX/XXXX, the check was cleared on XX/XX/XXXX. The payee informed me on XX/XX/XXXX that he never received the check. We submitted a request to Chase bank regarding the lost check on XX/XX/XXXX but as of XX/XX/XXXX we are being told every time we called the bank to check on status that the clearing bank XXXX XXXX XXXX XXXX XXXX has not responded to the request.
Product: Checking or savings account

- I opened a Citi checking and saving account in response to a promotion.

- I learned that the accounts were not right for me ( poor service, long call center hold times, high fees, and non-competitive interest rates ).

- On XX/XX/18, my account balance was {$0.00}. I spoke to an agent at XXXX central time ( extension ID XXXX ) and requested my accounts be closed.

- The agent would not provide any form of a confirmation number.

- I received a letter dated XX/XX/18 from Citi indicating I am in collections for an account that should have been closed on XX/XX/18.

- After receiving the letter, I contacted Citi again requesting my account be closed and the agent said they would take care of it.

- Today ( XX/XX/XXXX ) I have started receiving collections calls.

When speaking with to the collections department and customer service, they were unable to offer any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this complain to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous items which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance XXXX {$880.00} XXXX XXXX  XXXX Balance XXXX {$730.00} XXXX XXXX  XXXX Balance XXXX {$1100.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$7600.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX and # XXXX 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 602 A section 2 : it also ststes a consumer reporting agency can not furnish a account without my witten instructions
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I pulled my credit report on Experian and it brought to my attention that XXXX  XXXX ran my credit XXXX XXXX. I did not authorize them to run an auto inquiry. It caused an hard inquiry on my credit. After seeing that I noticed XXXX  ran an inquiry on my credit 3 other times. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are the days I did not authorize and it never was brought to my attention that my credit report would be pulled causing hard inquiries.
Product: Debt collection

I did not get a notice that I was being sued for a debt. I found the debt on my credit report and did not get a notice or anything to dispute this. The company  is Hunter Warfield. The amount is  XXXX  . The letter was sent to a friends house. This is total violation of privacy. I never got the letter until al most a year later. The address listed is not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor.

3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX UNVERIFIED ACCOUNT
Product: Credit reporting or other personal consumer reports

This is not an error. I am sending my formal notice that fraudulent applications have been done using my name without my knowledge. All this information has been reported to the XXXX XXXXnd is currently under investigation.
Product: Credit reporting

I had full coverage insurance through progressive insurance company in XX/XX/XXXX. I was late in paying my XXXX XXXX bill and received a cancelation notice from them. I sent out the payment and after this received another notice that my policy was cancelled in XXXX. I got car insurance through another insurance agency for a cheaper rate. XXXX is demanding payment of {$160.00} for this account and put it in my credit report in XXXX XXXX. I paid my premiums through XX/XX/XXXX and did not make any more payments towards this policy due to the fact that they cancelled it.
Product: Debt collection

On XXXX XXXX, 2017, I received a phone call from ( XXXX ) XXXX on my cell phone. The man calling asked for someone whose name I did not recognize, so I told him he had the wrong number and hung up. This was the second call I 'd received like this, so I called back and asked him to please take me off their calling list. Instead of agreeing to take me off their list, he asked me how I knew the person they were calling about, if they were my husband or relative, etc. I told him to stop calling me, but he continued to ask me questions about the person they are trying to find. He then accused me of lying about not knowing the person they are trying to find. When I told him I would report him to the FTC, he became rude and abusive and continued to call me a liar. 

I asked for his name and the name of the company he was calling from. He said his name is XXXX XXXX and he was calling from ARS, XXXX XXXX XXXX XXXX XXXX, NY XXXX. I asked him repeatedly for the full name of the company or what ARS stood for and he refused to answer, insisting that it was just ARS. 

This person was extremely rude, aggressive, and refused to comply with my request to take me off their calling list. Instead of agreeing to stop calling me, he started asking me personal questions as if I 'm obliged to help him find whoever he was looking for. He even asked me why my office line was ringing while I was on the phone with him. This person is extremely aggressive, unprofessional, and showed no respect for my rights as a consumer.
Product: Credit card

A credit card was opened with capital one without my knowledge using an old address causing hard inquiries on my credit report I did not authorize
Product: Credit card or prepaid card

I made numerous payments to my credit card account at Nordstrom.  They hold the money for funding for 14 days after the bank takes it out of my account. They say an online payment is like a check and requires 14 days to clear.
Product: Mortgage

I was told on the phone that only if I proceeded with the mortgage application to the next step my credit card will be charged. I informed the agent ( XXXX XXXX ) that I did not want to proceed with the mortgage application on XX/XX/XXXX. I was confirmed on the phone multiple times that they will not charge my card until I asked them to move forward. On XX/XX/XXXX, after a week I see a charge for {$31.00} on my XXXX  from Quicken loans! For an application, I did not proceed with.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX 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

I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX
Product: Debt collection

To who it may concern, This man called me today, sounded very serious and knew all my information, saying that my HSBC account that was closed for no use has XXXX XXXXXXXX XXXX that I owed and now the bank sold my account to a dept collecting agency that is calling to clear my name. I was nervous specially because I just got rejected from applying for a new XXXX credit card. They had detailed information about when the last time I used my card was and I was in the middle of the work and they were not giving me information about where this XXXX XXXXXXXX XXXX  were coming from so I hung up. They had my email so they emailed me, I am scared they will use my information incorrectly, I am not even sure if I gave my last 4 digits or not. After talking to HSBC they confirmed that that was fraud. I am terrified and I don't know what to do. HSBC staff told me to contact you and share their emails, phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX XXXX XXXX I was granted forbearance for a hurricane that hit XXXX XXXX XXXX. At that time when I contacted Freedom mortgage regarding the forbearance plan they told me that in XXXX the underwriters would move my XXXX payments to the end of my original loan. I needed to call back in XXXX to see how to proceed. When I called back in XXXX I was told that my loan was now in Lost mitigation and that I would have to pay {$1800.00} by XX/XX/XXXX to bring my account current. I then asked them what the current status of my account was how could I get this out of lost mitigation and how would this impact my credit as I had noticed they were reporting XXXX days late. The representative on the phone told me all I could do was follow through with the Lost mitigation process so in XXXX I brought the loan current and paid over {$15000.00} to show it current and was clear and asked Freedom mortgage if I brought it current while it was in Lost mitigation would any delinquency be reported. They responded with a letter within their internal messaging system directly to me and said there would be no delinquency reported. I will attach screenshots regarding that as well as XX/XX/XXXX I requested a loan information sheet showing if I was current and if any debt or delinquencies were being reported via Freedom mortgage which I will include as well and they show XXXX. I would like Freedom mortgage to immediately do as they said and remove the delinquencies from my credit within the next XXXX business days so that this can be removed and we can continue on.