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

To whom it may concern : I am asking you to review your data on file for me and ensure that it is accurate and up-to-date. I am challenging any inaccuracies in my report, under the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards. I also require that all inquiries within my credit profile have a permissible purpose and be accurately sourced, in order to stay on top of any potential issues. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN ; XXXX ; XXXX ; did not remove accounts that are 7 years and older ; give me back points I lost as a result of the derogatory information being reported on my credit reports ; changing the dates to ensure the items last longer than what is required by law on my credit reports. Missing payment history not reflecting and showing anything at all regarding on-time payments, etc is very shady and sketchy. No current information reflecting and showing at all.
Product: Checking or savings account

I signed up for advertising account through XXXX with an representative and I was told by the representative that there would be a flat fee rate and I would not go over my budget. I have a confirmation of services. After signing up, XXXX started billing out of budget. I didn't catch the initial charges but notice that my account was negative. I contacted my representative but did not get any response, so I contacted the company ( XXXX ). I was told to submit a refund request. I did but nothing happened and I continued to get charged. I was told that I had to manually cancel from the website but it was not easy and had to be walked through from another representative. This process was long. I contacted my bank and told them what was going on however I was told nothing else was needed and they would contact me if so. I waited an email but Wells Fargo sent a letter to my mailing address instead of contacting me by email as I contacted them. I didn't get the correspondence within time so my claim was denied. I have the initial contract between XXXX and do not see how a company can charge whatever they feel and my bank that should help me, left me paying a fee that was never agreed. I am a small business owner and can not survive with companies taking advantage. I really thought my bank would help but was never given an opportunity. This charge has caused my account to be affected negatively in not acquiring help from other due to the incidents. This was a huge hit to my company financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit scores via credit karma, XXXX XXXX and XXXX  have arbitrarily and with out just cause lowered my credit scores XXXX by 38 points and XXXX by 51 points. I have recent inquiries and am update on all payments. They refuse to take my dispute.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$360000.00} Late/Open XXXX XXXX XXXXXXXX XX/XX/XXXX Balance : {$910000.00} Late/Open XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$650000.00} Late/Open XXXX XXXXXXXX XX/XX/XXXX Balance : {$670000.00} Late/Open
Product: Checking or savings account

Transactions in dispute by fraud against my Savings Account Last four digits in XXXX at CHASE. 

{$19000.00} date of fraudulent withdraw XX/XX/2022 {$28000.00} date of fraudulent withdraw XX/XX/2022 I am filing this claim as part of an ongoing issue against my CHASE bank accounts ending in XXXX ( Savings Account ) and XXXX ( Checking Account ) that began on XX/XX/XXXX after receiving correspondence from CHASE allegedly signed by a Telephone Banker named XXXX XXXX, who without proper verification of my identity and in violation of my rights as the owner of my accounts, generated telephone credentials and replaced my debit card in use to a third party, who since that date, has made use of such instruments to fraudulently subtract money from my bank accounts with Chase, as shown by the claims already processed before you under Numbers : XXXX, XXXX and XXXX, respectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, RI XXXX ( XXXX ) XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.
Product: Mortgage

In order to keep track of my mortgage payments to PPH Mortgage Services ( PPH ), a/k/a XXXX, I send my payments by USPS 2-mail with tracking. My monthly mortgage is {$760.00}. 
On XX/XX/2020 at XXXX XXXX  I call PPH to see why my payment for has not been applied to my account and PPH claim that they have not received my payment. After a 30 minute phone call with the customer service rep and explaining that I had tracked my package as being received by PPH on XX/XX/2020, the rep still did not have an answer for me regarding my XX/XX/2020 payment. The rep also told me that I could not send one check for payment that I needed to send 2 separate checks for payment since I have a split mortgage. I requested something in writing and has not received anything as of yet. The next morning XX/XX/2020, payment for {$760.00} had cleared my account overnight. 
It is now XX/XX/2020, I called PPH to inquiry about XX/XX/2020 payment which was received by PPH on XX/XX/2020. The customer service rep informed that I need to send it to the PO Box . I informed the rep that I have been sending my payment overnight via XXXX  to the same address since last year. I switched to the postal service with tracking in XX/XX/2020 due to working from home. I have until the XXXX of each month before a payment is late and I have never had a problem sending my payment to the business address. ( See attachment. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, account # XXXX from XXXX XXXX has been paid and closed. You have documented that the account is " paid as agreed ''. The account is appearing on the negative items of my credit report. Please remove the item from negative or delete the account. You are reporting false information ans as per the FCRA you are in violation. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXXXXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Told them to stop calling or i would report them but they still are calling
Product: Debt collection

I am receiving derogatory remarks on my credit score on all credit reports from an account in collections from a company I do not know nor recognize and do not owe {$2300.00} to. I have not received any calls about this amount due and was not served any paperwork from this company. It is weighing down my credit score and I would like to resolve this issue.
Product: Credit reporting or other personal consumer reports

I don't recognize these Hard Inquiries. I already contacted the credit bureaus on XX/XX/XXXX but I did not receive a decision. 

Delete Hard Inquiries XXXX - XXXX XXXX XXXX ( XX/XX/XXXX ) Delete Hard Inquiries TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding a debt collection practice that I believe violates 15 U.S. Code 1692g. I request your assistance in investigating this issue and helping me resolve it.

I received a collection notice from the collection agency identified above, and I believe the agency has violated my rights under 15 U.S. Code 1692g, which mandates that a debt collector must : Provide written verification of the debt if requested within 30 days of receiving a notice.

Provide proper validation and proof of the debt.

Violation ( s ) : [ List the specific violation ( s ) under 15 U.S.C. 1692g, such as : ] The collection agency failed to provide verification of the debt despite my formal request for validation on [ date ]. 
The agency did not properly inform me of my right to dispute the debt within 30 days, as required by law. 


I have already contacted the collection agency, requesting validation of the debt. To date, I have not received any response or evidence to verify that this debt is valid or even mine.

I request that the CFPB assist in investigating this matter and take action to ensure the collection agency is complying with the law, specifically 15 U.S.C. 1692g. If this issue is not resolved and the collection agency fails to validate the debt, I also request the removal of the collection account from my credit report.

I have enclosed copies of all relevant correspondence, including my request for debt validation and any responses received. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely,
Product: Checking or savings account

XXXX / XX/XX/year>, ZELLE XXXX XXXX XXXX XXXX transferred unauthorized funds from my XXXX XXXX XXXX personal checking account. 

ZELLE XX/XX/year> ( unauthorized transaction : {$420.00} ) ZELLE XX/XX/year> ( unauthorized transaction : {$920.00} ) ZELLE XX/XX/year> ( unauthorized transaction : {$1600.00} ) Contacted XXXX XXXX XXXX  with fraudulent checking account transaction issue. They responded that they could do nothing to recover stolen funds. XXXX XXXX XXXX since then has prevented any future illegal transactions. 

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

Listed below are Bankruptcy 's regarding inaccurate and unknown things on my credit report. To this day I have not received any proof these are my accounts other then automated ; we validated and meets FCRA regulations. I feel I am being taken advantage of and being ignored by my disputes. I have called them and told them they have the wrong XXXX XXXX XXXX I'm attaching a pic of them mailing info to XXXX XXXX. I have never been a XXXX and never will be Proving they have the wrong person! XXXX has already removed these wrongful listings. I have called XXXX XXXX Experian who said I need to talk to the Bankruptcy Courts which i mailed them asking why they are telling Bureaus I have an account with them. They said they have no record of me and besides that they do NOT report to the Bureaus. Attached will be a letter from the Deputy Clerk saying such. Section 611 ( a ), it is plainly stated that a failure to investigate these terms within 30 days gives reason to remove these items from my credit report. I know they have not investigated this because the BCourts do NOT report to them. It has been over 60 days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or I will file for ligation which intent to sue was already sent due to the stress they caused me. my information was also impacted by all XXXX Bureau 's data breach and may have gotten into the hands of the wrong person. XXXX removed after I showed them the BCourt letter. 
I have sent a Validation certified letter to the Bureaus. All i got was a letter from XXXX addressed to XXXX XXXX ( is NOT me ) & nothing from Experian. Per the FCRA they are to present the Validation proof they received and have not provided anything, given that these are not mine I understand. This is why I know the Bureau 's have not validated anything because the BCourts could not validate anything to me! Also attaching Certified Receipts showing I have tried to resolve this and was ignored. I also understand these Bureaus make money by reporting these false claims to stay in business. 
Chapter XXXX Bankruptcy XXXX  Court : XXXX XXXX  XXXX... This is NOT a real Court No address included XXXX shown in attached Credit Report Chapter XXXX Bankruptcy XXXX Court : XXXXXXXX XXXX XXXX... This is NOT a real Court No address included XXXX shown in attached Credit Report PLUS ALL Bankruptcy 's listed show DISMISSED or DISCHARGED. Guess Bureaus missed that in their false reporting. So if they are DISMISSED or DISCHARGED how can they even be reported?? 
Dismissed Law : to put out of judicial consideration : refuse to hear or hear further in court dismiss all charges This case is dismissed.
Product: Credit reporting

Ford Motor Credit ( FMC ) wrote me in response to CFPB complaint XXXX. Their letter states that they have not reported my XXXX payment as late. See where I have highlighted on page XXXX of FMC response " Please know the XXXX 2014 payment was NOT reported as delinquent as the payoff was received before the the payment went 30 days past due ''. 
The XXXX 2014 payment is showing as 30 days late on XXXX, and XXXX. I have attempted to resolve with the credit reporting agencies. Their response is always that FMC has confirmed the information is correct. I have contacted FMC directly and they have stated they will not change anything because it is reported correctly. I even offered to send FMC the letter they wrote. They said this would not help. I have been going back and forth with this for over 8 months to no avail. 

Some XXXX help please!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH 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 my 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 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 XXXXXXXX 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: Mortgage

US Bank messed up my escrow account very badly as i have massive escrow shortage when i shouldn't as there was an escrow account established when i closed in XXXX on the house. Now 6 months later I am being told I am massively short. Funds they can't find either to fix my account.
Product: Credit reporting or other personal consumer reports

I recieved an alert through email that my credit had several hard inquiries, After this I checked my credit report and noticed that I did'nt request called each company request credit from these companies. So I contacted them and ask that they would send proof that it was me who requested the credit, they decline my request and was informed that I needto contact the credit bureaus. I contacted the credit bureaus and was told that I needed to write the a letter stating that I did not request credit from them, also to contact the CFPB. 
So I completed all the steps and now I'm requesting to please remove all the inquiries that, are listed In this letter. The letter read as following : Subject : Demand for Immediate Removal of Unauthorized Credit Inquiries. 


To Whom It may concern This is an Urgent Removal Request for Fradulent Inquiries under [ Section 15USC 1681 605B of the FCRA ] I am requesting to urgently remove the fraudulent inquiries reporting on my credit profile and expect immediate corrective action and to be block permanently As per FCRA regulations, you are required to verify that these inquiries were made with my explicit consent. If you can not provide tangible proof ( such as a signed credit application ) that I authorized these inquiries, you must remove them immediately. Failure to comply will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

These inquiries need to be removed from my report immediately. with in ( 2 ) business days. 

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the names of creditors and the dates of the inquiries ] XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  You may contact me at XXXX or XXXX regarding this matter. 

Sincerely, XXXX XXXX.
Product: Debt collection

Statement of Identity Theft and Fraudulent Accounts I am writing to formally address an issue of identity theft and to request verification of debts associated with fraudulent accounts that have been opened in my name. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am exercising my right to request verification of the debts that are being attributed to me.

In accordance with the law, please provide the following information for each account that is being reported : 1. Account Name : The name under which the account has been opened.

2. Date of Application : The date when the application for this account was submitted.

3. Personal Information Used : A detailed account of the personal information that was used to open these accounts, including my name, address, Social Security number, and any other identifying information.

4. Verification of Debt : Documentation that verifies the existence of the debt, including the original creditors name and contact information. 
5. Date of First Delinquency : The date of the first delinquency related to the account, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1692 ).

This account is being incorrectly reported as a revolving account and not a collection and causing monthly delinquency. This is fraud I take this matter very seriously, as identity theft can have profound impacts on my financial health and credit standing. Please respond to this request within the legally required timeframe. While this information is being verified this must be removed from my credit report. This information may not be added back because the account is fraud Failure to provide the requested information should result in the removal of the fraudulent accounts from my credit report.