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

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX
Product: Payday loan, title loan, or personal loan

I received a vehicle title loan a week later I was laid off the loan had insurance as if I were to loose my job I was covered - I submitted the information meantime covid hit I became homeless and lost my mailing address. I did not receive any mail from this company nor towing company to make me aware they were repossessing my vehicle My car was repossessed on XX/XX/2020 the lendmark financial says if I give them {$300.00} its the towing company thats charging {$650.00} for repossession Please help me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the money source mortgage co in the month of XXXX has reported to the credit bureaus the i am delinquent and 30 days late i have called multiple times to have them fix there mistake with no luck they say they will return my call but never do this has completely destroyed my credit with a cascade effect such as other institutes cancelling or lowering my credit limits to even further take my score lower in the past 60 days my score has dropped over 150 points for no reason i have never made a late payment on any of my accounts i worked for the last nine years to  build perfect credit this has taken away all the hard work in a moment please help me with this
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on 7/20-30, 6/20-30, 5/20-30 does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 
I have always valued my relationship with XXXX XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing.

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out multiple disputes never acknowledge my issues that I addressed by letters. 
XX/XX/XXXX and XX/XX/XXXX and XX/XX/11 this letters were not taking into consideration. I feel like my issues are being neglected on the behalf of the credit bureaus. 
XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) this accounts are showing inaccurate with the incorrect date, and also not entered in the dispute status
Product: Credit card or prepaid card

I would like to report Predatory Lending practices on behalf of Elan Financial Services. A previous complaint was filed in which they admitted they had told me I was not required to pay an exorbitant minimum payment for the month of XXXX, but is still charging me anyway. This is Predatory Lending practices. 

Elan Financial 's response to my complaint was " Our review found that you were provided inaccurate information regarding how your credit from XXXX was applied to your account. We have confirmed that the account is not being reported as delinquent for XX/XX/2023. '' Their response also stated my XXXX balance was {$6000.00} and that they received my {$160.00} payment ( as I was told by their Customer Service that I did not need to make the exorbitant payment of {$1100.00} minimum due because my Target credit was received on XX/XX/2023. Elan 's response then goes on to say by XXXX statement had a balance of {$4800.00} and a minimum payment of {$1000.00} ''. 

How can I have a XXXX balance of XXXX, if only {$160.00} was applied? 

Elan flat-out lied to me ( as a holder of the XXXX XXXX XXXX ) about receiving the XXXX credit of {$1100.00} on XX/XX/2023. They told me on the phone that I no longer needed to pay the {$1100.00} minimum due and that they would note this in my file. 

Elan is still saying they want the {$1100.00} by XX/XX/XXXX, even after admitting THEIR mistake ( i.e. " you were provided inaccurate information ... '' ). 

I refuse to pay 25 % of my balance due to ELAN taking XXXX weeks to credit a return back my account. Elan 's response to my complaint states they still want me to pay {$840.00} on top of the {$360.00} that I have already paid.
Product: Money transfer, virtual currency, or money service

Following complaint ID : XXXX A text message to my cell phone showing up as chase was sent letting me know there was unauthorized activity on my account. 

When I declined the activity I received a phone call showing up AS CHASE on caller Id. 

They told me that I had multiple pending transactions of {$2000.00} leaving my account and we need to cancel cards and move forward with stopping the transaction. 

I did not authorize and transactions to anyone except a {$2000.00} transaction earlier in the day to an employee. 

They read transactions off my statement to me and then asked me to confirm or decline them based on if they were authorized or not. 

I sent images of the caller ID and the texts claiming to be chase. 

Chase denied the claim. 

We have spoken to several attorneys regarding the case and they said there have been multiple cases and suggested trying to work it out with chase again because it IS covered under regulation XXXX If that fails they said to contact the appropriate government agency to enforce regulation XXXX and see if they can get a resolution. 

If they still arent competing immediately they said to call the local news channels and try to get the story live because they have heard several other cases and they see multiple news stories outlining the exact same circumstances, and at the point they aired the consumers all were reimbursed. 

They said to try and air a story urging for all others who were fraudulently induced into the same situation to contact them and then air their story. 

Chase declined the original complaint even though the calls and texts had substantial evidence leading to the belief it was in fact chase bank calling, including account information and transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I filed disputes on my credit reports with Experian, XXXX and XXXX after learning that I had been the victim of identity theft, with an unauthorized credit account being opened for {$1000.00} in my name with XXXX. I filed my FTC identity theft complaint, as well as my police complaints, along with my filed disputes. By XX/XX/2023, XXXX and XXXX had removed the unauthorized account from my credit reports. 

Experian subsequently updated my account to also remove this unauthorized account, only to subsequently add it back to my report and the " credit grantor subsequently certified the accuracy '' of the account. When I attempted to submit additional documents in support of my dispute, namely a document from XXXX stating that I am not responsible for the account, which goes entirely contrary to what Experian claims the creditor told it, Experian told me that it would no longer be investigating my dispute and accused me via email of either : ( XXXX ) materially misrepresenting this fraudulent activity ; ( XXXX ) agreeing in writing that the information was blocked in error ; or ( XXXX ) knowingly obtaining or should have knowingly obtaining possession of the goods pursuant to this transaction. No other credit agency has found this to be true and I have a document from XXXX stating that I am not responsible for this account that Experian is unwilling to review.
Product: Credit reporting or other personal consumer reports

There is a mortgage loan that doesnt belong to me in my credit report. I dont have a mortgage at all. 

The loan is shown in the Experian consumer credit reporting company report. I filed a dispute. Experian sent me an email with the dispute resolution. 

I cant open the email to access the dispute. I get an error message. Also, I called Experian and I cant talk to an agent to know the dispute findings. The call menu doesnt allow me to do so.
Product: Credit reporting or other personal consumer reports

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

I am a XXXX XXXX XXXX XXXX and sole proprietor. NFCU denied my request to open a business banking. Due to being denied, I continued to get paid via ACH transactions. I qualified for PAyroll protection program through XXXX and in order to have a separate account to monitor the spending, I had the money to be sent to my checking account XX/XX/2020. A week later, they froze all of my accounts and credit cards and refuse to release my funds. In order to get forgiveness I needed to use the funding in 8 weeks on eligible expenses ... Im in week 4. Im submitted an appeal, called and sent messages and they have yet to unfreeze my account. Apparently, NFCU has done this to many of 1099 XXXX XXXX   who do not have a business account with them. This isnt fair! I havent even been able to pay my monthly bills!
Product: Mortgage

The company provided an incorrect 1098 tax form that does not reflect the points paid down at the time of purchase. I contacted the company about getting a corrected form. They first said they needed 48 hours to investigate and would contact me. After a week of not hearing back from them, I reached out, and they informed me the original company would have to provide a 1098 with that information, since they took over the loan. The deal was done in XXXX. The first payment went to this company in XXXX. Regardless, the 1098 should reflect points paid. They never contacted me with this info, and I don't believe they ever intended to. This has delayed the completion of my taxes.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX XXXX Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am disputing inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have identified significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Derogatory '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Canceled by credit grantor. '' XXXX : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Paid '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Account has been closed due to inactivity. '' XXXX : No information reported. 

These inconsistencies between the credit bureaus, particularly regarding the account rating, account status, and reasons for closure, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they report. TransUnion reports the account as derogatory, while XXXX shows it as paid. Additionally, the reasons for closure vary, with TransUnion reporting it as canceled by the credit grantor and XXXX indicating it was closed due to inactivity. XXXX does not report this account at all. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding my credit obligations and payment history. These discrepancies negatively affect my credit history and misrepresent my financial standing. 

I request that, under the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus clearly show that the reported information is not accurate. Please provide me with the results of your investigation and a corrected report as soon as possible. 

For your reference, I have attached copies of my credit reports highlighting these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

The debit has been charged off and the 1099C copy B is evidence that it's now considered a certificate of indebtedness and its unlaw to show a consumer income on a consumer report.
Product: Credit reporting or other personal consumer reports

Experian has no written instructions to share my information and has committed identity theft from sharing my information and obtaining my information no in accordance to the requirement of the FCRA
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding serious inaccuracies present in my TRANSUNION credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my TRANSUNION credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. 
Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge TRANSUNION to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion are reporting this XXXX credit card with an outdated balance and payment information as this has not been reported for 3 months. Please update the balance as provided by XXXX. XXXX  statement provided. 

This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus XXXX, Transunion, and XXXX. The following documentation is provided from the original creditor of the payment and therefore XXXX, Transunion, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

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

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

The CCB/ULTA account with the account number XXXXwas marked as Charge-off with an identified balance of {$290.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Payment history '' .Reinvestigate the account thoroughly and furnish all documents you will be using for me to confirm. Nonetheless, remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint today to inform the Credit Reporting Agencies about the damaging data they are reporting on my Credit File. After researching how to remove fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to FCRA section 605b, the Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID Theft Report. Upon recently receiving a copy of my credit report, I was shocked to find several accounts and inquiries that I did not open and have no knowledge of. I have attached relevant documents to assist in the blocking of this erroneous information from being posted on my report. The items in question are as follows : XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I firmly believe that this is a case of fraudulent activity, and I am taking steps to report it to the authorities. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must block any information in the file of a consumer that the consumer identifies as information resulting from the fraud, not later than 4 business days after the date of receipt.