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

I hope this message reaches you in excellent physical condition. 
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore.
Product: Credit card

I had a credit card with Navy Federal Credit Union, my personal bank. I have had this account closed since XXXX, when Navy Federal closed my account due to credit score. Per the last call I had with them on XX/XX/XXXX, they are showing a 30 day late in XX/XX/XXXX from the XXXX and XXXX billing cycle. Once my paycheck hits my account, any past due amount has been taken care of before a 30 day late can be assessed. When I asked about this, I was told that they can not look at why this happened since it was almost a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 

The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX : 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Checking or savings account

i lost my XXXX XXXX money orders contact the company XXXX XXXX they send me refunds checks for my lost mo i have never recieved my checks after investigating with XXXX XXXX help we find out that some one got hold of my cashier checks and cashed it in hsbc bank i never have a bank account with hsbc also the signatures on the back is not mine i send request to hsbc about this they never respond to me need to know how they deposit my checks when i dont have account with theme? there customer stold my checks and deposit it in there account they should see the name before depositing checks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under XXXX XXXX 15 Under USC XXXXb XXXX XXXX ( b ) 15 USC XXXX 15 USC XXXXi XXXX XXXX XXXX XXXX XXXX XXXX 15 usc XXXXe ( b ) 15 usc XXXX ( A ) XXXX XXXX Part XXXX and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. XXXX XXXXi ( a ), XXXX XXXX XXXX you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXXXXXX XXXX XXXX XXXX4 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out XXXX now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$190.00} XXXX XXXX XXXX Balance {$4100.00} Date Opened XX/XX/XXXXXXXX XXXXInquiriesXXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM WRITING TO DISPUTE SOME INQUIRIES, ON MY ACCOUNT. I DID NOT APPLY FOR ANYTHING AT ANY OF THESE COMPANIES. PLEASE REMOVE INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I WAS PRE APPROVED ON ONE CAR LOAN FOR CREDIT ACCEPTANCE ON XX/XX/XXXX AND WENT TO THE DEALERSHIPS WITH THE PRE- APPROVED LOAN AND THEY STILL RAN MY CREDIT WITH MULTIPLE COMPANY AFTER I ASKED THEM NOT TOO BECAUSE I ALREADY HAD AN APPROVED LOAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$18000.00}.
Product: Credit card

First Digital Master Credit card ; XXXX ; XXXX ; Hereon this day of XX/XX/XXXX this legal notification as in fact a Statement of Claim, notifying you as an official party, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), of a certain legal action, cause or matter, my First Digital XXXX Credit card XXXX account. I had paid my bill on time however, I was still charged a late fee in accordance to, XXXX XXXX XXXX XXXX of XX/XX/XXXX, also the next business day falls on a XX/XX/XXXX, XX/XX/XXXX is XXXX XXXX, in addition, unreasonably, I havent got a billing Statement every since I had the First Digital Master Credit card XXXX, therefore, I should not have been charged, a certain late fee cause it was paid on time. Therefrom, in conjunction ; hereto this so stated pleading legal cause or matter, also as an official party you must also plead hereto this legal notice as a pleading, as being in fact True or False, under a certain Oath as well as a Testimony, within XXXX hrs., hereafter service of this legal notice to you as Myccpay, party officials First XXXX XXXX Credit card XXXX, XXXX ; XXXX XXXX XXXX XXXX ), ; hereafter XXXX hrs. no objection, submitted, hereto this legal notice, cause or matter will result in any and all legal claims, being in fact a pleading, will hereby deem denied and unacceptable, and you as an official party, hereto this legal notice will hereby deem, a refusal to respond, also you must service your response hereto to myself XXXX XXXX XXXX, email : XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX XXXX  partial account number XXXX. XXXX  and Experian are failing to show the following accounts In Dispute. XXXX XXXX partial account number XXXX ; XXXX ; XXXX and XXXX. XXXX  is failing to report the following accounts are In Dispute. XXXX XXXX partial account number **** XXXX and XXXX. I have sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Product: Credit reporting

trans union report i have too many delinquinces i have none also i have account through XXXX i hane no time since delinquinces none at this time
Product: Credit reporting or other personal consumer reports

I am in chapter XXXX bankruptcy all accounts should be XXXX owed/XXXX  due and no negative remarks should be posted on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Score dropped 27 points in one day with no imput or usage on my part. 
History says Bankruptcies- I have never initiated or had a bankruptcy. 
History- * I only use 2 cards one with XXXX balance, the other is satisfied every month to XXXX. 
. * auto-Installment are used for all recurring charges, I only have 1 per month at this time for {$200.00}. 
* Monthly payments are paid in full as requested. 
* No auto loan at this time paid in full 2-3 months ago. 
* No new credit cards opened in 3years.
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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. DPT ED/XXXX XXXXXXXX
Product: Checking or savings account

ILLEGAL OUT OF STATE GARNISHMENT - I live in XXXX XXXX I have XXXX accounts with Chase Bank. Someone got a judgment against me with regard to a company that went bankrupt in XXXX  State that was determined to be a ponzi scheme. All transfers made by that company before it went bankrupt were able to be avoided by the trustee including payments to me and others. I was a victim. That person went to jail. A judgment was entered against me in XXXX. A debt collector law firm registered the judgment in XXXX XXXX, XXXX on XX/XX/XXXX and filed a writ of garnishment against my bank accounts in XXXX XXXX in XXXX XXXX XXXX where I have never lived or done any business or even visited. They sent it to Chase Bank because Chase bank does business in XXXX XXXX and I bank at Chase Bank in XXXX. Chase Bank froze my wife 's and my XXXX accounts XX/XX/XXXX for XXXX. XXXX was a sole proprietorship dba business account with most of our small business ' customers ' money, XXXX was a joint personal checking and XXXX was a personal savings account. They almost put us out of business. I had no money for food, no working capital, no money to survive on. We received the notice of course after the freeze. The courts don't care, the lawyers don't care. XXXX has exemptions that allow you to have some money left to survive on but XXXX doesn't. Chase applied the XXXX state exemption of {$500.00} and left us with only {$500.00} to live on. We work for ourselves so we had no paycheck coming in for money. They took our whole source of income. That should be illegal. The collection lawyers are supposed to come to XXXX with the judgment so I can fight it in XXXX and apply XXXX exemptions. My agreement with Chase says my account is located where I opened my account in person or where I live if I opened it digitally. I didn't open my account in the state of XXXX
Product: Credit card

During the months when I was receiving unemployment for the state of Portland, I had hackers, illegally hacking into my accounts, including XXXX, my bank account at XXXX XXXX XXXX  and numerous other accounts namely for this report my Kohl 's account in order to prevent me from using my credit, and forcing me to use my unemployment money that they were intentionally delaying and tampering with my passwords in order to force me to become indigent and homeless. At the time, someone stole all my clothing and I needed to replace my clothing on a budget so my Kohl 's card was the most responsible choice since I had paid the card off in full and it was current. I gave no one permission to close my kohl 's card and needed to keep it open to build my credit. The card was illegally shut off and I was forced to spend money I didn't have on other expenses including the clothing that was taken from me. The account credit line was good, I hadn't missed any payments and the account was current and paid off in full, closing my card is illegal and abuse of my consumer rights. I need this account reopened immediately. The card number is worn on the card but appears to read as follows, XXXX XXXX, the last five digits on the card are clear XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : DISPUTEXXXX XXXX XXXXXXXX RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I was denied an extension of credit by UPLIFT on XX/XX/XXXX. 

AS you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim in adverse action against a consumer. Pursuant 15 U.S Coode 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). UPLIFT has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. UPLIFT should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any account that is found to be opened due to identity theft. It appears that my credit with you has been compromised, this account being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The listed account that they must remove XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute against XXXX regarding incorrect information on my credit report, which has caused a significant decrease in my XXXX XXXX. After obtaining my latest credit report in XX/XX/XXXX, I noticed that my XXXX XXXX had dropped from XXXX to XXXX. XXXX reported that this decrease was due to XXXX past-due payments on a student loan taken out by my brother through Discover Bank XXXX for which I am a cosigner. 

Upon reviewing the details of the report, I discovered that additional months were incorrectly marked as late, despite timely payments being made to XXXX XXXX, the new loan servicer. Specifically : XXXX. The student loan was transferred from Discover to XXXX XXXX on XX/XX/XXXX. 
XXXX. Payments for the months marked as late were made on time to XXXX XXXX. 

Timeline of Actions Taken : XX/XX/XXXX : I filed a dispute with XXXX ( Report Number XXXX ). Unfortunately, the dispute outcome did not correct the inaccuracies. 
XX/XX/XXXX : I opened a second dispute with XXXX ( Report XXXX XXXX ), which also resulted in the same errors being reported. 
Frustrated by the lack of resolution, I contacted XXXX XXXX to clarify the accounts status. XXXX XXXX confirmed : They had not yet updated the credit bureaus. 
My brothers account was current, with no late payments. 
They recommended that I contact Discover, as XXXX does not have access to the payment history from Discover Bank. 
XX/XX/XXXX ( XXXX XXXX  ) : I contacted Discover Bank and explained the situation. They opened an investigation, assured me they would notify the credit bureaus of the corrected payment history, and would send me a letter confirming their findings. 
XX/XX/XXXX : I received a letter from Discover Bank stating they had contacted the credit bureaus to ensure the payment history reflected the correct information. 

Despite these efforts, when I received my new XXXX credit report on XX/XX/XXXX, the same errors persisted. The report still shows XX/XX/XXXX as a late payment, even though the payment was made on time to XXXX XXXX. As a result, my XXXX XXXX remains unfairly low.