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

XXXX and trans union are reporting closed accounts as if they are active
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I requested proper validation and verification or removal of this account. 

Please note : I am requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence that I have a legal obligation to pay you. 

Please provide the following : Detail of what the money you say I owe is for How the amount you claim owed was calculated Verify that the legal statute of limitations is still in effect Copy of your agreement with the original creditor Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) Provided a copy of any judgment you have received, if applicable Identify the original creditor Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent Please ACT IMMEDIATELY as I am sure you are aware that reporting invalidated information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue your collection issues.
Product: Checking or savings account

I had a over draft fee and NSF fee issues with this institution..Branch manager was very rude constantly wanted to cut me off and asked for her superior whom she referred me to XXXX XXXX as the regional manager ... XXXX XXXX calls me the next day after my initial call to him and escalation email to the banks XXXX and he calls me and does the same thing ... .constantly cuts me off without allowing to get my point across and its either his way or the highway and does not like to be questioned ... ..he then tells me I have 10 days to close my account or he is gon na close the checking account for me. This bank 's problem seems to trickle down from leadership to the branch manager as if it is ok for the branch manager to be rude to their customers since the regional manager believes he can be rude and constantly cut me off ... .I reached out to the parent company Zions bank which pushed me back to the president of the Nevada state bank XXXX XXXX and gave me a # to call which I did and a guy picked up the phone and said he is the chairman of the bank and he has seen my email and someone named XXXX will contact me. I do believe XXXX XXXX did not like me asking him the actual procedures and federal laws that over the entire process and I do find him that he is either using my race against me or perhaps has personal issue with someone escalating to the office of the president and then is making a decision for me to forcefully close my account ... ..I get to decide to close my account if and so I want to do such not XXXX XXXX unless my account meets the banks policy requirements being in the red for so many days and they can force the account closed due to negative funds ... I am requesting that XXXX 's XXXX decision because he just decided to close my checking account to be denied as well as requesting the bank to provide written policy for business checking account over draft fees and pending transactions as well as written Policy when can the bank close a checking account at their sole discretion. I do believe XXXX XXXX from Nevada State bank is using race in this decision and none others besides the fact I asked him to provide such information in writing and the fact I asked him not talk over me while I am telling him my issues ... So far from the branch Manager to her immediate supervisor who is XXXX XXXX very rude, unprofessional and XXXX possibly and not like being asked questions about federal laws and written policies.
Product: Debt collection

I was never on a lease with at a rental building called XXXX. i lived in the complex briefly but was never on the lease and only stayed there temporarily. Just recently I was contacted by a collection company stating that i owed XXXX. This ca n't be as I never was on any legal document. I 've attempted to have them send me the proof of debt to no avail as well as try to have the item removed by going directly to the bureaus. They are negatively affecting my ability to get a home loan at this point and I have no other place to turn. Please assist in any way that you can. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a store credit card through BJs with comenity bank ( newly updated to bread XXXX  ) and they have not reported any of my payment or balance updates since XXXX. 
I have been repairing my credit and processing a refinance loan and this impacted my debt to income ratio and continues to impact my XXXX XXXX. I have a XXXX balance and it displays as a XXXX  % usage last reported in XX/XX/2022. I sent a dispute to all XXXX credit reporting agencies and submitted an update request directly to comenity. The response I received is : We recognize that you've recently made a payment, but it is not reported to the credit bureaus. I understand how this can be frustrating for you. 
Because of a recent system update, we are not reporting account updates to credit bureaus while our processes get aligned for accuracy. We have our customers ' best interest in mind, and will soon resume our standard practice of providing updated account information to the consumer reporting agencies with each account billing. 


Is that even legal? They are purposely withholding updates to credit reporting which can both positively and negatively impact scores used for consideration in financial transactions.
Product: Checking or savings account

Chase locked my check account on the day i have direct deposited {$2200.00} to my account on XX/XX/2024 and I made transfer to external saving account in the amount of {$890.00}. Before i made the transfer the account was verified by chase throughXXXX small deposits. I see the status shows Funded on the same day however on the evening of the day around XXXX eastern time i got an email from chase transfer is canceled. I login to my account it says account is locked which I called the XXXX XXXX XXXX  I was then told account will be closed and did not tell me exact time when it will close. I can only get my money back when chase can close the account but the agent said currently restricted not closing and don't know when it will close and not sure when i will get money back. They are now holding my money hostage. The deposits are my direct pay from payroll there isn't much needed to verify funds. external account was verified by chase earlier with XXXX small deposits so i don't know what is the issue chase holding my money. I want my hard earned money back from Chase.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed accounts that was report accurately that I was in fact I paid on time the consumer reporting agency need to report all information with compliance accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates my report inside is the date in month also according to 15 USC Code 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 relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and was shocked to learn that ihave been a victim of identity theft.i found numerous accounts on my credit report that were not opened by me.this has been hurting me as i am in the process of purchasing a new home for me and my family, please remove all the fraudulent account from my credit report as soon as possible ......
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with the bureaus over this XXXX XXXX account for months and months! 

XXXX has illegally re-aged this account multiple times and currently lists the date of last activity as XX/XX/XXXX while Experian lists the date of last activity as XX/XX/XXXX. 

Obviously, this all is incorrect and violates the FCRA. XXXX has already removed this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, all should n't be reported to my account I told them who I was staying with put me out and use my identity to try to obtain Credit in my name
Product: Debt collection

I was not notified of the debt being present, was never given the option to pay for the debt prior to it being posted on to my credit report
Product: Money transfer, virtual currency, or money service

Send money From XXXX XXXX XXXX {$150.00}. On XXXX XX/XX/XXXX ref number XXXX through the Remitly Transfer Coy But Money could not transfer to the Account after sending 6 days On my request they Canceled the transaction but show still, in progress After many conversations It's in progress and no action pls gave favor and approach to remitly for my refunds. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00}
Product: Credit card

XXXX XXXX will not credit our account for two {$2400.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that we never made. My wife was scammed by someone with a XXXX XXXX XXXX XXXX. She made what she thought was a {$5.00} donation to charity that she was not given a receipt for and then a day later ( without a fraud warning from Capital One ) we saw that two {$2400.00} charges were made with XXXX XXXX XXXX XXXXn XXXX. We have been trying to get XXXX XXXX XXXX to put in writing that we never made the order and though they will verbally confirm it to us, they will not get on the phone with Capital One or write an email to support our claim, when it would take them just a short time to do so and someone is impersonating them. We have reported them to the XXXX XXXX XXXX and the State of Illinois.

Capital One has consistently given us the run around and has not contacted XXXX XXXX XXXX on our behalf to get their side of the transaction. We would think if someone was scamming on their name that they would care about that, but they do not. Capital One says because it was a chip transaction that they can not call it fraud and they can not put the dispute in our favor because we do not have proof from XXXX XXXX XXXX that the order never happened or the receipt from my wife.
Product: Vehicle loan or lease

In-accurate credit reporting and account management, violating my personal credit worthiness with significant impact on all credit bureaus. And was harassed until the inaccurate information published was settled.
Product: Mortgage

I trying to understand the modification i received with a defer payment of {$38.00} owed at the end of the loan. I have written in past and the problem was cured. But what alarming is the new modification in 2017 that I'm unfamiliar with that agreement. I ; m in need of clarity. I'm on time with mortgage payment and defer payment is issue, The modification need to transparent for the resident.
Product: Debt collection

I have a judgment on my record from a company KIMBALL TIREY & ST JOHN He refused to provide any information I even offered a settlement that they refused. I have disputed this on my credit report and its been deleted several times and re-added I would like this to go away. I have no idea who these people are or what this issue is about. Ive requested documentation which I have been denied.
Product: Credit reporting or other personal consumer reports

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized, and I ask that you delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX These inquires are fraudulent and I dont remember authorizing them to perform a hard inquiry on my credit report. 

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. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information listed below is inaccurate and I am requesting all three credit reporting bureaus to Delete the inaccurate information below. 
PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

This is a simple request. I want Wells Fargo Home Equity Loan to report the correct Balance and monthly payment amount to the credit reporting agencies. Specifically, HELOC # XXXX was reported XX/XX/2017 ( see attached ), after filing a dispute with all three credit reporting agencies one month ago, that the monthly payment was NOT {$11000.00}. The current monthly payment amount is {$1200.00} as of XX/XX/2017. The principal balance on XX/XX/2017 was {$410000.00}. Please report the XX/XX/2017 monthly amount due and the principal balance on that date. 
This issue of incorrect balance reporting and incorrect monthly amount due has unfairly raised my monthly expense profile for Debt To Income ratio calculations. It creates unnecessary confusion for lending requests resulting in denials of credit and depresses my FICO score unfairly.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX. I got an email that one of my children 's SSN may be compromised. I called Experian XXXXXXXX XXXX, I was told I would need to upload my driver 's license, and my daughters birth certificate, and I would be contacted in 1 business day. 3 days later, I called Experian. I was told I'd be called back in 1-3 days. 3 days later, I re-called... I was about to be re-told I'd be called back in 3 days, but I insisted to talk to a manager. I was transferred to the fraud department. I was told no one was available, and I would be called back in 3 days. I was contacted 3 days later and was told they think it was a mistake, that happens by someone mistyping, but they aren't sure, and there's nothing more to do, and to lock the credit reports of my XXXX XXXX XXXX. 2 weeks response for a " identity protection service '' that results in : " We're not sure, we can't help further, here 's some documents on what you could do next ''.
Product: Credit card or prepaid card

My Wisconsin Eppicard Child Support Card has been just closed without prior warning. SO it has been since XX/XX/XXXX since I could use my child support card. I keep calling and calling Eppicard customer service, Wisconsin Child Support, and my local county child support agency. No one can issue me a new card except Eppicard and they do not answer. No matter how long I sit on hold. My account is closed so even the automated service hangs up on me.
Product: Debt collection

I legitimately owe Walmart MasterCard ( Synchrony Bank ) money. But I have told them many times on the phone that I ca n't make my payments so I will be consolidating all of the credit cards I owe together for one monthly payment that will be distributed each month to all the credit cards I owe through my debt management plan that I 'm on. Yet, this number continues calling me day and night! They call in excess OVER 15 times a day, some calls are before XXXX and well after XXXX, I 've gotten calls at XXXX before. It 's gotten ridiculous, my phone rings all the time and I know it 's them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this debt constantly, I've noticed that it still remains only on one credit bureau which is XXXX. I have disputed it from all different aspects just to have it removed. It is not my debt and it is beyond a old debt I have continuously dealt with for years now. I've asked for contracts, verbal consent and still I have only received statements in the mail from Discover. I have asked for any contracts with signature attach to prove this is my debt. I have also sent the credit bureau all of the evidence I have, such as ; XXXX XXXX XXXX different statements with ( XXXX XXXX different balances attached to them as well. One was in the amount of {$5200.00} from XXXX. Second statement amount was from XXXX in the amount of {$6800.00}. Third statement was in XXXX at {$7500.00}. This alone would make most question the validity of this debt, and especially when it isn't your debt. I am still awaiting evidence that says I am responsible for this debt. Also the statues of limitation has expired on this debt that pertains to the state laws in GA. It says this account was opened in XXXX. Discover continues to send letters stating that they were provided with name, address, and other identifying information. I have yet to see any of this identifiable information, contracts etc. Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

LJ Ross is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 LJ Ross appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, XXXX, removed LJ Ross because there was no basis for their claim. I have disputed LJ Ross to XXXX 3 times and they keep coming back saying it's legitimately belonging to me. LJ Ross is destroying my credit/FICO scores by their false claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

These following accounts has failed to provide proof of debt. I am also a victim of XXXX date breach XXXX  and identity theft victim. 

The following accounts should be removed due to inaccuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX