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

I am writing to urgently escalate a matter previously addressed in complaints filed on XX/XX/year> ( CFPB XXXX XXXX XXXX XXXX ), and XX/XX/year> ( CFPB XXXX XXXX XXXX XXXX ), concerning XXXX XXXX incorrect reporting of a business credit card to my personal credit report. 

Despite multiple correspondences and complaint filings, XXXX XXXX has yet to provide a satisfactory explanation or adequate documentation that justifies the reporting of the XXXX XXXX XXXX XXXX XXXX XXXX as a personal liability. The responses from XXXX XXXX, including the most recent dated XX/XX/year>, have failed to address my specific concerns about the absence of a personal guarantee. Notably, after XXXX XXXX initial response in XX/XX/year>, where they did not validate the account as a personal obligation, the account was removed from my personal credit report, only to resurface recently, contradicting the previous resolution. 

Additionally, this account never reported to my personal credit while it was current. It only appeared on my personal credit report after the business defaulted on the payment, which was later paid in full. The business associated with this card has fully paid the owed amount. Despite this, the account is erroneously being reported as a charge-off on my personal credit report. 

The re-emergence of this account and its incorrect status on my personal credit files is perplexing and alarming, especially since the documentation provided, including statements and a copy of the application information, does not constitute a binding personal agreement or evidence of a personal guarantee on my part. As the card was signed and used strictly in my capacity as a company XXXX XXXX XXXX XXXX and no personal guarantee was signed, it is inappropriate and erroneous to report this business debt on my personal credit files. 

Furthermore, XXXX XXXX has failed to validate this account properly, violating the Fair Credit Reporting Act ( FCRA ) multiple times. In their validation attempts, they merely sent statements, which do not prove that I personally guaranteed the account. This alone is sufficient reason for the immediate removal of this account from my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   OPENED AN ACCT IN  XXXX   XXXX . THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED ATT  XXXX / XXXX / XXXX  AND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TAKE  5-10 BU SINESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO  XXXX  ON  XXXX / XXXX / XXXX . THIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX   XXXX   XXXX  Original Creditor   XXXX   XXXX    XXXX  Opened Date  XXXX   XXXX ,  XXXX  Balance {$3600.00}
Product: Credit reporting or other personal consumer reports

I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights. 

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated. 
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 which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well!

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 which was violated. 

Additionally, EQUIFAX initially investigated and reviewed my FTC report and DELETED the inquiries for XXXX  inquiries and violated and failed to comply with FCRA consumer law by RE-INSERTING the inquiries back to my report ( see attached documented proof of FTC and EQUIFAXS own written document deleting inquiries from EQUIFAX CONFIRMATION # XXXX!!!! ), a month later!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Attn : XXXX  XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my XXXX XXXX Experian and XXXX report. My latest credit report shows XXXX credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within XXXX days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my Equifax report as well so in order to correct the inconsistencies between the Experian, XXXX and XXXX credit reports, the account needs to be deleted from the Experian and XXXX credit reports. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXXXXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$2500.00}
Product: Checking or savings account

I have been told multiple contradictory reasons for the denial with very little transparency.
Product: Debt collection

LVNV Funding is improperly and impermissibly reporting an account to the XXXX, XXXX  and XXXX  consumer as an unpaid " collection '' when the original XXXX XXXX XXXX account was removed due to fraud. Moreover, the account has been reported twice to each of the agencies - some with delinquencies reporting as late as XX/XX/2020. Complaints to LVNV Funding and the credit reporting agencies have been ignored.
Product: Credit reporting or other personal consumer reports

Subsequent to contacting each of the companies individually who have pulled a hard credit report and sending a copy of ny police report they refuse to remove hard inquires. 


Request you remove hard inquiries as I did not authorize them and I am a vitem of identity theft. This my third request Additionally I only lived at one address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX please remove all other addresses. 
My Business address is XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Pleas correct my name to XXXX XXXX I HAVE NO OTHER NAMES PLEASE REMOVE ANY OTHERS REMOVE THESE HARD IQUIRES listed on report equifaxreport XXXX XX/XX/XXXX as they are id theft ; XX/XX/XXXX Company XXXX XXXX XXXX, XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, TN XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX Date XX/XX/XXXX Company XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Company XXXX XXXX Address XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XX/XX/XXXX Company XXXX XXXXXXXX Address XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XX/XX/XXXX Company XXXX XXXXXXXX Address XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XX/XX/XXXX Company XXXX  XXXX Address XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX, Address XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date XX/XX/XXXX Company XXXX XXXXXXXX Address XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX Date XXXX XXXX, XXXX Company XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Date XX/XX/XXXX Company XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, OH XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have one collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.
Product: Debt collection

On XX/XX/2019, I received a letter in the mail ( dated XX/XX/2019 ) from a company called Franklin Collection Service , Inc claiming to have authority to collect a debt on behalf of XXXX for {$860.00}. I do not now, nor have I ever had an account with XXXX. I don't even have cable, but when I did have cable, it was through XXXX XXXX. I still use XXXX for internet service. Either this letter is fraudulent, or someone stole my identity to open an account. I have had no such correspondence with any other company and my credit report says no accounts have been open in my name for XXXX year so I suspect that this letter is fraudulent.
Product: Debt collection

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company CCI has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return card and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card showing that they sent me the notice before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Product: Debt collection

From XXXX when XXXX transferred my mortgage to Select Portfolio Servicing to the end of XXXX, Ive received notices of escrow shortages. Ive paid these shortages to maintain a monthly payment I could afford. As a senior, I receive all the exemptions Im entitled to receive. My property taxes have been pretty consistent. Ive changed homeowner policies when the premium has increased. I dont understand why Ive spent over {$3700.00} since XXXX due to escrow shortages. I did receive an escrow refund check for {$95.00} in XXXX, XXXX. My primary question is why does the escrow balance needed vary so widely and when I pay the shortages, my monthly payments still increase. In XXXX, my homeowners insurance increased to {$2900.00} which SPS paid XXXX XXXX. In XX/XX/XXXX I switched homeowners coverage at a cost of {$2200.00} which SPS paid in XX/XX/XXXX. I received a refund of {$1300.00} from the old company for XXXX months of coverage not used, phone SPS to find out the difference from their paying both policies and {$1000.00} was the amount. This double payment increased my payment which still has my payment higher than it was. Im confused about their practices.
Product: Credit card or prepaid card

I enrolled in a forebarence in XXXX. My XXXX payment was skipped. Citi still withdrew the monthly payment XX/XX/XXXX despite this. I called them on XX/XX/XXXX and could not reach anyone due to phone issues. I contacted someone via chat. They assured me it would credited in XXXX days. As of XX/XX/XXXX it had not been credited back. I contacted them again and they said they could not refund despite me having it in writing. I am also receiving NSF charges from my bank due to this.
Product: Credit reporting or other personal consumer reports

Hi mailed a letter to the credit bureaus to provide information of the debt /collections on my credit report and disputed the accounts. They did not provide the information validating these accounts and didnt not investigate when I submitted disputes.
Product: Payday loan, title loan, or personal loan

This was originally repossessed in XX/XX/2013 it's showing up under a new collector, not the original one extending the time now for another 7 years until it comes off my report. I would have never gotten a title loan if I had understood that the interest was so high I could never afford the payments on my truck. I paid cash {$17000.00} just four years  earlier and owned it in the free and clear I just needed extra cash because my son got into a life and death issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I paid a past due bill directly to XXXX who instead of applying the payment to the debt, passed the check on to their debt recovery agency Jefferson Capital Systems LLC. XXXX then claimed that my check (a cashier's check issued by XXXX Bank Bill Pay) was returned NSF. XXXX shows the check as being paid. Jefferson Capital Systems subsequently reported the debt as currently due over XXXX months after payment was made, driving my credit score down dramatically. Neither party will acknowledge responsibility for the error and I have not been credited with the nearly $XXXX payment that was made to XXXX. I have been told that the credit agency has XXXX days to respond to my complaint.
Product: Checking or savings account

On XX/XX/XXXX, I used my Citizens card ending in XXXX on my XXXX app in error, as soon as I made the purchase I signed into another bank I have and made a transfer of {$15.00} to cover the amount the account was overdrawn by. 

The XXXX transfer was made on the same day my account was overdrawn. 

For some reasons Citizens bank held the funds until XX/XX/XXXX. 



I attempted to contact Citizens bank via chat it kept going in circles it appears Citizens restricted my access from using chat. I used my mom and my aunts account to do a chat and they were able to communicate with Citizens via chat. 

I called their service center today XX/XX/XXXX and spoke with XXXX, I educated XXXX on the error Citizens bank made and asked her to rebate the fee assessed in error. 

She said this was not a bank error and that in order for me to learn the reason the online team did not post my account deposit I would need to speak with a different team. I asked to speak with her XXXX and before I could get done explaining myself she dumped me into the online banking queue, I was on hold for less than XXXX minute and so my call magically disconnected. 



I also sent Citizens bank chairman group and email and no one responded. I am tired of having to reach out for external support to have Citizens bank resolve an issue, It appears they intentionally held my XXXX transfer to post it on the XXXX so a fee can be assessed. 

I am tired of them using these deceptive practices to bill consumer fees.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

PNC Bank fails to provide a fair and easy system for non-bank members to submit auto loan payments. I got stuck with PNC when I bought a vehicle at a dealership and found out that PNC has provided XXXX different websites for receiving payments. Forced to use XXXX to start which later disappears. I then have to use a 3rd party system which also discontinues, and now I am stuck with the worst version XXXX. This site fails to set up automated payments, fails to notify me of anything online when payments do not submit or if I am late. I have no records of payments made from other sites or the version my past employer was forced to setup just to pay on my truck one year. Only thing you can see is the montly payment information. What if I want to pay extra on principal one month - How do I know they processed it correctly!! 
No phone calls come in until AFTER 30 days late which they quickly report to credit bureaus. They will not talk about options to have it corrected and will not provide me a better system of making reliable payments. For such a wealthy corporation to use a website that my XXXX XXXX XXXX could build is beyone me! I truly think the inconvenience is intentional to force you to send a blank check or open a bank account with them. Then they can take full advantage of me I am sure. No Thanks! I want my credit report fixed NOW!!
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I sent a certified letter on XX/XX/year>, regarding inaccurate and unverifiable information on my credit report. The letter details multiple accounts with discrepancies, including unverifiable debts, incorrect " date last active, '' and accounts removed by other credit bureaus but still being reported by Equifax. Below is a summary of the disputed accounts : XXXX XXXX XXXX ( Account Number : XXXX ) Unverified account, no original creditor listed. 
XXXX ( Account Number : XXXX ) Incorrect date last active. 
XXXX ( Account Number : XXXX ) Past the statute of limitations in Texas. 
XXXX XXXX XXXX XXXX  ( Account XXXX : XXXX ) Unverified account. 
XXXX XXXX ( Account XXXX : XXXX ) Removal promised by collector but still reported. 
XXXX XXXX XXXX  ( Account Number : XXXX ) Unverified account, removed by XXXX XXXX linked to Equifax data breach. 
XXXX XXXX XXXX XXXX Account Number : XXXX ) Incorrect date last active. 
XXXX ( Account Number : XXXX ) Debt collector failed to provide proof. 
XXXX XXXX XXXX ( Account Number : XXXX ) Unverified account, no original creditor listed. 
XXXX XXXX XXXX ( Account Number : XXXX ) Incorrect date last active. 
XXXX XXXX XXXX ( Account Number : XXXX ) Unverified account, violation of FCRA. 
Despite my certified letter, Equifax has failed to provide the requested method of verification or sufficient documentation to validate these accounts. This is a violation of the Fair Credit Reporting Act ( FCRA ), including Sections 611 ( a ) ( 7 ), 616, and 617. 

I demand the immediate removal of these accounts from my credit report. Continued non-compliance will result in further legal action to enforce my rights under the FCRA.