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

To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$970.00} XXXX {$1000.00} XXXX {$680.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$190.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$640.00} Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened XXXX Balance {$980.00} Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened :XX/XX/XXXX Balance {$1000.00} Account Name : DIVERSIFIED CONSULTANTS Account Number :XXXX Date Opened :XXXX Balance {$2900.00} Account Name : XXXX/XXXX Account Number :XXXX Date Opened :XX/XX/XXXX Balance {$13000.00} Account Name : XXXX/XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$140.00} Account Name : XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$0.00}
Product: Checking or savings account

On XX/XX/XXXX, an online bill pay was scheduled for my daughters XXXX. Unfortunately, the payment was sent to the wrong address. I contacted Bank of America, and changed the address & asked them to reissue another check. Sadly, the change was never updated and an additional check was issued to another wrong address. After communicating with the XXXX, two weeks later, the checks had still not arrived. Another check was issued, this time with the correct address, but it was expected to arrive a month after the payment due date. I requested another check be mailed using overnight service & a refund of a {$50.00} late fee was issued by the bank, since the XXXX was no longer patiently waiting for their payment. The check arrived the following day, so I thought my concerns with Bank of America were resolved. Unfortunately, a week later, my online bill pay account experienced some dramatic failures. I have alerts set up on my account, to be sent to the same email address that has been active on my account since I opened it 15 years ago. The alerts are for when money is transferred into my account & when my account is overdrawn. I did not receive any of those alerts to my email. This is the first time this has ever happened. I was charged {$70.00} for overdrawn items. After contacting Bank of America and speaking with two supervisors, they were only willing to refund one overdrawn fee, despite making false statements about the accuracy of my email address and the accuracy of the alerts set up on the accounts. They claimed that alerts that had been set up on my account for many years were not active, despite receiving one through my mobile app the morning of the dispute. Im concerned that the overall accuracy of my account has been compromised. There unwillingness to refund the charges, when obviously strange and unaccounted for discrepancies happened, is not only disappointing and upsetting, but the lack of accountability from Bank of America is shameful. I was charged late fees for discrepancies solely related to bank errors. They claim that since the bills were paid in full, with no late fees ( this time ) that they were not willing to issue any further refunds. I have been a customer for 15 years, never had any issues as dramatic and upsetting as this & the lack of customer support is disgusting. I hope my experience can be used as a learning tool for other customers. TAKE YOUR MONEY TO A DIFFERENT BANK!
Product: Credit card or prepaid card

Several fraudulent charges were made on my account. I contacted the company on or about XX/XX/XXXX and tried to resolve the fraud charges. I was told that I need to contact the venders to resolve these charges. I don't know where or how to contact venders about charges that were made on my account. I requested that the account be closed and they continue to charge me monthly fees, etc. and my account is still open and they refuse to remove the fraudulent charges that were made on the account. Every time I call to try to resolve this I am placed on hold for well over an hour. I have no other way of contacting someone and have repeatedly asked that my account be closed. It does not appear that this has been done and more charges are being incurred.
Product: Checking or savings account

I HAD BEEN MAKING PAYMENTS TO AN ATTORNEY TO HANDLE A TAX PROBLEM I HAD, AND I MADE 10 PAYMENTS THAT ADDED UP TO {$7800.00} AFTER I HAD MADE MY LAST PAYMENT I COULD NOT GET IN TOUCH WITH THEM, SO I HAD MY BSANK RECALL THE 10 PAYMENTS TO MY ACCOUNT AND THEY DID, AND THEN MY ATTORNEY CONTACTED ME AND TOLD ME THAT NOBODY WAS IN THE OFFICE BECAUSE OF COVID 19, AND WE IRONED IT OUT AND I TOLD THEM I WOULD GET A CHECK FOR THE TOTAL AMOUNT AND DELIVER IT TO THE THEM THE NEXT DAY, SO I WENT TO THE BANK AND HAD MY BANK MAKE ME A CASHIERS CHECK FOR {$7800.00} AND THEY CHARGED ME {$10.00} AND MY ACCOUNT HISTORY SHOWS ALL OF THIS, SO AFTER I DELIVERED IT, THAT SHOULD HAVE BEEN IT FINISHED, BUT IT WASNT, MY BANK STARTED PUTTING THOSE 10 TRANSACTIONS BACK IN TO THE OTHER ACOUNT AGAIN, AND I CALLED WHEN I NOTICED THIS BECAUSE THEY WERE USING THE MONEY I HAD IN MY ACCOUNT TO DO THIS AS WELL AS MONEY I DIDNT HAVE, AFTER I LET THEM KNOW THEY STARTED BRINGING BTHOSE 10 TRANSACTIONS BACK AGAIN BUT ONLY BROUGHT BACK 4 OF THEM AND THE OTHER 6 THEY DID NOT AND THEY TOLD ME THAT THE TIME ALLOTTED FOR THIS HAD BEEN EXCEEDED, AND I SAID. " WHAT? '' I AM NOT THE ONE THAT MADE THESE TRANSACTIONS, AND I DID NOT ASK FOR THIS EITHER, AND I POINTED OUT THAT THE CASHIERS CHECK THAT MY BANK MADE WAS FOR THE SAME AMOUNT, TO THE SAME PLACE? AND THEY JUST LEFT IT LIKE THAT AND LEFT ME WITH A {$5500.00} DEBT AND ARE MAKING ME THE RESPONSIBLE PERSON FOR THIS, MY BANK DID THIS WITH OUT ME KNOWING AND I WAS NOT EVEN THERE WHEN THEY DID THIS, IT WAS ALL DONE BEHIND THE COUNTER AND NOT AUTHORIZED BY ME, AND TILL THIS DAY THEY STILL IGNORE EVERY EMAIL I SEND TO THEM IN REGARDS TO THIS AND THIS HAPPENED MORE THAN A YEAR AGO, IS IS HAVING A BAD AFFECT ON MY FINANCIAL STATUS AND CREDIT, I HAVE THE DATES AND ALL THE TRANSACTIONS FOR THE AMOUNTS AND THE DAY THAT IT WAS DONE, AS WELL AS SOME EMAILS THAT I SENT TO THEM I DONT KNOW WHAT ELSE I CAN DO TO RESOLVE THIS AND EVERYTIME I CALL AND ASK ... ... THEY TURN IT AROUND AS IF I DID THE TRANSACTIONS AND I DID NOT, IT IS VERY CLEAR THAT WHAT THEY DID WAS WRONG BUT THEY WILL NOT DO ANYTHING ABOUT IT, THEY ADMITTEDE BEING WRONG WHEN THEY BEGAN PUTTING THE MONEY BACK IUNTO MY ACCOUNT THE SECOND TIME, BUT FAILED TO PUT BACK ALL OF IT please help me with this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Thefollowingaccountsthatarelistedonmycreditreportarefraudulent.Ihavetriedtocorrectthisissuemultipletimeswithnosuccesswiththecreditbureau.XXXXXXXXXXXXXXXXXXXXXXXX,$XXXX,openedonXX/XX/XXXX.XXXXXXXX,$XXXX,openedonXX/XX/XXXX.XXXXXXXX,$XXXX,openedonXX/XX/XXXX.XXXX,$XXXX,openedonXX/XX/XXXX.XXXXXXXX$XXXX,openedonXX/XX/XXXXChapterXXXXBankruptcyDischarged,filingdateXX/XX/XXXX,referencenumberXXXX,U.S.BankruptcyCourt.Theabovereferencedaccountsareonmycreditfilewithoutmyknowledgeorconsent.Pleaseinvestigate.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equafax are reporting information on my credit report that dont belong to me. I also dont have any Knowledge of these inquries that are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 When a credit reporting agency makes a mistake in your credit report, it can cause serious problems. However, the FCRA offers you protection from credit reporting agencies and creditors who report erroneous credit information, fail to remove errors, or use your report for forbidden purposes.
Product: Debt collection

Phoenix Recovery XXXX XXXX is not contracted by XXXXXXXX XXXX XXXX XXXXXXXX to collect debt as the Manager informed me. They have their own collection agency which is not Phoenix Recovery. I have been going on with this for years now with this agency to remove this account off my credit reports. 
I have also requested for validations from them through sending certified mail on occasions but to no avail. They keep insisting that they work for XXXX XXXX XXXX XXXX as their collection agency. I would appreciate it if you could do something about this as it is hurting me from acquiring an apartment here in XXXX. 
Furthermore, the manager at this Apartments said she had no information regarding my stay there. I left XXXX almost 7 years ago for work. I travel from state to state.
Product: Debt collection

I saw the account on my credit report and wrote the company and disputed it on all 3 credit bureaus, I never got an answer or correct information. I never opened the account. XXXX has deleted the account as you can see in the attached document. 

I just want it deleted from XXXX and XXXX.
Product: Credit reporting

I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of Experian, XXXX and XXXX
Product: Mortgage

In XXXX of 2021 the mortgage that we hold was bought out by Carrington LLC. 
When they bought the loan, they bought it just as the payment was due from our former carrier and as a result we needed to make two mortgage payments- one for XXXX and one for XXXX. One XX/XX/XXXX I made a payment for XXXX which covered XXXX and XXXX mortgage. It was not late as they were in the process of changing companies. 

The payment was split into two. XXXX went to the principal which it was NOT supposed to do. I spoke with their customer service department in XXXX and in XXXX and was told this was fixed. Turns out not only was it not fixed but now we are behind 40 days and it hit our credtit I Spoke with customer service again in XXXX and XXXX and they told me not to make a payment in XXXX as it would resolve this issue. They payment still came out of my account and it bounced twice. Now I have late fees and can not make a payment due to the bounce status of the old check. 

I am working to resolve this however, I can not make a payment unless I use certified funds and the company is telling me that if I don't fix this now, I will have another hit to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX and Experian credit reporting continues to report invalid and time barred information on my credit report. I have provided information to support my claim. XXXX has removed the inaccurate information. The FTC states Date of first delinquency ( DOFD ) are to be removed from your credit report within 7 years from DOFD. MO revised Statue collection dates has expired. XXXX XXXX loan open date XX/XX/XXXX with DOFD of XX/XX/XXXX. XXXX XXXX loan open date XX/XX/XXXX with DOFD of XX/XX/XXXX. XXXX XXXX loan open date XX/XX/XXXX with DOFD of XX/XX/XXXX. XXXX XXXX are using the Date of Last activity DOLA ( when they were discharged from my XXXX XXXXXXXX ) to keep account on my credit report not Date of First Delinquency to remove it. This is causing Finacial harm. I had requested this removed since XX/XX/XXXX and again XX/XX/XXXX and no action have been taken, except for them saying it will remain on my credit report u till XXXX. 

View full complaint
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the blocking and deletion of the following inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these inquiries removed from my credit file. 
Inquiries : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information listed on my XXXX and Experian credit report is fraudulent, unauthorized and not my accounts, credit inquiries or payment history : XXXXXXXX XXXX XXXX, {$140.00}, XX/XX/2020. Credit Inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020. Payment History : XXXX XXXXXXXX XXXX payment history is fraudulent.
Product: Debt collection

This company continues to call and contact me from different numbers daily. When I told them the debt is not valid and to stop contacting me. After blocking their number. They would call again either the same day or the next from a new number
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Visa Signature Account Number : XXXX XXXX XXXX XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX ( XXXX ) XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Formal Dispute of Charge-Off Account Reporting Associated with Account Number ( XXXX ) Dear XXXX XXXX XXXX , I am writing to formally dispute the reporting of the charge-off account associated with [ XXXX ] on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. 
Additionally, under Illinois law, I am requesting proper validation of this debt. 
To properly validate this account, I am requesting the following : 1. Authenticated Double-Entry Accounting Records : I am requesting full double-entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt. 

2. Authenticated Evidence Based on [ Your State ] Law : In addition to the accounting records, I require authenticated evidence, in compliance with Illinois debt collection laws, that you have the legal right to report and collect This debt. This includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to credit bureaus. 
Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection laws. 

3. 1099-C Form : If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, which is required if the amount of canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed on my credit report. 


In the absence of the requested documentation and verifiable evidence, I request that you immediately delete this account from my credit report in compliance with the FCRA and Illinois state law. Failure to do so will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Report ( SAR ) to the IRS for suspicion of fraud. 
The SAR ( FinCEN Form 111 ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. Please respond within 30 days of receipt of this letter. I look forward to receiving the required documentation or confirmation that the account has been deleted. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to file this please as my formal complaint to ARIVO ACCEPTANCE for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice My social has a fraud alert on it. I contact all respected bureaus to remove the alert. Everyone took off the alert except Experian. It's been over 60 days. I've mailed in requested documents certified mailed and I also disputed via online. However, it's still showing up as a fraud alert on my profile. Below I've attached the report numbers and confirmation. 

XXXX XXXX, The results of the processing of your dispute ( s ) are now available. View the results instantly online. 

For your protection, the results will be available online for 30 days. 

Your Report Number is : XXXX Your Investigation ID is : 01 XXXX XXXX, The results of the processing of your dispute ( s ) are now available. View the results instantly online. 

For your protection, the results will be available online for 30 days. 

Your Report Number is : XXXX Your Investigation ID is : 02