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

Ive tried disputing multiple accounts on my credit report.every month since XX/XX/2023. I have previously sent multiple requests to validate my debt with attached account numbers and names Each month, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Under the Fair debt collection practices act I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation and the inaccuracies are still on my credit report. The charge of accounts are falsely manipulating the statute of limitations which is the FCRA violation. Please delete collections, charge offs inaccurate personal information immediately due to the Gramm-leach-Bailey act : Protection of non public personal information 15us code 6801. Negative accounts : block of information 15 is code 1681 C-2, and Accounts verified : Procedure in case of disputed accuracy. I havent gotten a response in over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 multiple inquiry letters to Transunion within these 60 days. I also had a fraud alert placed on my credit file on XX/XX/2017 that indicates anyone who runs my credit needs to call me verify my personal information and that was n't done and that violates my rights as a consumer. I explained to multiple CSR that their are multiples of certain places of inquiries that definitely indicate fraudulent activity but they do n't care. I reached out to the Transunion on more than one occasion to advise of my credit being pulled without my permission. They keep telling me there 's nothing they can do and inquiries are factual and no real foot work has been done to help me the consumer resolve this issue. The manager I spoke to told me they DONT DISPUTE inquiries when I know that 's not true. I need these inquiries removed as they are hendering my home buying process for my children and I.
Product: Checking or savings account

I received a letter in the mail from Chime about a new account and an email telling me to activate an account that I did not open. I called the bank to close the account and to get details but they would not provide those details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby, request your assistance in my dispute against CITICard for wrongful reporting of late payment XX/XX/2018. I have contacted them in three separate occassions, but they have chosen to ignore my documentation and plead to correct my credit. They have unfairly, deceptively and abusively reported incorrect 30-Day late Reporting for Citicard ending account no. XXXX for XX/XX/2018. See attached copy of the Citi monthly statement for billing period XX/XX/2018 to XX/XX/2018, listing XX/XX/2018 payment dated XX/XX/2018. The statement XXXX payment late fee listed as XX/XX/XXXX was for the posted payment of XX/XX/2018, also listed here. Also find included statements for billing period XX/XX/2018 to XX/XX/2018 and XX/XX/2018 to XX/XX/2018, listing XXXX payment made on XX/XX/2018, due on XX/XX/2018. You can clearly see that XX/XX/2018 payment was not paid 30 days late. It was due on XX/XX/2018 and received on XX/XX/2018 by CITI. 

This documentation clearly shows that CITI is in clear violation of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), Unfair, Deceptive and Abusive Act Practices ( UDAAP ), and Federal Trade Act ( FTA ) by requesting a lower monthly payment amount to keep account current and still reporting XX/XX/2018 payment as late to the credit bureau. If you see, all other months in 2018, I had similar balances and lower payments were allowed and paid to stay current. 

CITI has caused me harm and undue reputational damage by having credit denied and paying higher interest on other debts. I was unaware about this late reporting, until I tried to refinance my home recently and the bank provided this information. CITI deceived me to my detriment. I had no way of knowing the wrongful and abusive practices in CITI credit reporting. 

If you have any questions, please call me at XXXX. 

Sincerely, XXXX XXXX XXXX Attachments : CITI Billing statements
Product: Checking or savings account

I received money from a XXXX  account, afterwards my account got closed as a result of it with all the money in my account
Product: Credit reporting or other personal consumer reports

I just got a credit alert that I have a property in Massachusetts. I do not. Address is showing XXXX XXXX XXXX. XXXX, Massachusetts XXXX. Attached is my current address for the last 45 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple addresses on credit report, I verified my current and only address, for all others are undeliverable and must be removed as per FCRA. Mailed in copy of state issued driver license, and bank statement with my current and ONLY address. All three credit bureaus still have multiple addresses on my credit report and all 3 have different addresses?

Many of these addresses, I have not lived there? Furthermore there are 23 different XXXX XXXX that resides in a XXXX  miles radius here in XXXX, Tx. 
! I have ONE social security number, ONE drivers license, ONE address, ONE birth certificate, everything matches??! Why do I have multiple ADDRESSES on my credit report?, you can only claim ONE address for your place of residence in Texas its the LAW. My credit report is no different? I have mailed ( certified ) letters to all 3 bureaus and they still refuse to correct these fraudulent errors, on my credit report, my next course of action is to file a lawsuit in small claims court against all 3 bureaus.
Product: Credit card or prepaid card

On XX/XX/2021, I was unable to access my online account with Capital One. I have been using the same computer to log into my account and there is no reason for this suspicious alert to be initiated by Capital One. They insist on linking a phone number to your account so that they can pester you with unwanted text messages that the Customer has to pay for. The fact that Capital One does not have email to send a customer a Code for a 2 Step Verification needs to be investigated as well. All credit card companies and other agencies that use 2 step verifications give the user the option to receive their codes by phone or email, After spending nearly an hour on the phone as well as submitting my Identification, Capital One still has not unlocked my online account. Since I pay my bill online and do not receive paper statements, Capital One needs to unlock my account otherwise I will close both accounts. If I am charged a Late Fee because my account can not be paid on time, I will present this matter for dispute.
Product: Credit reporting or other personal consumer reports

I was not properly notified of a debt by XXXX XXXX XXXX ( " XXXX '' ), which sent collection notices to an outdated address despite my updated address being available. XXXX continued collection activities without verifying the debt, violating the FDCPA and FCRA. Additionally, the amount reported by XXXX differs from the final bill and ignores an unprocessed energy draft. The credit reporting agencies ( XXXX, XXXX, TransUnion ) are reporting conflicting Dates of First Delinquency and amounts owed. I request the immediate removal of this inaccurate tradeline. The full demand and documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ha  ve disputed the same liens on my report 3 times & each time they said it was mine. I contacted the entity that they listed, and they confirmed by SS # that the accounts were not mine. A simple check of the social security number would have resolved this, the entity said that they may not have even contacted them, just saw the same name on the file & assumed it was mine. Now the credit bureau, Equifax, is telling me I have to prove it myself that it is not mine.
Confirmation # Status Dispute Date Completion Date   XXXX    COMPLETE D  XX/XX/XXXX  XX/XX/XXXX  Open   XXXX   COMPLETED XX/XX/XXXX       XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I cant understand why. I regularly check my report, and this time, there were discrepancies that seemed to appear out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the accounts were still there. Im completely at a loss and need the documents I sent to be reviewed carefully so I can finally stop worrying about this.
Product: Mortgage

I have already filed 2 complaints against Wells Fargo and on both i had disputed both and neither dispute has been received so i have to dispute by submitting another complaint. first # is XXXX, the second # is XXXX. Now this is my 4th attempt to deputed Wells Fargo 's last reply to my complaint. I feel they have done some of the things that i had requested. I did receive my debt in writing and now am willing to talk to them but if Wells Fargo seriously feels that there are no errors with my statements or with the amount of debt it owe then i will hire a lawyer tomorrow. but if Wells Fargo might read my letter and answer the questions i had asked a year ago, and correct the over charges in outstanding fee balance of XXXX or even explain some of the things that i am a little confused about we are willing to sign a new loan modification, but the wording of the contract i would like change a little and my XXXX XXXX money i seriously do n't feel it 's $ XXXX is lower then we got a deal. I think Wells Fargo and My Husband and I can equally agree on something. my home is supposed to be auctioned tomorrow, i would also hope it will be postponed/ cancelled. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed a {$41000.00} charge of from XXXX XXXX XXXX XXXX. I immediately disputed this account with each Credit Bureaus and XXXX. Each Credit Bureau responded with the account being verified as accurate, but the actual creditor NEVER responded to my validation request. I am familiar with XXXX due to being approved for a Car Loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They advised me the loan would be furnished by XXXX XXXX XXXX and that the documents would come in the mail for me to sign and return. The documents came, I signed the loan documents and a check that was made out to both me and the Car Dealership. I signed the check as well, and mailed both check and documents back to XXXX XXXX XXXX XXXX. I spoke to someone at the Dealership in which name I did not document ( due to I NEVER thought I would be experiencing this issue ) and they advised me that the check was received by the Dealership, and my car would be delivered within 72 hours after maintanence and detailing. Long story short, I NEVER received a car, No car was EVER delivered to me, and I never took possession of ANY car!! I was in the process of refinancing my home so I ran my credit report, and to my surprise there was a {$41000.00} Collection/Chargeoff reporting on my credit report. I Never received any kind of payment notification, past due notice, or any notification of this account even opened. I live in the same address for over 10 years so there was no way XXXX was unable to reach me at the same address they sent the documents for signature. They are also reporting a payment on that I made in XX/XX/2018 which is definitely Inaccurate because I NEVER MADE A PAYMENT TO THIS ACCOUNT! 
Back to the Credit Bureaus, how are they verifying this account as accurate? Did they even investigate? I sent a second letter to each bureau advising them that the collector did not respond to my validation request, and demanded the removal of this account from my credit report. I attached a copy of the certified receipt as proof that the request was sent to the XXXX, XXXX XXXX and XXXX XXXX XXXX. They again, advised that the account was verified as accurate although XXXX responded with they dont own the account but it is still reporting on my credit report ( I sent proof of this as well ) XXXX XXXX XXXX NEVER RESPONDED TO MY VALIDATION REQUEST. Per the FCRA that is grounds for removal automatically ( Proof was submitted of this to the bureaus as well )
Product: Credit card or prepaid card

On XX/XX/2022 my Walmart capital one was declined for {$200.00}, so I used my bank card. However, capital one still charged my card for XXXX. I contacted capital one and they told me to send in my bank statement and the teller from the bank even printed out a paper that showed the details of the transaction. I was then credited for XXXX. Now, capital one has added back on the XXXX, saying I was credited twice and owe that money. I was never able to use that amount because my credit limit was {$300.00}. I did call capital one again and they told me I used that XXXX and owe that amount. I did not use that and my transactions do not add up to that amount. My credit limit has been. {$300.00} and I have never been able to go over that amount with purchases. I hope you can help. Capital one does not listen or care about their customers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states 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: Debt collection

Eastern Account Systems , Inc. of CT closed out CFPB complaint XXXX, claiming it was a duplicate of complaint XXXX. However attached to XXXX were documents regarding its business activities in Michigan. Michigan law requires that outside firms register as foreign entity. Moreover, foreign entities engaging in activities that are regulated by the State of Michigan are also required to obtain a license in order to transact in their line of business/profession. According to the documentation attached to XXXX, Eastern Account Systems registered to transact business in Michigan and instead of stating the nature of their business akin to " any and all activities for which a firm may legally transact/conduct business in MI, '' their dumb-asses declared the field " Collection Agency, '' and then failed to register with the appropriate agency for a license to collect on debt within MI. records from the MI Department of Licensing and Regulatory Affairs ( XXXX ) show neither a current license for Eastern Account Systems to collect on alleged debts in MI, nor shows they have ever been licensed to do such in MI. Therefore, Eastern Account Systems is hereby advised they have been turned over to Michigan Bureau of Professional Licensing under complaint Record XXXX. Moreover, copies of this information are being furnished to the Michigan Office of the Attorney General, the CT Office of the Attorney General, the US Attorney 's Office for the XXXX XXXX XXXX Michigan, the Michigan Department for Civil Rights, and the Federal Trad Commission As I am someone that holds or has held security clearances, should Eastern Account Systems attempt to contact me in any way moving forward, I will report their attempts at contact to the FBI. Any and all attempts to contact my family, friends, acquaintances, employers, etc. regarding this alleged debt will result in legal action and will be reported to the FBI.
Product: Mortgage

I had a mortgage with XXXX. After Hurricane Irma, I contacted XXXX who offered a forbearance. They offered 3 options. One of the options offered was to have three months payments moved to the end of my loan without penalty. this is the option I chose. This was all done on the telephone. I did not make my next payment thinking that it would be moved to the end of my loan.
Within a couple of weeks, XXXX sold my mortgage to SLS ( Specialized Loan Servicing LLC ). When I contacted SLS, they advised that at the end of the forbearance a balloon payment for any payments missed would be due. They advised that moving the payments to the end of the loan was not an option. I asked if SLS was going to honor the offer from XXXX. they advised that they did not have anything from XXXX saying that they were allowing payments to be moved to the end of the loan. I contacted XXXX ( XXXX @ XXXX, XXXX  XXXX ). XXXX advised that moving the payments to the end of the loan was, in fact an option they offered and SLS would be required to honor the offer. I have now missed a second mortgage payment and SLS is saying that they are waiting on XXXX to advise if they were going to honor that option. I was told by SLS that they have received several complaints from customers that were with XXXX and are now with SLS over this same issue.
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 1687 Account name : XXXX XXXXXXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 agency can not furnish an account without my written instructions reporting 15 U.S.C 1681
c. ( a ) ( 5 ) Section States : no consumer reporting agency ay make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 7 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 relc 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 or other personal consumer reports

XXXX XXXX XXXX  XXXX, Account # XXXX Charge off is considered a certificate of indebtedness, and is filed on XXXX form with IRS, there for is considered income. Income does not report on credit report, and it must be removed.
Product: Credit reporting or other personal consumer reports

To management name as : XXXX XXXX XXXX This letter is to notify the management name as XXXX XXXX that your company placed and unauthorized inquiry on my credit report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand under FCRA : Section 604 1.Permissible purpose 2. My written authorization 3.Proof that I personally initiated this inquiry.

Either provide me strict proof are delete the items immediately.if you do not delete the inquiry in 15 days I will take legal action. 
Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.if you ignore this letter and don't delete the inquiry or don't provide strict proof of the authorization I will have no other choice but to have my local congressman promptly froward a formal complaint to the federal trade commission and attorney general for further scrutiny of this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the creditor 15 U.S.C Sec 1681i ( a ) FCRA law has been violated Every creditor and credit bureau is obligated to report complete and accurate information to the bureau each one of the report bureau reflect different information which we make the report inaccurate and incomplete which violates 15 U.S.C Sec 1681i ( a ) Experian reports collection account past due as of XX/XX/XXXX XXXX reports collection account as of XX/XX/XXXX XXXX reports open account as XX/XX/XXXX balance XXXX All of this information is incomplete and inaccurate you can not report this information to the bureau like this it violates the law listed above
Product: Credit reporting or other personal consumer reports

PLEASE VERIFY THESE ACCOUNTS XXXX Opened XX/XX/XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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, 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.