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

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with transunion to clear my file. ive noticed lot of information that is hindering my file. checking all information submitted this has been an ongoing issue that needs to be resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on my XXXX credit profile I did not authorize XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX, or US SM BUS ADMIN ODA Authorization to pull my credit profile please remove all inquiries immediately
Product: Credit reporting or other personal consumer reports

As I looked at my consumer report I noticed a late payment for XXXX XXXX  in 2022. The information is marked differently across the bureaus which shows inaccurate reporting. This affects how creditors look at me and has harmed my score for awhile. Its my right to have accurate information reported when it comes to my consumer report.
Product: Checking or savings account

Robinhood told me to call XXXX to have my debit card from them verified for XXXX XXXX. When I called the number given to me, someone from XXXX answered to confirm my account information, and then confirmed my debit card for XXXX XXXX. Robinhood support said they don't send the confirmation codes for card confirmation, XXXX said it has nothing to do with them, that it's just Robinhood using XXXX XXXX  XXXX. Sounds like Robinhood is lying, spoofing the receiving end of XXXX support 's phone number, and doing something phishy with customer information.
Product: Credit reporting or other personal consumer reports

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, you must remove it immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never given any of the following companies ' permission to access my credit report in any capacity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX None of these companies will be able to provide any written or verbal documentation stating they have my permission to access my credit report. 

Also, 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 have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX | DOB :  XX/XX/XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

I demand the following accounts be verified or removed immediately.
Product: Credit reporting

A review of my credit report has identified a public record dated XXXX/XXXX/XXXX, Judgment ( XXXX XXXX XXXX XXXX XXXX, Case XXXX ). This public record is a civil judgment regarding a bad debt to a credit card issuer. While the original trade-line has been deleted and replaced with the judgment, the original Date of First Delinquency was XXXX XXXX. Based on the information in my credit file, it is due to be deleted in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX****** I was never late on the paid off account listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, if not please delete this alleged late payment from my credit report.
Product: Checking or savings account

On XX/XX/2023, I overdrew my business receipts account by {$1.00}. Evidently, I was incorrect in the amount I believed was in the account and I spent {$1.00} more than was in the account. On XX/XX/XXXX I happened to check the account to see if there was any remaining balance since I was attempting to withdraw all funds since I have not operated my business. In the past, with a different business checking account, Community Bank NA refused to close an account without proof that the business had been discontinued. 

When I discovered the overdraft on XX/XX/XXXX, I contacted CBNA by message on their website. I also contacted them again on XX/XX/XXXX to request that a hard copy statement be mailed to me. I was told that they could not do so and that I should contact my local branch. I made screenshots of the two conversations. 

Community Bank did not notify me of the overdraft until at least XX/XX/XXXX. I can't prove it but they did not send the letter on XX/XX/XXXX because I did not receive it until XX/XX/XXXX. Instead, they charged me {$36.00} for the INSF fee then started charging me an additional {$5.00} per day in what they termed continuous overdraft charges. At this writing, CBNA has now charged me {$110.00} in continuous overdraft charges along with the initial {$36.00} INSF charge. This totals {$150.00} in overdraft charges to date. I have saved PDF copies of these charges on many dates starting XX/XX/XXXX. Even if they had notified me on XX/XX/XXXX, the account had already incurred XXXX {$5.00} continuous overdraft charges prior to them notifying me of the insufficient funds. 

The letter that was dated XX/XX/XXXX told me to pay at least {$62.00} and was sent from their Overdraft Recovery Department in XXXX, NY. What I have paid to this account was a {$10.00} transfer from the taxes account on XX/XX/XXXX which brought that balance to {$0.00}. Then, on XX/XX/XXXX, I paid the additional {$26.00} of the original {$36.00} overdraft charge. On XX/XX/XXXX, I paid the original overdrawn amount of {$1.00}. I have not paid any of the {$5.00} charges which totaled {$110.00}. After I paid the {$36.00} overdraft charge and the original overdrawn amount of {$1.00}, they removed all of the {$5.00} fees. However, I am certain that they will do this to another customer. This needs to be stopped. 

If this is not illegal for Community Bank to do, it is at least unscrupulous and unethical. So, if this is legal, I would like to ask that you let me know so that I can contact my state and federal representatives in an effort to create laws that will make this an illegal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While checking my most recent credit report, I noticed credit inquiry that I did not authorize.

These inquiries needs to be removed from credit report ASAP. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CONVERGENT OUTSOURCI - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Debt collection

I have multiple accounts from Preferred collections XXXX XXXX XXXX XXXX XXXX, FL XXXX, some of which are a duplicate accounts starting at {$720.00} dollars and down totaling over {$2000.00} on my credit report. The accounts are not in my name and do not belong to me they have not sent any communications about these accounts via mail. I have made multiple attempts over the last 3 months to have these removed I have requested documents to show that they are my accounts and have not been received each call I have made Ive been told to call back in one week. I have submitted a total of 4 disputes to the credit bureaus and they have not been removed due to being accurate even after the disputes this collection agency does not send any communications and refuse to delete these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to JPMCB AUTO to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that JPMCB AUTO being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors.

3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.
Product: Checking or savings account

I opened my citi checking with {$1000.00} and savings with {$1000.00} online with the understanding that {$1500.00} between accounts was required.They have taken over {$500.00} in fees and continue to do so.
Product: Credit card or prepaid card

There is a hard inquiry on my report that I did not authorize from CAPITAL ONE BANK USA on XXXXXXXX XXXX XXXX and on XXXX XXXX  This is a form of identity theft and would like for it to be removed from my account. I reached out to the company and they informed me to do a dispute against it so that's what I'm currently trying to do. Thank You
Product: Credit reporting or other personal consumer reports

This complaint is my own, regarding late payments on my credit record. I've found these late payments after checking my records. I sent letters about this over 30 days ago, but got no response or proper validation. I need your help to solve this quickly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX  Balance : {$620.00} XXXX XXXX XXXX  Balance : {$8000.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXXXXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX  Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting

Related Case # XXXXChexSystems had been re-inserted into my credit file derogatory marks from XXXX XXXX XXXX. 

You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report my personal identifying information incorrectly and refuses to correct it, despite my repeated requests. More specifically, XXXX is reporting my social security number incorrectly. I have been trying to correct this error with XXXX  for more than a year, to no avail. I have sent XXXX  a copy of my birth certificate, social security card, proof of address, and drivers license to identify myself however XXXX  continues to send the same letter indicating that they will not correct the information due to reporting from Capital One. I then reached out to Capital One regarding the trade line they are reporting on my credit profiles. Capital One continues to indicate that they are not reporting the incorrect information that XXXX  alleges and they do not understand why XXXX is reporting the information incorrectly. XXXX is the only CRA reporting my social security number incorrectly. Both XXXX and XXXX have my social security number listed correctly ( see attached ). XXXX  is out of compliance with the law. Its willful noncompliance has been a major financial hardship in my life as I have been denied lines of credit, housing, insurance, and other consumer products due to the unmatched social security number. XXXX refuses to complete a real investigation and properly verify my personal information as required under FCRA. They have sent the same letter in response to my request for correction on two separate occasions ( first on XX/XX/XXXX and again on XX/XX/XXXX ). I have continued to call Capital One, to no avail. They report that they have not provided the incorrect social security number that XXXX  is reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous amount of times.

I demand the accounts listed below be removed According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Account info - XXXXXXXX XXXX XXXX Account number XXXX Account info - XXXX XXXX  Account number XXXX Account info - XXXX XXXX Account number XXXX
Product: Debt collection

Portfolio Recovery did not sent any documentation stating there was an amount owed, neither was the account verified. Portfolio Recovery has notated my credit file with a collection for the amount of {$3500.00}.
Product: Checking or savings account

I was told that Wells Fargo had a law suit to repay overdrafts from 2022 up until now they never contacted me and I spoke with someone at a branch and they said the law suit was not in place when I know it was
Product: Credit card or prepaid card

On XX/XX/18, I purchased over $ 10k worth of cosmetics from a business on the XXXX XXXX XXXX. I wound up returning the items, even though the receipt said all sales are final. Someone with XXXX XXXX XXXX accepted one of my packages. The other package was refused by both myself and XXXX XXXX XXXX, and this package wound up just sitting at a XXXX XXXX hub for disputed packages. I have no way to find out if this package was ever eventually returned to XXXX XXXX, because I had refused this package at my residence, and I had no tracking number, not to mention I didn't have XXXX XXXXXXXX XXXX 's XXXX XXXX account number, for obvious reasons. 

So basically, I'm paying Citibank for over $ 10k worth of cosmetics that I have never had. So besides THAT, Citibank continues to charge me fees for this whole purchase. Additionally, on approximately 3 occasions since XX/XX/18, Citibank has sent me letters in the mail or emails saying that my dispute was resolved, leading me to obviously believe this. 

Besides continuing to pay for goods I have never had, my credit score has been lowered over 150 points as a result. I continue to attempt to pay down my credit card bill, so it won't be affected even moreso.
Product: Mortgage

the mortgage company falsely reported that i was delinquent on payments. i never was delinquent..This affected my credit score dramatically and we lost {$3000.00} while baying the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/XXXX I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XXXX payment and bring my account current in XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me. 

Account : XXXX XXXX XXXX XXXX Issue : 30 Day late mark for the month of XX/XX/XXXX XXXX