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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX XXXX XXXX section XXXX states I have right to privacy XXXX XXXX XXXX section XXXX section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC XXXX XXXX AND XXXX XXXX XXXX I WON IN COURT AGAINST XXXX XXXX TO HAVE INFORMATION REMOVED FROM MY CASE IT WILL BE ATTACHED TO THE INFORMATION ON THIS CASE AND LVNV FUNDING I NEVER HAD AN ACCOUNT WITH THEM EITHER THE OTHER 2 ACCOUNTS WAS LISTED BY ONLINE FILING I AM NOT AWARE OF THOSE  ACCOUNTS I am a secured party and the only person duly authorized with superior rights To add and remove things off of my property credit report. I as the Secured Party have a private security agreement valued at XXXX XXXX dollars and a copyright and trademark on name the Debtor XXXX XXXX XXXX And any derivatives thereof. I also have a UCC 1 Flied With the state of Ohio To protect my security interest. These companies do not have the authorization, From me, no contract, or consent for me to use my property and report it with these bureaus. This is notice to you to you to remove these companies information off of the Debtor XXXX XXXX XXXX credit reports as it affects/injures Me, the Secured Party. Any corporation or natural person who, By Coercion, Threat of force, or demand, requires an Employee, trustee, or fiduciary of the trust to perform, produce material, answer, comply with, or act in accordance with any particular Act set forth in the secured party fee schedule, shall be assessed according to corporate capacity for their actions, and further actions may be subject to parallel Claims of criminal activity including piracy, slavery ( suretyship ), trespassing, Breach of fiduciary duty, perjury, misprision a felony, RICO, and forfeiture. The only way any Corporation may post on my credit report is if I give the credit agencies consent to post
Product: Credit card or prepaid card

On XX/XX/2019 someone has applied for a XXXX  credit card/ airlines with SYNCB/walmart XXXX XXXX Fl . I live in Ga. I received a alert from XXXX XXXX today which is the same day. I looked this up and they said to contact you guys to get this solved faster. My husband and I are about to start looking for a new home by next year and I dont need anything like this on my credit. I hope you guys can stop this before anything bad happens to my credit. Thanks for all you can do for me, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
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 XXXXXXXX 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 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 crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish wny 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 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 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Investigation of Inaccurate Credit Reporting Dear CFPB Representative, I am writing to formally request your assistance regarding an issue I have encountered with my credit report, specifically concerning inaccurate information reported by XXXX and TransUnion. 

I have recently reviewed my credit reports from both agencies and found that they are reporting a negative account which a XXXX XXXXXXXX account. XXXX that is not only incorrect but also misleading. The account in question is, XXXX which has been marked as negative despite being closed and having always been in good standing. 

This erroneous reporting has negatively impacted my credit score and my ability to secure credit. I have taken steps to resolve this matter directly with XXXX and TransUnion ; however, my requests for corrections have not been addressed satisfactorily. 

I kindly request that the CFPB investigate this matter and compel both XXXX and TransUnion to remove this inaccurate account from my credit report. I believe this will not only rectify my credit history but also uphold the standards of fair credit reporting. 

Thank you for your attention to this urgent matter. I appreciate your assistance in ensuring that my credit report accurately reflects my financial history. 

Sincerely, [ XXXX XXXX XXXX
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Experian Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once
Product: Checking or savings account

Good morning, I am writing to dispute the charge of [ {$2000.00} {$10000.00} {$2400.00} XXXX {$2400.00} {$1100.00} ] I'm not knowledgeable or familiar with this unauthorized transaction that was deducted from my account and visa debit card XXXX, Am not notify the suspicious activity in my chime bank account. I'm disputing this trensaction becaus because didn't make the transactions as My bag was Stolen from me that is when my loan money was hijacked, the fund from XXXX {$20000.00} deposited in the bank XXXX XXXXXXXX XX/XX/2021 for a personal business. 

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ] [ CHECKING ACCOUNT ] Re : Notice of disputed charge to Account No. [ XXXX and the Visa XXXX ] I'm badly damaged and unhappy about this, I want to use the funds to PAY OFF CREDIT CARD WITH OTHER HIGH INTEREST DEBT.. I would appreciate your help
Product: Credit card or prepaid card

I had a credit balance of {$230.00} on my Bank of America Visa card and they removed the money from my card XX/XX/2020 and said they sent me a check.I never received the check and called them and spoke to XXXX XX/XX/2020 she said that they would put a stop payment on the check and send me a new check that I would receive in 7-10 days. 
XX/XX/2020 no check so i called again and spoke to XXXX and she said XXXX was wrong and it takes 17-21 days to receive a check. 
XX/XX/2020 still no check, called again and spoke to XXXX, he said he would put a stop on the second check and put the money back on my card and that it would be on my card in no more than 3 days.. 
Here we are XX/XX/2020 and my money has not been credited to my card or returned to me .I am getting nowhere with there customer service people, this matter is looking like fraud on bank of Americas part.  Can you please help me with this matter. 
Bank of America Case Number XXXX thank you
Product: Credit reporting or other personal consumer reports

In accordance with the law 15 USC 1681i ( 5 ),, inaccurate or incomplete information can not be provided in my credit report, I have found that late payments in the XXXX XXXX XXXX account XXXX are inaccurate in all 3 bureaus of credit, according to law 15USC 1681e ( b ) there can not be incomplete and inaccurate information in the 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest. 

Sincerely, XXXX XXXX XXXX This updated letter includes the additional law you provided, reinforcing your dispute based on relevant statutes.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX for furnishing inaccurate and misleading information on my credit report, failing to properly investigate disputes, and violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

I have disputed the account XXXX XXXX XXXX  ] with XXXX  multiple times, yet they continue to report inaccurate, misleading, and unverified data to the credit bureaus. My concerns include the following : False and Inaccurate Late Payments : XXXX is reporting 180-day late payments across multiple months, despite the fact that my account balance is incorrect, and the reporting does not align with my actual payment history. 
This is a direct violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to ensure information provided to consumer reporting agencies is accurate and up to date.

Billing Errors in Violation of 15 U.S.C. 1666B : My payment history has been misrepresented, and I believe XXXX is misapplying payments or miscalculating my balance. 
Since this is a billing error, the company is required to conduct a proper reinvestigation and correct the issue. 
Failure to Properly Investigate My Dispute ( FCRA 611 ) : My previous disputes were marked as resolved without proper reinvestigation, yet the inaccurate data remains on my report.

Under FCRA 611 ( 15 U.S.C. 1681i ), XXXX is required to conduct a reasonable reinvestigation. 
Failure to Validate Debt ( FDCPA 15 U.S.C. 1692g ) : I sent XXXX a debt validation request, but they have failed to provide the legally required documentation proving the legitimacy of the debt. 
They have not provided a copy of the original contract with my wet ink signature or any chain of custody proving their right to collect this debt. 
Unlawful Collection Practices and Misleading Representations ( FDCPA 15 U.S.C. 1692e ) : XXXX continues to report the debt without verifying its accuracy, which is considered misleading and deceptive under federal law. 
XXXX History of Legal Disputes and Consumer Complaints : XXXX has a history of lawsuits and consumer complaints, including : XXXX XXXX XXXX ( Case No. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Additionally , they have multiple consumer complaints filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  raising concerns about billing errors and improper debt collection practices.
Product: Checking or savings account

I have closed this account, repeatedly, I've e-mailed, called, even went into the branch and spoke to a person and was assured the account was closed, and yet it still shows up as open.
Product: Credit card or prepaid card

In XXXX, XXXX I discovered an over payment was made to my credit card of XXXX. I have made bi-weekly phone calls and spoke with numerous customer service agents with a end result that the refund check will be sent within XXXX days. Each time I call I am directed to a supervisor who assures me that the mistake will be corrected and a check will be reissued. Now XXXX months later I made my bi-weekly phone call and with no resolution. 

Credit Card Company Synchrony Bank/Amazon XXXX
Product: Debt collection

LVNV Funding is reporting negative to my credit report for XXXX XXXX XXXX for the year of XXXX. When trying to contacting them on XX/XX/XXXX and find out it was a company posed as LVNV Funding which later fought out it was XXXX XXXX. I told the rep that I never had utilities in my name for the year of XXXX because my job require me to travel XXXX XXXX and I was staying in hotel during XXXX and the years prior in another state. The rep told me that it was error reporting on my credit report and he will have it remove. I ask for a letter to provide to a apartment complex I was trying to move-in and the rep to me that it will be {$370.00} fee for the letter. I received the letter on XX/XX/XXXX via email, but it didn't not say anything about LVNV Funding and on XX/XX/XXXX for the same company that posed to be LVNV Funding which was XXXX XXXX sent me a settle via email for LVNV Funding for {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Motor Finance is falsely reporting I paid account late from XX/XX/XXXX until XXXX of XXXX! I made all payments to Hyundai and the payment was on time! This is fraud Hyundai Motor Finance is committing! Also the credit Bureaus all three refuse to remove the false late payments from my credit report! 

I paid the car loan off in XXXX! Because of Hyundai deceitful business practices! Due to Hyundai fraud of reporting my payments late my credit is ruined! My score will s below XXXX and this false late payments information Hyundai is reporting on my credit is hurting me because I being denied a home! Cant get an apartment nor credit! The late payments were removed and in XX/XX/XXXX Hyundai reported to the credit bureaus these false late payments! I made all my payments on time and never was late! I paid the loan off in XXXX and to date the credit bureaus is unlawfully saying this account that I opened in XXXX and paid off in XXXX will remain showing these late payments until XXXX! This is against the Fair Credit Laws! I need help.
Product: Credit reporting or other personal consumer reports

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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

First of all I went to the hospital because of intense stomach pain, I had medicaid so it should have been covered.The original place was XXXX XXXX XXXX XXXX. The dates they had at XXXX XXXX XXXX did not match the date of the debt and I tried to sort everything out but it had already been a long time to find out why it didn't get covered as they said.I finally made an agreement with XXXX XXXX XXXX and they told me they would take it off my record if I paid an amount of XXXX on XXXX XXXX and not the XXXX as long as I made the payment that day.They lied and never took it off instead they sent it over to a different collection company I believe XXXX, still for the same amount of XXXX. I tried to dispute this but nothing was resolved.I have the receipt they sent me in my e-mail and I have proof in my bank account statement that they did get the money. Please look into this, I'm a single mom of XXXX kids and I was just trying to do the right thing and pay it this was a very big sacrifice for my family to pay that amount of money only to be robbed by them. Thank you for your time.