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

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I went to XXXX XXXX in XX/XX/XXXX for a full set of dentures. I was told my portion would be {$960.00} which would have to be paid in full before work could begin. I paid this on XX/XX/XXXX. Work completed as far as they could in XX/XX/XXXX. I only have uppers that are usable. Later in XX/XX/XXXX I received a handwritten bill stating " Balance due {$750.00} ''. I wrote and asked why. No response. Received a 2nd notice stating the same. " Account Balance : {$750.00} ''. Still no statement of account saying why this was owed. Several days later I received notification from my insurance company that they were denying the claim filed on my behalf because it was filed too late ( beyond 6 months after service ). So I responded to XXXX once again and stated it was apparent they were trying to collect from me because they failed to bill my insurance in a timely manner and that based on that I did not owe this debt. They immediately turned this over to AWA Collections who has proceeded to submit updates to my credit report at least 2 times a month raising the amount owed. They are charging " Interest & Fees '' apparently monthly or bi-monthly for a debt I do not owe. This is damaging my credit score which I have worked hard to improve since my divorce. For a debt that I do not owe. So what started as a {$750.00} dental bill that I do not owe, is now showing as 4 different derogatory comments against me in the last 6 months and the amount has increased to {$800.00}.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts have been attributed to my credit file that are NOT mine and I have NO knowledge of these accounts nor have I received any goods or services from these accounts and inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

XX/XX/2023 my Chime bank card was used through XXXX XXXX to make two {$250.00} unauthorized charges. I have tried to contact XXXX  and chime and neither have been able to help me. These were not authorized.
Product: Credit card or prepaid card

This issue is with Aqua Finance , Inc. at aquafinance.com. Customer Service # XXXX. They are a creditor of mine for new windows in my home. 

I'm not getting paper statements and I can not access my account online for most of 2021. 
I spoke to XXXX on XXXX/XXXX/21 who assured me that I would start getting paper statements again and that she would NOT be able to fix the online access problem. I spoke to another representative earlier in 2021 - around XXXX, who told me that online access would be fixed. Both times I called XXXX. 
This issue has never been resolved. I still do not have access to my account online. I do not receive paper statements. I don't know if the automatic payments are processing correctly, I don't know what my payoff is. 
I simply want access to my account information. I have made it very clear to the representatives that I've spoken to that I want to return to paper billing. It has not happened. They have had 5 billing cycles ( months ) to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed the Experian credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted Experian on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter. 

FCRA 607 ( b ) states 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. If XXXX  has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( XXXX & XXXX ). XXXX nor XXXX didnt provide it. As I believe all of  them are still using XXXX to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that Experian refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.
Product: Debt collection

On XXXX-XX/XX/2020 I was contacted by phone by debt collection firm saying I owe them money. Lately they contacted me by my email. On XX/XX/2020 I was asking for debt verification information, and never received any competent evidence that I have any legal obligation to pay to the order of Cedars Business Services. I was contacted again on XX/XX/2020 asking to pay a debt. The representative never sent me any Agreement with the client that grants them the authority to collect on this alleged debt. 

Also I never received any notice of debt thought the regular mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason purpose.
Product: Credit card or prepaid card

Good Morning, today I am apllying for a mortgage loan for my new house and was informed of my XXXX XXXX. Shocked that they were so low I saw the statements that Sears had sent in late fee notifications in XXXX XXXX and XXXX of this past year. I paid off my Sears credit card in the amount of {$3500.00} back in XXXX of XXXX. I have not used the credit card since! I called the first time and got a nasty lady who told me there were purchases made to XXXX on XX/XX/XXXX and XX/XX/XXXX. I do not have an XXXX account it is under my wifes name and do not even have an updated credit card. The lady told me she cant do anything because my account is closed. I then called a second time and spoke to a gentleman who stated they cant help me unless I send a letter with all my personal information full social mailing address with why I am disputing these. I never received any letters from the company about charges or late fee letters. These reports are affecting my mortgage rate on my house over a purchase I was informed was under {$100.00}. If I knew about them I would have called immediately!!! I am very angry they offered me no help with my disputes over the charges of a credit card I have not used since XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed this account COMENITYCB/DAVIDSBRIDE Account number : [ XXXX ] here on CFPB again that was found on my credit report from loan officers that I had requested original proof of last year. I was told that this account is a Charge Off, however it's reporting that payments are still being made based on the payment history from XXXX. I then requested a reinvestigation in XXXX XXXX because I had found out the same thing was still on my credit report on XXXX XXXX ( in the midst of trying to get a mortgage loan ) that I wasn't aware of and/or thought were already removed/corrected. I requested for the account to be thourougly reinvestigated ( checking, updating, deleting, correcting the summary of each report from each of the 3 bureaus ). I sent it via certified mail on XXXX ( tracking number below ). It has again been more than 30 days and no letter from COMENITYCB/DAVIDSBRIDE stating if the CHARGE OFF was final or not. 

Not only that, but I found out recently that there's another account -> XXXX XXXX Account number [ XXXX ] who supposedly bought the debt from COMENITYCB/DAVIDSBRIDE XXXX which is being reported as an OPEN ACCOUNT. Which is illegal and against FCRA to try to collect payments for the SAME DEBT through 2 different accounts. 

Section 607 ( b ) of FCRA ( 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. 

Consumer reporting agencies must Correct or Delete ANY inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 

( Credit report from XXXX XXXX *highlighted yellow* below ) versus ( Credit report from XXXX XXXX, XXXX *circled in black ink below ) Is still reporting the same inaccuracies for Account status, Terms, High Credit, Date Last reported, Date Last Active, and the 2 year payment history. All of which are violations and not reporting the same across all 3 bureaus.

Unfortunately, I no longer have housing due to credit implications that has affected my credit score and history. As you will see my credit score has dropped tremendously even more within the last month because I've had to dispute over and over for the same problem. 

I'm requesting monetary relief and deletion at this point, because I've tried all I could. 


I will have the photo of both credit reports pulled on XXXX XXXX and XXXX XXXX in comparision showing that there was no thorough investigation done by COMENITYCB/DAVIDSBRIDE nor XXXX XXXX. 

Tracking numbers : XXXX XXXX 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

I have an inquiry on my credit file that I did NOT authorize. I tried disputing the inquiry with Experian multiple times and they refuse to conduct the investigation against my rights. I did not give any employed by this company to many an inquiry and view my credit report. This is a violation of FCRA 1681b ( c ) and is a serious breach of my privacy rights! 


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

XXXX  is allowing Orions Management to report expired information to my credit report. The debt with the original creditor XXXX XXXX has already been written as a profit loss in 2016, the are still trying to collect a debt that they have already been compensated for. I initiated a dispute of the information being reported and XXXX not only did not do their due diligence, they are still reporting the expired information as accurate and updated. This has negatively impacted my credit profile and maimed my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17 I reached a settlement agreement with Bank of America for the account ending in XXXX with an original balance of {$14000.00}. The account is now paid in full. Bank of America updated my credit report with all three bureaus to reflect the payment I made, showing a remaining balance due. The accounts do not show paid in full and remain as charge offs. I have exhausted the dispute resolution process with XXXX, XXXX, and XXXX and am seeking assistance from the CFPB to resolve the matter. I have attached the settlement letter and a recent copy of my 3 bureau credit report. <P/>Bank of America has been paid since XX/XX/XXXX and the company has failed to timely send confirmation of settlement to me, and failed to accurately report the account on my 3 credit reports, to include inaccurate investigation results.
Product: Credit card

I booked a pair of international flight ( business class ) ticket via Chase XXXX, which paided XXXX usd and used XXXX Chase reward points. 
2 days before departure, I discovered that either Chase or the airlines cancelled my seats, without any notice. The fight was NOT cancelled. 
Chase XXXX agent and I called the airlines, the airlines refused to rebook my seat to business. I had to accept economy. This rebooking process also took XXXX hours and I've spent the entire afternoon of XX/XX/XXXX on this. 
As for service recovery, Chase XXXX agent offered to return all XXXX points back, which I accepted. All of this conversation has taken place on a RECORDED line. 
Recently, I contacted Chase and Chase XXXX for the points return and they have retracted on their offer/promise. I have spent countless hours with Chase and all they want to do is refund XXXX and XXXX points ( which is fraction to I paid ). 
Also I found out that Chase has outsourced Chase XXXX and the agents at the outsource company has caused many customers to suffer from their lack of responsibility and unprofessionalism.
Product: Debt collection

I have been trying to contact the collection agency numerous times, I called and they say write to us and when I write to them based on the address the provide on credit reports it comes back to me as undeliverable. This company is reporting information on my personal credit report for a debt that is for a company and has nothing to do with me. I wrote to them also many times with no respond and just getting returned mail. The contact information and their address is wrong on the credit report and they are no help via phone at all. Please help me get this removed of my credit reports. I have attached the proof of no delivery and also the actual letter I sent to request validation and no one ever responded to me in over a year. Now that I am trying to buy a new car this bad item on my report is ruining my chances of getting approved and I would like to get resolution or I have to explore my option to bring a lawsuit against this collection agency for all the FDCPA violations they are committing
Product: Checking or savings account

On XX/XX/XXXX around XXXX I deposited around {$1500.00} into the ATM at this WF branch. Ive been making deposits in this machine for 10 years with no issue. During the deposit, the machine beeps and shows a message that says, you have canceled this transaction and then says retrieve deposited items. The problem here, which is on camera, is I never hit any buttons to cancel the deposit and the money I put in was never spit out for me to retrieve. I went inside and waiting for 40 minutes to talk to somebody who said we dont monitor the atm call this 1-800 number and theyll fix it. 40 more minutes later of blaring hold music later i state my case and give details. 2 weeks later I get a provisional deposit, 2 days after my paternity leave started the money was withdrawn with no warning and then I get a letter in the mail saying I never made any deposit. Ive called to dispute the investigation, to appeal the decision, and have spoken to multiple XXXX, XXXX, and XXXX XXXX. Im on camera making a deposit in the machine and leaving without a receipt or money coming back out of the machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania Date of Birth XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To Whom it May Concern : I received a copy of my credit report recently due to curiosity of what exactly is holding me back from reaching a better credit score and come to find out there are a number inaccuracies on my credit report. These inaccuracies are taking a toll on my lively hood, preventing me from bettering the life of myself and my family. 

1. After doing research for myself I demand these accounts be removed immdeitly and treated as an exigent situation. This is a violation under 15 U.S.C 1681 e whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. 

Account Number : XXXX XXXX is in violation of 15 U.S.C 1681 e please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 E please delete immediately Account NumbersXXXX XXXX XXXX is in violation of 15 U.S.C 1681 e please delete immediately Account NumberXXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX XXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately Account Number : XXXX XXXX XXXX is in violation of XXXX XXXX XXXX XXXX please delete immediately Account Number : XXXX XXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX XXXX XXXX is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 E please delete immediately Account Number : XXXX This agency is in violation of 15 U.S.C 1681 E please delete immediately Account Number:XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately Account Number:XXXX This agency is in violation of 15 U.S.C 1681 e please delete immediately By the provisions of the Fair Credit Reporting Act, I order that these accounts be investigated and removed from my report. From my apprehension you will recheck these following items with creditors who has posted them. Please remove any information that the creditor can not authenticate. I understand that under 15 U.S.C sec. 1681 I ( a ) you must complete this investigation within 30 days of receiving this letter Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to any person who received my credit report in past XXXX mounths. 


Sincerrely, Signature XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am XXXX. As I'm trying to buy a house, I noticed inaccuracies in my credit report due to identity theft. All my personal information, name, social, and dob were exposed in the Equifax and the XXXX  DMV Data Breach as I was affected as a XXXX  resident. I'm a XXXX XXXX with a XXXX, and I'm trying my best to read and keep up with my credit report. I have no knowledge of the accounts or inquiries. They are a result of identity theft. I need my credit report to reflect accurately. ftc report enclosed. 


* Identity theft inquires reporting inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX *fraud account reporting inaccurate XXXX Account XXXX
Product: Credit card

Dear Comenity CapitalXXXX, I am writing to express my deep concern regarding an unexpected issue that came to my attention today while reviewing my credit report with my loan officer. It was brought to my notice that a 30-day late payment has been reported on my account for XX/XX/2023. This came as a complete shock to me, as I have always been diligent in making timely payments on this account. 

I am unsure how this discrepancy occurred, as I have consistently made payments promptly upon receiving my statements. It is possible that there was an issue with the delivery of my monthly statement, or perhaps the payment was not processed in a timely manner. Regardless, I can assure you that any lateness was entirely unintentional. 

Given our longstanding relationship and my history of responsible account management, I respectfully request that you remove the 30-day late payment from my credit report and refund any associated late fees. Furthermore, under the provisions of the Fair Credit Billing Act ( 15 USC 1666b ), the Fair Credit Reporting Act ( 15 USC 1681i ), and the Fair Debt Collection Practices Act ( 15 USC 1692g ), I believe this reporting to be inaccurate. Therefore, I must insist on the immediate deletion of this late payment from my credit report.

I hope we can resolve this matter swiftly and without further inconvenience to either party. I value the positive experience I have had with your company in the past and look forward to continuing our relationship on good terms.

Thank you for your attention to this matter. I appreciate your prompt assistance.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this letter to dispute the following accounts : This agency is in violation of 15 U.S.C. 1682 ( g ). They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debit. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of 15 U.S.C. 1692 ( g )