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

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Experian failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( 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 ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Rodenburg Law Firm is attempting to collect a debt that they purchased from XXXX. I have never entered into a legal agreement with this debt collector.
Product: Debt collection

As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am inquiring about my account with the name of XXXX. The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in XXXX ( XXXX ago ) and paid in a settlement in or around XXXX ( XXXX ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.
Product: Debt collection

I have an unverified account from KEYBRIDGE. I had previously disputed this account. I have never done business with KEYBRIDGE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that KEYBRIDGE Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KEYBRIDGE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my XXXX, XXXX, and TransUnion consumer report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted XXXX, XXXX, and TransUnion and filed disputes via email as well as certified mail with no help.
Product: Debt collection

Integrity Solution Services and XXXX XXXX XXXX are BOTH reporting a medical collection account for {$610.00}. This double reported has severely impacted my credit. They both need to be removed from all XXXX credit reporting companies. I have sent letters to the above companies without results. PLEASE HELP
Product: Credit reporting

Experian is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Bank of America froze my loan. They, the home equity line of credit division, told me that my house had lost equity. Therefor they had to freeze my loan. I got comps showing that my house had increased in equity. Then they said that my credit report was not good. I got copies. They admitted to me and to XXXX, loan officer at Bank of America, XXXX XXXX, California, that my credit was good. And it is. Then I received a notice saying that I had material changes in my financial circumstances and they would have to freeze the loan. This, freezing my loan, took place in XXXX, XXXX and has continued since. 
I asked to see a signed copy of my contract. They do not have one. They have stalled on this now for nine months. I had insurance should I not be able to pay my loan. They said I had cancelled it. I asked for a signed copy of such a cancellation. They do n't have one of course. 
They have also claimed that they had to freeze my loan because of liens. Those liens were on my home since XXXX, well before I established the line of credit. 
I have continued making payments, have asked for proof. Every conversation I have with them tells me that they intend to take my house and they will listen to nothing. Here 's the thing : The comps say that my house is valued at {$230.00}, I currently owe only {$22000.00}. My realtor, as I have my house up for sale, represents bank of America with foreclosures in my area. She claims she has seen B of A do this same scam with others. 
So ... I had arranged to leave the last {$3000.00} untouched and use for payments. The bank has put unnatural pressure on me by freezing my loan. 
So what happened next.? First they charge me late fees when there are n't any. ( I have made sure XXXX XXXX B of A monitors all my payments now. ) They have raised the amount of pay back to XXXX rather than XXXX or 31 days three months in a row. XXXX has practically yelled at them over the phone telling them they ca n't do that. XXXX XXXX used to work in B o A loan department. ) An employee in the department confided to me that they should n't be doing this to me. Her name is XXXX. XXXX I had a recording. XXXX, XXXX of B o A XXXX XXXX fought for me. Just retired. He thought what they were doing was ridiculous. 
Next I get a letter from B of A saying that my loan expires on XXXX, XXXX and I will either have to pay back loan in full or I will be paying much larger payments per month. This last loan began in XXXX. And already I have to pay it back in large sums. 

My issues are XXXX those listed at the bottom of this page : Making payments, signing agreement, problems when you are unable to pay..
Product: Credit reporting or other personal consumer reports

I am asking for your assistance regarding this incorrect account appearing on my credit report. This issue has harmed my reputation, and I need your help. Your mishandling of my credit report has brought me to my knees because your inaccurate reporting has damaged my reputation. These mistakes must be corrected so I can live peacefully with my family.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX for sending numerous unsolicited emails after I had already closed my account and reached an agreement that I had no remaining obligations or knowledge of any outstanding matters. Despite this, I continue to receive repetitive and intrusive emails that are causing substantial inconvenience and distress. 

These actions have shaken my confidence in extending credit relationships, as I believe my account should have been fully resolved upon closure. I have attached copies of the emails for reference, which demonstrate a pattern of unnecessary and unwarranted communication. I request immediate intervention to ensure these emails stop and that XXXX XXXX adheres to proper account closure protocols.
Product: Checking or savings account

Bank of America has blocked my account and I cant access it or use the funds I have in it. As I dont live in the US its impossible for me to visit a branch to solve the issue, Ive tried calling more than 20 times and nobody offers any solution. When the account was opened I was promised I would be able to solve any issue via phone or app and this has not been the case, I am in urgent need to access the account as I need the funds and to be able to make transactions with the account, thats why I opened it and I have not been able to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In XXXX, the Equifax data breach exposed the personal information of XXXX XXXX individuals, including mine. Since then, I have been a victim of identity theft, resulting in fraudulent accounts and unauthorized transactions appearing on my credit reports across multiple bureaus, including Equifax, XXXX, XXXX, XXXX, XXXX, and others. 

Despite placing fraud alerts on my credit files and repeatedly disputing inaccuracies, the fraudulent activity has severely impacted my XXXX score and overall financial stability. The long-term effects of the breach have caused significant financial and emotional distress. Furthermore, the Equifax settlement did not provide adequate support or resolution to address the damage caused. 

In addition, I have previously submitted complaints about this issue under the following case numbers : XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) I am requesting the removal of all fraudulent and inaccurate information from my credit reports, restoration of my XXXX score, and assurances that appropriate safeguards are in place to prevent future occurrences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is XXXX XXXX. I have been trying to resolve inaccurate credit reporting for over 6 months. I have talked to XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX XXXX , XXXX , and Experian to update a late payment alert on my account. I have resolved the issue with my bank and financial company, but the both Experian and XXXX have refused to assist me with this issue. I have filed over 5 disputes over this issue and this still has not been resolved. I plan on purchasing a home in the next year or two and it is crucial that this gets fixed. Please assist with this issue as soon as possible. 

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

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 an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusion.-Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experience between the consumer and the person making the report ; 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 purpose.
Product: Payday loan, title loan, personal loan, or advance loan

I got a XXXX dollar loan I have paid well over XXXX already I have made over XXXX payments for XXXX
Product: Checking or savings account

I have 2 claims opened today for unauthorized transactions. One in the amount of XXXX $ and another in the amount of XXXX XXXX I called to submit a claim to Bank of American and its currently being reviewed. All of these transactions made on my account are from a XXXX source. I need the company to take immediate action to rectify my account.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I XXXX XXXX walked into U.S. Bank on XXXX XXXX XXXX and deposited {$90.00} XXXX XXXX {$50.00} bill for {$10.00} bills to a male teller. I didnt see the deposit on Wednesday and went back to the bank. The teller said he recognized me because we had talked about XXXX and he would take care of the funds. He took my card and my drivers license swiped it and said it was all taken care of, the deposit still not made the corporate XXXX number they told me go to the branch they were no help. I called the branch XXXX from another US Bank said he would take care of. It contacted the branch XXXX of the branch on XXXX XXXX XXXX and told me it would be taken care of in a few minutes that was on, Thursday the XXXX I called again on Friday spoke to the person in charge of disputes. She contacted the teller who contacted us Friday the XXXX and said it would be taken care of. We still dont have the money. We have no explanation from the company {$90.00} has been taken from us. We want our money deposited into the account.
Product: Debt collection

I received a letter from AFNI claiming I was in an auto " incident '' and it was determined I was liable. I requested more details on : the nature of the incident, where and time it happened. Copies of police reports, insurance claims, etc. To which they responded with another letter demanding payment. 

It appears they are trying to defraud my insurance company, by using the guise of an " accident '' to have the insurance company pay for a 1 ) accident that never happened ( car has NO recent damage. ) 2 ) using my insurance to pay for a debt that is no longer collectible ( dis-charged/written off ). 

Their file # is XXXX, the insurance ( XXXX ) " claim # '' XXXX, the " incident '' took place on XXXX-2018 and is for {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting incorrect information stating 30 days late when its not. 

I make pay more on my loan that was asked. I did also pay two months in advance. I paid off one plane with them and did another under same terms Account Number : XXXX. 

Shortly after - Called to get due date changed due to job unemployment. Which they stated if cant make payment let us know. However, republic finance company did not and stated there is nothing they can do to Change the date. Ive consistently made extra payments which is either not being applied to the principal or the next month. 

I called manager who was rude to explain, However, he just kep stating that Ive been late.. As for proof of payment history and why wasnt extra money paid in previous months applied to next month or principal.. Also asked for lower Interest rate and they said no. Company does not want a payoff and consistently reporting incorrect information to my credit report
Product: Checking or savings account

Back in XX/XX/2023 I logged complaint against CHIME for allowing a fraud charge to be debited from my account. They refused to credit me back but did shut off my debit card and send me a new one.. over a month later after fighting with CHIME they gave me a credit for the amount of XXXX which was the fraud charge but then a couple weeks later the charge was back on my account. I DISPUTED AGAIN and explained the situation that is fraud .. they didn't understand due to language barrier and kept asking who I charged it with... I DIDN'T USE MY CARD. they proceeded to tell me they would have to investigate again.. WHAT??? ... It is almost impossible to speak to someone at this company that understands or knows how to dispute a charge. So I told them that the charge will sit there and I'm closing my account because I'm tired of trying to deal with this company. CHIME has a horrible customer service.
Product: Credit card

On XX/XX/XXXX, I opened a HSBC Elite credit card with an annual fee of {$490.00}. I intended to utilize it for my travel during the upcoming holiday season in XXXX and XXXX. However, the card has been blocked and is currently under review since early XXXX. Despite numerous attempts to contact HSBC staff, I have been unable to obtain any information regarding the reasons or status of the review. 

Over the past two months, I have made more than five calls to the bank, only to be repeatedly advised to wait for their calls. However, it is evident that they only made two initial calls, posing the same questions. I have been patiently waiting for almost two months, yet I am still unable to access my card. This situation has significantly disrupted my travel plans, as I am forced to withdraw cash from local ATMs and carry it in a potentially unsafe environment. 

On XX/XX/XXXX, I contacted HSBC to inquire about the status of my card. I was informed that I should wait for a decision call and was refused an estimate of the waiting time. I am frustrated by the lack of transparency and the inconvenience caused by this situation. Given the {$490.00} annual fee, I am eager to close the card if I am required to continue waiting. 

To my surprise, I was informed that I need to wait for a decision from " the team '' before I can close my own credit card. This is an unnecessary obstacle, as I am unable to access the card even now. 

In my opinion, HSBC 's actions do not align with the promises made in their advertising materials. The card was advertised as a tool to enhance one 's lifestyle and elevate travel experiences. However, this has not been the case for me.