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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late/Closed XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Late/Closed Chapter XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Bankruptcy Inquiries in Dispute XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below. 
XXXX  XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I put my bank statements in the file I want my money back right now I havent even really been using the account unless my grandpa sends me money they randomly closed my account because I was making disputes because I didnt make these transactions question why do they ask for our address social security and other information as well question is because the whole company scamming people oh I do deserve my money before they get sued but the whole world
Product: Credit reporting or other personal consumer reports

Reported incorrect addresses listed and these addresses were not removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX I don't and have never lived at the above addresses.

The following jobs were listed, but I do not know or have ever been associated with either job! 

XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the above listings as any previous employer of mine!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX ( Items for dispute ) Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I need these inaccurate accounts to be removed ASAP 1. Late payment from XXXX XXXX XXXX Date of Late Payment : XX/XX/XXXX 2. Hard Inquiry from XXXX XXXX XXXX Date of Hard Inquiry : XX/XX/XXXX 3. Hard Inquiry from XXXX XXXX XXXX Date of Hard Inquiry : XX/XX/XXXX 4. Hard Inquiry from XXXX XXXXXXXX XXXX Date of Hard Inquiry : XX/XX/XXXX Thanks,
Product: Credit reporting or other personal consumer reports

I submitted a certified letter XX/XX/XXXX  tracking number XXXX demanding proof of alleged debts XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX in the amount of {$5100.00} and XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX for {$15000.00} and to Validate the debt with original Purchase agreement with all parties signatures, Also I demanded that they delete all prior reporting made to any consumer reporting agencies including TransUnion, XXXX, XXXX, XXXX and to cease reporting any collection efforts during the validation period. Also to note the account as being disputed in the remarks section of my report. As of XX/XX/XXXX XXXX XXXX  nothing has been done to my account they are still reporting this debt with no proof or Validation that it is mine and they have ignored 2 Certified letters 2nd   tracking number being # XXXX. XXXX, TransUnion, and XXXX all replied to my first dispute and request for validation was " item has been verified '' The E-Oscar software is not Validation or re-investigation and proof that an investigation was properly done and no proof of Purchase Agreement was supplied or the removal of debt while investigation took place.I also made them aware on the second letter that I would be filing a complaint with the CFPB and the XXXX because they are reporting misleading information that is causing me hardship and distress not being able to purchase a home for my family. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. An account with Patient Fi was opened in my name for an amount of {$6000.00} on XX/XX/2022. I have no knowledge of this account and did not authorize it. I believe I was a victim of identity theft and I need the account and its late payments removed from my credit report.
Product: Credit card or prepaid card

I applied and received a Nordstrom signature credit card with an initial limit of XXXX which was later increased to XXXX my first payment was made XXXX in cash and second payment made online was XXXX from my checking account. the card company put a hold on my card after making a full balance payment in XXXX for XXXX and a purchase for XXXX to XXXX. I called the company after I was declined a purchase at XXXX and I was told that they needed to verify information to remove the hold. I had verified the information and the agent informed me that the problem had been remedied. I continued to ask questions as to why this happened, I was told that it was because of the merchant ... also the location of the merchant that triggered this. I proceeded to ask for more information on what triggers these issues .... after that I was transferred to a supervisor for more information ... .. After asking him several questions was told the same thing ... .. at which time he became frustrated with my continued questions then said that I was being put on hold because of an address issue ... .. during the next few calls to the call center I was even told that the I needed 20 days for my payments to clear??? cash payments??? and also I needed to give them address information .... after further calls to the center I was told yet another reason ... now the company is requesting tax information ... when asking was this a common request or what is the policy regarding asking for this information I was told that I would not be given the companies policy ... .. I believe their is an underlying reason and that these different requests are not inline with general policy or how other customers have been treated. I have been given 3 different reasons and after the 1st call the account was supposed to be cleared instead I have believe that the company is finding reasons any reason to block or hold my card. my account is being treated in accordance to how other accounts are handled with this company ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform XXXX to delete the inquiries but they still have not done so. 

The inquiries are XXXX XXXX : XX/XX/XXXX Trustmart National Bank : XX/XX/XXXX Trustmart National Bank XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously made Experian aware that there was inaccurate information on my credit report. Experian responded by stating : " In regards to the inquiries, by federal law, your personal credit report must list all organizations that have requested your credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information ''. I have already submitted a fraud complaint with the FTC which Experian has ignored. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian. 
XXXX XXXX XXXX ON XX/XX/2022 Experian. 
XXXXXXXX XXXX XXXXXXXX ON XX/XX/2022 Experian. 

I do not recognize these inquiries, and I have not given them " permissible purpose '' to run my credit. Experian has an obligation to not report information they believe to be untrue or inaccurate or that they've been TOLD is untrue or inaccurate. 

.
Product: Credit reporting or other personal consumer reports

It is showing negative standings from the years XXXX on my XXXX and XXXX credit report but on XXXX XXXX it stands positive and does not reflect anything negative from those years. All of my payments are up to date
Product: Checking or savings account

I am the executor of my Fathers 's account that he has with PNC Bank. I visited the branch in XXXX on XXXX XXXX XXXX, PA to be able to access the account and its funds. The woman told me that I needed the death certificate and a copy of the funeral expenses ONLY. I came back a few days later with that information only to be told I was not able to get the funds because the receipt I have doesn't state that the funeral was paid in full. I have a few worrying takeaways from this besides being frustrated with the experience : XXXX. Why is it that anyone can walk into this branch with the death certificate and a copy of the funeral expenses and receive the money from a deceased account? The law states that only the joint account holder or executor can access accounts. 
XXXX. An executor does not need to use any funds for the funeral. They can use it to pay off debts or handle probate proceedings. Why am I not able to access these funds without the very specific funeral expense receipt? 
XXXX. When I called customer service they clearly stated that I would need a court document stating I am the executor to be able to access the account but when I walked into the branch they didn't even care to see it. Who is PNC hiring to work at their branches? 
XXXX. The only way they said I could access the funds was to open an estate account with them. There is no law stating that I am required to do my estate handling with the same bank as the deceased. 

The frustration is for me but also for anyone else who could be going through a really difficult time. This type of negligence is simply unacceptable.
Product: Credit card or prepaid card

HSN credit card transitioned from XXXX to Synchrony bank per the Synchrony bank rep who called me for past due. I told him I never received notice or an email regarding the transition and that I had to set up a new account through Synchrony. 

He said he understood this but I was past due and that they reported every 30 days to the credit bureau. 

I think there should be some grace period for transition and I am not going to pay the late fees. 

I bet they are making millions off all the HSN cc card holders who did not know this was happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is incorrect personal information. Please remove the following items : Incorrect Address : XXXX XXXX XXXX ( XXXX, Experian, and XXXX  ) Incorrect Address : XXXX XXXX XXXX (  XXXX  ) Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX Incorrect Names : XXXX ( XXXX  ) Incorrect Names : XXXX ( XXXX  ) XXXX XXXX XXXX  - Open XX/XX/XXXX is showing that Experian is Inaccurately reporting late payment on XX/XX/XXXX. 

The following items is the result of error or identity theft. Please remove the following items : XXXX XXXX XXXX is not my account XXXX XXXX is not my account XXXX  The following are unauthorized inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act.
Product: Debt collection

I am being harassed by GLA Collections. appearently they bought a medical debt from a local hospital near my home. they are harassing me about this. I am on military XXXX  insurance and it seems the hospital mis-handled filing the paperwork correctly, and was unable to collect on the debt fully from XXXX. GLA collections bought the debt from the hospital and isillegally harassing me to collect on it. the hospital had previously wrote it off on their taxes, I feel I owe nothing to GLA, but they continue to harass me over it. GLA collections is known as a predatory collections company that uses threats and intimidation.
Product: Debt collection

I have reached out to Credence Resource Management requesting information that I have yet to receive. As a federally protected consumer, Credence Resource Management is in violation of my rights.
Product: Debt or credit management

Bank Of America breach the HAMP agreement with FNMA and they filed false proofs of claim in bankruptcy without applying the payments received from FNMA to the borrower account.

Bank Of America does not comply with their HAMP agreement and did not credit the payments received from FannieMae to the borrower account, and on top of that they double-dipping filed false FCA proofs of claim in bankruptcy without applying these payments to debtor account.
Product: Credit card or prepaid card

I have a line of credit with fortiva retail credit. Never had a credit card line delay payments and dont allow you to pay when ever you want before due date. They give dates that they want you to follow if you pay early but its not convenient for you. It really feels like jumping through hoops just to be proactive and pay debt down.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS AND INQUIRIES WERE OPENED AND MADE WITHOUT MY KNOWLEDGE OR AUTHORIZATION. I AM A VICTIM OF IDENTITY THEFT. 




Transunion XXXX. 

XXXX XXXX XXXX  - Account # XXXX, - High Balance : {$32000.00}, Date Opened : XX/XX/XXXX, Account Type : AUTO LOAN Account # XXXX High Balance : {$32000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Miscellaneous Finance Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt Profit and loss write-off Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 60 Month ( XXXX ) Past Due Amount : {$13000.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} XXXX. 

XXXX - Account # XXXX - High Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Type : Bulk Purchase Finance Transunion Account # XXXX High Balance : {$2000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Placed for collection Original Creditor : XXXX XXXX XXXX  Last Payment XXXX -- Past Due Amount : -- Account Type : -- XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX High Balance : {$0.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$55.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Personal Loan Companies Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Unpaid balance reported as a loss by the credit grantor. 
Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$30.00} Account Type : Charge account Payment Frequency : -- Credit Limit : {$750.00} XXXX  Inquiries : Creditor Name Date of XXXX Credit Bureau XXXX XX/XX/XXXX TransUnion XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights 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.
Product: Vehicle loan or lease

I am XXXX XXXX I am submitting this complaint myself there is no third party involved. 
I XXXX XXXX, Consumer, Natural person, and original Creditor enter a Consumer Credit transaction with Santander on XX/XX/ and a Finance charge was involved pursuant to 15 USC 1605 A Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. Santander also made me buy Insurance on the side instead of providing me with insurance everything is suppose to be included in the finance charge there aren't suppose to be any cash given or taken in a consumer credit Transaction an Santander took cash an charge me on a monthly Baisc til the Vehicle was paid in full I'm Enforcing my Rights for all payments back via mail Pursuant to 15 usc 1692 H If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. Santander has used abusive, deceptive, and unfair debt collection practices on me making me pay deceptive debts ive been harmed in this matter emotional distress
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE ACCOUNT I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX XXXX 

3. Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine.

4. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes.

Under the FCRA, I am requesting : 4. Immediate investigation into the disputed items listed above.

5. Removal or correction of the inaccurate information.

6. An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely,
Product: Debt collection

G C SERVICES XXXX is on my credit file affecting my credit I can't get housing or anything else because this is a collection on my account for a XXXX account that I did not authorize. I have not lived at this address for over 2 years. My ex wife lived there and then rented it to a bunch of strangers and now someone totally different lives at this address. I am frustrated because they will not remove this. I assure you I never authorized this on my credit. they are trying to stick me with a Collection account that states that I am " {$1200.00} past due as of XX/XX/2019. ''
Product: Mortgage

I am sick and tired of XXXX  XXXX running rough shod over existing laws for disclosures. They are steering people ( quite illegally ) to their product, instead of truly representing their client and making sure they have choices. There is no disclosure of rate, APR and other required terms in this advertisement and that's just the tip of the iceberg when it comes to what Keller is trying to do. I will not rest until this is addressed and addressed publicly with force!!!