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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I recently got my account closed without even being notified. i got money transferred to me account and as i was trying to buy something my card declined but i had money on it. I called the bank and they told me that my account was being closed and they didnt tell me why. i called again to find out the reason but still no answer and since the account is shared only mine is in the process of being closed. I was informed that i couldnt open an account with the bank anymore
Product: Credit reporting

I have been requesting verification of the following account that Experian continues to report on my credit file : Bankruptcy # XXXX Experian listed XXXX, XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2017. 
On Friday, XX/XX/2017 I directly called the XXXX telephone number that is listed on my report at XXXX and spoke with agent and she informed me that a security freeze was placed on my account as of XX/XX/2017. I have attached a copy of my security freeze confirmation that I received directly from XXXX showing the date of confirmation. 
On Friday, XX/XX/2017, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and spoke with agent and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2017. She also told me that there is NO inquiry from Experian or mode of verification from XXXX to Experian showing on my XXXX credit file. And she also stated that XXXX DID NOT verify the verification that Experian shows as reported on XXXX. 
I demand that this public record Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Experian '' XXXX so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : public record Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : Bankruptcy XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. Two XXXX agents assured me that Experian 's XX/XX/2017
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately Creditor Name : XXXX XXXX XXXX Date - XX/XX/2021 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be re-investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.
Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " no later than 5 business days after the completion of the investigation. '' According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thanks in advance for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of inquiry XX/XX/2023, XXXX Date of inquiry XX/XX/2023, XXXX XXXX  Date of inquiry XX/XX/2023, XXXX Date of inquiry XX/XX/2023, XXXX  Date of inquiry XX/XX/2023, XXXX  Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX XXXX XXXX Date of inquiry XX/XX/2023, XXXX  Date of inquiry XX/XX/2023, XXXX  Date of inquiry XX/XX/2023, XXXX XXXX  Date of inquiry XX/XX/202XXXX XXXX XXXX Date of inquiry XX/XX/2023
Product: Debt or credit management

I have made several attempts to communicate directly with PENNYMAC BANK CEO, but was unsuccessful. I would like a direct response from XXXX XXXX XXXX XXXX ( XXXX ).
Product: Debt collection

I have notified this collection agency 6 times and via certified mail that the debt they are attempting to collect is not owed, it is not my debt, and they have been told by their client the debt is not owed and they continue to call and send me letter harassing me to pay a debt that is not owed.
Product: Debt collection

I received a copy of my credit report with the collection from Convergent Outsourcing noted on it from XX/XX/2018 in the amount of {$340.00}. I have never done business with Convergent Outsourcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint about how Equifax stated they verified a Bankruptcy on my credit report. I am aware that under the Fair Credit Reporting Act of 1971, are to only report one hundred percent accurate information. I submitted my complaint through the CFPB and their response was not made through the CFPB which is also a violation of my right to due process. Equifax did this to hide the fact that they know that they are reporting inaccurate information. The response has been the same, verified through a third party XXXX. The information purchased by Equifax from XXXX has redactions that are required under XXXX XXXX laws. XXXX is not provided a full and complete social security number nor are they provided a full and complete date of birth when they purchase public record information from any Court. XXXX then sells that incomplete information to the major credit bureaus as verified and validated information. In doing so, XXXX and Equifax have violated the Fair Credit Reporting Act of 1971 by reporting and providing inaccurate and unverified information about consumers. I demand that XXXX and Equifax be investigated for fraudulent business practices as well as violation of the Fair Credit Reporting Act.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : Please remove XXXX. The inquiry was XXXX XXXXXXXX Date of inquiry : Please remove XX/XX/XXXX it from my credit report. 
not authorized XXXX it from my credit report. 
XXXX. The inquiry was XXXX XXXX not authorized Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a corporate business account on my personal credit report. this is NOT my account, I never authorize this account. I have requested signed verification and proof that the account belongs to me however all they send is a generic letter noting " we verify account is valid '' with no backup. I wrote XXXX XXXX at the Executive Office of XXXX on XX/XX/2019 requesting proof and verification that the account is mine. They responded with statements for a corporation name XXXX XXXX XXXX, this is NOT my company. I send Ms XXXX another letter on XX/XX/2019 letting her know that this is not my company and again requesting proof and verification as required under the Federal Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ). To date I have NOT received any respond to my second letter. It has been way over the 30 days require by law.. This is clearly a violation of the Fair Credit Reporting Act. For months I have been trying to get this resolve. Equifax has yet to provide the proper proof of verification require by the Fair Credit Reporting Act however they continue to report accounts on my credit report that is unverified corporate BUSINESS account and NOT mine. This has affected my ability to get a job, to get credit, to get my professional certification to help better my life. This has made it extremely difficult for me to provide for the basic needs for me and my family. I am in desperately in need of your help to get this company to remove the unverified accounts from my person credit report. They do not care how this is affecting me despite the numerous times I have reach out to them.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, I was placed into baker act into a local hospital in XXXX, Florida. XXXX hospital I was being treated involuntary for an XXXX XXXX in the XXXX  Unit. During this time someone had applied for a XXXX XXXX card in my name, and utilized it to make multiple transactions. XXXX XXXX is attempting to collect the account dues after receiving information that I had mailed over. I had certified a letter over to the company and fax over information relating to the fraud report. They had said they would look into it and never heard from them again. They keep reporting to credit bureau the account active and with a balance conditioning it as " late '' and " delinquent '' negatively affecting my credit score.  Around that time a company called, XXXX XXXX XXXX, also reported a credit card with a balance, I called them and report that the account was fraudulent. XXXX XXXX XXXX closed the account and sent a letter to me notifying that the account creation was unauthorized and the charges were not obligated. They removed the account from my credit report that had been shown as " late. '' Unfortunately XXXX XXXX has failed to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts need to be removed from my credit report. These accounts should not be furnished on my consumer report as they are in VIOLATION!
Product: Debt collection

I have been paying back a student debt since XX/XX/XXXX and only recently learned that I was being charged fees for every payment I made after the fact. I did not sign a loan agreement and I am not legally allowed to be charged interest. I was previously charged {$2.00} for a convenience fee which was reflected on the invoice when making payments. Subsequently, the payments I made are now reflecting new charges being taken out of old payments. The fees range from 12-24 % of the total payment. The fees do not appear on my statement mailed to me monthly nor on the payment invoice when I submit the payment. In total, since XX/XX/XXXX, ECSI has collected over {$500.00} in fees without my knowledge or without notifying me through the mailed statement or before making the payment of any fees that will be deducted from my payments. In XX/XX/XXXX my first payment was not charged a fee but every monthly statement after that has a fee taken out that was not previously recorded on any statements sent to me directly from the company. The fees dating back to my initial payments after XX/XX/XXXX are now different then when I first looked at them in XX/XX/XXXX with a portion diverted from my debt repayment directly to ECSI. These charges were nonexistent and are only now being reflected in the online payment history with my physical statements differing from the ones online. I have tried to email the company to discuss the fees and have called them to speak to a representative and have yet to be contacted or responded to. This company works directly with the University of XXXX, which is holding my transcript until the loan is paid off directly to ECSI. My consolidated report was altered in XX/XX/XXXX to show fees charged in XX/XX/XXXX, that were not previously reported.
Product: Money transfer, virtual currency, or money service

I was a PayPal account user back in XX/XX/XXXX they limited my account and held my remaining funds amount XXXX they said it will be held for 180 days and let me withdraw my remaining balance after 180 days. And right now I have just a week to the 180 days so I decided to login to my account to see unfortunately PayPal has emptied my account to XXXX. They took/transfer all my money to themself they illegally took my money behind my back the money is my life.. and left a note in which I took the screenshot of the receipt of their dubious transaction. Please I want my money back. The email on my account is XXXX PayPal XX/XX/2024. Transfer Paid with PayPal balance Transaction ID XXXX Seller info PayPal Note PayPal loss recovery -.
Product: Credit card or prepaid card

Today ( XX/XX/20 ) I spoke to XXXX who is a customer service rep for Synchrony Financial/Care Credit. I spoke to XXXX at XXXX XXXX  PST and informed her that due to COVID I would have to miss my XXXX payment because I have to pay my rent. I also inform XXXX that I work for the State of California and I was forced to take a 9 % pay cut due to COVID to help cut cost to the state California. XXXX told me that they no longer have deferment as an option because it ended back in XXXX. She said they stopped offering deferring payments because the economy has got better and people are now working. I informed XXXX that I am still working but I am suffering paying my bill because I was forced to take a pay cut through my employer because of COVID. XXXX said there was nothing should could do and if I miss my payment for the month of XXXX I will receive between a {$29.00} to {$40.00} late fee. My payment is due on XX/XX/XXXX and I am unable to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company keep reporting inaccurate information. I have disputed numerous of times for fraudulent activity on my credit report. I have tried to dispute items company refuses to dispute account again for fraud. Lvn funding has never gotten a copy of my identification card or signature for an account with them. XXXX XXXX XXXX is the credit card company reporting I been told them that was identity theft account. XXXX XXXX  is paid off and closed out over seven years still reports the same. I have inquires that are fraudulent as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING XXXX ACCOUNTS LISTED HAS VIOLATED MY RIGHTS : # XXXX XXXX, # XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX & XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C. 1681 SECTION 604A SELECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report today and noticed over XXXX hard inquires I didn't do or authorize. Please investigate each hard inquiry and delete the fraudulent inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXX Balance : {$16.00} XXXX XXXX XXXX Balance : {$44.00}
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.