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

XXXX Experian XXXX Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX offs never have late payments attached to them because they are late by default. XXXX has XXXX late payments attached to it The date opened- not correct almost the 3 bureaus High Credit Amount -not correct almost the 3 bureaus Last reported date-not correct almost the 3 bureaus Last active date-not correct almost the 3 bureaus Date of last payment-not correct almost the 3 bureaus Charge offs should never have past due amounts.. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory account be investigated and permanently removed from my report. 
I await your reply with the above requested proof.
Product: Checking or savings account

I am banking with card XXXX XXXX XXXX. I had a transaction on. XX/XX/XXXX for XXXX. I then on XX/XX/XXXX4 had a transaction for XXXX from The company. I called and made a dispute which I then was told there is no error. I called multiple times to ask why my text alerts did not reflect any transactions the representatives were telling me About and had an escalation put in. I am not in overdraft protection and not eligible but not 1 representative could explain how an unauthorized charge made me Negative. Another escalation and dispute have been Put in but still no one has given me my money or the provisional credit I was gauraunteed on XX/XX/XXXX. I then was provided a merchant code and authorization code for releasing funds and the merchant has no record of my actual transaction because the bank declined it. No emails or documents were even responded to or sent from the company. Also my Text alerts and my XXXX app transaction history do not match what the representitives state nor does my account statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to equifax regarding inaccurate information on my report in reference to an account reported by advance collections bureau. According to the FCRA its a violation to report inaccurate unverifiable information. Its also a violation for this info to continue reporting if after 30days this account wasnt verified. Ive attached copies of my certified mail receipts, i have spend alot of money to resolve this issue please help
Product: Debt collection

I received written papers from the department XXXX XXXX asking for for collection on a loan I know nothing about
Product: Payday loan, title loan, personal loan, or advance loan

It is a money borrowing app, when I paid back I end up paying too much for the fees and interests and stuff that's why I ended up not able to have no more money to pay jt back more and more.
Product: Debt collection

On XX/XX/XXXX I received a letter in the mail from McCarthy, Burgess & Wolff ( MB & W ) stating that they are a debt collector attempting to collect a debt from XXXX. I immediately called them at XXXX and spoke to XXXX XXXX. I disputed the debt and asked for additional information. Between the dates of XX/XX/XXXX I repeatedly called MB & W at the same number requesting updates and continuing to dispute this charge. I also spoke with XXXX numerous times and was advised over the phone and in writing that I do not owe them any money. I provided all this information to MB & W verbally and via email. Repeated calls to MB & W resulted in the same answers where they confirmed that they had received my information and were waiting to hear back from XXXX. On XX/XX/XXXX, I received a letter ( .pdf attached to an email ) from MB & W subject of a debt verification notice. I called and spoke with XXXX again and she transferred me to XXXX XXXX ( who I have spoke to before during this process ). XXXX identified himself as a supervisor. He acknowledged receipt of the information I provided from XXXX and stated that " for some reason that is not enough for them to close this debt. He further went on to state that people call all the time and say they are n't responsible for debt and until XXXX provided them further information this was going to sit in collection with MB & W ''. I believe that I have sufficiently proven that this is not my debt, therefore, I am opening this complaint against MB & W.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU Experian XXXX XXXX XXXX XXXX   TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU
Product: Credit reporting or other personal consumer reports

I'm a 13 years loyal customer Bank of America. I've Personnel and Business account with Bank of America. I've use serval Credit card for my personal and business. I've never late payment and there is no due any credit card payment. I've paid on time. 

It's very unfortunately the Bank of America reported XXXXXXXX XXXX XXXX to XXXX  XXXX of credit card which is very defamatory and my XXXX XXXX XXXX points down. the collection status there no amount mention and there is no status. The report look like some one from Bank of America resource fraud reporting and Harassment me and my financial status. Please remove immediatly from experian report as I've no due Bank of America credit card. 

BOA XXXX information reported to XXXX on credit card as below display. 
Account info Account name BANK OF AMERICA Account number XXXX Account type - Responsibility Individual Date opened XX/XX/year> Status NO STATUS Status updated ( none Balance ( none Balance updated ( none Recent payment ( none Monthly payment ( none Original balance ( none Highest balance ( none - Terms - Payment history No payment history available to display Contact info Phone number ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

Bank of America credit card use vey risk and fraud protection not satisfactory service provides. XXXX of card I use for merchant ( XXXX  XXXX XXXX ) fraud take {$500.00} and return {$3.00} I've dispute and fail to refund back. Where I talk to the merchant ( XXXX  XXXX XXXX ) XXXX agree to pay back. Bank of America XXXX department and the credit card resolution work performance invalid.
Product: Credit card

An old business partner stole a credit account and has been using my bank to pay it. I didn't realize it wasn't for my current business. He does not own that business ( he was removed for theft ). He does not own the accounts ( was created after he left ). The business is closed and XXXX will not close the account or give me access. I can prove I was the sole owner, but they have his social and information instead and they are drawing money for the past year when the business closed in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

someone opened an target account in my name that I was inaware of
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

there are multiple inaccuracies on my credit report that qualify for immediate deletion see letter enclosed for explanation
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and noticed erroneous and inaccurate information on my credit report. These accounts are hurting my credit score and the ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX & XXXX XXXX XXXX XXXX There is inaccurate address that must be deleted from my credit report. My actual address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted this company numerous times disputing what they are showing on my credit report! This company hangs up on me! I call back and they tell me to dispute it with the credit bureaus! A representative told me that they could not find me in the system! I have tried everything!! 

Now I am filing a Cease and Desist and Lawful Notice of Estoppel to remove this from my credit report at once! 

This is not my debt and is hurting my credit score. My brothers name is XXXX XXXX and my fathers name is XXXX XXXX XXXX Not sure if this is their debt or just an error putting on my credit report but it needs to be removed asap! 

Thank you for your assistance! 

XXXX XXXX
Product: Credit card

I used citibank diamond preferred master card credit card for making paying towards XXXX to bureau of XXXX on XXXX XXXX, I also make payment of amount XXXX dollars towards my internet connection provided by XXXX The citibank fraud department disputed these charges the XX/XX/XXXX without my authorizational and didnt not contact me or seek approval regarding this dispute at all. It should be consumer who need to initiate the dispute. 

As a result XXXX was declared void and I received a letter in XXXX from the bureau of XXXX to make the payment plus XXXX dollars file because earlier credit card payment was disputed and refunded. The method of payment needed to be personal check or cashier check. I make the payment via personal check of amount XXXX . 
In XX/XX/XXXX the citibank for some reason make the payment of XXXX dollars to Bureau of XXXX, this also without my permission and I happen to know about this by finding this transaction in my XXXX statement. Now, there is double payment to the Bureau of XXXX. 

The citibank is consistently avoiding to resolve this issue and trying all the delay tactics to not to recover the amount. This include blaming me for this fiasco and not accepting their mistake, forwarding the case to citibank investigator. The whole issue is created by the citibank and I have not role and input to their actions. I need help resolving this issue The citibank was wrong in 1 ) disputing the charge the first time without my authoirization 2 ) Keeping me in the dark during this dispute process and not seeking my approval 3 ) Making the payment on XXXX XXXX on my behalf without my approval and without notifying me 4 ) Delaying the reversal of this payment as I didnt authorize this payment. I authorize the XXXX XXXX payment which the citibank disputed on its own As a result I have to exprience 1 ) Fine for late payment and have to write XXXX $ ( XXXX plus XXXX dollar fine ) 2 ) not been able to make payment to the comcast by credit card and have to make cash payment in person 3 ) force to pay XXXX dollars as a result as the citibank is not interested in recovering the amount which they paid without permission. 
4 ) I was forced to take immediate action to avoid voiding the XXXX license because of citibank disputing the charges. and not letting me know that the payment is reversed 5 ) Massive frustration because of citibank delayed tactics. i send the personal check copy as proof of payment three time before the acknowledge receiving it ( as an example ). Any phone call to them starts with their no knowledge of this issue. 

the citibank does not appear to acknoledge their mistake and doesnt appear to address this issue.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the BBVA Select credit card. On XX/XX/XXXX I received an e-mail from BBVA congratulating me on my new card. On XX/XX/XXXX the {$99.00} annual fee posted to my credit card. On XX/XX/XXXX I canceled the credit card and told them that my reason for canceling the card was that it wasn't worth paying the annual fee for the benefits I received from the card. On XX/XX/XXXX I received an alert from my credit monitoring service that my BBVA account was 30 days past due. On XX/XX/XXXX I contacted customer service and asked that the late fees and annual fee be removed since I had not had the card at any time during the 2nd year. They told me they would get back to me and on XX/XX/XXXX notified me that the late charges would be refunded but they were not going to remove the annual fee because I was aware that there was an annual fee when I canceled the card. I asked them to elevate the request but they said the decision was final and I could file a complaint if I wanted to. They were supposed to call me back in 3-5 days for the complaint but I haven't received any contact since XX/XX/XXXX. 

I think this is fradulent because I never had the card for any of the time that would be covered by the annual fee so I didn't receive any benefit from it. I paid the annual fee this morning before they did any more damage to my credit rating so essentially they are forcing me to pay for something I don't want and didn't receive and won't benefit from.
Product: Credit reporting or other personal consumer reports

discovered that a fraudulent credit card account was opened with Capital One using my personal information without my consent. This fraudulent activity constitutes identity theft, as I did not authorize or initiate the application for this credit card. 

Upon noticing this issue, I immediately contacted Capital One to notify them of the fraud. I also took steps to safeguard my personal information, including filing a report with the Federal Trade Commission ( FTC ) and placing a fraud alert on my credit file. However, I am concerned about the handling of this situation, the impact on my credit report, and the potential misuse of my personal information. 

I am requesting the following actions from Capital One and the CFPB : 1. Immediate closure of the fraudulent account.

2. Confirmation in writing that I am not responsible for any charges or activity on the fraudulent account.

3. Removal of any negative impact on my credit report resulting from this fraudulent account.

4. A thorough investigation into how my personal information was used to open this account.

This fraudulent account has caused me significant distress and concern over the security of my personal information. I respectfully request the CFPBs assistance to ensure that Capital One takes the necessary corrective actions and addresses this issue promptly and fairly.
Product: Vehicle loan or lease

Re : Letter to Remove Inaccurate Credit Information/ Late Payments To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { Fifth Third Bank, NA XXXX Late Payment 30/60 days } By the provisions of the Fair Credit Reporting Act, I demand that these items be 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. 
Dates to be investigated : XXXX XXXX, XXXX XXXX, XXXX + Reason= The creditor advised I did not make my first payment on time. However, I was advised the payment was received. I asked the creditor for a letter in reference and I've been told multiple times the letter would be sent. Multiple calls were made ; I was advised the representative does not have access to the portal and was unable to send a letter. This has caused a " domino affect '' on my credit report in regards to accurate payment history being reported on my credit report. 

Thank you for your XXXX and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This should serve as a written notice to MicroBilt / PRBC that I XXXX XXXX wish to put a security freeze on any information on my account.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo ) 281 SW715.719 presumed that no proof of the alleged debt. nor therefore any such debt in fact therefore exist. ( Please remove these accounts before I seek legal litigation for defamation of character ) XXXX XXXX XXXX balance {$11000.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX balance {$1400.00}
Product: Checking or savings account

Comenity Capital Bank subsidiary Bread Financial has been unreachable since XX/XX/XXXX. Can not log in to website. Can not reach a customer service person. The number just rings or hangs up on you. On social media, the only thing they are saying is they had a system update that took longer than expected. The only comments on XXXX that they respond to are the credit cardholders re : late fees being waived because they can't pay their bill. They are NOT answering questions to Depositors. I have asked about my C/D with concerns about needing to close it and receive my funds. I asked them in the form of comments on XXXX and in XXXX  XXXX and on XXXX, because you can't reach them otherwise. My C/D term is XXXX XXXX  and will auto renew first of XXXX if I don't close it before. I'm concerned about my funds and that they will try to charge " early w/d fees '' if I'm unable to close it before the auto renew. But more so, I'm concerned they no longer have my funds. There are no official press releases or communication from Bread Financial or Comenity Capital Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 
In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting

Equifax refused to properly validate a tax lien on my credit file after 3 months of correspondence from me with affidavits and calls. They simply stated that they validated this lien with the states county and court. I asked them to validate the specifics and they have not. 
However, I spoke with both entities and they informed me that they had NO correspondence with credit bureaus. This is untrustworthy practices by Equifax.