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

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX L - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting or other personal consumer reports

XXXX A XXXX Equifax is reporting the following items incorrectly in my credit report published by Equifax. I filed a police report for identity theft and have also requested these companied to seize all communications but are still communicating via credit reporting company Equifax. Under the FDCPA section 15 US Code 1692 -C ( Ceasing communications ) Equifax is violating my rights by illegally reporting the following items. 1. XXXX XXXX Account # XXXX. Please have Equifax remove this trade line immediately as it is a violation of my FDCPA rights, section 15 US Code 1692 - C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got hit with a hard inquiry on XX/XX/2018 from XXXX XXXX. This is fraud and not authorized by me. I never applied for this card or any card on this specific date.
Product: Checking or savings account

On XXXX/XXXX/XXXX at XXXX XXXX, I made a deposit of {$1600.00} through my phone. The deposit was a payroll check that I had previously deposited into the same account, the same way for the past 2 years, without any problems. The check is from XXXX, from a local city of XXXX, Ca. 
Previous checks from the same account, around the same amount had been deposited XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - no issues no holds. 
For some unknown reason, I was advised today XXXX/XXXX/XXXX that a hold was placed on this check. That meant all of my scheduled bill payments were not sent out yesterday as scheduled, they were reversed today and I was charged several {$35.00} NSF fees. 
These payroll checks have never had a hold placed on them in the past, nor have any of them been returned to my account in any adverse way. 
It is unfair and unreasonable to place a hold on this check " just because '' Bank of America decided to. Now I am in jeopardy of being late on several bills that I attempted to pay and am paying unjustified NSF fees. 
I called customer service and was advised they did not know why the hold was placed. 
The bank can not simply make up their policies and procedures as they feel necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

i dont and never had a XXXX XXXX account. it is now showing in collections on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about my persistent and unsuccessful attempts to correct inaccurate reporting regarding a late closed account on my credit report. Despite numerous efforts, this error has not been resolved, and it continues to negatively impact my credit profile. 

The issue at hand pertains to the reporting of a late closed account on my credit report, which is inaccurate. I have taken the following actions to address this matter : I initially became aware of the inaccurate late closed account on my credit report when I reviewed my credit report. 

I contacted your bureau to dispute the accuracy of this account and requested its removal or correction. I provided all the necessary supporting documents and explanations to support my dispute. 

Subsequently, I followed up to inquire about the status of my dispute and request updates on the investigation. 

Despite my repeated efforts, the inaccurate late closed account remains on my credit report, adversely affecting my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) requires accurate reporting of consumer credit information. It is essential that my credit report reflects my financial history accurately and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and resolve this issue immediately by removing the inaccurate late closed account from my credit report. The prompt resolution of this matter is crucial for my financial well-being. Failure to address this issue within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccurate information highlighted and proof of previous dispute attempts and communications. This late closed account should be removed by the credit bureaus : XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2200.00}
Product: Prepaid card

An Exec from US Bank is new on the Board of XXXX XXXX XXXX XXXX and now I can not access my child 's educational scholarship funds without utilizing a US Bank issued and controlled card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response. All documentation you may need to verify my identity is attached to this complaint and I fully authorize these disputes. Please keep in mind investigations are not supposed to take longer than 30 calendar days, not 45, not 60. Please abide by the law. 

-bank statement -official photo of my id -official photo of my social security card Please do not respond back to this saying you can not move forward with my dispute because of lack of information needed to verify my identity. You have everything you need.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a debt validation letter to Velocity Investments LLC regarding an account ending in XXXX, with a balance of {$37000.00}, originally from XXXX XXXX  XXXX To date, they have not validated this debt. Despite my dispute, XXXX continues to report this debt as accurate. I request Velocity Investments LLC to cease all collection activities and report the debt as " Paid in Full, On Time '' to all credit reporting agencies. Additionally, I request XXXX to update my credit report accordingly and to notify any company that accessed my credit report within the specified timeframes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 card or prepaid card

XX/XX/XXXX : We charged {$17000.00} to this card for an XXXX XXXX rental in XXXX. 
XX/XX/XXXX : We paid the bill in full to Citibank CC XX/XX/XXXX : XXXX refunds {$17000.00} to this account as they cancelled our rental due to the building being sold. 
XXXX. XXXX : Initial call to Citibank CC to request a refund of the large balance. 
XX/XX/XXXX : {$16000.00} is removed from our account for the requested refund. We do not get the refund. 
XX/XX/XXXX : XXXX XXXX calls to see where the refund check is. Citibank CC says the check was drawn on XX/XX/XXXX and we should wait another XXXX days for receipt. 
XX/XX/XXXX : We have not received refund so XXXX XXXX calls again. We are told it was sent and has not been cashed. We are told that we now have to therefore cancel this check that was " lost in the mail '' in order to request another check to be sent. 
XX/XX/XXXX : We again call to be sure another check is being sent. Yes we are told it is in process XX/XX/XXXX : We have not received the second check and XXXX calls again to see where it is. We are told by XXXX the check was AGAIN cancelled by us but it was not done by us. We are never told why this happened. We ask for ANOTHER ( third ) check to be sent. Are told it will take several days to review again for XXXX days by a panel, and that we need to wait another XXXX days to send and receive that THIRD check. We were speaking to XXXX and told his supervisor is XXXX XXXX. 
XX/XX/XXXX : XXXX XXXX calls again to check status of the check. He is told the refund was not approved. Our account shows {$16000.00} was again returned to our account ( this is the money we want refunded ). We do NOT need want or request a {$16000.00} credit be applied to the Costco account. We need the money back. We are told the rep is again requesting a refund for us and it will again take XXXX days to review and XXXX days to get it in the mail, or we may be able to request that the money by electronically transferred into our account at the time of review approval. 
Today we have nothing but assurances and no idea if we will ever receive this money back without taking some type of legal action.
Product: Debt collection

We received several calls on our home and cell phone from a XXXX XXXX from Regional Processing phone # XXXX, leaving a file # and saying her client had a business issue with us. My husband did finally speak with her, and was told that he took out a {$350.00} loan on line several years ago and did not pay it back, and that she could take a payment over the phone. No further details. No loan was ever taken out to his knowledge and he gave her the name and phone # of our lawyer and asked for proof of debt to be mailed. 
Just reporting the scam. Thank you! 
Just reporting
Product: Debt collection

There was a court order on XX/XX/XXXX case number XXXX. Did not receive any paperwork in the mail or any other notices, for this case. This case was paid off in XXXX. I have accounting records to show this was paid off. The person I was transferred to would not disclose any information except that they have been trying to collect. That statement is false because they were and had collected full debt paid off with same company three years ago.

So four years ago they got payments and let it sit for three years and then decided to go after this debt again. This is false, Deceptive practices from valley credit service Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681. 

The account is as follows : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - I.D . # XXXX ( XXXX ) or I.D . XXXX Equifax or XXXX credit reporting agencies. 
15 U.S.C. 1681 Section : 602 ( A ) state I have a 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. 
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 nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I am requesting that these companies abide by the law and follow the rules accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Account # XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX, I settled with XXXX XXXX XXXX regarding the XXXX  XXXX XXXX XXXX  Account for {$150.00}. The account is paid in full and is closed. The charge off for XXXX  XXXX XXXX XXXX was not updated when I reviewed my Equifax and XXXX  Credit Report in XXXX of XXXX. XXXX  was the only credit bureau that removed the account in its entirety. 

I contacted Equifax and XXXX  on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. XXXX  sent me an alert XX/XX/XXXX innforming me that XXXX XXXX has sent information stating that the account is a chargeoff and it will not be updated. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. 

I spoke with a representative on XX/XX/XXXX from XXXX  and they stated that they are unable to update the chargeoff as Paid. l have attached the XXXX XXXX Letter for payment, Settlement Letter from XXXX XXXX XXXX, and a Receipt to USPS for your review.
Product: Credit reporting or other personal consumer reports

I hope you are doing well. I am following up to address the ongoing issue of fraudulent items on my credit reports. Despite my previous efforts and providing substantial evidence to support my claim, these fraudulent items continue to appear on my credit report. This persistent issue not only undermines my financial credibility but also calls into question the integrity of the credit reporting system. I request a thorough investigation into these fraudulent items and immediate action to remove them from my credit report. Accurate and fair reporting is essential to maintaining the integrity of the credit reporting system. Therefore, I seek your assistance in removing these fraudulent items from my credit file : Experian : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt or credit management

I was using an app called Tally to help pay off credit cards. Got an email saying they were going out of business and my balance would be passed to another company. Tally app no longer works so I dont have access to any of my previous financial records. Ive gotten very little information from new company short of an email saying Im behind on payments. Tried multiple times to log in to their system and it just freezes up. Finally spoke to someone on the phone but unfortunately its through a call center in XXXX and I couldnt understand the gentleman I was speaking with. Only thing I did glean from the conversation was that my interest rate was changed from the original amount I signed on for and has since risen drastically higher. Feeling lost and helpless in this situation. I was just trying my best to payoff my debt, now I just feel taken advantage of and scared for my financial situation.
Product: Credit reporting or other personal consumer reports

I sent an initial letter on XXXX XXXX asking to remove the alleged missed payment and it was not removed. They replied saying they verified it but did not specify how. 
I sent a follow up letter XX/XX/XXXX requesting the method used to verify the alleged payments and requested the following : -Date the late payment was validated -The method used to validate the billing error -The name of the person who was granted permission to validate the errors -Any and all documentation used to determine the error They responded by telling me once again it was validated but did not provide me any proof of how or any answers to the above questions. The only thing updated on my credit report after this second letter was that the account had been updated to closed. 

According to 15 U.S.C. 1681b A consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction of the consumer to whom it relates. 
I declare that I never gave Experian written instruction or consent to furnish any of the inaccurate late payments reporting on my credit report. 

Furnishing something on my credit report that is not validated and furnishing it as accurate without proper verification is, in fact, fraud.
Product: Debt collection

Asked PNC bank to stop contacting after XXXX of our mother. They containually contacted her to the point of her becomming upset. She had contacted them regarding this debt to come and take her residence. They were not interested at the time. She then had to go to a XXXX XXXX. She could not pay for this home & PNC/XXXX XXXX   was notified ( at the same time ). They had someone come out and were not interested. Our mother XXXX over a year ago. She had another XXXX after recieving another notice from PNC bank when we had asked them to stop these notices several times. She was XXXX   years old and had been in a XXXX XXXX. She then XXXX XXXX   from this XXXX. We filed complaint after complaint about this as now they are harassing us. She was living on assistance when she XXXX   and there were No assets.

The property in question was offered to PNC. They were not interested and wanted her to pay the balance. She could not. She became very ill, we think from ongoing harassment from PNC. She was consumed with medical issues and could not pay her property taxes at said property. The county seized her home after she was admitted into the ER and hospitalization.

This was several years ago. Our mother was continually contacted by PNC after we continually tried to work with them to stop harassing her and help. They were not interested in only her paying the balance. She was very ill & elderly.She since has XXXX  from a XXXX. Her second one shortly after reading letters from PNC.

We sent them the certified XXXX XXXX. We asked them to leave us alone in our time of grief. They continue and now address the correspondence to " To the estate ''. There is no estate. She was a widow with no assets. ALL of her funds went to her medical care as did ours. She had XXXX XXXX in the last couple of years after she would read these notices from PNC even though we had asked then to cease communication.