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

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, you reported transactions from XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/Corporation making the report are not included on the consumer reports, yet you are reporting this information to my consumer reports!

Furthermore, 15 USC 1666b ( a ) : ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, Last XXXX of XXXX XXXX, XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$330.00}. 
XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliant reporting standards. 
According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. I did not authorize anyone to access my report or make these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I see multiple 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Checking or savings account

I deposited a XXXX Treasury check via mobile deposit on XX/XX/XXXX doe {$3900.00} and was provided an electronic notice that {$220.00} would be available immediately and the rest would be available on XX/XX/XXXX. I called US Bank Customer service to ask why my funds were not released on XX/XX/XXXX. They told me that they do not have access to that information and were not able to provide me written explanation or notice of an exception check hold, which is required by XXXX XXXX. They said the risk department placed the hold but they can not be contacted or asked why a same day availability item was placed on an extended hold. US Bank customer service told me there is nothing they can do but wait out the check hold. I was not provided written notification that my check was placed on an additional hold and no one can verbally tell me why my check was placed on hold. They will not further escalate issue. Ive had my account since XXXX, my direct deposits come here, and I have automatic payments that come out. This is my primary account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates has two accounts with false information. They have purchased two debts that should have been removed from my credit by now. One is XXXX XXXX for {$3400.00} and are reporting it opened in XX/XX/XXXX. This account was opened in XXXX. My last pmt was in XXXX XXXX. This needs to be removed from my credit immediately. The 2nd account was thru XXXX XXXX for {$1700.00}. They also show this opened in XX/XX/XXXX and it was opened around XXXX as well. My last pmt on it was also aroundXX/XX/XXXX and should be removed immediately. They won/t take this off my credit reports and continue to use the wrong dates and false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I found a fraudulent loan opened in my name. The lender, XXXX, Account XXXX, in the amount of {$10000.00}. I called XXXX and spent XXXX minutes discussing the fraudulent account. XXXX provided me with Reference number XXXX. On XX/XX/XXXX I mailed XXXX a certified letter via XXXX mail XXXX XXXX, containing a Police Report, FTC report, Drivers License and Social Security Card. Along with a FCRA section 623 letter, demanding explanation of investigation procedures, proof of my signature for accuracy and verification. The letter was received on XX/XX/XXXX by by Name : XXXX. I havent received a single piece of documentation. XXXX FCRA, what XXXX is doing is illegal. Its now past 30 days. I am requesting this fraudulent account be completely removed from all 3 credit bureaus as it is unverified and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Mortgage

On XX/XX/, I had to file an insurance claim on a tree falling onto my roof, it damaged my roof, siding and gutters. 

I end up not following up with the insurance claim since I was advised by family and friends that my premium for homeowner insurance will sky rocket. 

I called in XXXX of XXXX  to put myself on FEMA forbearance, realizing that I can no longer cover the mortgage on my own plus manage the roof repairs, siding repairs and gutter repairs. I was told that the forbearance was approved and I will be on their forbearance plan. 

I called back the servicer on XX/XX/XXXX  and was told I am off of forbearance since FEMA  is no longer supplying forbearance under the zip code. Before i spoke to a supervisor, the lady told me that they have no evidence of me calling back in on XXXX and I was on FEMA  forbearance since XXXX of XXXX  that I haven't receive any notice or acknowledgement about. Supervisor told me that there's absolutely nothing he can do to help me in regards of the FEMA forbearance.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized hard inquiries listed on my credit report, which is in violation of my rights under 15 U.S. Code 1681b and The Privacy Act of 1974. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization, whether written, unwritten, verbal, or non-verbal, as permitted by 15 USC 6802. 

The following unauthorized inquiries were made without my consent or authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were conducted without any permissible purpose as defined by the aforementioned statutes, and their presence on my credit report has negatively impacted my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action against the entities responsible for these unauthorized inquiries. Furthermore, I demand that all credit reporting agencies immediately remove these inquiries from my credit report to prevent any further harm to my credit standing. Thank you for your attention to this matter, and I anticipate a prompt resolution.
Product: Debt collection

A Stipulation Of Discontinuance was filled on XXXX XXXX, XXXX in XXXX  XXXX XXXX Civil Court after 3 years of litigation and the Plaintiff failed to convince the court that I was responsible for the credit card debt that I knew nothing about. The statue of limitation has far expired. 
The Plaintiff surprisingly started another court action in New Jersey and used many illegal methods to obtain judgement. 
Claiming that I made a XXXX payment in XXXX - never made any payment. 
That I failed to respond to their discovery - Never received it. The signature presented in court was not mine. 
The debt in question is over 10 years. 
The court denied my application for Reconsideration on XXXX XXXX, XXXX without considering the points raised above or allowed any hearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. XXXX representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately. ( Macy 's and DSNB American Express ) If XXXX just monitored the information reported, they would clearly see that the dates reported have changed. This is Fraud.
Product: Credit card or prepaid card

I opened an account with Comenity Capital Bank sometime in XX/XX/2022. I received my first statement in XXXX and paid off the balance of {$360.00} on XX/XX/2022. But they also charged me the next day XX/XX/2022 for {$360.00}. See Exhibit # 1 on our bank statement attached. 
I have called this company twice and was told that my payment had been returned. No-one could tell my how or why. I tried to explain that this was a debit transaction and there was no way that could happen. It did not matter. If you look at my account balances at this time, my account was never close to being in the negative. My wife also works for XXXX XXXX XXXX XXXX XXXX. My account have NEVER been negative. 
After we received no help from their customer service reps, my wife spoke to her employer ( SLFCU ) and filed a dispute. We received a provisional credit XX/XX/2022 of {$360.00}. See Exhibit # XXXX on my bank statement. 
On XX/XX/2022, I received a check from Comenity Capital Bank for $ XXXXWhy? if we had returned a check to them? My wife let her employer know the dispute had been settled and that I had received a check from Comenity Capital Bank. XXXX reversed the provisional credit of {$360.00} on XX/XX/2022. See Exhibit # XXXX of my bank account. I deposited the check from Comenity Capital Bank on XX/XX/XXXX. See Exhibit # XXXX. We should be paid off now right? Nope. The next statement I received now says i owe them {$360.00} plus a {$30.00} returned check fee. I don't owe them ANYTHING and no-one will listen to me when I call or even try to help me. I have paid my last two minimum payments so they don't report bogus information on me. I want this closed. I want my two {$30.00} payments that I made for XXXX and XXXX and I want the XXXXwo {$9.00} I was charged for the two payments I made that I do now owe. I want this card closed and to never hear from this company again.
Product: Credit reporting

This account is reporting inaccurate # XXXX and this account XXXX does not belong to me. The accounts being reported inaccurately are hindering me from gaining a proper credit rating. I request that agents of Transunion go beyond a cursory investigation into this mater.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian you are reporting inaccurate and unverifiable information on my credit report. Experian you are Hereby Put on Notice that you reporting information that are inaccurate. 

The Information is not information relating to any transaction by the consumer. Block all information relating to identity theft report deleted 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 am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiry listed below from my credit report. I am a victim of a data breach, and these items were added without my knowledge or authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are the result of identity theft. 
Fraudulent Account : XXXX  - XXXX - XX/XX/XXXX - {$4900.00} Fraudulent Inquiry : XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had phone service through XXXX and I changed phone carriers to XXXX. When I changed companies they sent payoff to XXXX to buy out my contract, however, I recently discovered that XXXX turned my account in to collections with Diversified Consultants Inc.At the time that I changed cell phone companies I went to XXXX and paid my remaining balance on the account so there was nothing still owing.. The amount that they sent me to collections for was for the remainder of my contract which was paid off by XXXX. I have contacted Diversified Consultants and they won't do anything, they tell me that I have to talk to XXXX. I have contacted XXXX and they tell me that it has been too long and they don't have any records on my account anymore. I also contacted the three credit bureaus and XXXX took the account off of my credit report but the other two agencies didn ; t respond and have done nothing to help me resolve this. The amount that it shows me owing is {$1200.00}. Opened on XX/XX/2015. I am getting nowhere with trying to resolve this derogratory reporting on my credit with both XXXX and XXXX.
Product: Checking or savings account

Timeline of Events : Date Account Opened : XX/XX/2023 Date of Account Blockage : XX/XX/2023 Amount in the Account at the Time of Blockage : Can not access my account, about {$5000.00} Description of the Issue : Approximately three months after opening my HSBC account, I experienced a sudden and unexplained blockage of access to my account. HSBC provided no specific reason for this action. I have made multiple attempts to communicate with HSBC regarding this issue but have not received any satisfactory response or resolution.

Actions Taken : Contacted HSBC customer service.

Requested an estimated time for resolution.
Product: Credit card

I have a XXXX BIG card and made my payment when I got paid, the payment posted on XXXX/XXXX/2016. On XXXX/XXXX/2016 I received a warning email that I had not made a payment on the card and if I did not make a payment by XXXX/XXXX/2016 I would be assessed a late fee. I contacted the card company which seems to be Capital One and they stated that they close a cycle on the 3rd and do not count payments made previous to that as part of the payment cycle. This feels like a predatory practice designed to incur late fees and harm consumers that are on a fixed income.
Product: Mortgage

Contacted Freedom mortgage to have my Mortgage Insurance removed, I contacted them over 10 times over the past month and a half, I provided everything they asked for and they are not removing my mortgage insurance. I have had the mortgage over 6 years, have made every payment, have fico or XXXX, the home value is around {$320000.00} and the mortgage is around {$180000.00}. I was told to send a check for an appraisal with was wrong info ( have the email ) then was told to send {$150.00} for XXXX and they got it and are saying I do not qualify but they did not pull a XXXX  yet, every representative tells me something different.