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

Despite four mail certified written requests to TransUnion credit bureau, XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. The unverified items listed on each letter remain on my credit report in violation of Federal Law.  They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of TransUnion investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? TransUnion has NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, TransUnion has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA TransUnion is required to promptly DELETE all information which can not be verified.
Product: Payday loan, title loan, or personal loan

The customer service representative will not verify my identity unless I provide them my full social security number, date of birth, zip code, email address, phone number, bank routing number and bank account number. I dont feel comfortable giving them all that information and feel its a bit excessive in order to confirm my identity. I did, however, provide all the information excluding my banking information and they said unless I provide all my personal information, they are unable to answer any specific questions about my account and would only be able to answer general questions. I feel this violates my rights and privacy and raises the risk of potential identity theft.
Product: Credit reporting or other personal consumer reports

This letter constitutes a formal complaint regarding the inaccurate and harmful information contained in my Experian credit report. I am writing to dispute the following : XXXX. Failure to Forward Relevant Information : I believe Experian has failed to forward relevant information to furnishers, such as stating I have delinquent account in the past 2 years, and number of inquiry as well as revolving high debt which all included incorrect information. This inaction has directly resulted in continued reporting of inaccurate information to creditors resulted in creditor negative attacking my account and reducing credit limit which also further affects my credit score.

2. Failure to Use Reasonable Procedures : I believe Experian has failed to use reasonable procedures to ensure the accuracy of consumer files. This includes inadequate verification of information provided by furnishers, insufficient investigation before providing incorrect information.

Consequences of Experian 's Actions : These inaccuracies in my Experian credit report have had a severe negative impact on my financial well-being, including : * Credit Limit Reduction : XXXX XXXX has limited my credit line due to the inaccurate information provided by Experian.

* Difficulty Obtaining Credit : I have been denied credit or offered less favorable terms due to the negative information on my Experian report.

* Increased Interest Rates : I may be facing higher interest rates on existing loans or credit cards due to the damaged credit score.
Product: Mortgage

I have this loan since year XXXX when I purchase my home. I did a loan modification on year XXXX terms as stated on the modification the HELOC to closed end fixed rate with an interest at 5.00000 % until XX/XX/XXXX. They changed the name from XXXX to Shellpoint, when this was done on XXXX XXXX XXXX XXXX XXXX, they changed my fixed interest rate to a variable rate 13.750 % and now to 13.250 %. Since XXXX I had called Shellpoint every other day, send then fax, emails, mail, with the information and proof of the fixed interest rate I have but they keep opening and closing cases and not fixing the problem. I came from paying XXXX to XXXX paying late fees because I can't pay that amount of money. I'm not suppose to be paying that triple interest rate. I need help I don't know what to do anymore they are not trying to fix this problem it just keep getting worst. I have other main loan on my home and a family of XXXX to take care. I'm going crazy right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XX/XX/XXXXate of inquiry XX/XX/XXXXXX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXDate of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account listed under  XXXX  states I am paying as agreed. Account is included in bankruptcy with no negative balance prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX XXXX I NOTIFED CAPITAL ONE THAT I HAD COVID IN WAS HOSPITALIZE I WAS TOLD BY TWO REPRESENTATIVES THAT THEY COULD WORK WITH ME. THEN SHORTLY AFTER I LOSS MY JOB. I NOTIFED CAPITAL ONE OF MY FINANCIAL HARDSHIP ALONG WITH THE FRAUDULENT CHARGES ON MY ACCOUNT BUT NOTHING WAS DONE. IVE CONTACTED CAPITAL ONE A TOTAL OF XXXX TIMES WITH NO RESOLUTION JUST SPEAKING TO RUDE CONTACT REPS THAT DIDNT WANT TO HELP. IM REQUESTING THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT UNDER THE CARES ACT WITH A ZERO BALANCE. IVE LOST SO MUCH DURING COVID IN IM JUST NOW GETTING IN A BETTER PLACE. IN GETTING A HOME FOR MY FAMILY THIS ACCOUNT HOLDING ME BACK. IVE TRIED SO MANY TIMES IM BEGGING FOR HELP AT THIS POINT. THIS HAS CAUSED ME TO SUFFER HUMILIATION AND EMBARRASMENT ALONG WITH EMOTIONAL DISTRESS. CAPITAL ONE IS VOLIATED 15 U.S.C. 1692 ( C ) OF THE FAIR DEBT COLLECTION PRACTICES ACT BY HARASSING ME REGARDING THIS. IVE SENT IN A TOTAL OF XXXX LETTERS TO CAPITAL ONE NO RESPONSE. 
The below listed account was charged off in ( XX/XX/XXXX THAT WAS WHEN THE FIRST CO APPEARED ). This account has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 

*Proof is Enclosed Dates Account Reported CO : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX That I attest that the foregoing statements and the submitted supporting documents are true and correct to the best of my knowledge in this affidavit. 
PLEASE HELP ME. 

I DEMAND THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT FOR THESE XXXX REASONS AND MULTIPLE VIOLATIONS, CAPITAL ONE IS AWARE OF THIS ISSUE IN HASNT ONE TIME TRY TO CORRECTED IT. 
Name of Account : Capital One Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I've received A Copy Of My Credit Report and saw My Date Of Birth Wrong And these fraudulent accounts and Inquiries and addresses Reporting please help me remove/delete these fraudulent accounts and inquiries out my credit report its been destroying my life and my family life and this is a major violation of FCRA LAW CODES : 15 USC 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

15 USC 1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

605 B A consumer reporting agency must block the information within four business days of receiving proof of identity, an identity theft report, and a statement from the consumer. The agency must also notify the furnisher of the information. The agency may decline or rescind a block if they determine it's reasonable to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Capital One is reporting incorrect information on my credit repot. 
-Capital one is reporting that I was late XX/XX/2020 on all XXXX credit bureaus
Product: Credit reporting or other personal consumer reports

Kindly review this complaint thoroughly, as it has been submitted with serious concern. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that are not mine. This issue is highly distressing and has been causing me significant stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several deregatory accounts that are reporting to my credit report inaccurately. I have sent XXXX, Equifax, and XXXX several dispute letters in an attempt to make them either update the account to reflect correctly or remove the account completely. They have failed to update the accounts after several investigations. I have closed accounts that still show a balance, I have accounts that are reporting different account numbers across all 3 credit bureaus. These are all in violation of the FCRA. The listed accounts below need to be updated promptly or removed from my credit file immediately. 

I HAVE ATTACHED SCREEN SHOTS OF THE BELOW LISTED ACCOUNTS REPORTING INACCURATE AND INCOMPLETE INFORMATION WHICH ARE UNDERLINED. THESE ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I'm writing to formally address a matter of utmost importance concerning a violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ). 
My consumer report, under your guardianship, has unauthorized entries related to consumer credit transactions that are IDENTITY THEFT. NO PROPER DOCUMENTATION SUPPORTING SUCH CLAIMS AND ALLEGATIONS HAVE BEEN SUPPLIED AND MY WRITTEN AUTHORIZATION WAS NEVER GIVEN : I HAVE ASKED FOR THIS PREVIOUSLY BUT BECAUSE THE CORRECT INFORMATION WAS NOT SUPPLIED, IT BRINGS US HERE. Please be explicitly clear on this matter : at no point did I grant or was approached for any authorization pertaining to these transactions. XXXX XXXX XXXX XXXX XXXX XXXX  alarming to have to go through these things, and the implications for me are profound.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 my 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 in 60 days 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.

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: Checking or savings account

I have come to the conclusion that KeyBank is openly committing accounting fraud. When I woke up at roughly XXXX XXXX on XX/XX/14, my account balance was positive. However, throughout the day it unfortunately became overdrawn. I deposited funds to get my account back in good standing. 

Despite this, and despite their entire ledger saying that I was never in the negative, I got charged an overdraft fee for some reason? 

And its not the first time I've seen this happen. I have plenty of evidence. 

Also someone drove their car through the XXXX branch. It has been months since it has been repaired. You guys don't. care about XXXX customers clearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is cross referencing my name with a XXXX XXXX formerly XXXX. I have a XXXX credit card with them and the other XXXX XXXX has an auto loan. On the XXXX application I see her auto loan along with my credit card account and the account name references XXXX XXXX not XXXX XXXX XXXX. Ive reached them multiple times and have done nothing. This has caused other of XXXX XXXX debt to come to my credit reports. I was able to dispute that with credit bureaus but I am afraid that they will keep associating me with this person. Please have XXXX and credit bureau from cross-referencing me with this XXXX XXXX. Thanks, XXXX
Product: Debt collection

My credit score has dropped tremendously yet again due to this collection account which has changed ownership now twice. The original creditor is XXXX XXXX XXXX  on XX/XX/XXXX the collection was sold to XXXX XXXX XXXX in which that company violated my consumer rights and broken many FCRA laws and therefore the collection account was deleted by XXXX XXXX XXXX. The documents of that deletion is uploaded as well. Currently as of now once again my credit has gotten penalized by another debt collection agency named QUALIA COLLECTION SERVICES as of XX/XX/XXXX. QUALIA COLLECTION SERVICE was sold the same identical information from the previous debt collector. I have no contract or obligation to QUALIA COLLECTION for this account as already been settled. Now this previous debt is currently reporting on all three credit bureaus damaging my credability. I truly believe this is illegal and a frivolous business practice of penalizing me multiple times by the same collection. I'm requesting that QUALIA delete this prevously deleted account frommy credit report and cease all communication and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 
Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, and in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( I ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX )
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$6400.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.