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

Last XX/XX/XXXX he submitted a complaint by this same means where exactly 60 days later I received a response completely far from reality, where they say that the information I request is EXACT, CORRECT AND VERIFIED. In the same way they say that on XX/XX/XXXX I was sent information regarding this complaint. information that to date I have not received. so I DEMAND KINDLY, that you send me a copy of said information that was sent to my. 
On repeated occasions I have tried to solve this case directly with the company and the answer remains the same, so this will be my last attempt to solve things, if I do not get the answers I requested, I will be obliged to take this to court. legal, since it is affecting my personal credit, and they are not complying with the laws set by the FCRA. 

Attached you will find the information that I disputed in the first instance exactly on XX/XX/XXXX and that to date I am still disputing with the company and I have been trying to solve this problem for more than 3 months and the answer remains the same. 

I hope that with the information attached where it is shown for my legal records all the attempts that I have with this company to solve the problem and that it is taken seriously and accurately, I will be notified of all the information in writing and by postal mail of the people with whom they verified the information, the date on which the information was verified and that the verified information is not only online but also in writing. 

The information that this company shares is completely inaccurate, incomplete or simply does not have any type of data in the system. 

As can be seen in the files sent on XX/XX/XXXX and that 2 months later they are still exactly the same and hoping they don't take 60 days again to give me an answer, the following things are incomplete : 1 ) the account history shows inaccuracy, there are months such as the months of XXXX XXXX XXXX XXXX XXXX XXXX without data, then the account goes into collection. 

XXXX ) The Balance History only shows the months of XXXX, XXXX, XX/XX/2021 but it does not show me the previous months since the account was opened, so I demand that those months be verified and shared in my file. 

XXXX ) The account number only shows 3 digits, so the complete or exact account number with reference to this account is not found. 

XXXX ) The recent balance does not present any report. 

XXXX ) The monthly payment does not present any information. 

XXXX ) The closing date of this account is not shown in the file. 

XXXX ) The payment date for this account is not shown on file. 

8 ) The term of this account was 12 months, the 12 months are shown as paid then the account does not have any information and appears in collection.

As you can see in the attached files, the information was not verified, it was not corrected and it does not show accuracy in the report, so they are violating any rights that I may have under the FCRA, so this will be my last attempt to solve this problem. with you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit reports that are from after XXXX or XXXX when was the last time I tried for credit as I was trying for another car and got approved by XXXX  XXXX. I got an alert that a fraud was us so bus loan denied on my report on XX/XX/2021 XXXX
Product: Debt collection

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. Company or Organization : SUNRISE CREDIT SERVICES XXXX Date fraud began XXXX XXXX Date that I discovered it:XXXX Total fraudulent amount : {$180.00} Pursuant to 18 usc 8 , I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE ALL REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THESE ARE THE LIST OF FRAUDULENT ACCOUNT THAT ARE BEING REPORTED ON MY CREDIT REPORT : XXXX XXXX XXXX : XXXX no : XXXX Balance : {$51000.00} XXXX XXXX XXXX  : Date Opened : XXXX XXXX, 2021 : Balance : {$50000.00}
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( aX5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following account : XXXX XXXX XXXX  Account : XXXX I was never late on the paid off account listed. I have late payment reporting in XX/XX/2023 and Im not sure how that is because I have always paid on time. Please show me documentation showing proof of the transaction showing I was ever late to support your inaccurate reporting on my credit report. I have encouraged family members and friends to join you all to reap the benefits of this great company. These late payments have affected me tremendously dropping my credit over XXXX point I have become depressed as I seem to never be going to be able to purchase a home. No one in my family owns a home and I want to break the generational curses. This is an INVALID late payment and I ask that those late payments be updated in the payment history to paid as agreed never late ( PAANL ). As the FCRA allow 30-days for this issue to be rectified This is also a violation of 15 USC 1681b ( a ) ( 2 ) ( Ai ) as I the consumer did not provide written instructions to release any information, and doesnt include any information solely as to transactions or experiences between the consumer and the person making the payment. This is also a violation of U.S. Code 6802 ( b ) Obligations with respect to disclosures of personal information meaning that a financial institution may not disclose to a third party unless the financial institution has provided the consumer a notice in which I have not received. Nor was I giving the option to op-out it was only the option to op-in I also understand that according to federal law 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue with the reinsertion of Account on my credit report. Despite previous communication and the subsequent validation of certain account, I have observed that these Account are being removed and then reinserted into my credit report during subsequent rounds of validation. This practice is causing significant confusion and adversely affecting my credit score. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$240.00} XXXX  XXXX Balance : {$75.00} XXXX  XXXX Balance : {$3200.00} XXXX  XXXX Balance : {$3100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}
Product: Student loan

I requested my XXXX in mail never received 7 months later as well as I just bought a new apple phine got new accounts other updated all my passwords logins for XXXX XXXX XXXX XXXX Mohela Ombudsman All corrupt can not use my accounts my passwords logins do not work after I sat for hours on the phine to change all of this last month. I was sent confirmation of this and I still can not use I requested new updated loan status as far as my idk plans still never heard back
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not using XXXX XXXX at this time because my drivers license was revoked by the state of NJ Should have never went to collections. I recieved no information
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report the information on the XXXX account is incorrect as I have provided documentation to prove of the incorrect information on the XXXX/XXXX  account XXXX  have deleted the account from my XXXX  credit report as well as XXXX  has removed XXXX/XXXX  from my XXXX  Credit report for reporting incorrect payment history on my credit report the second account on my credit report is XXXX XXXX XXXX XXXX account they are reporting incorrect payment history on my report I have provided documentation for all these incorrect account payment history on XXXX  Credit report and Experian Credit Report there is incorrect payment history on my Experian Credit report for account XXXX XXXX XXXX XXXX payment history is incorrect this will be the last time I contact this company to get this taken care of with all these credit reporting companys Experian and XXXX  need to delete XXXX XXXX XXXX XXXX and XXXX/XXXX  from my report I will get a attorney and sue because this is really unfortunate for these two companys to report incorrect information on my file please delete last request
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CREDIT BUREAUS REMOVED UNAUTHORIZED INQUIRES ON BETWEEN XX/XX/XXXX AND XX/XX/XXXX, BUT NOT HAVEN'T REMOVED THE ADDRESS I HAVEN'T LIVED AT AND SCHOOL LOANS I NEVER TOOK OUT. I AM VICTIM OF IDENTIFY THEFT AND SHOULD BE SUFFERING FOR SOMEBODY ELSE DOING ACCORDING TO The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ).
Product: Credit reporting or other personal consumer reports

I am lodging a personal complaint regarding inaccurate late payments on my credit record. Upon reviewing my financial history, I discovered these erroneous entries. Although I sent correspondence about this issue over a month ago, I've received no response or adequate validation. I'm now seeking prompt assistance to resolve this matter effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the 2 Credit Bureaus regaring inquirs that I did not recognize. I told the that these inquiries need to be removed from my credit file. I sent each an letter requesting these inquiries be removed from my file : XXXX  : 1. XXXX XX/XX/XXXX 2.  XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX XXXX 1.XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX. XXXX, XXXX 5. XXXX XXXX XXXX XXXX, XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX   XX/XX/XXXX TransUnion 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX
Product: Debt collection

Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report.

The accounts in question are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year>XXXX XXXX
Product: Money transfer, virtual currency, or money service

We sent a bank wire to Citibank for {$19000.00} with a wrong account number for the customer who was supposed to receive the wire. 

Citibank sent the money back to XXXX XXXX but with no account information on where to deposit the funds so the money was returned to Citibank. 

Citibank still has the funds and has not returned them to XXXX XXXX. 

All documentation from XXXX XXXX is included in this complaint. 

This is the second complaint to try to get the funds sent back from Citibank to my XXXX XXXX account. 

This is the account where the funds of {$19000.00} need to be returned to : XXXX XXXX XXXX, XXXX Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va. XXXX Account # XXXX Routing # XXXX XXXX XXXX has assembled the timeline, requests for returning the funds sent to Citibank and a confirmation funds have not been sent back. 

If anything is needed on my end in addition please email me at XXXX. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Us 15 1961 subcharte 3 CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXXXXXX # 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, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX PROFCRJONSBO ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve my issues with Kohl concerning my non public personal information being reported to consumer reporting agencies. I am not liable for this debt. They have violated my federally protected consumer rights 15 USC 6802 ( b ). They did not allow me the option to opt out from reporting transactions and experiences. The only resolution is to delete immediately.
Product: Credit reporting or other personal consumer reports

I have reviewed a copy of my credit report and I have found fraudulent collection on my report. Please remove this fraudulent collection from my credit report. They are hurting my ability to obtain credit.
Product: Checking or savings account

On the evening of XX/XX/year> I was awoken to alerts from my phone stating my business account was over drafted. I immediately logged into XXXX online service and there was XXXX unauthorized charges totaling {$4800.00}. I immediately ( less than XXXX minutes after the charges appeared ) called their fraud service and was told these are pending charges and the bank can not stop payment. My business account over drafted {$1700.00}. I called the bank the next day and they refused to offer provisional credit. They are stating it will take XXXX days to get my money back. I called on XX/XX/XXXX and the bank had not even started the investigation. I am now going to be tight on payroll. I tried calling my local branch XXXX XXXX and she did not return my call. I did not lose my debit card and use credit cards to prevent issues like this. I have called the fraud service line at XXXX and they refuse to let me escalate the compliant further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  have held incorrect information on my credit report due to identity theft and I am unable to contact anyone or login to their website it has been stuck for almost a year with either them hanging up on me on the phone and no response from email by anyone. I have letters to serve them with and no body seems willing to help and it has put me in severe financial distress due to having these incorrect things on my credit I've been denied bank accounts home loans and being able to even get a car. Basically almost crippled my XXXX.
Product: Consumer Loan

the interest rate they charge me is so high and it 's impossible to lower it. I was told that after one year of making on time payments they would lower it but now after one year, they told me I do n't quality.
Product: Credit card or prepaid card

This in reference to my Wells Fargo Financial Platinum Visa card that I been a member since XXXX. 
For the year XXXX, I was charged {$180.00} in late fees. My payments are due on the XXXX of each month. I did not notice this till I saw my annual report that showed I had late fee totaling {$180.00} ( XXXX. XXXX {$24.00}, XXXX. XXXX {$40.00}, XXXX. XXXX {$40.00}, XXXX XXXX {$40.00}, XXXX XXXX {$40.00} ) I made the following payments - XX/XX/XXXX ( paid {$1000.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$700.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$750.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$750.00} on XX/XX/XXXX ), and XX/XX/XXXX ( paid {$2000.00} on XX/XX/XXXX ). They charged me late fees even when the bill was showing the money was paid. 
They paid me back {$80.00} as a one-time courtesy as if I failed to make my payments. The person on the phone was rude and side it was my fault I have to abide by their rules of payment. - I do not understand. I only know to pay my bills before the payment deadline.
Product: Debt collection

NATLCRSYS is claiming that I owe them {$610.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and realized there were Fraudulent activities & accounts on my report. I am a victim of Identity theft. I have since disputed these accounts & had them removed. Experian specifically had me priority mail documents in support of this, but never updated a secret company establish 2008 called " Clarity '' of what to remove off my consumer report ( which is the same thing because it affects me being approved for credit or not ) that i was recently informed of from XXXXXXXX XXXX XXXXXXXX XXXX. The conniving intentions of Experian / clarity have hindered my way of life and is unlawful according to 15 usc 1681i5 & 15 usc 1681i7. I Demand these Errors be fixed immediately.
Product: Debt collection

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter on XX/XX/XXXX which is a FDCPA violations.
Product: Credit reporting

Experian finished my complaint in less than 24 hours I do not believe they truly investigated it. I sent them documentation yesterday Monday ( XXXX/XXXX/16 ) after filing the complaint on Saturday. This morning at XXXX I received a response saying my case was closed. I would like for Experian to overlook the documents I sent them and then make a decision. I sent this to all XXXX credit bureau and they were the only XXXX to respond back this fast.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft I signed into my XXXX made a new account in XXXX of this year and I seen Mutiple names inquiries all on my account. I called XXXX in XXXX to ask what to do and they told me to upload documents to support the dispute Ive sent over 3 letters and im not getting any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had and account with XXXX and made e transfer on XXXX from me to my friend XXXX XXXX, i am proveviding proff of that in this report,,,,, ,This auto is not mine this is a mistake ....