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

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX Re-Investigating Charge Off $ XXXX Account type Credit card Responsibility Individual Date opened XX/XX/year> Status Account charged off. {$14.00}, XXXX written off. {$8600.00} past due as of XXXX XXXX.The credit limit was {$15000.00}. XXXX XXXX XXXX XXXX Reported inaccurate balance This letter is in response to your recent claim XXXX XXXX XXXX XXXX FCRA ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. the statute of limitations for reporting a Charge Off is seven years from the date of the delinquency leading to the Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this multiple times does not extend this statute and is therefore improper. 2. XXXX XXXX XXXX XXXX Reported Charges Off and inaccurate of debt owed which is frauds Please submitted Original copy of credit card contract with wet signature. Payment History Credit card statement verified accurate credit limit. Within 15 days of this re-investigation to XXXX and Consumer.
Product: Credit reporting or other personal consumer reports

Previously, I have submitted a dispute to have my Date of Birth, Address and Phone Number reporting correctly. Please view the attached documents in order to have the information reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX - XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020 and XXXX. XXXX, 2020, SUNTRUST XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

I had a TD Bank checking account for 13 years which was impacted by fraudulent and unauthorized ATM debit card transactions charged to my checking account as described in the attached secure messages. Specifically, my checking account was charged around XX/XX/2022 for multiple debit transactions despite the fact that I never used my debit card, I had my card locked away safely under my sole control yet TD Bank authorized various Online purchases without my name, address, expiration date, 3 digit security code and other security features. Obviously, a hacker just guessed at a random debit card number which TD Bank accepted without the other requirements or, worse, a bank wide hack exposed my account data. My checking account was wiped out and I never received my requested explanation on how this fraud could happen in light that my card was never used and locked away safely. I was forced to clause my checking account as I lost faith in internal controls XXXX XXXX Bank. I request that the CFPB investigate how this could happen and how the subsequent events caused me irreparable harm by the lack of customer action to fix issues.
Product: Credit reporting or other personal consumer reports

On XX/XX/2020, I had entered into 3-year lease agreement and set up automatic recurring payments until maturity. I then extended the lease for another 3 months, but due to a 2-month oversight/miscommunication, I assumed that the recurring payment would automatically continue post lease extension. The end of lease message on XXXXXXXX XXXX XXXX site clearly states that, if youve set up automatic payments, be sure to cancel them after youve made your final payment, contrary to action XXXX has taken to cancel automated payment at lease extension. Also, I have not been alerted via email of a late payment which I would normally receive. As a result, my payment history was flagged as a negative 60-day marker with TCNA and across all 3 credit bureaus, despite the fact that I had brought the account up to date after being alerted by Experian of a 60-day late notice. It is worth noting that I have had a XXXX credit score and a solid payment track record with XXXXXXXX XXXX XXXX prior to this event.
Product: Credit reporting or other personal consumer reports

I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 

15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

According to XXXX this company does not have a license to collect ANY debt in the state of Texas.

I would like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$260.00} - ACCOUNT # XXXX This is a violation of FCRA and also in violation of requisite XXXX XXXX COMPLIANT reporting standards and must be permanently removed from my consumer report. If you can not provide me with your method of validation then please delete due to inaccurate reporting.
Product: Debt collection

I have a debt collection attempt from Jefferson Capital System that was opened XX/XX/XXXX. The debt was originally to XXXX XXXX, the issue with this debt is that I had cancelled my plan with XXXX XXXX due to my military XXXX  prior to XX/XX/XXXX as that is the year that I was discharged from the military, I was unable to continue the contract, I provided my XXXX   to the XXXX XXXX store located near XXXX XXXX, NC where I was stationed and was promised that it was taken care of. The original phone contract was from 7-8 years ago and XXXX XXXX is unwilling to give me information about the contract or anything about the original debt.
Product: Credit reporting

Several reports placed against my credit file and disputed to the credit bureau have nothing corrected after many attempts. They include bills for medical accounts which I have reported were already paid and some for services not rendered, reported to reporting collection agencies on behalf of the physicians. 
A bill for {$79.00} reported by XXXX XXXX of XXXX Was paid in full. A bill for the amount of {$200.00} on behalf of XXXX XXXX XXXX reported by XXXX was already paid in full by the insurance company XXXX of XXXX. 
A bill for {$370.00} reported by receivable recovery on behalf of the XXXX XXXX physician group is also in error and was paid in full By XXXX XXXX XXXX XXXX of XXXX 
A bill for the amount of {$360.00} reported by the XXXX On behalf of XXXX XXXX XXXX Is for services not provided and is therefore in error. 
There was also reporting errors on student loans including XXXX XXXX that are currently good standing. 
several addresses recorded against my person the name are an erroneous and fictitious They includes the following : XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX XXXX Because I have been a victim of identity theft on several locations throughout the years I have been forced to play the freeze on several of my accounts to further protect my integrity and identity. 
I refuse to be harassed and bullied by unscrupulous recovery companies who attempt to use high-handed XXXX tactics to squeeze consumers out of unsubstantiated debts incurred by dubious fraudsters of identity theft and therefore providing give them the rope to hang my purse and person. 
All personal credit extended to me have been diligently paid on time according to the contract stipulations signed and agreed to.
Product: Credit card or prepaid card

I received a {$100.00} pre-paid debit XXXX issued by U.S. Bank National Association. The physical card expired XX/XX/19. A customer support phone number is not provided on the card. Numerous attempts to contact U.S. Bank directly to resolve my unspent funds have gone unanswered.
Product: Debt collection

This company is in violation of Fla Stat 559.715 which states " a letter of assignment must be sent out within 5 days and the alleged debtor must be given 30 days to dispute validity of a debt prior to lawful collection activity being commenced. '' Balanced healthcare did a soft inquiry on XX/XX/XXXX ( which clearly violates the statute in question ) when most of my medical debts either have been pd in full or are on pymnt plans. 
I haven't received anything from this agency and last time they tried to collect on a debt it was to have gone through my insurance ( since i have ambetter from sunshine health since XXXX of XXXX ) The only 2 med debts i owe is to XXXX XXXX and to XXXXXXXX XXXX XXXX. Both of these are on pymnt atrangements and i have proof both have been pd on month after month. 

XXXX XXXX XXXX XXXX has been pd in full since XX/XX/XXXX ( i have proof showing the debt from this organization is at a XXXX bal ) .All XXXX XXXX XXXX bills have been pd in full through north amer credit services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit :
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified.

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.Under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give any documents related to an account that is requested Please send me copies of all records relating to the account, including : date account open all sign original contract
Product: Credit reporting or other personal consumer reports

It has come to my attention that certain accounts associated with my name are either not mine, were not properly verified, or contain inaccuracies due to your willful negligence. 

Your misrepresentation of the facts has caused me harm, and I demand the immediate correction and updating of these accounts without further delay. 

I require the removal and closure of the following accounts : - XXXX XXXX : ending in XXXX XXXX XXXX XXXX  XXXX XXXX : ending in XXXX By failing to adhere to your own administrative procedures, you have demonstrated blatant negligence. This is unacceptable, and I demand immediate compliance with the proper protocols without exception or delay. 

XXXX XXXX : By your inaction, you acknowledge and accept an obligation to pay me {$800.00} immediately. Failure to comply will constitute a deliberate breach of this agreement.
Product: Debt collection

My contention : I was never given the right to even question let alone settle this debt. I was never contacted in writing or by telephone about owing this debt. I discovered the debt through credit monitoring not because of Stellar Recovery, inc. attempt to collect a debt. This alone violated my rights. 

Stellar Recovery, inc. contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights. 

Furthermore ; The agent for this collection group XXXX XXXX XXXX XXXX stated they attempted to call me but the original vendor had given them the wrong telephone number for me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/year> I filled out an application for refinance on the internet in minutes I received XXXX different calls and emails from agents representing XXXX XXXX XXXX, I didnt want to pay attention because some people dont talk well about their reputation but the day after I received an email from XXXX XXXX , he stated he is the Senior Financial Advisor, I set my trust on him and I started working with him. While talking to him he was telling me about the papers/ documents I needed to speed up the process, he took me SSN as well. The next day we communicated again where he said to me I need to verify your income and your credit I replied to him what are you talking about, you pulled my credit report with no authorization he apologized. I kept working with him the he put another person in charge, that person asked me for the same documents that I sent XXXX XXXX so I didnt answer to her. XXXX XXXX went on XXXX vacations and assigned another person to the process name XXXX XXXX where she started asking nonsense questions and disrespecting me, I didnt like the way she was approaching me, I didnt want to disrespect her so I told her that I was call off the refinancing process. XXXX XXXX got back and sent me an email and I told him that I didnt want to go forward with the paperwork, he got upset, a few days later he sent me another email asking me what happened between me and XXXX instead of going ahead to read the emails between me and XXXX XXXX Last week I received an email saying that my application was DENIED when that never happened, I refused to continue, three days later he sent me another email charging me {$800.00} for an appraisal that he sent me an email saying that it was no cost for the appraisal and I dont even have that paperwork, looks like he didnt know that when the XXXX came to my house he said that the VA was paying for the appraisal and it was going to be around {$650.00}. I understand XXXX XXXX maybe still upset but he dont have to cover himself with more false accusations. If you need any documentation, I, e copies of the conversations, Please let me know, I got them all, Thank you! Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted XXXX a week ago, asking why was I declined for a XXXX  and the reason states that I dont pay enough of my balance. 

Yet I have paid in full. XXXX support completely has ignored me for a week, this type of support is ok for a tech company. But is not ok for a credit company. 

This is both scary, and insane. 

XXXX is building a monopoly on financial services, conquering the digital world. Yet they refuse to hold themselves to any type of standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  XXXX regarding a credit inquiry on my equifax credit report. XXXX XXXX could not find this inquiry in there files and stated for me to dispute with the credit bureau. I disputed with the credit bureau and it keeps coming back as verified. XXXX XXXX stated they do not have a credit inquiry in there file for XX/XX/2019 for me. I want the inquiry removed immediately!
Product: Vehicle loan or lease

I paid the balance of this auto loan to {$0.00} on XX/XX/2020 using the Bank of Hawaii website by transferring {$10000.00} from my checking account to the loan account. The loan account now reflects a {$0.00} balance. Today ( XX/XX/2020 ), I called the Bank of Hawaii loan servicing department to clarify next steps on obtaining lien release, and they informed me that there is an interest balance due of {$5.00}. This is curious because the website is reporting a balance of {$0.00}. There is likely an error here with the Bank of Hawaii website that needs to be fixed. 

I am unable to pay this amount ( {$5.00} ) that Bank of Hawaii claims is due using the Bank of Hawaii website via transfer from my checking account, as I receive an obscure error message. Telephone customer service is unable to assist. I have been instructed to visit a Bank of Hawaii physical branch office for assistance. 

Due to the COVID-19 situation, I do not want to visit a physical Bank of Hawaii branch office and should not be required to do so. Now I am in a situation where this bank is putting my physical health in jeopardy because of their misleading, outdated, and error-ridden website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account still reads as open on my credit report but I have closed it and have paid in full. Unfortunately I had financial hardship which caused this account to go into a negative standings but I have since than paid the outstanding balance off in full.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU REFUSING TO ACKNOWLEDGE AND PROCESS DISPUTE REQUEST. CREDIT BUREAU NOT BEING HELD ACCOUNTABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit agencies concerning XXXX XXXX for years now after disputing that I did not have any late payments. Not knowing much about credit and fraud at that time. Now I study the consumer laws to help myself get back what I was trying to achieve with credit. I sent XXXX XXXX many letters to rescind and opt out because of Identity reason and they did not give me that disclosure in BOLD letters giving me the option to opt out. Also this company created fake accounts around 2016 and now doing illegal transactions once again. Attaching my letters which was sent to the agencies. 

Notice ; I am opting out with the notice of right to rescind. XXXX XXXX never gave me that right, a creditor shall deliver two copies of the notice of the right to rescind and shall identify the transaction or occurrence and clearly and conspicuously disclose the ONE to FIVE above. This is my RIGHTS.

6801. Protection of nonpublic personal information ( a ) Privacy obligation policy 1681b. Permissible purposes of consumer reports ( a ) In general - Subject to subsection ( c ), ( 1 ) ( 2 ) This letter is in good conscience because I did not give anyone permission to report any of my information. They took my information and transferred it to a non-affiliate third party without my permission and created the profile that supposed to represent me the consumer that which I did not approve of. According to these laws, is that not identity theft?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed that XXXX/XXXX is inaccurately reporting this account 120 days late twice after the account was actually closed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX & XXXX XXXX was never late! I have had an exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 

This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hardship to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in 30 days up to 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. 

XXXX XXXX XXXX & XXXX XXXX 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!