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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS : XXXX CARD Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Credit card

Someone stole my USAA credit card and charged {$17.00} on it. I contacted the USAA Bank who agreed to delete the negative information from my XXXX credit report and pay me {$22.00}. The negative information was deleted as promised but on XX/XX/year> the negative information reappeared on my XXXX credit report dropping my score XXXX points. 

I never received the {$22.00} as promised and now the negative information has reappeared. I continue to get letters saying that they don't know where to send the money. Whenever I call USAA I get the runaround. Meanwhile USAA is violating my rights under the FCRA. 

I have called USAA many time to tell them that my mailing address is XXXX XXXX XXXX - XXXX XXXX, XXXX, Va XXXX USAA is reporting fradulent information and refusing to pay me {$22.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and a victim of XXXX XXXXXXXX. I disputed the accounts that were nor mine several times and they left it on my account. Then they said if I paid off an account my score qould go up..i paid it off and it still shows open and unpaid. My score hasn't gone up. Then they suggested I open a secured credit card. I did and my score still hasn't gone up. I have a credit first card with a XXXX limit. I put XXXX on it paid XXXX off early and my score dropped again! I have never been late. I have contacted them several times and they do nothing and my score keeps dropping
Product: Debt collection

The account in question is not as a result of me, it was opened as a result of Identity Theft attached is the report, letter addressed to you guys, and a notice to furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been back and forth with all 3 credit bureaus XXXX, Transunion and XXXX disputing a XXXXXXXX XXXX account since at least XXXX of XXXX Ive disputed the account online and have disputed it by certified mail twice. Basically XXXX says I owe a balance I dont owe. I have an email from them showing they were supposed to apply a credit to my account which they never did. Ive explained this to the credit bureaus ( XXXX, Transunion and XXXX ) sent them the documents and they never remove the account simply because XXXX says I owe it. When Ive shown them in writing they agreed to apply a credit Im owed and they never did. Also proving I dont owe whats being said. The only resolution in this case would be to remove the account from my credit report. I will attach the photo of the email I sent them ( again proving the account is wrong ) along with the balance sheet and the most recent certified mail receipt. Showing Ive made every effort to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XX/XX/2020 my phone was called by a representative from NPAS stating I owed a debt that has been paid. The representative left return number XXXX or XXXX, called from XXXX, and claimed to be calling on behalf of XXXX XXXX. The representative claimed the call was concerning a " personal business '' matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and these accounts was open fraudenlently in my name Bank XXXX XXXX accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX Accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX XXXX Accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX XXXX Accounts that are fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX  Account # XXXX Routing # XXXX XXXX XXXX  accounts that are fraudulent : Account # XXXX Routing # XXXX XXXX XXXX  accounts that are Fraudulent : Account # XXXX Routing # XXXX XXXX XXXX Accounts that are fraudulent : Account # XXXX Routing # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of IDENTITY FRAUD due to my PERSONAL INFORMATION being compromised in the EQUIFAX DATA BREACH. Please remove these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Apple offer me a credit card with no interests if pay in full in less than 12 months. 
Last month was my first payment and I noticed that the charge me an amount for interests. I went to a chat with them and they told me the haven't enroll me on this offer without further explanation. 
Nine days ago they told me the 'll get back at me with a decision on the next three days but I haven't hear from them since. 
I have all the chat conversations saved on my phone.
Product: Debt collection

I took out a credit card with capital one in XXXX. This credit card was charged off and I filed bankruptcy which was discharged in XXXX. XXXX XXXX XXXX purchased the debt from capital one in XXXX. Now they have filed a lawsuit and threatened to garnish wages on a debt that is over six years old which is beyond the statue of limitations in the state of Ohio, which is 6 yrs.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonablere-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items, despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian inaction violates federal laws and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and data breach and would like all accounts mentioned to be blocked and deleted pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Westlake Financial is a predatory lender with very dangerous business practices that violate state and federal laws of the Fair Credit Reporting Act. Westlake Financial services have very fraudulent accounting practices they are able to assess any additional penalties and fees to their client accounts and fraudulently, illegally and unlawfully increase their profits. The State and Federal authorities need to immediately investigation the business practices of the predatory lender and take appropriate action against them to prevent any further victims. 

My car was totaled as a loss by my insurance company on XX/XX/XXXX. My insurance company made immediate contact with Westlake only for Westlake to intentionally delay the settlement proceedings with my insurance company so they could slow down the clock, so to speak, and fraudulently add additional fees and penalties to my account. Once my insurance company mailed Westlake Financial the payoff amount for my vehicle, they again intentionally stalled in applying this payment to my account and then reported my account to the credit bureaus as past due. They never adjusted the balance of my account with the insurance payoff amount although they had already cashed the check by the time they made their reporting to the credit bureaus. Westlake Financial cashed the check from my insurance company and updated my account in their system on XX/XX/XXXX ( although they received it on XX/XX/XXXX ). They proceeded to submit incorrect and adverse account information to all credit bureaus on XX/XX/XXXX with my account not reflecting any payments since XX/XX/XXXX and declaring me 60 days late. This caused my credit scores to drop dramatically as I have never had negative credit reporting by Westlake before this in the history of the loan that began in XXXX. 

It was only since XX/XX/XXXX, with the total loss of the car and hashing out the details with insurance and gap insurance companies, that Westlake decides to turn this into some adverse reporting act. The initial loan was for about {$16000.00} in XX/XX/XXXX. With the loss payout and history of my payments towards the loan, the balance is now about {$2000.00} ( which the gap insurance company would cover ). Thanks to Westlake 's intentionally delayed communication with my insurance company, the gap insurance only received the documents for this loss on XX/XX/XXXX. The gap insurance company has begun to process the claim, yet have not finished. But Westlake, as of today - JXX/XX/XXXX, has decided to charge off my account. This is to purposely cause me harm with the adverse reporting the credit bureaus and causing my credit history to be detrimentally affected. 

I am requesting and immediate review into my account and for all penalties of the highest amounts to be assessed for their fraudulent lending practices. PLEASE DO NOT EVER USE WESTLAKE FINANCIAL FOR ANY OF YOUR LENDING NEEDS. THEY PREY AGAINST CONSUMERS AND SHOULD BE PLACED OUT OF BUSINESS. DO NOT ALLOW ANY DEALERSHIPS TO COERCE YOU INTO DOING BUSINESS WITH WESTLAKE FINANCIAL. TAKE YOUR BUSINESS ELSEWHERE AND PROTECT YOUR CREDIT. DO NOT DO BUSINESS WITH WESTLAKE FINANCIAL.
Product: Debt collection

Monterey was taking money out of my bank account frauduently, I disputed with my bank and they paid me every dime taken from this company. I contacted them to let them know way before I disputed with the bank. They have been taking money out ever since august so I reached them to let them know, they said I had to call a company called XXXX, which I did, to let them know I don't have any products from them. 
Monterey rep called me on my business line and my personal phone asking me for payment, then they started emailing me about a debt twice and that I have 48 hours to respond ..... I sent them a cease and desist to stop. They then reported a late payment to my personal credit dropping my scores. 
This is a violation to report a fraudulent account on my consumer report 15usc1681b no permission to place on my consumer report. I submitted a FTC report as well to the 3 agencies. 
Where is the wet ink signature to validate this debt?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I initiated contact with Experian regarding inaccuracies present on my credit report. Despite my initial communication, there has been no response from Experian to date. Below, I outline the specific details of the erroneous information and the necessary corrections : Account with XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Issue : This account was never late. 

Request : Please correct/update this inaccurate information promptly on my credit report. 
Account with XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is not mine. 
Request : Please remove the mentioned account from my credit report.
Product: Vehicle loan or lease

I was in a accident on XX/XX/XXXX where my car was totaled. Because of this my insurance paid XXXX off of the loan on. There was a small amount left XXXX dollars left. I was contacted about the amount by Credit Acceptance which I told them they would be paid but I would need a car to get back and forth to work right away then I would pay them off afterward. 
I did asked if they could add the amount on to the loan with the new car if not I would have to get car first then pay the remaining balance off soon after. Honestly I could have waited for the settlement from the accident to pay it. It was almost paid off years ahead of time at 23 % interest. 
Even though I let them know of the accident they have called several times in a week sometimes in a day. They know the situation of me having been out of work for 2 months on doctor 's orders and even though I went back to work I would have to use my pay for the first couple of weeks to buy a car for work. 
We went to get a car XX/XX/XXXX and we have found out that they sent the balance to collections even though I have paid all the way up to the accident and then the insurance paid most of the balance. 
Credit Acceptance has been paid almost all of the loan except for maybe the interest by XXXX XXXX XXXX. I feel as a first time credit purchase this company has tried to strong arm into paying off the total balance despite the situation.
Product: Mortgage

XXXX XXXX has asserted that my mortgage account is 15 months overdue as of todays date. However, this claim is perplexing for several reasons. 

First, I only became a customer of XXXX XXXX in XX/XX/year> when my mortgage servicing was transferred from Bank of America. If XXXX XXXX is attributing these 15 months of alleged late payments to the period before the transfer, this claim must logically originate from Bank of America. However, my Bank of America account does not show any record of missed payments, late fees, or delinquent statements during the period in question. 

This raises serious concerns about the accuracy of XXXX XXXX 's records and the validity of their claim. Furthermore, I have previously been assured verbally by Bank of America that my payment history was in good standing, with no reported delinquencies or missed payments. 

Given the absence of evidence supporting the claim of 15 months of missed payments and the contradictory records from Bank of America, I am left questioning how XXXX XXXX arrived at this conclusion. I have requested clarification and documentation from XXXX XXXX to substantiate their position, but they have yet to provide a satisfactory response. 

This issue further underscores the broader pattern of miscommunication and mishandling that has characterized my experience with XXXX XXXX. I request that XXXX XXXX investigate this matter thoroughly and provide : Documentation explicitly detailing how the 15 months of missed payments were calculated. 
A reconciliation of their records with Bank of Americas, including evidence to justify the transfer of alleged delinquencies.

Immediate correction of any erroneous reporting to credit bureaus or within their internal systems. 
It is imperative that XXXX XXXX takes these concerns seriously and works to resolve this discrepancy promptly and transparently.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXX XXXX XXXX : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card or prepaid card

Applied for Bank of America XXXX  XXXX card for a promotion of XXXX miles with {$2000.00} in purchases. Saved the screenshots and confirmation emails from applying. Now Bank of America refuses to budge and says my promotion was for XXXX miles with {$3000.00} in purchases ( something I NEVER AGREED TO and HAVE NO RECORD OF ). They changed the promotion terms on their end AFTER I applied and I never agreed to those terms. I have the agreed to terms saved and recorded. They refuse to give me the XXXX bonus miles I am due after spending the {$2000.00} in purchases on my first billing cycle for said credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with you ( XXXX XXXX XXXX XXXX XXXX /Reference # XXXX ) and in response you have verified this item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. ''
Product: Credit card or prepaid card

Citi ( R ) Cards, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Letter dated XXXX claimed to have conducted an investigation using the information provided ( which is attached that CLEARLY STATES THAT THE HOTEL WOULD BE CREDITING MY ACCOUNT in the amount of {$40.00} ) about the dispute and stated that was not enough to support the claim. This is absolutely a fraudulent statement and this continues to be a problem with Citi ( R ) Cards not protecting the consumer.
Product: Debt or credit management

I am getting a letter saying I have an account or a debt but I have no debt or made a purchase with this company.
Product: Credit reporting or other personal consumer reports

There are mistakes on my credit report linked to 15 USC 16c-2. I didn't authorize the listed inquiries, and they're hurting my credit. Kindly delete them. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had someone trying to access my credit information and have placed fraud alerts on all credit reports. There have been many many inquiries by lenders in which I did not give authorization to these companies to access my credit report. I have tried contacting these individual companies for a resolution but there are just too many to deal with and not enough contact information is being provided, nor any assistance from these companies. XXXX advised me to fill out his form after placing a fraud alert on my credit file to have these inquiries removed from my credit reports. The inquiries are reported as follows on each of my three credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX CREDIT REPORT INQUERIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT REPORT XXXX REFLECTS SIMILAR INQUERIES AS ABOVE
Product: Checking or savings account

PNC will not allow me to link my account to my other bank account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX AND XXXX 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 XXXXXXXX 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