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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$1600.00} XXXX  XX/XX/2022 XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Debt collection

I just looked at my credit report and see ARS ACCOUNT RESOLUTION and showing the original creditor is XXXX XXXX XXXX and thats a big mistake because I never went to that hospital or had any dealings with them and I need this account deleted as soon as possible because its affecting my score and they are reporting debt that dont even belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is still showing a public record ( Dismissed CH XXXX Bankruptcy ). I have disputed it with them, and they have verified the information as coming from LexisNexis. This item was removed from my LexisNexis report in XX/XX/2020. Case # in reference is : XXXX removing bk case # XXXX from my file. 
XXXX  claims that the record is verified by LexisNexis. Please explain how this is so when you have removed this information.
Product: Money transfer, virtual currency, or money service

On XXXX that evening I wascontacted by financial planner via XXXXXXXX XXXXk that large sums of money { {$15.00}, XXXX and {$7100.00} ) to another bank and an unknown recipient. I contacted Chase Bank about XXXX XXXX. the following morning. Chase told me there was a wire pending, and I told the person to not send the wire and the woman said okay she would cancel it. However, both wires were sent. I have met with Chase bank employees and also met with a Chase bank employee with my financial planner. We were told Chase would get the money returned. We also were told they would remove the fee charges. One individual thought the funds would be returned readily as Chase " has a good relationship with that bank. '' Despite making regular calls to Chase, nothing has happened in 3 months. 
I have reported the fraud to the local police station, as advised, and also to the FBI. I also been contacted by the county social services representative for Aging and Adult services, and was referred to their legal services, but no progress has been made.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and I noticed several inaccuracies on one of my accounts. This account is reporting inaccurate Information. This account is reporting as a charge off with multiple late payments. I was never late making a payment on this account. This also is reporting paid and derogatory, with different dates XX/XX/2022, and XX/XX/2022, for dates opened. I need this account deleted from my credit report expeditiously. 

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

I am complaining to you that I am not satisfied to the job of the XXXX credit bureaus to remove these fraudulent items yet they seemed to delay. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. The following items should be remove right away : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX MO XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX BANK XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

XXXX where I was receiving therapy. I had only 2 or 3 sessions. All services provided at start of treatment was {$10.00} copay which was paid before services were rendered at each session. Paid using XXXX XXXX  XXXX. I have no clue what these charges are and they are unauthorized.
Product: Debt collection

I sent a debt validation letter to Concentric Receivables Management .I was sent copies of my personal health information and medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them ( Concentric Receivables Management ) ) to have this information.

I am attaching documents I sent Concentric Receivables Management and the documents I got in the mail today from them via certified mail # XXXX XXXX XXXX XXXX XXXX. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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.

This company 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: Credit card or prepaid card

This financial institution has willfully and knowingly caused damage to me by discriminating against me the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 
XXXX : XXXX XXXX : XX/XX/year> TransUnion : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX RE : Correction to my personal information Dear TransUnion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a XXXX XXXX  with Comenity Bank on XX/XX/XXXX and I still havent received the welcome bonus offers that I was advertised when opening up the credit card. I fulfilled the spending requirements by spending more that {$500.00} in the first 60 days of the card ( i reached the {$500.00} in my first week of getting the card and paid in full all my balances for that statement month ). 

This is clearly false advertising. I contacted the bank several times and they say they have escalated my case many times but no one is giving me an answer.
Product: Credit reporting or other personal consumer reports

I have never given consent or permission to report or share any information about me. Under the XXXX XXXX ( XXXX XXXX XXXX ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

There is no legal admissible evidence to verify the accuracy of what First Federal Credit Control is reporting {$2900.00} collections on my credit files, and this debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by First Federal Credit Control, in direct violation of the FCRA and HIPAA. Last month, I have discovered that the First Federal Credit fraudulent account. I need proof of a wet signature of an application w/ First Federal Credit Control and proof this is a credit transaction w/ First Federal Credit Control ; the debt agency is in violation of federal and state laws, and I will go legal if this isnt removed. First Federal Credit Control accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about the same company and account last month. The company is listing my account as a bad debt rather than a bankruptcy payment plan. The settled amount is also inaccurate. My account status and amount were fixed last month but have since returned to the same wrong information as before. However, a bankruptcy dated XXXX was written and mine was in XXXX of XXXX. This inaccuracy was never fixed. My attorney notified them in writing last month but it would appear that they are attempting to damage my credit long term without following appropriate guidelines.
Product: Checking or savings account

On the XXXX of Monday I spoke with BBVA to have my account closed. I also reported my debit card stolen. They said it will take 1-2 days, then a transaction took place which overdrafted my account. Funding the account will take more days to fully process then X more days to close the account. I asked them to stop all transactions on my debit and savings account, which they apparently did not do. Theyre stealing money from me and I would like my account closed immediately to prevent this ongoing theft for an account I no longer use or fund. Please help.
Product: Checking or savings account

Banking institutions gave my personal banking information without gaining written consent by the myself to State Agency via a administrative subpoena
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending MULTIPLE complaints, there are still MULTIPLE FRAUDULENT items on my credit report. I hope they will be deleted IMMEDIATELY because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. These accounts are not mine.
Product: Mortgage

I was in short sale review and my home went to foreclosure sale on XXXX/XXXX/17. What I do not understand is why the sale date was still active when I was in review and why I would receive a missing items letter requesting items due back by XXXX/XXXX/17 and the sale was STILL held even after I was advised that the sale would be postponed for the review and counter offer. This issue has been escalated and attempts to reach XXXX XXXX and her supervisor XXXX XXXX have been to no avail.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices were unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello support team, Im hoping someone can help me with my situation here. So, on XX/XX/2021 I sent out letter regarding inaccurate and unknown information that I found on my credit report after reviewing my report early this year. I'm so frustrated. I reached out to these companies for an explanation on the wrong stuff and still to this day, I have not received anything at all. not even an acknowledgement to my concerns, and we're approaching over 60 days later. I thought they were suppose to look into this for me and get it corrected, especially after that Equifax data breach that put my information in jeopardy. 

I'm like really stressed out and dont know what to do, I have a new baby thats depended on me and this is really slowing my down and now I'm being ignored of my disputes too. I've been reading up on all of this and I see that in Section 611 ( a ), it is plainly states that a failure to investigate these items within 30-45 days give a clear reason to immediately remove those items from my credit report so I can go ahead with my life. We're approaching almost 60 days, so I am asking you to help me get these items deleted as soon as possible. I have attached some of the issues in the letters below for your reference. 

I demand these accounts be deleted immediately so I dont have to file for ligitation which would be just even more stress for me and my family, I just want to know if my information was in the hands of the wrong person, before things get too bad. 

Thanks for looking into this for me and helping me out. 
This means alot,
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting 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. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

I opened account with Citibank and deposited amount of {$19000.00}, This check was from state farm insurance for my total loss from my car accident. Once the check was cleared, that same day I went in Citibank to buy cashier check to buy my car. The manager said my account was still new so they need to review it, So they didn't let me buy the cashier check. Next day they closed my account. I got emailed on XX/XX/year> that the account is closed. So I reached out to them many times about when will they reissue my check? They needed to verify the check, they wanted state farm to call and verify the check, much they're nice enough to called because their job is done. Back and forth for over 3 months now, they still haven't issue my check? Everything is verified. There excused is that the back end is working to issue my check. It has been over 3 months now? I don't know what's the hold on my check? Citibank consumer service they seem to be loss and don't have a straight answers?
Product: Debt collection

XX/XX/2020 To whom it may concern : I would like to file a complaint against two collection companies, Alpha Recovery Corp, as well as XXXX XXXX XXXX. 

I received a letter today from this alpha Recovery Corp, in which they are claiming that I owe a collection debt from XXXX XXXX XXXX, in the amount of {$1600.00}, for an account ending in XXXX. 

I want to make it clear that I do not owe this debt, I did not owe XXXX XXXX XXXX   any amount of {$1600.00}, if this is what they are claiming, this is not true. 

If this business has placed this fraudulent charge amount onto my credit files, I want all derogatory information removed, and I would like a letter on their letterhead showing that this has been done. 

I want this company to provide me with their license numbers and Registered Agent documentation. 
As well as proof that they are licensed to collect in my state. 

They are slandering my credit with this misinformation, and I want to consult with an attorney about that. 

Also, I want all communication from them to come from them to you, and you can contact me. 

Also the name as how they are writing it on this collection account is not my name, there is no hyphen in my name, and I want that corrected. 

I do not owe this charge amount, and I want my name cleared from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the natural person and consumer sent EQUIFAX/XXXX XXXX a copy of the police report I filed with my local police department XXXX COUNTY SHERIFFS DEPARTMENT, with the FTC, copies of my identity, a notarized identity theft affidavit and written a statement and written instructions stating " Concerning the accounts listed below as the consumer Im demanding you delete and block these accounts : 1. XXXX XXXX XXXX, XXXX ACCOUNT # XXXX 2. XXXX/XXXX ACCOUNT # XXXX 3. XXXX XXXX XXXX  ACCOUNT # xxxxxxxxxxxx XXXX 4. XXXX XXXX ACCOUNT # xxxxxxxxxxxx XXXX 5. XXXX xxxxxxxxxxxx XXXX 6. XXXX XXXX XXXX  ACCOUNT # xxxxx XXXX 7. XXXX XXXX XXXX ACCOUNT xxxxx XXXX 8. XXXX XXXX XXXX  ACCOUNT xxxxx XXXX Concerning the inquiries listed below as the consumer Im demanding you delete and block these inquiries : 1. XXXX - CARD SERVICES 2. XXXX XXXX 3. XXXX 4. XXXX XXXX Delete and block the address XXXX XXXX XXXX XXXX SC XXXX. 




Send me a copy of my credit file to reflect all of the deletions., '' Which they received on XX/XX/XXXX with a green return receipt, about the identity theft they had committed and to delete and block the information arising from this identity theft from my consumer reports within 4 business days pursuant to federal law 15 USC 1681c-2. EQUIFAX/XXXX XXXX have not yet deleted and blocked this information from my consumer reports. This is causing me the consumer and natural person much financial harm as it is weighing against my character, reputation and credit standing. I never gave EQUIFAX/XXXX  XXXX consent to report this information and this is a direct violation of my right to privacy. I am a federally protected consumer and the Fair Credit Reporting act was created to protect me and my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). These actions are illegal as EQUIFAXXXXX XXXX are breaking several federal laws. EQUIFAX/XXXX XXXX are civilly liable for the damages this is causing me and my family pursuant to 15 USC 1681n in which I will pursue. I have attached a copy of the documents that was sent by certified mail with a copy of the green return receipt that shows XXXX XXXX received the documents on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted the account listed below & they told me I've never missed a payment, yet Equifax refuses to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct this damaging negatives from my profile. 

XXXX XXXX  XXXX Late Date XX/XX/21
Product: Debt collection

On XX/XX/2023, I sent a letter to the company to provide me validate the alleged debt that they are reporting on my credit reports. They also never sent me a dunning letter to allow me the opportunity to dispute the validity of the alleged debt before reporting it to the credit reporting agencies. 
I am demanding that they close this account in their office and delete it from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}