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

An unpaid outstanding balance for XXXX XXXX is listed on my credit reports : XXXX, Equifax and XXXX, in error. I do not owe the amount that the credit bureaus are indicating. I ended my services with XXXX XXXX on XX/XX/XXXX and made my last payment, after verifying the amount due, on XX/XX/XXXX. I also verified on XX/XX/XXXX that no further balance was due. Then a couple months later I started to receive letters claiming that I owed XXXX XXXX {$270.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent information from my credit report due to identity theft. Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681E ( B ) Accuracy of report whenever a consumer report prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of all information concerning the individual about whom the report relates. 
15 U.S. code 1681 i ( s ) Treatment of inaccurate or unverifiable information ( a ) In general if after my reinvestigation under paragraph ( 1 ) of any information disputed is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation; And ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file or consumer. 
I have identified unauthorized accounts on my credit report that I did not open or authorize. Under 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of any information that the consumer identifies as resulting from identity theft. 
Accounts : XXXX XXXX Credit Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

For the past five years. I have had several problems with webster bank. charging me fees. The staff ordering atm cards without me being aware of this.Ive had an idenity theft problem. someone else has charged on my account. and I was charged several fees. and now have this on my credit report. i was forced to keep a saftey deposit box. I did not want.I am being charged over {$500.00} a month in insufficiant funds fees. the dates do not make sence. I have the money in the account. like deposits are being held back. this is insane every month. i know someone else has made withdrawls from our account. Ibelieve maybe someone at the bank has something to do with this. I do have a XXXX XXXX on a XXXX XXXX XXXX/XXXX XXXX XXXX CT. who has stolen all of our bank records from our home. we didnt have any of these issues untill this man came in to our lives. i have gone t the bank several times. and they are not helpful. The webster bank in XXXX XXXX CT has been nothing but a nightmare to deal with. since the manager is no longer there. Its all new staff. there rude and cant seem to figure a thing out. They dont even ask for ID. Ive tested this several times. i need someone o help with this. we are a small company. we can not afford to have these fees taken out like this. when its not justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I entered into a lease agreement with Kia Finance America for a XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX, I decided to do a lease buyout and purchase the vehicle with a lease buyout loan from my bank. I made my regularly scheduled payment on XX/XX/XXXX as agreed. Kia Finance America received the buyout payment from my bank on or about XX/XX/XXXX, and held the funds against my account, but did not apply the proceeds to the lease buyout until on or about XX/XX/XXXX. The lease buyout transaction was completed prior to XX/XX/XXXX. 

In XX/XX/XXXX, I received a notification on my credit monitoring that my score had dropped over XXXX points. I logged into my credit monitoring tool and saw new negative information from Kia Finance America, indicating that the account was closed and late. I immediately disputed the information and contacted Kia Finance America and demanded they correct the information within 48 hours as I was in the process of refinancing my home. They came through and reported the corrected information with XXXX and XXXX. However, since they did not respond to the dispute from XXXX, XXXX decided to remove the account from my report for Kia Finance America 's failure to respond. 

On XX/XX/XXXX, I received a notice from XXXX that Kia Finance America demanded that the account be re-added back to my XXXX credit profile. The information that was included in the demand for reinstatement contained wholly inaccurate information, indicating that the account was past due and more than 30-59 days past due, with derogatory comments in the additional information block. I again contacted Kia Finance America and demanded they correct the information, they submitted changes, but still contained inaccurate information, and continued to affect my mortgage, and other specific XXXX scores. 

At this point, I got into a back and forth with XXXX, XXXX ( the credit monitoring tool I use ), as well as Kia Finance America, trying to get the information correct, and all 3 continue to point fingers at each other. I gave up for a while after disputing several times, and then being unable to dispute until recently. 

On XX/XX/XXXX, I was able to submit a dispute through XXXX against the data in my report regarding Kia Finance America. On XX/XX/XXXX I received the results, and Kia Finance America has doubled down and added more new and inaccurate derogatory information. This is a clear violation on several fronts of the Fair Credit Reporting Act and needs to be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate. I will not stand for any misinformation being associated with my name and financial history. If there is something on my credit report that doesnt seem right, I will take action to get it removed. I request that you investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from my credit report. 
The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now.You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, MI XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX NJ XXXX Inaccurate information reported DISCOVER FINANCIAL SER Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXXXXXX XXXX DE XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inaccurate information reported XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported I the consumer contacted XXXX  XXXX, XXXX XXXX XXXX, Discover Financial and XXXX XXXX Card who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. 

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the bank 's function as well as the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance, and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B. 

I the consumer would appreciate your help in resolving this matter and removing this inaccurate information within 15 days required by the law. Please never ever report this inaccurate information on my report ever again. 


Thank you for your help and assistance. 

Sincerely, XXXX XXXX ____________________________ XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I went to log into my venmo account and noticed that the email the address and the phone number have been changed I immediately contacted venmo and they went to send out a link to the address on file which went to whoever hacked into my account and alerted them and they went and took the rest of the money out of my account they've taken almost {$1000.00} out of my account at this time XXXX XXXX XXXX XXXX XXXX I had no access to the account or my phone with me whatsoever I've reached out multiple times to venmo and they're telling me because of fargeant activity on the account they froze the account and froze the money in there and I did happen to notice that they were moving the money around a certain people that added multiple friends on the account they were sending money through back and forth moving on my money around which I guess that was the fraudulent activity they were referring to they refused to take any more emails or phone calls from me and they told me I would not get my money back because of the fortunate suspicious activity I need something done ASAP I did ask venmo at what time was all the information in my account changed they told me that they could not give me that information I asked him to send me a printout or something they told me they could not do that they told me that they would hold my money up to XXXX XXXXXXXX days and that does not guarantee that I will get my money back I asked him why they allowed someone to go in there and change my account information without sending in identification they said they could not divulge that information I asked them for a corporate office they told me there was no corporate office no phone number they got very rude and now I've gotten multiple email stating that they will not return or respond to any of my phone calls or my emails
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$5400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$18000.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$40000.00} INQUIRIES : XXXX
Product: Debt collection

I received a summons for debt collection from XXXX County Sheriff 's office XX/XX/XXXX saying I owed {$2600.00} which included interest, judgement cost, and attorney fees. It is planning on garnishee my wages from my employer. The hearing is set for XX/XX/XXXX with no time listed. I contacted the creditor ( XXXX XXXX XXXX ) thru the Attorney 's office listed as XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX by phone ( XXXX ) XXXX. I spoke with XXXX at first, then she referred me to XXXX XXXX. He stated I had to pay {$2600.00} to them my credit card, check, or debit which will process within 3 days. He stated I owed XXXX XXXX  since XX/XX/XXXX. He told me the account number it was opened under. Then he told me the account number I need to pay under. It was 2 different account numbers. I asked for the information of the creditor so I could contact them to resolve the issue, but they wouldn't disclose that. I told them I had no debt in that amount and that I had never heard of such company. He just told me to pay. Then I checked my credit report and there was nothing from that company or in that amount. I received another phone call last night saying I owed another major credit card debt. I have been receiving threatening phone calls saying they will file fraudulent and legal charges against me for this debt. I have since then contacted the FTC and filed a complaint. Now I am filing a complaint with you all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXXXXXX XXXXBankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

Spoke with XXXX  about my US Bank credit card not being reported correctly. They merge a old card with a new card. So it's states current but the status states the account is closed. Told me to call US Bank credit car company and they re-reported the information and XXXX  never made the change to my report
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting XXXX  XXXX  Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 
Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Monthly Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was opened in XX/XX/XXXX, yet it is being reported as delinquent starting in XX/XX/XXXX and continuing into XXXX despite having a fixed balance. 
Since this is a collection account, new monthly delinquencies should not be reported after the initial charge-off or placement into collections. 
This misleading reporting artificially damages my credit score and violates 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information. 
Contradictory Account Details ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no payments, no scheduled payments, and no updates to the balance from XX/XX/XXXX through XX/XX/XXXX, yet the account is still marked as having ongoing missed payments. 
If no payments were due after the charge-off, then reporting continuous missed payments is factually inaccurate. 
This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report only accurate and verifiable information. 
Failure to Update Account Status Accurately ( 12 CFR 1002.10 Furnishing of Credit Information ) The credit report states that the original balance was {$410.00}, and the current balance remains {$410.00}, meaning no payments or adjustments have been made. 
However, the account is still being marked as newly delinquent each month, even though it should only reflect the original collection entry date. 
This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors update and report credit information correctly. 
Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies violates this rule. 
12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.
Product: Credit reporting or other personal consumer reports

**Contact Attempts : ** XXXX. XXXX XXXX, XXXX : ** I initiated contact with the customer service department XXXX address several identified discrepancies within my account. During this conversation, I was assured that a comprehensive review would be undertaken to rectify these issues. 
XXXX. XXXX XXXX, XXXX : ** I followed up on my initial inquiry, seeking an update on the status of the review. Unfortunately, I did not receive any substantive information or documentation to address the discrepancies previously noted. 
XXXX. XXXX XXXX, XXXX : ** I made a third call to customer service, explicitly requesting specific documentation, including payment history, account statements, and all relevant correspondence. Despite assurances that these documents would be delivered, I did not receive any of the requested materials. 

Formal Dispute : XXXX. XXXX XXXX, XXXX : I formally submitted a dispute to POSSIBLE FINANCIAL INC. , meticulously detailing the inaccuracies within my account and formally requesting the necessary corrections. Despite this formal approach, no satisfactory resolution was achieved. 
XXXX. In my formal dispute, I also requested the issuance of a 1099-C form to reflect any cancellation of debt, which is crucial for accurate tax reporting. 
XXXX. Additionally, I requested a copy of the original loan agreement contract to verify the terms and conditions agreed upon at the inception of the loan. 
XXXX. Finally, I highlighted an incorrect balance amount that appeared on my account, seeking a correction to ensure that my credit report accurately reflects my financial obligations. 

Despite multiple attempts to resolve these issues through both informal and formal channels, the discrepancies remain unaddressed, necessitating further action to rectify the inaccuracies in my credit report.
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. XXXX  Account # XXXX, XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX All Banks XXXX XXXX Auto Financing XXXX XXXX Auto Financing XXXX XXXX  Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2017  I am not sure how this happened, I believe that I had made my payments to you when I received my statements.   XXXX  My insurance company was supposed to pay this because I was in an accident and it should have been on legal hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX  on XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the Identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$7000.00}
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that appears to be incorrect
Product: Debt collection

ARS has violated my privacy. Furnishing my medical bills without consent has made it impossible for me to extend credit for my every day household needs. ARS are not in compliance with the FCRA. As the consumer I have the right to opt out of having my private transactions added to public record. I was denied that right. ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I call equifax to remove fraudulent XXXX  account