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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX
Product: Debt collection

There is an account that I did not open it was an ex that used my name, I paid for it just so it was negative on my credit file but am requesting it be removed.Please help
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 XXXX  have Violated My Rights : Account Number : 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 an 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. 

Attached below are the documents submitted showing the filing of the report. The Credit Bureau 's have not addressed the fraudulent account opened with XXXX on XX/XX/2019
Product: Credit card

On XX/XX/2023 I was notified that my credit card account was closed on XX/XX/2023. I never received any notice that my account was actually closed and it was 148 days overdue.

I spoke with multiple representatives who stated that the account was 90 days overdue and suspended and I only need to make 2 payments to bring my account current. I received a notice that that said make a payment before closure. 

I never received a notice stating that the account was closed. The representative I spoke to in XXXX never stated the account was closed and that I had to call back to make this month payment. I requested that the account be re-instated because the creditor was providing misleading and false information. I have been trying to get my accounts current.
Product: Debt collection

NATIONAL CREDIT SYSTEMS is attempting to collect a debt from us of {$28000.00} on behalf of XXXX XXXX XXXX. XXXX lost several attempts to sue us in court and is attempting to use NCS to try and damage my credit report. I disputed the collection which is now on my credit report. I had my attorneys send them letters to not place a collection until fully verified that they had the authority to do so, which they never provided truthful and accurate information. XXXX XXXX   XXXX  is providing them false records. We do not owe XXXX XXXX to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX I am creating this report for second time to inform you that I have been a victim of identity, theft, and my personal credentials have been used in order to apply for fraudulent credit card account. I never authorized anyone to open a credit card under my name most of the fraudulent accounts have already been removed, but one of them came back hence I am creating an identity theft report again to dispute and remove the following credit card account from my credit report. 
Inquiry XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts multiple times and either one of the credit reporting agencies will rightfully remove the unauthorized account and the other ones dont. I have submitted a fruad report before but still some of the accounts still remain. Before filing suit, I thought I'll try again to dispute them .The accounts are, ( 1 ) XXXX {$3300.00}, ( 2 ) XXXX XXXX XXXX {$400.00}, and ( XXXX ) XXXX XXXX XXXXXXXX., due to certain credit bureaus investigation stated account verified, I'm respectfully requesting the Method of Verification used to come to such an conclusion. What Method was used and by whom. How was the community transpired, via phone, fax, email, etc. What physical documentation was reviewed and by who. This is the information I'm requesting as a consumer. And as stated in the FCRA if the credit bureaus can not produce this then the above accounts shall be removed/ blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account name crdtonebnk Account # XXXX, has violated my rights. 

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

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

The XXXX XXXX Account # XXXX needs to be removed from my Experian credit report. I have provided Experian with a letter from XXXX XXXX stating that my account has not been 30 days late. Please have this deleted on my report.
Product: Debt collection

Company did not give me the opportunity to dispute the debt they hold in my name. They placed the debt on my credit report 14 days after I received thier letter. I wrote them and told them I will be dealing only with the original creditor and that they need not contact me anymore unless they are taking legal action. I sent the letter certified and will provide the information if needed. I also said I dispute the amount and that was why I will only deal with the original creditor, which is my right, by law as I do not have a contract with Northeast, I also do not have one with the original creditor.
Product: Debt collection

this debt is on my credit report and I do n't know what this debt is
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX XXXX XXXX {$1600.00}
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX, XXXX, NC XXXX I spoke to Ms. XXXX XXXX, she said , she was unable to pull anything on my name from their system. She wants me to contact XXXX XXXX to produce itemized statements and signatures that shows why they put my name with TransUnion. The XXXX XXXX XXXX is a billing company that is located in XXXX XXXX. XXXX XXXX XXXX, IL XXXX. It is not a medical /Health as claimed by XXXX XXXX. 
THIS ACCOUNTS WERE NOT MINE AND NEED NOT TO HAVE ESTIMATED MONTH AND YEAR TO BE IN MY ACCOUNT TILL XX/XX/2022 SPECIFIED BY TRANSUNION. I know the account have been closed. Thanks for the good job. 

XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX, XXXX XXXX , CO XXXX, Tel:XXXX The account was not mine. I spoke to XXXX XXXX, ext : XXXX. He verified and said, the account was not mine and he had sent it back to XXXX. Where do you called that, the information was verified as accurate? Call the number again and ask for XXXX XXXX.Tel:XXXX ext XXXX  please.
Product: Debt collection

I sent to Amsher a response to notices sent to me from the credit Bureaus 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. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : NONE OF THESE WERE PROVIDED TO ME BUT A BILL WITH A NAME AS MY
Product: Money transfer, virtual currency, or money service

Cash app does not let me use XXXX everytime i try to update my info they ask me for my license when it loads it takes two days to be approved
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus letter last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Vehicle loan or lease

near the end of XXXX XXXX XXXX i did my own investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate item with Santander consumer USA account. 
so i decided to send Santander consumer USA a letter stating that the account is showing and still reporting negative on my account. and that in accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under, 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681u ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX  send a letter saying their record show that i have a total balance of XXXX. However, we are willing to accept only XXXX to settle my account in full.
Product: Debt collection

Transfinancial companies has wrongfully placed multiple debts on my credit. They have listed wrong dates as well as debt amounts on my credit. They have also taken some of the debts and put them on my account multiple times. I have tried many times to reach out to them and dispute these debts and each time they have failed to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB HL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, 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 - XX/XX/XXXX - {$2400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4900.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a certified letter, return receipt ( see attached ) was sent to TransUnion concerning them reporting inaccurately information with XXXX XXXX # XXXX. The information was inaccurate due to the fact that XXXX was reporting complete different information. This was address more than once, also on XX/XX/year> letters were sent to both TransUnion and XXXX for reporting inaccurate information and there refusal to do a proper investigation, and also send a copy of the XXXX since the company charged-off the above account. XXXX XXXX XXXX Transunion XXXX XXXX ) did not address within a timely manner. ( see attached ).
Product: Credit reporting or other personal consumer reports

I disputed a credit card charge that I had already paid. Due to the a federal regulation prohibiting Bank of America from opening a dispute on a charge older than 60 days, the dispute was denied and I was not refunded the charge. During the time of the dispute, Bank of America reported to credit agencies the following negative remark : " account information disputed by consumer ''. This resulted in a change in my credit score of XXXX points. I have called Bank of America twice in an effort to understand why, when there was no outstanding / unpaid balance on my credit card ( I pay it in full every two weeks ), would it effect my credit so adversely. I do not believe the information in the remark was accurate, as, even though I had disputed the charge, I had already paid it and there was no outstanding balance.
Product: Debt collection

This debt collection company has been falsely reporting payment on my credit report. I was never associated with the number they have on file for me. Also, the mailing address they associated with me I have not used since I was in high school. At the time I was XXXX  and was unable to open any account by myself. My current address is the proper address I have resided for over XXXX  years. Below I will submit all documents that show proof of who I am and my address.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX  : Account XXXX XXXX
Product: Checking or savings account

I have been receiving Emails, phone calls and letters from the Know Your Customer team at Citibank since XX/XX/2017. They claim that they are investigating me and my small business checking account for possible money laundering and the letters threaten to close or block my account if I do not comply.

I have responded in numerous ways in attempts to provide them with the information they requested. First they asked for information on the charitable contributions from this account, and then other information. No matter what I have done to comply with their requests, the matter is not resolved. Moreover, in addition to the constant barrage of threatening letters, Emails and phone calls, they have in fact closed, opened and closed again my account numerous times. Despite talking to them on the phone on dozens of occasions and being in contact with my personal banker at the local branch on XXXX XXXX in XXXX, I continue to get emails, phone calls and letters telling me that the issue is not resolved. Today Wed XX/XX/XXXX I had my son call again. He spoke with and I have spoken with both XXXX, XXXX of the XXXX team and XXXX of the XXXX team. The second XXXX   promised to send me an Email confirming that the issue was resolved and that we didn't need to send more forms, the latest one being a Beneficial Ownership Declaration, and then put me on hold for 10 minutes. She then got back on the line and told me she had to investigate the matter further and would NOT send the Email as she had promised. She then hung up when I requested to speak to a supervisor.

I am an XXXX  year old woman and I use this account for a small business I have. I have had this account for twenty years and up until now have never had a problem. Over the last few months of this travesty the account has been opened and closed several times and yet is still not resolved. The literally dozens of Emails, phone calls and letters have left me hysterical and distraught. I am requesting that you investigate this matter and have Citibank resolve it so that I do not receive any more calls, letters or Emails from them. This constitutes harassment and abuse. Given that they have closed my account ( and reopened it ) numerous times over the last three months and I continue to receive daily calls and Emails, this matter is rather urgent for me as I am extremely upset.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX XXXX XXXX with Bank of America. I have held this card for almost XXXX years and never had a late payment. 

My statement balance on my XXXX statement ( XX/XX/22 ) was {$91.00}. 

On XX/XX/22 I redeemed my Cash Rewards balance for a statement credit of {$93.00} -- which I assumed would be applied to my earliest purchases and cover the full amount of {$91.00} which was due. 

XXXX XX/XX/22 I was assessed a {$25.00} late fee for payment due. 

I contacted BoA customer service on XXXX and was told that due to the fine print of the user agreement I was required to make a payment -- even though the amount of the cash rewards that appear a payment/credit was greater than the amount due. The fee could not be waived because terms were applied correctly. I visited my local BoA branch on XXXX, and they understood the issue, but did not have the ability to waive the fee.
Product: Money transfer, virtual currency, or money service

To whom may concern, My name is XXXX XXXX. I have an account of WISE. On XX/XX/XXXX, I received an notice that my account will be closed on XX/XX/XXXX. And I checked with their agent. I was told that I got a duplicated account. But I have no knowledge about that. I believe my privacy was revealed. I talked with theiro agents for more than 10 calls and they don't want to reactivate my account which will bring me a lot of impact on my daily life. I would like to protect my benefits and request activation of my account. My account address is XXXX Thanks so much. 

Yours Sincerely