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

I am writing to formally dispute the derogatory information reported on my credit report for the following XXXX  XXXX accounts, which I believe to be inaccurate and outdated : Account # : XXXX Account # : XXXX Issues with the Reporting : Inconsistent Information : The accounts are listed as " Paid '' but still reflect " Collection/Chargeoff '' statuses, which contradicts their settled and paid status. 
These discrepancies violate the accuracy requirements outlined under FCRA 623 ( 15 U.S.C. 1681s-2 ).

Harmful Reporting After Settlement : The accounts were " legally paid in full for less than the full balance, '' and the continued derogatory reporting unfairly impacts my ability to secure credit products.

According to FCRA 605 ( a ), derogatory information must be accurate, complete, and not misleading.

Failure to Update Payment History : Payments made prior to charge-off are not accurately reflected, which violates the FDCPA 807 ( 15 U.S.C. 1692e ) against false or misleading information.

Harmful Comments : Comments such as " Unpaid balance reported as a loss '' and " Account legally paid in full for less than the full balance '' create an unnecessary negative perception, despite my compliance in resolving the accounts.
Product: Checking or savings account

Greetings. Last XX/XX/XXXX I started receiving letters from Citibank saying that there was a problem with my mother 's address ( this is a conjoint account, where I am the primary holder ). I called the number provided and also contacted my branch manager in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided the required documents. They said all was fine. 
Then, last month I could not pay a credit card using this account. I did not know why. Then the same week I received a letter saying that the account had been blocked. However, I had complied with the rules the letter mentioned. It states that an account can have a mailing address AND a physical address ( residential or business ). 
That is the case of all my accounts. In this particular XXXX XXXX, that was confirmed the month before ( XXXX ) by several calls to Customer Service and XXXX XXXX. However, on XX/XX/XXXX, after I received the letter XXXX suddenly said that I can not have a mailing address different from the residential one, denying my right of privacy. 
But in fact, based on what the Citibank letter says, there is no reason for this account to be blocked, causing me and my old mother stress and late payments in her credit cards. 
Citibank must reactivate my account immediately. After that phone call ( XX/XX/XXXX ), XXXX said she was going to call me back the same afternoon. She did not, just sent an email saying she had transferred me to another branch. That is rude and unprofessional. At the moment the account is still blocked, as my mother is traveling. This is outrageous. We had followed the rules, I have been with Citibank for 29 years in 3 countries. But from XXXX the service hasgotten worse and worse. It seems discrimination, like they are trying to get rid of me. Does the CFPB allow this kind of behavior? I hope not. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I went to XXXX here in XXXX Nevada to get 2 money orders total amount of XXXX. They were voided and declined because Discovery bank does not issue money orders to XXXX. The money was withdrawn from my account. I disputed this in XXXX and it was credit XX/XX/year>. I sent proof of the receipt given to me by XXXX on the voided transaction. 

It was withdrawn again XX/XX/year> in the amount of XXXX. 

I notice this last week and called Discover card on this issue. The representative of Discover said they do have the receipt of the voided amount from XXXX and can't tell me when my money will be credited or this issue resolved. 

I can't be calling them and take time off my break just to deal with this matter. 

I need intervention please. You have the proof in the download on this matter XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have always made my payments on time. For some reason. I have a loan with XXXX XXXX XXXX.I realized that there were 30 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. 
, as required 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 a 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 item 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. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Equifax has repeatedly reported that XXXX XXXX is verifying a bankruptcy on my file. Yet XXXX XXXX has repeatedly advised me their company is NOT verifying that incorrect information and provided me a copy of my report that DOES NOT contain any bankruptcies. The bankruptcy should be removed from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report does not relate to any transactions that I have made and are not related with my current accounts. It is FRAUD XXXX Report XX/XX/202XXXX US Bank {$480.00}, XX/XX/2022 US Bank XXXX Same bank reporting different amount XXXX XX/XX/2022 US Bank {$620.00} XX/XX/2022 US Bank {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to each XXXX, XXXX, Experian regarding XXXX XXXX services..to update the payment history of late on my XXXX account. 

The account should be updated to paid and never late and should not be reporting the incorrect information ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is XXXX XXXX XXXX XXXX account number the bureaus are reporting XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

TheFCRAstatesthatthecreditbureausmustverifyallinformationthattheygetfromthebanks,creditcardcompanies,etc.,beforeputtingitonyourcreditreport.

WhattheCRAsmusthaveistheORIGINALSIGNEDDOCUMENTfromwhenIopenedthebusinessaccountthatispostedonmycreditreport.

Section609oftheFairCreditReportingActstatesthatIshouldbesenttheORIGINALSIGNEDDOCUMENTSinordertoverifyiftheaccountsarevalid.

SincetheyhavenotsentmesuchdocumentstheyareobligatedundertheFairCreditReportingActtodeletethoseunverifiedaccounts.

Therefore,IamrequestingthattheseaccountsbedeletedfrommyCreditReportAgencies.
XXXXXXXX-XXXXAccountsrelatedtothiscomplaint:Account#1:Collector:XXXXXXXXXXXXXXXXLastreportedXX/XX/2019{$630.00}OpenbalanceUNIVOFXXXXXXXXOriginalcreditorAccount#2:Collector:LVNVFUNDINGLLCLastreportedXX/XX/2019{$450.00}Openbalance12XXXXXXXXNAOriginalcreditorAccount#3:Collector:XXXXXXXXXXXXLastreportedXX/XX/2019{$170.00}Openbalance11XXXXXXXXOriginalcreditor
Product: Debt collection

I received a notification of a new debt on my credit reports. XXXX XXXX XXXX XXXX, has reported a debt in the amount of {$17000.00} from XXXX XXXX . I have sent a request for debt validation twice and have not received any documentation. The first was sent on XX/XX/XXXX and the second was sent on XX/XX/XXXX. Both were sent via certified mail. I have given XXXX XXXX XXXX XXXX, more than enough time to gather and deliver any and all documentation to me and have not received anything.
Product: Credit reporting or other personal consumer reports

I have been on the market for home purchase as stipulated by lender I had to pay off collections in which Ive done n full. The credit bureaus have yet to update credit report as I have continuously disputed still same results. The lender read off my old data but the bureaus have my report updated on my end so why is the lender not getting the updated report. Ive sent receipts and letters from creditors as well as the creditors my account have been paid still nothing. I am unable to qualify for a mortgage because of this matter and when you call they hang up on you. I need this matter rectified for I am at a stand still with obtaining a mortgage and I have to continue to pay XXXX rent is absurd. Why should I have to pay a credit repair company when Im competent enough to fix my mishaps in which Ive done .XXXX, equifax needs to be audited. Please review these circumstances.
Product: Debt collection

I sent a letter to AAMS LLC in regards to some medical collections that I do not recognize on my credit reports and I havent heard anything back from them in regards to this matter. Please help me resolve this matter. 

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and would like you guys to proceed forward with this complaint.
Product: Mortgage

In XX/XX/XXXX I refinanced rental property I own in XXXX Ga. That loan was transferred to Selene Finance in XXXX and letter of transfer and closing documents clearly states for the first 60days loan payment can not be considered late or received late fees if transfer to new lender. Im unable to create online portal access and account is not found in phone system due to some technical issues. So I paid my XXXX payment with XXXX and noted Im having issues creating a portal account to facilitate payments. I mailed XXXX payment which has not cleared. I called in XXXX to pay XXXX payment and inform them XXXX check has not cleared so I will pay that as well and they refused payments and inform me my house was foreclosure on XX/XX/XXXX with no notice of default or anything. I told them first 60 days is grace period because of loan transfer and XXXX informed me if I dont pay on the XXXX Im in default. I contacted management XX/XX/XXXX via email because that is the only means they provide and XX/XX/XXXX they responded stating loan has been foreclosed as of XX/XX/XXXX and they do not need to provide me with notice of default and they will send reinstatement information. As of XX/XX/XXXX I have not received any further communication and after reading other reviews many have complained of " Missing Payment '' and then aggressive foreclosure or excessive reinstatement fees. However my loan should of never been foreclosed on after being late by their standard only 3 days even counting missed XXXX payment who foreclose on a house after only 32days late and then provide no notice of any kind. All notices I received was just to pay my normal payments. They even sent email asking about regular monthly payment and never mentioned my home was in foreclosure.
Product: Credit reporting or other personal consumer reports

On these dates, an hard inquiry was made on my account. I called BOA to confirm, and also my credit burueas as I also have freezes in place, these are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I only apply XXXX a year, and I have not done so at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this message finds you well. I am writing to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) that have significantly affected my credit report. My goal is to seek enforcement of my legal rights as a consumer and request your assistance in rectifying these violations. 

I am a diligent individual who believes in the importance of financial responsibility. I have worked tirelessly to maintain a positive credit history and ensure the accuracy of my credit report. However, I find myself in a distressing situation due to unauthorized inquiries, inaccurate account reporting, and questionable information on my credit report. These issues have not only caused financial stress but have also had a profound emotional impact on my life. 

As a victim of these violations, I have experienced firsthand the frustration and anxiety that stem from the inability to secure reasonable interest rates for loans and credit cards. These inaccurate entries have directly hindered my ability to achieve significant life goals, such as purchasing a home and securing financing for necessary expenses. I have had to endure sleepless nights, constant worry, and the mental toll of feeling powerless in the face of a system that is supposed to protect consumers. 

Specifically, I have identified the following violations : Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Inaccurate Account Reporting XXXX XXXX XXXX ( Account XXXX XXXX XXXX ) Questionable Account Information : XXXX ( Account Number : XXXX ) I implore you to consider the immense impact that these violations have had on my financial and emotional well-being. I kindly request your intervention to ensure that the creditors involved remove the unverified accounts and inquiries from my credit report, thus allowing me the chance to rebuild my credit history accurately and without the unjust obstacles that have plagued my life. 

Please assist me in upholding the principles of the Fair Credit Reporting Act by taking necessary actions against these violations and ensuring my rights are protected. I thank you in advance for your attention to this matter and your commitment to consumer protection. 

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

I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I WAS IN A XXXX XXXX  RALTIONSHIP, I WAS TOO SCARED TO DO ANYTHING. AT THE TIME HE SAID IF I WENT TO POLICE HE WOULD RUIN ME BUT I NEVER KNEW WHAT HE MEANT BY THAT. I FINALLY TOLD MY FRIEND WHO IS AN XXXX WHAT WAS GOING ON AND THEY REPORTED IT. FROM THERE, I LET HIM KNOW AND HE DISAPPEARED. I NEVER WOULD USE MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKED WITHIN THE NEXT 4 DAYS. 


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

I sent a letter out around XX/XX/XXXX to XXXX, XXXX and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 item from the 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 of reseller. Please take action on my credit report, inquiries and closed accounts, chargeoffs on my credit report. 
Account Name : XXXX XXXX XXXX XXXX Account # : XXXX **** Account Name : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I was sourced to contact Federal Trade Commission and police department for identity fraud, now I'm contacting you all for your assistance. These items need to be deleted from my credit report XXXX  XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX  XXXX XXXX, US DEPT ED and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a vehicle that was total, after talking to credit acceptance yes they did tell me to continue making my payment. After having to get two vehicles I called and ask what could I do because I just had to get two vehicle and I couldnt make the full payment. They told me they could set me up with XXXXXXXX XXXX payment a month until its was paid off. Not once they said after setting these payment up each month you will still have a remaining balance, I didnt know that. The way they made it sounded like XXXXXXXX XXXX a month and you were good until paid off. Until I got a 30days late payment on my report. I called to see what was going on and they told me because I had a pass due balance after I thought XXXXXXXX XXXX a month and everything was good..today XX/XX/year> I just got off the phone with credit acceptance and she told me sorry for the confusion but the people that made the payment plan with me are not train for credit, I than told her so its my fault that I set up payment plans and they didnt tell me if I didnt pay the full payment it was be late after they told me I was good paying XXXXXXXX XXXX a month.. only thing is request is to get my late payment remove from my credit. I paid off the Vehicle now. I just want them late payment removed.. she said she did ask for their employee for more training on that part..
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I've tried to fix errors on my credit report with TransUnion. They are STILL showing inaccurate information regarding 2 different accounts. They are reporting closed & included in a bankruptcy verses Paid in Full regarding XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX, which has been paid in full since XX/XX/XXXX and not included in any bankruptcy. The account of XXXX XXXX XXXX shows late and included in a Bankruptcy, but the debt was sold years ago and was a write off for this company which means that the account should be deleted as I'm not liable or responsible per the FCRA. 
XXXX XXXX constant refusal to fix their errors has caused me stress and thousands of dollars in higher interest when credit is needed. They are in violation and this needs to be rectified.
Product: Debt collection

I hope this letter finds you well. I am writing to kindly request a goodwill adjustment for the removal of a paid-off account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. 

I appreciate the opportunity to have been a customer of Macy 's and have always strived to manage my financial obligations responsibly. The account in question, XXXXwas closed sometime in XX/XX/year>. 

However, I have recently become aware that the negative information related to this account is still impacting my credit score. I understand that the FCRA allows for such negative entries to remain on credit reports for up to seven years, and with this account being closed 9 years ago, it's safe to say it's well passed the 7 year mark.