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

I am writing to DISPUTE the following summaries of derogatoriness that your company supplied to XXXX or more Bureaus .In this complaint, I have noted XXXX or more issues I have concerns and questions about, justifiably, in relationship to XXXX or more of its accuracy, completeness, timeliness, fairness, sufficing adhering of Federal and state reporting laws and or suitability in your even extremely compliant adhering to the mandatorily applied credit reporting industrys practices namely the XXXX own XXXX- detailed XXXX Formatted reporting without deviation ( XXXX ), errors, nor omissions of congruous archives that else better ensure integrity of harangues made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably docious reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are commensurate to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. 

Per the XXXX own XXXX XXXX, An Industry standard for reporting consumer accounts WILL ENSURE THE INTEGRITY AND CONSISTENCY of reported data. This MANDATORILY UTILIZED STANDARD includes but is NOT LIMITED to requirements that ALL ACCOUNTS be reported AT LEAST once MONTHLY, the FINAL ACCOUNT STATUS CODE MUST BE REPORTED if and when an account is PAID OR CLOSED with a XXXX balance. XXXX REPORTING must occur at cycles close, etc. 
ACCURACY AND INTEGRITY DEFINITIONS ( per XXXX and XXXX FACT ACT ) : Per the XXXX own XXXX XXXX, the XXXX FACT XXXX XXXX Furnisher Rules define the term Accuracy to mean that conclusions that a furnisher provides to a consumer reporting agency about an account OR other relationship with the consumer correctly ( XXXX ) Reflects the terms of AND liability for the account or other relationship, ( XXXX ) Reflects the consumers performance and other conduct with respect to the account o r other relationship, ( XXXX ) Identifies the appropriate consumer.. 
The following data is suspect to be in deviation of requirements for fair and accurate reported and I demand that ANY and all negativity ( XXXX ) related to be terminated immediately, permanently and completely or else proven admissible in writing : Please Remove These Items From My Credit Report Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account # : XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX and the major credit bureaus XXXX, XXXX, and Experian. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, XXXX, and Experian? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, XXXX, and Experian immediately, in accordance with the FCRA and CFPA. If XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My fifth third bank checking account continues to be charged overdraft fees because they hold temporary authorizations for over a week. So while these temporary authorizations are being held unfairly, they charge me numerous overdraft fees. Then the transactions inevitably drop off and my account would be positive expect theyve already charged me overdraft fees unfairly. Ive tried with countless supervisors to refund the fees and they wont. They dont care. And when I do the math for them and show how unfair it is they still dont understand or care to give me my money back for the fees. This is unacceptable and robbery. Please do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 10 months I have sent in disputes, disputing the negative items on my credit report as of todays date the only thing that was postive done on my credit report was that XXXX removed the bankruptcy from my credit report XXXX and Transunion have not removed the bankruptcy nor have they made any major change on my credit report.My personal information is STILL INCORRECT AND THERE ARE STILL INACCURATES ON MY CREDT REPORT!! All 3 credit bureaus ARE in violation of FCRA -FAIR CREDIT REPORTING ACT, MYname is incorrect see : social security card! this my last attempt for all 3 credit bureaus to correct and delete all items from my credit that I attached with this complaint if not I will consult an lawyer and file a law suit see : attachment!
Product: Debt collection

Ad Astra is alleging I have an open account with a balance of {$310.00} dollars owed since XX/XX/2018. They have failed to provide me with proof I opened the account, they do not have my signature on any paperwork for the account, and I do not recall opening this account. This is a defamation of my character and the collector refuses to remove the account from my credit.
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 XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 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 deposited two checks from a lawsuit settlement totaling {$400000.00} on XXXX XXXX at the Chase bank in XXXX XXXX XXXX XXXX. I deposited them with a teller. They have been subject to a hold until XX/XX/22 due to the large dollar amount of the checks. I have tried to have the funds released including numerous attempts to call Chase corporate, loss prevention and customer service. I also went back to the local branch to try to remedy the situation. Chase is unwilling to release any of the funds including the {$5500.00} they are required to release by statute.
Product: Debt collection

On XX/XX/2022 I was notified by General Revenue Corporation that they are now trying to collect an outstanding balance from XXXX XXXX University from Fall term 2022 in the amount of {$1300.00}. I have double checked with XXXX XXXX and have confirmed that the amount owing is {$1000.00}. I have disputed the additional amount in collection fees in the amount of {$260.00}. I have contacted the both by phone and email about this issue. Today, XX/XX/2022 I got a huge packet of information from them which went over my entire payment history with XXXX which included information that has nothing to do with the amount in question. I would really like them to stop contacting me about this matter because I will take care of the {$1000.00} owing to XXXX but will definitely not be paying any thing else. I have a meeting with XXXX on XXXX regarding this matter. Again I never disputed the amount owing just do not feel I should be resonsible for their collection costs. 

XXXX XXXX
Product: Checking or savings account

I attempted to open a Promo High-Yield 12-Month CD with XXXX, but they denied my applications and said, " we were unable to verify your identification during the application process. '' I called customer service, but they were unable to explain what identification I needed, what had failed, and whether there were alternative ways to verify my identity. I explained that I could send copies of whatever they needed, such as my drivers license and passport.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

1. I had a second mortgage on a property that was discharged in a chapter XXXX bankruptcy in XXXX. 
2. The lien on this property was settled and removed in XXXX. 
3. SLS, mortgaging service company, and debt collector, sent a fictitious bill dated XX/XX/XXXX. The outstanding principal showed approximately XXXX but the principal on the bill showed {$1.00}. Despite the principal obviously being XXXX SLS did not acknowledge the chapter XXXX discharge and was falsely attempting to get me to reinstate the debt. 
4. I informed SLS of their error and SLS sent correspondence dated XX/XX/XXXX acknowledging their error and informing me they would update their records. 
5. On XX/XX/XXXX SLS attempted once again to tempt me into reinstating this debt, failed to obey bankruptcy laws, etc. This is a deliberate and systemic collection practice that needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this is going on but I have a large number of inquiries on my credit report from multiple banks and finance companies That I did not do. 
I have frozen my credit reports on all three credit reporting agencies but yet the inquiries continue to come. 
On XX/XX/XXXX I went to my bank and was denied Credit because of a large number of inquiries. 64 on XXXX alone! XXXX to today. 

1. Equifax Dispute Submitted XX/XX/XXXX Dispute Completed XX/XX/XXXX I have put in a dispute with Equifax about this problem and their automated response was quickly returned - in less then 24 hrs after - that inquiries stay on the report for two years. ( No Change reported ) 2.XXXX  XXXX did do the right thing and tried to help BUT! I'm back @ 11 with them. 

3. XXXX Dispute Submitted XXXX also informed me That inquiries stay on the credit report for up 2 years. 
They then told me to file a report with the FTC and mail said report back to them and then they can be removed. the FTC website pushed me to this page and here I stand Help! 
Thankyou XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I mailed a letter requesting validation which is my legal right according to Fair Debt Collection Practices Act. It has been over thirty days and I have yet to receive an response from the company in regards to Account # MIDLAND FUNDING LLC # XXXX. The company responded to XXXX but now to myself as the consumer. This company is not in compliance with The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. I asked the company to please validate by providing the following. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent I this company can not respond I will nee this information forwarded to the Attorney Generals office. CC : FTC
Product: Mortgage

At the time my XXXX & XXXX year old parents got a 1st line home equity 10 yr interest only loan through TD Bank 5 years ago. This past XXXX TD Bank asked for income documentation for the 5 yr renewal period for the last 5 years. So with dad just passing away my XXXX year old mother sent in the income information as asked. They then came back and said " sorry you do not still qualify for the last 5 years of a payment around {$650.00} a month, we have to convert your loan into a 10yr fix at {$2500.00} a month. We are baffled as the promissory note states TD Bank has the rite to allow the final 5 years however they state that mom does make enough money to pay the {$650.00} a month so here is the new loan at {$2500.00} a month. So then in XXXX they said we could apply for a loan modification however the guidelines for that are being late on the mortgage which she was n't late so they DENIED her. So now we have a ten yr payment of {$2500.00} which we can not afford and they want to foreclose on her. All we want is the final 5 years of the deal she signed up for.
Product: Money transfer, virtual currency, or money service

I made a purchase of jewelry that had a precise value, two weeks later the jewelry had a higher price. So I decided not to buy it, but I had already paid the remaining amount which was XXXX. Why did I pay for this before the jewelry was shipped? Because Acima has a facility that if you pay before 90 days, you pay the exact amount of the product without interest. XXXX XXXX XXXX They say they sent me the product on month 6 on day 9, which may not be possible because the jewelry is in Florida. They have no proof that they sent me the product, because it did not, not even a tracking number. Acima from the beginning told me that I would insure my money, Acima credict had full knowledge that even a month later they had not given me the jewelry, since they made a call to me on XX/XX/XXXX to find out if I still wanted to continue with the order where I I gave him the approval that we wait a week to see if the jewelry really works. The jewelry information is Mr. XXXX the difference, telephone # XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion via phone and mail requesting to have XXXX, XXXX and XXXX deleted from my report as these accounts are closed and i would like to have them removed. Also, I have asked why when paying my cards down it is reducing my credit score for over a year I havent been able to get past a certain margin with transunion. Please help with having the above referenced accounts deleted from reporting on my credit file thank you
Product: Mortgage

I started a repayment plan in XX/XX/2019, rather than {$1800.00} a month, I was to pay {$2700.00} ( and change ) each month ... I have been on time with my payments except just recently I had a payment due on XX/XX/XXXX. I had called multiple times, sat on hold for collectively over 6 hours, I reached out my personal lender, and I even send a message through my online portal. Not ONCE was I sent a response or given a call. They are now saying I broke my repayment plan and therefore needed to put {$2700.00} down and repay {$2300.00} a month for the next 6 months. This is absurd and seems like theft considering I was on my LAST {$2700.00} payment and they were to go back down to {$1800.00} a month ... I was intentionally ignored and I  wasn't ever provided any help or response.
Product: Payday loan, title loan, or personal loan

I opened an account with XXXX in XX/XX/XXXX. After the final payment in which I paid. When I pulled by XXXX credit report on XX/XX/XXXX I was a balance of {$320.00}. I wrote a letter to XXXX asking them to provide me with " Validation '' on this balance along with when I became delinquent. 

I never received a response, so I sent them a second request via certified mail again on XX/XX/XXXX. As of today 's date, XX/XX/XXXX I've never received a response.
Product: Credit reporting

This is a case in which my ex husband was still covered under my medical insurance, but saw a doctor after our divorce and the delinquent bill is being reported under my name. His current address is also being reported on my credit report in which I have no affiliation. I have requested the removal of XXXX items twice and Experian has not done it nor have they provided me with the reason why. XXXX XXXX did remove all information but I continue to fight with Experian.
Product: Debt collection

There is an attempt to collect a debt on items that I had no knowledge of. I have submitted letters on XX/XX/XXXX to the each of the collection/creditors, stating that at the times I lived only at one address which were not any of the addresses that where added to my name. 

XXXX XXXX was open XX/XX/XXXX for XXXX $ Notified on XX/XX/XXXX that the debt did not belong to me, no response Acceptance now was open on XX/XX/XXXX for XXXX $ company never responded when notified on XX/XX/XXXX National Recovery was open XX/XX/XXXX but the original date is XX/XX/XXXX for XXXX $ once I notified this company instead of responding they placed my account as if I am admitting to the debt and made it up to date to their knowledge.
Product: Debt collection

NCB management calls several times a day, despite cell phone being on the Federal Do not call list They even call on Saturday which in itself is a violation of the Roth California FDCPA act this is NCB ; s Banning Arm
Product: Credit card or prepaid card

On XX/XX/2019 I had wrote all 3 major credit bureaus disputing the accounts in question I had also wrote the creditor disputing the balance as well on XX/XX/2019 and XX/XX/2019, XX/XX/2019. This account is till reporting on all 3 major credit bureaus and now I have collections calling my phone on an account I did not opened. I Have been overseas for the past 3 years and I have been disputing this account since I have been back into the states. I m a victim of identity theft and i have provided copies of my XXXX papers and dispute letters and yet they are still trying to collect money due on the account