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

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX How is XXXX XXXX and XXXX reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? 
XXXX XXXX is reporting the date last active as XX/XX/2021, XXXX is reporting it as XX/XX/2021, and Experian is reporting the date last active as XXXX date is it? It can't be all three? 

Why isn't XXXX XXXX reporting any payment history? Why isn't Experian reporting any payment history other than XXXX of 2021? How can I be on time with my payment in XXXX of 2021 with XXXX but charged off that same month with Experian? When was I reported late with XXXX XXXX or Experian? What was my monthly payment? When was my last payment received for this account? When was the date of first delinquency with all XXXX consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Mortgage

Recently my mortgage servicer returned the mortgage payments they received from me and denied the modification. I resubmitted request for mortgage assistanceXX/XX/2019with financials. My home burned and I had burns over half of my body. I'm still recovering, but I'm working and my home has been rebuilt. Select Port Folio is unwilling to assist me with keeping my home. I would appreciate your assistance with my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XX/XX/XXXX- XXXX - - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has investigated the account XXXX XXXX XXXX in the past and marked my report as verified/acceptable. I followed up by sending a letter on XX/XX/2022, asking for verification of method of investigation. Experian has not submitted status of verification within the 15 day window allowable according to FCRA. This is now a violation of my rights and the account reporting by XXXX XXXX is inaccurate as described in disputes. It has hurt me from receiving credit from lenders. Please advise XXXX and XXXX have removed the item as it is incorrect and Experian is the only agency that has not. I am disgruntled and demand Experian to remove/delete the account reporting to XXXX XXXX XXXX XXXX is in violation with FCRA. 

Thank you,
Product: Credit card

A credit card was opened in my name for Synchrony Bank/ Paypal XX/XX/2015 I believe this was opened fraudulently Incorrect address : The address used was an address where I had lived but did n't ever use. I only ever used my business address. 

Social Security number : the social security number used to open the card is not correct. 

Type of account : I was told that this was a business account. I would have used a tax ID to open this account rather than a social security number. Again, I would have certainly used my business address. 

Pattern : If you look at my credit report please note that every other line item is in good standing. The line item related to this credit card is uncharacteristic of the rest of my report. 

I have called Synchrony Bank to investigate the account. They are unable to give me much information. They are also unable to research any fraud as they have sold the account. 

I called XXXX XXXX who Synchrony Bank sold the account to and XXXX has yet to enter the information into their database and ca n't tell me when they will have record of my account. 

Right now no one can access my account and there is nowhere to investigate fraud or appeal the charges. I have no way of knowing when someone will have the information to be able to help me deal with this. I am hoping you will remove the line item related to Synchrony Bank and re-score my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section XXXX of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Debt collection

The insurance I correctly have stated that I do not ever owe anything. The bills that I have received in the mail have been sent back to insurance and reprocessed. I have spoke to a representative multiple times and they said this process can take a while. I have received many calls and a collections letter as a result when I should not owe anything. This has been an issue for almost a year now since I have delivered my son. My insurance is never being processed correctly or in a timely fashion and just creates stress on me. This situation could effect my credit.
Product: Credit card or prepaid card

I reported a fraudulent credit card purchase on my PNC credit card for two transactions onXX/XX/XXXX. One was for {$31.00} and the other one was an international charge for {$0.00}. As a result, PNC closed my credit card and reimbursed me for these two charges. When PNC issued me a new credit card, they transferred the remaining balance on my old card to my current credit card. The amount of the remaining balance that was transferred was {$360.00}. This transfer occurred on XXXX. 

PNC charged me a late fee of {$27.00} plus interest of {$13.00} both on XXXX. Both of these charges were in regards to my old credit card that I reported fraud on. PNC claims that the payment on my old card was still due on it's original due date and that is why I received these late payment charges. When PNC transferred my remaining balance to my new card, it automatically closed out my old card and thus gave it a {$0.00} balance. 

Even though I had automatic payments set up on BOTH my old and new credit card, no payment was automatically deducted. Also, NO NOTICE was given to me ( neither via email or regular mail ) that a partial payment on my old credit card would still be due on its old due date despite the fact that the old credit card was closed and had a {$0.00} balance. 

Also, when I received my new statement for the current credit card, there was NO MENTION of separate due dates for my balance from my old credit card. 

Since no notice was given to me via mail or email, this should be a violation of Regulation Z concerning credit cards and disclosure acts.
Product: Debt collection

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on EOS CCA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryXXXX, Experian, and XXXX, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within XXXX  daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.
Product: Debt collection

On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX, began charging me a recurring membership fee of {$19.00} / month on my BOA credit card. I'd never heard of XXXX XXXX and certainly never authorized this charge. I believe the membership was established by someone who bought my information after a BOA data breach. I don't hold XXXX responsible for originally establishing the fraudulent account. But XXXX, to my mind, has become a party to the fraud by not closing the membership, despite my efforts to get them to do so. 
I called the XXXX number for XXXX XXXX that was shown on my credit card statement. I got a recording that says XXXX doesn't answer or reply to telephone calls, and I should email XXXX  at XXXX. I've done that twice ( XX/XX/2020, and XX/XX/2020 ). No reply. 
I prowled through the XXXX website to see whether there was an online form or other method to contact XXXX. The website 's FAQ page says to touch the onscreen button at the lower right. There's no such onscreen button, at least not on the screen where I found the instruction. 
I wrote twice to Mr. XXXX XXXX, the CEO of XXXX, the holding company that owns XXXX ( XX/XX/2020, and XX/XX/2020 ). He was at the lowest responsible level I could find with a human being attached. 
The first letter seemed to elicit a response. On XX/XX/2020, a woman called me who identified herself as XXXX from XXXX XXXX. She told me that XXXX was cancelling my account and dropping all charges. Unfortunately, I didn't ask for her last name or contact information, nor for written confirmation of what she told me. Neither did she offer to provide any of these things. They seemed unnecessary, because the matter seemed resolved. I noticed that my Caller ID showed a telephone number, but didn't identify it with a name. That seemed ( and maybe was ) insignificant. 
I heard nothing more from XXXX XXXX during XXXX, XXXX, and XXXX. Then, on XX/XX/2020, XXXX resumed charging me {$19.00}. On XX/XX/2020, I wrote again to Mr. XXXX, again by certified mail. This time the letter was returned to me, unopened and ( obviously ) unread. The envelope was marked that the mailing address was incomplete and the office couldn't be found. It was, of course, the HQ of XXXX, at the same address, where I'd written to Mr. XXXX 4 months earlier -- which raises the question, if the CEO 's office could be found at that address in XXXX, why not in XXXX? I assumed the letter was being refused. 
Meanwhile, on XX/XX/2020, XXXX charged another {$19.00} to my credit card. 
I recently managed to find, tucked away in an obscure corner of the XXXX website, the address of XXXX XXXX legal department. Yesterday XX/XX/2020, I sent them a letter, too ( certified mail ). I told them I'm also contacting you.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE : Submitted a complaint about Chase credit cards that I've closed and never requested replacement cards for and frivolous charges from XXXX. They have closed both XXXX & XXXX and opened a new card ending XXXX in lieu of the XXXX card. A card I've never had in my possession, will never see, nor requested. They wrote because accounts were reported lost/stolen. A lie!!!! I simply closed both accounts due to frivolous activities that I had to pay for that I wasn't responsible for. They are maliciously closing/opening accounts/false reporting to the credit bureau ( s ) to hurt my credit which is excellent. Chase should be investigated as I believe they are not good for business.
Product: Credit card

This card is believed to have charged me more money than owed. Multiple inaccuracies charged to my account. I feel unsafe with this company having my credit information,
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 602 states that i have the right to privacy.

15 USC 1681 604 A section 2 : it also states that a consumer rights furnish an account without my written authorization or instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card an open-end consumer credit plan as late for any purpose.
Product: Debt collection

Merchants Credit Guide Co amount says {$1800.00} XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX and hard inquires which i didnt do and are not linked to any open accounts they refuse to help me with removal and a few accounts that are inacurate that i disputed and were found to be false tbey closed them and they are still on my acc and i need them deleted they are possible finance for {$280.00} XXXX  {$200.00} XXXX {$63.00} and theres about 12 hard inquires which i didnt do other then the XXXX XXXX XXXX. i ecen had sent them all certified letters stating This letter is regarding this account listed above which you claim is a collection that i have with your company. This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the fair debt collection practices act. Please note that i am requesting " validation '' that is competent evidence bearing my signature and proof showing that i have ( or ever have ) some contractual obligation to pay you. 


Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company you represent, for a debt that i dont owe, is a violation of the fair debt collection practices act FDPCA 807 ( 15 USC 1962e ) : therefor, you can not validate the debt, you must request that all credit reporting agencies delete the entry. 


Pending the outcome of my investigation of any evidence that you submit, you are instructed to take action that could be detrimental to any of my credit reports. 


Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Deframation 2 ) Neglegent Enablement of identity fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collction Pactices Act. 


You will be required to appear in a court venue local to me, since you are clearly dojng buisness in my area. 


For the purposes of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 


Please Note : This notice is a attempt to correct your records, and any information received from you whilw collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, electio, or waiver of status
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. 
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. 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. XXXXXXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I will never stop doing this as needed since I see that you are not taking action on my concerns. This is my refilling of complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and also for continuing to report the inaccurate information on this account listed below. As I checked my recent credit report, the unauthorized hard inquiries are reporting including the inaccurate account on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX. I have attached also the letter response from XXXX, XXXX that they are deleting or blocking these inquiries but I still these unauthorized inquiries reflecting in my credit reports and continue to damage my credit reputation and credit scores.
Product: Credit reporting or other personal consumer reports

I had an auto loan with Honda Financial from XX/XX/XXXX through XX/XX/XXXX. However it showed with credit bureaus at the beginning. During the year of XXXX credit report was checked and discovered it was no longer reporting. Contact Honda and was told my account was suppressed due to the XXXX pandemic without my knowledge at all and what criteria was taking in place to suppress this account. They dont know why, just that the company didnt wont to report negative information. The 72 months I paid wasnt behind at all and wasnt in a status to be behind nor did I called to tell them the notes couldnt be paid. I kept calling to check again and was told when the car is paid out it will reflect on report. Again, it wasnt on report and it has been paid out XX/XX/XXXX. My credit was ran to obtain a loan and that loan should be placed with the credit bureaus with my rating key showing how I was paying. To no avail Honda is corporating stating they cant provide my trade line.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late.If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit card

Barclay Card closed my credit card accounts. I was NEVER late on even one payment. I NEVER defaulted on any amount owed with them ; I have paid them every cent that was owed and did it on-time or before it was due. For whatever reason, which they never gave me, they decided to close the accounts and take from me the rewards that were rightfully mine as they were earned under proper circumstances. Again, I was never late on a payment or missed one either. I 'm asking CFPB to help me get my rewards back.
Product: Debt collection

I received a letter from Debt Recovery Solutions of Ohio , Inc. stating that I owe an outstanding balance. I am disputing the claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. Debt Recovery Solutions of Ohio, Inc., did not complying with FDCPA and with the FTC. Under the FDCPA Section 806,807, 809,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, and FCRA 605B ( 15 U.S.C 1681c-2 ) failed to submit the proper documentations to validate the debt. Due to the Coronavirus ( COVID-19 ) Pandemic and the time frame of the actual implementing judicial procedure for processing from XX/XX/XXXX- XX/XX/2020 a Summary Judgment was granted in favor of the Debt Recovery Solutions of Ohio , Inc . I was unable to have the benefit of counsel and fair judicial process, this debt is fraudulent and never validated.
Product: Money transfer, virtual currency, or money service

First of all I received my refund advance from Credit Karma on XX/XX/22. My account was frozen about a month later with no warning or reasoning. I have literally called over 30 times in the last couple weeks trying to resolve my issue which resulted in various failed and automated email responses which were all the same. I sent in my ID AND BANK STATEMENTS like I was asked OVER a month ago and verified my identify one too many times. My tax return was deposited over 10 days days ago my advance was repaid and my negative balance was settled but my funds which I am entitled to are still locked away at this point Im feeling like my money is being stolen. I keep being told everyday my case has been escalated and nothing. The XXXX of the month has passed and my rent is due and Im on the verge of losing my apartment and getting shut off notices from bills and no one there seems to care at all. I need access to my money or a solution to my case. I am over this whole situation and fed up. I have sent over 10 emails spanning almost 2 months this is crazy.