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

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XXXX/XXXX/2017. this account was open while being XXXX oversea. I am XXXX XXXX military and place for alert on my credit report to stop this type abuse from this company and I have ask this company to send me documents to show I open this account and sign for this account. Until this day they have not provide this information. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX and 2 collection accounts on my report. XXXX XXXX was paid off and is over 7 years old. The 2 collection accounts were from XXXX hospital and I disputed those as well because when I was in the process of getting XXXX for my numerous eye issues, the hospital accidentally billed me for my procedures. XXXX and XXXX looked into all of these disputes and found out that I was correct and removed them immediately. Equifax keeps playing games with me. They keep saying that they can't verify me over the phone because my answers about the creditors are incorrect. What the XXXX are they talking about? I answered every question that they asked me. The answers are probably wrong because they have inaccurate information. I call them every week and try to go on-line every week. This is ridiculous. They are basically holding my credit hostage. Could you please  contact Equifax and find out what the problem is and tell them that I am entitled to an updated credit report by law ... after I had disputed those items. Please contact me to let me know the status. In the meantime, I will contact this XXXX  in writing AGAIN!!!!!! Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Plus has made 2 inquiries, XX/XX/XXXX and XX/XX/XXXX, these were not authorized.
Product: Debt collection

On or about XXXX upon information and belief an account was opened in my name through Capitol One, NA. this account was charged off and sold to a collection agency and then sold again to XXXX XXXX in XXXX Virginia. I have disputed the account on a number of occasions with XXXX through XXXX XXXX. They response comes back the same that they debt is valid and has been verified. I have disputed this multiple times with the same above response until this last time I disputed the account and XXXX came back and advised that the account had been previously disputed and they refused to investigate the dispute again. I contacted XXXX on or about the XXXX XXXX XXXX XXXX XXXX and was advised that they did not have any applications, or documents associated with this account and therefore could not provide these requested documents to me that I needed to contact Capitol One. All along they have alleged the debt as valid when disputed. I also on or about the XXXXXXXX XXXX XXXXXXXX reached out to Captiol One and advised them this account was a fraudulent account and that I was not responsible for it. Once I advised this they refused to provide me with any documentation. They advised that the address I gave them through XXXX XXXX was the address of the account when it was opened. I just gained possession of this home in XXXXXXXX XXXX XXXXXXXX after a long investigation by the federal bankruptcy court. Captiol one advised that they had the debt in their system as a fraudulent account and that they would escalate it to a higher dept and someone would be in touch with me. I have heard nothing from capitol One. I was in a bankruptcy from XXXXXXXX XXXX XXXX and it was dismissed as a no asset distribution. This is not my account and I did not benefit from this account in any manner. I did not authorize this account to be opened in my name by any parties. Now both Capitol One and XXXX refuse to delete and remove this account from my credit report. It is damaging my credit and I am suffering both financially and mentally having to keep dealing with this account. XXXX advised they were authorized to settle the account for {$320.00} and that was the only way that it would be deleted from my credit report. This is not my account and I am not paying it.
Product: Debt collection

During the time period of XX/XX/XXXX - XX/XX/XXXX an apartment lease was opened in my name. This person lived there for 5 months, never paid 1 dime of rent and then left the premises I have lived in the same house with a mortgage since XXXX. I contacted Pro Collect and they will not accept the proof I have provided, which includes utility bills and cable bills showing my proof of residence at my home. The collection manager uses no common logic and will only repeat that I need to provide proof, but will not provide me exactly what she needs in order to resolve this. 

The application was signed online so there is no signature and simply is not me. Im not saying they didn't use my ID or a ID created with my information. 

This company is living in the stone ages and does not realize how crafty identity thieves can be. They claim to have proof by saying my ID is on file, but in the course of my living in XXXX I have lost my wallet and can only imagine what else its been used for. I have provided the FTC report and numerous documents. No matter what proof is provided they will play hardball and try to get you to settle.
Product: Credit card or prepaid card

I was altered by my identity theft protection through XXXX XXXX  that someone had opened an IKEA VISA card in my name. They ran my credit report. 

comenity capital ikeavc is the alert i received. I have attempted to contact the fraud department at the credit card company without any luck.
Product: Checking or savings account

Date : XX/XX/year> Subject : Complaint Against Citizens Bank Extended Hold on Federal Tax Refund Deposit Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, and I am filing a formal complaint against Citizens Bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) regarding an extended and unreasonable hold they have placed on my federal tax refund deposit. 

Summary of events : On XX/XX/year>, I opened a new checking and savings account at Citizens Bank. I deposited my federal tax refund check in the amount of {$31000.00} into this new account. 

Citizens Bank 's written policy states that funds deposited from the US Government are subject to the following availability schedule : First business day : Up to {$5500.00} available Sixth business day : Remaining funds available Despite this policy, I have been unable to access any portion of my federal tax refund. I have visited the branch and called customer service multiple times to request that my funds be made available, but the hold has been continually extended. As of today, XX/XX/year>, a full month after my deposit, the bank is still refusing to release my funds. 

Impact : This extended hold is causing severe financial hardship. I am unable to pay my rent, feed my family, or cover essential expenses. I have explained my urgent need for these funds to the bank, but they have not shown any willingness to resolve the situation in a timely manner. Furthermore, they are making it difficult for me to close my account. 

Desired Resolution : I request the following : Immediate release of the full amount of my federal tax refund ( {$31000.00} ). 
Compensation for any financial losses or overdraft fees incurred due to the bank 's actions. 
I believe Citizens Bank has violated their own written policy and has caused me undue financial stress. I hope the CFPB can help me resolve this matter and hold Citizens Bank accountable. 

Documentation : I am prepared to provide the following documentation : Copy of my government-issued ID Account opening documents Deposit slip for the federal tax refund check Correspondence with Citizens Bank regarding the hold Thank you for your attention to this matter. 

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

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX {$0.00} Equifax : XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX  XXXX XXXX {$3900.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX : XXXX XXXX  XXXX XXXX {$3900.00} XXXX XXXX Balance XXXX {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account that was created fraudulent. I have disputed XXXX XXXX and XXXX   continues to just update and drop my score every time. The company has hired an attorney and has sent them a contract that does not belong to me. 

The contracted stated I put {$2000.00} down and that is incorrect. The car lot required me to put down {$1200.00}. I gave them {$600.00} and the balance of {$600.00} was due when they finished repairing the car. Upon repairing the car then I would get the official contract to get ownership to the vehicle. 

I request that you remove the fraudulent account that was created to make a sale and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details XXXX   responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.
Product: Mortgage

Sent XXXX paperwork in multiple times. When they finally acknowledged receiving the paperwork they started the process. Half way through they closed my file in error which started the foreclosure process. Rarely received responses to my calls/emails. Values began to go up, so decided to sell property and get rid of the stress. Took 7 weeks to get a payoff amount. Based the sale of the property on that amount. Property sold. A week later mod was approved adding XXXX and 10 years to balance. Proceeded with sale. 2 mos after original payoff amount was given and property was in escrow they increased the payoff by XXXX. The mod would have only hurt me more, and the increase in payoff ended up hurting me anyway. I walked away with nothing and now have a huge capital gain bill to pay which I would have paid with any proceeds I would have had. The mortgage was discharged in Chapter XXXX but the tax bill will not be. Job loss and medical issues created this situation. I thought selling and paying off the bank would be the right thing to do and would be better than a foreclosure. This bank knows how to play the game and the modification process and offer was really a joke being played on me!
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me.

Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - In 2012 I had my car loan with XXXX XXXX. After making the decision of relocating to XXXX, I requested to have my loan transferred to XXXX XXXX XXXX. XXXX XXXX  claimed that this was not possible and I had to voluntarily surrender the vehicle if I decided to move ( I come to find out now that this was not true ). After following their only recommendation, they agreed to not affect my credit with a negative remark since it was voluntary and I was in good standing with them. During this past year, XXXX XXXX has been updating the account on the credit reports inconsistently and with inaccurate information. Every other month they change the account status on XXXX and XXXX to repossession, delinquent, owes money, add monthly payments ( account is closed and has been for 7 years ) change the dates of the accounts etc, and only change it back to the right information after every dispute I make ( over 10 already ) It changes from month to month. The original agreement and as it stood for 6 years was : Account is closed, voluntary, no negative remarks, no delinquency no derogatory remarks, no monthly payments are being made or owed. If you can not accurately keep track of the correct information each month, remove it from the credit report. Inconsistent reporting, inaugurate information and malicious intents are illegal.
Product: Credit reporting or other personal consumer reports

I contacted Experian about the fraudulent items on my credit report. In return. they did not send me the actual proof who, date, and how, they verified the fraudulent items. Experian also accused me of using a credit company, when in fact everything I have learned is right from the internet and the FCRA. I have provided all the necessary documents to support my claim. The fraudulent items I DID NOT OPEN THE FRAUDULENT ACCOUNTS and had nothing to do with it.. So from what I can see, The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] that Experian is reporting
Product: Credit reporting or other personal consumer reports

Transworld system put wrongful, inaccurate unverified information on my credit report without ever verifying the information, without contacting me to let me know their may have been a debt, without sending any letters providing proof of a debt, without verification of address or phone number, without sending proof a debt exists or without getting a judgment through the court. They have officially committed a crime of slander, liable and defamation by not verifying the debt was mine. They are in violation of the law.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed a series of late payments reflecting for months XXXX of 2023 being reported on my credit report. I reached out to the Credit Reporting Agencies via mail and phone to resolve the errors as I have not been late. 
Furnishing late payments due to any billing errors is in direct violation of 15 USC 1666B. I requested verification of the late payments as to date I have not received any updated information. 
The late payments are impacting my payment history and my ability to obtain credit. I have not been late with the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX. Reporting these late payments on my profile are indeed inaccurate.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX CC 'D : Email : XXXX CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! -DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use XXXX to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

Bankruptcy - XXXX XXXX " The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s- 2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Product: Credit reporting or other personal consumer reports

My account with the XXXX and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports