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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX  ( XXXX Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are all reporting my XXXX XXXX XXXX loan as XXXX late payments and charged off. That is incorrect.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, Going over my credit report ( s ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance.Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ). If you provide such written notification I will agree not to pursue immediate regulatory action and drop any further legal actions. 
require a response, on point, in writing ( a statement under penalty of perjury included ), hand signed, and in a timely manner. If I get a pointless letter from you saying that account has already been " verified '', or your firm can not or chooses not to respond to this VALIDATION demand and its conditions, then there will be no more opportunity for negotiation, I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious and inaccurate activities.
Product: Checking or savings account

My account was closed the check you send to me was not able to be cash by my bank because they said invalid routing number And I dont want them to send me their invalid checks anymore and put my money via ach to my XXXX XXXX  My name is XXXX XXXX with the phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit by Synchrony Bank because it said I was deceased. I called the number XXXX listed on letter it was for a XXXX account. I called XXXX  and they said I was listed as deceased and asked me for SS number and what credit cards I had balances ext. they said SS office reported me as dead. So I called SS they said they do not have me down as deceased and I am still receiving SS XXXX check. I am worried I gave info to a scammer and also need to fix report that I am deceased. You
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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. 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I have a XXXX XXXX credit card through Wells Fargo. In XXXX XXXX, I purchased furniture under a 12-month interest-free promotion and paid it off in XXXX XXXX. In XXXX XXXX, I purchased additional furniture under another 12-month interest free promotion. My balance is {$340.00} and the promotional period ends in XXXX XXXX. My minimum payment due is {$130.00}, which would cause me to repay the loan in full by XXXX ( instead of enjoying the benefit of interest free payments with a minimum monthly payment of roughly {$65.00} until XXXX XXXX ). Wells Fargo is alleging that the furniture store set the promotional balance, and they they calculate my minimum balance differently. This practice is deceptive. I was promised the ability to make payments for 12 months interest free, but if I do n't make the minimum payment I will hurt my credit and be charged all of the interest I have saved so far. This is deceptive and misleading.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated a written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : 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
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reviewed my Consumer Reports and noticed that I had 2 late payments on a XXXX XXXX XXXX XXXX that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX 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 on time as they should be as I was NEVER Late. Thanks, Also, attached are the THE HEROES ACT PROTECTS CONSUMERS AND THEIR CREDIT SCORES.
Product: Debt collection

For account XXXX XXXX XXXX XXXX XXXX had repossessed vehicle for 3 months of missed payments. The vehicle was the auctioned off for the value of the vehicle at {$13000.00}. XXXX XXXX XXXX XXXX then sold off the {$7800.00} account debt to XXXX XXXX XXXX XXXX XXXX. Threatened or suggested your credit would be damaged. XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX agreed to settle collections account {$6400.00} due to financial difficulties. Payments were made to erase collections history, a " pay for delete '' agreement. Account XXXX was paid off at {$6400.00} in addition to the auctioned amount of {$13000.00}. Pay for delete agreement was not honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to remove an acct that was included in bankruptcy that was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. The creditors had a heloc of {$80000.00} at time of filing. XXXX has Bank of America reporting a closed account ( closed XX/XX/XXXX ) which was included in bankruptcy in XX/XX/XXXX discharged in XX/XX/XXXX. It shows a balance of XXXX. Should be XXXX. Shows it as charged off and should say included in bankruptcy. Ultimately it should not be reporting. Over 10years since filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an account that has already been removed from my report, the creditor is now sold to a new company reappearing. As previously discussed and stated not my debt! 

XXXX XXXX XXXX collection Agency - XXXX XXXX XXXX. XXXX XXXXXXXX XXXX to do not any legal rights to post on my credit report. I nor them have a signed contract regarding this claim. 

Resulting in this claim has dropped my credit score. 

The collector must send you a written notice within five days after you are first contacted to tell you the amount of money owed, the creditors name and what to do if you believe you do not owe the money. This validation notice warns you that if a debt is not disputed it is considered valid. - this never happened the debt collector did not follow suit.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, an individual tried to send me money, same person/card that was used when XXXX refused to issue me money from a transaction with a valid reciept yesterday. 
Today paypal refused to send money to this email address. ( XXXX ) They said his bank was refusing the transaction " because there were too many transactiins of this amount on his card '' They put a fraud alert on HIS card. He went to his bank. They removed the alert, they tried again. Still failed. 
They are ruining my business by relentlessly harassing my customers.
Product: Credit card

Our Bank of America Visa correctly identified fraudulent activity in XXXX 2016 when it denied charges for several transactions including, for example : XXXX on XXXX XXXX for {$100.00}, XXXX XXXXXXXXXXXX and XXXX @ {$420.00}. We were not aware of this until we received the XX/XX/XXXX-XX/XX/XXXX itemized charges. When we saw over {$1800.00} in fraudulent charges, we cancelled the card and requested an investigation. In particular, the XXXX transaction on XXXX XXXX of {$380.00} and a {$280.00} at XXXX should certainly require an ID check. After the investigation, we were told the pattern did n't fit fraud so the claim was denied. We asked several times now for the case to be re-opened, requested copies of the signatures and filed a police report. The single signature copy we received was n't a legitimate signature. BOA has debited our account for the entire fraudulent amount. We can verify being at work when there were fraudulent card swipes. We have offered to help in every way but they wo n't refund the charges. Since BOA identified fraud and denied claims with our card, without telling us, they acknowledged fraud. Now they are denying fraud for later purchases at these very places. We have never shopped at XXXX or several other places where the fraud occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no NEGATIVE items on my report anymore but some of my FICO scores ( diff versions all from Experians paid service ) will be about 100 pts lower and the Experian Ficos with lower scores will ( Experian Fico 2 vs XXXX 2 ) state there is a delinquent account yet my FICO 8 score from the same report states there are no delinquencies. When I try to drill down into the account they are stating is negative in the scoring explanation on my Experian creditworks, there is no account there. Can someone please look into this because if a lender pulls fico 8 from Experian it is only XXXX when my Experian Fico 2 and XXXX 8 are above 750. The fico 8 experian score states a delinquency while the others from experian do not. If you look at my experian credit report, there is absolutely no NEGATIVE information so I don't know why some of the Ficos provided from experian will say there is a delinquency when the reports and scores will be from the same date.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times have I told you that these Items are in litigation? Please delete these Items XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as they are Fraudulent.
Product: Credit card or prepaid card

PNC Bank closed my business account and business credit card even though I am a law abiding XXXX Business. I was totally honest and forthcoming with the description of my Business when opening these accounts. I poured my heart and soul into this business because of the love for the industry, getting and delivering second amendment rights to those who should responsibly handle those rights by conducting ATF and FDLE approved background checks. I am licensed by the Federal Government to conduct my Business. This type of discrimination is not fair nor should this type of bias be tolerated. I used my business credit card to build my business spend money using it and now can not generate income but yet expected to pay the bill even though they flat out demean me using discrimination of this type along with other Banks. In my opinion PNC Bank should have not allowed this business card and business account to be open in the first place if it is so against their political beliefs. They have wasted my soul, time, and money.
Product: Credit reporting or other personal consumer reports

I am writing rectify discrepancies between the credit report entries regarding the account from XXXX ( Account Number : XXXX ), which is reported on both my TransUnion and XXXX credit reports. The conflicting information provided by these bureaus constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Below is a summary of the discrepancies I have identified between the reports from TransUnion and XXXX : TransUnion Report : Account Balance : {$11000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Dispute Status : Account information disputed by consumer, meets FCRA requirements Account Description : Collection/Chargeoff Payment Status : None Reported Creditor Name : XXXX XXXX XXXX XXXX XXXX Report : Account Balance : {$11000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Closed Dispute Status : Customer disputed account reported by subscriber Account Description : Collection/Chargeoff Payment Status : None Reported Creditor Name : XXXX XXXX XXXX As shown , the information reported by TransUnion and XXXX differs in the date opened, account status, and the creditor name associated with this account. Specifically, TransUnion lists the account as open with an opening date of XX/XX/XXXX, whereas XXXX indicates it is closed with a XX/XX/XXXX opening date. Additionally, the creditor names provided on each report differ : TransUnion lists it as " XXXX XXXX XXXX XXXX, '' while XXXX reports it as " XXXX XXXX XXXX. '' These discrepancies are concerning, as they negatively affect the accuracy of my credit report and, as a result, my credit score. Under the FCRA, I am entitled to an accurate and complete credit report, and I request that you conduct a thorough investigation into this matter. My rights are being violated as this information isn't fair, accurate, or complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, XXXX XXXX Consumer Financial Protection Bureau I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX, XXXX and/or XXXX ) credit report XXXX My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

The XXXX XXXX - XXXX XXXX XXXX XX/XX/2022 For {$7600.00} I made a police report about this. 

Ive been at the California address pass couple years. 

Please remove this activity. Its causing a hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted XXXX XXXX XXXX in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX  in writing to discontinue reporting the same fraudulent account XXXX. To date, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  have responded to my request or discontinued reporting the associated fraudulent account to XXXX, Transunion, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX. Bank nor am I liable for any debt to XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, or any factoring company. In addition, I also sent a copies of these letters to XXXX, TransUnion, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following items : 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 XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

On XXXX Your company responded to my complaint with the CFBP stating that the incorrect account from XXXX XXXX has been deleted. As of XXXX this incorrect account from XXXX XXXX is still reporting to my credit file as should be removed as soon as possible. I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I am distressed that you have included the below information to my credit file, your organization has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under the laws of the FDCPA, I have contacted the collection agencies myself and I have not been able to get them to respond or to verify that the debt is indeed mine. The FCRA Requires you to verify the validity of the information you have placed on my credit file. If the validity can not be verified, you are obligated BY LAW to remove this item. There is a clear case of unverified debt here and I urge you to remove this item before I am forced to take legal action. My lawyer has advised me to file an FTC report, which I have done so. Our next step will be to bring this information forth to a judge in my area, while I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. The following accounts are the result of the XXXX XXXX XXXX which my information was a part of, I have attached legal documentation to this letter. I look forward to a fast turnaround.