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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8300.00} Collection XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$540.00} Late/Open XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

To EXPERIAN XXXX XXXX : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. 
This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, I am writing to formally request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Equifax data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. 
The fraudulent accounts in question are as follows : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX : Amount : {$840.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party.

I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed. If you require further documentation or information to process this request, please contact me immediately at the phone number or email address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion never thoroughly investigated my compliant under the FCRA & FDCPA. -- -- -- -- -- -- -- TransUnion continues to report XXXX on my credit file even after I provided verifiable evidence ( see attachment ) of XXXX deliberately responding to my certified debt validation 30 days after the time period allowed for creditors to respond. -- -- -- -- -- -- -- OnXX/XX/2018, XXXX  received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.
Product: Credit reporting or other personal consumer reports

AVANT LLC/WEB BANK + XXXX Has been reporting Negative on my credit report I never opened this account. This account has been affecting my abilities to attain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Midwest Recovery Systems keeps adding and deleting this account without contacting me or validation of this so called debt. I filed complaints about this company before with the CFPB and the inaccurate account was removed. The complaint numbers are XXXX & XXXX. This account was added in XXXX and disputed and was deleted in XXXX or XXXX of XXXX. I have NEVER done business with Midwest Recovery Systems. I dont have a signed contract nor any contract with Midwest Recovery Systems. I have a right to demand to see the contract between Midwest Recovery Systems and myself. Midwest Recovery Systems has listed this account multiple times with the credit bureaus. I want this INVALIDATED DEBT REMOVED FROM ALL CREDIT REPORTS. Midwest Recovery Systems is NOT LICENSED in the state of TENNESSEE. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in TENNESSEE without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of  Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.
Product: Credit card or prepaid card

Chime locked my account on XXXX XXXX, I have at least XXXX in the account, I have provided every document they need I have claimed it on my income tax been penalized for the money when I wasnt able to access it
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an issue I have encountered with the following accounts : XXXX - XXXX XXXX - XXXX XXXX/XXXX  - XXXX as reported on my credit report. I had previously sent these account for validation, and despite being returned as " accurately reporting, '' I still believe that the information is incorrect and that there was no proper proof of debt validation provided. 

Here are the details of my complaint : Inaccurate Reporting : The information related to the following accounts on my credit report is inaccurate. I have thoroughly reviewed the details, and I am certain that there are discrepancies that need to be addressed. The inaccuracies adversely affect my credit score and financial standing. 

Validation Request : I had submitted a request for debt validation to the listed accounts in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, the response I received did not provide satisfactory proof of the debt 's validity. The lack of proper validation documentation raises concerns about the accuracy of the reported information. 

Impact on Credit Score : The inaccurate reporting of this account has had a significant negative impact on my credit score, affecting my ability to secure favorable terms on loans and credit. It is crucial that the inaccuracies be corrected promptly to restore the accuracy of my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies in the reporting of the above listed accounts. I also request that the bureau ensure proper validation of the debt in question. 

Enclosed with this complaint, please find copies of relevant documents, including my original validation request for each account. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address these concerns and work towards resolving this issue. 

Sincerely,
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.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

So i started a business account on Paypal as i am working freelance and wanted to get payments on it. The FIRST payment i got, i was told that they will be on HOLD for 21 Days or i have to upload the shippment document to get them released after 7 days, i told them it's virtual services, i don't ship anything and i confirmed that! After my 3rd payment which were on Hold as well they sent me an email that my account was set to limitation and i have to provide informations which i did and also shipement document ( which i contacted the customer service to explain the nature of my business and that i don't sell products to have shippement documents and the agent understood that and told me they will set up this ). After two hours i got that i can no longer use paypal and i can get my money only after 6 months!! I did nothing wrong and why should i wait 6 whole months?? I really regret it using this company!!
Product: Checking or savings account

My ex-husband hacked my personal accounts including my Chime bank account and my XXXX  account changed passwords and from XX/XX/XXXX to XX/XX/XXXX transferred money to himself without my knowledge or permission. The amount totalled XXXX both companies denied my claims multiple times. This is not the first I have had this issue I have a XXXX XXXX  account that is negative {$500.00} from my ex-husband as well. I disputed these in XX/XX/XXXX and XX/XX/XXXX and in XXXX of XXXX all were denied.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, Equifax seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX and XXXX have already removed these accounts from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete these from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I respectfully request that you promptly investigate this matter and take the necessary steps to remove the remaining fraudulent accounts from my credit report. Failure to do so not only perpetuates an injustice against me but also exposes your bureau to potential legal repercussions for non-compliance with federal regulations.
Product: Mortgage

For the XXXX  year, the servicer ( Flagstar ) miscalculated the escrow for the property. Starting in XXXX of XXXX, a new monthly payment was to start, to remedy the {$5600.00} shortage from XXXX. I was notified by mail after XX/XX/XXXX of the new schedule for XXXX. I make every payment for this mortgage approx 2 weeks prior to the due date ( 1st of every month ). Ex, payment for XX/XX/XXXX was sent directly from my bank around XX/XX/XXXX. Every payment for this loan has been done in this manner since the start. My payment for XX/XX/XXXX was applied correctly because the new amount was not started until XXXX of XXXX. My bank sent the payment for XXXX, on or about XX/XX/XXXX in the amount of {$1600.00} ( old amount before the deficiency ) because I did not receive notice of the new amount until after XX/XX/XXXX. The {$1600.00} payment was applied, but in such a way that shows I am delinquent every month. I was notified in XXXX that I was deficient and this was going to collections. I called Flagstar and was connected to their collections dep. They were able to identify that the deficiency did not start until XXXX. I explained the problem and we were able to find a {$450.00} deficiency in the amount they received for the XXXX payment and the one that was actually owed. I agreed and sent the additional funds so that I may be caught up and resume the {$2000.00} payment every month and not be considered late. Since this conversation and the additional funds sent, the problem has persisted and I am forced to contact Flagstar every month, talk to a new collections person ( XXXX was the last on XX/XX/XXXX ) and explain everything over. They take their time in tracing the payments and reluctantly admit that they misapplied the additional {$450.00} payment to catch everything up to the principal, and still show the FULL payment as late every month. Every month since XXXX, the payment I send on or about the XXXX gets applied to the same month it is sent, rather than the following month as it is intended. I HAVE NOT MISSED ANY PAYMENTS SINCE THE START OF THIS MORTGAGE. According to all the conversations with their collections department, no payment has been identified as missing. The only problem with any of the payments was the shortage for XX/XX/XXXX and was due to the late notification from Flagstar. I have since paid the extra {$450.00} to bring the account current and this was applied incorrectly. I receive no compensation for my time and effort every month when I have to call and effectively do their job for them. It is only a matter of time before they start reporting to the credit agencies that my payments are late and ultimately have a negative effect on my score. The incompetence shown regarding this issue is creating undue stress and is very time consuming for me, as well as generating more income for Flagstar in late fees assessed by them for their own neglect.
Product: Checking or savings account

On XX/XX/year> It all started out I've had a family member of mine ( whom I will remain anonymous ) get access to my Wells Fargo XXXX savings by wanting to use my phone device for a phone call about an hour I Trustingly and mistakenly I agreed. A day or so after I discovered unauthorized purchases from XXXX of {$23000.00} worth of crypto currency through a company called XXXX, this is the XXXX time this has happened. Before I never knew until now my family member has since moved And I lost contact, anyway, Wells Fargo still believes I authorized these payments and denied my claim twice now saying I could of prevented it? How can I prevent a family member whom I once trusted scam me and disappear? It doesn't make sense for me to put {$20000.00} in savings just to make a big purchase! I need help emy money back since Wells Fargo has now removed my online access and restricted my debit card. Help is in dire need because I need my savings investment money to continue or I have to start over with nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing another complaint against South West Recovery Services. CFPB closed my original complaint because the company responded. This is just a tactic to have the complaint closed by the company submitting anything even though it doesn't support anything. Southwest Recovery Services has yet to provide a sign contract BETWEEN ME AND SOUTHWEST RECOVERY SERVICES. I have not conducted any business with this company. PLEASE PROVIDE THE CONTRACT.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX & XX/XX/XXXX Capital 1 inquiry 's on both dates were not authurized by me, for my credit to be run at those times, or with Capital 1 as a company.
Product: Debt collection

I reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report. 
ACCOUNT NAME XXXX XXXX XXXX XXXX ACCT # XXXX 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. 
they are illegally reporting and I request specifically the alleged original purchase agreement and the agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt is valid. You must show proof that you legally own this alleged debt and that it is accurate and complete. 

I am requesting immediate deletion of all prior reporting made to any consumer reporting agency. XXXX, XXXX, XXXX, and XXXX. You must cease collection efforts until this alleged debt This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX Account # XXXX, Has violated my rights. 

15 USC 1681 : SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S 1605 DETERMINATION OF FINANCE CHARGE : Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 


CREDIT ACCEPTANCE CORP XX/XX/XXXX UNTIL XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

My brother XXXX called in to XXXX to discuss my account, he spoke with a XXXX whom did not properly authorize the account, provided my brother with my account balance, next payment due date and the apr of my credit card account.
Product: Checking or savings account

On XXXX XXXX truist put my funds on Hold from a check that was mobile deposited, a few days maybe a week later truist closed my account the bank sent my check of XXXX back to the treasury as a Returned deposit item, on XX/XX/year> even with my account being closed the treasury manage to verify my funds and even sent the money back to my truist account, truist sent me a letter explaining thats its was credited to my account the check was originally sent back, Now Ive been calling truist all week trying to resolve this issue and part ways with a my funds that was credited. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found several accounts that were not mine. I am not sure if my information was stolen but I reached out to the credit bureaus and even the companies that were not mine but with no luck. I wrote letters and submitted documents to prove the accounts were not mine but the accounts are remaining. I also filed a complaint with the Federal Trade Commission but I am getting no resolution. I am listing the accounts below Account : Dates : Amount : Account : Dates : Amount : Account : Dates : Amount : Account : XXXX XXXX Dates:XX/XX/XXXXAmount : {$720.00} Account : XXXX   Dates:XX/XX/XXXX Amount : {$1500.00} Account : XXXX XXXX  Dates:XX/XX/XXXXAmount : {$8700.00} Account : XXXX XXXX Dates:XX/XX/XXXX Amount : {$100.00} Account : XXXX   Dates:XX/XX/XXXX Amount : {$30000.00} Account : XXXX XXXX Dates:XXXX Amount XXXX {$29000.00} Account : XXXX XXXX Dates:XXXX Amount : {$40000.00} AccountXXXX XXXX XXXX A DatesXXXX  Amount : {$1500.00} Account:09 XXXX XXXX XXXX XXXX XXXX   Dates:XX/XX/XXXXAmount : {$12000.00} Account : Dates XXXX Amount :
Product: Debt collection

No signature on any of the documents or proof this debt belongs to me.
Product: Money transfer, virtual currency, or money service

I added money to my PayPal account and later went to atm to withdraw funds. The funds never dispensed. I contacted PayPal XX/XX/XXXX they stated they would have to file a dispute and provisional credit would be given. Once they provided the credit they limited my account on XX/XX/XXXX said I would have to wait 180 days to get my money. I called XX/XX/XXXX to try and see if the hold could be lifted early because I am going through a hardship and really needed my money. The agent said no in case a customer has a dispute I informed her there was no customer interaction on my account I personally added those funds via cash at my local XXXX so who would be disputing Me. As of today XX/XX/XXXX the credits are final and no longer a provisional credit and I would like my funds released as soon as XXXX   because its my money!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account added to my credit report that is not mine. The account was never opened by me. I have never had any BOA accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX a natural person/consumer noticed i had identity theft on my recent credit report XX/XX/2022. Along with other things that were incorrect such as name addresses and employment. I filed a FTC report on XX/XX/2022 and have not got any type of response from XXXX, XXXX, Equifax and XXXX.