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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete the accounts, or inaccurate information, from my file immediately & send me the results to the address.XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Green sky completed a loan in my name fraudulent and sent stuff saying that I signed I did not and they have harassed and threatened and called. Me. They never sent anything or agreed to. The company that did loan for air condo for ex daughter in XXXX XXXX XXXX is responsible for loan. They all fraudulently signed documents have recording from company. They are placing loan that is not mine on me. They are supposed to be directly deducting payment from their bank account
Product: Credit reporting or other personal consumer reports

Account does not belong to me I have never had a XXXX  account in the amount of XXXX  trying to be collected by XXXX XXXX XXXX says the date opened was XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 ContraXXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft pursuant to Section 605B of federal law, which protects against the unauthorized use of my personal information. This situation has caused me significant distress and has impacted my ability to manage my financial affairs. I have taken steps to report this theft to the authorities and to safeguard my identity, including notifying my financial institutions and credit reporting agencies. I am committed to resolving this issue and reclaiming my identity. LexisNexis is reporting fraudulent information to XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report, they did and also stated that everything was accurate. I did research myself and found inaccuracies on my credit report even after they said they did full research. In accordance with Fair Credit Reporting act XXXX XXXX XXXX account # ending in XXXX, XXXX XXXX ending in XXXX, all XXXX XXXX XXXX  Accounts ending in XXXX all have violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I WAS SCAMMED ON XXXX XXXX BY A COMPANY NAMNED XXXX XXXX FOR {$990.00}. THIS COMPANY TOOK ADVANTAGE OF A SENIOR CITIZEN AND THEY REFUSED TO REFUND MY {$990.00}. I TRIED TO REPORT THIS AS FRAUD WITH MY CREDIT CARD COMPANY BUT IT WAS DENIED.I CAN'T GRT IN TOUCH WITH THIS COMPANY. THE CREDIT CARD IS STATING IT WAS DONE TOO LONG AGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTIGN ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.

15 USC 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUTIONS.

15 USC 166B : A CREDITOT MAY NOT TREAT A PAYMENT ON A CREIT CARD ACCOUNT UNDER AN OPEN END CONSUMER PLAN AS LATE FOR PURPOSE.
Product: Credit reporting

lvnv funding is reporting on an account that has been deleted and is at least 7 years old. the original creditor is not even reporting on my credit report anymore
Product: Mortgage

The mortgage company is not applying additional monthly principle payments to the balance of the loan. They are trying to drag out the loan and cost us money. This has happened three months this year. I have had this problem more than three times this year. Attached you will find THIS months issue. A single additional payment of XXXX was made. The amount was too large for them to apply. They ended up trying to pull another XXXX on top of the original amount. They are now trying to charge a bad check fee. Our bank stated that they are consistently having trouble with this mortgage company.
Product: Credit card

On XX/XX/XXXX, I received a notification from a credit monitoring service that one of my credit card limits had been decreased, after looking further I saw that it was Wells Fargo Bank who decreased my credit limit from {$11000.00} to {$8900.00}, leaving me with {$100.00} in available credit. I received absolutely zero written or phone communication warning me of this change. I had available credit and have never once missed a payment or even paid a day late. After speaking with multiple representatives, I was told the letter informing me of this change was sent on XX/XX/XXXX. The letter was sent one day before the change became official on XX/XX/XXXX when my statement closed. This all but ensured I would not have any prior warning and no recourse. They have not been able to furnish any reason why and in fact my credit score was up XXXX points before they made this change, now damaging my credit score I have been working to repair. It was arbitrary at best and cruel and dangerous at worst. To get my credit limit reinstated I am being asked to reapply for a credit limit increase and subject to a hard credit check.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX : XX/XX/year> SSN : XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Dispute of Collections and Charge-Offs on Credit Report : Dear Equifax Customer Service XXXX I am writing to formally dispute certain entries on my credit report, specifically related to collections and charge-offs. This dispute is being submitted under the Fair Credit Reporting Act ( FCRA ), particularly referencing 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1666b. 

The entries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Balance {$720.00} I believe that the information reported is inaccurate because [ briefly explain the reasons for your dispute, such as the debt has been paid, settled, or is otherwise incorrect ]. Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to credit reporting agencies. If the information is found to be inaccurate or incomplete, it must be corrected or deleted. 

Additionally, according to 15 U.S.C. 1666b, creditors must ensure that the information provided is truthful and reflective of the actual account status. As such, I request that Equifax conduct a thorough investigation into these entries and remove any inaccuracies from my credit report. 

I kindly ask that you complete your investigation promptly and inform me of the findings. Should the investigation confirm the inaccuracies, I request that you remove the disputed collections and charge-offs from my credit report and provide written confirmation of such action. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I contacted LexisNexis XXXX and attempted to submit documents to update my personal address information and their site will allow me to upload and submit
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX is with a collection agency Solomon and solomon, on my credit report in XXXX it states account balance XXXX past due amount XXXX. I have made payments in XXXX of XXXX, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/100. The latest report in XXXX states XXXX, how can that be if I made payments and on time. I have tried to call and was on hold for 10minutes, this is before the pandemic.they do not send out any statements and when you go on line there is no account statement, just make a payment. As stated earlier the account XXXX XXXX XXXX XXXX. In my opinion they are not reporting the correct amount and is a reflection on my credit score.
Product: Mortgage

open escrow on XXXX-17 this was a 20 day escrow I paid for appraisal and inspection, seller got termite and hoa inspection done purchased home warranty. On friday XX/XX/XXXX at XXXX I was told I didnt have a loan and I loss the house because I was not fully qualified. I also gave notice to my apartment to be out by XX/XX/XXXX. I had put gas and electricity in my name already as I was told too, purchased a home insurance as well. 

I signed disclosures of rate, had rate locked, amount of all expenses to buy house
Product: Mortgage

I applied for a refinance with Bank Of America, after taking my XXXX Dollar Fee things went down hill from there. I was asked to fax or send by E-mail XXXX documents which I did. I was told the Loan was approved and would be closing soon. After not hearing anything for some time I called and was told the application was closed due to lack of information. I was given a list of information to send which I did several times. I believe Bank Of America is simply collecting Fee 's and stopping all contact in the Loan process. I cant believe the number of Complaints this Bank has against it, almost word by word for XXXX Customers.
Product: Checking or savings account

I filed a dispute with chime and instead of giving me my money back they refused I filed a complaint they ended up refunding me and then closing my account my account never had any issues until I lost money with chime instead of just giving it back the first time I had to file a complaint not only that they lied to me and said my account would be reopened I waited 2 months and my account was never reopened I called to ask why I never got a email they said they made a choice on the matter without consulting my account was closed out of spite chime retaliated against me for wanting my Money back
Product: Credit reporting, credit repair services, or other personal consumer reports

the company Universal Aceptence Corp/ Car Hop they always say that your credit will go all the way up. they say they can help me while them while they have the free will to cotinue calling me emailing me stating if i dont pay they will repo my car or turn off the car. which scared me respect
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Charge-Off Entry from Credit Report Dear Sir/Madam , Creditor : XXXX XXXX . 
Account Number : XXXX Date Opened : XX/XX/year> Amount Past Due : {$300.00} Current Balance : {$300.00} Derogatory Amount : {$1.00}. 
Date Reported : XX/XX/year> Status : Collection/Chargeoff I have identified a discrepancy in the reported information. The Amount Past Due of {$300.00} and the Current Balance of {$300.00} do not align with the Derogatory Amount of {$1.00} reported. Specifically, the difference between the Current Balance and the Amount Past Due is {$6.00}, which is not accounted for by the {$1.00} derogatory amount.

In accordance with Title 15 of the United States Code, Consumer Law Protection, the following legal references support my request : The following legal references support my request : 1. 15 U.S.C. 1681 - Fair Credit Reporting Act ( FCRA ) : Ensures accuracy in credit reporting.

2. 15 U.S.C. 1681i - Procedures for Disputing Inaccurate Information : Outlines procedures for disputing incorrect information.

3. 15 U.S.C. 1681s-2 - Responsibilities of Furnishers of Information : Mandates accurate reporting by furnishers.

4. 15 U.S.C. 1681e ( b ) - Accuracy of Information : Requires accurate information in credit reports.

5. 15 U.S.C. 1692e - Prohibition of False or Misleading Statements : Prohibits false statements in debt collection.

6. 15 U.S.C. 1692f - Prohibition of Unfair Practices : Prohibits unfair practices in debt collection.

7. 15 U.S.C. 1692c - Restrictions on Communication Practices : Limits communication practices in debt collection.

8. 15 U.S.C. 1692g - Requirement for Debt Validation : Requires validation of debts.

9. 26 U.S.C. 6050P - Information Reporting for Canceled Debts : Requires reporting of canceled debts using Form 1099-C.

10. 26 U.S.C. 6041 - Information at Source : Mandates reporting of certain payments to the IRS.

11. 26 U.S.C. 6042 - Information Reporting on Dividends : Requires reporting of dividends to the IRS and shareholders.
Product: Bank account or service

My payment was duplicated via ACH by Sychrony Bank. They will not return funds via ACH. I was told, " We have no process for that. '' ) I was told that they will issue refund check in around 14 days. I asked for it to be overnighted as it was a considerable sum of money ( {$2.00}, XXXX ). I was told there is no process for that either. Really? I find that hard to believe. How is it possible that a bank can not ACH back funds received in error or overnight a check? As far as I am concerned, they are sitting on everyone 's money and holding it hostage. I escalated my request all the way to manager level to no satisfaction. I am a customer in good standing. I pay off my balance every month and this is the best they can do?
Product: Debt collection

NATIONAL CREDIT ADJUSTERS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX The original creditor XXXX  XXXX, sold the debt to a collection agency named National Credit Adjusters, at the statute date of limitations which is 6 years in the state of Tennessee on or before XX/XX/XXXX to collect a closed debt on a resident of New York state. 

Payday loans are illegal in New York State. It is a violation of New York State law to make payday loans in-person, by telephone, or over the Internet. It is also illegal for a debt collector to collect, or attempt to collect, on a payday loan from a resident of New York State. 

According to fair credit reporting practices, a debt collection agency can not report an active balance owed with missed payments on an account that is closed or charged off as open and delinquent. 

National Credit Adjusters has flagged my account as Collections on XX/XX/XXXX Balance {$460.00} Original Creditor XXXX XXXX Opened XX/XX/XXXX Account Status Open Account Date Closed Date of First Delinquency XX/XX/XXXX Under the Fair Debt Collection Practices Act ( FDCPA ). I requested a debt validation, in writing to National Credit Adjusters in XXXX of XXXX and asked to be provided with : Documentation that I owed the debt at some point, such as a contract signed with my valid signature. 

Documentation of any payments made with dates including month and year and the last outstanding action on the debt. 

Documentation regarding the statute of limitations for collection of such a debt in the state of Tennessee after the statute of limitations has passed and account closed. 

Documentation regarding what authority the collections agency has, such as a license in my state of New York to collect a debt as it is classified as a predatory attempt at debt collection which is illegal in New York State as attempting to collect the debt itself from a resident of New York State for a loan which classified as predatory and is illegal in the State of New York. 

National Credit Adjusters replied stating only that the loan was taken out in Tennessee and not New York. Provided none of the documentation requested. Had no legal right to collect such a debt and removed it lawfully from my credit report as requested in XXXX. 

However National Credit Adjusters has flagged my account again for the same debt as Collections on XX/XX/XXXX Balance {$460.00} Original Creditor XXXX  XXXX  Opened XX/XX/XXXX Account Status Open Account Date Closed Date of First Delinquency XX/XX/XXXX Payment Delinquency 24 Months
Product: Credit reporting or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the deletion of these inquiries from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.
Product: Debt collection

If a cosumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I had fraudulent loans put into my name that damaged my credit. Transunion said that I had to sign over 50 % of my patents to XXXX in order for them to fix my credit and said they only care about big companies as I am a peasant. 

Enclosed are the identity theft accounts committed against me by XXXX XXXX XXXX  and XXXX XXXX  Fix my credit immediately and block account or I'll go in and spread some XXXX  love.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20 TransUnion : Factual Data XX/XX/20 TransUnion : Factual Data XX/XX/20 TransUnion : XXXX XXXX XXXX XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20
Product: Credit reporting or other personal consumer reports

Inquiries are not authorized by me, please remove as soon as possible
Product: Debt collection

my complaint is about Hunter Warfield. I am disputing the accuracy of this debt with XXXX. I submitted the dispute on XX/XX/2021 and the collector should have been notified by now that it is in dispute. However, I am still receiving daily calls in an attempt to collect the debt even though it is still in process with the dispute! This should be illegal and I am willing to take legal action against this company.
Product: Debt collection

I had a bill for XXXX XXXX XXXX it was paid this debt collector I.C. system I have no knowledge of them and this bill and cant get them to talk to me. I have called for two weeks straight everyday. 
Amount is XXXX Don't have dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my account that are reflecting inaccurately. 

SYNCHRONY FINANCIAL ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 Please assist with removing the above hard inquiries. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are in violation of the FCRA and Metro 2 Compliant reporting standards and according to FCRA this is a violation of my rights. I checked my report and noticed multiple billing errors under 15 USC code 1666 b billing error - the creditor 's failure to reflect properly, a payment made by the obligor or a credit issued to the obligor. 
The creditor did not notify me 21 days before with a statement so there should be no late payment on these accounts. I demanded to the creditors to see hard solid proof that the accounts were not paid and deemed late because of billing error. These accounts should state paid and closed with no late payments on my credit report. 


XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft issue on my credit report. I have recently discovered that my personal information has been compromised leading to fraudulent activities on my credit accounts. I have taken steps to address these issues including contacting the credit bureaus to dispute these inaccuracies and also placing a fraud alert on my file. Please advise on the next steps to rectify. Accounts inquiries were removed but not the actual fraudulent accounts. This is the account XXXX XXXX  XXXX - XXXX - {$3700.00}.
Product: Vehicle loan or lease

calling on sundays 15 times, noted trying to catch up with them one week paid over 900 $ then two days later trying to strong arm me. im a XXXX veteran, I missed some days of work trying to care for my daughter she was beat robbed and raped, then her mother had a XXXX XXXX .I only behind XXXX $ at this time and bout 4500 more dollars left on this loan .I would like for the phone calls to my sister and me to stop and for them to remove my 30day delquinte charge off my credit report cause if u paying on it then it should be removed.