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

I reviewed my credit report and found billing errors under 15 U.S. Code 1666 ( b ), including : Failure to properly reflect payments/credits. Calculation or accounting errors. Lack of 21-day notice before the due date, so late payments shouldnt apply. I request proof from the creditors records that I missed a payment and was marked late. Please correct or remove these errors immediately, or I will pursue legal action under 15 USC 1681n. Despite previous disputes, the following errors remain : XXXX ( XXXX ) - late dates incorrectly reported in XX/XX/year> and XX/XX/year>. XXXX ( XXXX ) - update payment status to " Pays as agreed. '' Please address these promptly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request further clarification and reinvestigation regarding accounts appearing on my credit report. After previously disputing these accounts and providing supporting documentation, I was informed that the accounts were verified as accurate. However, I am concerned about the method of verification employed by your agency. I would like to understand : XXXXWhat specific steps were taken to verify these accounts? 
2.Was contact made directly with the creditor ( s ), and what documentation or evidence did they provide to substantiate the claim that these accounts are legitimately associated with me? 
XXXXWere any third-party databases or external records consulted in the verification process? 

Furthermore, I have been informed by the creditors associated with these accounts that the accounts were actually erroneous. This appears to be a case of erroneous data consolidation. The improper association of these accounts with my personal credit file is causing significant harm to my credit standing and financial well-being. 

Given the severity of this issue, I request that your agency : XXXXConduct a thorough reinvestigation of the disputed accounts, including direct communication with the creditors regarding the possibility of mixed files. 
XXXXProvide me with all documentation and evidence used to verify the accounts, including any communications with the creditors or third-party data sources. 
6.Correct and remove any inaccurate or unverifiable information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

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

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I settled the debt with the third party in which the third party deleted the trade line, however the original creditor did not delete the trade line.
Product: Debt collection

Incorrect credit reporting, no knowledge of this debt. No debt validation and/or verification of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached The FTC says that University XXXX XXXX used a multi-media ad ... of one of my final classes for my XXXX, which is a violation to say the least. ... I don't owe money directly to the school though I owe it to XXXX as I'm sure ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secured credit card with wells fargo for 5 yrs. never late until XX/XX/2019 due to sickness of XXXX and my job slowed downed. I received a 30 day late mark. I told the manager what happened and the reason being, they did not try and help at all. I had 5 yrs of perfect payment history until I got sick. I closed my account in good standing. all I ask was them to remove 1 late payment, they told me no. I don't think thats right. I was a loyal customer. all I ask if this late payment could be removed from all 3 Bureaus. XXXX, XXXX  and XXXX. I would appreciate it alot. Thank you.
Product: Checking or savings account

I am trying to link my account and am bein told that PNC wont allow it! : (
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously ask for a investigation into my credit file because there are account that are not reporting XXXX XXXX please re- investigate these accounts and please hold these companies accountable for inserting incorrect information that is damaging people credit files.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be l have not been able to get help from them for months but I just remembered I could file a report on here as 1 tool they are not doing their job properly and it is effecting me a great deal as used PayPal quite frequently My email linked to my PayPal is XXXX XXXX
Product: Debt collection

Creditors Bureau Associates is trying to collect a medical bill on behalf of XXXX XXXX XXXX ( of which I do not recognize ) and have reported it on my credit and should not be there because medical bills are not lines of credit. Opened XXXX XXXX, XXXX ( of which I had insurance through XXXX or XXXX XXXX XXXX, up until XXXX XXXX I believe ) Amount of {$210.00}. I have asked XXXX and the creditor that they please remove this from my credit as IT IS NOT A LINE OF CREDIT. 

XXXX XXXX XXXX XXXX is trying to collect a medical bill on behalf of XXXX XXXX XXXX ( of which I do not recognize ) and have reported it on my credit and should not be there because medical bills are not lines of credit. Opened XXXX XXXX, XXXX. Amount of {$460.00}. I have asked XXXX and the creditor that they please remove this from my credit as IT IS NOT A LINE OF CREDIT. 

I have also requested XXXX to remove several hard inquiries that I do not recognize and/or did not authorize and they have yet to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. 
I did a thorough search of my own. There are inaccuracies after the credit bureau verification. 
In accordance with the Fair Credit Reporting act the following accounts have violated my rights Name of account XXXX XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX  ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY ACCOUNT # XXXX 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 consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information other than records of convictions of crimes that antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency. 
If the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration regarding the repeated inaccurate reporting of the " XXXX XXXX '' [ Account Number : XXXX ] account on my credit report by Experian. Despite my previous three dispute requests, Experian has continuously verified this account as " Accurate '' without providing documented proof of late payments as requested. 

I am deeply concerned about the disregard for the Fair Credit Reporting Act ( FCRA ) and the lack of adherence to fair and accurate reporting practices. It is evident that Experian 's handling of my dispute does not align with the standards set forth by the FCRA, which mandates that consumers have the right to challenge and VERIFY the accuracy of information on their credit reports. 

I must highlight the discrepancies regarding the " Last Activity '' dates associated with the " XXXX XXXX '' account across all three credit bureaus. Each bureau displays a different " Last activity '' date, which raises serious questions about the accuracy and consistency of the information being reported. 

Furthermore, it has come to my attention that while XXXX XXXX has reported one 30-day late payment to XXXX and Experian, it has reported to XXXX that I have NO late payments. This inconsistency in reporting violates the Fair Credit Reporting Act ( FCRA ( rules, which require accurate and consistent reporting across all credit bureaus. 

Given the seriousness of this matter, I demand an immediate escalation for a thorough investigation into the inaccuracies associated with the " XXXX XXXX '' account. I expect Experian to conduct a diligent and comprehensive review, including providing documented proof of any late payments associated with this account. 

Failure to address this issue promptly and appropriately will leave me no choice but to escalate my complaint to seek legal recourse for violations of my rights under the FCRA. 

I urge Experian to take swift action to rectify this situation and ensure that accurate and fair reporting practices are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a service from a medical facility whom did not bill my insurance correctly. The bill is {$1500.00}. I contacted the medical facility many times and they refused to resend the bill to the appropriate insurance for payment. When I last spoke with representatives form the company, they said it was too late to bill the insurance and have sent it to collections which is negatively reflecting on my credit and hindering me from purchasing a home. 
This account could have easily been paid in full if the medical staff/billing person would have completed the tasks properly to bill the correct insurance.
Product: Credit reporting or other personal consumer reports

I have found inaccurate and incomplete information on my credit report. I have already communicated with you several times via mail but it seems that nothing has been done on your end. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Worldwide asset Portfolio Galaxy is fraud. XXXX XXXXXXXX XXXX and their lawyers back it up. I I discovered over 22 years that I've been paying for a credit card ending XXXX found out XX/XX/XXXX its a bogus account XXXX XXXXXXXX XXXX has sent me and the lawyer the paperwork to prove it. Worldwide galaxy portfolio attorneys are XXXX XXXX in XXXX Michigan XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has put state on my mi taxes Causing Financial ruin. Gave me a nervous break down lots of sleep. now my court case is with the XXXX XXXX XXXX in XXXX XXXX Michigan judge name XXXX XXXX XXXX XXXX She's asking me for a stronger defense because the letter from the XXXX fraud department wasn't anough of a defense .so XXXXXXXX  Attorneys Draft it another letter this time from the lawyers saying that it's been fraudulent and to release the state Lein off Mi state taxes. Worldwide assest has taken {$7000.00} of my taxes and Garnishing wages. in conclusion I did investigation on my own because no one else wanted to help me so right now I'm dealing with Michigan pro legal team the federal government and the governor of Michigan to give me a stronger defense to fight this Portfolios galaxy.. this is fraud I don't know why it has to be over 22 years for me to realize they put a judgment t the judgment on me. I had to investigate this myself so I am asking you to send XXXX XXXX XXXX and question them and Like before in. XXXX give me the answer of why they did this to XXXXXXXX XXXX. Why did they ruined my life for 22 years. No one stepped in sound like a XXXX XXXX case that I got caught up in. I'm asking portfolios galaxy to take the state lien off my Michigan 's taxes so I can be free and go on with my life ian apology Thank you XXXX XXXX. XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be EXCLUDED from a consumers report. The term credit card has the same meaning as in section 1602 ( l ) of this title ( 15 U.S.C ), which is The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress stated ANY card. The credit card is my social security card. This is the credit card that I used to originate EVERY consumer credit transaction thats been reported in my consumer file and my consumer report. 

This Letter shall also, serve as an opportunity to cure the multiple defaults of EXPERIAN in regard to my attempts to have my consumer report corrected, including but not limited to, dispute dated XX/XX/2021 sent via CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, and CFPB ( CONSUMER FINANCIAL PROTECTECTION BUREAU ) Complaint # XXXX Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), which states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, SHALL be EXCLUDED from a consumers report ; I DEMAND THE FOLLOWING INQUIRIES BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER XXXX : XXXX XXXX/XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), 15 U.S.C 1681b ( a ) ( 2 ), 15 U.S.C 1681c-2, I DEMAND THE FOLLOWING ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER XXXX : XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't remember the exact date but I know at least 3 to 4 years ago I had disputed an old account from XXXX for {$1800.00} Experian had taken this off my credit report. Now it's back on my credit report and I had disputed again and asked them to show me proof that this account was mines. I would like to see the contract that was signed showing me this I believe this is a fraudulent account. This account was taken off before due to this how can they put this back on my credit report?
Product: Credit card

Citibank claims to have responded to below complaint directly, however, no such reply received. 

As part of a settlement agreement, which Citibank claims it has honored, balance on accounts with Citibank including Bestbuy are to be waived in full. I have not been able to obtain a hard copy of credit report, unable to confirm trade line waiver on credit file, however, my online Bestbuy account currently shows a balance due with past due payment. Further, my attorney has not received settlement payment, due by XXXX XXXX.It appears Citibank has not fully honored settlement agreement. My attorney is now filing or has filed a breach of contract. I've checked Bestbuy account, balance is currently showing {$3.00}, XXXX, past due amount of {$320.00}. as of XX/XX/year>
Product: Credit reporting or other personal consumer reports

I was shocked to find an unauthorized inquiry on my credit report today, and I don't understand how it happened. I regularly monitor my report, yet this time, discrepancies showed up unexpectedly. I tried refreshing the page, thinking it might be a system error, but the unauthorized inquiry remained. This is incredibly frustrating, and I insist that the documents I submitted be carefully reviewed to prevent further distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Report Act This Creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries are on my credit report with out my knowledge and XXXX refused to investigate the inquires
Product: Mortgage

I have never been late on my mortgage payments. Loan number XXXX However, three months ago, l notice a huge increase in my mortgage bill. 
I called them and was told they made an error in my escrow account. l explained that they paid for the insurance bill which l had personally paid for as well. 
I had sent the cheque which was refunded back to me by the insurance company to Bank of America, instead of applying it to my escrow account, l was informed it was applied to my mortgage. They apologized and promised to make amends. 
Presently, the account shows that l was delinquent for both XXXX and XXXX payments. Upon my investigating further, l learned that the account was put in delinquent and reported to the three credit bureaus. Now l received a tax sales letter from the city of XXXX. Several collections calls and a 40+ points decline on my credit score. 
This is detrimental to my job security, as a good credit review is part of my job requirement. 
Please help Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2013 I paid a debt of {$120.00} to Allied Collections for XXXX XXXX XXXX on a product in which I never received. I paid the debt to avoid any derogatory remarks on my credit report again even after I still did not receive the product. 

And now 6 years later when it shows as a derogatory remark on my credit statement and I need it removed immediately.
Product: Debt collection

I had contacted the lender asking for them to remove me from the loan almost a year ago and they said they would get in contact with me that they would have too get it approved.. so here I am waiting and never heard anything from them I have tried everything asking to dispute it from my credit. I was young and XXXX at one time in my life I had a ex the other person on the account we split up and she took the car and jumped town I have not heard anything from her if I was in contact with the car I would have kept making on time payments, I em XXXX XXXX XXXX now and have XXXX kids Im happily married and would like too move on from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/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. 
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I just lost everything i typed and can't deal with this any more. This company is a nightmare. I could cry. It's been a year. 
Please remove personal statement from XXXXXXXX XXXX Please remove XXXX driver reports c completely and notify me and XXXX you've done so noting this was done due to identy theft and the obviously fraudulent account the reports were requested for and that they were not requested by me or on my behalf XXXX RELIES ON YOU FOR THIS INFO AS YOU'VE TOLD THEM THAT YOUR ARE FCRA COMPLIANT AND IT IS YOU THEY HAVE HIRED TO FIND SO THIS STUFF FOR THEM YOUR CUSTOMER. 
I'VE BEEN BEGGING YOU SINCE XXXX PLEASE FILE MY DISPUTES WITH BACKGROUND AND MVR FOR XXXXXXXX XXXX ONLY AND USING XXXXXXXX XXXX ONLY STANDARDS AND NOT XXXX DRIVER PLEASE. PLEASE SEND THE UPDATED REPORTS TO ME AND XXXXXXXX XXXX NOTIFYING US OF THE CURVED REPORTS PLEASE HAVE A HUMAN WITH ABILITY TO MANUALLY UPDATE REPORTS CALL ME SO WE CAN RESOLVE TOGETHER. THIS IS QUICKEST EASIEST AND ONLY WAY. 
PLEASE DO NOT CLOSE THIS COMPLAINT WITH A STATEMENT TO CHECK MY EMAIL AGAIN BECAUSE I DIDN'T EVEN HEAR FROM ANYONE about my cfpb issue last time. All i have in email in is hundreds of computer responses that are not even revelvant to my issue and I would prefer all written correspondence to be throb the cfpb portal. I hope this complaint is not immediately closed as duplicate as it was not addressed at all last compliant and then closed. That isn't fair. Please respond on cfpb portal only.
Product: Debt collection

I received an email from XXXX XXXX XXXX on XX/XX/2022 regarding collecting a debt on behalf of Calvary SPV LLC. I asked them to refrain from contacting me because they did not provide any validation for the debt. I have not heard from them since. I obtained my credit report from XXXX XXXX and it shows that Calvary SPV LLC accessed and put a hard inquiry on my credit report without my knowledge. This was prior to even sending out a notice through XXXX XXXX XXXX. Also, this was done after I put a freeze on my XXXX XXXX as of XX/XX/2022.