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

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXX ( Original Creditor : AAA ) Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked account. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error- therefore. 


According to 15 U.S. Code ( 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.
Product: Debt collection

Doctor bills from XXXX due to XXXX XXXX Im not about to pay and the had XXXX for possible XXXX XXXX. 

I was also in the hospital XX/XX/XXXX thru XX/XX/XXXX for XXXX and Im not able to pay hospital bills.
Product: Checking or savings account

I submitted a dispute w chime, over XXXX transactions. Theyve taken over 20 business days and tell me that Im not eligible for a provisional credit even though the cfpb 1005.11 ( c ) ( 2 ) ( I )
Product: Credit reporting

Please note the reason I am filing this dispute with your agency is because I was unable to locate an option to report the following issue on Equifax 's on-line dispute website. In connection with the possibility of financing a vehicle through my financial institution, the Bank ran a credit report through Equifax on XXXX/XXXX/XXXX. The report reflected a score of XXXX, with reasons stated for such score as : ( 1 ) level of delinquency on accounts, and ( 2 ) too many consumer finance company accounts. Due to this low score, the interest rate I had been quoted before the report results and after the report results was much higher. Needless to say, I was devastated and in complete disbelief as to how my score had dropped approximately XXXX points. My credit score has always been in the XXXX range. I have the upmost integrity in paying my bills timely and take pride in having exceptional credit. The retail company accounts on my credit history have been closed for years with the exception of XXXX credit card I keep open. I understand from my bank that there have been no credit inquiries since XXXX. I obtained my annual credit reports and scores in XXXX, XXXX at which time my score was XXXX. I do not understand why my score has dropped to the XXXX 's since XXXX of XXXX. I adamantly dispute such reporting by Equifax. I am requesting Equifax remove the negative comments it placed on my credit history and reinstate my credit score to a minimum XXXX immediately. Thank you for your assistance with this matter.
Product: Credit reporting or other personal consumer reports

To whom it may concern please be advised my account with select portfolio servicing Inc. is a commercial business purpose loan and should not be reflected or reported on my personal credit report. Please have them remove any reporting on my personal income immediately. Any credit reporting should only be reported on entity
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion regarding accounts that are reporting incorrectly. As of today, they have not responded or fixed the issue. The following accounts are in question : The information presented on the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs to be investigated. Moreover, I know the original creditor XXXX XXXX XXXX XXXX CA, but I have not been contacted by XXXX XXXX XXXX. The Balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Because of these inaccuracies, I dispute the whole account and I insist that you verify the following dates : Date Opened and Date of First Delinquency. 

The information presented for the account XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$140.00} ) is also inaccurate. I bear in mind that the original creditor on this account is a distinct company XXXX XXXX XXXX than the one you indicate. You present erroneous information about the Balance of {$140.00}. You report a higher Balance than the amount I suppose I owe. The problem is that this information is far from truth and I dispute this account, and I also claim a verification of Date Opened and Date of First Delinquency.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX  Account # XXXX  Dear Equifax Dispute Resolution Team, I am writing to formally dispute an inaccurate charge-off entry on my credit report. This error violates both federal regulations under 12 CFR 1026.11 and my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer laws. I request that Equifax take immediate action to delete this inaccurate charge-off entry from my credit report.

Consumer Laws Violated : 1. 12 CFR 1026.11 ( Credit Reporting Accuracy and Integrity ) : According to this regulation, consumer reporting agencies must ensure that all information furnished is accurate, complete, and up to date. The continued presence of this incorrect charge-off, which does not reflect my true credit status, demonstrates a lack of accuracy and integrity in reporting.

2. Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) : This section entitles me to have accurate and complete information on my credit report. The presence of a charge-off that is inaccurate is a violation of this right, as it misrepresents my creditworthiness to lenders.

3. FCRA Section 611 ( a ) ( 1 ) ( A ) : Under this section, Equifax is obligated to investigate and correct or delete any information that is found to be inaccurate or unverifiable. Failure to delete this charge-off is a breach of this duty.

4. Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 10 ) : Any representation of incorrect information, including an inaccurate charge-off, misleads and can deceive potential creditors regarding my true financial position. 

This account does not have an account # listed so how is Equifax validating this account? If this account is not removed I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information reporting on my Experian and XXXX credit report. They are reporting an account in which I do not recognize. XXXX is reporting the account as XXXX XXXX while Experian is reporting it as XXXX XXXX XXXX XXXX. How does this meet FCRA regulations when the account numbers are different? All data furnished should be the same and consistent, but this account is not. I have only 1 closed account with this company, and this is not the account. I am requesting that this inaccurate information is deleted from my credit report immediately. I will attach the inconsistent credit report.
Product: Student loan

My Interest is very high for this loan. It just seems that I was misled and not properly educated on the interest rates of this loan.
Product: Debt collection

I received a summons to appear in court on XX/XX/24 at XXXX for an American Express Credit Card bill that I owed in the amount of {$2200.00} I showed up but was told that court would not be in session that day. The clerk said that I would be notified of the next session but I never was. A few days ago I received a notice from XXXX XXXX saying that they would be taking the money out of my account on XX/XX/24. I did not get to have my day in court and it was not my fault. The law firm handling the case is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Phone XXXX Attorney XXXX XXXX. XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ext. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The address indicates on my background report is incorrect on date XX/XX/2017 in XXXX county which I never live there.
Product: Credit reporting or other personal consumer reports

XXXXl XXXXXXXX | Spark Business Account # : XXXX XXXX XXXX XXXX In accordance to the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card

I Have Previously tried to reach out to this company to get this issue resolved and no one has acknowledged my request please take immediate action to correct this issue
Product: Credit reporting or other personal consumer reports

Credit of XXXX XXXX XXXX date stated XX/XX/2023. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debit, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts & Inquires reporting on my credit 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 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 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 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 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

Company keeps calling and asking for another family member that does not live with me, nor am I responsible for his actions. 

XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Account Information XXXX  XXXX To Whom It May Concern, I am submitting this formal dispute regarding inaccurate information reported by XXXX XXXX to the credit bureaus, which I believe is directly related to my status as a victim of the XXXX XXXX breach. As a result of this breach, my personal and financial information was compromised, leading to the reporting of an account that I did not authorize or open. 

The inaccurate information has been reported to XXXX, XXXX, and TransUnion and is causing significant harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I am requesting that XXXX  XXXX conduct a thorough investigation into this account and provide documented proof of its legitimacy. If validation can not be provided, I demand the immediate removal of the account from all credit reports. 

As a victim of the XXXX data breach, I am deeply concerned about the security of my sensitive information and my ongoing risk of identity theft. I also invoke my rights under the Gramm-Leach-Bliley Act ( GLBA ) to ensure that my financial data is safeguarded and handled appropriately.
Product: Vehicle loan or lease

I started my contract with Westlake FinancialXX/XX/XXXX. The opening balance was {$20000.00} with an annual APR 23.99 % and a loan term of 72 months. I have a simple interest loan with interest incurred daily at a rate of {$12.00}. On XX/XX/XXXXI requested the payment due ( {$530.00} ) be deferred. I confirmed with XXXX XXXX that my payment would n't change and was told it would create a balloon payment with interest at the end of the loan. I confirmed that it was okay. Upon my request a document was sent to my email for me to electronically sign. In the document it says " You understand and acknowledge that the referenced extension shall result in additional interest being assessed on you account. Therefore, at the end of your scheduled term, there will be a balloon payment. '' I continued to make regularly scheduled payments XXXX XXXX. With a then balance of {$19000.00}, this balance remained from XXXX XXXX to XXXX XXXX with a total interest of {$4800.00} being paid. I spoke with a customer service individual XXXX XXXX, XXXX who confirmed that my monthly amount applied towards interest is {$370.00} and {$160.00} towards principle. After careful review of the payments and charges on my account I have found that there has been several payments that I made that were only applied to the interest. I have paid a total of {$8600.00} just in interest. You will see in the attached documents that I have gone several months with an unchanging balance amount. My current balance {$19000.00} has remained the same since XXXX XXXX. The conversation on XXXX XXXX, XXXX with XXXX XXXX discussed the details of a deferred payment. I was told that the principle amount was the only payment that was coming from the balloon payment at the end of the contract. Interest is added from the last time you pay until the next time you pay when you defer the payment. For example, I deferred my payment XXXX XXXX, interested accrued at {$12.00} per day from XXXX XXXX until XXXX XXXX when I made my next payment. I am very confused because I feel as though I am not getting anywhere. Refinancing is not an option with this financial institution nor with any other because my car is worth less than owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated my account to reflect my name change after marriage which is causing a serious issue with my time-sensitive mortgage application. Their website does not give an option to do this, and on their website they say not to worry, that lenders will be able to identify you through other information. This is not true, and neither lender I have applied with is able to pull my credit report from Experian. I have tried every phone number and option I can find and have been provided for Experian, but the automated system continues to take me to dead ends until it eventually hangs up on me. It is impossible to contact them to update my name, putting my mortgage and earnest money in jeopardy.
Product: Checking or savings account

I am trying to find out why Chase is holding my funds past the law that is provided by the government on check deposits. They repeatedly tell me they can hold it for 7 business days because they feel like it. It has now been 10 days ( 6 business days ) and still they will not give me access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted all three credit bureaus and told them to verify my credit report and they stated everything was accurate. I've done a thorough research myself and found improper inaccurate even after they did their research. I've sent vs certified mail on XX/XX/XXXX and XXXX XXXX about late payments that were paid in full already those dates were XX/XX/XXXX and XX/XX/XXXX. They were paid on time. That's affecting my credit score when I'm still an account holder with this company XXXX XXXX as of today XX/XX/XXXX. 
My Account number is ending XXXX Open date was XX/XX/XXXX. 

In accordance with the Fair Act Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On XX/XX/2018 my daughter, XXXX called the customer service number for Chase Bank XXXX to close our joint checking account because me moved to North Carolina where there are no Chase Bank branches. The balance in the account was {$2500.00}. XXXX advise the representative of our new address which was different than the North Carolina address they had on file. She was told that we should receive the check in 7-10 days. 

We called Chase Bank again on XX/XX/2018 because we had not received the check and were advised they had mailed the check to the wrong address. When we advised the representative ( XXXX ) we were told that we'd need to go into a branch and complete some paper work for a lost/stolen check. We advised the representative that there are no Chase branches in the state of North Carolina we were told that we'd have to go to the nearest branch which is XXXX miles away. I was told they could not do anything further. I asked to speak with a supervisor and was told the supervisor would tell me the same thing. I insisted and was transferred to " XXXX '' who advised me that he could submit a research request on my behalf on the check. I advised XXXX that I know that we did not receive the check, and that we would not receive the check because they mailed it to the wrong address. I asked if they could place a stop payment on the check and reissue another check in its place and mail it to the correct address. XXXX advised me that he would " take care '' of if for me and I should receive the check in about 7 days. 

On XX/XX/2018, I called Chase at XXXX to advise them that I still had not received the check. I was told by the representative that the check was processed on XX/XX/2018 and I should have received it on by XX/XX/2018, but because of the Labor Day Holiday on Monday, XX/XX/XXXX it would take an extra day. 

On XX/XX/2018, I called Chase at XXXX and spoke with representatives XXXX then XXXX who advised me that they would have to submit a research request and someone would call me back that day ( XX/XX/XXXX ) On XXXX XXXX, I received a call from XXXX at Chase Bank who advised me that they had received the check back. I asked what happened to the other check that they processed on XX/XX/XXXX and was told there was no other check issued. My next question was, why would all of your other representative lie to me about mailing out the check? Which she only apologized for. She advised me that because the amount of the check was more than {$1000.00} that I would have to complete affidavits. I asked why since they already had the check in question in their possession. She told me that she would personally take care of it and get back to me.
Product: Debt collection

XX/XX/XXXX went into contract with XXXX for home internet device. 

XX/XX/XXXX In store, XXXX XXXX, VA. I cancelled service and was advised return label for router will be mailed to me to ship box back to XXXX 

XX/XX/XXXX Still no return label. I received a service disconnect notice. Call made to XXXX. No help. 

XX/XX/XXXX Still no retun label. Called XXXX. Return label emailed. I shipped router. 

XX/XX/XXXX I see addition to my credit report. Multile contacts made to XXXX. Was advised account was never cancelled and I was continued to be billed. Rep confirmed router via shipping label and id #. He advised it will be handled. Confirmation emailed requested. 

XX/XX/XXXX A settlement offer was sent by IC System for 50 % off a {$84.00} balance from XXXX. 
XXXX made to XXXX no help. 

XX/XX/XXXX I was advised by XXXX. Unable to access my account. Due to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXXXXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Received a text message approximately on XX/XX/XXXX from Bank of America asking for authorization for a credit card. Then a credit card arrived with a {$20000.00} credit line that I never applied for.
Product: Mortgage

Wells Fargo is a trash company who put my mortgage in forbearance when no one asked. I've been paying my mortgage on time and in full every month and when I try to refinance my mortgage away from that horrible company, the new company gets a message that my loan is currently in forbearance. I did not ask for or even hint at needing one, yet they still decided to do it without my consent. Wells fargo needs to learn about consent because it's not the first time they have issues with that. Now I have to waste my time fixing their stupidity. Worst mortgage company out there!