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

I am the author of this complaint. I have mailed the attached letters to the CRAs disputing the completeness and accuracy of the following accounts that are reporting on my credit report. I am asking the CRAs to view the attachments and send the results of their investigation to me by mail. The following attachments has already been served via certified mail with a return receipt and I am just further documenting with the CFPB Delete Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Update Late Payments to 100 % paid on time : XXXXXXXX XXXX XXXX XXXXXXXX Delete Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, personal XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Identity Theft Report : On XX/XX/year>, I filed an identity theft report with the FTC, which identified the accounts in question ( tradelines XXXX  XXXX and XXXX ). 

Ongoing Collection and Reporting : Despite the identity theft report, these accounts were not promptly blocked or deleted from my consumer reports as required by the Fair Credit Reporting Act ( FCRA ). Instead, these entries remained on my consumer reports and I continued to receive collection attempts from multiple agencies, including XXXX XXXX, XXXX XXXX XXXX, NATIONAL ENTERPRISE SYSTEMS. These communications lack proper consent and are misleading and violate my rights under the FCRA and FDCPA. 

Violation of Privacy Rights : The unauthorized sharing of my personal information with third parties, including consumer reporting agencies, is a gross violation of my privacy rights. I did not authorize this, and any alleged consent is hereby revoked. 

False and Misleading Correspondence : The fact that I received correspondence from multiple agencies regarding the same alleged debt is both false and misleading, further exacerbating the damage to my credit profile and causing significant stress. 

Inaccurate reporting : The unauthorized reporting of this alleged debt on my consumer report is not only a violation of my privacy but also contains numerous inaccuracies that violate the FCRA. These inaccuracies, documented in the attached screenshots, are causing significant harm to my credit profile and financial well-being.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/year> in regards to this companies contradictory response. The company responded that they verified the accounts with XXXX XXXX and that they are accurate. Who did they speak to verify this information? I have documentation from XXXX XXXX that states that they could not verify the info and it has been deleted from their database. How did this company verify information that is not verifiable?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 

XXXX/XXXX ACCT : XXXX AMT : {$130.00} XXXX  XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

( a ) Attempts to resolve this with offshore assistance are futile ... I was disconnected after requesting, then demanding a supervisor. ( b ) Month after month, I have issues with Cap1 having a friendly digital relationship with my XXXX XXXX XXXXXXXX.. First, I can not efficiently use my online bill pay feature with XXXX due to a cooperative institution to institution relationship. Secondly, XXXX must then cut a check and send it as though this is some small mom & pop creditor. Then the payment of my transactions are greatly delayed. Creating the need for me to call every month and demand they clear a XXXX check so I can use my card. ( c ) Made a purchase with XXXX on XX/XX/XXXX and discovered the hotel was grossly over rated and I should not have been charged this amount of XXXX.. This charge should be disputed as, faulty product.
Product: Mortgage

I have been battling PHH for the past 3-4 months. They keep on saying that I don't have a trust agreement that is in compliance with a reverse mortgage and that XXXX XXXX XXXX XXXX is not a primary beneficiary of my trust. 

XXXX XXXX XXXX XXXX has been incapacitated since XXXX  and the attached durable power of attorney and determination of incapacity are attached. XXXX is also a trustee of the XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX. Everything was prepared by an attorney to be in compliance with a XXXX  ( Reverse Mortgage ), but PHH has been uncoopertive and does not allow me to speak to a manager or their legal department diretly. 

My real estate broker has been assisting me with this matter and feels that I am being subjugated to elderly abuse and discrimination by PHH.
Product: Credit card or prepaid card

Dear CFPB, On XX/XX/XXXX, I have called Citi Bank to resolve issues in regards to late fees and interest posted on my account. I opened the Citi AAdvantage platinum select card in XX/XX/XXXX, and I have made a purchase of $XXXX on XX/XX/XXXX through a method of payment system in a convention center at XXXX XXXX where the payment was charged without my presence on-site. Normally, we provide our credit card information to the convention center before any trade show begins. Basically, I am not aware of whether there are charges or not on the Citi Platinum credit card. The only way I would know is if the banks send me a statement every month. I have credit cards with Citi Bank for over 10 years and I have so many other credit cards with other banks for over 15 years, and I have never made a single late payment because I always receive a statement. However, I have never ever received an e-statement or paper statement from Citi Bank for this Citi AAdvantage platinum select card. Since this is a new card that I applied in XX/XX/XXXX, I did not have any information about who to pay to and where to pay because I did not receive anything from Citi Bank. This is a completely new card that I applied, and I am not aware of anything since the beginning. Until XX/XX/XXXX when I finally received an email saying that my statement is ready. It is then I know that there is a balance of $XXXX since XX/XX/XXXX, and for 4 months of interest of late fees added up to be $XXXX. I contacted Citi Bank in regards to this issue, and they said they have no fault and I have to pay all of the late fees and interests. To me, this should not be my fault either, and I feel I am treated unfairly as a consumer. If this is not the bank's fault, and this is not my fault, why do I have to carry the fees and interest. It is almost $XXXX! This is very unfair to a customer who has always been loyal and responsible. The most important part here is that I have never received a statement and how am I supposed to know who to pay at the first place? This is a completely new account! I have called Citi bank multiple times, and I have spoken to different representatives, supervisors, managers, but they do not want to solve this issue. It is 4 months of late fees and interest charged to someone who has never received a single statement or notification from Citi Bank.
Product: Checking or savings account

On XX/XX/2022 I was scammed by an " XXXX '' support tech. He was very knowledgeable and was able to log into my phone ( take over ) walking me through all the steps. He told my account had a charge of {$990.00} which I did not do. He said someone hacked my phone. He walked me through all my accounts to fix them. He said I needed to log into my Chase account and submitted 2 XXXX payments. The first payment was for {$490.00} and then he actually reimbursed me that. ( Got my trust ) then I sent 2 {$990.00} payments to him. He also stole {$400.00} from my cash app.He also tried to make purchases from my XXXX but that did not go through. He also told me to go to the grocery store and buy 2 XXXX gift cards for {$500.00} each. He would enter in the codes for me and I would get reimbursed on my XXXX account. He stole that as well. He text me from a number and we were texting back and forth trying to fix my phone as well as on the phone. I am so embarrassed I fell for this. I submitted a claim with Chase and they denied my claim because I authorized it. I thought i was just doing a " test '' on the phone with the scammer. ChaseXXXX should reimburse me and will fight this. I have been a long term Chase customer. I desperately need your help! Please and thank you!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information XXXX XXXX has reported on my credit file concerning a loan that has been paid off in full. Despite receiving confirmation via email from XXXX XXXX that the loan was settled, and the vehicle title was mailed to me, they continue to report incorrect information. 

Throughout the XXXX pandemic, XXXX XXXX  repeatedly altered the status of my loan on my credit report, reflecting it as either Filed under Bankruptcy, Charged Off, Deferred due to Natural Disaster, Account Closed, or now, since XX/XX/year>, showing a balance that continues to accumulate interest each month with a higher payment amount. This constant fluctuation in reporting is misleading, inaccurate, and directly harmful to my creditworthiness. 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681, which requires both credit bureaus and furnishers of information, such as XXXX XXXX, to ensure the accuracy and integrity of the information they report. The continued reporting of false and inconsistent information is in direct violation of these provisions. 

Please find attached documentation, including the email from XXXX XXXX confirming that the loan has been paid off and that my vehicle title was sent. I respectfully request that you Delete and Remove from all credit agency 's
Product: Debt collection

Enhanced Recovery Company is in federal violation of 15 USC 1681, violation 15 USC 1692b. ( 2 ) and violation 15 USC 1692d
Product: Checking or savings account

XXXX. I had initiated an ACH transaction to send money from from UFB to my externally linked account ( XXXX XXXXXXXX Checking ) for an amount of {$340.00}. 
XXXX. I had done similar ACH transactions on a monthly basis for similar amounts at roughly the same time of the month. So this was definitely not some kind of security/fraud related issue. 
XXXX. I got an email message from UFB telling me this transaction failed with no reason whatsoever. 
XXXX. I have tried multiple ways to figure out the reason for why this transaction failed including chatting with customer service and sending secure messages. 
XXXX. Every attempt at getting information was met with unresponsiveness. 
XXXX. I initiated a second transaction of {$340.00} ( the amount was deliberately chosen to be different from the original transaction in question ) and I'm hoping that this goes through.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ( US Dept Vets - XXXX ) was paid in full on XX/XX/2020 in the amount of {$610.00} and this account was supposed to be REMOVED from all reporting agencies after payment! Yet XXXX, Equifax and XXXX  continue to report this account as an OPEN, Past Due Collection account after almost a year of being paid satisfactorily! This account is NOT supposed to be reporting! I've mailed in several dispute letters requesting the account to be deleted and its still reporting and inaccurately at that!
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments reporting on the accounts are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting. Remove XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX XXXX****
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of [ XXXX XXXX XXXX XXXX XXXX ] on my credit report. Under 15 U.S.C. 1681s-2, furnishers are required to ensure the accuracy of the information they report. This account is being inaccurately reported, and I am requesting proof of the previous investigation conducted.

Please provide the following within 15 days : 1. A detailed description of your method of investigation.

2. Records of who was contacted, including their name, business address, and phone number.

3. Documentation proving that this account was late.

If you are unable to provide this information, I request that you immediately update the account status to PAID/NEVER LATE and provide me with a copy of my updated credit report reflecting this correction.

Failure to comply with this request may result in further action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute of Credit Reporting Violations and Request for Compensation Dear CFPB Team, I am writing to formally dispute inaccuracies and violations on my credit reports from XXXX and XXXX. These reports contain unauthorized inquiries and account reporting errors that significantly damage my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I demand immediate removal of these inaccuracies and compensation for the violations caused by these erroneous entries. 

Accounts with Violations XXXX XXXX XXXX  Account Number : XXXX Violation : Inaccurate high balance reporting ( {$630.00} vs. {$600.00} limit ), inconsistent utilization percentages, and failure to validate negative reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Violation : Overstated utilization above 102 %, charge-off status reported without proper notification or validation. 
XXXX Account XXXX : XXXX Violation : Duplicate late payment reporting and failure to validate derogatory entries. 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Violation : Charge-off status reported without verification or adherence to dispute resolution protocols. 
XXXXXXXX XXXX XXXX  Account Number : [ Account Number Hidden in Extract ] Violation : Reporting late payments without validation or notice. 
Unauthorized Hard Inquiries The following hard inquiries were conducted without my knowledge or consent and are not tied to any open accounts : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Violations Identified XXXX Unauthorized Hard Inquiries XXXX Accounts with Reporting Errors Compensation Requested Under the FCRA, I am entitled to {$1000.00} per violation. Based on XXXX violations, I am requesting a total compensation of {$10000.00} for the harm caused by these errors. 

Demands for Resolution Immediate Deletion of Inaccurate Information : Remove all inaccurate account details and unauthorized hard inquiries from my credit reports with XXXX and XXXX. 
Updated Credit Reports : Provide updated credit reports reflecting these corrections within 30 days. 
Written Confirmation of Actions Taken : Send a written confirmation of the deletions and steps taken to ensure compliance with FCRA guidelines. 
Compensation Payment : Issue a compensation payment of {$10000.00} as outlined above. 
Notice of Further Action If my demands are not addressed within 30 days, I will escalate the matter by filing additional complaints with regulatory bodies, including the FTC, and pursuing legal action for damages exceeding the requested compensation. 

I urge your team to address this matter promptly to prevent further harm to my credit and financial standing. 

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

In accordance with the Fair Credit Reporting act, US Department of Education/ account # XXXX, US Department of Education/account # XXXX, DEPT OF ED / XXXX- account # XXXX, and XXXX XXXX XXXX # ( not shown on consumer report, and only reported on XXXX ) 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 a account without my written instructions
Product: Debt collection

Wakefield & Associates is servicing a medical debt collection claim originating from Medical-XXXX XXXX XXXX XXXX XXXX. The amount in question was {$310.00}, and was originally issued on XX/XX/XXXX. No invoice was received regarding this amount until XX/XX/XXXX, when it went to collections. 

The amount was paid on or about XX/XX/XXXX directly to Medical-XXXX XXXX XXXX XXXX XXXX - NOT the collections agency. 

The most recent date on my credit report is XX/XX/XXXX, with the account noted as " OK ''. As of XX/XX/XXXX, my credit report is still showing the medical debt status as " In Collections '' with Wakefield & Associates. Attempts to resolve and correct this have been unsuccessful. Wakefield & Associates refuses to acknowledge the debt as settled, and it has been this way for 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX
Product: Vehicle loan or lease

I, XXXX XXXX XXXX, have never missed a payment in my life. 
I got a loan from Pentagon Federal Credit Union ( pefed ) back in XX/XX/XXXX. I paid on this loan up until XXXX of XXXX. 
Never missed a payment. 
I made 2 payments in XXXX of XXXX, by and through my savings account with an ACH where the penfed employee used the WRONG account. I record all phone calls, just in case. Now, the ACH made on XXXX, and payments on 5 loans were made on separate loans. That transfer was not honored as the account was closed from fraud, on XXXX. I gave the employee the new account number and thought he used the correct account. It was not. So when i was informed this transfer was not made, i attempted to perform another transfer in XXXX. The supervisor i made this transfer with, called my bank to verify the account was open and contained sufficient funds. After being confirmed that all was good, i was told the funds would be available the next day. I agreed to make the transfer, but the next day the collections area renigged on the agreement. I called 5 days in a row to get the funds cleared. Penfed collections refused to honor the new agreement. I gave penfed a choice of calling my bank, with me at the branch, to clear these funds or i would block the transaction. It was 6 days after the transfer, and i needed to use the difference of the funds for other bills. Penfed said i had to wait 4 more days for them to clear the funds. I said i would cancel the transaction then. This was middle of XXXX now. 
I had to go into the XXXX  on the XXXX of XXXX until the end of XXXX to get XXXX  XXXX removed from my back. 2 rounds of XXXX also. 
While i was in the XXXX, i received NO NOTICE of any kind from penfed. On XXXX, penfed pulled the payments out of the loans, 2 months after the XXXX from XXXX came back in the savings account, not the loans where the payments were made. This is wrong and against the law. Payments in loans, no notice before they charged back plus 2 months after the fact, harmed me irreparably. When penfed acted illegally, my loan status went from current to 3 months past due. Then penfed threatened repossession less than 2 weeks after taking away my payments. Penfed also refused to communicate with me to resolve the harm they created. This is illegal how they created this situation. Penfed has also refused payments. 
This needs to be corrected. 
I am XXXX they harmed me worse than the XXXX i had removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Experian emailed me and informed me that {$6300.00} was charged to a XXXX credit card that does not belong to me. I have sent an online dispute that this is not my credit card, and I never charged {$6300.00} on any of my credit cards.
Product: Debt collection

The name of this agency who is trying to scam me is called : commonwealth financial systems. 
I got a letter in the mail dated XX/XX/XXXX about a debt from XXXX. There was an original XXXX account number and an outstanding debt amount of over XXXX dollars. I never had XXXX in my life. When i called the number on the letter the shady rep was very combattive and insisted that i started an account back in the XXXX. Thats when things got weird because i am only XXXX years old, so in XXXX i wouldve been XXXX. The whole thing made no sense. The rep then hung up on me and i called back and spoke to her supervisor who advised meni need to send my birth certificate to prove that i was underage at the time the account was opened. This company reaks of SCAM. I then called XXXX to check the validity of the collections and they did not have any account with that number.