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

I am writing to formally dispute and request the removal of an unauthorized credit inquiry that appeared on my credit report. I am disputing the reporting from Vervent Inc, XXXX, XXXX and XXXX. Upon reviewing my credit history, I discovered the presence of a hard inquiry dated XX/XX/year> from Vervent , INC that I did not authorize or initiate. I am also disputing unauthorized credit inquiries from XXXX XXXX  dated XX/XX/year> and Revvi dated XX/XX/year>. Per 15 U.S Code 1681 ( b ) Permissible purposes of consumer reports, Except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. A consumer shall notify a consumer reporting agency through the notification system maintained by the agency under paragraph or by submitting to the agency a signed notice of election form issued by the agency. Upon receipt of notification of the election of a consumer under through the notification system maintained by the agency, a consumer reporting agency shall inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency and provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established at the time the consumer provides notification through the system. The inclusion of this inquiry has raised significant concerns as it has adversely impacted my credit score and financial standing. I have attached supporting documentation, including copies of my credit report highlighting the unauthorized inquiry, as well as evidence of my non-engagement with the aforementioned creditor during the stated timeframe. Per the FCRA as a federally protected consumer, I am have opted out of all authorization that I, the consumer, may have given you. Per 15 U.S. Code 6802 all written, unwritten, verbal or non-verbal authorization has been opted out of effectively immediately and indefinitely. I have urged Vervent Inc, XXXX XXXX, Revvi, XXXX, XXXX, and XXXX to conduct a thorough investigation into this matter and promptly remove the disputed inquiry from my credit report. Given the potential implications on my creditworthiness and financial well-being, I requested that this issue be addressed within 30 days to ensure the accuracy and fairness of my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details : Account Name : XXXX  XXXX Account Number : XXXX High Balance : XXXX XXXX {$660.00}, Experian  : {$660.00}, XXXX XXXX {$500.00} Date of Last Verified : XXXX : XX/XX/XXXX Date of Last Activity : XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Date Opened : XXXX XXXX XX/XX/XXXX, Experian/XXXX : XX/XX/XXXX XXXX Owed : {$0.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Late payments noted for XXXX ( 30 days late ) and XXXX ( 60 days late ) for XXXX Despite multiple requests for correction through disputes filed on XX/XX/XXXX and XX/XX/XXXX, the inaccurate information has not been corrected. This failure violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The presence of late payment notations that are demonstrably inaccurate violates this mandate. Additionally, creditors are obligated to send accurate information to the credit bureaus as outlined in 15 U.S. Code 1681s-2.

TILA Violations As per 15 U.S. Code 1666b, periodic statements must be provided at least 21 days before the payment due date. The inaccurate late payment reporting suggests that the creditor may have failed to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the need for creditors to send timely and accurate statements to prevent unfair penalties to consumers, which has not been adhered to in this case.

The continuous failure to address these inaccuracies has caused significant harm to my creditworthiness, affecting my ability to secure credit and financial opportunities.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction within 15 business days.

If this issue is not resolved promptly, I will escalate my complaint to include legal action and additional complaints with other relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Adverse Accounts all have last payment and or activity date of XX/XX/XXXX therefore should have been removed as of XX/XX/XXXX. Trans Union refuses to act as a neutral party and instead is acting as a representative of Creditors by refusing to request that creditor provide documentation to support their claims during an investigative dispute all while expecting the consumer to do so. Trans Union refuses to remove accounts which are seven years past first delinquency because creditor disagrees with my dispute while providing no documentation to support their claim. The last activity and or payment dates are were XX/XX/XXXX. According to Trans Union 's website stating the following : " Collection accounts : seven years after the first delinquency Late payments : seven years from the first late payment, even if you 've caught up and the account is current or closed '' Adverse Accounts are as follows : XXXX Date of last payment/activity incorrect for all above account should be XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union Why do the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Trans Union XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally contesting and urging the immediate removal of a fraudulent account from my credit report. This dispute arises from a case of identity theft, for which I have filed reports with both the Federal Trade Commission and my local police department. The bank has acknowledged the legitimacy of the identity theft report and acknowledged a potential system glitch that may have hindered access to records. They have assured me that the fraudulent account will be promptly removed, as it has been erroneously present on my report for over five years. 
. Furthermore, I have contacted the bank associated with the fraudulent account. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, XXXX  XXXX, XXXX this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX TX XXXX XXXX XXXX Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security XXXX. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my report again, I found several inaccuracies which are once again causing my home loan application to be turned down through XXXX XXXX. I have sent repeated letters to the respective companies, and this is my last attempt before taking legal action. My attorney suggested I send this last letter. I would very much appreciate you deleting the following mistakes on my credit report. Enclosed. you will find copies of the necessary documentation that will correct the information you XXXX have received in error, along with a copy of the credit report in question. The items referred to below and needs to be deleted from my credit report. 

XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ( Closed ) # XXXX I have had my life on hold now for XXXX years trying to fix my credit report. The mortgage professionals at XXXX XXXX XXXX XXXX XXXX, have informed me that need to get these items taken off my credit report as soon as possible, because it is inaccurate and needs to be fixed. 

Thank you for your assistance.
Product: Debt collection

Since the end of XXXX I have been getting harrassing phone calls from collections agencies.Needless to say I have an account that seems to be with three different credit collection agencies. YES!!! I tried calling the original debtor to resolve the matter. They had deemed it a write off. So a five year old debt is with 3 different collection agencies and all three appear on my credit report and I can not seem to get it off. 

However this one company started calling me and leaving messages stating they worked for the courts and were coming to arrest me. What they didn't know is I am of low level law enforcement and told them to stop calling me or I would take legal action. This strategy stopped and then they called introducing themselves correctly but they would call me at my work and on my cellphone three to four times a day. This one particular day in XX/XX/XXXX I received a call at my work where the woman stated she had an important call for me and with my permission she would transfer the call. I accepted the call, a woman came on the phone stating she was attempting to collect a debt. I asked what company she was with and after receiving the name of one of the collection agencies I told her to stop calling me. She hung up the phone abruptly and then my cellphone started ringing immediately after that, I picked up and the same woman from the same collection agency that I just told to stop calling me was on the my cellphone!! She stated " Can I call you on this phone number? '' and immediately hung up. 
I was furious, the nerve. So I sign up with a credit repair company and had them send cease desist letters to all these collection agencies. All but one stopped calling me and its the same rude agency that keeps calling me. Even thou they call once a week they still call use different phone numbers. After realizing the cease and desist letters were not working I decided after I received a call at my job again to ask for a supervisor. I was hung up on five times. When I did reach a supervisor He told me they would NOT stop calling me. He confirmed they received my letter but would not stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft and XXXX XXXX XXXX  closed my account. Once I proved the identity theft XXXX XXXX XXXX  reopened my account XXXX XXXX took this account off the " Closed Account '' list but never restored it to my credit file as an active account. If they restore this account it would automatically increase my credit limit and lower the percentage of credit usage which would dramatically improve my credit score. They obviously are not in the business of improving consumers credit, they exist to lower our score and make it difficult to maintain credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Capital One account that starts with XXXX.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found a XXXXXXXX XXXX  that was previously removed due to fraud place back on my credit report as well as another account that was not authorized from XXXX XXXX XXXX on credit report. I believe my information was comprised in the XXXX Data breach upon checking my social security information on the the website. The two account listed in this report are fraudulent and reporting misinformation on my credit report. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the XXXX XXXX XXXX and obtained a police report # XXXX which both are attached. I also included a Affidavit of Fraud to this letter which I have signed and have had notarized. I have contacted and written several letters and keep getting stall letters. I am attaching my Drivers License and my social security card. The following item does not belong to me and is a result of fraud that I did not authorize : XXXX. XXXXXXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I have not been able to login to the Avant Credit Card website for several months. To pay my bill, I have to call and go through an entire verification process. I have asked each time why I can not login and they say there is no issue. However, from all my devices it says to many redirects and website is not available. They do not send me a statement and I have no idea if the charges are correct and what is on my account. this month I was a week late because I have been on vacation and didn't think about calling for the XXXX minute process of paying my bill. I would like to get a statement so I can review, payoff and close this account. I haven't received that either
Product: Credit reporting or other personal consumer reports

I Have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Please provide Validation for this Debt by SOURCE RECEIVABLES MANAG for {$XXXX}! This Debt is inaccurate! 
Delete immediately! 

PLEASE REMOVE GABLE OAKS FOR {$XXXX} + dollars this account has not been validated nor will company provide validation for accuracy. This account is not accurate and is illegal which goes against my rights. REMOVE IMMEDIATELY!
Product: Student loan

My load was sold to Navient from XXXX XXXX, who I was providing payments too up until I was laid off. I explained repeatedly that I was laid off to those that CONTINUOUSLY called and stated the same situation over and over agin. I was laid off, and could not provide any payments. They had no solution in regards to the situation and I had exhausted for deferment that they offered. I was laid off for close to 24 months. Needless to say, I did regain full time employment. Unfortunately my loan had defaulted. 

I spoke with the same manager, who then stated I had to pay everything in full or face a legal situation. Clearly I could not pay the full loan as I was unemployed for 24 months and could n't pay them, I did n't have THOUSANDS of dollars hanging around to pay them to immediately provide over with this forceful call. He then stated, call family and friends and see if you can borrow a lot of money. 

I did FINALLY reach an agreement with them XX/XX/2016, paid a sum to get my account into current standing and set up a " loan re-payment plan '' through the same company. Needless to say, I did n't receive any documentation on the matter after calling REPEATEDLY to the same manager, and they stated ( after he finally got his manager involved ) that I would not receive anything until the 3rd installment was paid of the monthly amount that was agreed upon. 

Imagine my shock when I was under the impression that I had worked out a payment plan with them to correct the loan, and they hit my credit SIGNIFICANTLY in XXXX 2016, 1.5 months after I paid the sum to get the account in current standing along with a monthly installment. When I called and asked why they where hitting me from " both sides '' ( credit negatively/payments monthly ), they stated they could and that one department does n't have anything to do with the other even though it 's the same company. 

I then called and spoke to the manager who could not provide actual documentation on said verbal agreement, that in other words, even though you are paying us back and set up an agreement plan, we are still going to negatively impact your finances for years to come. They claim they are " trying to help me '' however, I have yet to see them " help me ''. They will continue to negatively impact my credit significantly until I have thousands of dollars to provide to them according to the manager that I spoke too.
Product: Credit card

Bank of America sent me information regarding using a convenience check but made no mention that these checks were subject to a verification process that could result in their cancellation without timely notification, and that my verification of the transaction would still yield a cancellation of the transaction. 

BoA called me asking to verify the transaction which I did over the phone to a customer service representative. I found out later that although I verified the transaction, the transaction still was cancelled by BoA. I was told that the reason for cancelling the transaction was that the my verification occurred hours after the call was initially placed to me, and that the department that needed to verify the transaction was closed, and that the BoA representative I called back to verify the transaction could not contact the necessary office ( it was closed ). I was also told that because I had no signature on file with BoA, they could not verify my transaction and, ultimately, that is why they cancelled my transaction. 

Bank of America then sent me a letter verifying the cancellation with no mention of why this cancellation was occurring. The letter contained a phone number to customer service who explained to me that they had no way of understanding my issue and gave me another number to call which I did. The other number said that they were not the right department and I was transferred to another department I was finally given another number to call. 

BoA is not being transparent with consumers in regards to how they verify transactions and lure customers to use products without being forthcoming regarding the necessity of signature files etc. to verify transactions. BoA is also not forthcoming regarding how to resolve issues with customers as they gave me a number to call that was unable to give me any information and I was explicitly told by the BoA representatives that although I was given their number to call, that they had no information on my case. 

Customer Service Representative XXXX said she was going into file a complaint on my behalf with Bank of America and a letter will be sent to me from BoA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have right to my 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 15 U.S.C 1681c. [ a ] [ 5 ] Section State : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then convictions of crimes which antedates the report by more then several years.

15 U.S.C 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I took XXXX private loans from Citi Bank between XX/XX/XXXX-XX/XX/XXXX. I was an international student then so I was not eligible for federal aid. XXXX of the XXXX loans were sold to XXXX, XXXX continues to be with Citi. This XXXX ( originally a XXXX $ loan ) I still have with Citi has a 6.5 % interest rate. I have been making regular payments since I finished graduate school. On addition, whenever I can, I have made payments towards my principle. However, I just realize that the math does not add up. For instance, though I made a payment of XXXX $ towards my principle XX/XX/XXXX, my balance is still way above XXXX XXXX How could that be given that my original loan was XXXX XXXX I have stayed on top of my monthly payments, and I have made other additional payments, clicking the box that says " apply towards principle ''? Thank you for your help!