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

This is a follow up to previous dispute of the unverified negative items on my credit report. On XX/XX/2022, I mailed Experian a letter disputing 13accounts as erroneous ascertified mail with a return receipt requested. I received notification that Experian had received the dispute letter in the mail onXXXX. I have not received a response from this company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed.

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. 

I have enclosed the original letter Outlining the disputed accounts. 

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ). 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

1.NEVER RECEIVED NOTIFICATION OF DEBT FROM COMPANY. 2. THE CAINE & WEINER COMPANY ACCESS MY CONSUMER CREDIT REPORTS WITHOUT PERMISSIBLE PURPOSE WHICH IS A VIOLATION OF 15 USC 1681b AND ALSO AMOUNTS TO AGGRAVATED IDENTITY THEFT AND FRAUD. XXXX ILLEGILY PLACED UNVALIDATED ACCOUNTS ON MY CONSUMER REPORTS AND ILLEGALLY NOT REPORTIBLE BY THE DEFINITIONS OF THE FCRA, AND SETTLED CASE LAW DEFINING WHAT IS REPORTIBLE AND WHAT IS NOT.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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 which antedates the report by more than seven 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: Credit reporting, credit repair services, or other personal consumer reports

A certified letter was sent to XXXX XXXX XXXX on XX/XX/2019 asking for debt validation. Their letter advised a debt of {$480.00} that they would reduce to {$360.00}, their letter did not have a date in which this alleged debt occurred. Their letter stated " The legal time limit ( statute of limitations ) for suing to collect this debt has expired. '' My certified debt validation letter asked them to advise the SPECIFIC DATE and also stated how can a debt be valid when there is no date associated with it. I can not fight a debt or research this alleged debt without the date of service. This debt is on my credit report. XXXX XXXX XXXX has not responded with a date of this debt. I disputed the debt stating it is illegal for you to make up this debt. My letter to them also stated " Just because you sent me a bill and you specified a dollar amount, does not make it a valid debt. ". " I really feel like this is a joke since how can you provide proof when you can't even state the date this debt is from. ''
Product: Checking or savings account

On XX/XX/XXXX, I checked into the XXXX XXXX XXXX in XXXX, NJ for a room I had prepaid for and booked through an app called XXXX XXXX. The reservation was entirely prepaid, there was no additional costs to pay for the booking of the room. I provided my debit card for the {$50.00} incidental fee. The hotel charged my debit card the {$50.00} fee at the time of check in. 

I checked out of the hotel on XX/XX/XXXX without issue. The next morning, XX/XX/XXXX, I received a notification that the XXXX XXXX had debited {$520.00} from my debit card without cause or explanation. I immediately called the hotel, spoke to a manager named XXXX, and he gave no explanation why the charge occurred, but he assured me they would resolve the issue. I spoke with XXXX XXXX support, they also confirmed with XXXX and the hotel 's General Manager XXXX that the erroneous amount had been reversed. I called XXXX directly and confirmed as well that he had reversed the charge. He and XXXX XXXX gave me several assurances that the charge would disappear from my account within 5-6 business days.

After 6 business days passed, I reached out to Sofi support to follow up on the charge, as it was still there and still marked as Pending in my account. They informed me that the charge would not be released until XX/XX/XXXX, and that there was nothing I can do. 

After consulting with an attorney, I gathered documentation and sent a Demand Letter to XXXX and the XXXX XXXX demanding prompt action on the issue, cc'ing Hotel XXXX and Sofi Support. XXXX quickly responded providing information that documented the reversal of the charges on my debit card. I provided this documentation to Sofi, but they insisted that the issue was strictly a merchant-side issue and there was nothing they could do. 

After communicating with both XXXX XXXX and Sofi, I am still left with these funds on hold, unable to access them ostensibly until XX/XX/XXXX. XXXX XXXX 's position is that they have done all that they can to reverse the charge, and that Sofi is in the wrong by not releasing the funds. Sofi is insisting that they are unable to do anything to release the funds, and that the void authorization number provided by the hotel ( XXXX ) is useless to them and verifies nothing. 

Upon pressing XXXX to verify the void with XXXX directly, I received no help, and the issue is now at an impasse. Both sides blame each other, and claim to be unable to proceed any further. Currently the only option provided to me by my bank is to wait until the hold is released on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

ACCOUNT : XXXX XXXX XXXX XXXX Account numberXXXX Open Balance : {$4900.00} Date opened : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : ( XXXX ) XXXX
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 which antedates the report by more than seven 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: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Balance : {$6700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on two prior occasions to have Equifax correct two entries on my report. XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Both events started in XX/XX/XXXX. I entered into a modification process with both lenders and was told NOT to make a payment during the Mod processXX/XX/XXXXwas modified and returned to current in XX/XX/XXXX.  XXXX was modified in XX/XX/XXXX and returned to current status. The Fair Credit Reporting Act 605 c 1 states Commencement of the delinquency which immediately proceeded the event. The entries of both XXXX and XXXX should be removed from the commencement, XX/XX/XXXX, until they became current. One continuous event. 


Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 4 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX Please investigate and provide, Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX and Equifax, they state serious delinquency on accounts but have been up to date on payments for many years
Product: Credit reporting or other personal consumer reports

To the Filthy Disgusting Entities Operating as Credit Reporting Agencies, a Conglomerate of Corruption making XXXX  profits of Billions of dollars by XXXX  the blood out the veins of ordinary peoples. May the XXXX  profits that you XXXX out of the veins of consumers, come gushing out of your filthy disgusting nostrils, Amen. 

Your handling of my consumer credit report has been a masterclass in negligence and obstruction. I have repeatedly informed you, Experian, that there is an incorrect email address associated with my account. This error has effectively prevented me from accessing my consumer credit report, denying me the basic right to review and dispute inaccurate information on my file. 

When I raised this issue with your representatives, I was assured that the incorrect email would be corrected promptly. Yet, despite your promises, you have failed to make the correction. Instead, you have ignored my messages and obstructed my access to my own credit file. This is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also a clear demonstration of your bad-faith practices. 

But how can you act to rectify the situation when all of as a tactical move by you for me not to be able to have access to my consumer credit report so that you continue to keep and attach Filthy Disgusting items to my consumer credit report.

I demand the following : 1. Immediate correction of the email address associated with my Experian account so I can access my consumer credit report without further delay.

2. A written explanation for why my previous requests for correction have been ignored.

3. Assurance that such issues will not occur in the future, with acknowledgment of your failure to address this matter earlier. 



Experian 's obstructionist tactics not only prevent me from resolving inaccuracies on my credit report but also exacerbate the harm caused by identity theft and fraudulent activity. If you fail to address this issue promptly, I will take this matter further, including legal action, formal complaints to federal and state authorities, and public exposure of your conduct. 

Your continued inaction and evasion of responsibility will not be tolerated. 

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

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on the proof of payment history and any documentation that this account belongs to me. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This is the account that still erroneously reporting on my credit report : SOFI XXXX Date opened XX/XX/2018 Balance-
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 purpo
se, 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

It is undisputed that I cancelled service with XXXX and XXXX in XX/XX/2021. XXXX was still attempting to charge me for service in XX/XX/2021. I called in XX/XX/2021 and confirmed that all cancellations were on file and they issued credits to my account to resolve the balance that never should have been issued in the first place. 

But they continued to seek payment for the same thing after all of those credits were issued. Then they referred the matter to Credence for collection. Credence has been slow to respond and has not removed the negative action from my credit report despite their receipt of documentation showing all of the credits and to support that nothing is owed.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. XXXX XXXX XXXX  Account Number : XXXX equifax XXXX XXXX XXXX XXXX XXXX  Account number XXXX equifax
Product: Credit reporting 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 confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 which antedates the report by more than seven 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: Credit reporting or other personal consumer reports

The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/23, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with XXXXXXXX XXXX XXXX  I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into XXXXXXXX XXXX XXXX  inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible from my transunion report. But if XXXXXXXX XXXX XXXX  is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

all these hard inquiries I dont recognize AND REPORTED : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Due to a misunderstanding my account has been blocked no access since XX/XX/2023 made several calls vistes in person submitted supporting documents trying to resolve this matter it went from bank no access after making several complaints funds finally got released now another department put account on hold asked for documents they were sent now have been waiting in the back office from TD BANK to grant access no response I have expenses that I need as far as CHILDREN to feed RENT and BILLS Ive never been this humiliated in my life over my own money Im reaching out for help I need to access my funds they keep giving me the run around with my account this has been since XX/XX/2023
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was called by a Chase Banking rep saying that someone was trying to wire all my funds out of my bank. Well it happened. I put in a claim with Chase Bank case number : XXXX and the funds went fraudulently out to a XXXX XXXX Banking account in Florida. So far nothing and Chase is saying XXXX XXXX Bank is not responding. This was my savings and all the funds I had. {$6000.00} gone! Chase refuses to update me on the claim or to refund me or do much else. The wires on our accounts are so loosely done with no security protocols in place. When I was with XXXX XXXX  XXXX I couldn't wire funds so easily and I had to call in to verify this wasn't fraud. I want my money back and I want Chase to take some accountability.
Product: Credit reporting or other personal consumer reports

Target credit card continues to report late payments without Consent. The account was fraudulently established in XXXX  during the beginning of the global pandemic of COVID. This company didnt offer any type of relief during this time or validation that they confirmed this account was made lawfully
Product: Credit card

Pls. see the below transactions for history : All Transactions Trans. Date Description Category Amount View XXXX XXXX XXXXXXXX XXXXXXXX XXXX {$390.00} View XXXXXXXX XXXX XXXXXXXX XXXX REVERSAL OF TEMPORARY CREDIT Merchandise {$390.00} View XXXX XXXX XXXXXXXX XXXX XXXX {$400.00} View XXXX XXXX XXXX XXXXXXXX REVERSAL OF TEMPORARY CREDIT Merchandise {$400.00} View XXXX XXXX XXXX  XXXX TEMPORARY CREDIT PENDING INVESTIGATION Payments and Credits - {$390.00} Results Total = {$1200.00} Summary of the Problem : XXXX. My original order was for {$390.00}. - this order was not delivered to my house but to another place. When we got it - the food has spoiled. Called XXXX XXXX and because the orders I needed were no longer available I was told to cancel and order another one -which I did.

2. I placed another order which was disappointingly more expensive but since I needed it for XXXX I did it -- for {$400.00}. 
XXXX. On XX/XX/2022 I got a call from Customer Service at XXXX XXXX that because of the mix up they will make good by sending me another package. I told them I do not need any as I already got my reorder. They sent me another package anyway and unbeknownst to me they charged me {$400.00} which they tell me is outstanding and with the finance charges now amounts to {$520.00}. I have been disputing this so many times with Discover Card and XXXX XXXX but they would not clear it. And now my credit rating has come down.