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

On XXXX XXXX I wrote to XXXX, Equifax, & XXXX in regards to them saying I owe XXXX XXXX XXXX {$480.00} & $ XXXX.Also, I wrote Equifax about XXXX XXXX stating I owe them {$18.00} being reported inaccurate as well on my credit the same days for the XXXX XXXX XXXX. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XXXX XXXX I received a itemized bill instead of evidence bearing my signature. So on XX/XX/XXXX I wrote XXXX, Equifax, & XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/XXXX they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. An to my surprise I see several inaccurate inquiries reporting on my credit report file from XXXX from XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XXXX XX/XX/XXXX. I inform them I dont recall these companies authorizing to pull my credit file. Because its making it very hard for me to acquire credit. Equifax as well with unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. XXXX also XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, 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. I would like all this inaccurate information removed immediately off my credit report.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report there is an erroneous amount of errors throughout my report
Product: Debt collection

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: Debt collection

Sent multiple correspondence letters asking the debt be verified under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim is disputed and validation is requested. I have not received any answers and its been months for that reason I would like for it to be deleted off of my Credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. I received an alert for updated status on my credit report regarding a dispute I did on XXXX XXXX XXXX. I had an account showing as charge off, although I didn't owe that account. After disputing early XXXX, on XX/XX/2020, XXXX XXXX XXXX updated the credit bureaus. However ; the charge off status was removed but, the account remained and with a open balance of {$490.00}. I still don't owe that amount. This is an open checking account and it was never closed or charged off, no balance owing. ( I'm attaching copies of bank statements for XXXX, XXXX, and XXXX showing the account without that balance owed. However, Experian and XXXX still is reporting it as such as if it was a revolving credit. XXXX is even showing it as if it was a credit card with a high balance of {$490.00} which is not accurate. This is an open CHECKING account. I have disputed it again from XXXX XXXX XXXX, and Experian and XXXX through XXXX XXXX XXXX. This is affecting my credit score for my debt to income ratio.
Product: Vehicle loan or lease

PNC bank has been the lien holder on my auto loan since purchasing the vehicle in XX/XX/XXXX. I have never refinanced or done anything with the loan, except for moving in XX/XX/XXXX & having to change my address, which was a nightmare getting PNC to even update that. Payments were always made to PNC Bank. Never any other company. I paid off the auto loan with PNC on XX/XX/XXXX. Per the state of Tennessee, the title was to be sent out in XXXX business days. On XX/XX/XXXX, I realized I still never received the title so I proceeded to call PNC Bank to report the issue. They advised it takes them up to XXXX business weeks to process it and that my case was untouched but that it should be resolved by the next week. On XX/XX/XXXX, I again realized PNC Bank failed to follow through on their end as I still hadnt received the title. So I called PNC Bank to get more of their excuses. This time they are saying that they do show I did in fact pay off the vehicle on XX/XX/XXXX but that the title was sent to an XXXX XXXX XXXX XXXX ( Ive never heard of or interacted with them ) in Ohio. And that the date sent to that credit union was XX/XX/XXXX ( the day after I originally called with my first complaint ), but the PNC Bank employee entered on XX/XX/XXXX that the lien was paid off in XXXX. The PNC Bank representative advised she opened a case for them to investigate and get the title issued correctly to me. She said I need to follow back up with PNC Bank in a week. Why cant PNC Bank follow up with me? What excuse and lie will be told next week when I reach out? How do I resolve this to get my vehicle title that was paid off XXXX weeks ago?
Product: Credit card

I had a fraudulent charge XX/XX/XXXX where I ordered an audit with signed accredited auditors. The seller was fraudulent and used false pretenses and false and misleading statements to secure a purchase from me using my discover card. I disputed with DISCOVER and explained how the transaction was to be charged back or reversed as the product was not delivered as promised nor with agreed upon content. DISCOVER is trying to collect this charge which the seller refunded through XXXX as evidenced by the refund photo in the amount of XXXX by XXXX with the transaction numbers. I informed DISCOVER yet they said they can't do anything unless I add documents to the dispute yet they have closed it and won't allow access. This is XXXX XXXX as they are trying to charge me for returned funds and not crediting my account. Theft of my credits from XXXX and XXXX XXXX XXXX. Violation of the credit agreement as they closed my account without going through the mandatory arbitration clause. Unjust enrichment as they are keeping my refund and also trying to charge me those funds. Provide an asset representations review of my account, the money net XXXX transaction log of my account and the full accounting of the public and private side according to the XXXX rules. Provide me my original application without conversion since you have closed my account which is open on the orivate side to pass securities, the interest and principal fron the presentment to the treasury or local fiscal agent per The Federal Reserve Act section 16 1 & 2.
Product: Debt collection

I had two accounts with resurgent capital, they are now paid, resurgent states that when the accounts are paid off, all trademarks will be removed, my two accounts XXXX  and XXXX  XXXX XXXX  are listed as derogatory condition, I have contacted resurgent and they state that there is no such account. This is not true
Product: Credit card

Victoria secret has a tendency to reduce credit limits that affect your credit negatively with no true reason. They tell you they will waive a late fee and they donot remove it from the crdit bureaus or provide the courtesy credit which results in a balance, late payment and an overdue amount. They do not notify the client of balances or updates with credits if it was approved or denied. 

I paid off my balance, I was given a late charge which created a balance followed by another late charage. When I called to discuss this they said that they did nothing wrong by not honoring waiving the initial late fee which resulted in the second fee though i discussed this with a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I trust that you can help me quickly resolve inaccurate reporting on my credit reports with Equifax and XXXX. Ive worked with both agencies and the inaccurate reporting still continues. 

Equifax and XXXX  are reporting the XX/XX/2020 payment of my XXXX XXXX XXXX as 30 days late. The creditor has said that they did not report the XXXX payment late, as it was received on time. 

A check was mailed and posted by my bank XXXX XX/XX/2020. Please have XXXX  and Equifax report accurate information and remove the 30 day XXXX late payment for the account mentioned above. I need this done immediately, as it is affecting my ability to secure a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX. Please remove these acccounts ASAP.
Product: Debt collection

I am a recovering victim of ID Theft which arose from a stolen wallet in XX/XX/XXXXand on XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 )  unknown accounts on my credit and numerous amounts of inquiries which I did not authorize. 

On XX/XX/XXXX I wrote my first letter to XXXX XXXX XXXX. On XX/XX/XXXX and again on XX/XX/XXXX I wrote to the creditor XXXX XXXX XXXX and informed them that the account was unknown to me and that I requested full validation for the account. Please see the attached letters and proof of mail by certified delivery informing the creditor/agent they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account and th reply from the company, please note the incorrect address that XXXX XXXX XXXX has relating to this account XXXX of which it is unknown to me. 

To determine if this is an issue of identity theft or somebody with the same name as I, I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account therefore, to determine this my request was for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay. 

I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. 

It is ridiculous that it is now over 120 days since my initial request for validation in XX/XX/XXXX, and the only documents sent to me were copies of statements requesting payment. My latest request to XXXX   XXXX XXXX made XX/XX/XXXX is now well over the 30 days time frame as per law and this collection company is out of compliance. 

Under advise, I wish to informed XXXX  XXXX XXXX that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Product: Debt collection

I have been trying to get my mortgage caught up with CHFA 's debt collection company for over two months, XXXX XXXX XXXX Every time I speak with different people, I am told different things, I sent letters and no calls returned.I sent a modification package. Nothing done. I received a letter from attorney two weeks ago. I was told by law firm they ca n't give me information. Call XXXX and they wo n't give me info until I submit letter to reinstate, which I mailed on XXXX and submited by fax. Now I receive a letter from an attorney that they are foreclosing on my property even though I have tried to work with them to catch up my mortgage.Now I am having to do a Notice to Cure with XXXX County. CHFA/XXXX received my check and letter but not deny getting anything else from me!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  XXXX Balance {$240.00}.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have occurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have countless times to have the 3 major credit reporting bureaus to remove inaccurate information on my report. Ive submitted a affidavit with ftc and verified my identity but they still report the same thing which lowers my score and makes it impossible for me to approved for new credit. This covid 19 pandemic has made it difficult enough to obtain credit to pay bills and identity theft is at an all time high. XXXX, Transunion and XXXX  are not following the law and removing inaccurate information nor are they verifying information, please help.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with XXXX XXXX in regards to reporting on my credit report when i had no affiliation with XXXX XXXX and they are reporting late payments on my credit report which is inaccurate as they themselves sent me a letter stating they refused to grant me any credit with them... therefore why are they reporting that i have credit with them. I also wanted to file the dispute with XXXX, Experian, and XXXX... which have not been updated for years now with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 
XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX specific XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank - Installment Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX Automobile Dealers, XXXX XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX XXXXXXXX XXXX Tenant Screeners ( Reseller ) XX/XX/XXXX XXXX XXXX XXXX  personal XX/XX/XXXX TransUnion XXXX XXXX  XXXXXXXX XXXX and XXXX XXXX XXXX  XX/XX/XXXX TransUnion
Product: Credit card

I am a long time customer of Chase bank in good standing and have several of their products. I recently applied for XXXX different cards from Chase Bank on separate occasions, XXXX was co branded credit card, XXXX/Chase bank which I had received an ad in the mail inviting me by name to apply for and the other a Chase credit card. My applications were XXXX denied, despite having a decent credit score. After speaking with a representative about why my applications were denied, I am most concerned by a new hard limit that I understand Chase has implemented recently regarding credit applications. It was explained to me by the Chase representative that if I had more than XXXX new credit accounts on my credit report within 24 months, the application is automatically denied and there is nothing they can do to reconsider any application that is denied based on this rule. Also troubling is that this includes even being added as an authorized user on an account. There was no mention of this when I applied for either of these cards. I feel like this is important information necessary for me to be advised of before hand when making new credit decisions. Applying for new credit is always a calculated risk, since there is always a chance of denial. However, knowing that a denial would have been the only possible outcome, I would have been able to make a more informed decision and would not have applied, having no point loss to my credit score.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And one more thing according to 15 USC 1681s-2 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: Debt collection

I have identified several accounts on my credit report that seem to have been added without my permission, and I believe they are incorrect. I request that they be removed right away.
Product: Credit reporting or other personal consumer reports

Midland Credit Management just appeared on my credit report. I have never heard from or of this company. They posted an unvalidated account on my report without the following... 
1. an account number A past due amount A credit limit 4. A payment amount I don't know where or how they obtained this erroneous account
Product: Debt collection

I went to XXXX XXXX on XXXX/XXXX/2015, to get a root canal. The policy of this dentist office is to pay your bill in full before services are rendered. I signed a contract with the dental office and paid all monies due and requested in full. The dental office for some reason sent my account to a collection agency stating that I owe them {$420.00}. I do not owe them any money. They got all their money upfront. Somebody has made a mistake and I need this corrected.
Product: Debt collection

XXXX XXXX XXXX : XXXX Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization on XX/XX/year>, asserting that I owe a debt of {$360.00} related to account number XXXX XXXX. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 
XXXX. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor. 
XXXX. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
XXXX. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt. 
XXXX. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws. 

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX