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

I have sent numerous dispute letters to XXXX about a furnisher /public record named XXXX XXXX XXXX XXXX XXXX XXXX they are reporting on my credit report. XXXX claimed they verified directly with the with Lexis Nexis that XXXX XXXX XXXX XXXX XXXX XXXX that the account belongs to me. I 've requested their method of verification SEVERAL times and each time they just mark as " verified '' without providing me proof of their method of verification with a written reply from the furnisher nor Lexis Nexis ( who  by the way has my account locked ) that clearly states this account belongs to me. These are all clearly stated on all my requests and yet they ignored and just marked it as " verified ''. If my account with Lexis Nexis has been  locked from access how is XXXX able to verify this? I 'm very dumbfounded. 
If XXXX is not able to provide their method of verification to me how do I know this belongs to me and how is this accurate? 

Nonetheless, I made my own request directly to XXXX XXXX XXXX XXXX XXXX XXXX, and my letter was as returned '' ( letter attached ). Now, with my request being returned from the court, how is XXXX and Lexis Nexis able to verify so quickly with the court and mark it as " verified '' and close my dispute? With XXXX XXXX response to my CFPB complaint # XXXX as " verified '' again. How is this all possible and how is this fair and accurate reporting? 

Several creditors, home lenders refuse to provide me credit due to this information and it is very damaging to my score. I 've attached all the letters I 've sent to XXXX and each dispute they 've responded with " verified '', again without providing me information on how they verified this information from Lexis Nexis or the furnisher. 
Again, each dispute I 've sent to XXXX answered as " verified '' without providing me proper " written '' method of verification is a violation of the FCRP 611 ( a ) ( 7 ). This is an intentional false reporting if they are unable to provide me their method of verification. I am making one final attempt to have XXXX correct/delete this information from my personal credit report before I proceed in a small court claims if they are unable to provide me WRITTEN verification on how they verified this directly with Lexis Nexis and/or the XXXX XXXX XXXX XXXX XXXX XXXX. 

I, again will remind XXXX that in a case, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the companies and transunion that had ran my credit without authorization and did not receive a response. After several attempts and weeks of trying to resolved this issue I reached out to the credit bureau and they disputed the inquiry, however the companies did not respond and the credit bureau asked for an extension. I am requesting that these unauthorized inquiries be removed ASAP. All credit bureaus have complied except trans union and continue to report this information without permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting that Equifax wrote me a letter stating they need more information on my ID to complete my request. I requested all debt collection institutions on my credit report connected to the creditor on my credit report and if there was no debt collector institution attached to the creditors I would like to know about it and what is being done for these predators or non-users under the Fair debt collection practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is something seriously wrong with my credit reporting. I have outstanding payment history on all open accounts, yet every 2 weeks my credit score decreases without reason then increases a few days later without reason. Sometimes the increase is lower than the decrease resulting in a slowly lowering credit score. I noticed this happening around XX/XX/2020. Again, these are WITHOUT REASON ( e.g. no past due accounts, no credit usage increase, no missed payments ), so Experian is unable to process my dispute. Examples below. PLEASE HELP ME. 

XX/XX/XXXX - DECREASE by 25 points XX/XX/XXXX - INCREASE by 16 points XX/XX/XXXX - DECREASE by 17 points XX/XX/XXXX - INCREASE by 17 points XX/XX/XXXX - DECREASE by 18 points XX/XX/XXXX - INCREASE by 12 points XX/XX/XXXX - DECREASE by 15 points XX/XX/XXXX - INCREASE by 18 points XX/XX/XXXX - DECREASE by 15 points XX/XX/XXXX - INCREASE by 15 points XX/XX/XXXX - DECREASE by 20 points XX/XX/XXXX - INCREASE by 20 points XX/XX/XXXX - DECREASE by 4 points XX/XX/XXXX - DECREASE by 23 points XX/XX/XXXX - INCREASE by 21 points XX/XX/XXXX - DECREASE by 37 points ( drop from Very Good to Good rating )
Product: Credit reporting or other personal consumer reports

This wheels holding account was always paid on the XXXX Wednesday of each month, the creditor was informed to avoid marks on my credit and apparently they did not attend to my request, I am a XXXX pension from social security. I recognize that there have been some delays due to health conditions of mine and my spouse. Also in XXXX XXXX, a hurricane affected us in XXXX, which left me without basic services such as electricity for 100 days and because of that, some expenses had to be incurred. unforeseen to be able to keep my medical equipment working, which I depend on to be able to sleep, I want those late payment marks removed so that my credit score goes up and I do not appear as a delinquent debtor, since I have to buy a new vehicle and thus have a better interest in financing.I also called customer service to schedule the payment and the customer service staff who assisted me were told the date of payment, which would be the XXXX Wednesday of the month, and they did so on the XXXX Wednesday of the month, therefore, a late payment and also a mark for sending the payment of an account without funds, for these reasons my credit has been affected and due to this inconvenience it is becoming difficult for me to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Last XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX To whom it may concern. I am filing a lawsuit on XX/XX/XXXX against XXXX  and Bank of America. I had tried countless times to dispute the item ..Bank of America account that continues to fraudulently report to my credit. Not only is the account fraudulent but the statue of limitations for the particular debt has passed and yet its still being reported. I have hired an consumer attorney to assist with my lawsuit. ( XXXX XXXX XXXX XXXX ) in XXXX Florida.. My consumer attorney is ( XXXX XXXX XXXX XXXX XXXX I brought him all my dispute receipts certified mail documents. I disputed this account. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In which I have all documents to prove. Also Bank of America continues to report fraudulent account. I have wrote them countless letters asking them to verify debt. Asking for original document with my signature, balance owed, terms and agreements etc.. they have not responded at all.. 

The account is below BANK OF AMERICA Account number XXXX .... 
Recent balance {$15000.00} as of XX/XX/XXXX XXXX opened XX/XX/XXXX You have 24 hours to remove fraudulent and negative account or we will proceed seeking full legal damages
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom it may concern, My name is " XXXX XXXX '', I'm writing request inaccurate items in my credit report need to be removed. According to the Fair Credit Reporting Act, I expect you to complete this verification withins 30 days. 
" Name reported '' XXXX XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Student loans** _XXXX XXXX XXXX Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** _ XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Credit Card** _XXXX XXXX XXXX Opened Date XX/XX/XXXX How there can be XXXX $ monthly payment in a closed account. There are high balance of {$1000.00} when the Amount past due is {$360.00}. This account need to be removed immediately, there is no need to reinvestigate. 
**Credit Card** _XXXX XXXX Opened Date XX/XX/XXXX I never have any financial obligation with this company. Please delete it!!!! 
**Credit Card** XXXX XXXX Opened Date XX/XX/XXXX how there can be XXXX XXXX monthly payment in a collection charge off account. This account need to be removed immediately. There is no need to reinvestigate!!! 
**Credit card** XXXX XXXX  XXXX Opened Date XX/XX/XXXX How there can be $ XXXX  monthly payment in a charge off account. The account balance is XXXX $ when the amount past due is XXXX . Delete it immediately!!! 
**Credit card** XXXX XXXX Opened Date XXXX XXXX, XXXX This charge off account is not mine. Someone intended to put them in my credit report in order to make me pay for something I don't own. In addition, The amount past due is XXXX $ and the account balance is {$770.00}. DELETE IT IMMEDIATELY!!! 
**Student loans** US DEPT OF EDXXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** US DEPT . OF EDUCATIO   Opened Date XX/XX/XXXX This account is not belong to me. I have never receipted any mailed disclosure and early notice before this is listed on my credit report. Please provide payment agree and full documentation about this account or you must delete it in time frame of 30 days.
Product: Credit card or prepaid card

I had a 12 months no interest equal pay program that I was using to purchase a piece of jewelry from my wife at XXXX XXXX. The plan is no interest if you pay all 12 equal payments. I made 11 payments consecutively on the XXXX of every month for XXXX dollars per the arrangment. The last payment of XXXX was also made on the XXXX of the 12 month of the plan. This last payment was made on XX/XX/2019,  the due date using their auto pay system. 

Comenity Bank, XXXX XXXX card issuer, charged me accrued interest on XX/XX/2019 of {$380.00} stating that my account cycled on XX/XX/XXXX and therefore the promo expired before my payment was due. 

I am complaining because not only is this an unfair practice to customers but also because I made all of my payments on time per the schedule and the amounts that they provided me. 

I would like for Commenity to credit my account for {$390.00} and to reimburse me for the minimum payments that were taking from my checking account on XX/XX/19 ( {$30.00} ), XX/XX/2019 ( {$30.00} ), XX/XX/19 ( {$30.00} ) and XX/XX/19 ( {$35.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, OnXX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX I sent three letters of disputes to XXXX, XXXX, and XXXX to remove the collections that was not invalided. I also sent debt validation letters certified to Commonwealth Financial for Account # XXXX, XXXX, along with another Common Wealth Account with no account # to display. ( please remove all ) These accounts were previously deleted in XX/XX/XXXXand reinserted back on in XX/XX/XXXX.Also for, XXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX  accounts # XXXX, # XXXX, an # I also disputed 3 times and sent debt validation letters certified also XXXX Under the Fair Credit Reporting Act I have the right to demand that the documents that they have be disclosed to me since then I haven't received anything by mail at all from the following companys, but yet the information remains on my credit report after a year of me requesting it and disputing this.I simply requested that they send me any documents in my files to verify the accuracy of the accounts and if not I demand them to delete the accounts from my credit reports nothing. But just a letter from the credit company 's stating that the information remains on my file. Under the FCRA 15 U>S>C 1681, all unverified accounts must be promptly deleted.Please delete the accounts from all 3 bureaus ( XXXX, XXXX, and XXXX  ).

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

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$5700.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was involved in an automobile accident and the vehicle was deemed a total loss. I filed a lawsuit and won the court case against the other party. The court determined that I was not at fault for the accident. Consequently, the insurance company paid the remaining balance due on the vehicle. ( I have attached a copy of the police report for reference. ) There is no outstanding balance due and therefore nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I'm preparing to purchase a home and received a copy of my credit report. I noticed a medical account from Choice Recovery, which was originally for {$450.00}, and when I looked, the account is now {$520.00}. " Under the new law, credit reporting bureaus will remove all paid and unpaid medical debts of less than {$500.00} from credit reports, '' I called to inquire why the increase, and I was told by law they could collect more fees. However, they did not receive permission from the courts to add an additional fee. In accordance with the Fair Credit Reporting Act, this creditor violated my rights on many levels. These are a few ; In accordance with Fair Credit Reporting Act, this collection agency has violated my rights. Under [ 15 U.S.C. 1681e ] Compliance procedures ; [ 15USC 1681n ] Civil liability for willful noncompliance and 15 U.S.C 1681o ] Civil liability for negligent noncompliance. For the reasons stated above, I request the collection be removed from my consumer credit report, all three credit reporting agencies ; XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Experian responded to complaint # XXXX. I disputed the addresses that was show on my credit report. Experian states that the addresses do not appear on my current Experian credit report. I have attached my XX/XX/2022 credit report that was mailed to me as proof. I am disputing both accounts that belong to these addresses. If these address are not on my credit report, why are theses account on my credit report. Child Support North Carolina address # XXXX and Child Support North Carolina address # XXXX showing on my Experian credit report. The Fair Credit Reporing Act states that all credit reporting agencies must report accurate information on a consumer credit report. Law 15 U.S code 1681.
Product: Checking or savings account

I found out about the problem with my CITI Bank checking account ( XXXX ) on XX/XX/22. 
I went to nearest branch of CitiBank and found out that my account was hacked. 
The hiker changed all contact information on my account. 
My account was hacked and total {$25.00} was stolen. I submitted the police report on this amount to be refunded. The wire transfer amount was returned by Citi Bank. 
But 4 NOT- authorized XXXX XXXX each of {$500.00} ( on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22 ) ( total is {$2000.00} ) are still not refunded. 
I have been a valued client of Citi Bank for more than 20 years. 
I have never used XXXX from my Citi Bank account. 
The matter is still not resolved
Product: Credit card

At end of loan period Wells Fargo ( WF ) notified customer last payment will be additional interest of {$850.00} plus outstanding balance of XXXX ( Total {$1500.00} ) because payoff was not made in full prior to end date. Note : All payments made on time or early no lateness as agreed.. XXXX ( me ) contacted WF and talked on phone to ( 3 ) different WF Customer Service people about SURPRISE interest. XXXX advised WF this {$850.00} will not be made. Eventually Hi Level Cust Service Mgr agreed loan amount of {$680.00} paid now will satisfy account outstanding balance and close account. This amount had been made previous day XXXX and was agreed as XXXX account balance will be XXXX when payment is received ( mailed previous day ). WF claims payment was received on XXXX  ( processed date I am sure ) and reneges on previous agreement claiming the payment MUST be received the same day offered ( XXXX ). No such fact discussed previous. She lied. Made up condition. Account is paid in full. XXXX XXXX XXXX XXXX'. Asked for confirmation of this or WF can proceed with whatever action. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of, My Identity has been stole a while ago someone was taking my mail out of my mail box I did everything I was told to do and all the things where removed from my credit know they are coming back this is not my debt only thing they showed me was my address that is all i ask them to remove this because this is not my debt. I was not aware of this being on credit
Product: Credit card or prepaid card

I have an active credit card ending in XXXX. Tro prior accounts were closed by me. One neds in XXXX the other in XXXX I canceled and reported the last two as LOST because I had given the card to vendors that at some point did not want to continue paying an " ongoing '' bill pay with them It was understood that once the card is " lost '' and thus closed, the card company would not honor payments if submitted by such vendors. 

To my surprise, the credit card does not stop payments to vendors with prior on going bill pay that has an on going relation. 
when I spoke to Discover about not honoring such payments, they told me their policy is to continue paying regardless if I wished to honor such prior relationships Today I called to cancel ALL my accounts, for I fear they will continue obligating me to pay in closed accounts to vendors, for the DISCOVER policy is to continue paying EVEN if the carte has been noted closed or lost Since I want to close ALL my relationship with XXXXiscover, I asked them to send me an e mail confirming this, and supervisor ID # XXXX ( XXXX   speaking one ) was rude and hung up on me. I fear he won't send me a confirmation of the request, so to document, should Discover keep paying in my name to vendors I refuse in spite of the fact I am discontinuing any business with Discover with any card I have or had, I document this with you and report them for this fraudulent activity. 

It is my feeling that I, the owner of the card should be the one who determines who gets paid and who not, NOT DISCOVER The problem is between me and the business I have payments with. If I do not pay them, let the vendor go after me, but it is totally unacceptable for Discover to obligate me to pay for bills I have determined I refuse to pay, and then, be obligated to Discover to pay for the funds they disbursed to a company refuse to pay. 
Please note, in several occasions, I tried to send an e mail to discover. In their incoming message, it does not say DO NOT REPLY> SO, I write a complaint, send it, and then a while later it returns as DO NOT REPLY> This company is a total waste of time. 
I told t hem I want them to close down ALL cards I have and any payments requested by vendors submitted will not be honored, and not top ay. If thye pay, it is their , which I will not repay. 
I have OVERPAID my card, by {$320.00}, and Discover today said they will send me the $ by US POST. I hope they honor at least that. If not, I will report this AS PART OF THE ENCLOSED GRIEVANCE.
Product: Debt collection

I was paying a traffic fine to the state of New York and satisfied the debt. ACI continued to deduct {$11.00} from my account. I've attempted once to resolve this and just recently sent another request to cease the debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a new auto loan with XXXX. I logged in a month after the purchase, and am certain I enrolled in auto pay, like I have with my three other XXXX vehicles. On XX/XX/20, I received an alert from Experian that I had a 30 day late fee added to my credit report. This really upset me, as I know I enrolled in auto pay. Not only that, but I never received any sort of statement or call from XXXX about being late. I called XXXX 's call center, and the technician clearly did not have the correct information on file. When XXXX responded to my letter, they said I logged into the account in XXXX, and never again. Which would make sense, because I was supposed to be enrolled in auto pay. They also denied the request to remove the late payment, because they said they sent my statements 17-20 days before the due day every month. This is simply not true. I did not get any statement from XXXX, until AFTER I spoke to that technician, and he got the accurate information. This ordeal has caused my credit score to drop 93 points, and has caused a creditor to close a line of credit I use for my business. As a small business owner, it's imperative to have these lines available. This 30 day late payment must be removed, as it is because of a glitch in XXXX 's online portal, and because they did not have the accurate information, as to where to send the statements. Since this issue occurred, it has been resolved. The account is actually enrolled in auto pay, and XXXX has the accurate address on file, and I have received statements in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a business loan from Camino financial on XX/XX/2022 for {$14000.00} XXXX and was told that payments will be reported to XXXX XXXX to help build business credit. Its been XXXX XXXX and they havent reported anything. I tried contacting them through phone and was hung up on. I also emailed and no response and also was blocked from the complaint email. I think it unfair to advertise services and dont offer the service just to hold businesses back. Thanks