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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX Account Number XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY BANK XXXX XXXX Account Number XXXX Delete this account From My Credit Report Personal information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : Credit acceptance keep putting this auto loan on my account. Someone stole my identity and created a fake id and went and bought a vehicle in my name. I have contacted them multiple times and they keep adding this account to my credit report. XXXX  is reporting this fake account on my report. I did not authorize this, I need them to remove it from my account and stop putting it back on there. It's illegal to add false information to credit reports. 


Someone must have created a fake id and posed as me and you all keep putting this account on my credit report. I was a victim of identity theft and this account is a fraudulent account and you all keep placing it on my report. 

I have ask you all to stop placing this account on my XXXX  report. You all are allowed not to lend me a auto loan but you all are violating my civil rights and I will be suing you all if you dont take this account off my XXXX  credit report. I dont ever want to do business if you all dont assist people with fraudulent information and keep insisting that this account is mine. I have never had an account with you all and its illegal to keep adding fake accounts to peoples credit reports. 

Please remove this account before I contact the law and sue you all. I already submitted a identity theft affidavit and you all still wont assist me in removing this fraudulent account or I will be filing a lawsuit against you all. 

Please remove this asap. 

XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. 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 actions are unfair and request investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

This company has refused to cease communication as instructed Under the Fair Debt Collection Practices Act ( FDCPA ), furnishing information to a consumer reporting agency is considered a form of communication, and continuing to report information regarding a disputed debt constitutes a violation of a cease and desist demand by refusing to cease communication furnishing information to my credit report is a medium considered as a form of communication Under FDCPA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX This letter is in reference to the collections account listed on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. 
Furthermore, if at any time during your investigation the above The account is verified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item. 
XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an
Product: Credit reporting or other personal consumer reports

After contacting Equifax directly, informing them that there are some fraudulent inquiries on my credit report that I need removed. They responding saying that the inquiries are factual. 
These inquiries are as follows : XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX It is a violation of my rights for the FCRA for a consumer reporting agency to report information after the fact that I have made them aware that those inquiries are unauthorized and fraudulent. I will include a copy of their response, which did not handle the situation and a copy of my police report, I reported these inquiries to authorities
Product: Checking or savings account

I have come across numerous instances where my venders have not received my payment though it is paid out of my account. On XX/XX/XXXX, I received a message from Regions that a payment I sent in XXXX of XXXX had not been cashed and it was refunded. 
It doesnt seem legal that you are debiting my account for a payment that has not cleared. It creates confusion when my venders question why I havent paid them and your records imply that I have. It also does not seem legal that you charge me for an overdraft on a check that has not cleared. You are using my funds and charging me fees for payments that have not cleared. 
I opened my personal account in XXXX and my business account in XXXX at XXXX XXXX, where I was employed, which through multiple merges is now Regions Bank. I have been an extremely loyal customer for over 40 years but in the past several years, I have asked myself why on multiple occasions. It is not your problem, but business is difficult enough in this economy and you are a liability.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts reporting on my credit report that I have disputed multiple times over the last year and a half. The information has multiple errors and each dispute comes back as verified and updated. Multiple updates have been made and usually updates with even more inaccurate information. After the last round of disputes at the end of XXXX, I wrote contacted Experian by phone asking for a Method of Verification and the person said that I would receive the information either by email within XXXX hours or by mail in XXXX days. I got an email on XX/XX/25 stating the results of the dispute are ready then when I sign into to read them it says they aren't available online. I called the number it listed to inquire about the " results '' and the person told me that I would have to contact the original creditor. I asked them how they would know how they verified the information and they said they don't give that information and said again to contact the XXXX. I stated it was my right by law to ask a detailed method of verification and they would not budge. Transunion sent a letter stating they didn't know what I was asking for even though I sent a detailed letter stating exactly what I was asking for and why and I have yet to hear back from Equifax. The inaccurate information on my credit report is not only inaccurate with many errors it is also different across the XXXX bureaus, so how is it verified as accurate? I will never get that answer from the bureaus that have my entire financial status in their hands. I am requesting that the XXXX bureaus actually review my disputes and delete these accounts, immediately. Such a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my prior complaint through cfpb, CITI cards sent me a letter dated XX/XX/2018 apologizing for the confusion with my account and agreed to uphold our payment arrangement. They advised me that they would be writing my balance off at the end of the year. I went to help my son get a loan for his car and it was brought to my attention that my credit score had dropped significantly, more than 100 points from the 700s to now the 500s. In reviewing my credit report I found that sometime earlier in the year CITI not only dropped my credit limit affecting my credit utilization and credit score, but also started reporting my account delinquent affecting my credit score. I called CITI several times and about a week ago spoke to someone/manager who acknowledged that this should not be happening and he would get corrected. As recently as today, the account is showing 60 days delinquent, which is not the case per our payment agreement. 
I want my credit restored. If CITI is going to write off the debt which will likely affect my taxes, then I do not also want to be hit with the terrible effect on my credit. In the last few months I went from good credit to poor credit which is not reflective of the type of consumer that I am. It is unfair and I don't think that any company should do that to a customer. Really disappointed with CITI cards once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I sent a letter to XXXX, Equifax and XXXX concerning the inaccurate information reported on my credit report by your company. I have sent a letter to each of the bureaus and the account came back verified by YOUR COMPANY. I want to know : how did you verify this inaccuracy? 

I have attached a letter to express of discontent. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, copy of my Social Security Card, a copy of my FTC report and Drivers License is attached for proof of identity
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX was paid off years ago to XXXX. I just received a letter from Jefferson Capital for a XXXX dept of {$630.00}. There Reference # XXXX. They have also put this on my credit report. 

Name on account : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to DISPUTE the following portfolios that your company supplied to one or more CRAs.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, lawfully common adhering of Federal and state reporting laws and or rightness in your docious adhering to the mandatorily utilized credit reporting industrys polices namely the XXXX own XXXX-detailed XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofcongruous abstracts that may else better ensure integrity of assertions placing blame made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably docile reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are fair to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX Account # : XXXX Amount : {$950.00} XXXX. XXXX XXXX Account # : XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Amount : {$570.00} XXXX XXXX Account # XXXX Amount : {$950.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Amount : {$2700.00} XXXX. XXXX XXXX XXXX Account # : XXXX Amount : {$0.00} XXXX. XXXX XXXX Account # : XXXX Amount : {$0.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card. 
Please ensure that these documents are taken into account during your investigation. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past six months.

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections for {$450.00} XXXX  XXXX credit on my consumer report that is fraud and identity and is under a address I have never lived
Product: Credit reporting or other personal consumer reports

Experian continues to report inaccurate information on my report. I have contacted them several times and they continue to send me pre generated emails claiming that the requests are not coming from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX XXXX  XXXX account XXXX XXXX, XXXX XXXX  account 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate and Incomplete Information Under FCRA Dear XXXX, XXXX, and XXXX I am writing to formally dispute the following inaccurate or incomplete items on my credit report. These items do not meet the requirements of accuracy and completeness as outlined under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ).

Below are the disputed items, along with the reasons for my challenge : Midland Credit Management XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Reason for Dispute : Creditor unable to verify I opened this account /account not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Creditor unable to verify I opened this account /account not mine Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute within 30 days. Please ensure this investigation includes contacting the data furnisher to verify the accuracy of the information. If the disputed items can not be verified or are found to be inaccurate or incomplete, they must be deleted or corrected promptly.

Additionally, under FCRA 609 ( 15 U.S.C. 1681g ), I request copies of any documentation you have relied upon in reporting this information, including contracts, payment records, or other agreements provided by the data furnisher. Failure to provide such documentation constitutes a violation of my rights under the FCRA. 

Please send me a written response outlining the results of your investigation and an updated copy of my credit report reflecting any changes made. If you determine that no changes are warranted, I request a clear explanation of your reasoning and copies of any supporting documentation. 

To assist in your investigation, I have enclosed the following documents : A copy of my credit report with disputed items highlighted 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 ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Placed for collection Original creditor name XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter. If I do not receive a resolution within the legally mandated time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies to protect my rights. 

Please contact me directly at ( XXXX ) XXXX or XXXX should you require additional information. 

Sincerely, XXXX XXXX
Product: Debt collection

The account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as XX/XX/XXXX. This account has been delinquent since XX/XX/XXXX. The account has never been brought current. 
Line Item : XXXX XXXX XXXX XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Line Item : XXXX XXXX XXXX, XXXX LLC. Attn : Research Dept., XXXX XXXX XXXX XXXX XXXX FL XXXX I have disputed this information several times with the disputes department at XXXX and XXXX XXXX XXXX. The information will be corrected and then re-aged again. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from Bank of American ( original loan holder ) with the clear first date of Date of First Delinquency as XX/XX/XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XX/XX/XXXX ( XXXX behind in payments ), making it currently 8 years old. This account has continuously been sold and resold. Country Wide Home loan XXXX BOA XXXX XXXX XXXX ; XXXX XXXX XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

EdFinancial reports as late items that date from 2005 or before, when I left the XXXX XXXX at XXXX XXXX. I have taken out NO loans since then. Further, EdFinancial used private lenders before XX/XX/XXXX so all accounts have aged out and should be removed. EdFinancial is reporting these as late, which has destroyed my credit payment history, which actually is impeccable. 
Ed Financial tried to-age these accounts, some of which date from XX/XX/XXXX, in XX/XX/XXXX, when I was working steadily. This is illegal but apparently a common practice of EdFinancial. 

Hence, EdFinancial is not only reporting very old information ( some more than 20 years old ) as current, but they are refusing to remove all edfinancial data from my credit reports at all 3 bureaus. Reporting accounts more than 7 years old is a FCRA violation, but as indicated, all items are from XX/XX/XXXX-XX/XX/XXXXand NO later. Anything else is an attempt to re-age old debts.
Product: Debt collection

This account was behind because i moved from apartment. Did not received letters but started receiving calls. Talked to them and paid off.