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

In pursuant to 15 USC 1681i Equifax has violated rights by not reinvestigating my dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than XXXX XXXX words if it provides the consumer with assistance in writing a clear summary of the dispute. If it fails to " follow reasonable procedures to assure maximum possible accuracy '' in preparing the report. The court cited to the XXXX Circuit : " [ XXXX ] ithout a consumer report, there is no duty under the [ FCRA ] to follow reasonable procedures, '' XXXX v. XXXX XXXX! 
Bank XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. 1988 ). 

Method of Verification- Please provide the name and phone number of each of the Debt Collectors Representative listed below so that I can following up with the re-investigation of the inaccurate accounts. 


XXXX Account # XXXX Please See Attached Documentation
Product: Debt collection

XX/XX/year> To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed this debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope you legal staff will agree that noncompliance with this request will result in legal trouble for your company.
Product: Credit reporting or other personal consumer reports

The presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense XXXX  and XXXX while severely impacting my financial stability and everyday wellbeing.
Product: Credit reporting or other personal consumer reports

The information reporting on my credit report is inaccurate and I request it to be removed immediately. 
XXXX XXXX XXXX XXXX Capital one credit card Self lender credit card
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible.
Product: Debt collection

I have been disputing a fraudulent debt of {$1000.00} associated with VyStar Credit Union for the past five months. On XX/XX/year>2024, following the submission of evidence demonstrating that this debt was the result of fraud by VyStar Credit Union, the erroneous account was removed from my credit report. However, inexplicably, on XX/XX/scrub> 2024, the fraudulent debt was reinstated without any accompanying reason or proof that a legitimate investigation had been conducted. 
Since that time, I have disputed this inaccurate reporting repeatedlyover six to seven separate occasionsonly for the debt to be continuously and falsely marked as accurate. Despite numerous requests, VyStar has failed to provide any supporting documentation to substantiate their claims, including a signed contract related to this account, a valid company bank statement, or a 1099-C form alleging that the debt was charged off as bad debt. 
Further exacerbating the issue, VyStar Credit Union has made false representations during telephone conversations, specifically asserting that they never received any documentation from me or from XXXX regarding this dispute. Nonetheless, they continue to mark the debt as verified, despite their own admissions that no paperwork from the credit bureau had been received. This inconsistency demonstrates a complete lack of proper investigation and due diligence on the part of VyStar. 
The initial removal of the debt from my credit report was the correct action based on the evidence I provided. However, VyStar reversed this action without any valid explanation, engaging in a pattern of misinformation, false statements, and continuous back-and-forth that has become both frustrating and damaging. 
Given VyStars documented history of unethical practices, including their failure to conduct thorough investigations and provide transparent communication, I find their conduct in this matter to be both reprehensible and legally actionable. The continuous mishandling of my case, in addition to the false reporting of a fraudulent debt, has caused significant harm to my financial standing. This situation has reached a level where legal recourse is not only appropriate but necessary.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Credit Report Dispute Inaccurate Collection Account Information Dear Experian, I am writing to formally dispute inaccurate information listed on my credit report. The specific account in question is : Creditor Name : XXXX XXXX Account Number : [ Last Four Digits of Account Number ] Balance Reported : {$3200.00} Status : Collection Account Upon reviewing my credit report, I noticed a factual inaccuracy that needs correction. Specifically : 1.Incorrect Status Update Date : The report indicates that the status was last updated in XX/XX/XXXX, but the payment history reflects collection activity continuing through XX/XX/XXXX, which is inconsistent. If the account was updated in XX/XX/XXXX, it should not reflect continued collection reporting past that date. 
XXXX.Payment History Discrepancy : The credit report marks the account in collection for every month from XX/XX/XXXX through XX/XX/XXXX, despite no recent activity or payments on the account. This raises concerns of re-aging, which is not permitted under the Fair Credit Reporting Act ( FCRA ). If the account was sent to collections at a certain point, it should not continue being updated as newly delinquent each month. 

These inaccuracies negatively impact my credit standing and must be corrected immediately. I request that Experian conduct an investigation and, if the creditor can not verify the accuracy of these records, the account should either be corrected or removed from my credit file. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft N/A Account Number : XXXX This is not mine. 

XXXX. Identity Theft N/A Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXXT Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  CARD Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at XXXX XXXX  I attempted to obtain 3 credit reports. The only one I could get was XXXX. Both XXXX XXXX Experian said unable to give report ( s ). No explanation was given. In addition, the XXXX report was only available by using my prior address as my current address ; it would not accept current address of just under 1 year. This is not the first time I've had a problem obtaining the " free credit reports. '' There is always a problem of one kind or another in the past 10 years I have been using the service and I've just given up after the first time contacting Experian by phone and ending up in a lengthy conversation with a representative unable to fix the problem or give an explanation of why the site was not reporting the proper information. I appreciate the " service '' but it's not a service if it doesn't work or is not available. Good PR though. I'd appreciate follow-up on this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed and also tried to use the online system to upload a request regarding unidentified fraudulent accounts as a result of identity theft .... I have had no response via mail and I can't use the online system it will not allow me to upload any documents ... these accounts are fraudulent and need to be blocked and permanently removed from my file I have already sent letters to the credit bureaus on this matter to no avail that's why I am trying this to submit the information here
Product: Credit card or prepaid card

I am an XXXX duty Military member and a holder of the Chase XXXX XXXX credit card. When I first applied for the card I applied to get the annual fee waived under the Servicemembers Civil Relief Act. Chase informed me that because I was on XXXX duty when I applied for the card, I was not covered under SCRA. I recently learned that Chase was now waiving fees for XXXX duty members who applied for the card after XX/XX/2017 under the Military Lending Act. When I called Chase on XXXX to inquire if I could get my fees waived as I am XXXX duty and a holder of the credit card, the military customer service agent informed me this only applied to XXXX duty military who applied for the card after XX/XX/2017. When I further inquired if I could cancel the card and reapply to take advantage of a benefit entitled to all XXXX duty military personnel, I was informed that there is a mandatory 24-48 month duration between closing and opening an account. The fact that new members enjoy this benefit and long standing loyal customers do not seems completely arbitrary and borderline predatory. I would like to see a resolution come about where myself and many other XXXX duty members are not penalized for applying to this card prior to the XX/XX/XXXX enactment date.
Product: Mortgage

I was contacted by Quicken Loans about my mortgage with them in the end of XX/XX/XXXX. They were offering a lower rate for refinancing. My current rate is 3.5 % and they offered 2.75 %. I told them initially I did not want to refinance because I don't believe they are a reputable company and I had issues during the purchase of my home in XX/XX/XXXX. They assured me this would be a simpler process and continued to contact me so I proceed. On XX/XX/XXXX, they ran both my credit and my grandfather 's ( he co-signed the original mortgage ) without permission. They have admitted that they did this without permission. As with my initial mortgage, they would not give me the exact items required for closing. They would request information and once it was provided they asked for more. The final issue was that they requested a 2 year history of my grandmother 's mortgage. My grandmother is not an applicant for the refinance and is not required to give this information. Because we would not give it, they said the process would be canceled, so I was not able to refinance. I believe my initial mortgage process and the refinance included XXXX of race and age. Although we provided all information requested, this company constantly requested " further information '' or information on people outside myself and my grandfather. I believe because of my grandfather 's age, he was targeted and it is the reason for the extensive document request. I also feel like race is an issue because it seems like they were looking for reasons to show that we could not afford the home. They conducted an " investigation '' proving that they did run the credit without permission, however they did not continue the refinance process because of the documents they stated we had to provide.
Product: Credit card or prepaid card

I canceled my XXXX Dollar XXXX XXXX with XXXX XXXX and informed XXXX Citi Bank that I was charged XXXX on X/XX/2017. 
I had cancled my XXXX Dollar XXXX XXXX before the trial period ended. The XXXX Dollar XXXX XXXX is misleading and I revived no monetary benefit past the trial period. 
I had my Citi card reissued prior to this date so XXXX had presented an charge on a closed account number. Citi reversed the charges to XXXX. When I filed an complaint. 
I contacted Citi when the charge reappeared as XXXX had reversed the charge back on to my Citi Card. 
Now XXXX reports a negative statement filed by Citi and my credit rateing dropped some 50 points plus or minus and I was recharged the XXXX, and it was paid on time. 
Citi also reports a account deficIte with XXXX when the balance of my account is paid-off fully every billing cycle.
Product: Money transfer, virtual currency, or money service

I mailed a {$33000.00} business Check from XXXX XXXX XXXX made out to XXXX XXXX. They did not receive the check, lost in the mail, or stolen? This check was cashed on XX/XX/2022 by M & T bank. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX NY XXXX The forged check was cashed with No account number, the name XXXX was misspelled, the signature is not legible. 
XXXX filed a claim in my behalf, nothing has happened in 9 months, according to M & T it's Pending. I tried to contact M & T myself, they did not return emails or calls. M & T has all the infomation from XXXX, this was sent twice.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Identity Theft Dispute Violation of FCRA 1681c-2 & 1681s-2 I am filing a formal complaint against TransUnion regarding fraudulent accounts and inquiries on my credit report. These accounts were added due to identity theft, and I have provided the necessary documentation under FCRA 1681c-2, including my FTC Identity Theft Report.

Legal Violations & Request for Immediate Deletion 1. Failure to Block Fraudulent Accounts ( FCRA 1681c-2 ) TransUnion is required to block fraudulent accounts within 4 business days of receiving an FTC Identity Theft Report. 

The following accounts remain on my credit report despite my disputes. 



2. Failure to Properly Investigate ( FCRA 1681s-2 ) TransUnion must conduct a reasonable investigation under federal law. The presence of fraudulent accounts suggests non-compliance. 




Fraudulent Accounts on TransUnion 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 XXXXXX/XX/year>
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. 

Sun XXXX XXXX amount {$860.00} ; XXXX XXXX # XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX amount XXXX, XXXX and XXXX  XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX XXXX amount XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 15 u.s.c.1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A. 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 information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Apparently this company Kay jewelry or the debt company XXXX XXXX XXXX keeps harassing me with multiple phone calls, threatening to take my car away and to call my employer to garnish all my paychecks 25 % when I clearly asked them not to. I havent had a credit card with Kay jewelry for almost 10 plus years and I have been spoken with someone during that time to pay off my credit card a different debt collection company for {$200.00} every month to help pay for it. I have never heard of this current debt collection from Kay jewelry/ XXXX XXXX XXXX I am constantly being harassed every day with phone calls and threats to take away my car and any kind of property I have. This needs to be stopped because I have paid off my debt and its no longer on my credit debt list
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX XXXX XXXXXXXX which is reporting a charged off account of in the amount of {$18000.00}. XXXX XXXX XXXXXXXX reporting a charge off account once again for amount {$9900.00}. Discover Bank is also reporting charged off in the amount of {$35000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.
Product: Debt collection

I reach out to Citi Bank numerous of times XXXX mail & over the phone, just to ask them to move my old debt thats paid off and almost reach it statue of XXXX years but however, they told me I have to contact the XXXX credit bureaus but the bureaus told me I have to call the company. so today on XX/XX/2022 I called XXXX and I was told i need file a report. I explain to XXXX about the circle I keep going in, yes my debt is paid off but however im asking for an removal off my credit report. XXXX XXXX XXXX keep stating the same thing when reach out to the companies. I feel im not being help right
Product: Mortgage

On XXXX I sold my home which was financed through the service Shellpoint. They charged me over {$8000.00} for a prepayment penalty. After reviewing the provisions of Dodd Frank, XXXX the maximum you can be charged for a prepayment penalty is 2 percent of the principal for a mortgage two years old which is the amount of my mortgage. However, this was a higher cost mortgage and I was not offered another product by the mortgage broker during the time the loan was offered to me. My understanding is that Dodd Frank states in those situations a prepayment penalty can not be charged. The principal of the loan was {$180000.00} at closing. I had to sign the closing document under duress because I was not provided time to contest this prepayment penaltynor I would have lost the sale. The company has given me the runaround and the mortgage broker has done the same thing.
Product: Credit card or prepaid card

I called customer service back in XX/XX/XXXX when I got an email about an upcoming annual fee. I told the representative to cancel my credit card, I wasn't interested in paying the fee. The representative said the fee was for a secured credit card but since my credit card was no longer secure I would not be charged an annual fee. The next month the annual fee appeared on my statement and I called to cancel the card, the representative said they would cancel and that was it. I checked a few days later and was still able to access my account online so I called a third time to cancel my account, the representative said they would. Today I received an email telling me I missed my monthly payment so apparently my calls to close the account have been ignored. I have no balance, the only charge on this credit card is the annual fee and I called several times to cancel the card to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,    2017 I received an alert this morning from  XXXX  and  XXXX  that my complaints against American Credit Acceptance had been resolved yet it has not. American Credit Acceptance is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my credit score a violations of the FCRA. American Credit Acceptance reported that I have balance of {$26000.00}. My balance on the attached statement clearly shows a balance of {$26000.00}, the information on my credit report is false information causing my balance to increase and my credit score to b e impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX, XXXX, and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the following items as soon as possible : 1. XXXX XXXX XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX XXXX Balance : {$0.00} 3. XXXX XXXX Balance : {$0.00} 4. XXXX XXXX XXXX XXXX Balance : {$0.00} 5. XXXX XXXX XXXX XXXX Balance : {$0.00} 6. XXXX XXXX Balance : {$0.00} 7. XXXX XXXX XXXX Balance : {$0.00} 8. XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Reference # : XXXX Liability : {$0.00} 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX - XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX & XXXX XXXX XX/XX/XXXX 23. XXXX  XXXX XX/XX/XXXX 24. XXXX XXXX XXXX  XX/XX/XXXX 25. XXXX XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX 27. XXXX XXXX XX/XX/XXXX 28. XXXX XX/XX/XXXX 29. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that Equifax has failed to respond to my inquiry dispute letter that I sent certified mail on  XXXX   XXXX ,   XXXX  . As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to th e USPS,  Equifax received my dispute letter on  XXXX   XXXX ,   XXXX  .     Please remove the following inquiries from my report as pursuant t o 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connec tion with a credit or insurance transaction that is not initiated by a consumer.       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