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

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 
I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$170.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  : # XXXX, # ( XXXX ) : XXXX, XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, # : ( XXXX ) XXXX, # : ( XXXX ) XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I this am just called once again American Express to try and negotiate the APR rate on my account. I did indeed call again on Friday evening ( XX/XX/XXXX, late ) to try and negotiate the APR rate. To my frustration I have gotten no result at all. On Friday evening XX/XX/XXXX was the first evening I had spent at my address since the Hurricane of Irma. Having no experience with hurricanes the stress of same is the same as trying to negotiate an APR rate with American Express. I have been with Amex for so many years and I have always paid my bills on time until a few years ago, when I was laid off from my job. I did somewhat land on my feet if you will, and the balance is higher than I would like it to be and if I could afford to send them more, I would and they know that too, but I can not. XXXX is a killer and the XXXX of a hurricane and then this complaint are enough to kill anyone and I WOULD LIKE TO HAVE MORE OF WHAT I PRESENTLY SEND TO AMEX A CREDIT TO MY NAME AN OPPOSED TO THEIRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX.
Product: Debt collection

Dear Sirs/madams : I am writing to ask if you can provide any help on my case. 

I am XXXX XXXX XXXX, residing at XXXX XXXX  XXXX, XXXX, GA XXXX. 

On XX/XX/XXXX, through the Seller 's closing attorney 's XXXX XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX, I bought my current house located XXXX XXXX XXXX XXXX, GA XXXX. The transaction was processed and completed by the closing attorney 's office. 

On XX/XX/XXXX, I received an email from the closing attorney 's office to inform that the Seller 's bank may foreclose on my house and asked me to call them. I then called them and they let us know that it was Wells Fargo 's mistake to wrongly calculate the Seller 's payoff balance short of {$6600.00} USD. On XX/XX/XXXX ( more than three weeks after the closing date of the house was XX/XX/XXXX, Wells Fargo sent a notice to the closing attorney 's office to inform that the payoff was short in the amount of {$6600.00} and asked the Seller to pay off. The problem is that the Seller ran away and could not be contacted after she got the money. The closing attorney 's office asked me to contact my title insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, if they could provide any assistance. After emailing back and XXXX, on XX/XX/XXXX, XXXX XXXX XXXX, Assistant Vice President/Southeast Region Claims Administrator, emailed me and confirmed that " my case is a covered matter under the terms of my Homeowner 's Policy of Title Insurance and agreed to pay the amount owed to Wells Fargo for release of their lien against the property ''. I thought the problem has been solved because I could not hear anything more from either the insurance company or the closing attorney 's office. Just late yesterday evening, XX/XX/XXXX, I received a Notice of Nonjudicial Foreclosure Sale of my house and asked to pay Wells Fargo an amount of {$140000.00} USD. The owed current amount is very large and not related to me while I paid off to buy the house legally. I also paid off all kinds of taxes related to the house to the government. It was Wells Fargo 's mistake but they now could not get back the owed amount from the Seller so they are claiming the problem on me and my house and threatening to foreclose. So, would you be able to provide me any help or advise in this case? I enclosed all relevant documents regarding the case for your reference. Your assistance would be greatly appreciated. 

Sincerely yours, XXXX XXXX XXXX
Product: Bank account or service

I believe BB & T is intentionally reordering transactions to cause overdrafts. Let me explain ; We were customers of The XXXX for 5-6 years and we never had problems with our account, but recently they were bought out by BB & T. Since the bank switched to BB & T on XX/XX/XXXX we 've had nothing but problems with both the level of customer service and OUR ACCOUNT in general. We have a business banking account and a personal account and both have been hit with fees totaling over {$600.00} since XX/XX/XXXX. This is after not having any overdrafts the previous XXXX years. The way they 've brought transactions through reminds me of XXXX XXXX XXXX, 6-7 years ago when they were reordering transactions from highest to lowest because they knew they would generate more fees. BB & T is doing the same thing to consumer, now, and they need to punished. I would print off my overdrafts to show you, but I think BB & T charges me for that service too. I would highly recommend you investigate BB & T as word is spreading quickly around XXXX Kentucky- other banks are getting new customers as people close their accounts at BB & T . We 've heard from a handful of different people complaining about the same thing and our credit union has even told us they 're hearing a lot of negative things going on with BB & T. Please do n't hesitate to contact me if you need me to provide more info. My email is XXXXXXXXXXXX and my phone number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting closed and charged-off accounts as having current balance. 

still reporting closed and charged off accounts as current late payments accumulating monthly. 


XXXX and other credit bureaus continue to show a debt for accounts that have been closed and charged-off. They are also showing a debt balance that includes accounts that have been totally deleted. 
I have never applied for credit at XXXX XXXX. They have run my credit fraudulently. Please show contract with XXXX XXXX and XXXX XXXX. 

XXXX XXXX and XXXX are selling closed accounts, selling my personal information to XXXX and XXXX funding. XXXX XXXX and XXXX have not provided my with the 1099c when as requested. They have not provided me with a contract validating the debt. And after reporting this to all parties, they continue to violate my rights, working like a money cartel.
Product: Debt collection

debt is not mine never had a loan with XXXX XXXX XXXX university. i paid everything with my own money
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report there are items to be inaccurate and unverifiable.
Product: Debt collection

Midland Credit Management has been showing in my XXXX report with a debt of XXXXXXXX XXXX 
Obviously, this is an identity theft case that is giving me problems. Your help will be greatly appreciated in solving this matter. 

XXXX XXXX XXXX Email ; XXXX Phone ; XXXX
Product: Checking or savings account

I had Fraud on my bank of America card, high end restaurants and a few other things. 

They also mistakenly put 2 disputes in there and used that as a reason to deny the fraud claim. 

XXXX XXXX XXXX and XXXX XXXX are DISPUTES with the merchant not Fraud. 

Unauthorized charges they decided to claim were " Valid '' and when I did a second review said if I did more my account would be terminated. 

So a client can't report fraud or they can lose their account?? no wonder Fraud is up, they almost welcome it and treat the Victim like the crook. 

They have since deleted the claim off my profile so I dont have a claim number, they are being very under handed here.
Product: Credit reporting or other personal consumer reports

This debt is a charge off, However this is actually considered as income. I did not receive a XXXX in order for this to account as income. This is not a charge off. I am requesting for the American Express accounts to be removed. This is not a debt this is considered income and should not be reported on my credit report.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX please remove fraudulent unauthorized inquiry off my report or provide proof in writing wthin 30 days.
Product: Debt collection

PLUSFOUR INC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$94.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX  # XXXX ) has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I recently checked my credit report and found that Second Round LP was listed as a collection account. I have no clue to who this company is. I have not received any kind of mail from this company. They are reporting unVALIDATED information. I do not know what this said debt is due to lack of communication from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately   XXXX   XXXX  2017    I made the required payment and extra. On   XXXX   XXXX    2017  I made another payment for   XXXX   XXXX  2017   , it was applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about  XX/XX/XXXX    payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX  2017    I reveiwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for sixty days. I called the company again and the representative hang up.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Product: Credit reporting or other personal consumer reports

Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute and Demand for Investigation Under 15 U.S.C. 1666b ( Fair Credit Billing Act ) and 15 U.S.C. 1681i ( Fair Credit Reporting Act ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as provided by your agency. In accordance with 15 U.S.C. 1666b under the Fair Credit Billing Act ( FCBA ) and 15 U.S.C. 1681i under the Fair Credit Reporting Act ( FCRA ), I demand an immediate and thorough investigation into the following accounts : XXXX XXXX  ( Account # [ XXXX ] ) Dispute Details These accounts are being inaccurately reported on my credit file. 
I have not received proper verification that these accounts are reported accurately. 
Experian is required by law to investigate and correct or remove any inaccurate, incomplete, or unverifiable information. 
Legal Basis for This Dispute 15 U.S.C. 1666b requires creditors to correct billing errors and report only accurate account statuses to credit bureaus.

15 U.S.C. 1681i mandates Experian to reinvestigate and delete any unverifiable or inaccurate information within 30 days.

If these accounts can not be fully verified, they must be removed immediately from my credit report. 
Demand for Resolution I request the following actions within 30 days from the date of this letter : Full verification of these accounts, including original creditor documentation.

Immediate removal of any inaccurate, unverifiable, or outdated information.

Written confirmation of the results of your investigation. 
Failure to comply with federal law may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action under 15 U.S.C. 1681n & 1681o, which provide for damages of {$1000.00} per violation plus actual damages, legal fees, and punitive damages.

Please consider this my formal notice of dispute. I expect prompt compliance with my rights under federal law. If you require additional information, you may contact me in writing at the address provided.

Sincerely, XXXX XXXX
Product: Debt collection

Capital XXXX During Covid the conpany decided to close my credit card accounts due to stated not being payed. I reached out to the company about the covid relief payment plan system and was denied access to speak to a representative. During this time minimal postal services individuals was no longer working due to them being cut from their jobs during CoVID https : XXXX As mentioned I tried to communicate with them and they told me go into the banks to verify my information using my ID and during that time I was not able to do so. 

https : //www.capitalone.com/updates/coronavirus/ https : XXXX But for myself they did not I still am being told that I am owed the debt which is understandable but there should have been some type of options avaliable to me as they were for other customers. I also reported this information to Experian for their review and still did not follow up with removing such pretentious items from my credit. 

The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act As stated by Experian in black and white print : Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
Student Loan Information on Accounts : Closed accounts that are still reported as open Inaccurate payment reporting Incorrect status reported Loans listed as delinquent that shouldnt be Loans listed as in default that shouldnt be Individual loans displayed multiple times Loans listed under your name that you didnt take out
Product: Credit card or prepaid card

on XX/XX/2021 XXXX XXXX XXXX of XXXX, CT came to my home to fix a clogged basement drain They stated that the problem was a collasped sewer line and the bill would be between XXXX and XXXX but the price soared to XXXX most because of unnessary work. I was never given a oppurtunity to get a another estimate, for as XXXX was telling me thwe problem as the electric company arrived to draw the dig lines. I was advised that XXXX XXXX XXXX would apply for credit for me. On XX/XX/2021 I was confronted by the tech on the job that I needed to handle the bill I advised him that XXXX was suppose to handle it. He did not move his vehicle so I could go to work. On XXXX XXXX after the work was completed the same tech called me at XXXX to say he was outside and would stay til I dealt with the final payment. he came in and called Greensky of XXXX GA and opened an account for 28.99 % XX/XX/2021 I received a letter from XXXX XXXX XXXX. I had no idea about this account or what is charged on it As of this time I have neither seen a bill or any account what so ever from XXXX XXXX plumbing. I have no idea how many accounts have been opened by XXXX XXXX plumbing. I believe that XXXX XXXX XXXX engaged with both XXXX and GreenSky in a scheme of predator lending.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX
Product: Debt collection

On or around XXXX of 2018 I received a phone call from someone stating they worked for a law office and I was being sued for an old overdrawn bank account if I didn't make immediate payment. I asked for proof of the debt and was told that it was past of the point where I was owed any proof, either to pay or I was going to be served with a subpoena at work. I told them I wouldn't pay anything without proof and blocked the phone number after being told again they wouldn't provide any proof. On XX/XX/18 someone stating their name was XXXX XXXX and working for XXXX contacted a co worker of mine and told them that I was being sued for an old debt and asked that I call them back at XXXX. The message was passed along to me and I called back. I spoke to someone named XXXX XXXX at extension XXXX who told me that XXXX was the company they use to serve court paperwork and he didn't know who XXXX XXXX was. He told me that I owed {$640.00} dollars for an old Huntington Bank account and if I didn't pay it that day I would be served with court paperwork and sued for a larger amount. He stated that he worked for XXXX XXXX in Washington State and his company was attempting to collect the debt of behalf of XXXX XXXX XXXX in XXXX XXXX, CA. I asked for proof of the debt and he stated he would email me documents but it was all pdf documents and it took him a while to send. It seemed as if he or his " company '' were creating the documents as I was on hold. He did ended up sending them to me and I paid the {$640.00} on my credit card to avoid the possibility of being sued or having my accounts frozen which I was told would happen. I believe strongly that this was fraud and also received a fraud alert on my credit card which I was told I had to remove in order to allow the transaction to go through. 

I was also given a docket number on which the case was supposedly to be tried. The docket number was XXXX.