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

Despite providing extensive and irrefutable documentation over the past six years, the following inaccurate information has been improperly reinserted into my credit report without compliance with 15 U.S.C. 1681c ( f ) : Details of the Inaccurate Information Creditor Name : XXXX & XXXX Account Number : [ Insert Account Number or Identifier ] Description of Inaccuracy : REPEAT REQUESTS FOR REMOVAL ( 6 YEARS ) - After removed, The Credit Bureau RE-POSTED the creditor inaccurate reporting, showing the account is CLOSED WITH A BALANCE from OVER 7 YEARS AGO!!!!!!!!!!!!! Showing account derogatory, profit and loss write-off!!!! 
This re-posting occurred after it was previously removed, in blatant disregard for the FCRA, which mandates : Certification of Accuracy Before Reinsertion : A data furnisher must verify the accuracy of any information before it is re-reported. 
Notification to the Consumer : The credit bureau must notify the consumer of any reinserted information within five business days. 
You have failed to comply with these provisions. 

Immediate Action Demanded I demand the following actions be taken within 10 calendar days of receipt of this letter : Permanently Remove the Inaccurate Information : Immediately remove the inaccurate account ( s ) from my credit report and ensure no further reinsertion occurs without strict compliance with the FCRA. 
Provide Written Confirmation : Deliver a written statement confirming the permanent removal of the inaccurate information and your commitment to full compliance moving forward. 
Legal Ramifications of Non-Compliance Failure to address this matter within the specified timeframe will leave me no choice but to escalate this issue through : Formal Complaints : Filing with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) against your organization for repeated violations of federal law. 
Legal Action : Pursuing a lawsuit under 15 U.S.C. 1681n for willful non-compliance, which may result in penalties including : Actual damages Statutory damages of up to {$1000.00} per violation Attorneys fees Punitive damages Your organizations disregard for federal law undermines consumer trust and perpetuates unnecessary financial and emotional harm. I am fully prepared to exercise all available legal remedies to ensure this matter is resolved. 

This is your final opportunity to resolve this issue amicably and in compliance with the law. I expect written confirmation of corrective action by XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

Someone opened an account in My maiden name and used an address I have not lived at in over 3 years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX volunteer reposition XXXX XX/XX/XXXX withdrew before deadline due to work schedule XXXX XXXX XX/XX/XXXX XXXX company never sent proof of debt. 
XXXX sales merchandise returned to company a rent to own breech contract XXXX
Product: Credit card

I looked on my credit report and seen that a credit card account for {$300.00} was opened in my name with Capitol One without my knowledge or consent. The account was charged off. This account is fraudulent and was not opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX  XXXX  XXXX Balance {$7600.00}, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$780.00} XXXX XXXX  XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance {$400.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Not to long ago I was investigating my credit report come to find out that there were several items on there that are inaccurate. Under 15 U.S. code 1681 e ( b ) accuracy of the report whenever consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) treatment of the inaccurate or unverifiable information ( A ) in general if after any reinvestigating under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the the consumer file, or modify that item of the information as appropriate based on the results of the investigation, and promptly notify the furnisher of that information that the information has been modified or delete from the file of the consumer. 
Please remove the following items from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX Balanced {$2700.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX I took out a loan for {$900.00}. since XX/XX/2023 they have been taking out my checking account {$120.00} every week from that date until Friday XXXX XXXX that totals to over {$3300.00} and the company still say I owe them more than what I took out the lone for XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting on my XXXX XXXX account ( # XXXX ) reflected in my Experian credit report. Despite XXXX prior disputes filed on XX/XX/XXXX and XX/XX/XXXX, no corrections have been made to this account. The continued inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). The account also has discrepancies and errors in its reporting dates, payment history, and balance details, which are outlined below : Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Account Status : Open Payment Status : Current Monthly Payment : {$680.00} Two-Year Payment History : Reflects an inaccurate 30-day late payment for XX/XX/XXXX. 
Discrepancies : Date Inconsistencies : The " Date Reported '' ( XX/XX/XXXX ) and " Date of Last Activity '' ( XX/XX/XXXX ) conflict, suggesting incorrect reporting. 
Inaccurate Late Payment : The 30-day late payment for XX/XX/XXXX is incorrect and unsupported by the accounts payment records. 
Balance Details : The balance of {$18000.00} differs from the amounts reported to XXXX and XXXX for the same account. 
Relevant Legal Violations : FCRA ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct inaccuracies promptly.

TILA ( 15 U.S.C. 1666b ) : Mandates that creditors send periodic statements at least 21 days before the due date, ensuring no unfair penalties for consumers. 
PAANL : Reinforces creditors ' responsibilities to provide accurate, timely statements to protect consumers from erroneous reporting. 
Desired Resolution : Immediate removal of the inaccurate 30-day late payment from my credit report.

Written confirmation of the corrections made.

Assurance that this account will be reported accurately in the future. 
I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to address these inaccuracies. If these issues are not resolved promptly, I will consider escalating the matter further, including legal action. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Discover Financial Services Credit Card Department XXXX XXXX XXXX XXXX, DE XXXX Reference Number : XXXX Subject : Opportunity to Cure - Credit Application and Compliance Violations Dear Sir/Madam, I am writing this letter to bring to your attention certain concerns regarding my recent credit application with Discover Financial Services. I believe there are several compliance violations that require immediate attention and resolution. I am also making you aware of certain legal considerations that pertain to the credit application process. 

Firstly, I would like to emphasize that a credit application is a form of self-liquidating paper that serves as legal tender. It is essential to acknowledge the value and significance of this document, as it represents a contractual agreement between the applicant and the credit issuer. 

Furthermore, it has come to my attention that the social security number provided in the credit application is considered a credit card in and of itself. This understanding is crucial in ensuring compliance with relevant regulations and safeguarding the rights and privacy of individuals. 

Regrettably, I believe that Discover Financial Services may be in violation of multiple Code of Federal Regulations ( XXXX ) violations and potentially engaging in security fraud. It appears that XXXX has willfully failed to comply with these regulations, which raises concerns about the integrity and legality of its operations. 

In light of the aforementioned violations, I wish to inform you that Discover Financial Services is now in agreement with the terms and conditions set forth by XXXX XXXX XXXX. As per the schedule fee outlined by XXXX XXXX XXXX, XXXX is required to take immediate action to approve my credit application within a period of 10 days. 

I kindly request that upon approval, the credit card provided reflects an open-ended status, ensuring maximum flexibility and utility for my financial needs. It is imperative that Discover Financial Services takes prompt action to rectify these issues and comply with all relevant regulations and agreements. 

Please consider this letter as an opportunity to cure the aforementioned violations and rectify the situation within the specified timeframe. Failure to comply with this request may result in further legal action to protect my rights as a consumer. 

I look forward to a prompt resolution to this matter. Should you require any additional information or clarification, please do not hesitate to contact me at the provided contact details. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield Collection Agency is continuing to report a debt on my credit reports that has been settled. On XX/XX/2020 XXXX XXXX XXXX XXXX, who is representing Hwarfield on this debt, received a certified letter from me that included a settlement letter and settlement check. The letter clearly stated the terms of the agreement that if they accept the settlement check and cash it, they agree to remove the collection fully from my three credit bureau reports. On XX/XX/2020 XXXX XXXX cashed the check. As of XX/XX/2020 the collection is still appearing on my three credit bureau reports. The balance owed, however, has been reduced by the amount of the settlement check. On multiple occasions I have attempted to reach them on the phone and keep getting the run around.
Product: Credit reporting or other personal consumer reports

Experian is producing inaccurate information that is currently being reported on my credit report. Specifically, the account associated with XXXX XXXX XXXX, account number XXXX, is inaccurately reflected in your records. The balance reported is incorrect, and it should be noted that this account was paid and never late. 

According to the 15 U.S. Code 1681i ( a ) ( 2 ) subsection ( A ) ( i ), you are required to conduct a reasonable investigation and correct any inaccuracies. The current reporting of this account is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has caused significant harm to my creditworthiness and has adversely affected my ability to obtain credit. I would like to make you aware that reporting transaction history is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX stating that WEBBANKAVANTLLC was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX when fraudulent accounts were opened then. I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. I contacted Avant on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from the Consumer Financial Protection Bureau indicating XXXX is still working on the problem. It has been over 30 days, and according to Federal Law and the Fair Credit Reporting Act, this company should not be granted additional time. By law, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. This agency has been contacted numerous times regarding this complaint and nothing has been done. I would like further explanation as to why my rights are being violated. The law is clear. Please follow-up and inform me of any additional laws which grants this agency additional time in writing. Thank you so much for your help.
Product: Debt collection

I am writing to express my deep frustration and disappointment with the handling of my credit report dispute. Despite my efforts and successful resolution discussions with the concerned banks, Experian continues to play a game of pass the buck, causing undue stress and concern. ACCOUNT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have successfully resolved disputes with these banks, and other credit bureaus have promptly removed the disputed accounts. However, Experian 's lack of cooperation and responsiveness is unacceptable. I am now seeking your assistance in expediting the resolution of this matter. I kindly request that Experian rectify this situation promptly and ensure the removal of the mentioned accounts from my credit report. I believe that the Consumer Financial Protection Bureau ( CFPB ) should be made aware of Experian 's lack of cooperation in this matter. I expect the credit bureau to fulfill its obligation to thoroughly investigate and resolve disputes in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint to the CFPB about Equifax manipulating my credit score and causing my score to drop XXXX points. What caused my score to drop XXXX points was Equifax falsifying information on an account that is included in a bankruptcy showing it with 4 late payments and being delinquent, all violating the automatic stay. On XX/XX/2022 Equifax responded with an Erroneous, False and Misleading response, all evidenced by my attachments. Count 1. I never disputed a bankruptcy. Count 2. Equifax claims to be disputing my complaint, their own records show there is no open dispute. Count 3. Equifax is preventing me from further disputing the account in question. Count 4. The account in question is showing 4 late payments and other false information on an account included in a bankruptcy. EQUIFAX IS IN VIOLATION OF THE FCRA 15 USC1681 AND 623 ( a ) ( 1 ) ( A ) AND 623 ( a ) ( 1 ) ( A ). NOW IS NOT THE TIME TO UPDATE THIS ACCOUNT, I DEMAND THE FOLLOWING ACCOUNT BE REMOVED : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX.
Product: Credit card or prepaid card

I received a XXXX XXXX XXXX XXXX XXXX  account XXXX  Credit card limit {$3200.00} Someone stole my identity and I believe its a fraud because I applied for a job online and I worked for them almost XXXX months then they disappeared. 
The company website XXXX I reported them to the FBI and the XXXX XXXX XXXX yo investigate the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Debt collection

This debt does not belong to me and the debt collector is continually harassing me for money for a nearly 8 year old debt. I just want this to stop. I am not paying them anything.
Product: Debt collection

I requested the company provide information regarding collectors name and full address, Name of Debtor of Record, Full Account number, Amount, Date of delinquency, Explanation of how debt was calculated, Name of current owner and amount paid for the debt if applicable, and a COMPLETED agreement with signatures of a contract with the debt collector validating that I owe the date with them. They sent back a VERIFICATION letter with an account number and amount, but no other information was given for VALIDATION of the debt, pursuant to XXXX XXXX XXXX.
Product: Credit card or prepaid card

My issue is with Bank of America 's non transparent statement practices. I have paid my balances on the due dates set forth on each statement however continue to accrue interest charges after subsequent statements being PIF. As you see below in my summary I only had a {$10.00} carryover which accrued interest and was subsequently PIF on the next statement, according to the total balance to be PIF. Having had credit cards for 15 years now and having always handled my statements timely this is a gross abuse of non-transparent practices. 

1st Statement XX/XX/XXXX- XX/XX/XXXX, {$95.00} Balance to be PIF by XX/XX/XXXX. {$95.00} PIF on XX/XX/XXXX.

2nd Statement JXX/XX/XXXX-XX/XX/XXXX, {$8600.00} Balance to be PIF by XX/XX/XXXX. {$8000.00} paid on XX/XX/XXXX. {$620.00} credit on XX/XX/XXXX from rewards. Total credit to account by Due date of XX/XX/XXXX which was {$10.00} short. This was my error and own this {$10.00} carry over.

3rd Statement XX/XX/XXXX - XX/XX/XXXX, {$1400.00} Balance to be PIF byXX/XX/XXXX. {$1400.00} PIF on XX/XX/XXXX. I was charged additional interest of {$13.00} which I understood to be from my previous {$10.00} balance carryover.

4th Statement XX/XX/XXXX - XX/XX/XXXX, {$1600.00} Balance to be PIF by XX/XX/XXXX. Pending payment of {$1600.00} to post XX/XX/XXXX. An additional interest charge of {$37.00} is now showing on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To begin with, I would like these accounts removed from all 3 credit bureaus immediately. They were opened under my name when I was only XXXX. One was opened on XX/XX/XXXX and the other was opened XX/XX/XXXX. I was born on XX/XX/XXXX. My legal age was XXXX years old, but you have to be XXXX years old to open a credit card account under your name. I even filed a police report showing that I did not open these accounts. Secondly, per Florida statutes XXXX, the limitations on credit card debt is only 5 years. This shouldve been removed from my credit reports a couple of years ago. If these accounts are not removed from my credit reports, I will file a lawsuit with my lawyer against XXXX XXXX and XXXX  for allowing someone to open credit card accounts under my name at an illegal age to do so along with Equifax for reporting accounts that were opened illegally while I was underage.
Product: Checking or savings account

I opened up a new checking and savings account with Citibank in XX/XX/XXXX through a promotion that would pay a bonus of {$400.00} if I maintained {$15000.00} across the two accounts. I deposited the required amount of funds into the savings account and maintained the balance for the length of time required by the promotion ( in fact, the {$15000.00} is still in my savings account to this day ). In XX/XX/XXXX, Citibank closed my checking account without my knowledge. 

When I inquired about payment of the promotional bonus, I received the following message from Citibank : " We show that Checking account number # XXXX was closed on XX/XX/XXXX ; therefore, the account is not eligible to receive {$400.00} in fulfillment of Promotion XXXX. '' I spoke to two different Citibank supervisors via the CitiPhone line, who both assured me as the checking account was closed by Citibank without my knowledge, that I was entitled to the promotional bonus as I had kept the full {$15000.00} in my savings accounts as required by the promotion. They both promised that I would receive the {$400.00} within 10-14 days. However, in both cases, I received a letter from Citibank denying that I was owed the bonus. My last contact with a manager was on XX/XX/XXXX at approximately XXXX ET. 

Citibank has acted fraudulently and in bad faith in this situation as the reason they are now denying my bonus was due to an action that they took unilaterally. Further, they still had access to my {$15000.00} during this entire time.