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

I am writing to formally request the removal of the charge-off notation on my credit report for account [ Account Number ], which has been paid in full and reflects a {$0.00} balance. Despite fulfilling my financial obligation, the charge-off remains on my credit report, negatively impacting my credit profile. 

Legal Basis for Charge-Off Removal Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ( a ) ], furnishers of credit information are required to ensure that all reported data is accurate, fair, and substantiated. The continued reporting of this charge-off as a derogatory mark, despite my full payment, constitutes inaccurate and unfair credit reporting. 

Additionally, under FCRA 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any inaccurate or misleading information on my credit report, and Capital One is legally required to conduct a reasonable investigation within 30 days of receiving this request. If the charge-off can not be verified as accurate, it must be removed immediately. 

Furthermore, under FCRA 1681b ( a ) ( 2 ), Capital One must demonstrate a permissible purpose for continuing to report negative information that no longer reflects my actual financial standing. Since the account balance is {$0.00}, there is no longer a valid reason for maintaining the charge-off status on my credit report. 

Request for Immediate Action I formally request that Capital One : 1. Immediately remove the charge-off notation from my credit report with all major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX 
XXXX. Provide written confirmation that the charge-off has been removed or updated to reflect accurate and fair reporting. 
XXXX. Cease any further negative reporting regarding this account, in compliance with federal consumer protection laws. 

If Capital One fails to remove this inaccurate and unfair charge-off within 30 days, I will escalate this matter by filing a complaint with : The Consumer Financial Protection Bureau XXXX CFPB ) The Federal Trade Commission XXXX FTC ) The Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I will explore legal remedies under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692e ], which prohibits the misrepresentation of credit information. 

I appreciate your prompt attention to this matter and look forward to your confirmation of the charge-off removal. Please provide a written response within the legally mandated time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX please update late payment all payment was made on time XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraudulent/inaccurate inquires and has failed to properly investigate them per my request XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In 2013 I was using Coinbase for virtual currency transactions. One day I logged in and my entire account balance was empty. Checked the login logs that they make available and someone had logged in, in the XXXX to the account and transferred the balance. I contacted the company several times of the years trying to see what could be done. Providing logs, information and anything they asked for. Unfortunately they always said there was nothing they could do.
Product: Debt collection

it is said that I have a Open End Payday Loan from Speedy Cash. 
As of XX/XX/2019 it is said that I owed {$320.00}. As Of XX/XX/2019 and today I am charged with a interest fee of {$0.00} and that the total amount is {$320.00}. Ad Astra Recovery Services , Inc. is a debt collector thts trying to collct a debt that is said that I owe to speedy Cash.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal dispute to bring attention to multiple inaccuracies and inconsistencies in the reporting of Account # XXXX by XXXX XXXX Experian, and XXXX XXXX These errors directly violate the Fair Credit Reporting Act ( FCRA ) standards for accurate and verifiable credit reporting. 

Details of the Disputed Account Creditor Type : XXXX XXXX XXXX XXXX XXXX High Balance : {$1200.00} Account Status : Closed and classified as Derogatory Balance Owed : {$0.00} Specific Reporting Errors and Inconsistencies Contradictory Dates of Last Activity : XXXX lists the last activity as XX/XX/year>, Experian lists it as XX/XX/year>, and XXXX lists it as XX/XX/year>. This lack of uniformity indicates unreliable and unverifiable data. 

Irregular Payment Histories : Experian shows the account as current until XX/XX/year>, then lists a sudden shift to 30, 60, 90, and 120 days late, culminating in a charge-off by XX/XX/year>. However, XXXX and XXXX fail to provide a comparable payment history. This discrepancy calls into question the accuracy of the reporting across agencies. 

Inconsistent Creditor Remarks : XXXX remarks state " Charged off as bad debt, '' while Experian and XXXX indicate " Purchased by another lender. '' These remarks can not coexist and raise doubts about the account 's true status. 

Zero Credit Limit and Past Due Amounts : The credit limit is listed as {$0.00} across all three reports, yet a high balance of {$1200.00} is reflected. This mismatch undermines the validity of the information. 

Violations of the Fair Credit Reporting Act ( FCRA ) Under 611 of the FCRA, information included on consumer credit reports must be accurate and verifiable. The inconsistencies detailed above demonstrate a clear failure to meet these legal standards.
Product: Bank account or service

I have XXXX x J.P. Morgan Chase bank accounts. 

J.P. Morgan Chase offers an 'alert service ' to their customers to reduce fraud, and in particular, to ensure that - should an account not have sufficient funds available - a customer is instantly 'alerted ' so as to be able to transfer or add funds to their account/s in time for a payment to be processed successfully. 

This 'alert ' service is widely advertised as a part of the benefits of being a Chase banking or credit card customer. 

Note that this alert service does require some 'setting up ', which I have done, and used successfully prior to this incident. 

From XXXX XXXX 2015, the Chase alert service stopped working completely on all my accounts and Chase credit cards, and I have incurred substantial fees as a result of not receiving notifications of insufficient funds that would otherwise allow me to transfer or add funds in time to avoid such fees. Prior to this, I have used this service ritually with few issues, but on XXXX XXXX/XXXX/15, it began to fail completely, and Chase began to charge me ISF fees as a result. 

Once I realised the issue, I contacted Chase Customer Service, and they insisted that their system was 'working fine ', and that I should set up alerts via 'Push ', Text and email just to be certain. I followed their advice and did so, ( receiving no less than XXXX emails confirming these changes to my alerts. However, despite setting up all alerts via all means, none of them worked at all. Meanwhile, Chase continued to charge me ISF fees, ignored my concerns raised, told me the alerts were just a 'free service ' to me, and were unwilling to assist any further. 

After several calls, emails and texts about the issue to my Chase account manager - XXXX XXXX - he finally requested I come in to demonstrate the issue to him on XXXX/XXXX/15. While in his presence, he checked my alert settings, and then had me perform XXXX x transactions. The Chase alert system failed completely for both, so he agreed it was an issue and pledged to report it to 'National ' customer service for a full refund of the fees. 

To date, none of the fees have been refunded to the account that was used for demonstrating the issue, and as a result, my account/s remain in negative balance. Chase calls and writes constantly to add funds so as to bring my account/s back into credit, but I refuse to do so, as adding funds would serve only to pay Chase their ISF fees, and I am certain any request for refund would be denied. 

I do not work as hard as I do just to pay bank fees, especially when a failure on the banks part is the cause of such fees being incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate the removal of some fraudulent items from my credit reports. However, I have identified that there were remaining fraudulent items persistently reporting, adversely affecting my credit standing and records. I am once again urging XXXX, XXXX, and TransUnion Credit Bureaus to remove the items listed in this complaint per bureau, as documented in my FTC report with reference # XXXX : -- -- -- -- -- -- XXXX : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX  Balance : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX XXXX XXXX Balance : {$50.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$7700.00} XXXX XX/XX/XXXX  -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} 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: Credit reporting, credit repair services, or other personal consumer reports

I have tried several time to put a freeze on my credit report at Equifax. 

I called the number provided by FTC web site XXXX and that told me that Imy request could n't be done through automated system. 

Then I tried their web site three times to to freeze my report. In each instance I got a message that system is n't available and try later. 

Then I called their newly created call center and I was told they are only directing the call to FTC web site. Nor, could they give me an address for me to send a request for freeze in writing. 

It is very frustrating. I am suppose to leave the country in few day and I am concerned about unauthorized use of my credit. 

All of these incident happened on XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The major credit reporting agencies currently charge consumers for a credit freeze. 

It is unconscionable that these companies use our personal information without consent, and do not properly protect the data in their care ( see the recent XXXX breach ), and then charge us to freeze our credit reports. 
All credit report freezes/unfreezes should be free, especially in the light of the recent XXXX breach that put 140 million people at risk of identity theft. Credit reporting agencies should n't be able to profit off of their own negligence by charging their unwitting and unwilling consumers for a credit freeze/unfreeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have lates on credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX collection? I don't owe XXXX this is incorrect. Its illegal I know my rights, XXXX IS A BIG BULLY. YOU CALL AND THEY TELL YOU PROVE IT. I researched and saw itls illegal to put incorrect information on your report. I filed several FTC reports. Im tired this is ridiculous. How can these banks do this? XXXX isn't my account I want it removed. Thank you I need your help please
Product: Credit reporting or other personal consumer reports

i have old accounts with more then 7 years that not belong there i want them to erase the info becuse is my right and is damaging my credit
Product: Credit card or prepaid card

In the spring of XXXX, I paid off my Lane Bryant credit card balance over the phone with Comenity Collections. Somehow, after payoff I was charged late fees and finance charges. Since I had paid off the card and was asked the payoff amount, I did not realize this occurred so on XX/XX/XXXX I had a balance due again that was in collections with Comenity. Over the phone, I specifically asked for the payoff amount to avoid having this happen again. I accepted responsibility and paid the account balance I was told and informed the representative of my concern that " additional '' costs would be applied like last time and I wanted to avoid that. I was told to call Lane Bryant in about XXXX weeks to check the status to make sure everything was clear. I received an email notice that I had a bill but for some reason could not open my account by my phone as usual ( screen disappears as soon as I select card instead of shop ). 
Therefore, I called Lane Bryant Customer Service at XXXXXXXX XXXX on XX/XX/XXXX and was told that there was no balance on my card. I thought I had taken care of everything. On XX/XX/XXXX at XXXXXXXX XXXX, I received a text message from Comenity Bank indicating I need to make a payment to XXXX. I called Lane Bryant but the call went to the Collections. I was told I had a finance charge and XXXX late payments to pay. I told them I was not paying finance charges and late payments on a bill I paid off a second time, especially after taking the necessary steps to make sure I was paying the account in full, and calling as I was instructed to do. After a XXXX phone call of us going back and forth ( them refusing to clear my charges, me telling them I wanted the information to file a dispute ), I was never given the information to file a dispute and then all of a sudden the representative came back on the line and kept saying, " hello are you there? XXXX XXXX are you there? '' I kept responding but she kept repeating that for about 1-2 minutes ( although we had no previous call issues for XXXX minutes ) and then reported, " XXXX since you are not answering, I'm hanging up the phone. Please call Lane Bryant back if you have more questions. '' I tried to sign into my card account today from my laptop to find the details of payments to write my dispute and it appears as if I no longer have an account and I can not tell if I still owe the money. I'm concerned this is still being reported to the credit bureau and I have been unfairly reported for 2 months for a balance that I should have never been charged. 

I have copies of my phone records to show the calls were made to Lane Bryant. I also have the Comenity charges in my XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 around XXXX or XXXX XXXX  I noticed that there was an inquiry on my credit report showing for both XXXX XXXX and Equifax so initially the next morning I called XXXX XXXX and Equifax and I told them that this inquiry was not authorized by me, and therefore should be removed I was then instructed that I need to contact XXXX  XXXX so thats what I did. I contacted XXXX XXXX and XXXX XXXX said XXXX we have no records of any inquiries that were placed on your credit. Therefore we cant send a letter to XXXX XXXX and Equifax disputing this because theres nothing on file saying that you apply for credit I then contacted Equifax and XXXX XXXX once again on that same call and had the XXXX  XXXX representative explain what was going on however, I received no help. I only received the runaround. I was hung up on me and the XXXX  XXXX agent, and at the end of everything I was told that the XXXX  XXXX agent had to get off of the phone because they cant do conferences at XXXX. I spoke with a XXXX XXXX from XXXX, who instructed me that the only way the inquiry could be removed, was from a letter which XXXX XXXX could not provide so now I am contacting the CFPB to get this inquiry removed from both my credit consumer reports because it is fraudulent and it was an authorized by me.
Product: Debt collection

American Coradius International LLC Address : XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, NY XXXX Account XXXX XXXX American Coradius International LLC is trying to communicate with me through my consumer report ( XXXX ) which needs to stop. 15USC 1692C Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Checking or savings account

BBVA was bought by PNC No access to phones, lobby full.

Auto bill pay sometimes works, debit card not always accepted. Deposits not credited. 
Since XX/XX/2021 Tried calling and stopping by. I cant waste any more time with these issues
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. 

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 XXXXXXXXhas 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 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.
Product: Debt collection

Applied for home loan and discovered on my credit report that this company is reporting a collection account that is not mine and I dont have any knowledge about.
Product: Vehicle loan or lease

Dear sir My loan applied in XXXX XXXX - XXXX ( XX/XX/XXXX ) My TWO WHEELER loan reference NO ; XXXX I closed my loan account last month XX/XX/XXXX ( principal amount also paid in online ) We need NOC
Product: Bank account or service

Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX a {$15.00} per month Service charge was leveled against my checking account for a total of {$180.00} prior to this no service charge was charged. I complainded to the bank on XXXX/XXXX/XXXX and they refunded {$15.00} and said sorry they could not refund the rest. After speaking to bank manager She said " No bank would give back the service charge. '' I wish to file a complaint and recieve all of the service charges returned. The bank offers a free checking for anyone over XXXX with no service charge at all. I am XXXX and very easily quialfy for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 and 6 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.