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

I am writing to file a formal dispute regarding the inaccurate reporting of a charge-off account on my credit report by XXXX XXXX XXXX XXXX The account in question is referenced above. I believe that this reporting is in violation of 15 U.S.C. 1601, commonly known as the Truth in Lending Act ( TILA ).

Under the provisions of the Truth in Lending Act, creditors are required to ensure that all credit information provided to consumer reporting agencies is accurate, clear, and not misleading. The charge-off status reported by XXXX XXXX XXXX fails to meet these standards for the following reasons : XXXX. Inaccurate Information : The charge-off was incorrectly reported or may not have been fully validated by XXXX XXXX XXXX XXXX This reporting does not reflect the true nature of my account or the circumstances surrounding it. 
XXXX. Failure to Provide Clear Disclosures : XXXX XXXX XXXX XXXX not have provided me with the necessary disclosures or information related to the account, as required under TILA. This lack of transparency has directly impacted the accuracy of the information reported to the credit bureaus. 
XXXX. Potential Violation of Fair Credit Reporting Practices : The continued reporting of this inaccurate charge-off has resulted in significant damage to my credit score and financial standing. This is a violation of my rights as a consumer under federal law. 

I have made every effort to resolve this matter directly with XXXX XXXX XXXX but have been unsuccessful in reaching a satisfactory resolution. I am now seeking the CFPBs assistance in ensuring that my credit report is corrected and that the charge-off is removed. 

I kindly request that the CFPB investigate this matter and work with XXXX XXXX XXXX to correct the inaccurate reporting on my credit file. 

Thank you for your time and attention to this important matter. I look forward to your prompt assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Evidently someone somewhere had a card in my name that i knew nothing about. I had caused great negative harm to my credit report. I got a civil summons to go to court and thats when i started investigating. Now XXXX XXXX and XXXX  is saying it its me. Who is going to repair my credit score? It has dropped nearly 200 points due to this. Please see attached images.
Product: Student loan

I have been paying this loan for XXXX years and my overall balance has not gone down. They are not willing to work with me to help me make my payments lower. All they could do was offer me a temp 3 % interest rate and randomly I was taken out of the program. I was n't even told. Now my payments went from {$550.00} per month to {$800.00} per month. I ca n't afford it and I am going to have to file bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account in which NAR is reporting on my credit report. This account does not belong to me. I never opened this account. I disputed this account as well with all three credit bureaus. I requested that they validate this account and verify it, I was sent back information saying the account was verified and updated. I called NAR on today XX/XX/XXXX and asked them again to validate the account or I would file a complaint and sue them because this inaccurate information is affecting my credit negatively. I was told by the representative that all they have is an itemized statement and I in turn told her that doesn't validate or verify the accuracy of the information that they are reporting on my credit report. The representative told me that it was up to me to prove it wasn't my account and I adamantly told her that the company is reporting and they by law have to proove it's actually my account and if they couldn't verify it then they had better remove it from my credit immediately and I was informed that they couldn't do that. So, at this point I am asking for assistance in having this inaccurate and fraudulent information that they can't validate removed from my credit report. Thank You my name is XXXX XXXX my social is XXXX my date of birth XX/XX/XXXX the account is Account # XXXX amount in collection XXXX debt collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, 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, CA XXXX and XXXX XXXX BANK XXXX Balance : {$11000.00}.
Product: Credit card

TRANSACTIONS FOR XXXX XXXX # XXXX www.capitalone.com/XXXX The credit card company online notification was not reached via e-mail thus causing the account to be past due for over 30 days, when credit monitoring alert advised of such inquiry it was handle in the same day paid in full. I have called the credit card company and they have reversed the late dues and agreed to reverse the bad inquiry however they say the can only inform credit bureau they can not reverse the inquiry, which has caused the credit bureaus to lower score by XXXX points which sounds quite substancial and incorrect. 

Please remove bad inquiry as agreed by the credit card company
Product: Debt collection

XXXX  sent an account to collection for {$91.00} stating that it belongs to me. I did not get any written notice or phone call about this debt. I have no knowledge of any past due owed to  XXXX . I should have been notified if anything but instead they sent this account to collection. I tried many times contacting this collection agency to validate this debt but I get nowhere. I have called and written letters. All I see is an account  XXXX  on my credit that has impacted m y credit score. I 'm more  then happy to clear this account up even if it 's not mine just to get this account removed. I just feel like I should have been contacted either via phone or mail about a past due / collection account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Open Accounts : XXXX/DEPT OF ED # XXXX XXXXE # XXXX Closed Accounts : XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XX/XX/2022 EQ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have a XXXX credit card, which is handled by Synchrony bank. I 'm receiving abusive and harassing phone calls from Synchrony bank from the phone number XXXX XXXX XXXX XXXX XXXX, which is a skype number. Collection activity has been outsourced to people in XXXX, in the XXXX. They are obviously not aware of the FDCPA, because when I asked if they knew about it, they said no. I asked because they have violated the law multiple times with me. First, they call me FOUR times daily, every day for the past week. That 's harassment. Second, I asked them to cease contact, as I am aware of the debt. Further, the debt was n't even 2 months delinquent. Even after I made a payment for the past due amount, the rep demanded I make a payment for the remaining amount which was n't even due until XXXX/XXXX/2015, XXXX payment was made on XXXX/XXXX/2015, the next due date was on XXXX/XXXX/2015 ) or the calls would continue. This is also in violation of the FDCPA. Contact has not been stopped.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I filed a charge back with Capital One after the company XXXX XXXX XXXX XXXX ( XXXX ) had me pre-pay for a service, violated our contract by not performing that service ( they never showed up on our scheduled date and time ), and then not refunding my payment. At first, Capital One provided me with a credit. Then, they reversed the credit. I called and asked why, and they stated that it was reversed because XXXX lied and told them that I canceled the appointment. That is not true. I waited for the detailer to show up, and when no one showed up, I called XXXX and the agent said she couldnt get ahold of the detailer. She offered to reschedule, and that it would be with a different detailer, but she wouldnt be available to detail my car until days later. I declined and said I would like a refund since I didnt receive the service. She obliged and said she put in the refund and I would receive it in 7 to 10 business days. That time came and went, and when I would email XXXX they never responded. When I called, I would constantly get the runaround and agents would state my refund should have processed by now and that a manager would call me back. A manager never called me back. At this point, my only choice was to file a charge back with Capital One. This business ( XXXX ) has dozens of the same reviews on XXXX. That no one shows up to perform the service, and they never refund the customers. Im surprised that a company like Capital One believed their lies that I canceled the appointment.
Product: Debt collection

I am writing to formally submit a complaint regarding a data breach that has resulted in the exposure of my personal information and subsequent inaccuracies on my credit report. 

Capital One Account # XXXX Account Status : Derogatory Self/Lead Account # XXXX Account Status : Closed Date Last XXXX XX/XX/year> - My information was compromised in a recent data breach. 
- I have not received a 1099 form related to this matter, yet the information is still being reported on my credit report.

According to Section 605B of the Fair Credit Reporting Act, the inaccurate information should be removed within four days. However, I have not seen any action taken to rectify this issue.

I request that you investigate this matter and assist in ensuring the removal of the inaccurate reporting from my credit report. Please be advised that if this issue is not resolved promptly, I will be forced to take legal action to protect my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

These acounts and inquiries were found on my credit report : Accounts : XXXX XXXX  XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX Bank {$1100.00} XX/XX/XXXX XXXX Bank XXXX {$570.00} XX/XX/XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for my XXXX XXXX XXXX account. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The reported late payments are incorrect, as I have consistently paid on time or had an alternative agreement. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting inaccuracies misrepresent my creditworthiness, violating my rights under the FCRA ( 15 USC XXXX ( b ) ). 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : False reporting of late payments may also constitute a violation of the FDCPA. 
Truth in Lending Act ( TILA ) : These reporting errors breach the TILA 's requirements for accurate credit reporting. 
Under the FCRA, sections 15 U.S. Code XXXX and XXXX mandate that credit reporting agencies and furnishers ensure the accuracy of information. Articles XXXX and XXXX ( 15 U.S.C. XXXX and XXXX ) outline liability for noncompliance. 
Summary of Errors and Discrepancies Across All Bureaus : Late Payments : XXXX : Reports late payments, including XXXX  days late in XXXX, XXXX days late in XXXX, and XXXX days late from XXXX to XXXX, which are inaccurate. 
Experian : Similar late payment errors as XXXX, with reports of XXXX, XXXX, and XXXX day late payments during the same timeframe. 
XXXX : XXXX late payments, including XXXX days late in XXXX, XXXX days late in XXXX, and XXXX days late from XXXX to XXXX, which are incorrect. 
Discrepancies in Reporting Details : Account Status : All three bureaus report the account as closed, but only XXXX provides a closing date ( XX/XX/XXXX ), while Experian and XXXX omit this information. 
Balance Owed : Consistent across bureaus at {$1100.00}. 
Payment History : XXXX and Experian show errors starting in XXXX, while XXXX begins reporting errors in XXXX. 
Requested Resolution I request Experian to conduct a thorough investigation and correct these inaccuracies by removing all erroneous late payments from my credit report. Specifically : Remove reported late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
Update the account to reflect accurate, on-time payments for all disputed months. 
I expect written confirmation of these corrections within XXXX  days of this letter. Failure to resolve this issue may result in further actions to protect my rights as a consumer under the FCRA. 
Attachments Provided : For this dispute, we have included the following documents : A copy of the clients government-issued ID. 
A copy of the clients Social Security Number. 
Bank statements showing proof of timely payments during the disputed months. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I reached out to this company regarding an fraudulent account that doesnt belong to me I am making a formal complaint to have this erased off of my credit as I am I victim of identity fraud this is reporting on my XXXX account as of now I reached out to this company and sent both a copy of police report
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. 

I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below have 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 1

5 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 rep orting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of many requests, this was my 8th complaints that there were some inaccurate accounts listed on my credit file continue to report. I'm so very disappointed whenever i saw my credit report with such an erroneous informations. In violation of federal law, accounts should be corrected right away. These inaccurate accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved clearly. The following accounts seems to be an error on my file that needs to be corrected : XXXXXXXX XXXX XXXXXXXX XXXX Balance {$360000.00} ; XXXX XXXX XXXXXXXX Balance {$4600.00} ; XXXX XXXX  Balance {$3700.00}.
Product: Debt collection

XXXX : You violated the United States XXXX Law Hello, I am deeply distraught to find out that you have shared my personal information about my bankruptcy ( Chapter XXXX Bankruptcy Case Number : XXXX ) with the credit Bureaus XXXX XXXX XXXX XXXX XXXX If the credit Bureaus did not obtain this information from you, then I request that you send me a letter stating that you did not share my information with the credit bureaus, and that they did not find out about my bankruptcy ( Chapter XXXX Bankruptcy XXXX XXXX : XXXX XXXX from your company. If you shared my information, that is a violation of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. Also Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. Criminally you are in violation of 18 U.S. Code 1028A - Aggravated identity theft, because you repeatedly share my information with new creditors. This punishment can carry up to XXXX years in XXXX. you are also guilty of FDCPA XXXX furnishing deceptive forms, because the forms you sent to the credit Bureaus are misleading, and I feel misled by your actions. I attached exhibit A as proof that this bankruptcy is appearing on my credit report because of the information your company has illegally supplied.
Product: Debt collection

On XX/XX/XXXX, I received a letter from XXXX regarding a debt. The debt was in the amount of {$14000.00} and from Midland Funding. I have no idea what this debt is, so I responded to the letter with a certified letter asking for the amount and age of the original debt, the name of the original debtor, a copy of the last billing statement sent from the original creditor, if there were any payments made on the debt, and any interest, fees etc on the debt. They followed up with a letter stating the name of the original creditor was XXXX, and a different amount of {$14000.00} owed, an assignment of the bill of sale of the debt from XXXX to Midland Funding dated XX/XX/XXXX, and a copy of a court document dated XX/XX/XXXX stating that the default amount of the debt from Midland funding was {$9500.00}. I do not know the dates of the original debt, I was never notified of this court hearing and I am under the impression that this debt was paid in full to XXXX. I do n't remember having ANY contact with Midland Funding. I am still unclear what the {$5400.00} difference is in the amount owed and the current amount and I do n't feel I have a clear understanding where this debt came from and when the original debt supposedly went into default. I think this debt is beyond the statute of limitations in Illinois and is time-barred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is obligated by the FCRA to report accurate accounting. Consumer has advised ALL INQUIRIES AND ACCOUNTS reported was fraud, and SAID company is required by law to remove Such items within 4 days, FTC fraud report was filed on behalf of the consumer, Consumer is requesting EXPERIAN to provide documentation used to determine the inquiries and accounts where authorized by the consumer, EXPERIAN has 10 days to provide me with the names of the family and neighbors or person spoken to, documentation used, signed application with consumer wet ink signature, comsumer is not asking for an E-Oscar report. If EXPERIAN can not provide documentation to show these accounts and inquiries was in fact authorized by the consumer account must be deleted immediately. Said company is liable under the SEC to follow certain rules I HAVE EXPERIAN COMMISSION NUMBER address and what company your company use to trade securities, I will be filing XXXX to audit consumer account. EXPERIAN is securitizing consumer data yet refuse to provide consumer with their CONSUMER FILE NOT CONSUMER REPORT FTC REPORT is uploaded