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

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain 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 XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the item/s 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 Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. Its my understanding that Credit Bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My wallet was stolen. I called to close my card and check on activity. I wanted XXXX funds or anything transactional. I only wanted to verify my card was not used, and terminate my card. They stated, my voice was not authenticated. They had no other options to authenticate me. I have all my personal information. They would not assist me. I solely attempting to protect my account and card from fraud use. They would not help or assist. Terrible service.
Product: Debt collection

Receivable Mgmt Group representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2016 amt {$250.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate personal information that is currently being reported on my consumer file, as provided by your agency. I have recently reviewed my credit report and have identified erroneous details which are both incorrect and not a reflection of my personal history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am asserting my right to challenge and dispute inaccurate information on my credit report. The FCRA mandates that each piece of information on a consumer 's credit report must be accurate, complete, and within the credit reporting time frame. Also, 5 U.S.C. 552a of the Privacy Act of 1974, protects individuals ' personal records and privacy.

The specific inaccuracies I found on my report include : NAMES : The only name I go by is XXXX XXXX XXXX please remove any name you have in your system that does not match XXXX XXXX XXXX. 


This addresses DO NOT belong to me and are NON-MAILABLE addresses. 
- XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX REMOVE the reported Consumers Current Residence ( s ) of as my REQUISITE REPORTED CURRENT, CORRECT and COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX I DO NOT AUTHORIZE you to retain, nor report any not proven, true, correct, valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated here. 


I have attached relevant documentation that proves the inaccuracy of the aforementioned items. I kindly request that you investigate these discrepancies without delay. Pursuant to the FCRA, you are required to initiate the investigation within 30 days of receiving this letter. 

Furthermore, if after your investigation, you find that the information is indeed inaccurate, I request that it be promptly corrected or deleted from my file. Also, I would appreciate it if you could provide me with a corrected copy of my credit report after the inaccuracies have been addressed. 

Lastly, in accordance with the FCRA, if you can not or do not verify the disputed information within the stipulated time frame, the information must be promptly deleted from my report. 

I look forward to your prompt attention to this serious matter. Protecting the accuracy and integrity of my credit report is of utmost importance to me. Kindly inform me in writing of the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

on XXXX and XXXX there were multiple fradulant transfers of monies between my Bank OF AMERICA accounts checking, savings, XXXX and XXXX account. I did not authorize, I was unaware of, did not approve. Was not notified by BOA highly unusual transactions & withdrawls on my accounts. 

1. I attempted to make my monthly social security withdrawl but could not withdraw money from ATM 2. I went home and recvd a telephone call from BOA credit card fraud services. The BOA employee said fruad had been attempted on my accounts. To unlock my BOA accounts he needed to verify MY account information with BOA to re -issue a new card, and unblock my account. The employee sent back text messages x 2 to verify my identity. 
3. same day I went back to my BOA branch to get funds. I told employee about the telephone call. He informed me BOA never called me or sent a BOA email with a BOA log. I then learned it was fruad scam, identity theft. 
4. During of XXXX & XX/XX/2022 I made many phone calls to BOA fruad scams divisions. regarding the Identity theft Most of my accounts were recovered resolved. 
5. Iam disputing the remaining {$7.00}, XXXX XXXX transaction as fraud scam Identity theft transaction. XX/XX/2022 I faxed BOA this statement, fingerprint, police report. Ive offered to take a lie detector test, veryfing I never received {$7500.00} from XXXX and did not approve usage of my XXXX card. I dont know any individual involved with these thefts frauds from my accounts. 
6. my customary XXXX XXXX is under XXXX 7. Ive been a BOA customer for XXXX yrs never advance large ammounts of cash from XXXX. or any other credit cards. 
8. in addition because {$7500.00} Visa is unresolved disputed, BOA should not be adding addtional monthly fianace chages on this disputed ammount of {$7500.00} Visa please tell me how to proceed in my dispute appeal with BOA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I contacted Lending Club letting them know of my situation. They allowed me 3 months grace period. After 3 months, I told them I was not back in my office and I'm not able to make my regular payments. They told me they are not able to keep my account open unless I make my regular payments, or I can settle the account. I settled the account and paid the amount settled in full. I contacted them on XX/XX/XXXX letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. Before the pandemic I always made my payments on time. If it wasn't for the pandemic, I would be able to make my payments on time. My Loan # is XXXX. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because Lending Club derogatory information is affecting my credit score and my ability to do so. Please call me if you have any questions XXXX. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I enrolled in a payment program offered by Capital One to bring my Platinum card current after a period of economic hardship. Capital One informed me that they would be scheduling a total of three payments to be deducted from my bank account over three months to bring the account up to date. Unbeknownst to me, Capital One scheduled the first and third payments, but they did not schedule the second payment. 

After accepting the payment plan, I received a confirmation email that stated I wouldn't have to take any further action and that the amounts would be paid automatically. At the end of the second month, I noticed that my account was suddenly charged off. When I contacted customer support, the agent informed me that he was able to see a record that indicated the first and third payments had been scheduled ; however, there was no record of anyone on Capital One 's end having scheduled the second payment. 

The agent filed a dispute over the phone on my behalf. I never heard back from Capital One. The charge-off remained on my account. I tried to call Capital One several times for updates ; however, the agents all gave different excuses for not being able to help me ( i.e. the supervisors are all in a meeting ; the systems are down, and no one will be able to see my account ; everyone had left for the day, etc ). 

I disputed the charge-off through one of the credit bureaus. Capital One responded by saying they'd resolved the issue and that the charge-off was correct.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$3500.00}
Product: Debt collection

Pnc tech support in California in my account diverting my money to there accounts since I got the bank account in XXXXXXXX XXXX XXXX editing my transactions so no be no trace where my money went to changing me for multiple times I told the pnc for months even the president of PNC this is happening to others customers also
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 1925 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 
15 U.S.C 1681 Section 602 A Clearly states that 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 instruction.

15 U.S.C 16666 B. A creditor may not treat a payment on a credit card account und an open-end consumer credit plan as late for any purpose. 
Remove these late fees payments and update this account immediately as you are in direct violation of several laws under The Fair credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. XXXX XXXX
Product: Credit card

I've always made sure that payments on this account are made on time, never letting them become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Mortgage

I was in the middle of the loan modification with XXXX XXXX XXXX when I found out that I was transferred to Seterus. I found out when my attorney called to get the status of the modification. I never received a letter from XXXX notifying me of the servicing transfer. When I call Seterus they were extremely rude and I was told XXXX different things. The XXXX was that on XXXX I spoke XXXX and was told my trial modification payment was {$1000.00} when I asked how they came up with that amount I was told from my original loan application, because they had not received any documentation from XXXX. I explained that my financial situation is very different now, and I was instructed to complete a new financial package - which I have submitted. I was also told that after the trial payments the new modification payment would go back to at least the {$940.00}. XXXX. I also at this time requested a copy of the good bye letter from XXXX and as of today I still have not received. On XXXX I spoke with XXXX XXXX and explained that I could pay half the trial today and the other half by XXXX. XXXX took all of my financial information and then put me on hold. Then XXXX XXXX the manager ) came on the line and said he could n't take a partial payment. When I explained that the payment could be accepted XXXX XXXX XXXX he said he did n't care what XXXX rules where and that Seterus would not accept. He also informed me that the payment was due on XXXX not XXXX as stated in the in my paperwork and that they would not take my payment. Since I was not getting any where we ended the call. On XXXX I spoke with XXXX XXXX who told me that he could take my payment on XXXX for the full amount. XXXX also stated that after the modification was completed the payment would be similiar to the trial payment. Then he said that they waiting on my documents to continue the review, and I reminded him that they were already sent, and then he changed his story and said they had the documents. He also said that the best deal was {$1000.00} and they ca n't offer anything lower. How can they say that when I have n't been reviewed yet? I have lived in this home since XXXX and would like to retain it. I spoke with XXXX different representatives and each said something different. I need to understand what options are available and how I can retain the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been sent two letters to correct inaccurate information on my credit report and I am being ignored. My child support case is closed and they are reporting it as open. Moreover it's also being inaccurately reported as 120 days late for {$0.00} dollars and my monthly payment is being reported as {$0.00} dollars! Please tell me how I can be 120 days late when I owe NO MONEY and my monthly payments were {$0.00}? Makes no sense.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX  XXXX, Inquiry : XXXX XXXX, 2024 XXXX XXXX, Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX, Inquiry : XXXX XXXX, 2024 XXXX XXXX, Inquiry : XXXX XXXX, 2024, XXXX XXXX, XXXX : XX/XX/year>, XXXX XXXX, Inquiry : XX/XX/year>, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX, Inquiry : XX/XX/year>, XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX, XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXXXXXX XXXX XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX  XXXX XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX  XXXX, XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXXXXXX XXXX XX/XX/year> credit reports listed below with the dates attached to inquiries that does not show open accounts XXXX these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Vehicle loan or lease

In the beginning of this contract, I was duped and scammed into signing. Defrauded by all parties, Ally Bank included. Contract written incorrectly naming me as " owner '' instead of " co-owner ''. Co owner, made financial arrangements to pay and insure vehicle, as I was just being used as a " pawn '' and my credit worthiness taken advantage of. Now my credit is totally ruined, driver license suspended, I have asked Ally loan department to take my name off of this loan and or repossess the vehicle because I never promised or made any agreement, promises to pay a XXXX on this loan. The co-buyer is playing games with Ally, paying just enough to keep loan going, but in the arrears with payments, ruining my good credit. I have no keys to vehicle, never driven vehicle, do not have posession of vehicle, loan application was falsified by co-buyer regarding truck 's location or address. Pls help. Ally, since 2023 not willing to help