23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXX XXXX # XXXX15 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: Credit reporting or other personal consumer reports

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported. 

1 ) Balance 2 ) Origination Date 3 ) Date of last action/activity 4 ) Date of last payment These are all inconsistent over XXXX, TransUnion, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the reporting of the following account on my XXXX XXXX Experian credit report, as it contains inaccurate and unverifiable information in violation of federal law. Account Name : XXXX XXXX XXXX Account Number : XXXX Pursuant to 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to cease collection activities unless and until they provide proper verification of the alleged debt, a copy of any judgment, or the name and address of the original creditor. To date, I have not received such verification for this account. Therefore, it must not be reported on my credit file without proper validation. Additionally, under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure that all reported information is 100 % accurate across all three major credit bureausExperian, XXXX, and XXXX. If this account is not verifiably accurate, it must be promptly removed from my credit report. I request that XXXX immediately investigate this matter and provide verification of the alleged debt. If verification can not be provided in compliance with federal law, I demand that this account be permanently deleted from my credit file. Please provide a written response confirming the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY NAME IS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I AM MAKING THIS COMPLAINT BECAUSE IN MY CHEX SISTEM REPORT IT APPEARS THAT I HAD A CHECKING AND SAVINGS ACCOUNT WITH MULTIPLE BANKS. BUT I DON'T RECOGNIZE THOSE ACCOUNTS OR THE BANKS, SOMEONE ELSE STOLE MY ID AND PERSONAL INFORMATION TO OPEN ACCOUNTS FRAUDULENTLY, I MADE AN IDENTITY THEFT REPORT TO SEND IT TO YOU AS PROOF THAT I AM A VICTIM OF IDENTITY THEFT PLEASE DELETE THESE ACCOUNTS OF MY REPORT, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX. I NEVER HAD AN ACCOUNT WITH THESE BANKS..
Product: Mortgage

The eye of Hurricane Harvey came through here on XXXX XXXX. U.S. Bank holds my mortgage and now also the insurance claim monies awarded by XXXX XXXX XXXX XXXX. U.S. Bank is refusing to release the money so I may continue restoring my house. At their instruction I have submitted endless piles of paper, including reconstruction contracts and even cancelled checks. Their intentions clearly are not honorable. Their representatives on the telephone refuse to disclose their names or transfer my call to a more knowledgeable person. This has now gone on for over three months and we are financially desperate. Matters are at a total impasse. In my opinion this continuing refusal to release funds constitutes theft. Twice I have been promised money if I will just take specified steps. Both times I complied, only to have more indefinite delay placed in my path. The creditability of U.S. Bank is at zero.
Product: Debt collection

XXXX XXXX. They sold the account some XXXX times over and was paid through my taxes. Each time they update it per your law that states Federal Law FCRA 623 ( a ) ( 5 ) cb ( iii ) Pursuant to CA law they are going beyond the statue of limitations as well ( full disclosure act XXXX ( 3 yr statue of limitation. This is year 7 It is listed as XXXX XXXX sold to Midland Funding another new date of XXXX was taken off on XXXX and then finally sold a XXXX time to XXXX and started a new date of XXXX. They have yet sold it again to a company out in XXXX, CA All of this is illegal and they are not following federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never used my credit to apply for any car loans or credit cards. I never gave any of these companies to run my credit report for loans ; car loans ; and all other hard inquiries. 


U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERA to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE + to report anything on my consumer report which violates my rights as a federal proted consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I was contacted by a random company saying that I owed {$11000.00} to Wells Fargo. I have not had an account with Wells Fargo for over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting late payments on two of my student loans in 2019 during the COVID-19 Pandemic. I applied for a deferment. However, the deferment has not been applied to the months reporting as late. I am on an Income Based Repayment plan. My current payments are {$0.00} per month. When disputed with the credit bureaus Nelnet has confirmed the reporting and has updated my account as " In Deferment '' though at least one account appears to be incurring interest while in this status. Your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having an identity theft issue on my report for an account from the XXXX that I'm not legally responsible for based on fcra section 609 I'm not the holder oF this account and have requested the original contracts please assist me in getting this resolved
Product: Debt collection

inaccurate information on my credit report. a active account is open that was included in my bankruptcy. I have tried to contact this company several times myself to no avail. this account should no longer be on my credit report as it was included in my bankruptcy and it should not be showing active
Product: Payday loan, title loan, personal loan, or advance loan

I already paid off this loan but still on my credit report and I want to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I am filing this for myself and not anyone else.
Product: Credit card

XXXX American Express Card XX/XX/2024 XXXX  Call : I called to ask about my credit card balance because the numbers weren't adding up. The woman on the phone told me that I had been overpaying, and my balance in my XXXX XXXX  Account is {$9700.00}. She told me that the only way I can access that money is to skip two months of payments ( XXXX and XXXX ) and pay the third month ( XXXX ), and continue doing this until all the money in my XXXX XXXX Account was used. During the two months that I don't pay, the minimum amount due will be taken from my XXXX XXXX  Account. Then the interest on the rest of my account balance would accrue and be taken out of my XXXX XXXX Account. Once I deplete the funds in my XXXX XXXX Account, I can opt out of the XXXX XXXX Program. If I overpay again in the future, they will send me a check. 

XX/XX/2024 XXXX  Call : I spoke with a man and told him I would like a check for the full amount that is sitting in my XXXX XXXX  Account, {$9700.00}. He confirmed that I do have that balance in my XXXX XXXX  Account. He said he can not issue me a check. He said the money in the XXXX XXXX  Account was being applied to my ending balance. I asked him where in the statement it shows that the ending balance is paid from my XXXX XXXX Account, and he referenced the paragraph at the bottom of the statement. I pointed out that that paragraph has no dates, no numbers, and so I have no way of tracking anything that is happening with my money, nearly {$10000.00}, sitting in that account. I said there are no line items on any of my credit card statements that reference the XXXX XXXX Account. Again, he referred me to the paragraph at the bottom of the statement. When I wasn't satisfied, he wanted to read me the paragraph out loud. I told him I have read the paragraph numerous times, and that it doesn't provide any of the information that I have been told about the XXXX XXXX Program today. I told him that it sounds like I am not going to be getting a check for my money, so I will begin filing complaints and contact my attorney. He continued trying to convince me of the validity of the XXXX XXXX XXXXXXXX, but I hung up.
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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Account name : XXXX XXXX  # : XXXX Account name : XXXX XXXX. Account # : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7200.00}
Product: Debt collection

Online dating site XXXX. I signed up. And was not happy with there products. It was not as advertised. I requested a refund. I didn't receive adequate response. So, I made a complaint to my bank. They are trying to charge me for services. I didn't use nor do I no longer want.
Product: Debt collection

Doctor medical center File # XXXX, XXXX XXXX CA XXXX Send me bill for XXXX as final bill on XX/XX/year> for past procedures. I called them to make a payment plan but they told me they will give be discount if want to pay today. Told me 30 % but gave me discount of XXXX. Now sent the same bill for collection. Because it was on phone I just trusted them to pay in full. Now any time I call I am being directed to collection agencies. I paid XXXX out XXXX and only services was given XXXX XXXX for XXXX XXXX and PA not a doctor gave me the diagnosis that I am XXXX XXXX. I was sitting in waiting room all the time.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries have been recorded on my credit report, violating 15 USC 1681c-2. I request their prompt removal.
Product: Credit reporting or other personal consumer reports

VIOLATIONS In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

Summary of Accounts being challenged in list form 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a collection for XXXX on my credit file. I did not know about this debt until I checked my credit file. I did not receive any notices or any phone calls about this debt. I called and paid this debt as soon as I seen it on my credit report. However, I did not get my 30 days right to dispute notation.
Product: Debt collection

I am writing to formally dispute a fraudulent account that was opened in my name without my knowledge. The account listed under, XXXX in the amount of {$240.00} is currently being reported by XXXX XXXX to the credit bureaus. This account does not belong to me and was opened without my authorization I Have been living In Maryland since XXXX XXXX the account shows that it was opened XX/XX/XXXX, XXXX at that time, I was living at XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX which is located on my driver 's license in an attached file. XXXX is a utility company that based in Michigan. 




XXXX : In XX/XX/2024, I first noticed the fraudulent account when reviewing my credit report. 

On XX/XX/2024, I filed a dispute on XXXX. 

On XX/XX/2024, I contacted XXXX XXXX to dispute the debt, but I have yet to receive any confirmation of resolution. 

Impact : This fraudulent account has caused a significant drop in my credit score, affecting my ability to secure a loan and causing undue stress. The continued reporting of this incorrect information is negatively affecting my financial health.
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion the credit companies are all reporting inaccurate in my credit report. 15 US Code 1681i ( 5 ) states that removal of Inaccurate/ invalidated credit information. I have sent letters to all three credit companies and have not gotten a response in 30 days. They are reporting late payments on my credit report without my consent. 15 US Code 1681a states that this is a law, and it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am MORTIFIED! Recently my Capital One Secured Credit Card account ( ACCOUNT # XXXX ) was inexplicably closed without my request or initiation and furthermore Capital One refused to refund my money that I opened this account with. Capital One claims it was opened fraudulently through an alert from XXXX, XXXX, and XXXX. Representatives from the Credit bureaus claim they received a request to remove the account but no such request was ever made! 

This account was opened in XX/XX/XXXX with funds sent directly from my bank account ( {$500.00} plus startup fees ) and the card has had no late payments and automatic deductions from my bank account. The automated phone teller stated the account was deactivated XX/XX/XXXX but I made a payment of {$220.00} on XX/XX/XXXX ( which brought my account balance to {$0.00} ). I also applied for a credit increase on XX/XX/XXXX and received correspondence on XX/XX/XXXX. 

I have records of everything. I have spoken to representatives from all four companies and no one is willing to rectify the situation especially Capital One. How can a SECURED credit card with a stellar history be fraudulent and the customer treated dishonorably?? It was setup with MY MONEY! I am vehemently requesting that my account be completely reinstated and reported to all XXXX major credit bureaus. I did not request it to be closed and did nor report any fraud to Capital One or the Credit bureaus! 

I am sending this letter to Capital One Bank, XXXX, XXXX, XXXX, Consumer Financial Protection Bureau, Ohio Attorney General and affiliates. Also my attorneys are looking in handling this matter with a lawsuit if not handled in a timely manner.
Product: Debt collection

I purchased items with Affirm totaling {$940.00} and put a down payment of {$280.00} on the purchase. 

My first payment came due XX/XX/2023. 

I am experiencing some financial trouble right now and have been unable to pay. I have not answered any calls and the calls have become repetitive from several different numbers to the point where it is harassment.

Over the span of 7 days I have received 8 or more calls. Please be advised creditors who contact or attempt to contact an individual more than 7 times within a 7 day period are presumed to be in violation of the FCRPA.
Product: Credit card or prepaid card

I made a payment on XX/XX/21 and they confirm that they have received payment on that date but claim that it is on hold for security reasons and that hold will be released after 21 days from payment.
Product: Checking or savings account

I initiated the dispute because I did not receive the goods or services promised for these transactions. The merchant, XXXX, confirmed in writing that they are unable to fulfill the purchases and can not issue refunds due to a hold placed on their account by their payment processor, XXXX. Attached to this letter, I have provided the following evidence : 1. Email correspondence from XXXX ( dated XX/XX/2024) stating they can not fulfill services or issue refunds. 2. Confirmation from the merchant that funds are being held by their payment processor and advising customers to dispute the charges with their banks. 3. Documentation from XXXX, provided by XXXX, explaining their inability to process refunds. These communications clearly indicate that the merchant has not and can not fulfill the transactions, which constitutes a failure to deliver goods or services. Applicable EFTA Regulations : Under the EFTA ( Regulation E ), I am entitled to certain protections as a consumer : 1. Proper Investigation : Financial institutions are required to investigate disputes thoroughly and resolve errors within 10 business days. If more time is needed, they must provide provisional credit while continuing the investigation. 2. Valid Dispute for Non-Delivery : The non-receipt of goods or services is considered an error under the EFTA, and I have provided sufficient evidence to demonstrate that the goods/services were not received. 3. Written Explanation : If a dispute is denied, the institution must provide a written explanation detailing the reason and evidence relied upon for the decision. Based on the evidence and correspondence from the merchant, I believe that Chime 's denial of my dispute does not comply with the EFTA, as it appears the claim was not properly investigated, and no explanation was provided to refute the documentation I submitted. Request for Reconsideration : I kindly request that Chime re-investigate my dispute and issue a refund for the disputed amount of {$690.00}. I have provided additional evidence with this letter to support my claim. Should Chime find that my dispute is still not valid, I request a detailed explanation, as required by Regulation E, including the specific evidence used to make that determination. If this matter can not be resolved, I may escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with the EFTA. Thank you for your prompt attention to this matter. I trust Chime will act in accordance with its obligations to provide fair and thorough resolution of disputes.