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

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name ( XXXXXXXX XXXX ) Account Number ( XXXX ) It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX ACCOUNT In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  ACCOUNT # XXXX, has violated my lawfully federal protected consumer rights of privacy and confidentiality under 15USC1681 15USC1681 sec 602A says I have the rights to privacy 15USC1681 sec 604A sec2 says a consumer reporting agency can not furnish a account without my written instruction I told Experian XXXX XXXX XXXX and XXXX to re-investigate this account : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also, There are several Inaccuracies on account starting with Date of Last Activity and lets not forget that they never gave me my 1099-C that they filed for this XXXX XXXX charge off on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Reported collection that doesnt belong to me. I was a victim of IDENTITY THEFT. Account was open in XX/XX/2019. I reported to the company they still have not removed it. 


XXXX XXXX XXXX card Account doesnt belong to me contacted asked them to remove still not removed
Product: Checking or savings account

I XXXX  XXXX in order to change my info. I called the number and was asked by the person to download XXXX on apps. so that he could walk me through it. He had me pull up my account, and asked what bank was used for it. I told him. By the end of the call, he had gotten my banking code number and somehow used my XXXX to send money through Zelle. I've never even heard of Zelle. 
He took {$170.00} out of my account. I'm on XXXX, so that was all the money that I had until XXXX. 

The phone number they used was : XXXX, and the money was deposited to XXXX XXXX 's account. 
Transaction # XXXX on XX/XX/2021
Product: Credit card

I had a balance of {$56.00} on my tomo credit card. They send me an email last year to resolve it by setting up automatic payments so I set the payments up through my XXXX XXXX account and they take {$25.00} out every Monday and the balance has been paid off since then and they continue to debit my account. I have contacted XXXX to change my XXXX XXXX number, but they are not able to do that. Ive contacted tomocredit Multiple times they do not have a direct line and Ive emailed the email that they have listed and they have not emailed me back. Ive sent them photos of the charges. Theyve overcharged me a few hundred dollars now when my balance was only {$56.00}. Im not sure what to do at this point. Ive tried to contact them multiple times. Ive reported them to the XXXX XXXX XXXX and now I am reporting here to hopefully get some help with closing the account and getting a refund for the overcharge that they have done.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX .P. XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Americas XXXX XXXX Floor New York XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Floor XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and noticed that XXXX XXXX XXXX is attempting to collect a debt in my state, but they do not have the legal authority to do so. Based on my research, this company appears to be closed, making it impossible to properly validate the alleged debt. I have never received any documentation regarding this account, such as the original contract proving I owe the debt or a transfer agreement, including a bill of sale. Despite this, XXXX XXXX XXXX has reported the debt to the credit bureaus, defaming my character and violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activities until the debt is validated by providing sufficient documentation, which they have failed to do. Additionally, reporting unverified information to credit bureaus is a violation of the FDCPA, as established in Jackson v. Experian Information Solutions , Inc., XXXX XXXX XXXX ( XXXX XXXX XXXX ). This also constitutes an unfair and deceptive practice under 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representation of debt collection. 

Their continued reporting of this unverifiable debt has defamed my character and caused harm, consistent with the principles in Heintz v. Jenkins, 514 U.S. 291 ( XXXX ), where the Supreme Court reinforced that attorneys and entities involved in debt collection must comply with the FDCPA. 

I am requesting the immediate removal of this account from my credit report and that all personal information be returned to the original creditor. This is not an attempt to validate the debt but to report XXXX XXXX XXXX for their violations of federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

please take off these address i sent a complain about a year ago and no actions have been taking. please delete these addresses from my credit profile. 
XXXX XXXX XXXX XXXX md XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX also XXXX XXXX XXXX Only right address is XXXX XXXX XXXX these go against Accuracy and Integrity : The Fair Credit Reporting Act ( FCRA ) in the United States requires credit reporting agencies to maintain accurate and up-to-date information in consumer credit reports. This includes ensuring that addresses associated with an individual 's credit report are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my consumer report that should not be there. XXXX XXXX XXXX XXXX ( XX/XX/2022 ).
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings with Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Two previous complaint had been filed against XXXX, XXXX which had issues a credit card without consent or authorization. XXXX XXXX ; XXXX had illegally obtained credit file of a US Citizen without the consent of sending credit information out of the United States. 
Said bank had issued a credit card with different terms of credit and duplicated most of the charges of the FULLY PAID XXXX CREDIT CARD WHICH WAS ISSUED IN THE UNITED STATED UNDER A DIFFERENT CREDIT TERMS AND NUMBER!!! It is an identity fraud as well as lending fraud which has been previously complained about and seemingly resolved, as MYSELF provided the credit reporting agency, XXXX, the documentation of the US credit card, check of full payment of balance of the same card, carrying a different number what the XXXX, XXXX card has shown. My credit files were frozen for a period of SIX MONTHS. Now another agency, Cawley & Bergman LLC of XXXX, XXXX XXXX has taken this account and trying to collect a fraudulantly issues credit card balance and charges which had been paid on a different US account. 
I respectfully request to check license number of this crook organization and demand a fine of {$5000.00} as the case had already been resolved or currently waiting the proper fine from the Comptroller of Currency!!
Product: Credit reporting or other personal consumer reports

TransUnion is still reporting outdated information and inaccurate spellings or misrepresentations of my legal name.
Product: Money transfer, virtual currency, or money service

THIS IS NOT A DUPLICATE COMPLAINT! 
THIS IS AN ONGOING ISSUE OF FRAUD WITH COINBASE THAT NEEDS TO BE HANDLED BY THE XXXX. 
DO NOT LET CB FRAUDULENTLY CLOSE OUT THIS CASE BY CLAIMING IT'S A DUPLICATE. 
Once again, CB has stopped paying me my staking interest on XXXX. 
CFPB- I will also be handling this with the SEC, DOJ, and FTC since you allow companies to close out complaints without even responding. 

XXXX XXXX - shows that I only had a tiny bit of XXXX  staked in XXXX XXXX, then I added over {$900.00}, but was still being paid for the tiny bit of XXXX. It took me filing a complaint- because CB customer service is NON-EXISENT - in order to start getting paid the correct amount of interest. 
Plus, CB is so sketchy they had removed all dates and times of when interest was paid. 
I complained about that and it has been added.

CB NEVER paid me the back interest I was owed. 
XXXX XXXX - shows where they finally started paying me the correct amount. 
XXXX XXXX - shows where I staked the new amount but did not get paid the correct interest. ( referring to XXXX XXXX & XXXX ) Pic XXXX - shows that I have not been paid interest since XX/XX/year>, yet I'm supposed to be paid interest every XXXX days per CB. 
Granted we aren't talking about a lot of money, but they think they can get away with doing this to everyone. So it does add up to a lot of money when they're stealing from so many customers.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name 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

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be blocked and deleted from my credit file : Unauthorized Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Unauthorized Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Vehicle loan or lease

I, XXXX XXXX, finance a XXXX XXXX XXXX on XX/XX/XXXX for XXXX through XXXX XXXX XXXX. The interest rates the company was charging is 25.00 % added onto my loan. When my loan ends my total price of the vehicle will be XXXX. For the state of Indiana the legal rate is 21.00 % and 25.00 % is over way the limit. This limit qualifies as a usury. Since XX/XX/XXXX I have been trying to trade in my car because my family has expended and I can not due to the outstanding balance still on my loan. In the process of doing so, a dealership manager made aware that the loan institution has rates the interest rate even more on loan 00.39 % more which makes the interest rates at 25.39 % now. I have reached out to XXXX XXXX XXXX, they have did nothing to fix this situation. I have reached out to lawyers and they all stated this is against the law. All I want the XXXX XXXX XXXX to do is lower my rates or let me out my car loan so I can get into a vehicle that is affordable and efficient for my family size now. As of XX/XX/XXXX, I still owe over {$14000.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies listed below did not notify me before placing these accounts on my credit report. Experian, XXXX, and XXXX has not responded to my request to verify these accounts. I have not received any information from these companies in reference to these accounts.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Debt collection

Ally Financial Inc failed to disclose my right to rescission. 

I have brought it to their attention and still have not received any documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX , who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to XXXX  for each incorrect entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX XXXX
Product: Debt or credit management

Lvnv funding furnished inaccurate information to a third party debt collector/attorney XXXX XXXX XXXX trying to collect on an alleged debt and take me to court. On my consumer report it states XXXX they put XXXX. I dont know of any debt. I wrote them back stating the violations they both are in.it is a closed account and STILL reporting. According to 15 usc 1681 ( a ) and 15 usc 1692c ACCURACY is a must on the consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX. 
Account # : XXXX Account name : XXXX XXXX Account # : ending in XXXX XXXX number ending in XXXX Have violated my rights. 

15 USC 1681 section 602 A, states that I as a consumer have a right to privacy.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of criminal convictions which antedates the report by more the 7 years.

Both of the listed parties have illegally reported damaging adverse items on my credit report and it has since led to me being discriminated against from other creditors as stated in 15 USC 1681c. ( a ) ( 5 )
Product: Credit reporting or other personal consumer reports

The account was open on XX/XX/XXXX XXXX XXXX. You are reporting that the account is closed in charged off but are stating there are late payment after the closed dates of XX/XX/XXXX. Which is inaccurate and illegal.you are also reporting that the last payment date is XX/XX/XXXX when that is not accurate as well when it is clearly showing the last payment was XX/XX/XXXX. You guys have sent me letters stating that you investigated and reinvestigate my account which was false. This account is XXXX yrs andXX/XX/XXXXmonths old which should have been removed. According to the Fair credit Reporting Act, I can sue for damages to my credit report up to XXXX to XXXX dollars .for each inaccurate item on my report you have been violating for past 8 years. I need all accounts deleted as soon as possible including the XXXX accounts as well. This is the XXXX time I have disputed these accounts which causing stress. If not removed I will be taking action with a lawsuit under the Fair credit reporting act. Accounts numbers XXXX XXXX XXXX XXXX
Product: Debt collection

Was looking on my report saw a bill from a collection agent knowing that I have insurance for seventeen years call up the doctor they get paid call the insurance company the said nothing was sent to them and this was from the year 2011 the company say there 're going to look in to the problem