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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX XXXX XXXXXXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Charge-Off Status and Balance Discrepancy The account is reported as " charged off '' with a balance of {$3700.00} while also showing " {$3700.00} written off. '' This is contradictory and violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy.

Incorrect Payment History The report reflects ongoing charge-offs in XXXX and XXXX despite the account status being closed in XXXX. Reporting charge-offs post-closure is inaccurate and misleading.

Unverified Ownership and Account Closure Reason The comments state that the " Account closed at credit grantor 's request. '' However, no proof has been provided that XXXX XXXX XXXX  had the right to continue reporting past the account closure date. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute letters to Equifax, XX/XX/XXXX, and XX/XX/XXXX disputing an erroneous bankruptcy that is being reported. The credit bureaus have failed to provide the necessary validation to keep the bankruptcy on my credit reports. I have attached the latest dispute letters and have provided the certified mail receipt numbers as evidence. 

Certified mail receipt numbers : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Product: Debt collection

Requesting proof of debt validation notice. Needs to be certified mail within XXXX buisnsss days of purchasing debt or immediately delete as it is effect my ability to obtain credit.
Product: Credit card or prepaid card

There are multiple Charges From Online Suppliers by the name XXXX XXXXXXXX XXXXXXXXl I have called the owner of company and as the trans action was denied the company repetitively charged card for a total {$110.00} For the Past three months XXXX XXXX I asked to be reinstated due to stolen card and fraudulent charges and they transferred me to another country and they denied me over the phone which is completely unfair and violation of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 and the Fair Debt Collection Practices Act 15 U.S.C 1692 Caine & Weiner has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 

I did not provide Cainer & Weiner with written instructions to furnish any account on my credit report, this company is violating my rights continuously. 

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

I demand Caine & Weiner cease reporting this account to my credit report and delete the item immediately or I will file for litigation for the stress your company has caused me.
Product: Credit reporting or other personal consumer reports

They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. Original Contact was XX/XX/24 at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. Account in question : AMEX account number XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> me and my mother XXXX XXXX allowed XXXX XXXX XXXX at XXXX run credit checks on are credits for services that she didnt complete which was helping us get a loan to purchase a home my mother XXXX emailed and even set up a phone interview for services early XXXX and no calls were returned I would like This credit inquiry removed so we could go elsewhere to purchase a home she would not continue business with us which was very disappointing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in disputes to XXXX, Experian, and XXXX about these fraudulent inquiries on my report. XXXX keeps informing me about their policies and stating that they can not remove fraudulent accounts unless I contact the creditor. The point is that I have never contacted these creditors for an account in the first place. I also think that since they wish to continue reporting these inquiries as they are unlawful, they should pay the {$1000.00} per violation according to the following guidelines in the FCRA : 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 15 U.S.C 1681 Section A. States I have the right to privacy 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.
Product: Checking or savings account

Wise denied a direct deposit to XXXX XXXX on XX/XX/XXXX for {$4200.00} to pay a credit card statement with no explanation. 
Wise then denied an outbound transfer to my own bank account for {$1900.00} on XX/XX/XXXX, which would have been used with other funds to pay this statement. 
Wise sent an email on XX/XX/XXXX accusing me of violating the acceptable use policy, stating I was potentially residing in a country they do not support. Wise asked for details related to my transactions, which had nothing to do with this country, and I provided such information explaining the transactions made. 
Wise responded the same day with a generic email not addressing any claims I made, stating I had violated the acceptable use policy. 
I responded twice more on XX/XX/XXXX, first explaining the transactions once again with contextual information ( XXXX XXXX does not allow card usage in the country mentioned by Wise, XXXX no transaction could directly or indirectly related to the country stated ). 
I then plainly stated for the first time in a second email that I wished to close my account, but could not, as Wise would not allow account closure without me initiating a transfer, while denying all transfers. 
I also additionally made a new email chain on XX/XX/XXXX with Wise support myself outside of the email chain with the initial accusations plainly stating I'd like my account closed and funds transferred, or to be allowed to do this myself. As of XX/XX/XXXX this has not received a reply. 
I then wrote to Wise support on XX/XX/XXXX that I wished to close my account. Wise support would not close my account, but did state that all blocks related to the previous matter had been cleared. Wise support stated that the only reason my transfers were blocked was due my own failure to respond to the initial accusations made by Wise, which Wise support later acknowledged to be false in that conversation, and contextually appears to be false based on later replies by Wise via email. I attempted to transfer {$6000.00} to a new institution, and this was subsequently denied on XX/XX/XXXX. Wise 's only substantial response to my requests in the customer support chat was to block my access to the customer support chat, restricting my contact options to email or phone calls. 
On XX/XX/XXXX, I called Wise support, and asked to close my account and transfer my funds. Wise support did not do this. Wise support instead stated that I would be allowed to transfer my funds and close my account. I made a transfer on XX/XX/XXXX for {$6300.00} to my own bank account. 
On the same day, I received a response from the original support thread accusing me of violating the Acceptable Use Policy, wherein Wise again stated that all transfers will be denied until I answer more questions from Wise. I answered this questions and again requested to close my account with no response.
Product: Debt collection

XXXX XXXX XXXX is out of Compliance. 

I have never lived at XXXX XXXX XXXX XXXX XXXX 

According to 15 U.S.C. 1681e, this collection agency has not provided documentation as to how my information was obtain.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ; Validation and Verification. 

The account number is # # # # # # XXXX XXXX XXXX XXXX does not have a license to place collections in Georgia, according to XXXX XXXX XXXX. Please delete this collection from my credit report.
Product: Credit reporting or other personal consumer reports

Someone else auto loan is currently reporting on my credit report. Which making it hard for me to get approve for auto loan nor I'm I able to veer my credit report
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX there was a debt collection owed in my name for {$250.00} for " XXXX '' internet services through eastern account system. This was an internet provider that I had used when I lived in Georgia from XX/XX/XXXX- XX/XX/XXXX. In XX/XX/XXXX I cancelled my internet plan and turned in my equipment and from that date to XX/XX/XXXX I was stationed in XXXX XXXX. I have never received any formal notice from the company or the debt collector that I owed this amount of {$250.00}. I used my banks credit score checker to see that I have never had any bad remarks on my records for years, this wasn't until I applied for my XXXX XXXX card in XX/XX/XXXX and saw that I was denied due to my FICO score being too low. While my banks credit score shows I was in the clear however, FICO showed a debt of almost 3 years unpaid. Since this discovery I paid the debt off immediately and tried to dispute the case through XXXX I have waited almost a month for the results to find out there are no changes to the report. I called Eastern Account System and told them the situation and since they told me I paid the debt there was nothing they can do about it. I believe this is unfair and unjust due to the fact that there was never any action taken for these companies to reach out to me. No phone call, email, or a mail to any of my addresses on my credit record. I called to see if I can dispute this case off of my credit report and they told me there is nothing they can do for me. I am writing this because I feel this is not fair, I have done everything to pay my bills and my credit cards off on time and this unpaid debt of 3 years is not a mistake of my own but the debt collector and the internet companies lack of communication with me. I can not show physical proof that these companies haven't reached out to me because there is no physical evidence whatsoever except for the case I created through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in dispute letters, affidavits and still no one at the bureaus have corrected nor Removed the negative reporting that is affecting my credit score this affect my life I am unable to obtain a loan for a home I am unable to be approved for a credit card this is hindering my livelihood in the livelihood of my family has currently we do not have a vehicle because I can I get credit approval
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Please see attached - I was a victim of identity theft and there's fraud on my credit report I need to have resolved as soon as possible as its damaging my credit. 

Attached to this is : - My written complaint - My drivers license - My social security card - My address - Federal Trade Commission - Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet no longer services my student loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government student loan servicer is XXXX with a total debt of {$140000.00}. The old Nelnet account is part of this. They need to remove the {$63000.00} Nelnet account. I have documents from my Nelnet account to prove this. The credit bureaus should be able to access this information.
Product: Debt collection

I began receiving daily phone calls from XXXX ( a New Jersey number ) on XXXX. This is a number I do not recognize, and when I pick up the phone the response is silence even after waiting a few moments. I looked up the phone number online and apparently the phone number is coming from a company called Southwest Credit Systems but I have no confirmation of this directly as no one speaks on the phone when I answer the call. So far the phone calls have occurred on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

It appears this company is a collections agency. I checked all XXXX credit bureaus and all of my bills are paid in full with no issues.
Product: Credit reporting or other personal consumer reports

Complaint Summary : " I am filing this complaint against TransUnion, XXXX XXXX XXXX, and XXXX XXXX due to ongoing issues with inaccurate, unverified information on my credit report, despite multiple efforts to resolve these matters. Specifically, I am challenging TransUnions failure to act according to federal regulations concerning identity theft and fraudulent debt reporting. 

As mandated under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow strict guidelines regarding identity theft claims. According to the FCRA 's five-day rule, once a consumer submits an identity theft report ( such as an FTC affidavit ), the credit reporting agency must remove fraudulent accounts from the consumers report within XXXX business days if the items are disputed. I previously provided TransUnion with an FTC affidavit detailing identity theft issues related to debts and accounts that do not belong to me, which were added to my report without my authorization. Although XXXX and XXXX promptly removed these fraudulent items following receipt of the FTC affidavit, TransUnion has failed to do so, leaving these damaging records on my credit report unjustly. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) imposes obligations on debt collectors to report only accurate information and prohibits deceptive or abusive practices. In this case, XXXX XXXX XXXX and XXXX XXXX have reported debts linked to an address I have never lived at, claiming utility use in my name at an abandoned property. These agencies refusal to correct false information after being notified constitutes a deceptive practice under FDCPA Sections 807 and 808. 

Further compounding this issue is a disputed loan still reported by XXXX despite active litigation over the loans legitimacy. By continuing to report this loan in the middle of an unresolved legal dispute, XXXX is jeopardizing my credit report 's accuracy and violating the FCRAs accuracy provisions. 

Despite my prior efforts to address these issues, TransUnion has disregarded its legal obligations by not honoring my identity theft affidavit and not removing unverified debts. I am requesting that the CFPB investigate these ongoing violations by TransUnion, XXXX XXXX XXXX, XXXX XXXX, and XXXX. I also request that the CFPB enforce corrective actions compelling these entities to immediately remove any unverifiable or disputed debts in compliance with FCRA and FDCPA standards. Additionally, I seek assurances that my consumer rights under these laws will be fully protected from further violations and extortionate practices. ''
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 NUMBER : 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 XXXX XXXX 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 CREDIT BUREAU 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 collections 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: Payday loan

I never took out an ace payday loan and they keep telling me my wages will be garnish and I owe them
Product: Debt collection

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Product: Checking or savings account

i am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrespresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX capital one XX/XX/XXXX to whom it may concern : your company is in clear violation of the fair credit reporting act.

15 usc 1681i ( a ) 6 ( B ) 3 WHICH GIVES ME A RIGHT TO ASK FOR INVESTIGATION PROTOCOL 15 usc 1681i ( a ) ( 5 ) B WHICH GIVES ME THE RIGHT TO CHALLENGE REINSERTION OF NEGATIVE ACCOUNT WITHOUT PROOF OR NOTICE THAT THEY WHERE REINSERTING DISPUTING ACCOUNT AS YOU CAN SEE IN MY PREVIOUS LETTER I ASK FOR PROOF THAT I WAS LATE AND I ASK FOR THE METHOD OF VERIFICATION AND SAID COMES CAPITAL ONE XXXX XXXX AND XXXX REFUSE TO OBEY THE LAWS OF THE FAIR CREDIT REPORTING ACT.
Product: Credit card

Synchorny bank lowerinf credit limit after paying down balances. I recently submitted a complaint with CFPB about being reported late. I have had a number of accounts with Synchrony. I advised them that their history must be wrong. I habe not had any problems with all of my other Synchrony accounts. Shortly after filing the complaint with CFPB Synchrony lowered my credit limit on my banana republic card. I then closed the account as the new limit was {$100.00}. You can not purchase much with that limit. I then filed a started litigation against Synchrony bank. Last week i paid down balances on a few of my Synchrony accounts. While checking my credit report tonight I noticed that Synchrony now lowered my credit limit on my Lowes card. I recently paid the account down from 68 percent to 2 percent. I guess since they can not make money off of me with zero to low balances they take it upon themself to lower yoir credit limit. Had i known that they would lower my credit limit once i paid the account down i would have paid the money on a different bill. This now affects my utilization scoree. I have been faithful with my Synchrony accounts with no 30 days on any of the accounts except for whatever mix up with the Banana Card. I closed the lowes account after learning of the decrease
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute for the 3rd time! the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX XXXX Account XXXX Date XXXX Balance {$7300.00} Name : XXXXXXXX XXXX Account XXXX Date XXXX Balance {$460.00} Name : XXXX XXXXXXXX XXXX  Account XXXX Date XXXX XXXX {$130.00} Name : XXXX XXXX XXXX Account XXXX Date XXXX Balance {$14000.00} XXXX believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, XXXX XXXX