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

XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date : XX/XX/year> Experian Dispute Center XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Reporting of XXXXXXXX XXXX Account Dear Experian, I am writing to formally dispute and escalate my concerns regarding the inaccurate reporting of a XXXX XXXX  account ( Account Number : XXXX ) on my credit report. Despite disputing this account for over two years, Experian has failed to investigate or correct the inaccuracies, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Issues with the Account Reporting : 1. False and inconsistent reporting : The payment history for this XXXX XXXX  account includes multiple CO ( charge-off ) designations over consecutive years ( XXXX ) without proper verification. 
2. Inconsistent and missing data : The payment history also includes repeated ND ( no data ) entries, which demonstrates incomplete reporting and a lack of proper recordkeeping. This further violates FCRA guidelines.

Violations of the FCRA : 1. Section 611 ( a ) ( 1 ) ( A ) : Credit bureaus are required to investigate disputed information and verify its accuracy in a timely manner.

2. Section 607 ( b ) : Credit bureaus must maintain maximum possible accuracy in the information they report.

3. Section 609 ( a ) ( 1 ) : Consumers have the right to complete and accurate information on their credit report, which is not being provided here.

Actions Requested : 1. Immediate removal of this XXXX XXXX  account from my credit report due to its false reporting, inconsistent payment history, and missing data. 
XXXX. A detailed explanation and documentation of any investigation conducted by Experian to verify this account, if any. 

For over two years, I have attempted to resolve this issue, but Experian has consistently failed to conduct a proper investigation. This negligence has caused significant harm to my credit profile and financial wellbeing. Therefore, I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to ensure that Experian fulfills its legal obligations. 

I expect a written response within 30 days of receipt of this letter, detailing the actions taken to address this dispute. If no corrective action is taken, I will explore further legal options to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your immediate resolution. 

Sincerely, XXXX XXXX
Product: Credit card

Bank of America team member call me this morning regarding I open previous compliant XXXX. She has no good knowledge resolution experience to resolve issue. She did hard search my credits report and score make down XXXX points. She false reported my all credit card late payment and fraud reporting about my credit history. Last 13 years I'm a honorable customer with bank of America and there is no bill due or late payment. She fraudulently report that I'll be paid the fraud charge. Today she call me for agreements I'll not reclaim the merchant fraud then she'll remove collection report from XXXX or credit burau. I believe she is involved this fraud activities, she doesn't know how to deal customer, she pressurized to card user to pay and resolve issue. Actually the bank of America lost the customer due to this poor type of knowledge employees. My feed back the employees call me, she has lack of knowledge and the should not be part of Bank of America fraud department resolution team. I would request to change/ fired her from bank of America claim department . She has no knowledge.

I've no bill due and I've no pending, Bank of America have to have remove the collection as she fraudulently report. She intentionally use employment opportunity to make fraud. She made XXXX point down to false report. Bank of Amrica open case id XXXX for remove my all debit collection.
Product: Mortgage

My mother passed away two years ago my father is struggling to pay the mortgage she XXXX years old hes been paying on our mobile home for 30 years they tried to tell him that he didnt know but if you more years but now they keep sending him a bill saying he owes XXXX and XXXX every month and our mortgage is only {$450.00} a month
Product: Money transfer, virtual currency, or money service

Hi there. My name is XXXX XXXX. Email : XXXX. Contacting you regarding my PayPal case ( XXXX ). 
PayPal transaction ID : XXXX Transaction Date : XX/XX/2022 Transaction Amount : {$1000.00} USD Case was closed without refund and I can't work with PayPal or seller. Before i opened case on PayPal, I have opened return request on XXXX and return was delivered successfully back to the seller on XX/XX/XXXX. As return was delivered back to the seller one of XXXX representative told me that refund was issued and case was closed in my favor, but i have not received any refund notification and after this i have opened case on PayPal. Order was returned with XXXX and signature confirmation was included. I've added all documents on case. Surprisingly, On XX/XX/XXXX XXXX representative told me that refund was issued but i have not received any refund notification. After this ive opened case on PayPal. I received defective item from the seller and i let them know regarding this problem and once return was accepted it was shipped and delivered back to the seller successfully more than 19 days ago. Ive uploaded return tracking information and additional proof of delivery from XXXX. Return was completed with XXXX XXXX service where signature confirmation was included. Case was closed and i have not received my refund. I have contacted PayPal about case resolution but I have not received any response. I wasted my money and item as it was returned. Seller not responding me, nor PayPal. Need your help to fix my problem. Thanks
Product: Credit reporting

I requested my XXXX free credit reports online, and since I could n't answer the questions they gave online, I was instructed to fill out a form and mail it in. I got my XXXX and XXXX reports quickly in the mail, but got a letter from Transunion saying that my current address did not match their records. Since I 've been at this address for four years, and have banking and other accounts at this address, that does n't make a lot of sense to me. However, they are asking that I not only provide my driver 's license, which has my current address and should be enough, they are also asking that I provide them copies of another document such as a cancelled check, bank statement, pay stub, etc. Asking me to provide financial information to prove my address makes no sense to me.
Product: Debt collection

Hello This was placed on my credit reports without any communication as to what this collection is for. I was not sent any information about this collection. Nor sent any information as to if this is my debt. 

I am not familiar with this Business. 

I sent request to have information sent to me regarding what this collection is for and information on amount saying I owe and to whom. 

I am disputing this debt on my credit report as perhaps false.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to to 15 usc 1681a ( 4 ) congressional findings and statements of purpose ( consumer right to privacy ) ( XXXX ) There is a need to ensure that the fairness, impartiality, and a respect for a consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 's 1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Accoun t # XXXX 3 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) untitled collection or charge off- Account # XXXX 5 ) XXXX - Account XXXX XXXX 6 ) XXXX XXXX XXXXXXXX XXXX Accoun t # XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX - Account # XXXX 9 ) XXXX  / XXXX  - Account # XXXX XXXX ) Pref Lease - Account # XXXX Has violated my rights. 

I've sent letters out on XXXX and XX/XX/2023. I received no response or any verified letters.

15 U.S.C 1681 section 602 A. States I Have the right to privacy. 15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 accounts below : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

IC Systems Inc has reported an alleged debt on my credit report that I do not owe them. This debt is hereby disputed and I request validation and proof of claim within 30 days. Per the FDCPA the selling of debt is illegal and I am refusing to pay this alleged debt. I am requesting cease and desist of any negative further credit reporting. Please see the attached documents.
Product: Credit reporting or other personal consumer reports

Clairity bank has made several inquiries on my credit report without my permission. I have not given permission to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, VA XXXX XXXX Applie4d for and job online told failed background check gave me a number to call I that, to date no call back nor told what I failed They me to keep calling for the information, I am a certified Notary I have a background check which I past and two other for jobs I shouldn't have to keep calling for the information XXXX XXXX Reply | Fri XX/XX/XXXX, XXXX XXXX   XXXX Why was I declined, I called and left messages no reply form XXXX XXXX @ XXXX. 

Sent from Mail for XXXX  XXXX XXXX XXXX | Fri XX/XX/XXXX,  XXXX XXXX XXXX, I want to apologize. When we called we were calling from a list of people that had been to our site. For some reason your name was on there. I see where you were declined back on the XXXX. I am sorry about the confusion. I have attached a copy of the email that was sent to you on XXXX about you being declined. I was out of the office that week and did not know. 

XXXX XXXX
Product: Debt collection

Received a letter from attorney with po box in California, but send payment to po box in Texas. For a XXXXyr old adjudicated court case. The letter wanted a large sum of money or actions will be taken against me. The usual ones, garnishment and levies..
Product: Credit reporting or other personal consumer reports

Hard inquires on my report that was never consented by me, but appears on my credit report. 
Names : 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: Debt collection

Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Discover bank is reporting inaccurate information to my credit profile violating the FCRA guidelines as a consumer also the account is identity theft and reporting fraud to my credit profile which is a violation of the FCRA the company can not provide proof of verification I am not responsible for this account the account was deleted and reinserted atfer five days without my knowledge that is also a violation of the FCRA I would like a full investigation and I would like to be provided directly with proof I am responsible for this a debt also I would like this account block and deleted from my credit profile permanently.
Product: Credit reporting or other personal consumer reports

I received the letter from them telling me that my whole identity has been compromised from fraud that they had a Cyber attack my social security number my name my address is phone number I got this letter and nothing was ever done that was a whole lawsuit with the XXXX credit bureau companies that run credit checks and backgrounds under your name Equifax XXXX in the other one I can't remember the names quite often but all three of these companies sent me a letter saying fraud a Cyber attack I even got XXXX from XXXX XXXX  I also got XXXX from XXXX did the apartment of XXXX services and I believe I got XXXX from XXXX more company but I have to look for these letters now is lawsuits and I'm going to do another credit check to make sure nothing else is in my name I've seen of loan I never applied for and I seen some other things this needs to be taken care of and fixed and I need damages they owe me money it's not fair
Product: Credit card

I applied in good faith for the

BARCLAYS Wyndham Rewards Business card. After good faith application had been summited received hard inquiries on my personal consumer credit report through then received a denial notice. If any portion of this application under the application
number : XXXX has been securitized as a asset backed note under securities act of 1934, within the BARCLAYS Bank and/or any other under SEC filled Prospectus, 10-K forms,8-k Forms and or other SEC filings.

we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of hard inquiries from my credit report that were made without my consent or for permissible purposes as outlined in the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, a hard inquiry may only beconducted with the consumer 's permission for a specific purpose, such as applying for credit. As I have not authorized thmese inquiries, I respectfully urge you to investigate this matter and expedite the removal of the fraudulent inquiries from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I EXPERIENCED SEVERAL UNAUTHORIZED TRANSACTIONS, THAT WAS CHARGED TO MY CHECKING ACCOUNT. THESE CHARGES WERE FALSIFIED BY, TME ( XXXX XXXX XXXX ) IN THE AMOUNTS OF XXXX, XXXX,XXXX AND XXXX.THESE CHARGES CAUSED AN OVERDRAFT ON MY ACCOUNT, IN THE AMOUNT OF XXXX. I FILED A FRAUDULENT COMPLIAINT WITH TCF BANK, THE COMPANY PUT ALL OF MY FUNDS BACK IN MY ACCOUNT, HOWEVER, TCF REFUSE TO WAVE THE OVERDRAFT FEE. I SPOKE WITH A BANK REP. AND A MANAGER, WHO REFUSED TO WAVE THE XXXX FEE. IN FACT THE BANK REP. THAT FILED THE COMPLIAINT ( XXXX ) STATED THAT ONCE XXXX XXXX, REFUNDED MY MONEY BACK INTO MY ACCOUNT, THEY WOULD WAVE THE OVERDRAFT FEE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unwanted marketing, spamming Messages and phishing to my business email accounts trying to ruin my business and make me lose my job. So thankful and grateful for those assist me properly because now that I'm doing other things and don't give a XXXX others want to show hatefulness they tell lies
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter certified back on XXXX XXXX making you guys aware of fraudulent information being reported on my consumer report. I received a response that the letter was not coming from me!! Listen my personal information was exposed in a XXXX breach and I believe it has gotten into the hands of the wrong person. After checking my annual credit report AGAIN I still notice fraudulent names, addresses, incorrect Social Security numbers, inquiries and accounts that were not transactions made by me. This needs to be deleted immediately!!
Product: Debt collection

Bounce AI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Reinvestigation Request NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Bounce AI for Violating Consumer Rights Dear CFPB Team, I am writing to formally report that the collection agency Bounce AI is violating my rights as a consumer. I believe their actions contravene several federal laws, specifically : 1. **15 U.S.C. 1681** - Fair Credit Reporting Act 2. **12 CFR 1006.34 ( b ) ( 5 ) ** - Regulation F, which pertains to the proper handling of debt collection communications 3. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** - Regulation F, regarding the validation of debts 4. **12 CFR 1006.34 ( d ) ** - Regulation F, concerning the prohibition of certain collection practices 5. **15 U.S.C. 1681-S2 ( 7 ) ( A ) ** - Fair Credit Reporting Act provisions If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

In addition to these violations, Bounce AI does not possess a license to collect debts in XXXX, as verified through the XXXX XXXX XXXX website. This lack of licensure indicates that they are operating illegally within the state. I have attached the proof of such as " XXXX XXXX XXXX XXXX.pdf '' I respectfully request that the CFPB investigate these violations and take appropriate action against Bounce AI for their unlawful practices. 

Thank you for your attention to this matter. Please feel free to contact me if you need any further information or documentation. 

Bounce AI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PLEASE REMOVE Bounce AI, Account Number : XXXX FROM MY CREDIT REPORT Sincerely, XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr is a popular background check company used by many employers. However, each time this company pulls my background check it pulls and reports the same information to the various employers. 
As an example, I was disqualified from employment with XXXX in 2019 and earlier because of inaccurate background check information. I disputed the information with my court ordered background information indicating that this is not my criminal record and employment was offered. 
Since this time, I have applied with XXXX, XXXX, and XXXX who have all denied employment because of the same incorrect information which should have already been corrected in Checkr 's reporting system. I have resent checkr the information to correct their records. However, I am still getting denied employment.
Product: Credit reporting or other personal consumer reports

Experian starts today out with a lie there still working on the issue LIE LIE LIE LIE LIE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently, Equifax, A Major Credit Reporting Company, allowed my personal data to be breached by hackers as early as XX/XX/XXXX of this year, is only reporting it now, in XX/XX/XXXX, will only provide free credit monitoring for a one year period, and I am not even allowed to sign up for this until next week. Possibly way too late for criminals to use my personal data. Then, as a provision of the short term free credit monitoring, I am required to waive my right to sue them.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, this is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get correctedXXXX XXXX XXXX Balance : {$26.00}