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

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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX #, Account name : XXXX # XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account XXXX : XXXX Account XXXX : XXXX. In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX  Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an investigation into the charge-off accounts listed on my credit report. I recently obtained a copy of my credit report, and upon reviewing it, I noticed that there are several accounts that have been charged off. These entries are negatively impacting my credit score, making it difficult for me to secure loans or credit on reasonable terms. 

I believe that these charge-off accounts are not accurate and are unfairly damaging my credit profile. I request your assistance in investigating these accounts and, if they are found to be inaccurate, I request their removal from my credit report. 

I am disputing these charge-off accounts on the grounds that : I believe that the information reported is inaccurate or incomplete. I have attached any supporting documents that can help rectify the inaccuracies. 

I request that the credit bureau verifies the validity of these charge-off accounts with the respective creditors.

Outdated Information : If any of these accounts are more than seven years old, I request their removal as they should not be reported according to the Fair Credit Reporting Act. 

Enclosed with this letter, you will find copies of the supporting documents that I have gathered to validate my dispute. These documents include [ list any documents you are including, such as payment records, correspondence with the creditor, or other evidence ]. 

I kindly request that you conduct a thorough investigation into these accounts as per the Fair Credit Reporting Act and respond to this dispute within the XXXX period stipulated by law. Additionally, please provide me with a free copy of my updated credit report after the investigation is complete. Please hepl me remove the following accoutns in my credit file : XXXX XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX  XXXX Balance : {$3800.00}.
Product: Credit reporting or other personal consumer reports

I ask that you treat this complaint with the seriousness it deserves. My credit report includes mixed and inaccurate information, such as accounts, transactions, and items that are not mine and with which I have no association. This issue is deeply troubling and has caused me significant stress and XXXX, as it directly impacts my financial stability and personal peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX AUTO XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : -
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX
Product: Debt collection

This complaint is in reference to complaint XXXX XXXXXXXX, which was closed by CFPB. Calvary responded to the complaint alleging that it had mailed me validation of the debt owed. However, this statement made by Calvary to CFPB is false. Despite multiple requests, Calvary has yet to send me validation of the debt. The only thing they have provided is a printout of credit card transactions for the XXXX XXXX. Despite their inability to validate this debt, Calvary continues to report this debt with the credit reporting agencies. 

I attached the XXXX letter I sent Calvary in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to Transunion from XX/XX/year> and I have not received the proper updated information regarding removing the inaccurate information from my consumer report.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605 b, I have reported the incident to the Federal Trade Commission ( FTC ). According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$670.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance XXXX {$400.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both American Express and   XXXX   XXXX    XXXX  " charged-off '' and " written-off '' my debt. According to the definition of the above it states that both companie s Charge of f means that the credit grantor wrote your account off of their receivables as a loss.   They have both gotten judgements and put a lien on the title of my home. I am verified  XXXX   XXXX  and this has been communicated to both parties before and during legal action in the courts was taken. I have written  XXXX   County Superior Court to no avail. Although I do still owe the money, these compa nies are breaking the law by double dipping. Why the courts protect the big banks over   XXXX    XXXX  persons is a serious injustice and I would like to see accountability in this matter. Part of being  XXXX  is to say that I am no longer able to work, notwithstanding money is in short supply. As such, hiring an attorney to get these liens off of my title is not an option. Thank you!
Product: Checking or savings account

On XXXX XXXX, 2007, I did use my Chase debit card 5 consecutive times without knowing that I did not have enough fund to cover those transactions ( {$25.00} ; XXXX ; XXXX ; XXXX andXXXX ). For that reason, Chase did charge to me the amount of {$170.00} XXXX this is a {$35.00} each ). I did write a letter telling them that warning to me or decline the first time my debit card would be the right process to do, but Chase did approve these transactions and penalized me with all those astronomies charges, instead.In my letter to JPMorgan Chase, I did try to resolve the matter but the response I did receive it was a negative one and provoked the fact I had to close my account with that bank.
Note : I did not close my account because of those 5 transactions but because Chase did the same  process on 3 ( {$25.00} ; XXXX and XXXX ) more transactions which I was reluctant to honor.
Product: Credit card or prepaid card

I lost my credit card and there was a purchase made that I did not authorize. the purchase was made on XX/XX/XXXX. 

Th purchase was made at a jewelry store in XXXX Massachusetts : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX eastern time. 

The purchase was for a large amount of money and I received a credit monitoring notification a few hours later that my available credit had decreased by a larger amount of money. I called Discover to dispute the purchase and the first person went over all the details with me. The first representative I spoke to was very helpful, she was able to remove the charge and told me that I did not have to file a police report because of the distance from where I live to where the purchase was made. 

After a few months Discover reattached the charge to my account without explanation. I disputed it many times and the only response I get is that I am responsible for the charge and that the vendor had seen my ID and had sent Discover proof. 

I have requested the proof from Discover showing that my ID was used at the point of sale. I know that this is impossible because I have been in possession of my card the entire time. 

I have also submitted proof to discover showing my location around the time that the purchase was made and I also gave them a XXXX maps screenshot that shows the approximate time it would take for me to drive to that store from my house. 

I have disputed this many times and Discover still has not given me a valid reason as to why they believe that I am responsible for the charge. I have shown them irrefutably that it is impossible for me to have been at the store to provide my ID at the point of sale. Either the vendor is lying about having seen my ID or Discover simply does not care to protect me as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : 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 or other personal consumer reports

Subject : Notice of Intent to Pursue Legal Action for Misreporting First Date of Delinquency XXXX XXXX 
XXXX XXXX  has documented history about reporting untrustworthy information on credit reports .I have stated numerous time this account was delinquent on XX/XX/year> with the original creditor. 
XXXX XXXX is lying and being untruthful about the first date of delinquency. 
I am writing to express my grave concern regarding the misreporting of the first date of delinquency for the debt in question. It has become apparent that the information provided by your agency is inaccurate and potentially harmful to my credit standing. 

I must emphasize the seriousness of this matter. Misreporting the first date of delinquency is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also constitutes an intentional misrepresentation of facts. This has the potential to negatively impact my creditworthiness and financial well-being. 

I hereby demand that your agency rectify this situation immediately by providing accurate information to the credit reporting agencies. Failure to do so will leave me with no choice but to pursue legal action against your agency for deliberately misleading reporting practices. 

Please be advised that I am prepared to take all necessary steps to protect my rights under the FCRA and seek appropriate remedies for any damages incurred as a result of your agency 's actions. This may include but is not limited to, initiating a lawsuit against your agency for willful violations of federal law. 

I strongly urge your agency to take this matter seriously and take immediate corrective action. I expect to receive confirmation of the accurate reporting of the first date of delinquency within specify a reasonable thirty days from the date of this letter. 

Should you fail to comply with this demand, I will have no choice but to pursue legal recourse without further notice. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Product: Mortgage

STRAP : XXXX BB & T violated many Federal Regulations Including TILA, Regulation Z, Dual Tracking ( as they were informed I was working on a Loss Mitigation Package with Neighborhood Home Solutions well within foreclosure deadlines, failed to send me their Loss Mitigation package within a timely fashion, exploited my lack of knowledge of the law and claimed they would " work out a solution during my first trial when my complaints should have been raised, and gave me a predatory loan as I was below the poverty line with XXXX dependents. The Civil Court could not adjudicate these claims and BB & T continued with their foreclosure auction well before any and all court motions / appearances were allowed to transpire. They also had many mistakes in documentation and transferred the property to XXXX XXXX XXXX after my last court appearance when opposing counsel told me personally, among a credible witness, that he would email me later that day with a resolution. The Plaintiff also provided the court with misleading ( bordering on fraudulent ) comments which could not be adjudicated at that time and my supporting documentation was unable to be reviewed within the 5 minute time frame the court allotted us. 
XXXX XXXX XXXX XXXX XXXX FL XXXX I have all documentation supporting my claims and am prepared to take this to a Federal Level.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have been victimized and my information has been used fraudulently without my knowledge. I have recently checked my personal credit report and saw many accounts that I have no business with. I am sure I am a victim of identity theft. I would like to follow the correct steps to get this back in order again because this is just not fair. Now that I actually want to use my credit for something I can't because of these degenerate thieves. I am asking for your professional assistance in getting this rectified with the credit bureaus who have nt been much help thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> The credit bureaus stated XXXX XXXXXXXX XXXX was properly investigated, but how is that possible when this accounts dates are inaccurate, the date last active is inaccurate and the date last reported is not accurate .This is ground for removal. They also violated my rights under 15 U.S.C. 1681 SECTION 604 A SECTION 2 The law clearly states a consumer reporting Agency can not furnish a account without my written instructions. I have not given this account written permission to furnish this account on my credit report. 
This account is currently closed and under investigation from XXXX XXXXXXXX XXXX and correcting all fraudulent charges.
Product: Credit reporting or other personal consumer reports

Equifax has failed to investigate the accounts that were involved in the Equifax data breach properly. I am a victim of the Equifax data breach, and Equifax 's neglect to remove the accounts that were a cause of this breach is seriously damaging to my livelihood. Please take this matter seriously, as Equifax is the root cause of my suffering!
Product: Mortgage

My banking and equity line were with Suntrust until Truist made a full transition in XXXX. I don't get paper statements and online statements have been unavailable the entire time. I don't know where my automatic payment to my equity line went in XXXX but they showed I did not pay and then double billed me in XXXX with a late fee ( I had removed later ). My open equity line stopped after 10 years ( 8 years ago ) and went into full repayment mode and I had been using auto payments ever since so I did not have to think about it. They totally screwed up my payments. They reopened my original E-line on my account like it is another e-line and started withdrawing auto payments to both E-line accounts. They only handle mortgage stuff over the phone and it takes over an hour on hold to speak to someone who can't help you. Over 10 hours on the phone so far and not resolved. They told me the accounts are linked together and can't stop double billing me and taking my money. I need that money for something. The only thing that does work is their ability to take my money without asking. Somebody please help!!!
Product: Credit reporting 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 XXXX XXXX XXXX. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, Child Support : # 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.

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

I have unverified accounts on my consumer report that violates my rights which as a result ends up as identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this information to Experian months ago. They removed the fraud information however reinserted it months later. This is not my account.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request assistance regarding a matter with the three major credit bureaus ( XXXX, XXXX, and TransUnion ) and the inaccurate reporting of an account on my credit report. 

The creditor associated with XXXX XXXX issued an IRS Form 1099-C for the account, which signifies that the debt has been canceled. Despite this, the credit bureaus have not updated my credit report to reflect the corrected account balance of {$0.00}. This account has been paid off, and the balance should reflect accordingly. 

To address this issue, I have taken the following steps : Contacted the Credit Bureaus : I filed disputes directly with the credit bureaus on, but the reports remain unchanged. 
Provided Documentation : I submitted proof to the credit bureaus, including a copy of the IRS Form 1099-C and any communication with the creditor. 
Despite my efforts, the account information remains inaccurate, negatively impacting my credit score and financial standing. 

I request the Consumer Financial Protection Bureaus assistance in ensuring the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and accurately update my credit report to reflect the canceled debt and {$0.00} account balance. 

Enclosed, I have included copies of the following documents for your reference : I copy of my IRS transcript Thank you for your attention to this matter. I trust the CFPB will assist in resolving this issue promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter of verification to all three of the credit bureaus asking them to verify that all the account that I listed in the letters were correct and I would like for them to send me how the accounts were properly verified. I don't feel as if I am liable for this debt.
Product: Credit reporting or other personal consumer reports

5. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told the XXXX, Transunion, and XXXX to reinvestigate the accounts above. 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY PERSONAL INFORMATION AND PLEASE UPDATE THE ACCURATE ONE.