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

To Whom It May Concern : I am writing to formally dispute the account under XXXX XXXX XXXX that has been reported on my credit file. This account is for a debt originally owed to XXXX XXXX XXXX XXXX, and the account in question was never consented to by me for collection by XXXX XXXX XXXX. I request that this account be deleted from my credit report due to the following violations of consumer protection laws. 

Account Details : Creditor Name : XXXX XXXX XXXX ( Collection Agency ) Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX ( last four digits ) Balance : {$680.00} Date Opened : XX/XX/year> Status : Collection Account Account Status : Disputed by consumer Legal Violations : Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( Harassment or Abuse ) and Section 809 ( Validation of Debts ) : XXXX XXXX XXXX has failed to provide proper debt validation upon my request. Under FDCPA Section 809, they must verify that they have the legal right to collect this debt. I have never received any documentation or proof that XXXX XXXX XXXX is authorized to collect on behalf of XXXX XXXX, nor have they provided any information to support their claim. The lack of consent or any written authorization for this debt to be placed with XXXX XXXX XXXX is a violation of consumer rights. 
Fair Credit Reporting Act ( FCRA ) Section 609 ( Request for Information ) : Under FCRA Section 609, I am entitled to request and receive proof that a debt is legitimate and properly assigned to the collection agency. XXXX XXXX XXXX has failed to provide such proof, despite my request. Additionally, FCRA Section 623 mandates that any creditor or collection agency that reports information to a credit reporting agency must ensure the accuracy of the information reported. Without proper documentation or proof, the information reported by XXXX XXXX XXXX is inaccurate and should be deleted from my credit report. 
Fair Credit Reporting Act ( FCRA ) Section 605 ( Time Limits on Reporting ) : This account was reported as a collection from XXXX XXXX XXXX without my consent or knowledge, and FCRA Section 605 restricts how long negative information can remain on your credit report. Inaccurate or unverifiable information, such as this collection account, is not allowed to remain on your credit file under the FCRA. 
Unauthorized Collection Actions Violations of Consent : XXXX XXXX XXXX has placed this account in collections without my consent, and they failed to provide any written agreement or contract authorizing them to collect on my behalf. Under FDCPA and FCRA guidelines, no collection agency is permitted to report or collect debt without explicit consent from the consumer and proper validation of the debt.
Product: Credit card

Credit card was activated in XX/XX/2023. No further information was received from the bank. I made charges in XX/XX/2023 amounting to about {$110.00}. No information was forthcoming again. 
On XX/XX/2023, I received an email that the account was overdue as of XX/XX/2023. That was the first and only information from the company. I sent an immediate payment for the charges made and requested waiver of the late charge in light of no prior notice or statement. 
I have been attempting to contact the company since XX/XX/2023, to no avail. The company continues to add late fees to the original late fee. There is NO access to anyone in the company to remedy this dispute. I have stopped using the card and any dealings with the company. The company continues to send emails stating that the account is past due on the late fees. 
I do not recall whether I ever officially closed the card account, but I will check that out after I complete this complaint. 
Thank you for your attention.
Product: Credit card

I had my Truist credit card fraudulently charged {$500.00} plus fees on XX/XX/XXXX. I opened up a fraud claim/investigation with the bank immediately by phone. I've been waiting for over a couple of months for the credit to be applied back to my card. I have called multiple times, gone to my branch bank, who also called for me, asked for someone to call me, and had the claim escalated and expedited. No response from the fraud unit. No one can tell me why the credit has not been applied back to my credit card. Initially, the bank said it would take up to 2 billing cycles to resolve. It is now in the 3rd billing cycle and nothing has been done. The service personnel that you talk to when you call can do nothing for you. They are there just to relay what information they have on file, which isnt much. The calls are worthless. There is no one to talk to directly about the status of the claim. The bank keeps adding interest charges and requesting payments on the account, which is illegal according to the Consumer Financial Protection Bureau. So now I have to make minimum payments on an unauthorized charge just to protect my credit, which is excellent. I was a customer of BB and T for years and never had a problem. This is the worst customer service that I have received from any bank. I think someone needs to do something. 
Sincerely,
Product: Mortgage

Bank of America Home Loans is charging a {$6.00} surcharge for online payments, even though the payments are on time and not late.
Product: Credit card or prepaid card

BARCLAYS/ XXXX XXXX Credit Card charged me up to {$4000.00} off of plane tickets for the same destination, the same date at the same time. I started a dispute, since XX/XX/XXXX but Barclays was only able to fix half of the charges. I contacted XXXX and they refunded the rest amount {$1500.00} in XX/XX/XXXX. I have proper documentation that shows three amounts being refunded : {$520.00}, {$490.00}, and {$490.00} for a total of : {$1500.00} which was refunded but it is the same current balance Barclay 's is charging me still. 

Please check XXXX amounts refunded match the same amount Barclays is still charging me in my Bank Statement XX/XX/XXXX. 

Please advise on how to proceed, since I have been fighting this since XX/XX/XXXX Complaint Number is : XXXX. I work for the XXXX XXXX and I must not lose my XXXX XXXX over Fraudulent Charges I am not responsible for.
Product: Debt collection

I recently noticed a collection on my credit report from Midland Fund/ Midland MCM . The collection is reporting a balance of {$1300.00} with the three major credit bureaus ; XXXX, XXXX & XXXX. I do not recognize this debt. I have tried to dispute this information with the credit bureaus but not have not received any resolution. This account is reporting with different dates opened and different dates of being last active. My rights under the provisions of the Fair Credit Reporting Act are clear, I demand these accounts to be deleted from all current and future credit reports. I believe that under Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I would like verification that provides a signature from myself and a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of Va Child Support Division have deliberately reported wrong and false information as a retaliatory tactic on my credit report for over 20yrs. I disputed this information with the credit bureaus many times through out the years. It have completely came off the XXXX report but Equifax still refuse to take it off saying I must contact Child Support when I have many times. I Called Child Support also many times over the past years, but we have always had a bitter ongoing dispute regarding this and other situations related to courts, custody, and other suits, and other issues that add more fuel to the fire, so child support refuse to do their part when updating or reporting accurate information. I was even told by a social worker that they will personally make sure that I am faced with finical difficulty and stress and they will use any and all governmental means to do so which they have. The Child Support agency first reported on my credit report back in XX/XX/XXXX. This particular account was paid off in XX/XX/XXXX as you can see they still refuse to reflect that on my credit report back than. Another thing is I have several child support accounts over the past 20yrs because of the children being in different custody situations but mostly me having physical and soul custody the most of their lives, but the child support account shows up as one on the credit bureaus sites. In even if Child Support was combining all the cases as one than the reporting is still incorrect. Its showing payments as not current when this was never the case at the times reported. I have the records for the child support accounts, and it is clearly intentionally reported fraudulently to the credit bureaus. This have kept me from utilizing my credit to get further in life, and still continues to do so it is making a negative impact and continues to hinder my credit and its being able to be utilize to its full potential.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Re : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Data Breaches I am writing to dispute the inclusion of certain accounts on my TransUnion credit report, which I firmly believe are fraudulent and directly linked to the recent XXXX and XXXX data breaches. These breaches have compromised my personal information, resulting in the unauthorized use of my identity. 

The following accounts are fraudulent and must be removed from my credit report immediately : 1. [ XXXX XXXX XXXX XXXX ] 2. [ XXXX XXXX ] I have never authorized or opened these accounts. I have already filed a police report regarding identity theft ( see attached copy ) and submitted a fraud alert to all major credit bureaus, including TransUnion. Additionally, I have included the following supporting documents for your review : Copy of my government-issued ID Proof of address ( utility bill or bank statement ) Police report or FTC identity theft affidavit Any correspondence proving the accounts are fraudulent Your failure to safeguard consumer data has already subjected me to financial harm and unnecessary stress. It is unacceptable for these inaccuracies to persist on my report. As mandated under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to investigate this matter thoroughly and resolve it promptly. 

I demand : 1. An immediate removal of the disputed accounts from my TransUnion credit report.

2. A written confirmation that these accounts have been deleted.

3. Assurance that this dispute will not impact my credit score negatively. 

Please consider this letter my formal notice. Should you fail to resolve this matter promptly, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 

I expect a written response to this dispute within the ( 4 ) days.
Product: Credit reporting or other personal consumer reports

ooked at my report back on XXXX XXXX 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter asking them to send me documentation with signatures from all parties involved and I never received these documents. I have attempted to get said documents as well as have these companies remove these items. I have also filed complaints with the CFPB to have these accounts a few times. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate because these fraudulent accounts still appear on my report. 

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

And one more thing according to 15 USC 1681s-2 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. 

ut they did not do that as well either. 

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, credit repair services, or other personal consumer reports

You are reporting the following collections with a past due amount. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

- XXXX  - XXXX XXXX XXXX
Product: Debt collection

I noticed in XX/XX/2023 that it was a closed account with a balance and now Im trying to get it off
Product: Debt collection

Was contacted by mail by Cavalry SPV I , LLC about an order to appear hearing. The hearing is set to be on XX/XX/XXXX for garnishment of my pay. Tried calling them on XX/XX/XXXX. They will not talk to me till the date of the hearing. I called the court that this is from. Gave them the cause No. XXXX. Was in formed that this hearing will have no involvement in this hearing. That it will be just me and the attorney involved in it. Was able to find out there was a judgement made to a XXXX XXXX XXXX in XXXX. The letter said it was sent to me by Certified Mail, and it was not. It was sent by normal mail. My wife made credit accounts under my name without my knowledge. She used my name and all other information. To be sure they were kept a secret she would make sure she saw the mail first. She used other phone numbers than the house phone also to keep me in the dark. If there was an order to appear prior to this I had no knowledge of it. I have no idea what account is talked about, when it was done or anything else. All I have is the letter from Calvary SPV I, LLC saying I owe them {$4000.00} and {$1100.00} dollars. This is the first time I have had contact with them, with very little information being made available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and went in front the federal judge and got my student loans discharged through federal court and the dept of education wont accept the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from Experian and per review, a stated public record is listed to my report for Bankruptcy. I sent a disputed this with Experian XX/XX/2018 requesting an investigation for state public record listed to my report. I requested Experian Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, Verified. Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Iowa stating The U.S. Bankruptcy Court does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. Experian is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any accounts to my report referencing Bankruptcy information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a late payment on my credit report regarding my XXXX account, dated XXXX, XXXX. Upon reviewing my credit report, I noticed that this account reflects a late payment, which is incorrect. I paid on time, and the reported late payment does not accurately reflect my payment history. 

As per the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2 ( a ), any entity reporting information to consumer reporting agencies must ensure that the information provided is accurate. It is unlawful to report inaccurate information if the furnisher ( in this case, Discover ) knows or has reasonable cause to believe that the information is incorrect. I have substantial doubts regarding the accuracy of this reported late payment, and I believe that Discover had knowledge of the error or should have known that this information was inaccurate.

I respectfully demand that this payment be immediately updated to reflect Paid on Time status, as the reported late payment is erroneous. The reporting of this inaccurate information negatively impacts my credit score and violates my consumer rights under the FCRA. 

I have attached a copy of my credit report showing this inaccurate late payment and request that TransUnion update my account to reflect the correct information. Please update this account to Paid, Never Late and ensure that the inaccurate data is removed from my credit file.

Thank you for your prompt attention to this matter. I expect this issue to be resolved within the 30-day timeframe required by law.
Product: Credit reporting or other personal consumer reports

Citizens XXXX XXXX XXXX accounts on my experian credit Bankruptcy Bankruptcy Ive submitted valid verification of fraudulent accounts and these companies have not provided proof of these accounts nor validation of these fraudulent accounts. Ive submitted serval police reports and fraud report
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was sold from XXXX XXXX as of XX/XX/XXXX first payment was due. I paid that on XX/XX/XXXX. I paid all previous payments to XXXX XXXX who also allowed me to access my account without verification XX/XX/XXXX. I explained by email that I paid 2 payments in XXXX. They consistently placed hard collections inquiry on my credit report and the CFO said that was between XXXX XXXX and me. I have copies of my second payment paid in XX/XX/XXXX. My last payment is due XX/XX/XXXX I need my credit corrected. I was denied a loan to pay off my end of year bills. I need this information corrected immediately.
Product: Payday loan

L   XXXX   XXXX   XXXX   XXXX   XXXX   - North Carolina. While I was approved for {$500.00} with a repayment of {$670.00}, my bank account was changed for more with now a balance of {$1000.00} to repay.
Product: Credit card or prepaid card

Dear Director Of Operations, Please close my account immediately. It has been fully paid-off!
Product: Debt collection

i sent in several attempts to collect all the debt validation under the fdcpa and countless times they have failed to prove me with everything. Attached is the validation request i sent
Product: Credit reporting or other personal consumer reports

These are the accounts that I have disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ive also requested that the incorrect names be removed from my report as well being that I have never come by any of those names.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.