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

I am writing to formally dispute the continued inaccurate reporting of the XXXX XXXX  account on my credit report. Despite my previous dispute, the information reported remains inconsistent and incorrect across the three major credit bureaus. As per the Fair Credit Reporting Act ( FCRA ), I demand a reinvestigation and immediate correction or deletion of these inaccuracies.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit of Truth from this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience.

Unauthorized Reporting of Personal Data, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. 

If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. 

I appreciate your immediate attention to this matter and look forward to a swift resolution.
Product: Checking or savings account

Transaction misclassification and transaction reordering to find an excuse to charge me a XXXX fee. Bank of America misclassified my XXXX  XXXX transaction ( a XXXX purchase at XXXX ) just to charge me a XXXX fee. First, the XXXX card purchase should have been declined if the account did not have sufficient funds. Second, according to the XXXX statement I am attaching, after the XXXX point-of-sale purchase and the XXXX fee, the account balance was - XXXX, which means that the account balance before the transaction was - XXXX + XXXX + XXXX = XXXX. After the XXXX purchase, therefore, the account balance was XXXX It suggests Bank of America somehow reordered the transactions to find a way to charge me a XXXX fee.
Product: Credit reporting or other personal consumer reports

This is a notice to dispute inaccurate information being furnished on my consumer report by TransUnion. They are in violation and should take account immediately.
Product: Payday loan, title loan, or personal loan

I began the application process of applying for a loan through Mountain Summit Financial online. However, when it got to the point of signing documents, I decided that I would not go with proceeding with the application, therefore I did not sign the documents. However, I received an email on XXXX/XXXX/17 from Mountain Summit explaining that I was late on a payment for a loan I " supposedly '' received from them. Because I never signed the documents, I never received a deposit from Mountain Summit Financial in either of my accounts that I hold with XXXX, however they charged my account with a return fee because they tried to retrieve funds that were not there. I checked my bank account records, both my checkings and savings, to ensure that I did n't miss anything and I have n't. I also tried to log into the Mountain Summit Financial portal, using the forgot password link, but it could not find an account associated with the email address Mountain Summit Financial used to contact me about the overdue payment. This whole situation is not right, and fraudulent, and I am unsure how they received my signature and my bank account information. This is really concerning.
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 investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score The XXXX XXXX XXXX  Account Number XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$28000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting an old paid off & Closed account with a comment added by me that says " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' This information was submitted by me years ago, and that statement was incorrect, as I was disputing the date which the creditor was alleging the account went into default. The account has since been paid off. The account in question is XXXX XXXX XXXX ( credit card ), CLOSED and PAID OFF, prior charge off ( before payoff ) in the amount of {$470.00}. NOTE, there is also an OPEN VALID account on my credit file with XXXX XXXX, it is NOT this account. 
Since XXXX, I have requested Experian remove my statement, and they have removed it over XXXX times, and then put it back on days later. The latest was XX/XX/XXXX, when they emailed me " the dispute was open '' then hours later emailed " the dispute is resolved '' ... which should have meant the remarks were removed, but their own investigation conclusion shows under " before and after '' that the statement remains. The statement was put on by me at my request, and should be removed. This is preventing me from obtaining a refinance on my home. I have submitted disputes in writing to them over XXXX times. The last representative informed me that if it keeps being put back on the credit file, then I need to submit a fraud dispute, as the account ( albeit old and paid off ) is being reported fraudulently. I did this. Experian open a dispute, " investigated '' and then closed it stating they updated it ... ..but the remark remains. The information is NOT being reported to Exp by the creditor as XXXX the account was paid off, the credit reported it as such and has not reported anything to Experian since XXXX
Product: Debt collection

Acct # XXXX from a place called XXXX XXXX saying this is from XXXX for {$200.00}. This is the information I just received this morning from XXXX. 

I have never dealt with XXXX FOR ANYTHING!!! 
This is not my debt and the credit bureaus make things much, much worse for the consumers.
Product: Payday loan, title loan, or personal loan

Got in a car accident on XX/XX/2017 was not my fault my car was claimed as a total loss My insurance company paid the fin financing company called Chrysler Capital what the car was worth at the time of the accident. And with my car deal I paid for gap Insurance where they would pay for the remainder of the car after my car insurance paid and about a year later Im getting letter and phone calls from the financing company saying i still owe them money. I would like some help with this dispute please
Product: Debt collection

The company did not give me time to responds to their response on complaint number XXXX before they closed the complaint because they know that they are lying. The company state account XXXX was identified, and the account was validated and sent documents from investigation for provider on XXXX and consumer sent correspondence that was received on XXXX account will not be removed from reporting. I would like to know who was identified and who receive the corresponding letter, I am asking this company to provide signature proof that this account belongs to me, and now they lying saying it was identified on XX/XX/2020, and which I never receive any response from this company, the hospital they put, I called they said they don't know anything about that. I need signature proof. Don't come lie and act like you guys contacted me and it was identify as me please send me the signature of the person who identified this, or my next step is suing this company since they can not provide any proof. I never went to that hospital and for as long as I can remember I always have insurance. And That make me mad cause they are lying. And as a XXXX I would not have disputed an items many times if it was mine, I seriously don't like liars. Cause I for XXXX not XXXX. I spent many years not checking my credit and not knowing what has been going on. Now I'm checking everyday. Amerifinancial just want to ruin me, and I like to know why please, cause no one in the right mind will dispute a debts as many time I did if it belongs to them. This debt not mine.
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Equifax Impact Receivables Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I have called Equifax and they informed me I have to make a complain threw CFPB to get them removed so this is the action I'm taken
Product: Checking or savings account

hello, my business, personal and credit card account was closed by citi bank, they gave me a 30 days notice to close all my accounts on XX/XX/XXXX. the only explanation on the notice of cancellation of accounts was '' due to recent activity in your account we have decided to close your account '' i have called the ph no listed on the letter of closure of my account for any specifics or detailed explanation, person who answers, says that i should contact my branch manager to further investigate why the bank closed my accounts. my bank manager tried numerous times by calling their internal financial unit and wrote emails to get any explaination of the reasons of closing my accounts. but no answers so far. now my XXXX card and XXXX XXXX have also sent the similar notification of cancelling my accounts, i dont know why is all this happening and would like any help i can get to get some answers from citi bank to why they have taken such drastic action. i had been banking with them for over 9 years. 

pls let me know how you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX, XXXXXXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account Number XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX XXXX XXXXXXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX. XXXX XXXX XXXX Account Number XXXXXXXX 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 
, 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: Debt collection

I am writing to file a formal complaint regarding a collection accountS labeled XXXX LOANMARTXXXX XXXXXXXXthat has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of 1.Hich balance and 2. Last activity which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert from XXXX that XXXX XXXX on XX/XX/21 @ XXXX XXXX  mst they pulled my credit without authorization. The number provided no one answers to resolve.
Product: Credit card or prepaid card

The company is Genesis Fs. I have 3 credit cards with them. The oldest being XXXX years old I believe. I have lived at the same address for XXXX  years. Somehow they allowed for my address to be changed on all XXXX cards. I was also locked out if my online accounts. I attempted to reach out to the company. I was told to send them a copy of my drivers licenses through the mail to verify my address. They refuse to verify me by any other means. Like phone dob ssn and so on. I have been dealing with this for awhile now. I have no access to cancel the cards or to even pay for the cards. The problem also comes in that I have no access to get statements and the balances are higher than they should be. They will not review any info on the charges with me. So while Im waiting for them to review my driver licenses they keep wracking up fees. This is completely not ok.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have requested in writing the XXXX for the charge off account XXXX  for {$9100.00}. The bank has written off the debt and still report the account on my credit file and are requesting payment. The bank has taken a write off on this account and is refusing to issue the XXXX for the XXXX account for {$8100.00}. The balance should reflect {$0.00} and be closed. under the fair credit report act the bank can't be reporting the account balance {$9100.00}, nor refuse to issue me a XXXX for the charge off of the debt. 


XXXX is to issue me the XXXX for the charge off of the debt and reflect {$0.00} onmy credit file.
Product: Student loan

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX made pervasive and widespread substantial misrepresentations that their private loan borrowers relied on to their detriment. This conduct affected students who enrolled at XXXX XXXX XXXX  from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by XXXX XXXX XXXX The Department of Education has determined that it is appropriate to discharge the loans made to all students who attended XXXX XXXXXXXX XXXX during the time period described above.
Product: Debt collection

According to my XXXX Report the collection was open XXXX XXXX in the amount of {$1400.00} Source receivables Mng. The original creditor is XXXX. My identity was stolen and it prompted me to add an extra layer of protection on my credit file such as fraud alerts. Once I realized I contacted XXXX and also put in a fraud dispute for this collection.
Product: Debt collection

The debt under XXXX XXXX XXXX XXXX for XXXX was listed on my affidavit id theft under 2 accounts not irs on one with that balance. That is false info remove asap. I will report to the FTC because stuff that was removed is now being added al overt again Remove it asap
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of identity theft resulting from a data breach, and I am requesting that the following unauthorized accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Please remove the following accounts from my credit report, as I did not authorize them, nor did I open or use these 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 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 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 card or prepaid card

This is an addendum to complaint : XXXX I was told BBVA needed more information to dispute the charge on XX/XX/2019. They mailed a letter that day with the requested information. It arrived XX/XX/19 but I did not get it until XX/XX/19 due to the holidays. The due date for the materials was XX/XX/19, one day before the letter arrived. They closed my dispute because I did not provide supporting documents by the deadline.

Please see the letter, the envelope it came in, as well as USPS email informed delivery showing arrival on XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to discard the following inaccurate items. 
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/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment was made on time, as evidenced by my bank statements and payment confirmation receipts from my bank account, which clearly show that the payment was processed and sent before the due date.

Despite this, the late payment was inaccurately marked on my credit report.

I provided this information along with supporting documents but despite my adherence to the dispute process within the Fair Credit Reporting Act, XXXX, XXXX, and Equifax have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX