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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Reported by XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/year> is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information and ensure maximum accuracy of consumer files. Additionally, the FCRA provides for civil liability under 15 USC 1681n and 1681o for willful and negligent noncompliance.

Requested Resolution : I request that XXXX conduct a thorough investigation and remove the inaccurate late payment for XX/XX/year> from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA.

Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I have repeatedly asked for a statement so I can figure out what happened to all my deposits because the last time I checked, they were supposed to send me a statement and they never did. Instead, they close the account did not try to resolve any of the issues Ive been reaching out repeatedly for years for a statement And they have not sent me a statement!. They violated their contract with me by not depositing my funds into the checking account!. Bank of America has a policy about checking accounts, being overdrawn. You can not cash your check with Bank of America for the full amount. You only get XXXX bucks and thats it. Thats their policy not mine then when I checked the balance to see if the check had made it through had been deposited fully and it has not been deposited fully they closed the account, so I have no access to the statement to figure out what happened, this is fraud with a bank account This has been reported to the police and XXXX Washington, where the bank is!. 
Please be aware that I am unable to update my contact information on your website there is no option to edit the information so I will give it to you through this statement!. XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX WA XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$740.00} 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, AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX IL, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, AZ, XXXXXXXX XXXX XXXX XXXX  Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX : {$740.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts 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 these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to the Law HR 3909, Postmark Payment Act of 2014, my payment is made on the day i put it in the mail/post office and is post marked for that day. Four times, Chase-Amazon credit has charged me late fees because they received or recorded a couple days late. These dates are : XX/XX/XXXX for {$27.00}, XX/XX/XXXX for {$28.00}, XX/XX/XXXX for {$39.00} and, XX/XX/XXXX for {$39.00}. This is a total of {$130.00} i have been wrongly charged and would like a refund or credit to my account immediately. Also, HOW MANY OTHER PEOPLE ARE THEY CHARGING, BREAKING THIS LAW?!!
Product: Checking or savings account

Vystar Credit Union has changed for the worst. I have been with them for over 35 years and in the past 3 years, there has been countess fraudulent activity within my checking account that has become inexcusable. There has been fraudulent activity and the tellers there or reps treat you like you are responsible. 
The customer follows the rules and the bank will turn around and give the perpetrator your money back. Even when you fight to get it in the first place. 

As soon as I can leave this bank, I am leaving and will not return as soon as I can get my payroll changed over as they are not able to handle the increase in fraud in America at this time. As a matter of fact, please note there is a fraudulent person working in that particular department by the name of XXXX, the same as the person who stole over {$220.00} from my account on XX/XX/2022. 
There is over {$890.00} in refunds in limbo that I am missing as this same bank has allowed XXXX XXXX XXXX to steal from me even when I proved that they were not due any of my funds.
Product: Checking or savings account

Over XXXX XXXX dollars came up missing from my account on unauthorized transactions. I dispute the transactions with Chime Bank! Chime Bank has lied about reaching out to the merchants and will not give me any information they have about the investigation. Ive requested documentation from Chime Bank regarding this matter and they only gave me the intake form which I submitted about the claim and has denied my claim over and over again. I reached out to some of the merchants and have received documents that shows my account was used for unauthorized purchases. Merchants has told me to get with my bank to dispute the charges and my bank has failed to do so and only denied my claim on the XXXX day before its time for them to credit my account Chime call center representatives has basically tried to get me to settle for a lesser amount which I have phone recording of them but I will not because I worked hard for my money and I want it back attached is the intake form that Chime has sent me for documentation that they used for the investigation! Chime is lying about investigating my dispute they are not investigating my complaint they are just denying my claim because they dont want to pay it I should receive a fair investigation
Product: Credit card or prepaid card

On XX/XX/31, I visited TJ MAXX to purchase a few items. The cashier asked if I would like a TJ Maxx reward card that will also give me 10 % off my purchase. I agreed " thinking '' it was a " REWARD '' card where I earn points when or if I make any future purchases similar to a XXXX card. She asked for my ID and I provided it along with my debit card. When I made it home and checked my receipt, I noticed a credit card application. I called to speak to a manager because I didnt give consent to run my credit or have a need for a store credit card. The manager, XXXX XXXX, stated there was nothing she could do. I asked for her supervisor and she gave me a number to XXXX. This is illegal. This is an inquiry that will be on my credit report for 2 years for something I did not authorize. This was my XXXX time shopping at XXXX XXXX and I'm XXXX XXXX XXXX. Why would I need a credit card for this store. The cashier did not explain or ask permission to run my credit. This is very deceptive. She probably has a goal to reach and is using this practice to meet it. The manager didn't show any concern at all. I want this inquiry removed from my report and they can have this card because I'm not a regular customer and have no need for department store credit cards. I also know that you have to ask permission to run someone's credit and she did not. The word " credit card '' or " credit '' was not mentioned during this transaction.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the erroneous inclusion of certain accounts in my consumer report. It has come to my attention that these accounts were reported without my prior written consent, thus raising concerns about a potential infringement on my rights as per 15 USC 1681b, which governs the protection of consumer information and the necessity of obtaining consent prior to reporting. 

I wish to draw your attention to the fact that I have already taken the initiative of filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, specifically XXXX. Furthermore, I have made multiple attempts to request the removal of these accounts from my report, only to receive unsolicited documents from the creditor. My primary concern lies with your credit reporting agencies, as it is your responsibility to ensure both accuracy and compliance in reporting. 

In accordance with the legal provisions under 15 USC 1681c-2, consumer reporting agencies are under an obligation to promptly block the reporting of any information that a consumer identifies as stemming from alleged identity theft. Thus, I respectfully request your adherence to this legal requirement and urge you to promptly eliminate the following accounts from my consumer report : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX It is important to underscore that my dispute is not with the creditor ; rather, it pertains to the practices of your credit reporting agencies. I have not provided written consent for the reporting of these accounts, and I firmly believe that this constitutes a direct violation of my rights as outlined in the Fair Credit Reporting Act. 

I kindly request a thorough investigation into this matter, along with a prompt resolution. Additionally, I would appreciate written confirmation of the removal of the disputed accounts from my consumer report. 

I express my gratitude for your attention to this matter and your cooperation in resolving this dispute. Please regard this letter as my formal request to initiate the investigation process in accordance with my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter The INCORRECT Address that should be deleted is XXXX XXXX XXXX, XXXX Georgia XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. The CORRECT Address is XXXX XXXX XXXX, XXXX XXXX GA XXXX. I am also showing an incorrect EMPLOYER XXXX XXXXXXXX that needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX XXXX add a hard inquiry on my credit reports.
Product: Checking or savings account

XX/XX/2020-XX/XX/2020 My bank continued to change transaction dates on my online banking. This app particular does not allow screenshots to be taken for proof. But they change dates of transaction to make it appear that there is no money in my account when there is supposed to be money that covers every transaction and then charges {$36.00} overdraft fees on those items.As well as changing the type of deposits made into something that appears to be a simple credit to only withdraw the money at a later date to cause more overdraft fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over XXXX days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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 XXXXInquiry XXXXXXXX XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINInquiry XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was given out by equifax during their data breach. My information is now out there forever and could potentially harm me years down the road.
I 've signed up by their monitoring for free for 1 year ( 1 year is not enough ). - X/X/2017
Product: Student loan

In XXXX, I called Allied Interstate to place my loans in rehab to ensure I could receive Title IV funding for my final semester. I was placed into a program to make nine payments and then the loan would be rehabbed. I had automatic payments scheduled and had no problems with my bank accounts, when the sixth payment processed I contacted Allied to have notice sent tot the school that I would be able to resume receiving financial aid. In XXXX the final payment was not taken from my account, and returned to the guarantor of my loans ( XXXX  ). They have advised me that I will have to begin the rehab process one more time, and Allied has blatantly lied to XXXX about what happened with my account. I had not been able to get complete information about what happened until I contacted XXXX today, and am quite bitter that I reached out to do my due diligence as a borrower and was not given information that was accurate on how to proceed. I did file a Borrower Defense to Repayment in XXXX of 2017 which Allied was aware of, I informed them that I wanted that hold removed, which they said they complied, but when the loan was returned to XXXX the hold was still there, and no further information could be given. These practices of bouncing the loans from one servicer to the next are reasons why borrowers are struggling to get accurate information to maintain timely payments and avoid problems like default. 

I have attached my contract with them, also the statements where the money was removed and the last statement which shows that the money was never attempted to be removed from my account for the final payment ( they have claimed that the payment was returned for the final payment )
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GS BANK/APPLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to provide you with knowledge of intent to sue. 
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. 
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. 
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. 
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. 
. 
I look forward to your response. 
Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_GS BANK/APPLE___XXXX XXXX XXXXXXXX XXXX XXXX XXXX__________________________ Reason for dispute_IDENTITY THEFTXXXX XXXX XXXXXXXX