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

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can not furnish an account without my written instruction 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.

For the last 120 days Ive disputed these accounts and disputed with the furnisher all have failed to verify my identity or even respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under all applicable FCRA & FDCPA regulations, I request a description for the procedures used in verifying these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$7900.00} XXXX Balance {$300.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

Mortgage was included in a chapter XXXX bankruptcy that was discharged back in XXXX. Now in XXXX of XXXX they filed a Motion for In XXXX Default Judgment for Foreclosure and Order for Foreclosure Sale. Both my ex-husband and I have been out for over a year. I moved out in XXXX of XXXX and he in early XXXX. They keep contacting him, yet when I 've tried contacting them they will not speak w/ me. I 've also attempted to contact their XXXX To no avail he is unwilling to help or disclose much since he is their " legal council ''. I told him nimerous times on our call that we no longer resided in the home and that it has been vacant for well over a year. Now they are attempting to have my ex-husband sign a " Loan Modification '', yet have made no attempt to contact me. My ex husband provided me with the following contact info : XXXX, loan # XXXX, phone # XXXX. Have made several attempts to contact with no success.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Failure to Reinvestigate Disputed Late Payment Account with XXXXXXXX XXXX XXXX XXXX. 
Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX and Equifax for failing to properly reinvestigate a late payment inaccurately reported on my credit report by XXXXXXXX XXXX XXXX XXXX XXXX. 
The account in question is under my name, XXXX XXXX XXXX XXXX, with the account number XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. 
The dates in question related to the disputed late payments are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Previously, I contacted XXXXXXXX XXXX XXXX, XXXX. directly, requesting the correction of this erroneous information. However, despite my request, both XXXX and Equifax have not conducted a thorough reinvestigation nor corrected the error, which is a violation of my rights under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
The failure of XXXX and Equifax to correct this incorrect information has negatively impacted my credit history and is a direct violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite following the necessary procedures with both XXXX XXXX and these credit bureaus, the inaccurate information remains on my report. 
I request that you review this case and take the necessary actions to ensure that XXXX and Equifax, along with XXXX XXXX, comply with their legal obligations. It is essential that this incorrect information is removed from my credit report to correct the damage caused to my credit score. 
Thank you in advance for your attention to this matter, and I look forward to a prompt resolution. I am willing to provide any additional information needed to support my case. 
Please confirm receipt of this complaint and provide an update on the status of my case as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

JPMCB Auto it is showing on my credit report as bad debit and charge off and it's a discrepancy. So I disputed it on my credit report and they will not return no phone call or will not send me no mail on why they not looking into it and I thought after 60 days you send them something they're in the mail they supposed to reply to you it's been 9 months and I haven't received anything in the mail from them at all so can you please investigate this? Or have them too remove this from my credit report because they keep selling it to another creditor to make my debt higher
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES ON MY XXXX REPORT DO NOT HAVE AN ACCOUNT WITH THE COMPANY, NOR HAVE I APPLIED FOR CREDIT WITH THESE LENDERS. 

XXXX. COMENITY CAPITAL/ XXXX DATED XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX Iowa XXXX [ Subject : Complaint Regarding Inaccurate Credit Report Information ] Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding multiple inaccuracies present on my credit report. The discrepancies pertain to various aspects including account numbers, payment history, and balances, which are significantly affecting my creditworthiness and financial standing. 

Below, I outline the specific inaccuracies found on my credit report : Incorrect Account Numbers : Several accounts listed on my credit report contain inaccurate account numbers. This discrepancy makes it challenging for me to properly identify and address these accounts. 

Inaccurate Payment History : The payment history associated with certain accounts is misrepresented. For instance, there are instances where timely payments are marked as late or missed payments, negatively impacting my credit score and financial credibility.

Incorrect Balances : The balances reported on some accounts do not align with the actual balances. This misinformation leads to an inaccurate assessment of my overall debt and financial obligations. 

These inaccuracies are not only detrimental to my creditworthiness but also undermine my ability to access financial products and services on fair terms. Despite repeated attempts to address these issues with the credit reporting agencies, the inaccuracies persist, indicating a systemic problem that requires intervention. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the bureau to hold the credit reporting agencies accountable for their failure to ensure the accuracy of the information they report. 

Enclosed with this letter are copies of my credit report highlighting the inaccuracies for your reference. Please do not hesitate to contact me if further information or documentation is required to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit report. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/22, I received a letter from Comenity, asking my to contact their office to complete my application for credit. I never applied for a card thru this company. I contacted Comenity and they documented/cancelled the application.
Product: Credit card

We have a joint travel credit card account ( husband is the primary account holder ) and his personal credit card through Capital One. 
Accounts were unexpectedly closed, without notice, on XX/XX/XXXX Saturday. Once we were aware of the credit card closure on XXXX accounts, we immediately called Capital One customer service. The bank representatives, supervisors, and managers did not fully answer our questions nor provide exact details on why the accounts were closed without notice. The bank stated they sent a letter by mail on XX/XX/XXXX ( labor day weekend ), which was not received until Tuesday, XX/XX/XXXX. 
The bank has continuously stated that the account is permanently closed because it is not consistent with their expectations and violated the customer agreement as stated by the letter and representatives. 
The reason for the closure on the travel card was due to a mistake in a routing number ( from a different bank- XXXX XXXX ) in payments toward the credit card balance that was ultimately refunded at least XXXX separate occasions. We were advised by a manager on XX/XX/XXXX to contact XXXX XXXX to resolve the routing issue. 
We were not given any prior notice that we were violating an agreement with the bank. We make it a goal to continuously pay off our balance and have kept up with payments each month. 
On Tuesday XX/XX/XXXX, we requested to redeem our travel miles and points which we saved up and the main reason why we opened the account with the bank, but were thus denied since the closure was permanent and authorized by the bank. We requested to speak to another supervisor, they informed us that we had a small chance of opening the accounts again. They advised us to first pay off the balance entirely on both accounts and contact Capital One again in XXXX business days. Immediately, we paid off the travel card balance of {$580.00} through a savings account that Capital One was familiar with. We also paid off the balance for the personal credit card of {$170.00}. 
On Thursday XX/XX/XXXX, we contacted Capital One and were informed that the XXXX accounts would remain permanently closed. We have made it a point to notify the bank that the personal credit card has never violated any agreement and the reason for closing the personal card was never explained. 
The primary reason we chose to open our account with Capital One was to improve our credit. Secondly, for the rewards offered. The closure of XXXX accounts will greatly affect our credit scores. 
Personally, it feels like an injustice to have our credit damaged and our miles ( rewards ) revoked despite never having a previous issue and making sure our payments were always on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/ 2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Product: Payday loan, title loan, or personal loan

Integra credit XXXX : XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, IL, XXXX Fax number : XXXX Email : XXXX The Integra credit personal loan was partially paid, the rest was included in a bankruptcy. The bankruptcy lawyers attempted to contact them and inform them to cease communication with myself, and communicate with my lawyers, they refused and kept contacting me using different numbers and methods since XX/XX/XXXX. The bankruptcy has been complete and fully discharged as of XX/XX/XXXX, and the integra credit no longer appears on my credit report. I reported this to XXXX XXXX as well. Integra is still bombarding me with calls a few times a week if not daily using several different phone numbers. They wont leave me alone. They have been informed via XXXX and the bankruptcy lawyers that their debt was cleared in the bankruptcy several times. I have given them the docket, the case resolution, XXXX reports, and they wont leave me alone.
Product: Debt collection

Years ago I had a cell phone account with XXXX XXXX XXXX. I went through the proper steps to close the account and moved to a different provider. XXXX XXXX XXXX continued to send me bills for service in which I had ended. I repeatedly called their customer service and they would say it has been resolved. Years later I continued getting a bill saying I owed for service in which I did not have. I learned later that XXXX XXXX XXXX has class action suits against them for the same practices. Eventually they turned my bill over to a collection agency in which I have zero correspondence. It shows on my credit report.. XXXX XXXX XXXX has XXXX tactics and poor customer service. If they were to pull up the account for the dates years ago they would see that there was no active account and no activity on the account. I think with research it will be found that XXXX XXXX XXXX has done this with many others.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my Account inaccurately at first I mailed them to prove their must have been something wrong because I do not ever remember having any collections on my account then when they responded back to me I looked further ino the account and notice it had some issues in its reporting Collection should be coded under " OTHER '' or " O '' not as either a INSTALLMENT ( " I '' ) nor as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of proper TYPING creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! 

See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

Also this Account his inconsistent Dates of last payment and last activity which makes it very hard to consider verifiable or accurate FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ). 

U.S. Code1692e.False or misleading representations 8 ) Communicating or threatening to communicate toany personcreditinformation which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. 




This Account has been disputed multiple times all i have received is itemized letters which do not satisfy the explanation of the debt according to the FDCPA and the FCRA, I have received no explanations for the balance and past due balance still reporting on a charge off or different DOLA and as I XXXX information on this issue with the company I can clearly see I am not alone various consumers suffer this same issue which will eventually lead to a consumer lawsuit.
Product: Credit reporting or other personal consumer reports

I wrote them and sent it certified mail about the information on my report was fraud. And them FCRA Case Decision 1681e ( b ) what is the standard for accuracy? I have never done business with them. I asked them to remove the errors on my report. To date, they have not removed these items because they are inaccurate and is harming my credit and my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of tems which do not belong to me or were opened without my permission. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The company XXXX XXXX is in collections and my name is attached to this. Ive never heard of this company before until it appeared on my Credit report and decreased my XXXX XXXX XXXX points. Ive called them and they told me they wont remove it until I file a police report. I have The account details to prove that this bill is in my name, but its definitely not me. Theyre located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act FED LOAN SERV account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit monitoring sent to me an email suggesting a balance transfer card that I was likely to be approved for. I applied for the card ( XXXX XXXX XXXX ) and I was improved. By applying, I received a hard inquiry on my credit report. I received the XXXX XXXX XXXX credit card, and was told that I am not eligible for a balance transfer. 
I immediately closed the credit card and requested that the inquiry be removed from my credit profile. XXXX XXXX is not able to do this.
Product: Checking or savings account

To whom it may concern, this is the response for the previous complain ( XXXX ID : XXXX ) where an check issued by Citibank has not been received but later found cashed by someone else. I have been contacted by Citibank since submitting the complaint on XX/XX/2019 and have provided the executed and notarized document ( Affidavit of non receipt ) to Citibank as request. However, there was no response despite numerous email to the customer service or Citi XXXX. For the ease of reference, please find below for the claim number and card info used during our conversation with Citi Bank Claim Number : XXXX - Citi card ending : XXXX Appreciate for your help last time and kindly assist following up this issue on behalf of us. 
PS. I can be reached by email ( XXXX ) or mobile ( XXXX ) PS. This is my third time reporting this issue to CFPB, however Citibank has been very inactive providing feedback on this issue Best regards XXXX XXXX
Product: Debt collection

I am writing to dispute the accuracy and validity of a charge-off account appearing on my credit report by XXXX funding, aka XXXX XXXX and aka XXXX XXXX. The debt associated with this account has been sold to a third party, and the original creditor ( Navy Federal ) no longer owns or manages this account. Additionally, I have not received any documentation, such as a 1099-C, confirming the status of the debt. Its continued reporting as a charge-off by the original creditor raises concerns regarding its accuracy and verifiability. 
Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are required to investigate disputed accounts to ensure they are accurate, complete, and verifiable. If the information can not be verified, it must be corrected or removed. 

I reached out to XXXX funding, aka XXXX XXXX and aka XXXX XXXX to validate the accuracy of the debt. I received conflicting information regarding the charge-off date. This constitutes an inaccuracy. Please see attachments. 

I requested a copy of the 1099-C XX/XX/year>, from Navy Federal . The company 's response is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through them to help me fox my credit debt. But they were charging fees and ended up not paying my debts on time and then I had late fees ot was alot when I would pay them the lump sum every month and still showing bad debt anyway. My credit score got worse by not everything being paid when it was suppsor to consolidated. I do not have the account no more because I had to file bankruptcy because it was to much to handle to pay them and they were not paying on all my debts.