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

I am writing to urgently seek your assistance in removing charge-offs with incorrect balances from my credit report. Despite numerous attempts to rectify these errors directly with the credit bureaus and creditors, the inaccuracies persist, adversely affecting my creditworthiness. This is a critical issue that requires immediate intervention. 
Despite these efforts, the charge-offs continue to be reported with incorrect balances. This ongoing inaccuracy is causing significant harm to my financial standing and credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit file, and I am requesting on your intervention to ensure this right is upheld. I respectfully request that you could hepl me investigate this matter and facilitate the immediate correction of these charge-offs on my credit report. Your prompt attention to this issue is crucial in preventing further damage to my credit profile. The following accounts needs to delete are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent letter to the credit bureau to verify or remove inaccurate information on my report I havent received any response it have been 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the reporting of the following inquiries on my credit report has violated my rights : XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/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 agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence, where I formally reported fraudulent items on my credit report. Despite my initial dispute and subsequent communication, it appears that the fraudulent items persist, causing substantial harm to my financial standing. 

I urge that credit bureaus will conduct an immediate and comprehensive reinvestigation into the reported fraudulent items. 

I request that the credit bureaus would communicates the resolution of the dispute to you in writing. 

I am deeply concerned about the ongoing presence of these fraudulent items on my credit report, which is negatively impacting my ability to secure financial opportunities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to Experian regarding the accounts and information thats listed in my dispute letter. After going over my monthly consumer report I've noticed information thats reporting to my report that doesnt belong to me. I am aware of the consumer laws that Experian is governed by, and I understand that any information or account must be verifiable and accurate to properly report. The accounts and personal information listed in my dispute letter are both inaccurate and don't belong to me. The creditors thats reporting the accounts never had my consent to obtain my personal information nor did they have permission to share it with anyone, which violates my right to privacy. For the accounts to belong to me there must be mutual agreements and documentation included in which neither exists. It is Experians duty to thoroughly investigate my dispute and update and remove anything thats unverifiable. How can there be a debt owed if there was never a mutual agreement between both parties? 



Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my credit report. I am a victim of identity theft. Inquiries were added on my report without proper verification. Credit was frozen to prevent further inquiries. 

XXXX XXXX XX/XX/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 XXXXXXXX XXXX, XXXX
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 reinvestigated. The inaccuracies are highly injurious to my credit score, XXXX XXXX XXXXXXXX. 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: Checking or savings account

On XX/XX/XXXX, I applied online for a BBVA checking account under a {$200.00} cash bonus promotion that required the account be opened between XX/XX/XXXX and XX/XX/XXXX. Although BBVA did not open the account until XX/XX/XXXX, the bank told me I should be eligible for the promotion as I had applied during the promotional period. The promotion called for the {$200.00} bonus to be received within 60 days after the posting of a direct deposit of at least {$300.00} within 60 days of account opening. I satisfied the direct deposit requirement onXX/XX/XXXX. I have yet to see the bonus deposited to my account. I have reached out to the bank via secure e-mail and by phone to no avail.
Product: Debt collection

I opened an account with XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX, they are reporting it one my credit that it was opened XX/XX/XXXX. It is showing a balance of {$1300.00}. This is incorrect. When I opened the account the balance was {$1700.00}, I put a down payment of {$700.00} leaving my finance amount at {$1000.00}. I had automatic payments coming out of my account in the amount of {$130.00}, which paid the balance pretty much in full. Also, I never received any notification allowing me to dispute the validity of the debt, it just appeared on my credit report. I have disputed this information several times with the credit bureau, but XXXX XXXX refuses to correct their error, and they did not give me a c chance to dispute the validity of the debt.
Product: Credit reporting or other personal consumer reports

Capital one reported a late payment to the credit bureau which caused my credit to drop tremendously! When I contacted them about my concern I informed them that the payment available updated and was available for me to use so Im not sure why it was reported late. When I made my payment on the correct date and it was returned to my card. I have tried to reason with the company and have made no progress once so ever!
Product: Debt collection

In XXXX while living in XXXX md, I signed up for XXXX XXXX, with an 18 month contract. Within the contract they were supposed to provide internet that could support streaming and cable for XXXX a month. Long story short they could not provide speeds that supported their own on-demand features and the account was downgraded to cable only for XXXX. XX/XX/XXXX I took a new job and moved to XXXX. Paying my final bill and closing the account. Keyword ... XXXX. The debt this CA is trying to claim on my credit report is one, inaccurate as the debt was paid and the account closed. More importantly, they are falsifying the dates for XXXX so they can impact my credit for the 7yrs its allowed and try to scam and extract money from consumers not owed. This company needs to be investigated for their attempts at collecting on a debt not owed, falsifying amounts and most importantly intentionally listing inaccurate dates to drive up their probability of payment on a collection. It is their responsibility to list the CORRECT and true information of a debt. I don't know how long this has been going on but I find it completely unethical for a CA to use such dishonest tactics to scam consumers and attempt to extort them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with the results of the reinvestigation of my dispute that I submitted to XXXXTransunion XXXX XXXX XX/XX/2023, through the CFPB portal. [ Account XXXX. All is being investigated by the FTC ]. Despite my efforts to bring to your attention the inaccurate information appearing on my credit report, including the XXXX XXXX account that I have disputed, I was disappointed to learn that the only action taken was to update my address and add a telephone number. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Furthermore, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ].

These violations have caused undue stress and financial strain on my life, and I demand that they
be rectified immediately. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Therefore, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX account completely removed from it. 

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. 

Reporting of inaccurate information is a serious matter, and I urge you to take swift action to rectify this issue. I believe that the following CFPB codes may be relevant in this matter and I request that you consider them when reviewing my dispute : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA, and Section 1681b of the FCRA. 

Thank you for your attention to this matter. I look forward to receiving a prompt response. 

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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

They did not, have not resolved this matter! My mortgage is current, my property taxes are current-nonetheless the portal reflects a XXXX  payment due and XXXX payment due! I was told because they infringed and double-dipped that I owed {$9.00} which was submitted immediately. My last conversation on XX/XX/XXXX was in 24 hours my account would indicate absolutely current. It does not! Every telephone call promises made and never, ever followed through! Please my attorney has requested that I get the documents from them beginning XX/XX/2024. They have not given me said documents and my bank absolutely reflects payment history! This company lies during each and every verbal encounter and zero follow-up!
Product: Credit card or prepaid card

XX/XX/21 XXXX recieved a call from XXXX ( XXXX ) XXXX robot advertising reduction in visa interest rate ( not from my bank or any named bank but from XXXX fl ) and I could hear someone answer over the robot, then get quiet and heard messaging over XXXX , I ignored the prompt and said I can hear your XXXX messenger in the background and they hung up on me quickly after.
Product: Mortgage

A time line is attached. My mother applied for a HELOC in the est. amount of {$38000.00} in  XX/XX/XXXX  and suffered a   XXXX    XXXX  in  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  . She was a   XXXX   XXXX   XXXX   having  XXXX  three times a week and struggled from the time she  XXXX  - in and out of the hospital,  XXXX ,   XXXX   XXXX   XXXX  , admitted into  XXXX ,   XXXX   XXXX   XXXX  , and all along, she tried to rebound, but did not until she passed away in  XX/XX/XXXX . While enduring the instances mentioned, my father was also struggling with the after effects of   XXXX    XXXX  and  XXXX , later passing away in  XX/XX/XXXX . Neither my father nor I realized that personal fraud was occurring in my mother 's Bank of America account until  XX/XX/XXXX  or  XX/XX/XXXX . My father noticed that something was wrong and asked me to find out who the strangers were listed in the account. I followed his direction and went to the bank and the manager spent the time to review the account and discovered that people were stealing funds. She gave me the necessary paperwork to complete while in the bank and with her assistance, the account was closed. There is no conceivable why that my mother could spend that amount of money during the time she applied for the funds, enduring her   XXXX   and until her passing. As did my father with his separate bank account that he held at another banking institution, my mother always managed her finances. Along this time, she was receiving her annuity from her previous employer,  XXXX   XXXX . Time and time again, I have filed reports with the bank with no resolutions and it does not settle well to pay back money when it was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States, No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7years. 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 know or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with XXXX   for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, XXXX XXXX XXXX , USDOE/XXXX XXXX, USDOE/XXXX XXXX, DPT ED/XXXX XXXX and DPT ED/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, XXXX, and XXXX informing them that I am a victim of identity theft. Someone opened a credit card, got medical service, and a loan under my SSN. They also made fraudlent inquiries on my report as well. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking XXXX, XXXX, and XXXX to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.
Product: Credit reporting

I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page XXXX statue 609-disclosures to consumers [ 15 U.S.C. statue 1681g ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ statue 1681h ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I received an alert from XXXX Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX  XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, XXXX, and Equifax and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to Mrs. XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item. My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
Product: Credit card or prepaid card

I applied for an extension of credit with Keybank. XXXX the branch manager reached out to me to inform me that I was denied over the phone. Key bank sent adverse action via cfpb portal but not to my mailing address. 

KeyBank mentions that they are unable to approve me for the following reasons : Business out of footprint and without necessary existing relationship with KeyBank Lack of experience with present account. 

Ive provided Keybank with my business address that is within their blueprint. I also have business partners who also have brand new accounts with Keybank and doesn't stay within the blueprint but has a business address within the blueprint and they received an extension of credit. KeyBank has discriminated against met and I would like to CFPB assistance in getting resolution. 


This is a direct violation of my consumer rights 15USC 1602 tells me credit is my right. I can not be denied a right. Key bank has discriminated against me. 15 USC 1691 makes it clear that I cant be discriminated against.
Product: Debt collection

I received a 30 day to collections letter from Amsher in XXXX about an alleged debt that is not mines. I sent them a letter requesting verification of debt. XX/XX/XXXX I received a copy of a bill as their response to my request for verification according to the Fair Debt Collection Practices Act. Their response was a bill, which does not constitute a form of verification that the debt belongs to me. I immediately responded within 3 days of receiving that bill ( XX/XX/XXXX ) that the unknown debt is not mines and sent a certified letter that was delivered and signed for on XX/XX/XXXX requesting that they verify the debt as per the Fair Debt Collections Practices Act. They never responded afterwards or sent any validation that is competent bearing my signature or any evidence that I had any contractual obligation to pay. Today ( XX/XX/XXXX ) I received a credit monitoring alert that a new collection account from Amsher was added to my report. This has to be illegal and a violation of the Fair Debt Collections Practices Act. This needs to be removed immediately.