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

I trust this communication finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I have faced in attempting to remove charge-off accounts from my credit report. Despite multiple attempts, I have not witnessed any successful resolution to this matter.

The charge-off accounts in question are adversely affecting my credit score and financial standing, and I have diligently followed the proper procedures for disputing and rectifying these inaccuracies. Unfortunately, the persistence of this issue has left me with a sense of helplessness and concern for the impact it may have on my financial well-being.

I would like to outline the instances where I have reported the charge-off accounts and the corresponding attempts for removal : Despite my sincere efforts to rectify this situation, the charge-off accounts persist on my credit report, creating a significant impediment to my financial health. 

I am formally requesting an immediate and thorough investigation into these matters, aiming to identify the root cause of the recurring inaccuracies. Furthermore, I expect prompt action to rectify the inaccuracies on my credit report and to prevent any further hindrance to my financial stability. 

I am willing to provide any additional information or documentation necessary to support your investigation and resolution process. I trust that you will address this matter with the utmost urgency and seriousness it warrants, ensuring a swift and effective resolution. 
Failure to resolve this issue promptly may force me to escalate my concerns to relevant regulatory authorities and seek legal remedies to safeguard my rights as a consumer. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$8000.00} ; XXXX  XXXX Balance : {$2600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have excessive credit inquiry on my credit report I never signed or authorized I have called the companies also emailed them but no response. Some inquiries are back to back by the same company I also been involved in fraudulent charges to my credit and they put a fraud alert on my account
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 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX. Account name : XXXX XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX XXXX XXXX Account # XXXX. Account Name : XXXX XXXX XXXX XXXX Account # XXXX. Account Name : XXXX, Account # XXXX. Account Name : XXXX XXXX XXXXXXXX, Account # XXXX. Account Name : XXXX XXXX, Account # XXXX. Account Name : XXXX, Account # XXXX. Account Name : XXXX XXXX, Account # 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 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 seven years.

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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Subject : Problem with a companys investigation into an existing problem To whom it concern : I am writing to formally dispute certain information in my credit file.

Creditor Name : Harris & Harris , LTD, XXXX, XXXX XXXX XXXX .

Reason for Dispute : Problems with a companys investigation into an existing problem I am requesting that the item ( s ) be investigated and corrected ( or removed ) from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days.

Please complete the investigation and update me with the results at your earliest convenience. If the information is found to be inaccurate, I request that my credit report be updated accordingly and that a corrected copy be sent to me.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I posses an savings account with Discover Bank. The account has had a {$0.00} balance since XX/XX/year>. I desire to close this account. 

I called Discover Bank around XX/XX/year> to request account closure, but they refused, stating that I needed to submit a notarized form. On XX/XX/year>, I again called to request account closure, and the same response was provided to me. I called a second time on that day and pointed out that the deposit agreement between myself and Discover Bank states that a notarized form may be required in some circumstances, but it does not specify such a form is required for account closure. I also emphasized that I had followed the procedures outlined in the agreement to close my account. When I asked where the notarization requirement was specified in any of my agreements with Discover Bank, the agent stated they were unaware but again reiterated that I would need to submit a notarized form to close my account.
Product: Credit reporting or other personal consumer reports

I am writing to declare that I am a victim of identity theft and to demand the immediate investigation and removal of unauthorized accounts, names, and addresses from my credit report which documents the identity theft and the fraudulent information unlawfully associated with my credit file.

As per my rights under the Fair Credit Reporting Act ( FCRA ), I am demanding that Experian verify the accuracy of each item listed below or remove them immediately. My rights under the FCRA are as follows : FCRA Section 611 ( a ) ( 1 ) ( A ) : Experian is required by law to investigate all disputed information. I demand a thorough reinvestigation of each account and item listed, as these are unauthorized and fraudulent. 

FCRA Section 611 ( a ) ( 5 ) ( A ) : If Experian can not verify the accuracy of any disputed item within 30 days, the law requires its deletion. If the following accounts, names, and address can not be verified, I demand their permanent removal.

FCRA Section 611 ( a ) ( 7 ) : I am entitled to a detailed method of verification, including the name and contact information of any source that verified these items. I expect a complete response with this information.

FCRA Section 609 ( e ) : Experian is obligated to block and remove fraudulent information when provided with proof of identity theft. My FTC Identity Theft Report and supporting documentation are enclosed to support this request.
Product: Credit reporting or other personal consumer reports

I have found false and misleading information on my consumer report which violates my consumer rights according to the FDCPA, GLBA, RFPA, & FCRA. 15 USC 1681a ( 2 ) ( B ), 15 USC 1681i disputed accuracy, 15 USC 1681s responsibilities of furnishers of information to consumer reporting agencies, 15 USC 1692g validation of debts, 15 USC 1692e false or misleading representations, 15 USC 1681b permissible purposes of consumer reports, 15 USC 1681c-1 protection of consumer information, 15 USC 6801 protection of nonpublic personal information, 15 USC 6802 obligations with respect to disclosures of personal information, 15 USC 6803 disclosure of institution 's privacy policy, 12 USC 3403 confidentiality of financial records. I'm sure the immediately removal of these accounts and inquiries will solve the problem of the laws that you are in violation of.
Product: Credit reporting

The I.R.S. placed a Federal Tax Lien on my person credit report and I paid the balance in Full on XXXX XXXX, 2014. I want this removed ASAP this is hurting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of these accounts listed on my credit report. No one should have my personal information to apply for credit card loans without my permission. These accounts do not belong to me therefore they should not be reporting on my credit. 

XXXX  XXXX  XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXK XX/XX/XXXX {$540.00} XXXX  XXXX XXXX  XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED MY FREE ANNUAL CREDIT REPORT 3 TIMES AND I HAVE NOT RECEIVED IT YET.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiring, didnt apply for this card, this bank indicated that they had a problem with me before. If they had a problem before, please erase the problem, again I didnt apply for this card. Please remove this off of my credit and what ever the bank is saying about me please remove the problem off my name and your data.
Product: Debt collection

This company just called me at work XX/XX/XXXX about a " debt '' from XXXX saying. A very rude guy told me if I dont pay them {$460.00} they will be sending someone out to sue me. I asked him several times to lose his aggressive tone or I will be hanging up. When I asked him for some sort of verification of the debt he said they are not able to supply that to me without submitting a judgement against me. I told them that if that is what they need to do then go ahead. I will be doing my own research about this so called debt. He then said he will send me something if I make a payment arrangement first. I said ummm no I am not giving you any money without a verification. i said I will call the credit company myself and get to the bottom of this. He was very rude and aggressive and said that they no longer have the case and will not know what I am talking about and it is pointless to even call them. I need to settle and speak with them only. I said I would like to hear it from them and see what happens. If you need to send me to court in the mean time than I understand but I am not handing over any money until then. I then asked him to stop calling me work and gave him my cell. They then insisted to speak to my boss and said Im tired of arguing with you so let me talk to your boss so they can find out when I get paid and how much I make! I told them he was not in and unless they have a court order to deduct wages it is pointless to speak to him and if they call me again at work I will file a harassment complaint. They then said they will contact my boss on his personal cell. I said do what you got to do and then I hung up.
Product: Credit card or prepaid card

I have a credit card with Capital One and they are really bad about helping customers with a late fee of {$25.00} for a payment that was one day late. This fee keeps me from reducing my balance I spoke to someone in the customer service one time a while back and they had no problem removing that fee but today I called and the man said he could n't do it. His computer would n't allow him to do it. I have done customer service for 11 years and I know we had a override to change a fee for customers. That is the thing companies should do to keep happy customers.
Product: Checking or savings account

In XX/XX/XXXX. I opened both a savings and a checking acct with wells fargo and deposited over 130,000.00 initially to open my account. Over the next several months i took numerous flights back home to visit my mother in Texas who became ill. I was so busy i didnt have a chance to verify my banking transactions. When everything settled down i finally got a chance and noticed errors on my statement. A hand full of unauthorized charges adding up to over {$1600.00}. I repirted them to Wells Fargo and was issued providional credit instantly. Not even 10 days the credit was reversed. I asked for documentation as to why the credit was reversed but never did i receive anything. One employee told me over the phone that thete was nothing to send. So wells fargo based their decision on speculation. After several complaints they closed both my accounts. Thats the service I got after putting {$130000.00} in their bank not even 6 months earlier. I didnt know how to oursue this until I read about this website on line. And it so happens that i received a recent email from Wells Fargo asking me to submitt any complaints by XX/XX/XXXX and they would be happy to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not Authorize, consent or benefit from any of the following accounts and inquiries : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts have Inaccurate reporting. 
Account Name : XXXX XXXX  XXXX Account number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB complaint requesting the removal of the disputed account and information from my Credit File. It appears that my Credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any account which was found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the disputed accounts as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiry and i have asked to be removed and the bureau did not do what I asked I am providing Identity theft I am requesting it to be removed and they are in accurate and not mine
Product: Credit reporting or other personal consumer reports

this is a formal complaint against experian, the XXXX account charged me for a services i never received, ,a monthly payment with experian that i had canceled, and when i went to pay it, XXXX told me that they were going to removed it from my credit report, something they never did
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i tried and did contact recently the finance company ( XXXX XXXXXXXX ) regarding late payments reported over two years ago to my credit report file and XXXX XXXX basically took their payments according to my bank statements and did report late payments for a period of seven months beggining XX/XX/XXXX and ending XX/XX/XXXX even though XXXX  XXXX did offer and grant me a payment arrangement in XXXX of XXXX XXXX which i accepted back then. A few months ago i contacted XXXX XXXXXXXX to see why they did report those adverse late payments both on my credit profile and my cosigner credit file and instead of a resolution, they reported to the credit reporting agencies the adverse late payments on my credit profile as new and further damaging both me and my cosigner credit profile. i did notify via email and did refuse to talk on the phone with this creditor ( XXXX XXXXXXXX ) and told them that all communications should be done via email and that when they decided to report erroneous adverse late car payments to all three credit reporting agencies and thats when i told them via email that ill report it to the cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX {$0.00}
Product: Mortgage

My Mortgage Loan and Equity Line of Credit Loan were purchased in an acquisition by Chemical Bank based out of Michigan. For the last five months I have made my payments on time however they ca n't seem to post the proper information to my account. Notified each and every month since they have acquired XXXX and every month I receive a different story. They have posted my payments improperly and continue to charge interest never making an adjustment simply telling me they will get it corrected. This month for example my payment due date is the XXXX and due no later than the XXXX. I made my payment on the XXXX carried into the branch and today I receive my statement dated the XXXX that I am past due by one payment. Of course they continue to charge interest based on the statement of the XXXX. Today when I contact them I am told they are required to send out the notice and or statement 10 days after it is due however in prior months the statements are dated the XXXX of the month. Now all of a sudden if payment is not received 10 days after the due date they will consider it to be late. The terms continue to change. On my original loans my payment stub read due on the XXXX and if paid AFTER the XXXX a late fee would apply. They conveniently changed their coupon slips to read that if the payment was made ON the XXXX that a late fee would apply. No notifications sent to the consumer and defending this action by telling me that this was a mandated Federal requirement. I have made payments on my accounts and they posted it all to principal then send me a statement the following month telling me I am past due and that I owe additional interest. Every month is a different set of problems and a different set of terms. I have been paying on this account for going on the 12th year and have never been late and never had a problem, THAT IS until these folks acquired the loan. How many folks are they gouging for late fee 's that do not realize it. How many folks are they posting improperly to the account to generate additional interest and folks do not realize it. I am tired of the aggravation monthly and am tired of the EXCUSES!!!!!
Product: Credit card

I closed all my active accounts with HSBC USA in XXXX of XXXX. 
In XXXX of XXXX I saw that on my credit check with XXXX it was still reporting an open HSBC credit card. 
I wrote to HSBC USA corporate headquarters to advise them this credit card should have been closed in XXXX of XXXX. 
They wrote back on XX/XX/XXXX advising me of their error in not closing this live credit card account. 
They assured me that this account would be closed within 90 days of the letter date. 
It is now XXXX XX/XX/XXXX at the credit card is STILL being reported to XXXX as open. Not good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY SENT LEGAL DOCUMENTATION TO CFPB AS WELL TO EXPERIAN REPORT # XXXX INVESTIGATION ID 01 PROVING THAT XXXX XXXX  DOES NOT MEET THE FAIR CREDIT REPORTING ACT AND REMOVE SUCH IMMEDIATELY NETHER  YOU CFPB OR EXPERIAN IS IS ENFORCING FEDERAL GUIDELINES AS WELL SENT XXXX XXXX XXXX ORDER NOT MY ACCOUNT OR RESPONSIBILITY ANYMORE AND WAS PUT ON NOTICE PRIOR TO NEGATIVE REPORTING COURT ORDER IS A COURT ORDER SIGNED BY JUDGE THIS IS MY LAST ATTEMPT TO GET REMOVED OR ALL WILL BE HIT WITH A LAW SUIT FOR BLUNT DISREGARD OF MY DEMAND PLEASE NOTE EXPERIAN HAS LOCKED ME OUT OF THE REINVESTIGATION AFTER BOTHE THEM AND CFPB RECIEVED DOCUMENTATION SEE ATTACHED STATES WILL NOT PROCESS A DUPLICATE DISPUTE SHOWS THERE BLUNT DISREGUARD OF COURT DOCUMENTATION
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and that resulted in my credit file being compromised as well. The following accounts do not belong to me, therefore, im demanding that these accounts be removed immediately.

1 XXXX XXXX {$570.00} 2. XXXX {$790.00} 3. XXXX XXXX XXXX {$20.00} 4. XXXX XXXX XXXX {$170.00} 5. XXXX XXXX XXXX {$47.00} 6. XXXX XXXX XXXX {$75.00} 7. XXXX XXXX XXXX {$35.00} 8. XXXX XXXX XXXX {$1100.00} 9. XXXX XXXX XXXX {$92.00} 10. XXXX XXXX XXXX {$20.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Called creditor also called XXXX  Credit Reporting company without any success.I have over 30 something inquiries that I didn't not authorized from
Product: Credit reporting 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 USC 1681. I ask Experian, XXXX, and XXXX to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX  Account # XXXX Reason : Account is fraudulent AccountName : XXXX Account # XXXX Reason : Account is fraudulent Account Name : XXXX Account # XXXX Reason : Account is fraudulent. Account Name : XXXX XXXX XXXX Account # XXXX Reason : Account is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$35000.00}