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

XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX Date : XX/XX/XXXX To XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by XXXX XXXX Experian, and XXXX Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting on my credit report. The accounts in question are : XXXX Charge off CCB/MPRCC Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

XXXX XXXX DC Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

EXPERIAN XXXX off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Collections XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX I believe this collection is reporting inaccurately. 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

XXXX XXXX off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 
Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 
Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions. 
I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report. 
I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 

I look forward to your prompt response and action to resolve this issue on my credit report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX with a balance of {$680.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Debt collection

I was caught up in the XXXX  identity theft and cleared up most of my problems. I contacted XXXX  XXXX XXXX  to send me all the info they had on an account they said belonged to me. After numerous attempts on my part the XXXX  XXXX XXXX  people cut off all communications in XXXX, in XXXX they sold the debt to LVNV funding, a collection agency. This has caused me problems with my credit report and I've been receiving harrassing phone calls. LVNV funding has bought a fraudulant account from XXXX XXXX XXXX  and expect me to pay, it is not my account and never has been. the info I have on LVNV funding is as follows per my credit report acct # XXXX address is c/o Resurgent Capital Service XXXX XXXX  XXXX, XXXX, SC XXXX ph # XXXX
Product: Debt collection

Received the attached letter from creditor attempting to collect a debt that I do not owe. The debt is a fraud, the letter might violate the law by concealing the Fair Debt Collection Practices Act required 30 day dispute wording on page 2 of the attached document. I dispute the fraudulent debt described in the attached document entirely.
Product: Payday loan, title loan, or personal loan

Please be advised that all information must be 100 percent accurate be at advises MInnesota attorney General office will he notify about you reporting as early as Monday morning thank you for your full Cooperation
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling XXXX  and Transunion to remove or at least update my XXXX  XXXX XXXX  Personal Loan item from my Account. 

The account was paid in full XX/XX/XXXX, however my credit reports now says that the item is over 120 days unpaid which is not true. I am submitting an authorized letter from XXXX XXXX XXXX  stating that the account was paid in full XX/XX/XXXX. 

Please have this updated to the correct status or remove it completely because it is full of inaccurate information.
Product: Checking or savings account

Chase continues to execute predatory practices with their excessive overdraft fees. I received a message from Chase that although my account was overdrawn, I still had time to make a deposit to bring my account positive to avoid overdraft fees. Overdraft fees were still assessed on my account. I requested that the fees be waived so that I could deposit enough money to bring the account positive. Chase refused and even continued to process transactions without funds available in the account. I have never consented to any overdraft protection and numerous times I have requested that no transactions be processed that will cause my account to be overdrawn. I am the sole provider for my family which includes XXXX young children and I budget with very little wiggle room. The overdraft fees assessed will take months to overcome as there is very little disposable income available after basic necessities and obligations are met. These overdraft fees impede my ability to have food on the table and gas in the car. Overdraft fees and the related practices employed by Chase specifically target low-income families and are excessive in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a acount without my written instructions.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any reason.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received an email from Capital One that my account information had been updated. I do not have an account with Capital One. At the same time, I received an alert on my credit report that there had been a new hard inquiry by Capital One. I did not recognize this activity and did not authorize it. I have tried to report this to Capital One, but their automated phone lines are very difficult to navigate and vague in its fraud reporting options. Once I finally got past the options that required an account number, which I dont have, it asked me for my social security number and birth date. I did not feel comfortable inputting this one the phone, so I disconnected. I would like this hard inquiry and fraud removed, but am unsure what the appropriate means are. Please advise.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  and list of Inquiries. 

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, credit repair services, or other personal consumer reports

I submitted formal disputes with Transunion, XXXX, and XXXX in regard to inaccurate late payment from XXXX XXXX XXXX XXXX showing on my reports, in which I'm co-signer for my wife, on her XXXX report shows paid as agreed but all 3 of my reports shows 1 30 day late in XX/XX/2017. This caused my credit score to drop more than 60 points, resulting me not able to qualify for personal loan.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverificable, invalidated and inaccurate and questiontable items that XXXX XXXX XXXX XXXX did not make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accuratre on my credit report and Under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurarate
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today XX/XX/2018 I received a letter from experian credit reporting agency stating they will not re-investigate an account for me that does not belong on my credit report. I had XXXX re-investigate this account for me and after the investigation it was removed off my report. I am uploading a copy of the letter I received today along with the account that does not belong on there. I do not have a copy of the police report. I requested a foil report with the police department awhile ago and was told it was not on record anymore. Experian should not be denying me to re-investigate this account for me. There are fraudulent charges on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Dispute to Equifax. I received a bill for monies to an apartment that I lived in before I purchased my home last year. The apartment complex sold the bill to their collection agency, XXXX XXXX XXXX. I submitted proof that I paid the account in full prior to moving out of the unit, as well as proof that I was cleared to move out and did not owe any further monies to the apartment complex. This was signed by myself and the apartment management. When I received the bill, I emailed the new apartment manager and asked her to please take care of this. She said that she was no longer legally allowed to communicate with previous tenants once they move out, per corporate policy. I submitted my proof to the corporate office, who said that they were unable to speak to me since it had been sent to their collection agency. The collection agency denied my proof of payment. I sent my proof of payment in full and my documentation to show that when I moved out I did not owe a cent and I was on good terms with the apartment complex. Equifax said that their decision was that the debt was accurate and would remain on my credit file. What more do I need to send to show Equifax that I do not owe this debt? I thought that proof of payment and email correspondence between myself and the apartment complex was substantial. Can you please tell me what else I need to send to have them remove the account? I can't afford to sue them, but I don't know what else to send besides receipts from my bank account and correspondence from the apartment complex that shows I owed nothing on moving out and was in good standing. I also found that this apartment complex has many different complexes and is owned by a huge Corporate office and they have a history of sending bills for frivolous charges this to consumers after moving out and refusing to speak to them. Thank you very much for your assistance.
Product: Student loan

Submitted a complaint here and received my Navient Misconduct Discharge Application on XXXX. I filled out the application and was denied. 
I like many other victims went to a school that caused harm and conducted in acts that resulted in discharge approval for others that went to my school. XXXX XXXX XXXX XXXX XXXX. I would like to appeal and fill out the application to discharge my private loans as well as send in more evidence against the school I went to.
Product: Credit card

The email is to bring your attention about an unusual practice at XXXX XXXX XXXX XXXX XXXX XXXX office is practicing. I am looking forward to justice to my injustice. This is an ongoing email requesting refund of unauthorized charge of {$1500.00} on my credit card. 

I have paid you {$500.00} & {$770.00} for which I have signed documents these charges are towards the XXXX  treatment which takes care of my out-of-pocket expenses after the {$2500.00} from INSURANCE COVERAGE. I dont owe you anything as per detailed email below. 

XXXX  has no documentary evidence where {$1500.00} was discussed BY THEM with me or any authorization given by me? No documentary evidence of the charges you XXXX  is talking about showing it was discussed BY Them with me or any authorization given by me? 

In the last email- {$990.00}?? ( {$560.00} your balance, {$430.00} XXXX balance ) what are these charges for? As per the XXXX  login page, my insurance covers XXXX XXXX XXXX - 100 % - IN NETWORK AND OUT OF NETWORK. ( there is more data below the screenshots ) XXXX  were given from my earlier XXXX  office XXXX XXXX XXXX, records were attached in the emails earlier which is below.
Product: Credit card

I contracted with Home Depot for a cabinet refacing job on XXXX XXXX. The job began on XX/XX/year>. It was supposed to take 2-5 days for completion. On XX/XX/year>, day five, the contractor ended the job but the refacing job was not completed. There were numerous items missing, such as all moldings, all cabinet handles/hardware, and two drawers. Additionally, the laminate was not installed properly causing delamination in areas, as well as uneven cuts, cracks, holes and scratches. The cabinet doors were the wrong size and all the drawers were installed unevenly and/or were warped. The soft close guides were installed unevenly and some were missing screws. Home Depot sent their own investigator out to corroborate the problems. Since the installer left the job in an incomplete and deficient state, and was unable to remedy the problems due to his own admission that he was finished with the job and there was nothing further he could do, and given that Home Depot was paid in full via my Home Depot credit card ( {$19000.00} ) at the time of the contract signing ( XX/XX/year> ), I did a charge back with the credit card issuer, Citibank. The charge back was initially approved but then reversed due to Home Depot disputing this action. I did not/have not received the installation services I purchased yet I am still paying my Citibank credit card for an item not received.
Product: Credit reporting or other personal consumer reports

LISTED WITH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OPENED XX/XX/XXXX, FNB OMAHA OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX LISTED WITH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OPENED XX/XX/XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX LISTED WITH XXXX XXXXXXXX XXXX I OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OPENED XX/XX/XXXX, FNB OMAHA OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX ALL THE ACCOUNT LISTED I HAVE DISPUTED AND ALL THEY HAVE ALL REMAINED ON MY CREDIT REPORT, I HAVE REQUESTED VALIDATION OF THE DEBT AND COPIES OF SIGNED CONTRACT AND NON OF THEM HAVE COMPLIED. THE COMPANIES HAVE EITHER SIMPLY STATED THAT ITS VALID WITHOUT ANY DOCUMENTATION TO PROOF IT. I HAVE ALSO CALLED EACH OF THESE CREDITOR TO LET THEM KNOW IM THE VICTIM OF IDENTITY THEFT WITHOUT ANY HELP
Product: Debt collection

In XX/XX/year> I was contacted by XXXX XXXX XXXX XXXX advising me of a debt they purchased from XXXXXXXX XXXX. On XXXX XXXX I provided them documentation from my XXXXXXXX XXXX online account showing XXXX XXXX is indicating XXXX balance and risk balance paid, I asked them to validate the debt. I never heard from XXXX XXXX XXXX XXXX with validation of debt within the 5 days required. The next thing I know is I'm being contacted by a collections law firm XXXX XXXX XXXX threatening law suit if I do not pay and wanting me to sign a Confession of Judgment ( which I did not sign ). I set up payment arrangements to avoid court and requested they validate the debt with XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  sent validation request to XXXX XXXX XXXX XXXX in XXXX, and returned to me XXXX of the XXXX I paid. They have not heard from XXXX XXXX XXXX XXXX. This is on my credit report as a collections. Please assist. Thank you
Product: Money transfer, virtual currency, or money service

Coinbase.com has double charged my account and I can not reach anyone from the company. My checking account is sitting in the negative after these fraudulent charges and I cant get any answers. They are blaming XXXX and XXXX is blaming Coinbase. I just want my money back ASAP.
Product: Debt collection

XX/XX/2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , WA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX   XXXX  : Acct #  XXXX  To Whom It May Concern : This letter is in response to your recent claim regarding Acct #  XXXX , which you claim I owe {$320.00}.   Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.   Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.   As per FTC opinion letter from Attorney  XXXX   XXXX   XXXX , you should be aware that a printout of a bill or itemized document does not constitute verification.   I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.   Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.   I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that y ou may be lia ble for your willful non-compliance.   Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of  {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )   You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX   XXXX  :  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.   Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau