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

Subject : Urgent Request : Rectification of FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing with urgency to address significant discrepancies in my credit report that directly contravene the guidelines established by the Fair Credit Reporting Act ( FCRA ). Upon a thorough review of my credit profile, it's evident that multiple errors persist, pointing to a substantial oversight of FCRA regulations within your agency. 

To underscore the critical points : The Fair Credit Reporting Act is a vital federal statute that regulates the accurate collection, retention, and transparent dissemination of consumer credit information. 

Instances of FCRA violations in my case encompass : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information due to name or social security number similarities. 
Neglect of prescribed dispute handling protocols by agencies. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment purposes. 
Receive notification if my information has been used against me in credit applications or other transactions. 
Dispute and demand rectification of incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information within specified timelines. 
I formally request the immediate removal of the listed items below, as they blatantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, clearly evidenced in my recent denial for extended credita direct consequence of errors originating from your agency. 
XXXX following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX This address is not correct. Delete it immediately from my report. 

XXXX. Bankruptcy : XXXX XXXX XXXX XXXX : XXXX XXXX a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Bank XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX I kindly ask for prompt action to rectify these violations within the XXXX timeframe. Failure to comply XXXX necessitate pursuing legal measures to ensure my rights under the FCRA are diligently upheld. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

OnXX/XX/XXXX company was contacted by me by letter for them to contact agency who is handling my debt. On XX/XX/XXXX I again I contacted them by letter indicating to them to contact the agency I had hired to resolve the debt. I continue to received calls from them when they have informed of who they should be contacting.
Product: Checking or savings account

I reported the fraud within 1 day of the charges. I have submitted proof there was absolutely NO WAY I completed the transactions. I canceled the card and changed all passwords and access codes to prevent future fraud. I reported it to the police who agrees to press legal charges against the people who are responsible and I provided the police report number within the day of the incident. I included the report made to the police and I called and verified all items were turned into chime that I could show indisputable proof the charges were fraud. I called all merchants to report the fraud charges and they ALL SAID CHIME HAD TO ISSUE CHARGE BACK ON THE CHARGES IN ORDER FOR THE MERCHANTS TO CANCEL THE SERVICES I WAS ILLEGALLY CHARGED AND UNTIL CHIME ISSUES A CHARGE BACK THE THEIF HAS CELL PHONE SERVICE THAT I PAID FOR!!!! THAT IS COMPLETELY UNJUST!!! 

CHIME DENIED THE FRAD COMPLAINT AND SAID ALL CHARGES WERE VALID AND AFTER I ONCE AGAIN SHOWED THEM THAT THEY ARE WRONG WITH COMCRETE PROOF THEY SAID IT COULD TAKE UNTIL XX/XX/2023 UNTIL A ANSWER IS GIVEN AND UNTIL MY FUNDS ARE REFUNDED. 

CHIME CLAIMS THAT FOLLOW FDIC RULES AND REGULATION and also advertises they follow visa fraud back program but they are not in my case and I demand they help me and follow the standards and procedures they are governed to follow.!! 

RE : Account Number : XXXX Claim ID : XXXX Fraudulent charges all are from XX/XX/XXXX ; I provided proof I was 100 % unable to make the charges ... XXXX {$13.00} ... {$20.00} ... {$29.00} ... {$33.00}.
Product: Debt collection

Someone used my information to take out a Speedy cash loan for XXXX and now it is XXXX for interest added. The company name is AD ASTRA Recovery Services INC. Account # XXXX file # XXXX-XXXX-XXXX  Tel XXXX I did not take this loan out. Please help clear this up Thanks XXXX XXXX
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, yet they are erroneously reporting me as late.
Product: Debt collection

Had a XXXX  month lease and toward the end the apartment had mice so we did not renew the lease for XX/XX/2016 we completed an attempted to vacate form gave it to management and moved. We were not notified of a balance or given an itemized list of the balance. Recently spoke with the current manager and was told to dispute because she could not find anything and she would call when she received the dispute yet she has not called and the amount remains on my credit. This negative should be removed.
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 told XXXX, Transunion, and XXXX to reinvestigate the Account Number # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Payday loan

They have called me 38 times since XXXX XXXX. Call from the same number but give me a different number to call back. First they said their name was XXXX XXXX. On Friday they called me from the same number and said their name as American Credit Adjusters and to call on XXXX. They have sent me nothing in writing. I consider this harassment!!!
Product: Debt collection

I was randomly called about an alleged debt they claimed I have. I didnt know anything about it and asked for time to have this audited and have some information sent to me. I went through the audit process with the hospital and when I was finished I attempted to log back onto my acocunt with XXXX   so that I could address the alleged debt. At that time I could no longer access my account. It says my account could not be found. I have sent about 15 emails to the company XXXX  ( A XXXX XXXX COMPANY ) telling them this and they will not give me any answers. I was sent a reply back once saying that my account is in the legal department and I need to call a specific number but I dont have a working phone right now and can only communicate via email which I have told them over and over again but they refuse to communicate with me and give me any answers regarding this alleged debt so that I can take the appropriate actions on it. ( Also I already made a payment on this account so that I could avoid escalating it but now that they have locked me out of my account I have no way to even know if that went through, whats remaining, or how it affected my account status. If I could get into my account I could make arrangements but they are locking me out of everything and refusing to communicate with me all the while the clock is ticking and I could have my wages garnished and irreversible damage done to my credit if I dont make a payment arrangement. How am I supposed to make a payment arrangement when they havent even sent me anything that explains what this alleged debt is from and why they feel i am responsible for it? How am i supposed to make any kind of arrangement at all when they wont communicate with me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters listing the inaccurate information on my XXXX  XXXX XXXX account and I've asked EXPERIAN to please delete the account because it's inaccurate and in violation to the Fair Credit Report Act. 
The debt was sold to a collection agency and it's not being reported. 
The amount is inaccurate. 
The payment history is inaccurate. 
And they are still reporting new late payments on a closed account.
Product: Credit reporting or other personal consumer reports

Re : Notice of Intent to Arbitrate Dear Experian, XXXX XXXX XXXX XXXX XXXX, XXXX I am writing to formally notify Experian of my intent to initiate arbitration under the terms outlined in the Experian Consumer Credit Reporting Agreement. This notice is pursuant to the Federal Arbitration Act and any applicable arbitration provision governing my relationship with Experian.

The basis for my claim is as follows : 15 U.S.C 1692d is a section of the fair debt collection Practices Act FDCPA that Prohibits debt collectors from engaging in abusive, harassing or oppressive conduct in connection with the collection of a debt. This law provides important protections for consumers against unfair treatment by debt collectors. Because of my financial lost do to the over reporting of this Bankruptcy with the XXXX court which I have disputed with your company several times and the information has been updated and has had a major effect on my credit worthiness I am seeking the amount of {$50000.00} and this information removed from my credit report immediately.

In accordance with the arbitration agreement, I request that Experian provide me with the contact information for its designated arbitration representative so that I may proceed with filing my claim with the appropriate arbitration body. Please note that I intend to pursue all available legal remedies in this matter.

Please acknowledge receipt of this notice within 10 days of receipt, as stipulated by the terms of the arbitration agreement. Failure to do so will be taken as a refusal to engage in good faith arbitration proceedings.

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



Sincerely, XXXX XXXX XXXX
Product: Debt collection

A customer service agent from the original creditor Capitol One reached out to me by email and phone on Tuesday around XXXX. At first when I was talking to her, I was very hesitant about giving her my info without her verifying what info she actually had on this account. Mind you this conversation was recorded. When I finally asked the lady if I give her my social security or the last four will she verify that it is my social security and if not take this off my credit report. She did not agree to removing it off my credit report which I did not understand but I do know that it is fraud to not remove an account that can be proven not to be mines off of my account. However, I gave her the number and she did research and said no that is NOT the social security number that we have on file. would that not be enough to remove that from my credit file? She asked me to send my documents in to here ; however, I do not feel comfortable sending my documents to a company I am not affiliated with. I have decided that I will stand my ground. The case number I was supplied on this case is XXXX. If this was under my social security number I would have filed a fraud dispute ; however, since they have confirmed to me that it is not my social after all these years I beg you to quit letting them falsely keep this on my account and dampen my good credit history by coming after the wrong person. PLEASE.
Product: Credit card

In XXXX of XXXX I took advantage of a balance transfer promotion offered through bank of America. I setup autopay on that account so the account would be paid on time until the debt was paid in full. This month XXXX of XXXX, when logging in to the bank of America XXXX, I noticed for the first time a late charge on my transaction history. This was odd to me considering I had autopay taking care of my payments for over a year now and had never been alerted to or notified that payments were being made late. I went back and reviewed all of my statements since taking advantage of the balance transfer offer, and was disturbed to discover that since the inception of the balance transfer offer, the auto payment date had been set to 3 days after the payment due date. This bank error has resulted in my account being charged a late fees since XXXX of XXXX up to and including this month XX/XX/XXXX. These late fees add up to nearly XXXX dollars. 
I contacted Bank XXXX XXXX credit card sector through my local branch and they only agreed to waive XXXX out of the XXXX late fees because they claim the system shows all the late fees to be valid. I escalated the situation to a supervisor whom offered no extra assistance or remedies for my situation. I also asked the supervisor for his XXXX or someone above him that I can contact regarding this special situation and he declined to provide any such info, claiming that there is nobody else to talk to. 
This entire situation is a result of Bank of Americas faulty autopay system. I set up auto pay on their app with the understanding that payments would be made on time. I literally set it and forgot it and was never notified of any issues with my autopay. If a bank is going to engage in digital payment options, those apps should be fool proof and never allow for something like this to happen. I want Bank of America to waive all late fees that have been a result of their system failure.
Product: Debt collection

They settled. I paid it off and received a letter that it was settled. It is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also on XX/XX/XXXX I disputed XXXX XXXX XXXX  and it came back as verified. I would like to know how this information was verified.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I went to SoFi web page to see what rates would be for a refinance of my student loans. The website is confusing and directed me to enter my name, address, zip code, phone number, DOB, citizenship, home ownership, school info, employment info and current student loan information. In hindsight outside requesting my social security number ( they did not and this was not provided ) this was an application for credit. Why must we fill out an application for credit to obtain rates for a refinance. 
When I hit enter on the web site or as they wrote " submit to see my rate '' I was declined. I then received a form letter ( digital ) stating " After carefully reviewing your application, we are sorry to advise you that we can not grant a loan to you at this time. If you would like a statement of specific reasons why your application was denied, please contact our SoFi XXXX XXXX XXXX within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. 
I phoned SoFi to figure out what was going on and explain I did not request credit from them, I only wanted rates. I was told that they pull a " soft '' inquiry on my credit and based on that I was declined. Ok .... It did not seem to me that I was granting them the ability to " soft '' check my credit or that I was applying for credit .... I just wanted rates. 
In my humble 15 years as a Consumer Underwriter and Manager for a XXXX bank that must adhere to all the CFPB requirements, that this was a very deceitful tactics to create an application and render an unwanted credit decision, good or bad. The Website is very misleading and very upsetting to me as a consumer that to find rates I must first be run through a credit check? I understand rates change with credit scores, however they should be published for the viewing public?
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that there are fraudulent accounts listed. These accounts were not opened by me and are negatively impacting my ability to obtain credit. 

I kindly request that these fraudulent accounts be investigated and removed from my credit report. Please let me know if any additional information or documentation is required to process this request. 

Thank you for your prompt attention to this matter. I appreciate your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an active participant in the MD HAF program since XX/XX/XXXX I was approved on XX/XX/XXXX for Mortgage, Utility and HOA assistance. 

My previous loan servicer Lower LLC reported my account as late and they have yet to apply the funds to my account. It was admitted that they received a check on my behalf, however returned the check because of a discrepancy in the amount. The amount was " too much '' as confirmed by Loss mitigation- so they sent the check back and within 5 days reported my account as late. 

According to new regulations, servicers aren't supposed to penalize and adversely report late payments to credit bureaus knowing the applicant is both participating and approved for payments.
Product: Credit reporting or other personal consumer reports

These accounts in my report are hurting me because they are fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$15000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against PayPal regarding unlawful practices concerning my account, particularly related to blocking my ability to dispute a transaction and forcing me into a negative balance. 

Background : On XX/XX/year>, I made a purchase with XXXX, processed as an instant transfer by PayPal. 
On XX/XX/year>, XXXX refunded the amount, which was credited to my bank account ending in XXXX. 
The following day, PayPal placed my account in a negative balance of {$42.00}, despite the refund being processed. 

Previous Experience : This is not the first time this has happened. In a prior incident, after disputing a transaction with my bank due to a scammer, my bank refunded me, and PayPal still put my account in the negative. They also blocked my ability to dispute the transaction. When I tried to file a complaint, PayPals system said the transaction ID was not available for dispute. 

Ongoing Issues : PayPal representatives have repeatedly told me that the only solution is for me to add funds to my account, despite my clear explanation that the transaction was refunded. 
I have received repetitive emails and calls from PayPal with the same answers, insisting I pay the negative balance, but they have ignored my requests to dispute the charge. 
PayPal informed me that this is part of their legal agreement, but it is still illegal under U.S. consumer protection laws to block my ability to dispute the balance. 
PayPal told me to contact the websites where I made these purchases. After I did so, they still kept my balance in the negative. 

Legal Violations : Under U.S. consumer protection laws, including the Fair Credit Billing Act ( FCBA ) and Electronic Funds Transfer Act ( EFTA ), I have the legal right to dispute unauthorized or erroneous charges before being required to pay. Blocking my ability to dispute this balance and continuing to ask for payment is both unethical and unlawful. 

Despite requesting all communications be handled via email, I was contacted through PayPals message center by a representative named XXXX, and the platform doesnt allow me to respond. PayPal has yet to honor my request for email communication and has failed to escalate the issue properly. 

Request for Assistance : I am requesting your assistance in investigating and addressing these unlawful practices. I have already filed a complaint with the XXXX XXXX XXXX  ( XXXX  ) and will pursue legal action if PayPal continues to violate my consumer rights. 

Thank you for your time and attention to this matter. I look forward to your response.
Product: Vehicle loan or lease

I made an deferred payment plan ( thinking They would put this payment on the end of the loan ), but they ended up making make 2 payments in that month, so I still had to put the money out that Id didn't have.The differed payment was supposed to help me but it didn't because they still made me pay the full amount. Then I paid XXXX $ for two months straight was told that my payment would only be XXXX $ the next month but it ended up full amount the following month so I got behind again.