23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Status shows : Account charged off. {$1000.00} written off Account XXXX XXXX This was paid off in FULL and closed and was told would be removed. 
Reached out numerous times NO UDATE from Experian. XXXX XXXX is stating this was reported numerous times. 


XXXX XXXX XXXX Status shows : Paid, Closed. {$790.00} written off Account XXXX XXXX This was paid off in FULL and closed and was told would be removed. 
Reached out numerous times NO UDATE from Experian. XXXX XXXX is stating this was reported numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final request to investigate and remove fraud accounts. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below XXXX XXXX XXXX Date fraud - XX/XX/XXXX XXXX  XXXX XXXX date fraud - XX/XX/XXXX XXXX date faraud - XX/XX/XXXX I have proofs that all of these accounts are not mine and I spoke with banks, they going ro remove everything from system. Please remove from all 3 bureau all fraud accounts as soon as you can. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Mortgage

I was notified 6 months ago by the borough where my building is located that my taxes were in arrears. The taxes are paid through the escrow account at BankUnited so it is not something I reviewed on a consistent basis. I had not received any past due notices from the borough because they were sending them to the previous address where the XXXX was formed and not to the physical address where the building is located. I immediately notified the bank. After many calls and many months of waiting, I was informed that in 2019 in some sort of mishandling the borough returned the check to the bank and stated it was an overpayment. No one from the bank called me to help in solving this obvious error. The bank continued to pay but all payments were applied to the old balance. 
Unfortunately for me this came to penalties and interest that the bank said was my problem. In order to avoid any more problems with the borough and because the bank refused to accept any responsibility I paid over 4,000.00 in penalties and interest.
Product: Debt collection

Received a warning of wage garnishment. I have not received any prior notice of this debt or the intent to garnish wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Validation of Debt Inquiry - Account Reporting Dispute Dear Sir/Madam, I am writing to dispute the accuracy of certain information appearing on my credit report. According to the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g, I hereby request validation of the debts associated with the following accounts : Account Name : Personify Account Number : XXXX Account Name : XXXX Account Number : XXX Account Name : XXXX XXXX Account Number : XXXX After carefully reviewing my credit report, I have noticed that the aforementioned accounts have been reported, but I wish to assert that I have no knowledge or recollection of these accounts. As per the FDCPA, I have the right to request verification of the debts to confirm their validity and accuracy. 

I dispute the accuracy of the account number, high balance, and any late payments associated with these accounts, as they do not align with my financial records and do not meet the guidelines established by the Fair Credit Reporting Act ( FCRA ). As such, I am seeking detailed information on the origin and validity of these debts. 

In accordance with the FDCPA, I kindly request the following information for each account : The complete account history and details of the original creditor, including the date the account was opened and closed ( if applicable ). 
Verification of the debt amount, including an itemized breakdown of the outstanding balance, interest charges, and fees. 
Documentation proving that I am legally obligated to pay the alleged debt. 
A copy of any signed agreement or contract pertaining to the debt, bearing my signature, that confirms my acceptance of liability for the alleged debts. 
Proof that the statute of limitations for collecting this type of debt has not expired. 
Please be informed that until these requested details are provided, I expect that the disputed accounts be flagged as " in dispute '' to prevent any negative impact on my credit score and creditworthiness. Additionally, I request that all communication related to these accounts cease until their validation is completed and the accuracy of the reported information is verified. 

Kindly acknowledge receipt of this dispute letter within 30 days of its receipt. If you fail to respond or provide the requested validation within the stipulated timeframe, I reserve the right to seek legal remedies available to me under the FDCPA and FCRA. 

I have enclosed a copy of my credit report highlighting the disputed accounts for your reference. Thank you for your prompt attention to this matter.
Product: Debt collection

This is a debt that doesnt belong to me I dispute this account on my credit back in 2015 and it was removed. Now its pops back up maybe a month ago so I dispute it again asking for proof of verification. I get an alert that the account has been removed again ok great. But no today I get an alert that this account is back on my credit but now the bill is more then double. This is not my account and they are lying to the credit company ' s which now is affecting my life. They are calling me from different phone numbers.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and Equifax regarding multiple fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft. 
Upon reviewing my credit reports, I discovered several accounts that I did not open or authorize, including : XXXXXXXX XXXX  ( Opened : XX/XX/XXXXXXXX XXXX XXXX ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ) XXXX XXXX XXXX Accounts XXXX Opened : XX/XX/XXXX & XX/XX/XXXX ) Additionally, I found unauthorized hard inquiries from TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
I have already submitted a formal FTC Identity Theft Report ( Report Number : XXXX ). I have attached my FTC Identity Theft Report as supporting documentation. Please take prompt action to resolve this matter and provide a written confirmation once the corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 90 plus days past due on the XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

[ XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, the account is not accurate.
Product: Debt collection

Received a bill  from Credit Control Cooperation ( Fo rmally known as   XXXX   XXXX   XXXX   ) on or about  XXXX   XXXX   XXXX  for the amount of {$130.00}. Called company and they said I had a bill I had not paid. I disputed that and said I had my records to prove that I had paid all the bills from the   XXXX   XXXX   of  XXXX   (  XXXX  )  from last year  XXXX . They told me that I did not owe anything and could n't understand why I had been billed. Transferred to another dept they said they would investigate. Called back the next day and said I owed a bill from  XXXX . I called them back and asked if I owed a bill from that time why did anybody bill me repeatedly or call. They said I must have moved thats why I did not get a bill. Wrong, have been at same address for 18 years. Oh I must have a different telephone number. Wrong have had the same number for 18 years. Then they said if I did not pay they would put this information on my credit report in  XXXX . Have tried to get in touch with   XXXX   but they have not returned any calls. If I had owed from that time why did I never get a bill. Also I had an account with  XXXX  last year, there was some accounting errors last year but the  XXXX  said it was because of moving billing companies. I was told that I had paid all by bills. If I had an outstanding bill form  XXXX  would n't I have known about it and wouldent they have billed me again last year. Additionally, I believe that the statue of limitations has passed for the supposed debt. Why are they doing this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters and called the credit bureaus as well as the merchant to sold this issue. 
I dont have any late Payments and if so can they please send me something. I never received any bills online or mail.
Product: Checking or savings account

I contacted XXXX XXXX  on XX/XX/XXXX to do a dispute for XXXX XXXX  that was cancelled. As of XX/XX/XXXX I have yet to receive a temporary credit while waiting on my claim to be completed. Apparently they sent me a email to upload docs pertaining to my dispute on XX/XX/XXXX but I didnt see it till today and was told I have to submit docs 1st which is fine but then I was told my dispute was not eligible for a temp credit even though it was a debit card charge that falls under Reg E. Back in XXXX they restricted my debit card usage for valid disputes and I have now been accused of abuse card behavior for filing valid debit card dispute from back in XXXX. It unfair to tell me that basically I shouldnt have filed valid disputes because too many could look like abuse of my account. I shouldnt be punished for having to do valid disputes and now Im scared to do disputes with them out of fear of being restricted from other things with them. It is my right as a consumer to get back money owed to me from a merchant rather due to refund, cancellation or incorrect amount and I shouldnt be penalize and targeted for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$740.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-COLLECTIONS- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$740.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

the following accounts were open fraudulently while i was in federal prison TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX I WAS INCARCERATED FOR THE LAST 17years in the FEDERAL PRISON SYSYTEM THERE WAS NO WAY I CAN IOPEN ACCOUNTS WHILE IN FEDERAL CUSTODY!
Product: Debt collection

This collection suddenly appeared on my credit report at the beginning of this year with an open date of XX/XX/2024, with XXXX  XXXX XXXX as the original creditor. I have disputed this account with the credit bureaus asking for verification and documentations that I have yet to receive. I don't live in Tennessee, and I have not lived there for more than XXXX  years. Unsure how an account will be open for medical debt in TN when I live in GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX  Date of Inquiry : XX/XX/year>
Product: Checking or savings account

My company, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has had a checking account with Chase Bank for over 16 years. We pay most of our bills using their online bill pay service. Some payments are electronic, but for others Chase issues a paper check & mails it to the payee. On XX/XX/2022 I directed Chase to pay {$1500.00} to " XXXX XXXX XXXX XXXX' on our behalf. Chase issued a check. On XX/XX/2022 XXXX XXXXXXXX XXXX ontacted me about the payment they hadn't received. I recalled seeing it cleared my account, so I went the Chase website and pulled up a copy of the cleared check. To my disappointment I saw the payee shown as " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ''. Since we nor the XXXX XXXX know anyone by that name or address, I can only assume the payee was altered ( Chase 's own records show it was originally written to XXXX XXXX XXXX  ). I immediately reported this to Chase. I was informed that they would be sending me a " Declaration of Unauthorized Endorsement or Altered Item '', which I recieved, filled out & returned on XX/XX/2022. I was told that although it would take Chase 90-120 days to recover their funds, that my account would be credited within 10 days to two weeks. In the meantime we paid XXXX XXXXXXXX XXXX for the money that was missing ( not their fault ). On XX/XX/XXXX I realized Chase had not added the funds to our account, & after reaching a supervisor ( XXXX ) I was told we will not get the funds restored to our account until Chase gets its funds back from the bank where the check was cashed or deposited ( 90-120 days ). Chase, having issued the check, could easily have in place a system to confirm payees are not altered to avoid this risk. XXXX chooses to accept this risk. We did not. A cost of accepting that risk should be that Chase bears the burden of temporary or permanent loss of funds for their reckless policy. All we are seeking is the restoration of the stolen {$1500.00} to our account. I have included documentation of what's been described, & our account activity since XX/XX/2022 so you can see the funds have not been restored. Thank you.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes for these companies along with other, others were disputed and removed
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the lawsuit. Despise using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost was impossible n tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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 card or prepaid card

On XX/XX/2022, I made a purchase from XXXX online for {$150.00}. During this process they added on a second purchase of {$26.00}. When they sent the confirmation notice, I found out that they had added on the second item. I immediately called them to -protest .and to cancel the order. They said that they had processed the order. I told them that I would refuse the order and they then offered a refund of XXXX When I received the order, I did refuse the package and sent it back by U.S. Postal service. I have a tracking receipt. I did get the {$75.00} refund. The company never admitted that they received the package back. When I called Citibank about the issue I sent them the tracking receipt, they investigated and withdrew the {$150.00}. but later within the billing period put the {$150.00} back on my account. I also sent them copies of two statements from the company that they had cancelled the two orders.. I use this card for XXXX purchases, and hardly ever for anything else. Usually I pay the full amount owed each month. Citibank has threatened me that they will report.me to the three reporting companies if I do not pay them {$150.00}. I do not have the merchandise, I sent it back and have proof. Tt is unfair to try to compel me to pay for something that I have not benefitted from.
Product: Credit reporting or other personal consumer reports

I am seeking your assistance concerning the erroneous account appearing on my credit report. This matter has been damaging to my reputation, and I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per my previous complaint ; ID number- XXXX on XX/XX/2023 on Experian XXXX XXXX XXXX XXXX reporting account # XXXX ( U S DEPT OF EDXXXX ), I have not received any correspondence back from this agency in reference to my dispute. Experian is now in VIOLATION of 15USC1681 ( i ) - [ Procedure in case of a disputed accuracy. } Congress states ; " that before the expiration of the 5th business day period beginning on the date on which a Consumer Reporting Agency receives notice of a dispute from any Consumer or Reseller the agency shall provide notification of the dispute to any Person who provided any item of dispute At the address and in the manner established with the person ''. 

Their continuous Non- compliance with federal law and procedure has weakened my faith in the banking system and is harming my family.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below that still appears on my credit report, even after your investigation. I would like this item re-investigated immediately. It is highly injurious to my credit score XXXX XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, provide the names and business addresses of each individual of whom you verified about so I can follow up. Please send an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, we should remove any incorrect accounts from my credit report. Could you take a look at the documents? There are inaccuracies in the listed accounts, such as incorrect amounts and dates.
Product: Debt collection

The credit reporting agencies are reporting that I owe student loans when I in fact have a XXXX balance. I have tried to update the information several times to no avail. This is a violation of my consumer and needs to be updated to zero balance immediately. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.