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

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXXXXXX XXXX XXXX XXXX XXXX - {$2300.00} Personal Information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

The wrong information is on my credit report. Including an address I be reported more than once. I keep getting calls about a car and a house in my name but cant find any other information. I want this issue resolved.
Product: Checking or savings account

I have an account - checking- with Citizens bank in XXXX Vermont. They have a policy that seems to me onerous and should be illegal. 
If a customer ( me ) accidentally overdrafts, they charge a fee of {$35.00} and they have a policy that they can charge you this up to four times a day if the person trying to charge attempts four trys. So right away I owed them {$140.00} overdraft fee when the XXXX XXXXXXXX XXXX tried to charge my account {$1.00} four timmes in one day. 
Then tthe Citizens policy allows them to continue to charge me {$35.00} a day for every day that I do not stop the XXXX by making a deposit to cover the current overcharge. 
For someone like me on social security of {$1500.00} a month which is auto deposited to this account once a month, the bank will eat my entire social security check of {$1500.00} within one month. 
If this is legal it shouldn't be. XXXX XXXX bank has a policy, for instance, that allows a customer to overdraft by {$450.00} and they charge a one-time fee of {$35.00} which the customer can rely on not to increase for at least one month while the customer finds the money to correct the overdraft. 
This is sane and reasonable and should be the norm.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : The reported late payment is incorrect because my payments were made on time, which falls within XXXX XXXX  's 15-day grace period. Thus, the account should not have been marked as 30 days late. 
Clerical error by XXXX XXXX  : It appears that XXXX XXXX  incorrectly processed my timely payment. Bank records and payment confirmations show that my payments were complete, well before the 30-day late threshold. The late payment status was applied due to an error on the creditors part. 
Evidence Provided : I have attached bank statements, payment confirmation emails, and account records from XXXX XXXX  showing that the payment was received and processed on time. These documents confirm that no delinquency occurred, and the account should have remained in good standing. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX has reported on my credit report an old account that keeps showing up on my credit report, I've attempted numerous time to explain and dispute with Equifax that the account XXXX XXXX account ending in XXXX for the amount of XXXX XXXXXXXX XXXX XXXX XXXX, Is an Old Account and to please take off my credit report. XXXX fails to do a proper investigation with no reason on why this old account is still on my credit report. One year the account XXXX XXXX  ending in XXXX in the amount of XXXX XXXX XXXX XXXX XXXX, will disappear and next it will show back up. 

Please Note : that XXXX, and Equifax both have different balance of this same account proof of that is is in the CFPB portal Having two different balance on the same account between Equifax and XXXX is a violation through the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX ) Mid XX/XX/2024 -- Bank of America REDUCED my business credit card limit to {$1000.00} from over {$47000.00} on company credit card for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Early XX/XX/2024 -- Bank of America REDUCED my XXXX business credit card limit to {$1000.00} on company card for XXXX XXXX XXXX XXXX When I inquired for the reason the credit dept claimed that I had too many credit inquiries on my credit report -- BUT REFUSED to provide any documentation to justify their decision.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX  XXXX - XXXX XXXX. XXXX XXXX  XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

I pull my credit reports and I have several hard inquiries on my credit report that I have no knowledge of and did not approve. I have tried to dispute them but no result. I have disputed online with the credit agencies but nothing has been resolved. Would like to file dispute. 
XXXX XXXX XXXX  XXXX, inquired on XX/XX/year>, auto loan, XXXX report FNB Omaha, inquired on XX/XX/year>, credit card, XXXX report XXXX XXXX XXXX, inquired on XX/XX/year>, XXXX report
Product: Checking or savings account

My card was stolen on XX/XX/XXXX  when my car was broken into while i slept. When i noticed unauthorized transactions i called chase immediately. There was one big purchase at a XXXX and also an atm transaction. I made the claim and continued to follow up a few days following. I got a provisional credit for one of the transactions but it was soon reversed. I asked for the documents of the things they used in order to deny my claim and NEVER RECEIVED THEM. Im sure they could have gotten access to cameras to show that it wasnt me. My account was in the negative and has now been closed due to the time frame. I recently discovered about the CFPB and am submitting this in hopes of getting this resolved.
Product: Credit reporting or other personal consumer reports

The credit bureaus refuse to increase my credit to the correct level. They are forwarding incorrect credit to my credit card companies as if I have delinquent loans and outstanding balances. My credit is clean. I only have a XXXX XXXX XXXXXXXX credit card that is open and in good standing
Product: Debt collection

I was illegally XXXX by a prowling opinion that felt obligated to call me abused and interrogate me as if I was a threat to someone or myself illegally and now insists that I pay the bill it created by attacking me and giving me no right to representation or even a say so with its own decisions and blaming even my parents. The bills created by this covetous force should be sent to who created them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I opened an American Express credit card with my business along with my XXXX number. On XX/XX/2023 I received Notification that my American Express business credit card was reported on my personal credit report, which is affecting my score. Its to my understanding that a business credit report is not supposed to be placed on a personal credit report upon asking American Express to provide me with a copy of their policy of their credit reporting I was declined to receive any copy of any policy that states American Express has the right to report a business credit on a personal credit report.
Product: Debt collection

Grant & Weber collection agency changed my personal debt and billed it to my employer. My account number remained the same, but they billed it under my employer 's corporate name and included a website and password to access my debt which they disguised as debt owed by the corporation itself. This not only exposed my personal debt to the company, but they also almost payed a debt that they did not possibly owe. 

I have disputed this debt for over 2 years because of incorrect billing and overcharges and this agency has refused to contact the original creditor to resolve the matter. I had stopped making payments when I reached an amount that I was willing to settle at for the incorrect billing. This credit agency made the move to bill my employer as a retaliation for not paying the full sum.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my credit. Please remore these accounts from my report, they are hurting my ability to obtain credit. This is a violation of 15 U.S code 168i ( 5 ) removal of inaccurate invalidated credit information. XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024, I attempted to access my TransUnion account and was unable to due to a Verification Error. After resetting my password and resubmitting my personal identifiable information, I was still unable to access my account. I called TransUnion XXXX XXXX and was placed on hold for over an hour  without speaking to a Customer Service XXXX. I then called TransUnion XXXX XXXX  for assistance and was also placed on hold for over an hour. While waiting to speak to a live person, I went online to get help via TransUnion XXXX XXXX. I was able to get someone via Chat and ended the call with TransUnion Login Support but called the Customer Service and selected Option XXXX, which was to have a Customer Service Agent call me back. In the meantime, I tried troubleshooting with the online XXXX XXXX XXXX  to no avail. So, after XXXX hour and XXXX minutes, with no success, I terminated the chat. At XXXX, I finally receive a call from TransUnion Customer Service and the Agent read a script that said " XXXX XXXX XXXX XXXX  is now close. Please call back tomorrow between the hours of XXXX and XXXX for assistance. '' On Saturday, XX/XX/scrub> 2024, at XXXX, I called the TransUnion XXXX XXXX XXXX and again received the automated message saying that " Due to the high volume of calls, you will have to wait to speak to a Customer Service XXXX  or select Option XXXX to have them return your call. '' After waiting an hour, I ended the call. I later called back Customer Service at XXXX and received the same automated message and waited. At XXXX, I selected Option XXXX to have a Customer Service XXXX call me back. As with yesterday, I receive a phone call from a XXXX XXXX XXXX XXXX that read the same script that " XXXX XXXX XXXX XXXXXXXX is now close. Please call back tomorrow between the hours of XXXX and XXXX for assistance. ''
Product: Debt collection

IQ Data has been attempting to collect on a debt for the past four years that was signed and forwarded to them by one XXXX XXXX representing XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX at XXXX XXXX XXXX. 

On XX/XX/2019 XXXX XXXX stated, under oath, that she did not have the authority to attest or sign legal documents. She was only the community manager. The debt claimed by this collection agency was signed by the same XXXX XXXX and was based on legal documents of an alleged debt by, once again, XXXX XXXX. 

The debt is either invalid or the entities above have perjured themselves in court. 

The debt is in either case invalid and not verifiable. The collection agency would need to provide another signed document by an authorized party, from the inception of that debt or else remove the debt from all bureau reports. 

Enclosed is the case number and hearing information where I was required to refile against a party with legal authority. XXXX XXXX was present as the defendant for the entities and not qualified by her own admission to being a legal authority to handle financial matters for the property.
Product: Credit reporting or other personal consumer reports

TRANSUNION, YOU CAN NOT SAY DEBTS THAT ARE IN SOMEONE ELSE 'S NAME ARE MINE WHEN THOSE DEBTS ARE .XXXX IN SOMEONE ELSE 'S NAME! XXXX AND THEN JUST ADD MY NAME, TO THOSE DEBTS. XXXXTHAT IS ILLEGAL. XXXX XXXX XXXX -not mine and not even in my name. 
XXXX XXXX XXXX not mine and not even in my name. 
XXXX XXXX not mine and not even in my name. 

REMOVE ALL XXXX Describe your method of " verify '' in detail. YOU REFUSE TO TELL ME HOW YOU VERIFIY your lies repeatedly. You responded far outside the 30 days. THIS ALSO IS ILLEGAL.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

Right before XXXX my debit card was used to make 13 charges for {$79.00} within seconds apart. I never authorized these charges and the bank gave me a provisional credit. Now they are saying after reviewing the documents that charges were authorized. Have threaed to take the money back. I have requested documents they say was used to prove it was authorised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying several ways to reach this creditor claiming I owe a debt to a card opened with a XXXX. The account reads as follows on my consumer report ... COMENITYCB/XXXX This is a fraudulent account and I have never had any dealings with this creditor. 
By reporting this inaccurate fraudulent information on my consumer report to the credit bureaus this is not only unvalidated, unverified a d fraud bit I my consumer rights have been violation in many ways and litigation will be pursued concerning this matter if it persists and remains reported
Product: Credit reporting or other personal consumer reports

I sent all information by XXXX XXXX correct the address problems I was have old address dont belong to me I need real deal of contract that was surprise be XXXX XXXX that can send me paper work, find it Been problems with credit a breach contract all these credits.
Product: Credit reporting

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, AND XXXXand have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, XXXX, and Experian multiple times, but the errors persist. Despite my repeated attempts to resolve this, no meaningful action has been taken to correct the discrepancies. 

The following violations apply to this matter : 15 USC 1681i ( a ) ( 1 ) : This challenges the failure to investigate disputes within the required 30-day timeframe, resulting in delays in correcting inaccurate information.

15 USC 1681e ( b ) : This challenges the accuracy requirement, as the credit bureaus failed to ensure that the information reported was as accurate as possible.

15 USC 1681c ( a ) ( 5 ) : This challenges the reporting of outdated information, which should have been removed after the legally required period, but continues to appear on my credit report. 

I am requesting that the CFPB investigate these violations and ensure the credit bureaus comply with the Fair Credit Reporting Act by correcting the inaccuracies and ensuring timely, accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this on my own - stop assuming it's a 3rd party. 
This AGENCY is violating my privacy and rights and have continued to do so despite me pointing out in the last 3 letters that they have INACCURATE data in my report which MUST be deleted in accordance with the FCRA. In addition to information being inaccurate, a proper investigation has not always been performed because at times, the status of the accounts in question NEVER changed after the 30 days they take to investigate. I am giving you directions to avoid litigation to delete the 2 accounts in question based on the inaccurate data I pointed out to your company in the last 3 letters. Attached is the last letter in which you can see the additional inaccurate information for the accounts in question.
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXXXXXX  ) {$4900.00} To whom it may concern, Your company is currently reporting an eviction on my credit report. It needs to be deleted because this account is UNVERIFIED and I am a victim of IDENTITY THEFT. I took the liberty to go to XXXX, XXXX and they have deleted the eviction from their records due to IDENTITY THEFT i have proof of a person forging my signature attached to this document. 
You have 30days from the date of this letter to delete this account if you can not produce DOCUMENTS of this account being accurate. This letter is NOT a request for you to automatically verify this account with no proof. I have done the footwork to protecting my rights and no company has been able to give me more information on this eviction which is preventing me from getting residence. 
Please understand I am fully prepared to file an offical complaint with the CFPB, XXXX, and the Attorney General if you do not abide by the FCRA and FDCPA regulations. 
Best Regards XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint against Lead Bank due to a serious case of identity theft involving my account number XXXX which was obtained through the help of XXXX XXXX. Despite providing extensive evidence and documentation from both the Attorney Generals Office and the Federal Trade Commission ( FTC ), Lead Bank has failed to take appropriate action to resolve this matter or offer any substantial support during this ordeal. My personal information was stolen and used to fraudulently open and manage accounts under my name. I became aware of this breach when I received suspicious communication regarding activities associated with my account. I have immediately took action by filing reports with the Attorney General and the FTC. I am providing Lead Bank with documentation from both the Attorney Generals Office and the FTC. The bank has shown minimal cooperation in rectifying the issue and must discontinue unauthorized activities under my name. As a result of this identity theft my credit score and financial stability have been negatively impacted.