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

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 
Additionally, the statute of limitations for reporting a charge-off is XXXX years from the date of the first XXXX  that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections
Product: Debt collection

XXXX XXXX contacted my through my office phone about a debt that I do not owe?
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I tried to get a loan fr om Ace Cash Express a nd was told I had to give {$200.00} to start the loan process, and I gave it, then I was t old I needed to give {$400.00} for insurance purposes because I have poor credit, and to send it to a person located in the bank department, and I did along with {$25.00} for  XXXX , they got it a man named  XXXX   XXXX  was in charge, and he received it, now we are talking {$620.00} before I even get the loan. Now  XXXX   XXXX  says he wants another {$470.00} for a sponsor because of my poor credit!! I refused and said I just want my {$620.00} back and forget the loan ( this has been going on  for 5 w eeks now ) and now the chase is on for my money back,  XXXX   XXXX  has not answered my repeated phone calls and texts all I want is my {$620.00} back please help me thank you!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX contacted me about couple of years ago and said I was owing {$900.00}. I explained to them I was not. And this {$900.00} had been put on my account by XXXX XXXX which is the company XXXX XXXX is under. Now they used XXXX XXXX instead of XXXX XXXX when it had been proven I dont owe any money to them This has affected my credit report and its very sickening. It should be deleted for all 3 credit report agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I find from XXXX XXXX that I have an inquiry from Capital One done me on XX/XX/XXXX XXXX. I have not authorize Capital One to do an inquiry. They do not have verbal nor written permission from me to put my credit report on XX/XX/XXXX. The time I given to them was in XXXX to open up one. I do not want them to put my credit report without my written or verbal permission. That is illegal plus unlawful. Plus it is lowering my credit. I want them to notice XXXX  and get that unlawful inquiry off immediately. I would like for this to go public so everyone will know that they are pulling credit report unlawfully. 
I call XXXX  today and was told that I have to call Capital One and have it remove. They ( she ) would not even investigate. Therefore, the company ( XXXX ) is sent out incorrect information. She told me to call Capital One myself but yet you are send out incorrect information. They will not be able to produce a written or verbal conversation where I given them permission in XXXX to pull my credit.
Product: Credit card

On XX/XX/XXXX I ordered a XXXXXXXX XXXX XXXX XXXX XXXX 

I received the merchandise on XXXX, which was clearly not XXXX branded, and was not even the same as the picture on the website. 

The seller would not acknowledge the problem, and I opened a dispute on XX/XX/XXXX. 

After providing images showing the original item which I already have in addition to the differences to the advertised images ( the provided items don't even say XXXX! ), AND including online verification from XXXX validating that the received battery was not XXXX brand, Wells Fargo rejected my dispute on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and XXXX payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from, XXXX XXXX # 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Checking or savings account

XX/XX/XXXXI attempted to send money from my account to XXXX. 
They denied me and prevented me from sending my money to another legal company doing legal business in the US. 

It is my legal right to do this and they prevented me from doing so. 

I would like your assistance in helping remedy this prevention of my legal rights. 

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

I am writing to dispute the delinquency of payments on my account. I woke up this morning, XX/XX/2023 to a XXXX hit to my credit score over a charge of {$120.00} that I am just now finding out has been assessed to me since XXXX. I spoke to a representative at XXXX that claimed they had sent me letters to indicate my balance that was due to two parking tickets that had been assessed directly to my car. I have never had a ticket assessed directly to my car in XXXX years of leasing, so this is new to me as well. 


XXXX also claimed they had called me twice since XXXX to let me know but could not leave a voicemail due to regulatory laws in my state. If they couldnt leave a voicemail and I have not actually been receiving collection notices, how am I to know that I owe money that would ultimately result in such a significant penalty? Also, the account shows my balance is only 18 days overdue, so if these charges have been assessed since XXXX, wouldnt it show a longer delinquency? 


Nevertheless I have since been paying my car balance down regularly with no actual communications to me that I had been delinquent. 


I have attached proof from my bank account and with XXXX XXXX that I have been paying down the balance of my lease monthly at the beginning of every month and have been in good standing this entire time. I also am hoping that my overall good standing with my credit/finances can be taken into consideration at this time. I have never been late with a credit card payment, student loan payment in XXXX years, I have leased 4 different cars with XXXX and have never missed a payment there either. 


I believe this has been a miscommunication over a seemingly small amount of money that I would have paid had I been properly notified of the charges. I have attached payment of the outstanding bill as well. I have worked my entire adult life to maintain a good credit score in hopes to buy a house, and I am hoping this small issue does not set me back and this hit to my credit score can be removed and my original credit score can be restored.

Thank you so much for hearing my dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

My wages have been garnished I had no clue called to find out what it was about and they would only tell me it was a Wellsfargo debt and I owed over XXXX theyd remove garnishment if I agreed to pay XXXX by XX/XX/XXXX and XXXX a month for 57 months this debt is over seven years old or older. Im XXXX and on a fixed income income I tried to tell them but they didnt care
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit card

XXXX XXXX ordered XXXX jackets from Saks fifth Avenue on XX/XX/XXXX. I returned both. however, I got a credit for only XXXX. I called capital one to dispute this and they along with XXXX XXXX XXXX credited me for XXXX. I paid my final bill due of XXXX for {$12.00} capital one has that changed to XXXX bank and XX/XX/XXXX. I received the bill from XXXX Bank for {$350.00}. I have been disputing this since then they continue to harass me with phone calls letters and refused to refund the charge to 60 days late of which I lost XXXX points. I have this been disputing this for over a year. They are saying they returned the jacket back to me, which is erroneous. 
Case # XXXX XXXX  XXXX Credit {$350.00} Tracking # XXXX XXXX XXXX XX/XX/XXXX capital one removed charge XXXX paid on XXXX card XX/XX/XXXX
Product: Credit reporting

I have contacted transunion credit bureau. Over XXXX times asking them to remove over XXXX inquires that did n't authorize. I keep getting the run around I did n't authorize all those hard ibquires
Product: Debt collection

I have contacted Alpha Recovery Corp and disputed this debt for {$1200.00}. They sent a statement on XX/XX/17 from XXXX XXXX, whom I do not have an account with. I have requested documentation of a signed agreement, payments made, and anything that can be of use to law enforcement as we investigate fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the XXXX XXXX Equifax hack they believe that my personal information was affected. The leaking of this sensitive information could open me to the risk of identity theft and monetary loss. The lack of security from a company entrusted with the most important financial information of millions of people is inexcusable, especially since there is no opt-out option. I never chose to do work with this company, they have my information whether I agree with it or not, and now so does whoever hacked the system. Moreover, the fact that high ranking officials sold stock before the news became public so as to cash out before having to face the consequences of their ineptitude is just further proof these people should have never been trusted with our information in the first place.
Product: Credit reporting or other personal consumer reports

I resolved this debt with a settlement in XXXX of 2021. XXXX XXXX XXXX stated that upon payment they would remove this adverse credit from the credit bureaus and til this day its still on there. Although they sent me a letter saying this debt was resolved. Every time I try to dispute it to remove it from my credit they wont do it! Although they said they would having reaching a settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX PROVIDED MY CONSUMER REPORT TO THE BELOW LISTED ENTITIES WITH MY CONSENT. 

1. XXXX XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX XXXX XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX Inquired on XX/XX/XXXX 6. XXXX  - XXXX XXXX Inquired on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE SENT EQUIFAX A LETTER REQUEST THE REMOVAL OF THESE INQUIRES AS THEY DID SO WITHOUT MY CONSENT. Pursuant to 15 USC 1681b ( 2 )
Product: Checking or savings account

Credit Karma closed my account. The account was hacked and address changed on it. They won't send my money to me because they allowed it to get hacked. They kept letting it happen. All I want is the money sent to the original address that was on the account. They keep not sending it to me. It's been four months.
Product: Checking or savings account

On XX/XX/2023 I received a email stating I had a new account with Chime. I had not signed up for an account. I assumed someone had mistakenly typed my email. On XX/XX/XXXX I received another email from Chime stating I should be on the lookout for a Debit card being sent to my old address. At that point I knew someone had to have fraudulently opened a checking account in my name if they had my previous address and my email. I contacted Chime and told them it was fraudulent and they shut down the account. They advised I file a claim here. I then checked my credit report and found no credit pulls by Chime, so that was very odd that a bank account could be open in my name without showing on my credit report. I also did not immediately see anything erroneous, but there could be a delay in reporting. If a perpetrator is found, I would like to press charges. 
I have also filed a report with the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

Per section 1681 ( b ) I am allowed to dispute ANY AND ALL INNACURATE information being reported on my credit report. I have called as requested and disputed online, sent proof of identification and XXXX, XXXX, and Transunion continue to ask for the same thing without properly investigating. I am very aware of whats happening and using an EOSCAR SYSTEM TO VERIFY AND INVESTIGATE SERIOUS MATTERS IS NOT SUBSTANTIAL. I am allowed to know how information is being verified and by who to ensure fair and accurate reporting. My consumer rights have been violated per 1681 ( b ) 15 U.S.C1692, and statutory damages have been caused! I am asking for a thorough investigation of my report in 4 days. These matters will be escalated legally!! Please review all attached documents
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

JP Morgan Chase acquired my Mortgage loan from Washington Mutual XX/XX/2008.The interest rate on the loan was approx-2.85 per cent Because of one payment being late I paid the late payment with the second Installment and the bank failed to apply the payment refunded the payment to my checking account.Without filing any notice default and substitution of trustee the bank raised the interest rate from from 2.85 % to 9 % .This created lot of financial hardship we were forced to sell the property as distress sale.
Product: Credit reporting or other personal consumer reports

Hard Inquiry in my credit that I do not recognize for the company XXXX XXXX - ( XXXX  ) conducted on XXXX XXXX or XXXX XXXX.
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 XXXX : Account Number : XXXX Account Name : U.S. Bankruptcy : Court Reference Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Checking or savings account

My chase account was closed about a month ago and was told that Id receive my remaining balance in a check that was to be mailed to me in about 3 business days. So I waited it didnt not come. Called once again abd they said sorry the check was not sent out yet. They said theyll send of course same thing over abd over Im just getting the runaround
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete credit reporting. I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX XXXX  Account Number : XXXX Inaccurate Information : Monthly Payment : XXXX and Experian report {$4700.00}, while XXXX shows {$4700.00}, creating discrepancies in my financial obligations. 
Number of Months ( Terms ) : XXXX and Experian list 564 months ; XXXX inaccurately lists XXXX. 
Date Last Active : XXXX : XX/XX/year> ; Experian : XX/XX/year> ; XXXX : missing date altogether. 
Two-Year Payment History : Experian and XXXX show 120 days late in XXXX and XX/XX/year> ; XXXX does not report these delinquencies. 
Comments : Experian : CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. 
XXXX : XXXX XXXX Mortgage FHA mortgage. 
XXXX : No comments reported. 
Legal Bases for This Dispute 15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information Under 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies ( CRAs ) must reinvestigate the disputed information within 30 days of receiving this notice. 
The CRAs must also forward all relevant information regarding my dispute to the furnisher, as required by 1681i ( a ) ( 2 ).

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy CRAs must follow reasonable procedures to ensure that information in consumer reports is as accurate as possible. Reporting conflicting or missing data ( e.g., different monthly payments, missing dates, varying delinquency histories ) violates this requirement.

15 U.S.C. 1681s-2 Responsibilities of Furnishers Furnishers ( in this case, XXXX XXXX ) must not furnish information if they know or have reasonable cause to believe it is inaccurate ( 1681s-2 ( a ) ( 1 ) ( A ) ) or if the accuracy can no longer be verified after proper notice from the consumer ( 1681s-2 ( a ) ( 1 ) ( B ) ).

15 U.S.C. 1681i ( a ) ( 5 ) Correction or Deletion If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, it must be promptly corrected or removed from my report. 
15 U.S.C. 1681i ( d ) Notification of Results CRAs must provide me with the results of the reinvestigation and a revised credit report if any changes are made.

15 U.S.C. 1681g ( a ) Disclosure of Information I have the right to request all documentation used in verifying the accuracy of the disputed items.