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

I have reached out several times with written correspondence regarding this matter. The information being reported is totally incorrect and a resolutionhas not been provided after months of trying to work with XXXX and XXXX, XXXX XXXX XXXX. 

First and foremost the open date is incorrect. XXXX is also reporting that this card had a {$0.00} limit and is saying a payment was made XX/XX/XXXX, while XXXX and XXXX are reporting a payment was made XX/XX/XXXX. I have asked for this information to be verified with no verification. 

What is most dishearteningis XXXX has no payment history, and XXXX has the account Charged Off since XXXX of XXXX, while XXXX is reporting the account was charged off XXXX of XXXX and then marked " ok '' from XXXX of XXXX Until XXXX of XXXX! 

It should be very clear this is being reported INACCURATELY. 

This account has also not been marked as disputed per Section 623 ( a ) ( 3 ) of the FCRA
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report violating 15 USC 16c-2. These errors are harming my credit and need to be removed immediately.
Product: Credit card

On XX/XX/XXXX, I woke up to a credit decrease of over {$7000.00} when I talked to the company I asked why. They couldnt really give me any answers. They said they requested for a review to reverse it because when I got an email stating there was no reason pretty much for them changing it. I checked my credit score at that time. My credit was a XXXX something and all the information I had on the account Was the same as when I applied for the credit card so nothing changed. My credit. Utilization didnt change my amount of inquiries didnt change nothing changed upon my request to have it reversed again they would not and again it was for no reason that they could come up with so my credit score has dropped quite considerably for something that shouldnt have happened. And Ive worked years for my credit score to be fixed.
Product: Credit reporting or other personal consumer reports

Reinvestigation Complaint Letter to CFPB XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Unresolved Credit Report Disputes Dear CFPB, I am writing to file a formal complaint against XXXX regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 
Disputed Items : XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX  OPENED XX/XX/XXXX not my account no acknowledgment of this account i filed a ftc report as well for identity theft XXXX. XXXX ACCOUNT XXXX OPENED XX/XX/XXXX identity theft XXXXAFFIRM INC ACCT XXXX XXXX XXXX OPENED XX/XX/XXXX timing of payments XXXXXXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  OPENED XX/XX/XXXX identity theft I provided my info to company to verify the information they have is not mines my birthday is XX/XX/XXXX not XX/XX/XXXX I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being.

I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i.

Thank you for your assistance in resolving this matter. 
Sincerely XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX needs my bank to send it updated info so I can use the app properly
Product: Credit card or prepaid card

I have a charge on my account that I have been disputing since XXXX on 2022 and the CC company has done nothing to rectify this issue. I have sent them all the information and still nothing. I have been waiting for a supervisor that they keep promising me they will call me and nobody ever does. This has affected my credit score and I have had to put my purchases on hold because of it. I have filed a complaint withing the company and still nothing. I have made numerous calls to this CC company trying to get this fixed and taken notes every time I speak with a rep. I really need to get this fraudulent charge fixed and removed from my account. The company even went as far as decreasing my limit when I made the complaint against them and then apologized a month later to reinstate it back to the original credit limit because they were wrong but they still have not fixed the original issue.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Student loan

Good evening : I am I am writing this unassisted, please forgive any misspeling that is not caught by spell check. My caregiver is not able to help at this moment. I have submitted information that I have not been able to work for the past year, and that I have been decared as TPD by the XXXX and XXXX the State of Nevada PERS division XXXX I am drawaing a pension from the DOD and the State of Nevada. I am pending SSDI/SSA. I am writing again to advise or trying to clarify what inforamatin yyou may need, I have short term memory issues. Please forgive me that if iI do not write thej down they are gone if I do nto commit them to long term.l I do my best ; I do not want to provide anyone wityh wrong information. However the increased amount of the forbearance is concernin g to me, i did not ask for the forbearance but rather if this loan could be considered for cancellation or discharge-if it can not a simple yes or no answer is all I need rather than a run around and a forbearance of a year and increase interest. I have ben burned by XXXX XXXX in the past while on XXXX XXXX. I can not express the deepest concern and frustration aboutt this situat8ion and potention others that maybe in this situatiohn. Yes, I applied for this loan- I can only afford the amount that I agreed to because of the therapy that I am in-the forberancec and the increased interest that this places-thus the small payments thatt I am paying which i hope to XXXX i understood. The lack of communication about what this was about and the potential situation that this is in. The massive csr turn around calls that refer me or my caregiver to nel net- i am very confused. If this loan is NOT eligible for forgiveness/cancellation/discharge at all and I mean at all. Please do NOT lie. I have not lied to you about my situat8ion,, that I have not worked, that I am XXXX and that I have submitted my entire medical file for review which is very invasive. I ajm very and more than willing to cooperate but I feel that talking to anyone i get stuck in que upon que, per my last notes I need to submi a statement that I will not be filing taxes that my income from the VA is non taxable. See : I.R.C. 104. Military XXXX payments are nontaxable. Regardless of this situatin, all of the thihn going on in the world or in everyone 's life. Please all I ask is, 1. ) Do I need to pay the aggreed amount of XXXX or more? 2. ) Is this loan viable for discharge/cancellation/forgiveness? XXXX. ) What additional information do you need at this time? 

Please note : I will be sending a copy of this information to the BBB, CFPB, and the Student Loan Ombudsman. 


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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote this company XXXX and asked them to do an investigation and correct their records. This letter was sent out XX/XX/XXXX Today is XX/XX/XXXX and there has been no investigation or attempt to correct their records. Enclosed I will show pictures of the letter sent XX/XX/XXXX along with a picture of the certified mail receipt. I am also enclosing pictures of my credit report obtained more than 30 days after they received the letter to investigate and validate the debt. You can see the errors across the reports when it comes to the dates of last activity and payment history etc. This has impacted me and changed my life severely. In the letter I stated that if no action was taken in a timely manner that I would be contacting the cfpb and still no validation of the debt after over 5 months. This is a complete violation of the fair credit reporting act and the FDCPA.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2020 ( XXXX XXXX ) I was told by Chrysler Capital that {$1900.00} was my total balance and that by paying that they will be free of debt and they will close my account. It turns out now they are trying to charge me more money and reporting even a bigger balance to the 3 Bureau Credit Score. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled down my Experian report and found a number of unauthorized hard inquires. First I called  XXXX   XXXX  to put  90 secu rity freeze. Now I am reaching out to Experian to get a security freeze AND these unauthorized hard inquires removed ASAP. I will moving soon looking to mortgage anew home and I do n't need any of these unauthorized hard inquires harming my chances of of moving my family to a safer neighborhood. First please freeze the account for the next 30 days, then next have these hard inquires removed. I have enclosed a list of them. Thank you so much in advance.
Product: Debt collection

RADIUS GLOBAL SOLUTIONS states that I owe {$190.00} to XXXX. But, this amount is incorrect. Therefore, this debt should be deleted from all three credit bureaus immediately. I am attaching the invoice from XXXX.
Product: Money transfer, virtual currency, or money service

Hello Sir/Maam! 

I'm XXXX XXXX and i want to report the paypal comment because they took my money without any reason and i search over internet and they doing this to many of here paypal users hope you help me because that money is for my mothers medication they took my money last XX/XX/year> Transaction ID XXXX Gross amount - {$460.00} USD i didnt even owe on them because i only accept money from my family members
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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

Why did your company sell my information without my consent either verbal or written to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a charged-off debt that you filed on taxes in XXXX and never sent me a 1099c as per FDCPA. Furthermore this company is very misleading stating you are there client? Did you sell a charged-off debt or are you being represented by this company as per the included letter I received for that company. I am sure you are aware this is a violation? This account was reported as a collection/charge-off. The reporting of this accout is incorrect as there is showing a balance of {$2600.00} on a charged-off account as of XX/XX/XXXX. Under the FDCPA 15 USC 1692g debt validation, there are numerous violations to your account and account reporting. Per the documentation submitted with this complaint, you will see the dates of the original creditors charge-off account with original alleged debt amount as well as the new increasing monthly debt? Also, the fact you are showing representatives as a law firm and not a debt collector is very misleading! Also, it is a violation of the FDCPA, I do believe. I would like to also know the exact nature of the increasing fees on the debt since the new reported debt by your company is showing from {$2900.00} to as high as {$3200.00} in the letter your company just sent? These discrepancies are gounds for dismissal alone. Furthermore, my income is protected as that it's all XXXX income that is uncollectable for debt. This is easily verified. I have never received a 1099c from XXXX of XXXX for the debt charge-off, which makes this income, which, at this time years later is also a violation. AlsoI urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given. I do believe that the status of this accout is incorrect and that I have proofed that with the included documentation. Also as per tge provided documentation can you explain how you can just change a charged-off original date of XX/XX/XXXX to now relect XX/XX/XXXXXXXX XXXX Again repirting incorrect information which again is a violation. I am giving you the opportunity to delete this account from your collections as well as from all three credit reporting agencies before I request litigation to show all the inaccuracies and misleading representations as well as the fess that are accumulating on the account with the numerous total amount due balances on a charged-off account. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters. 

ATTACHMENTS
Product: Debt collection

True Accord has tried contacting me through an email address not belonging to me disclosing that they are attempting to collect a debt including an amount several times.
Product: Debt collection

Conduent Education Services ( CES ) and XXXX : Are reporting against my credit in XXXX of 2017, as a combined report. 
I just learned about this and could not dispute this. 

How are two different companies reporting late payments and why wasn't I notified? 

I need the following since all my student loans were all appropriately deferred in 2017, in all fairness, I am requesting the following ( original documentation for inspection at my home address ) verifying when these two separate companies, which are now combined on my credit report did any of the following : ( 1 ) When they contacted me in 2017 and what address they utilized to notify me ( both individually XX/XX/XXXX and CES ) - original documents needed for review ). 

( 2 ) When they verify that they were a new loan server in 2017 and what address they utilized to notify me ( both individuallyXX/XX/XXXX and CES ) - original documents needed for review ). 

( 3 ) I looked online CES and XXXX are two different companies ; how, are both reporting the same XX/XX/2017 late payment??
Product: Credit card or prepaid card

HSBC advertised its cash rewards card as follows : charge {$500.00} within 3 months and receive {$150.00} in cash. I spent {$500.00} within 3 months. I have repeatedly tried to redeem the {$150.00} in cash but HSBC has made it so difficult I can not do so! I have complained to HSBC in vain! I wrote its president twice. I called but no one answered or called me back. 
THIS IS NOT A NEW COMPLAINT!
Product: Money transfer, virtual currency, or money service

I am reaching out to formally express my concerns about Zelle 's dispute resolution process, especially in light of the recent CFPB lawsuit that exposed significant issues with the platform. Despite my frequent use of Zelle and multiple reports of discrepancies, both my financial institution and Zelle failed to conduct a proper investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was infeasible. The CFPB 's findings suggest that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, putting users at risk of scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several address account that are due to identity theft and I have filed a report after constantly trying to get you all to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax a little while ago to get it to release a freeze on my credit report. I have been denied service by XXXX XXXX because it can not get a copy of my credit report from Equifax. I called Equifaxs number XXXX and could not reach an agent ; instead I was subjected to lengthy, time-wasting, irrelevant, pre-recorded messages numerous times, and, despite me hitting XXXX  several times, I could not get a representative. After calling several times and hitting XXXX when prompted to get an agent, I was disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX  XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately