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

FOR APPROXIMATELY 10-12 MONTHS I HAVE REQUESTED MULTIPLE TIMES FOR EQUIFAXXXXX TO PROVIDE PROOF OF ACCOUNT DETAILS WITH DOCUMENTATION. I HAVE DISPUTED THE ACCOUNT DETAILS AS IT IS AFFECTING MY CREDIT SCORE AND HISTORY. THE CREDIT AGENCIES ARE NOT FOLLOWING THE LAWS AS THEY CONTINUE TO VIOLATE MY RIGHTS UNDER FCRA. THEY HAVE MADE MULTIPLE CHANGES WHICH ALL HAVE BEEN INACCURATE, THEREFORE THIS ACCOUNT MUST BE REMOVED ALTOGETHER. 

XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$5000.00} DUPLICATE ACCOUNT AND I DO NOT HAVE ACCOUNTS WITH CREDITOR
Product: Credit reporting or other personal consumer reports

I am formally submitting a request for the removal of an inaccurate public record of a Chapter 7 bankruptcy from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). The record in question is referenced as : Chapter 7 Bankruptcy Reference # : XXXX Date XXXX : XX/XX/year> Asset Amount : {$0.00} This bankruptcy entry has caused me severe financial and emotional hardship, significantly impacting my ability to provide for myself and my family. The record in question has either been inaccurately reported or has been maintained on my credit report beyond what is permissible by law. Furthermore, I believe this matter has not been handled in accordance with the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and FCRA.
Product: Bank account or service

It was about XXXX prepaid debit card .I was so frustrated and XXXX off at the same time. It has been since XXXX wk and XXXX day. XXXX XXXX who owns XXXX debit card informed us that computer system glitch and transition failure and apologized for messed up upgrade system. Where is my {$500.00} that suppose to deposit into my XXXX card fund last Friday? I found out that my money is gone. I supppose to moved out another XXXX XXXX security deposit {$250.00}, storage, and XXXX. No money at all at my debit card. You can find on website of XXXX XXXX and will tell you what happened. There are XXXX customers file an compliant or griveance against him.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 my 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 to be removed/updated. 

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ EQUIFAX, XXXX, et al ] [ Credit Bureau Address ] [ City, State, Zip Code ] Subject : Dispute of Inaccurate Reporting by XXXX XXXX XXXX XXXX XXXX XXXX Dear EQUIFAX, XXXX, et al ], I am writing to formally dispute the reporting of a closed account referenced as a charge-off from XXXX XXXX on my credit report. This account is erroneously reported as both a closed account and a past due account, which is misleading and inaccurate. Additionally, I have observed that since this reporting, XXXX XXXX has continuously added an extra dollar to the reported balance, which I believe is both improper and malicious. 

The reporting of this account violates specific provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1. **Section 609 ( 15 U.S.C. 1681g ) ** : The right to obtain a copy of my credit report and dispute inaccurate information contained within. The continuous addition to the balance clearly indicates that the reported information is misleading. 

2. **Section 602 ( 15 U.S.C. 1681 ) ** : The FCRA mandates that consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. A charged-off account should not continue accruing a balance. 

3. **Section 623 ( 15 U.S.C. 1681s-2 ) ** : This section requires furnishers of information to provide accurate information, and the failure to report the account as charged off only, instead of as continuing to accumulate a balance, is a clear violation. 

Moreover, my payment history across all bureaus shows inconsistencies, where the account appears to be in collections XXXX month and then reported as an on-time payment the next. Such discrepancies cause further confusion regarding my creditworthiness, leading to potential harm in my ability to secure loans or credit. 

Given the inaccurate and misleading nature of these reports, I request that the following actions be taken : 1. **Immediate deletion of the XXXX XXXX account from my credit report. ** 2. **A thorough investigation into this matter to ensure compliance with FCRA regulations. ** 3. **Compensation for the damages I have incurred due to these inaccurate and malicious violations of my rights under the FCRA . ** I have attached supporting documentation to substantiate my claims, including copies of my credit report and any correspondence from XXXX XXXX. Please investigate this matter within the required XXXX  days and provide me with the results. 

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

Sincerely, [ XXXX XXXX ] [ Your Signature ( if sending by mail ) ] [ Enclosures : Copies of supporting documents ]
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I XXXX, XXXX XXXX XXXX agent, for XXXX XXXX XXXX principal debtor, submitted a dispute to experian for an alleged debt from XXXX XXXX XXXX  to be validated. On XX/XX/year> i received dispute results from experian saying that the account was updated? I request multiple items and received none! This is the complaint # to back up my claim XXXX. Im demanding a re-investigation and expecting to receive items requested or I will be forced to open an arbitration case. Also this alleged debt has been sent to and accepted by the irs via 1099 so theres no debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request to my prior complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Bank account or service

I have had a Huntington Checking account for close to eight years. I had overdraft fees in excess of {$530.00} resulting from an unauthorized purchase.I contacted the bank on several occasions regards. They proceeded to give me XXXX different complaint numbers. I followed all procedures. Provided all paperwork they requested on time. They continued to say it was not enough information at all. They several months passed after I returned the paperwork. They closed the account and requqested me to pay the {$530.00} in fees and turned it over to a collection agency. This is totally unacceptanle after a I tried to resolve all the issues with my account.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute :XX/XX/XXXX XX/XX/XXXX Balance {$840.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXX XXXX Balance {$760.00} Open Date XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX Balance {$370.00} Open Date XX/XX/XXXX XX/XX/XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Balance {$240.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$540.00} Open Date XX/XX/XXXX XXXXXX/XX/XXXX Balance {$1200.00} Open Date XX/XX/XXXX XX/XX/XXXXBalance {$890.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXX Balance {$810.00} Open Date XX/XX/XXXX XX/XX/XXXX Balance {$790.00} Open Date XX/XX/XXXXXX/XX/XXXXBalance {$780.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXX Balance {$770.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXX Balance {$460.00} Open Date XX/XX/XXXX XX/XX/XXXX XXXX Balance {$410.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXX Balance {$340.00} Open Date XX/XX/XXXX Inquiries XX/XX/XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXXDate XX/XX/XXXXXX/XX/XXXXDate XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXXDate XX/XX/XXXX XX/XX/XXXXDate XX/XX/XXXXXX/XX/XXXX Date XX/XX/XXXXXX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXXDate XX/XX/XXXX XXXXXX/XX/XXXXXXXX Date XX/XX/XXXX XXXX XX/XX/XXXXDate XX/XX/XXXX XXXXXX/XX/XXXX Date XX/XX/XXXX XXXX XX/XX/XXXXDate XX/XX/XXXXXX/XX/XXXX Date XX/XX/XXXXXX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information thats on my credit report. according to the fair credit reporting act ( FCRA ) section 605B its Illegal to report information on my credit report without my permission. please remove these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, first progress card, XXXXXXXX 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've paid my mortgage off in XX/XX/2009 and it is still showing on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute certain information in my file which I believe is possibly Identity theft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA XXXX XXXX. The XXXX Credit Bureaus need to remove the account from my file. 

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

These companies ran my credit over and over. Please remove these hard inquiries off my account immediately. These fraudulent hard inquiries have affected my credit score, as well as keeping me from finding a place to live. 
XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

The Citizens Bank XXXX XXXX Credit Card has stopped allowing online login 's to my account for the better part of a year now, possibly longer. Each time I try to log in, their website claims to send a code to my email which never arrives. The website says to wait a few minutes, check spam, and try again if nothing happens. This is never-ending and is most definitely a predatory way to have customers miss payments and lose sight of their balances. Here is the website : https : XXXX Because I can't log in I can't access my statements since I elected for ( and want to keep for privacy reasons ) paperless statements. I have had this credit card for almost 2 years now ( XXXX opened ). I set up online access to the credit card on XXXX. For as long as I can remember I've had to resort to transferring funds from my Citizens Checking account over to this credit account just to make the payment. This is done through the Transfer feature on my Citizens Bank account. Not only is this a roundabout way to make a simple payment, it also leaves me blind because I can't seem my statements ( nor can I reference them later ). But again, obstructing the customer seems to be a tactic this company is using to make money off us. I recently paid the card down to zero but I am once again blind to any statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are wrongly stating the length of time we have been paying on time our mortgage company. I explained to them on a dispute about the error on their reporting and yet they still showing the same error. We have had our mortgage since XX/XX/XXXX and they are only showing it since XX/XX/XXXX, therefore creating an " insufficient amount or too short of credit history '' reason to lower our credit rating. Consumers are affected with these misreportings. The worst part of all these is that they will not acknowledge it or try to amend it.
Product: Debt collection

I have a an unvalidated and unverified account from CHOICE RECOVERY XXXX, XXXX. I have previously disputed this account several times. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I never received a letter stating I owed nor that I had a right to dispute. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements verbally allegedly related to this debt and currently being illegally reported to the credit bureaus ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether CHOICE RECOVERY purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and COLLECTION ( deleting from all credit bureaus immediately as law requires ) actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREIT REPORT AND SEEN SOME UNAUTHORIZING CREDIT REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report for the following XXXX XXXX accounts. I have identified discrepancies that violate Metro 2 compliance standards and request your prompt attention to correct them. 
XXXX. XXXX XXXX Account ( XXXX ) : The high balance is reported as {$600.00} in some bureaus and {$780.00} in others. This inconsistency must be corrected. 
The date of last activity is not uniform across the reports and must be aligned. 
Late payment history ( e.g., 30, 60 days late ) should be reviewed and corrected to ensure accuracy and consistency. 
XXXX. XXXX XXXX Account ( XXXX ) : The high balance is reported as {$3100.00} in one bureau and {$3600.00} in others. Please investigate and correct this discrepancy. 
The late payment status differs across the bureaus. Please ensure it is consistent and accurate. 
Comments regarding dispute resolution are inconsistent and should accurately reflect the current account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account with XXXX  since XX/XX/XXXX with a credit limit of {$300.00}. 
After reviewing my credit report recently as well as my credit card statements it's come to my attention that there is an error being reported by XXXX. 
My payment due date is the XXXX of every month. On XX/XX/XXXX a payment of {$40.00} was made ( attachment ) That payment was reversed on XX/XX/XXXX ( attachment ) XXXX XX/XX/XXXX a payment of {$80.00} was made. That payment was reversed for insufficient funds ( attachment ). On XX/XX/XXXX a payment of {$120.00} was made ( attachment ). That payment was cleared. Until I recently pulled my credit report, I didn't realize that a 30 days late payment was showing on my credit report for the month of May.But after carefully reviewing and calculating the days of payment due and payments posted, I see that XXXX have incorrectly posted a late payment for XX/XX/XXXX. 
My payments for XX/XX/XXXX and XX/XX/XXXX were reversed. My payment for XX/XX/XXXX was cleared and posted. ( attachment ) So if my due date is the XXXX of every month and then the XX/XX/XXXX payment will cover XXXX because that is NOT 30 days past XX/XX/XXXX. 
XXXX have mistakenly and incorrectly reported the month of XXXX as being late. I have repeatedly spoken to them about this issue and also they have never provided me a copy of my credit card statement for XX/XX/XXXX. I was told that one does NOT exist.This in itself is a clear violation of the Truth in Lending Act as well as 15 USC section 1666b ( 4 ) ... ..correction of billing errors. According to the FCRA you are required by federal law to investigate completely... ANY AND ALL accounts you post on a credit report.
Product: Student loan

My student loans have been in forbearance or deferment status since I graduated in 2011 because they have not offered me a monthly payment amount that I can afford. I have tried to apply for income based multiple times, but they encouraged forbearance. Now the interest is almost up to the total I owe, around {$56000.00}. In looking at income based repayments, my total will go up over {$30000.00} just so I can afford a payment. My wife also has outstanding student loan payments and we can not afford hers and mine at this time. They have not been helpful and now I have a missed payment on my credit report because they did not enter a forbearance request in a timely manner. In addition to all this, my degree came from XXXX XXXX, which has now just down for improper practices and fraud. I believe they were working with XXXX XXXX to purposely make my loans default. 

XXXX XXXX XXXX XXXX IN
Product: Money transfer, virtual currency, or money service

On XXXX my account was closed down. I have banked with CHIME for 4 years. I recently this year decided to do my taxes with chime. Once my refund deposit of XXXX $ was deposited chime froze my account. I went through verification over the next 4 days they wanted me to prove that it was me, and my deposit. I had to upload my 1040, DRIVERS LICENSE, social security card, BIRTH CERTIFICATE, irs transcript, irs acceptance letters and more. I provided all documents that were needed and I got a response from multiple supervisors that they were going to issue my closure check for the remaining balance of my account. I have been getting emails from chime now basically telling me that Im there not sending me back the money I work hard for. Chime has taken money from multiple people I no and I will not accept it and willing to fight for what is mine. They even sent me a email telling me to provide how I made my money in the state it was deposited really trying anything to not give me my money, I proved that to the IRS and showed how that is in fact my money. I am reaching out to legal teams and is ready to fight
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX Has violated my rights. XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$10000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Repossession Last Reported : XX/XX/XXXX Comments : Voluntary repossession Returned voluntarily Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. Thise collection account is reporting not only as OPEN, but also shows a past due balance of {$5800.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXX