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

Subject : Formal Dispute Under 15 U.S. Code 1681o Civil Liability for Negligence To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, your organization may be held civilly liable for negligent noncompliance with the law, which has caused harm to my financial standing. 

Upon reviewing my credit report, I identified the following inaccurate and/or unverifiable information : XXXX XXXX Open Account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$630.00}. 
This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. 
XXXX CHILD SUPPORT Open Account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
Collection account from XXXX XXXX XXXX with account # FAGI and a balance of {$4800.00}. 
The original creditor is XXXXXXXX XXXX XXXX 
I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 
This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$7400.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 
I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete I have attached supporting documentation to verify my claim. Under the FCRA, you are required to conduct a reasonable investigation and correct or delete any information that can not be verified. Failure to do so within the legally mandated timeframe ( 30 days ) constitutes negligence and may result in legal action. 

To resolve this matter, I demand the following actions be taken immediately : 1. Conduct a proper investigation of the disputed information.

2. Delete or correct any information that can not be substantiated.

3. Provide me with a written confirmation of the resolution. 

Failure to comply with these obligations under the FCRA will leave me no choice but to pursue legal action for civil damages, including any actual damages sustained due to your negligence. 

Please respond in writing within 30 days of receiving this letter. I expect full compliance with federal law and appreciate your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am disputing a debt collection alert to my XXXX credit report on XXXX XXXX as I was a victim of debt collect. I see my compromised email address on the dark web alert through the same credit reports and have since changed my information. 

The credit alert is for a derogatory account from Tek-collect inc from XX/XX/XXXX for owing {$1700.00}. I disputed this around that time because I never made any purchases for that amount, and thought that was the end of it as I awaited follow up. 

Fast forward to today, I am reviewing my credit report from the past and the derogatory account still shows. I contacted Tek Collect and spoke to XXXX, XXXX phone # XXXX. I tried to explain to her the issue at hand but she was very accusatory and implied that she has been doing this for many years and has heard many stories of people trying to get out of debt collection. Regardless, she stated that from her end, what she can tell is that under my name and address, a purchase was made XX/XX/XXXX through a company called XXXX XXXX for a " cool cube 28 ''. She states the purchase was delivered to XXXX XXXX XXXX via XXXX, but " no signature was needed '' -which I find hard to believe considering the purchase made. I've attached the information she provided. Notably, two things : 1. While my name was stated, the contact info on the forms WAS NOT ME, XXXX XXXX. 
( Phone : XXXX, Email : XXXX ) XXXX. I didn't even live at this address. 

Please see attached documents supporting this information. 

As you can see, I've been the victim of identity theft and am working to change all passwords through all sites so no one else has to go through this nightmare again.
Product: Credit card or prepaid card

I am disputing the amount on my statement dated XXXX because the credits that i received from XXXX were added back to my account as purchases.The first time that this happened was in XXXX. The amount was {$10.00}, not only was it added back it was done twice. I called Discover on XXXX XXXX and spoke to XXXX. She told me that there are times when they mistake a credit for a purchase. I stated that it was added twice, she had no answer for this. 

The second time it happened was XXXX, XXXXI received a credit from XXXX in the amount of {$45.00} and it was added back as a purchase. I called Discover and spoke to XXXX an Account Manager. He was very offensive, and refused to listen to what is right there for naked eye to see. I have copies of the emails sent to me from XXXX confirming the credits. I tried to add them as an attachment but was unsuccessful. I will be glad to send them if you so request. 
Thank you my email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX, Equifax and XXXX credit bureaus and told them that the bank agreed to not report the late payment accounts. I believe XXXX, Equifax and XXXX are violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. 
XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$28000.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

This company has taken longer than the 30 days required by law to remove false information from my consumer report. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

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

Greetings, CFPB, and all military families and civilians, this is numerous complaints that I have sent to the CFPB, FTC, OFFICE OF THE COMPTROLLER and as well to the credit bureaus. 
This is my situation everyone, since no one is willing to help me with my serious complaints against this company XXXX  for their malpractices, abused, selling of my informations, reporting inaccurate informations on my credit report and having all of my personal information in the XXXX by their call center that is located in that country. I called in regards to that issue as well because I received a scam phone call from someone in the XXXX stating that they are calling me from the VA REGIONAL office in XXXX XXXX Florida to go over my XXXX claims, so I called the VA office to verify if they have offices in the XXXX helping veterans and they responded to me NO. So, the next day I went ahead and file a police report to safeguard myself. I also reported the incident to XXXX   and the rest of the bureaus. 
Now, today XX/XX/2019 at XXXX XXXX  I called XXXX again the seventh time within a month time frame to find out what is going on with all 51 fraudulent inquiries showing on my report and as well for the legal letter I sent them on XX/XX/2019, they transfer me 6 times and every time I got an individual they took my information and says that I have to transfer you to another department, to a supervisor, to a supervisor in the fraud specialized team. Now, mind you I have been on the phone for 30 minutes waiting and being transfer to talk with someone that can really help me resolve my problems with this company. I finally got someone by the name of XXXX XXXX a supervisor on the specialized fraud team that was so rude, unprofessional, and just outright argumentative to my report, he kept saying that I have to wait for 30 days, my legal letter doesnt mean anything because by law the bureaus have 30 days to respond, so I told him sir I have been waiting for 120 days and all that XXXX keep on responding to the CFPB is that I am a victim of fraud. 
Now, the CFPB says, that it will help consumer, however I need to know how I am being helped? Are they tired of receiving my complaints, do I need to contact my state representative, Congress to help me with this matter because it is completely unfair and unjust people. Anyone, that is reading my complaint please help or any suggestions that you may have in order to get my complaints for 120 plus days resolved. I had supposed to close on a home XX/XX/XXXX, however due to the inaccurate informations that XXXX is reporting, my family will loose out on a roof over their head. I need help and that is why at times people take drastic measures because no one is willing
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Bank of America has frozen an account which contains all of my money this account has been frozen since XXXX XXXX and remains frozen on day 29 and they will not return my money This complaint is because these compassionate clowns are reporting my bank of america credit as late because I could not pay on 1st because they have my money frozen What kind of XXXX XXXX  XXXX company freezes your money then reports that you didn't pay what a garbage bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charge. This account was deleted from my credit report a few years ago.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes in the light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times times and recording discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The cfbp findings indicate that Zelle has not only neglected to protect consumers but has also repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAP ONE - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Vehicle loan or lease

Multiple times I would keep getting a " technical difficulties '' message and could hardly work around their site. As a result, I was not allowed to make payments ( in addition to my auto-enrolled payments ) for weeks at a time. This impacts me in that I should have had lower principal being impacted by interest. By now it's a couple hundred dollars that I am behind due to their site issues. It is a complete joke to have  a website and have it have no capabilities. 

Additionally, their website is so poorly laid-out and managed that you will have no idea what your payments are and how they are being applied ( principal vs interest ). 

They have a secure message option on the website, but they are incapable of responding via email through this option - you will only receive auto-replies that include symbols making it appear as if this whole thing is a scam ( still not convinced it isn't at this point ). 

These auto-replies are only capable of saying TD Auto can not respond via email and you must call them ... which is a waste of time, unless you enjoy sitting on the phone for an hour to remedy absolutely nothing.
Product: Debt collection

I am being contacted by New Era Asset Management about a debt. They have been calling for weeks while I am at work yet I have not received a written notice of the debt or the option to dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a discrepancy I have noticed on my credit report, concerning an account that your organization currently manages ( XXXX {$2100.00} XXXX XXXX XXXX ) Recently, I had an opportunity to review my credit reports and observed that the balance reported for the account appears to be inaccurate. It has come to my notice that there exists a discrepancy between the balance as reported by your company and that as stated by Experian XXXX  XXXX  Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request a correction of any inaccurate information on my credit report. Therefore, I kindly request that you thoroughly investigate this matter to ensure that the account information you report to credit bureaus is accurate and verifiable. 

If my dispute is valid, I would like to invoke Section 611 of the FCRA which requires that credit bureaus correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute. Accordingly, I request that you rectify this discrepancy and inform the [ credit bureau ] to delete this account from my credit report if it can not be accurately verified. In keeping with the regulations prescribed by the FCRA, I would appreciate it if you could provide me with an updated copy of my credit report once these changes have been affected. I understand that this is my right under Section 609 of the FCRA. 

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

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple letters on XX/XX/year>2024, requesting for accounts to be removed from my credit report. I've also requested for the investigation was done when the allegations from Experian stated they verified the accounts. I have not received any letters or any updates from Experian. This is a violation of FCRA Conducting investigations that fail to properly address consumers disputes.I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am requesting for these accounts to be deleted Immediately! 
XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX under the account number ( XXXX ) XXXX XXXX ( XXXX ) XXXX  XXXX  ( XXXX ) XXXX XXXX account XXXX
Product: Debt collection

I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit.

1 I dont understand the payment history of this account and how the charges went from XXXX to XXXX 2 I asked for the original contract bearing my signature.

3 I asked for the payment history and last payment date made on this account.

4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The email says that it is a notice from professional debt collectors in an attempt to collect a debt that I am not even aware of. I check the website and it shows that it is a Real estate Internet Solution!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit report.!
Product: Bank account or service

exact same story as another consumer so I will use his words with my specifics : I enrolled in an HSA account with B OF A with a previous employer and left that company with a balance on the account. The bank will not allow me to withdraw funds without paying a service fee ( {$25.00} ) to do so and have slowly been bleeding the account dry by applying monthly service charges ( {$5.00} ) on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2022 to Equifax about a medical debt on my credit report that they are in violation of PA Statute Section 7311 Title 18 Unfair or deceptive collection methods. The debt collector is charging interest and fees on a medical debt and they can't do that. The original debt is for {$160.00} and it is now up to {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed errors on my credit report with XXXX XXXX, Equifax and XXXX  several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.
Product: Debt collection

XX/XX/year> false statement of zero dollar balance prevents use of open credit account.
Product: Debt collection

This is a followup to XXXX ; I predicted this would happen when you closed the case in XXXX. My vehicle was repossessed tonight in the middle of a bankruptcy procedure. CFPB site failed to save my previous take updating the past XXXX years, this review starts the new complaint : XX/XX/XXXX In XX/XX/XXXX I filed a credit discrimination case against XXXX XXXX XXXX XXXX XXXX that was too broad to process. The company lied in its response to you about the vehicle loan Ive paid on for 10 years that was tied to a {$XXXX} credit card. It reviewed that I had a good relationship with them since XXXX that took a sour turn in XXXX after I resumed working after a brief layoff. That XXXX I refinanced my XXXX Jeep with XXXX remaining on a XXXX  % loan, at XXXX  % -- despite a XXXX XXXX XXXX and no late payments. Without my knowledge that refi interest rate escalated to XXXX  % then XXXX  % despite scheduled $ XXXX  monthly payments and $ XXXX monthly payments on the card. 
In the middle of XXXX, they charged off the card yet still made me pay on it. XXXX years later, none of the principal was whittled down on the car. They wouldnt reveal their payment interest ledger, which later indicated NOTHING was paid on the card. I needed a third refi on the car, which it granted. That day, it claimed it forgot about the charged off card and that I owed {$XXXX} on it and another {$XXXX} on the car. 
In XX/XX/XXXX they surrendered their ledgers on both, which indicated I had paid more than {$XXXX} on the car but still nothing on the card. XXXX months later, now retired and facing a {$XXXX0} repair bill on a blown engine caused by RBFCUs top warranty protection dealer ( which gave me a {$XXXX} refund but wouldnt cover the extra expenses ), RBFCU wouldnt exchange the vehicle for payoff. Nor would it let me sell it to a third-party without the extra {XXXX} for the SAME CHARGED OFF CREDIT CARD. 
With lower income, compounded by the unexpected loss of XXXX retirement accounts, they refused to renegotiate monthly payments. Instead they increased late fees despite insurance costs that doubled early this year. I made $ XXXX  monthly payments, excepting once for medical expenses and again after a XXXX XXXX XXXX weeks ago. 
After {$XXXX} spent on the {$XXXX} loan and {$XXXX0} card not to mention repairs they had the nerve to threaten repossession when I was XXXX days late. I told them I had already began bankruptcy proceedings and would seek outright ownership of the vehicle. Their response is no surprise. 
They lied to you XXXX years ago, then retaliated after my complaint was closed, I have records I wont reveal now, except the letter I sent an astounded XXXX XXXXfter XXXX closed my checking account and bounced my checks without notice last XXXX. XXXX assured, it XXXX lie again.