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

To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to seek assistance regarding an ongoing issue with a charged-off account reported by XXXX on my credit reports maintained by XXXX and Experian. Over the past several months, I have repeatedly disputed the accuracy of this charge-off, as it appears to be misrepresented on my credit report and I have not received the necessary IRS Form 1099-C from XXXX. Despite my efforts, each dispute has been concluded by XXXX, XXXX, and Experian with the determination that the account status is " accurate. '' However, the evidence or detailed findings supporting these conclusions have not been provided to me, raising concerns about the thoroughness and validity of the investigations conducted by these entities. The lack of transparency and failure to provide substantial evidence for their determinations have left me in a precarious position, affecting my financial integrity and credit standing. It seems there is a disconnect between the reported information and the actual investigative processes that are supposed to ensure the accuracy of credit reporting. I believe that the handling of my disputes by XXXX, XXXX, and Experian may not be in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically concerning the accuracy of information and the investigation of disputed data. Therefore, I am seeking the intervention of the CFPB to ensure that a fair and thorough investigation is conducted and that I am provided with the necessary documentation and justification for the charged-off account 's status on my credit reports. I appreciate the CFPBs attention to this matter and look forward to your support in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX  XXXX XXXX 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

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not removing this fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account had not been late on payments. The account on my report : [ XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX LATE PAYMENT XX/XX/year> Date opened XX/XX/year> [ XXXX ] XXXX XXXX XXXX LATE PAYMENT XX/XX/year> XXXX Date opened XX/XX/year> [ TRANSUNION ] XXXX XXXX LATE PAYMENT XX/XX/year> Account number XXXX Date opened XX/XX/year> Is showing the date of late payment as XX/XX/year> I'm now requesting you investigate and provide verifiable proof, with records, showing that I had a late payment. If this information can not be verified, I demand these payments be updated to paid on time immediately. 

Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) XXXX. ( XXXX XXXX XXXX XXXX XXXX # XXXX ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) XXXX. ( XXXX XXXX XXXX XXXX # XXXX ), Delete this account immediately because of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE TRANSUNION FRAUDLENT HARD INQUIRIES XX/XX/2022 XXXX  XXXX XXXX Transunion
Product: Credit card

I paid my card in full XX/XX/2023. Balance after payment stated XXXX They stated something about trailing interest in my call today XX/XX/2023 and that I owed {$2.00}. They reported to credit bureau and my credit score dropped tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 items : XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$92.00} XXXX XXXX XXXX XXXXXXXX Balance : {$64.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX* Balance XXXX {$610.00}
Product: Debt collection

Got letter from XXXX XXXX XXXX XXXX that I owed {$1100.00} to creditor : PayPal. I will respond by certified mail that I will dispute. The Paypal community board was very specific that if not by registered mail these crooks will deny you responded. My complaint is that there is no phone number to contact PayPal anywhere on their website, The Paypal chatbot was useless. 
Their Paypal community board has MULTIPLE complaints that this company does represent PayPal but if somehow you can actually talk to someone at PayPal they do not know anything about this company or their representation of PayPal. The PayPal community board has responses from a PayPal representative, I assume employee, that states there is a phone number on the PayPal website to call to report fraud and such issues, but it is non-existent. I logged into my PayPal account and it shows no charges. The PayPal community board has responses that this SCAM or FRAUD or whatever stupidly and incompetence that it is has been going on for YEARS and PayPal and no other government agency has done anything about it. How is this allowed to continue for YEARS? Included in the XXXX XXXX XXXX XXXX letter was Reference # XXXX. I was notified that some of my personal information was compromised earlier this year and I filed a notification with the credit agencies. How any company that is competent could engage a debt collector when such a notification exists without verifying the claim is beyond comprehension.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX inquiry XX/XX/2020 SAFCO inquiry XX/XX/2020 XXXX XXXX XXXX inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, {$140.00} DATE XX/XX/XXXX and XX/XX/XXXX reporting miss payment XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XX/XX/XXXX XXXX account XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1800.00} I have made more the one complaints against XXXX AND EXPERIAN prior to this letter. I am holding the accountable for violating the following code of the Fair Credit Reporting Act. 
15 U.S.CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORT They did not get my written permission, nor did I give authorization this a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 stat. 146 ) states that any agency can only get your report in response to a request by the head of the state or local child support enforcement agency ( or a state or local government official authorized by the head of such an agency 12CFR 1022.3 DEFINITIONS anything added to my/ your reporting without your consent can be considered identity theft. 
I wish to enforce 15 U.S.C 1681C block of information resulting from identity theft, I will provide the appropriate proof of my identity along with a copy of the FCT REPORT. 
and also, The Privacy act of 1974 ( 5 U.S CODE 552a ) XXXX AND EXPERIAN are a consumer reporting agency and I am a consumer, I have the right to make sure is not shared which is back 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 customer 's nonpublic personal information, " Furnisher of information to the credit agencies is a financial institution by definition under the title. 15 USC 1681 SEC 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 of which it relates. " FURNISHER OF INFORMATION TO CREDT AGENCIES ) the financial institution and the reporting agencies, XXXX and Experian do not have my consent to furnish this information and they do not have written consent. 
XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

This company called be multiple times until I changed my number. I don't owe this money as I stated with the original creditor I didn't open any XXXX XXXX cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute the XXXX account off of my credit! Due to the fact that this company was pay off in advance! Which is one of the option that was given when I applied! So if I paid this off in a substantial amount of time why is it still reflecting in my credit report when its paid off already! Im not understanding why do experience keep things in your credit report to keep your credit low! When its be paid off already!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company on several occasions and platforms to get the credit inquiries removed due to unauthorized. I also sent in the police report showing them that my wallet with social security card and driver license was stolen. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for COVID-19. These late payments were recorded for the account XXXX - XXXX on the dates XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent.

The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXX - reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted EXPERIAN and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services.

I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.
Product: Credit reporting or other personal consumer reports

Subject : FCRA Dispute Regarding XXXX XXXX  Account I am writing to formally dispute the information being reported on my credit file regarding the account with XXXX XXXX. Below are the details of the account in question : Account Name : XXXX XXXX Last Reported Balance : {$1100.00} Credit Limit : {$800.00} Opened : XX/XX/year> Payment Status : Charge-off Dispute Details : The reported balance of {$1100.00} exceeds the stated credit limit of {$800.00}, indicating either an error in the reporting or account management. 
The payment history reflects a 3 % on-time payment rate ; however, detailed verification of this information is required to confirm its accuracy. 
The account 's " charge-off '' status lacks supporting documentation to substantiate this claim. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting of information. Please conduct a thorough investigation into this matter and provide the following : Evidence of how the reported balance and payment history were calculated. 
Documentation validating the charge-off status. 
A complete list of actions taken to verify the accuracy of the information. 
If errors are confirmed, I request an immediate update and correction of my credit file to reflect accurate and complete information. Additionally, I expect written confirmation of any changes made to my report. 

Please be advised that failure to resolve this dispute promptly may result in further actions to protect my rights under the FCRA. I appreciate your prompt attention to this matter and look forward to your response within 30 days, as required by law.
Product: Credit card or prepaid card

I have a Bluebird American Express prepaid debit card. An unauthorized party was able to steal my debit card information and withdraw funds from my account via ATMs without the access of the real card. A total of {$2000.00} was withdrawn without my permission from XX/XX/XXXX to XX/XX/XXXX. I discovered these withdrawals on XX/XX/XXXX and called the customer service number on the back of the card on the same day. The representative froze my account and opened a dispute for the seven unauthorized withdrawals totaling {$2000.00}. 

I submitted the declaration of fraud to the link they sent me on XX/XX/XXXX and received an email notifying me that the dispute was declined on XX/XX/XXXX. I called their fraud department after I received the notice and asked about the decision. The fraud department representative said they cant offer any information relating to the investigation over the phone and told me to write to them. The representative offered to open my dispute again, and I accepted the offer. The dispute was reopened on XX/XX/XXXX, and the declaration of fraud was resubmitted to them on XX/XX/XXXX. The dispute was declined again on XX/XX/XXXX. I realized after several attempts that my disputes were getting denied immediately and that representative was pulling me into a cycle of starting a dispute and getting denied without investigating the case. 
I mailed a letter to American Express requesting the reason for the earlier denial on XX/XX/XXXX, and they responded back on XX/XX/XXXX. In their response, they wrote that they made their decision without reviewing any of the documents I sent to them. I had sent them a police report and multiple declarations of fraud explaining the sequence of events. 

American Express has been reluctant to provide information on their decision on my case throughout this whole endeavor. As a customer, I had provided them with all the requested information within the requested time frame, and my disputes were still declined. It was frustrating to learn that American Express made their decision to refuse giving my money back without an investigation. A stranger was able to duplicate my card and steal my money, and American Express refuses to take any responsibilities. I feel helpless as a consumer because I dont know what else I can give to American Express to convince them that money was stolen from me and fraud was committed. Please help.
Product: Credit reporting or other personal consumer reports

Reporting late for XXXX. XXXX payment made on XX/XX/XXXX. XXXX XXXX  refuses to update the information even though they have proof and I hve requested an investigation multiple times. I have also sent proof to the reporting bureaus multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. At the time involving the relevant matters, a Fraud Alert had been placed on all of my credit reports. 
2. This has been an ongoing criminal matter since about XX/XX/XXXX in which the investigative information was shared with the Fraud Department and a criminal complaint was filed. 
3. Although the credit report has been locked, the credit reporting agency has continually allowed others to access my credit history report, which has resulted in my information appearing on the Dark web. 
4. Moreover, when conducting business I would never permit a company to run my credit history multiple times. 

The following inquiries are UNAUTHORIZED : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XX/XX/XXXX ) XXXX XXXX  : XXXX XXXX XXXX, XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX ( XX/XX/XXXX )
Product: Vehicle loan or lease

I noticed unauthorized inquiries on my credit report some apply for something in my name.