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

I am submitting this complaint myself and there is no third party involved. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to XXXX and Equifax Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the written confirmation for the removal of these items in my account? Please investigate properly and remove them all from my personal credit file. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX EQUIFAX MORTGAGE SERVICE 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

I have filed a dispute with Equifax to remove and delete the account, XXXX XXXX XXXX XXXX, reporting amount of {$27000.00}. Opened on XX/XX/XXXX. Account number is XXXX. I submitted documentation to verify my identity. They requested a copy of my social security number and a copy of my drivers license. I have provided them this information 3 times and they have still failed to remove the fraudulent account from my credit file, and continuously send me repeated letters, requesting the same information that Ive sent multiple times, with different mailed out dates, without further resolution or an update about my dispute. I have faxed this information to them on XX/XX/XXXX at XXXX. I mailed the same requested information to them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I submitted a dispute with XXXX regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from XXXX regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. I urge XXXX to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that XXXX provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Accounts opened in the amounts of : {$2100.00} {$610.00} {$170.00} XXXX  XXXX  Accounts opened in the amounts of : {$450.00} {$300.00} {$150.00} XXXX XXXX Accounts opened in the amounts of : {$690.00} {$410.00} {$120.00} XXXX XXXX Accounts opened in the amounts of : {$900.00} XXXX XXXX XXXX Accounts opened in the amounts of : {$80.00} This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. Its has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Product: Debt collection

SEE ATTACHED REPORTING ON CREDIT REPORT THIS IS NOT MY DEBT. 

THIS IS OFFICIAL DEMAND LETTER TO REMOVE FROM MY CREDIT REPORT IMMEDIATELY AND STOP CALLING MY WORK AND HOME Disputed through XXXX XXXX. Debt is not mine. Debt Collectors continue to call me at my office and home harassing me at work and late at night. They are also falsely reporting collection on my Credit report. Let this serve as official demand letter to remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : XXXX XXXX, as shown on two reporting agencies XXXX and XXXX and is showing incorrect information. I sent them letters requesting validation that is competent evidence bearing my signature showing that I have or have ever had some contractual obligation to pay them. On XX/XX/2018 via certified mail tracking number XXXX with return receipt. XXXX received it on XX/XX/2018 and I did not receive anything from them. On XX/XX/2018 I send a second letter requesting this information a second time. They received it on XX/XX/2018 I still did not receive any communication from XXXX concerning this matter. Basis for the dispute :1. The type of account is listed as OPEN. Please remove this incorrect information. XXXX is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. 2. The " Recent Balance '' and " Balance Updated '' XXXX has most recently reported is { {$1800.00} }. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. XXXX may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them XXXX also may not show the account as " Open '' as they are not a creditor and may not list an account as open. XXXX also may not report a recent payment history as they are not a creditor. I am requesting that this account be deleted since they are in willful non compliance of not providing me the requested information in a timely manner or any time for that matter. They are also in violation of the Fair Debt Collection Practices Act sect 807-8 but not limited to and with Nevada Revised Statute 598C.160 Duties of Reporting Agency. Due to the manner in which XXXX is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian violated the FCRA laws whee states you must give a customer most recent updated credit score : see attachments for violations maybe hire people in AMERICA that actual know how to read credit and use it not some 3rd world country : thanks below youll see the date and the credit report they provided me ONLINE as evidence
Product: Credit card

These CREDIT CARDS : XXXX XXXX and XXXX allow people to buy items with my credit card and thereafter they want me to pay for the products and for the monthly late fees. 
I have several complains towards these XXXX companies and you just close the complaint with not resolving or solution to this problem. I place a complaint dated XX/XX/XXXX, XXXX because the XXXX store over charged me. Also, the credit card never allows me to verify these items, then I have been charged to purchases I don't have idea if I bought or not because the credit card statement does not have the purchase Items identifications to be able to audit your purchases. The statement just has a total amount to be pay. However, I made the payments of my purchases in cash in the XXXX store at XXXX XXXX XXXX therefore you can Check the video record of myself when I made payments. 
Now in XX/XX/year> is a new purchase of around {$250.00} I never did. I am in hardship, and I don't buy that type of close at the moment. buy they charged my credit card again. and also, I am receiving Statement requesting they payment for XXXX XXXX credit card. 
Please Investigate this fraud if you consider this matter your jurisdiction. 
I apologies to take your time complain about probably your favorites business. 
Kind Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Equifax breach in 2018. My account and personal was used in fraud and has been reported on my credit report as debt owed. In addition, I have not been able to access my credit report with equifax or dispute these fraudulent debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, Portfolio Recovery carry accusations of alleged debt belonging to the referenced individual absent support of an affidavit ( s ) supporting their claim. Second, they were asked what do you say the money owed is allegedly related to? Third, an explanation of how they calculated what the allege owes? Fourth, copies of any documents that show XXXX XXXX agreed to pay any of the amounts they listed. Fifth, failure to provide any copies of any related alleged judgment. Sixth, show that the statue of limitations has not expired on this alleged account. Seventh, just because they provided the identity, name and address of the alleged creditor to CRAs does not constitute verification, accuracy nor confirms that XXXX XXXX is responsible for the allege debt AND eight, XXXX XXXX XXXX demands all original documents or at minimum a stamped true copy of the original with an attached affidavit supporting their claim that she has signed that facilitates any agreement between her and their company.
Product: Credit card or prepaid card

Took out an initial line of credit in XXXX of XXXX, on a Home Depot credit card, for a home improvement project. Was told that the credit would be 0 % interest, for 24 months. 

Was charged {$700.00} in interested in XXXX, XXXX. 

Called Home Depot credit card company in XXXX, when I realized and asked for it to be fixed. Was assured it was their mistake, and would be fixed, to wait for credit to appear. 

Was never credit, and interest kept accruing. 

Called again on XX/XX/XXXX, and was told again, it was a mistake, and would be credited. Call was disconnected and called back. 

Made a second phone call, and was told I would need to have a store manager call to verify that I was offered 24 months interest free financing. Called store manager and waiting now to hear whether issue is resolved.
Product: Credit card

We moved homes and hired XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The owner, XXXX, sent his " guys '' over. XXXX asked for cash initially and said any additional money would need to be paid by credit card with a 4 % fee. I showed up with my cash and the move took longer than anticipated, so I was short {$300.00}. I called XXXX and told him I was giving his guys cash ( {$900.00} plus tip ) and XXXX said he would charge my credit card {$310.00}. I gave him the card number over the phone, gave the guys money, they tore off a white piece of paper, gave me the yellow carbon copy, I wrote the amount on the back, and we were done. 

Fast forward a few weeks, I see my credit card is charged around {$720.00}. I called him immediately and asked him if there was a mistake. He VERY clearly told me on the phone that he recalls charging me around {$300.00}. He rummaged through his paperwork and said " okay I charged you XXXX, so that must be correct. '' I said " No, even you recall it being around XXXX. '' He said he would check with his guys and get back to me. In an effort to be proactive, I emailed him and recapped our convo where he said he recalled it being around XXXX. He agreed to this email. XXXX said his guys remembered another number and that the charge is correct. 

I submitted a credit card dispute to Capital One citing I did not authorize the amount. He very fraudulently wrote the {$1200.00} on the white paper with the breakdown of cash versus credit card after I signed. My yellow carbon copy does not reflect these numbers. I am happy to send you the original copy for further inspection. The lady at Capital One said she saw he handwrote it and that its not on my copy, but based on XXXX guidelines, he submitted a " valid '' receipt '' so she couldn't do anything, even though she recognized it was falsified. Capital One asked me for my documentation 3 times, and all 3 times they did not look at it because a " valid receipt '' was submitted. They did not care about the carbon copy. And they could not explain to me what a valid receipt is. I spoke with XXXX managers and none of them could explain it. Why is my carbon copy not a valid receipt but his falsified white copy is valid? Why didn't capital one look at my documents? Why do I need to take this to court because Capital One couldn't resolve it? I did not authorize the higher payment, but Capital One does not seem to care about that part according to the people I spoke with.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXXXXXX XX/XX/2023 : XXXX XXXX  XXXX XX/XX/2023 :
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, I received a XXXX XXXX XXXX XXXX XXXX. I was the primary cardholder for this account. On XXXX, XXXX, I left the business that this card was used for. On XX/XX/XXXX, the total amount on the card was paid off and I put a freeze on the account. Unfortunately, the account Freeze did not stop some pre-authorized charges from occurring. Since I was unaware of these charges, this account became past due. The problem that came up was that XXXX did not mail any notices of this to the primary address, which is my home address. Instead, they mailed it to the business that I was no longer at. In addition, because I opted for Paperless, I should have received electronic statements showing the past due amounts. However, someone changed the email address on this account from my email to the email XXXX. I never authorized this change nor do I even know who this is. The result was that I did not get any electronic notices for this account. On all three credit bureau accounts they show a XXXX and XXXX  day past due mark which has negatively impacted my credit score. Upon noticing the issue during a routine credit report check in XXXX, XXXX, the amount past due was paid in full. In the last 7 months I have tried to get XXXX to remove these derogatory marks from my credit reports to no avail. I mailed notarized letters to all three credit reporting agencies yesterday but wanted to make a complaint as well. The account # for this business card is XXXX.
Product: Credit card

I had received a bill on a credit card in the mail only after it was delinquent, rather than prior to its delinquent status. The delinquent bill had late fee charges and interest. This is the second time this particular company has engaged in this practice. Upon calling their service center, they removed the late fee charges ( but not interest, which is minor to me ). I would like to register this in case this is a widespread practice. The company is XXXX ( Amazon credit card ). I think the bank is Chase.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute inaccurate and unauthorized information on my credit reports as a victim of identity theft. A collection account from XXXX has been repeatedly reported, despite this not being my debt. The continued presence of this fraudulent collection on my credit file has severely damaged my credit and caused significant financial hardship. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute and demand removal of any inaccurate or unverifiable information resulting from identity theft. The following provisions are applicable : 1. 15 U.S.C. 1681c-2 allows identity theft victims to obtain a block of any information in their file that was caused by the theft.

2. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires credit bureaus to promptly delete items that are inaccurate, incomplete or can not be verified after a reasonable reinvestigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers like XXXX from reporting information they know or have reason to believe is inaccurate.

4. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) requires furnishers to modify, delete or block reporting of information that can not be verified as accurate.

I have made numerous attempts to dispute and have this fraudulent XXXX collection account removed from my credit reports, including providing documentation that I am an identity theft victim. However, the credit bureaus and XXXX have failed to uphold their legal obligations under the FCRA. 

Enclosed are copies of my prior disputes, an identity theft affidavit, a police report, and other supporting evidence that this alleged debt does not belong to me. I am escalating this to the CFPB and demanding a full investigation to permanently block and remove this inaccurate collection account as an identity theft victim. 

If appropriate corrections are not made promptly, I will have no choice but to pursue further legal action against XXXX and the credit bureaus for willful, non-compliance with FCRA identity theft provisions. Please resolve this issue urgently. I look forward to your assistance.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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, credit repair services, or other personal consumer reports

XX/XX/2022 XX/XX/2022 XX/XX/2022 I've sent driver 's license and social security card. 
I've even called and tried to get it corrected.
Product: Student loan

I was told by the Department of Education to contact this collection company. I told the Department of Education and the collection company the loan did not belong me because I had a name change and the debt is more than seven years old. According to the rules of the FCRA the debt is suppose to be deleted from their systems because it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

after my 2nd and 4xs multiple attempts this afternoon to contact equinox and get my annual report, the online portal doesn't work, I was verified by 2 people who offered me final report by mail. no one in 6 people today could tell me who or why the online system wasn't working. I mentioned that, I was seeing that equifax had many online products and services, yet they were not adhering to making the annual credit report available as required by law. The agents asked questions like '' what was the month and year you last received a credit report???? how would anyone remember??? I was asked the payment, balance and monthly payment for 4 accounts and then 3 or 4 more questions ... .Equifax is absolutely stonewalling consumers out of their annual credit reports. PLEASE let me help you sue them!!!!
Product: Credit reporting or other personal consumer reports

EXPERIAN IS IMPROPERLY REPORTING UNVERIFIED PUBLIC RECORDS AGAINST MY CREDIT FILE, AGAINST FCRA AND VIOLATING MY RIGHTS. I HAVE ASKED SEVERAL TIMES THAT THEY CORRECT THIS BY PROVIDING HOW THEY VERIFIED THE PUBLIC RECORD AND THEY HAVE NOT. THE ONLY METHOD TO CORRECTLY VERIFY THE PUBLIC RECORD IS TO OBTAIN THE INFORMATION VIA THE CLERK OF COURTS. TO DATE EXPERIAN HAS IGNORED ALL MY REQUEST TO REMOVE FROM MY CREDIT BURUEA WHICH IS NOT REPORTING IN ANY OTHER BUREUA. I DEMAND EXPERIAN FURNISH THE VALIDATION INFORMATION OR DELETE THIS RECORDS ASAP.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices. Where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.