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

After reviewing my credit reports I noticed that you are continuously alleging that the following account is a negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove-all negative and adverse remarks. 

XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX # XXXX As you know it is against the law to report any information not proven accurate. There are also plenty of violations I found with this account.Ive sent multiple letters for you to verify the accounts yet yall are reporting the accounts as verified but each Credit bureau Are still reporting incorrect and inaccurate information. 

1. The following XXXX XXXX account XXXX account was charged off as of ( XX/XX/XXXX ) Since then the account has repeatedly been updated as charged off every month consecutively over 26 times. 

The following XXXX # XXXX account was charged off as of XX/XX/XXXX Since then the account has repeatedly been updated as charged off every month consecutively over 26 time and also has an updated closed date and payment date. 

This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. I HAVE ATTACHED THE CREDIT REPORT AND HIGHLIGHTED THE INACCURATE FRIVOLOUS INFORMATION. 

2. 26 violations have been found ; every time you report updated knowing this account is a charge-off which is illegal.

3. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 4. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive reports. ( you are not a party in the alleged debt ) 5. Violated 18 USC 1028-A Aggravated IdentityTheft ( which you have furnished frivolous-information reported in my name and yet still not validated this alleged debt.

6. Violated 15 USC C 1681 Civil liability willful non compliance information reported in my name and yet still not validated this alleged debt.

According to FCRA Section 604 ( A ) ( 3 ), FCRASection 623 FCRA Section 611 ( A ) ( 1 ) you are obligated to pay me {$1000.00} for each violation. The damages, and mental/emotional stress to my children and myself. The injuries you caused me. This is unacceptable and you have broken several laws repeatedly. I have filed a complaint with the FTC as well. I demand you to remove this account effectively and pay the attached invoice and compensate me.Also, mail me a copy of the updated credit report.

Every time they lie and validated the information it changes to something different, Ive been asking for months to verify and they havent properly verified and there still updating charge off accounts which manipulates the statue of limitations. 




Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights
Product: Credit reporting or other personal consumer reports

I accordance with The Fair Credit Report act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under USC1681. XXXX XXXX XXXX  XXXX Acct XXXX Balance XXXXpast due XXXX Acct XXXX XXXX Acct # XXXX Balance XXXX Past due XXXX Acct XXXX XXXX Acct # XXXX Balance XXXX past due XXXX Acct XXXX XXXX  XXXX Acct # XXXX Acct XXXX XXXX XXXX Acct # XXXX Balance XXXX Acct XXXX XXXX XXXX Acct XXXX Closed XXXX Balance Acct XXXX XXXX Acct # XXXX Balance XXXX Acct XXXX Acct # XXXX Balance XXXX Has violated my rights. 
I looked at my XXXX credit report on XXXX XXXX2024 and noticed some things incomplete and not accurate. And according to the fair credit reporting act 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 who the report relates according to 15 USC 1681 ( e ) ( b ). And they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been deleted from the file of the consumer and according to 15 USC 1681s- 2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate XXXX XXXX XXXXXXXX  XXXX delete from my credit file Acct XXXX XXXX due XXXX Acct XXXX XXXX delete from my credit file Balance Acct # XXXX Balance XXXX Past due XXXX Acct XXXX XXXX delete from my credit file Balance Acct # XXXX delete from my credit file Balance Balance XXXX past due XXXX Acct XXXX XXXX XXXX delete from my credit file Balance Acct # XXXX Acct XXXX XXXX XXXX  Acct # delete from my credit file Balance XXXX Balance XXXX Acct XXXX XXXX XXXX Acct XXXX delete from my credit file Balance Closed XXXX Balance Acct XXXX XXXX Acct # delete from my credit file Balance XXXX Balance XXXX Acct XXXX Acct # XXXX Balance XXXX Acct XXXX XXXX Acct # XXXX Past due XXXX
Product: Credit reporting or other personal consumer reports

I noticed the bureaus are not cooperating with the request I need to delete this inaccurate incorrect information from my reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 in to be removed. 

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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX XXXX continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth XXXX XXXX has never responded to me. So how is expert an verifying this information. According to her phone call I had with a XXXX rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that there are multiple collection accounts listed on my credit report, from various creditors, which I firmly believe are inaccurate and incomplete. I will provide the relevant details below : Creditor Name : XXXX  Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$860.00} Creditor Name XXXX XXXXXXXX XXXXXXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$2000.00} Creditor Name : XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$1800.00} The inaccuracies in the reported amounts and dates of first delinquency have left me feeling vulnerable and powerless. I have always been diligent in managing my credit and financial responsibilities, and I deserve accurate and fair reporting as outlined in the Fair Credit Reporting Act ( FCRA ). 

I initiated disputes with the credit reporting agency on XX/XX/XXXX, firmly believing that my concerns would be addressed promptly. However, to my disappointment and dismay, there has been no response or acknowledgment of my dispute. This blatant disregard for my consumer rights, as protected by FCRA Section 611 ( a ) ( 2 ), has added to the frustration I am experiencing. 

As of today 's date, XX/XX/XXXX, I have yet to receive any written results of the investigation. The inaccurate collection accounts still remain on my credit report, which directly violates my right under FCRA Section 611 ( a ) ( 3 ) to have inaccurate or unverifiable information corrected or removed within a reasonable time frame. 

Furthermore, my request for verification of the debts, as mandated by FDCPA Section 809 ( b ), has fallen on deaf ears. I have not received any response or verification from the original creditors, leaving me feeling disregarded and dismissed. 

Behind these collection accounts are not just numbers but a real person who strives to be financially responsible. The impact of these unjustified entries on my credit report goes beyond numbers ; it affects my ability to secure loans, housing, and employment opportunities. I feel my financial wellbeing and peace of mind are at stake. 

I am reaching out to the CFPB with this complaint, as I trust that you will take these violations seriously and conduct a thorough investigation into the accuracy and validity of these collection accounts. My hope is that you will intervene and ensure my rights as a consumer are upheld. 

Please communicate with me promptly, providing updates and information about the progress of the investigation. Your timely assistance will not only alleviate my concerns but also reaffirm my faith in the regulatory system that is in place to protect consumers like me. 

Thank you for your understanding, and I look forward to a resolution that restores the accuracy of my credit report and upholds the principles of fairness and consumer protection. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
I am writing to request the verification of information regarding specific accounts listed on my credit report in accordance with the Fair Credit Reporting Act : Section 609.In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who furnished and verified this derogatory information with Experian. Further I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged debt being placed on my Experian consumer file.I am disputing and requesting full verification on the following accounts. 

It appears that thereare 10 - 14 installment accounts under XXXX  XXXX XXXX account number XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX XXXX - account number ending in XXXX originated from a school that I never attended or enrolled at or agreed to attend. 
XXXX - account reporting opened in XX/XX/XXXX. 
XXXX XXXX XXXX - account reporting opened in XX/XX/XXXX XXXX XXXX/ XXXX - account reporting opened in XX/XX/XXXX. 
I would like to verify that these creditors obtained my information legally by requesting that they provide me with the original sources of the information they received. This should include the identity of the individuals who requested my credit reports, all original documents and agreements, and all other relevant documentation. If you are unable to get this information for me, please remove these items immediately since the accuracy of what is being reported to my credit file can not be verified. 

Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609.

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge.

Thank you for your attention to this matter.
Product: Checking or savings account

On XXXX XXXX I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I ordered one thing and received something totally different, have the pictures to prove it I submitted my claim with Bank of America with who I currently bank with, immediately after submitting my claim I received an email for documents to be sent I sent them and have not heard nothing since then, Ive reached out numerous of times and i get the same thing they are still processing it, at first I was told it takes 30-45 days for the claim to be resolved then I was told it was 45-90 days cant be both, its been 46 days, just keep getting the runaround from them and Im tired of it.. they are holding my {$200.00} XXXX,, I just want my money back.. shouldnt take this long to resolve it when they have the proof of what I ordered and what I actually received.. tired of fighting with them, they do not communicate with me at all I get no updates whatsoever.. i need help getting this resolved!! I dont have the money to hire a Attorney otherwise I would and then it cost them more.. shouldnt have to wait this long.. its a joke on how long they take to resolve a claim
Product: Credit card or prepaid card

On XX/XX/2022, an unauthorized cash advance was requested on my Wells Fargo credit card through the Wells Fargo secured online portal. It was not until I went to check my statement on XX/XX/2022 that I was made aware of the charge. I immediately called their fraud department to report it. Their ultimate resolution was that since it was made through their online banking portal, I had authorized it. I have repeatedly informed them that this is not the case. At the time of the transfer, I received no text or notification that such a large cash advance had been made, or that anyone had logged onto my account from a new device.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX also know as XXXX XXXX XXXX XXXX. I am a victim of identity theft. this issue has severely ruined my life. I have been denied employment as well as an auto loan due to this unfortunate event. I also was involved in a criminal investigation as i was notified by the XXXX police that i was involved in bank fraud that i had no clue of. I have reached out to the bureaus several times.Wrote letters, called by phone and nothing has been done to correct this issue. I have sought legal counsel to help me in this matter seeing that the bureaus are unwilling to help. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AL XXXX ) has decided to take up my case against the bureaus.Due to the well detailed paperwork that i provided him, he has spotted several breaches by the credit bureaus as it concerns the FRCA. In our pending lawsuit for non compliance, we have named the following Experian XXXX XXXX XXXX Operations Supervisor XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX and Associate General Counsel XXXX XXXX XXXX XXXX Vice President XXXX XXXX XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice president, Chief legal officer XXXX XXXX XXXX Executive Vice President XXXX XXXX Director fraud and identity management XXXX XXXX Vice President and division general counsel regulatory I am asking for all of the following accounts and unauthorized inquires be removed due to identity theft : Or we will be seeking Legal damages. I have opted out 5 months ago and have waived my rights for arbitrary agreement EXPERIAN XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX collections are refusing to remove accounts from my credit report. I'm currently on the phone in regards to this matter with the agent/supervisor. This is damaging my reputation which is a violation pursuant to the FCRA. I've applied for credit and was denied due to this, I also have a right to privacy and theyre willingly and knowingly reporting inaccurate information on my credit file. I also never gave this company my written permission to furnish on my credit file. They have stated that theyre not required to provide a consumer with a validation of debt, and that a verification of debt is all theyre required to do. I'm disputing this account on those grounds. I do not validate this debt at all, so how can they validate?. They can not, so i'm requesting for these alleged accounts to be removed from my credit file immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX I submitted a complaint to the CFPB about CAPITAL ONE refunding me for my credit balance on an account ending in XXXX. They sent me a check with a coupon attached and I requested a refund of my credit balance of {$2000.00} which I endorsed with my signature as the beneficiary on the back. The certified mail number is # XXXX. As a consumer, I made the request as my RIGHT as a consumer after I extended my credit for an open-end credit plan. I reported a billing error and in return, my account was closed on XX/XX/XXXX. I did not have my billing error resolved and therefore CAPITAL ONE is liable under 15 U.S.Code 1611 ( 1 ), 15 U.S.Code 1666d, and 12 C.F.R. 1026.13 ( d ) ( 1 ).

These are my RIGHTS as a consumer according to the United States Congress for my protection.