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

These accounts where charged off and have been repeatedly been updated as charged off every month.this is an update in the payment history.this inaccurate information manipulates the statue of limitations.you failed to investigate these accounts properly after ive asked 3times and your neglect has violated my rights.i am demanding a deletion of the following accounts. ( XXXX XXXX XXXX XXXX acount # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ) account # XXXX ( XXXX XXXX XXXX ) account # XXXX ( XXXXXXXX XXXX  : ) account # XXXX ( XXXX XXXX : ) account # XXXX
Product: Checking or savings account

XX/XX/year> i left XXXX XXXX  to fly to XXXX XXXX  as im in the air us bank lock mi card up i couldnt get no food no place to stay for me and my child i have been calling everyday and nothing have been done it was {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report because I was trying to see why my score was going so low and looked at this company that I never seen before on my credit report that was reporting that I owned them money from going to some type school but I havent been in college in over 20 years so this has to be a mistake. So I sent them a dispute letter by certified mailed on XX/XX/2021. 
Asking them to Validate that this debt belongs to me, By providing verification of the debt Which they placed on my credit report without me knowing about it! 
They never Validate that this debt belongs to me by contacting me by mail or phone and I have proof they received the letter from the mail. But this company keeps reporting a false debt to the credit bureaus with XXXX and XXXX which I have dispute.
Product: Credit reporting, credit repair services, 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 reporting 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 items : 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 a charge card with Kohls Department Store. I check my credit weekly, because it's important to me. I checked today and Kohl 's department store charge card reported that I was late. They reported it to XXXX on XX/XX/2020 and XXXX on XX/XX/2020. I haven't checked XXXX. When I reached out to them today they advised me I was late XX/XX/2020. I paid my account balance off of, {$77.00} today before I knew they reported me. I NEVER received a statement. I NEVER received a phone call. Because if I did I would have paid it in full. During this Pandemic my mind was more concerned about where I'm getting my next pay check to feed my family. Like most Americans I'm scared to death and my Kohls account of {$77.00} missed my mind to pay it on XX/XX/2020 to avoid a credit report. This is the biggest health care crisis and this is what Kohl 's department stores does to help it's customers during this!
Product: Credit card

I have been working since XXXX 2016 to get a item removed Target XXXX Bankaccount # XXXX was paid to XXXX, all of the items have been removed from my XXXX bureau except this team. i call Target they transfer me to XXXX, I have been told multiple times this should not be on my credit and that a electronic submission has been sent, Please help me resolve this issue
Product: Credit reporting

THEY HAVE MULTIPLE NAMES AND ACCOUN.T I HAVE ACT ALREADY PAY OFF AND MULTIPLE ADREESSES. I HAVE LIVE AT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND AT XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes for student loan accounts that are reported on my credit report, but were discharged due to fraud by the school. The student loans are federal student loans that were discharged. All of these disputes went over the 30 days from time of receipt and I can also provide a screen shot of delivery from XXXX of when the letters were delivered. I am also including aidvantage in this due to the information not being removed from my credit report per documentation from them and also from studentaid.gov
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
XXXX XXXX XXXX XXXX XXXX, Al and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. 
I request a thorough investigation into these inaccuracies. 
3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent. XXXX, EQUIFAX, XXXX keep furnishing alleged transaction ( XXXX ) on my account XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX that identified as late / charge off-status.15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not reply to me stating that you are furnishing accurate information because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.
Product: Credit reporting or other personal consumer reports

Now I have discovered that the item XXXX  XXXX XXXX has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
The information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report and block collectors from reinserting any accounts immediately from my consumer profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to obtain all three of my credit bureaus due to Equifax not reporting my name properly. I have contacted them several times. My name should appear on my credit report as XXXX XXXX. It is reading XXXX XXXX XXXX which us causing an error message in correspondence retrieving my credit report. I have not been able to obtain my Equifax credit report for an entire year via XXXX. I was told that Equifax information was incorrect. I have updated my address. They will not correct my name.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRY XXXX XXXX XXXXXXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX  XXXX XXXX, XXXX XXXX XXXX, I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Debt collection

Received a letter in the mail from Transworld Systems Inc regarding a {$38.00} debt collection for XXXX XXXX account number XXXX. The charge is for XX/XX/XXXX. I have not used XXXX XXXX since XXXX of XXXX. The reference number for XXXX is XXXX.
Product: Credit card

I had transferred a balance to the Capital One credit card with promotional rate of 0 % interest. However the promotion was ok in first month but Capital One started charging interest on the balance, increased my minimum payment, which resulted my automatic payment to fall short and charging more fees on top on the interest rate. I called XXXX XXXX and they " opened '' a case saying they have to review the call recordings and in 2 to 3 weeks someone will call back. i said that is too long, the rep supposedly increased the level and said someone call you in a week. Its been about month with no calls and no change in the account regarding interest rate and promotion. I called after XXXX weeks passing and still no answer i am told by a manager capital one needs few more weeks with no guarantee and they are waiting for another info from another department and giving me no information nor working with me to resolve the issue, which initially they said they have to listen to the call, if they listen to the call its clear on the call and they will see the truth. This is costing me over {$200.00} in interest fees and much higher minimum payment resulting in financial problems. I need this taken care asap. Its a simple fix. No one transfers {$18000.00} with interest rate of over 20 %. All they have to do is listen to the call that i made the transfer on. It is clear on the call. More time passes they are gon na they do n't have the recording anymore. This is fraud and stealing money.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection 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 or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

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 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 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: Vehicle loan or lease

THE XXXX XXXX XXXX WAS RETURNED TO THE DEALERSHIP! My name is XXXX XXXX and on XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a used minivan XXXX XXXX XXXX with XXXX miles with XXXX and XXXX. I believe they are the owner. From the start, there was an issue with the entire process. The same dealership got 2 different loans on my credit report for the same vehicle ( one with XXXX XXXX XXXX, and this one with Credit Acceptance ) - one for {$7500.00} and the other of $ XXXX. I took the delivery of the vehicle on XX/XX/XXXX and Returned the vehicle back to them on XX/XX/XXXX around XXXX XXXX. When I asked there were 2 loans for the same vehicle on my credit report, they said that it was their mistake and they will handle it. The vehicle had a major mechanic issue, and it was fully returned before 30 days, and it doesn't pass any emission test. I attempted to return the vehicle earlier, but he kept giving me so many excuses for the reasons that he wasn't going to be there. I have never dealt with this before, and today I'm looking at my credit report and noticed that there are 2 loans of the different amount shown, which was fraudulently submitted by that dealership and its owners. Please be advice again that i don't have the vehicle in my possession and it was returned to the dealership. I've already called the dealership and the bank but no one seems to want to help. Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing the accounts on my credit report, I noticed multiple unauthorized accounts reporting from a creditor " Dept. of Ed/XXXX '' on my credit report without my consent which is required by law and is out of compliance with the law per 15 USC 6802B , 15 USC 6801, 15 USC 1681b ( 2 ), 15 USC 1692 . 
I was not given proper " opt out '' disclosures per 15 USC 6802B, they furnished accounts on my credit report without my written or electronic consent per 15 USC 1681b ( 2 ), and I have a right to privacy per 15 USC 6801. I am not denouncing the financial obligation of the accounts, but I am requesting that the accounts be blocked and deleted from my credit reports for privacy reasons and as a result of their failure to be in compliance with the laws of the FCRA.

In addition to this complaint my family is dramatically affected. This issue causing me mental anguish and emotional distress because of my inability to obtain a new home as a result. I am requesting that this situation be rectified.
Product: Debt collection

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the accurate reporting of information on consumer credit reports. I urge your bureau to adhere to the FCRA guidelines and conduct a thorough investigation into the legitimacy of these newly reported fraudulent accounts. It has come to my attention that despite your previous efforts in removing fraud accounts, new instances have emerged, adversely impacting my creditworthiness. I question why your bureau is allowing the reporting of unverified fraud accounts, tarnishing the accuracy of my credit report. 
XXXX XXXX XXXX XXXX XXXX, PLEASE DELETE!!! 
I would appreciate your assistance in providing detailed verification of the accuracy of the reported fraud accounts within the statutory 30-day period.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested that they investigate the accounts below and provide me with any documents to support their reporting. As of today, they still need to supply such documents TransUnion states there are no such documents from them all the information comes from the creditors XXXX  I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by their agency in my earlier disputes. All the information they used for their investigation, as FCRA 611 ( a ) ( 7 ) required, Written proof that you forwarded all the relevant information in my earlier disputes to creditor. FCRA 611 ( a ) ( 2 ) ( B ) The company XXXX also did not provide anything when I contacted them about debt validation. XXXX and XXXX has since deleted this account from my credit report
Product: Checking or savings account

On XX/XX/2022 my Chase banking account got restricted because of a check I deposited online for {$5000.00} from my father who passed away. The check was not counterfeit and there was no issue with it. I reached out to chase support team and got transferred to the restriction team, they had me verify the check through the check makers phone number. They got ahold of them and everything was verified. They proceeded to tell me that they could not unrestrict my account until my check cleared the next day. So the next day it cleared, I called back and they went through the process of verifying but this time saying the phone number didnt match, but it was the phone number on the check and the same phone number they called the previous day and verified with. Then by the end of the call they told me they made the decision to close my account and hung up. I called repeatedly and got the same response with no way to unrestrict my account. Ive had the maker of the check go into their own branch to verify it, Ive done everything I could. Now my account will close in 10 days and I have no access to my account or funds over something I have no control over. I wont be able to pay bills or for food for 10+ because my account is restricted for no reason. And the final call I made today on XX/XX/2022, they told me chase can close an account without having to give a reason. I have absolutely no idea what to do and now Im stressing and panicking over how Im going to pay for things when I havent done anything wrong.
Product: Debt collection

I was notified by my credit watch company of a new debt collection on my credit report for an account that i never had. The company appears to be XXXX that sold the debt to Mrs BPO LLC for {$320.00} for an account opened on XX/XX/year>. I have never done business with XXXX  nor do I recognize the collection. I did notify XXXX of the dispute to be filed with the debt collection company as they are requesting a debt to be collected from someone who does not own it. I have been a victim of Identity theft and keep a close eye on my accounts and credit reports which are frozen so no new credit should have been opened without them attempting to contact me directly. The original creditor must have opened an account without verifying my credit and contact information at the time of account creation as the fraud alert would have been presented.