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

Re : Dispute of XXXX XXXX XXXX XXXXXXXX Dear [ Credit Bureau ], I am writing to formally dispute the inaccurate and unlawful reporting of the above-referenced XXXX XXXX XXXX XXXXXXXX account on my credit report. This company is in violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and is engaging in misleading, false, and deceptive practices that infringe on my rights.

1. Failure to Provide Validation of Debt : Under 15 U.S.C. 1692g, I have the right to receive proper validation of the alleged debt, including details regarding the amount owed, the original creditor, and supporting documentation to substantiate their claims. Despite my attempts to resolve this issue directly with XXXX XXXX XXXX, they have failed to provide the required validation, yet they continue to report a charge-off on my credit report. This failure violates federal law. 
2. False and Deceptive Reporting : Reporting a charge-off without validating the debt or providing supporting documentation is a misleading and deceptive practice. This is a clear violation of my rights as a consumer and contradicts the standards set by the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

As a consumer, I am entitled to {$1000.00} per violation of my rights under the FDCPA. JPMCBs continued failure to validate the debt and their deceptive reporting practices constitute multiple violations. I demand that these accounts be removed from my credit report immediately or that I be compensated as per federal law. 

I have made good faith efforts to resolve these issues directly with XXXX XXXX XXXX  but they continue to disregard my rights. Therefore, I am requesting that the credit bureau take immediate action to investigate this matter and correct my credit report. 

Under the FCRA, you are required to conduct a prompt and thorough reinvestigation of disputed information and notify me of the results within 30 days of receiving this letter. 

If this matter is not resolved promptly, I am prepared to escalate it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this account or a resolution that is in compliance with federal law. You may contact me at [ XXXX ] or XXXX if further information is required. 

Sincerely, XXXX XXXX [ Last XXXX Digits of XXXX XXXX XXXX Let me know if youd like additional edits or enhancements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting that I am ( 120-150 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and SSN card for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : 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 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 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 or other personal consumer reports

During the week of XX/XX/year>, I requested by way of dispute the removal of information in question concerning several accounts. They have not removed it from the accounts in question.

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

- XXXX, Account # XXXX, REMOVE Late Payment - XXXX, Account # XXXX, REMOVE the remark " XXXX Potentially Negative Months ''. 

- XXXX, Account # XXXX, REMOVE the remark " XXXX Potentially Negative Months. '' - XXXX, Account # XXXX, REMOVE the remark " XXXX Potentially Negative Months. '' 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.

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 or 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I reached out to Experian to remove the damaging information from my credit report and they have not done so.
Product: Mortgage

I have a loan with Carrington Mortgage, Acct XXXX. : XXXX. I XXXX XXXX XXXX to my home due to XXXX XXXX, in XX/XX/2022. I filed XXXX with XXXX XXXX ( XXXX ) which has been paid to XXXX XXXX. I have tried to work with XXXX XXXX to release funds to pay for repairs and they are withholding funds requesting documentation that does not exist. They are holding approximately {$97000.00} in funds needed for repairs and refuse to release funds or schedule a further inspection to releasse funds. They are basically stealing my money that is needed to repair damage due to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


US DEPT OF EDXXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX Account Balance : $ {$1400.00} ; XXXX XXXXXXXX XXXX XXXX Account Balance : {$57.00} ; XXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Account Balance : {$770.00} ; XXXX XXXX XXXX XXXX XXXXt Balance : {$170.00} ; XXXX XXXX XXXX XXXXXXXX Account Balance : {$630.00} ; XXXX XXXX XXXX Account Balance : {$0.00} ; 1909 XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to transunion about items furnished on my credit report w/o my consent. These items are damaging me as a consumer! I can not succeed in the things as a consumer that I wish such as purchasing a home because of these damaging items on my report. It has been over 30 days and I have yet to receive a response.
Product: Student loan

Payments get reversed and I don't get notified when they happen. Then payments are due and doubled the next month, which I worry will begin to start charging fees. As of today I have been notified that i'm past due, but was never notified that payments were reversed. 

XX/XX/year> {$100.00} same day reversed Following month double charges and new charges appear
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account Number XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX, I applied for a new credit card. I didn't really need more credit but I wanted to take advantage of the loyalty points. My credit score was above XXXX. I was approved and a credit card was issued to me pretty quickly. Shortly after I applied, my credit score with Equifax suddenly went way down. When I inquired with them, they said it was due to " hard inquiries '' that would stay on my record for 2 years. XXXX already finished the credit inquiry on me back in XXXX and that's why they issued me a credit card. The inquiries are over and done with. But Equifax still will not remove them from my record. They blame XXXX. However, I don't believe them because this has not affected my credit score with XXXX. With XXXX my credit score is XXXX. With Equifax my credit score is XXXX and Equifax said that it will take 2 years for the " hard inquiries '' to be removed from my file. I find that very unacceptable. I used the Equifax online portal and I also spoke to someone over the phone who basically told me that there is nothing they will do to remove the hard inquiries. How is that legal? I have zero late payments and they are tarnishing my good credit record. ( I did not check XXXX because I had problems using their website. )
Product: Debt collection

Received letters from MCM attempting to collect on Statute Debts. 9 years old or so. Claim offering reduced amount. These debts are statute and are not on my credit report. 

Furthermore, another debt was already disputed with credit reporting agencies and correctly and appropriately cleared from my credit file. 

XX/XX/XXXX XXXX XXXX XXXX Charged off and removed from credit file XX/XX/XXXX XXXX XXXX XXXX XXXX ( Statute account ) XX/XX/XXXX XXXX XXXX XXXX ( Statute Account ) Letter received is dated XX/XX/XXXX from MCM MCM XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting an unverified account to two of my consumer credit reports Experian and XXXX. I have requested that he information being reported is investigated properly with no avail except for a response of " verified ''. I have specifically asked in several documented and tracked letters for both companies to provide me with the avenues taken that gives them the legally right to report this account to my credit report and have yet to receive an appropriate answer. I have never received notification from said company verbally or written. I have also advised both companies that the electronic system used to supposedly verify items is not sufficient enough as anyone especially a third party paying for their service could easily fax, mail, or email over fraudulent information. It is my right according to the FCRA to have this properly and completely verified and my request to be taken seriously as it is my credit reputation and tarnishing of my good name that is at stake. Not to mention both companies as taken over the thirty days in which to respond to said disputes primarily their method of verification which only gives them 15 days to comply/respond to request. On these grounds alone I am requesting that this account be removed from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the persistent delays in correcting the late open accounts and the removal of public records from my financial records, despite numerous attempts to rectify these issues. 

It has come to my attention that there are inaccuracies in my financial records, specifically related to late open accounts and public records that have been erroneously reported. Despite my repeated efforts to address these discrepancies and provide supporting documentation, the necessary corrections have not been made. 

These inaccuracies have had a significant impact on my financial standing and creditworthiness. As a responsible consumer, I have diligently maintained my accounts and fulfilled all financial obligations. However, the presence of these inaccuracies unfairly tarnishes my credit history and undermines my financial credibility. 

I demand immediate action to correct these errors and ensure that my financial records accurately reflect my financial history. It is imperative that the late open accounts are rectified, and any public records inaccurately reported are promptly removed from my records. 

Furthermore, I expect your institution to implement measures to prevent similar errors from occurring in the future and to provide better support and assistance to customers facing similar issues. 

Failure to take immediate action to resolve these matters will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. 

Thank you for your attention to this urgent matter. I trust that you will act swiftly to address my concerns and restore the accuracy of my financial records. With this, I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1000.00} I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 
XXXX XXXX XXXX Balance Owed : {$2100.00} The presence of a 30-day late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected. 
XXXX XXXX XXXX  Reference # : XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Product: Checking or savings account

Wells Fargo recently settled with the CFPB for {$2.00} XXXX in damages to account holders due to illegal practices. Since opening my checking account with them in 2012, I have received numerous surprise overdraft fees. After filing a complaint with the executive department to receive proper compensation for these fees, Wells Fargo closed my complaint and refused to follow through and abide by the settlement.
Product: Credit reporting 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 confidentially 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Checking or savings account

On XX/XX/year> I paid the posted bill on my personal loan that was due on the XXXX with my external checking account. On the XXXX, USAA auto drafted the full payment from the checking account I had with them, this over drafting the account since I didnt really use it anymore. 

I called to dispute this payment since I had already paid them the day prior. I figured it was an issue with the system that required human override. XXXX and a half weeks later on XX/XX/year> I receive communication from USAA stating that they did nothing wrong in pulling the money and they would not put the money back into the checking account. 

On top of over drafting the account when they didnt need to, they charged me a {$29.00} overdraft fee that I had to pay for because of their mistake. When I called to ask them to explain the decision to me they said they could not change the decision and I would have to contact customer lending services. 

In the end, I have closed XXXX of XXXX of my checking accounts with them and my savings account. My other checking account will be closed later this week because I had to transfer money into the account to bring the balance up to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/20 I attempted to change the phone number to my account as I did not have the previous phone number XXXX used anymore. When I asked to change it Chime told me they would not be able to give me access to my account unless I provided them with my phone bill. Because apparently it was associated with a different account. My phone number is under my boyfriends moms plan and I am unable to put my name on it. So they told me unless I got a new phone plan I would not be given access to my account. I sent them my ID a picture of me holding my ID and my social security card pic via email and nothing is satisfying them.
Product: Debt collection

Several times a month, they reported to XXXX that I did not pay this debt. They are ruining my credit score, and I never received a bill or an attempt to collect a debt. I think it is fraudulent. 
SEE BELOW the report to XXXX  : CALIFORNIA BUSINESS BU has flagged your account as Collections. 

Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. 

Alert Date XX/XX/XXXX Source XXXX Company CALIFORNIA BUSINESS BU Payment Status Collections Status Date XX/XX/XXXX Balance {$390.00} Balance Date N/A Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know XXXX XXXX ( Finance ) I strongly believe someone opened this account in my name on the XXXX and I want this to be investigated and remove from my credit profile because I don't remember this name or applying for this account. This information is incorrect and I want it off my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the XXXX Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the XXXX credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX AR ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$600.00}.