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

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THAT INACCURATE INFORMATION REPORTING IN XXXX  : Bankruptcy XXXX XXXX XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX
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. 

XXXX ) XXXX  Account number : XXXX XXXX ) Attorney General Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX ) XXXX  XXXX Account number : XXXX XXXX ) XXXX XXXX card Account number : XXXX I looked at my Equifax credit report on XX/XX/year> and 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 ( i ) 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information information. 
( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 ( ij ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 U.S.C 1681 ( s ) 2 they are suppose 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 the information is inaccurate.
Product: Credit card or prepaid card

On or about XX/XX/2021 I submitted a complaint to cfpb about my Capital One credit card charge. Complaint No. XXXX. After this complaint was submitted to Cap One they responded stating that they investigated the claim and that I benefited from this fraudulent purchase. 
The problem here is that the credit card company has provided NO EVIDENCE that I purchased these services. No signature, no copy of the charge slip, no surveillance that I was even in XXXX, XXXX the day the purchase was made. 
If Capital One offers fraud protection like they claim in their advertisements, why are they blowing off my complaint? It appears that they are lying about providing fraud protection since they have failed to fully investigate this claim.
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 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States : I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

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 with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX

FCRA Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provider evidence to furnishers, accepting unreliable response, and failing to adequately notify to consumers of disputed information outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference .....

they are reporting 3 different high credit limits XXXX  reports {$950.00} experian reports {$0.00} XXXX reports {$910.00} they are reporting different dates of last payment on my report XXXX  and experian are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX they are reporting 3 different dates of last active XXXX  reports XX/XX/XXXX experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Product: Debt collection

Medical center never sent any communication of amount owed or what services were rendered. Received call from random collector in XXXX AL who did not identify themselves as collection agency.
Product: Credit reporting or other personal consumer reports

I have reached out to TransUnion numerous times and sadly I have to continue this fight to have them to remove inaccurately reporting accounts. In IRS Publication 4681 states that canceled debts or charged off accounts are considered INCOME and income is not to be included in any credit reports. I am writing to formally dispute inaccurate information on my credit report that you have failed to properly reinvestigate, in direct violation of the Fair Credit Reporting Act ( FCRA ). The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against TransUnion for consistently failing to conduct reasonable reinvestigations of consumer disputes, mischaracterizing dispute information, and allowing inaccurate information to persist in credit files. I believe my case falls within the scope of these allegations. 

The following account ( s ) contain inaccurate or unverifiable information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The Account was never late please remove the late payments from XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX : The Account was never late please remove the late payments from XX/XX/XXXX through XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX : The Account was never late please remove the late payments from XX/XX/XXXX and XX/XX/XXXX. 

These accounts are reporting as Charged Off Accounts and Pursuant to IRS Publication 4681 Cancelled Debts/ Charged Off Accounts are classified as INCOME. The reporting of these accounts as debt is inaccurate. I never received a 1099-A or C from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the cancelled debt. Income is not to be included in a credit report. So Please DELETE/ REMOVE/ BLOCK these accounts. Thanks I have attached supporting documents including screenshots from the IRS website. 

Under 15 U.S.C. 1681i ( a ) of the FCRA, TransUnion is required to conduct a reasonable reinvestigation and provide accurate results. The CFPBs lawsuit highlights TransUnions repeated failures, including : Failure to forward all relevant dispute information to furnishers. 
Uncritical acceptance of unreliable furnisher responses. 
Issuing misleading and contradictory reinvestigation results to consumers. 
Improper reinsertion of previously deleted information. 
Given these legal violations, I demand that TransUnion immediately : Reinvestigate the disputed information in good faith, forwarding all supporting documentation to the furnisher. 
Delete or correct any inaccurate or unverifiable information. 
Provide a clear and accurate written response detailing the outcome of the reinvestigation. 
If TransUnion fails to comply, I will escalate this matter to the CFPB, the Federal Trade Commission, and pursue legal remedies as necessary. Please respond within 30 days as required by law. 

Sincerely
Product: Checking or savings account

On today, XXXX, I attempted to access SunTrust Online Cash Manager in preparation of remitting {$5600.00} rent payment and payroll for my XXXX employees due on this week XXXX. I noticed that I was not able to access Online Banking, despite the fact that I changed my password on several occasions, this prompted me to move forward with calling Customer Service. I was then advised that my account was closed without any notice. I have rent and payroll due this week and they will not give me access to my funds, funds in the amount of {$170000.00}. I have called several times on today without any remedy from SunTrust and have went to the bank 's Branch as well and they were not able to assist me by releasing my company 's funds.
Product: Credit reporting or other personal consumer reports

I called the credit report to verify my debt information reported is 100 % accurate and that they can fully verify it. They could not.
Product: Debt collection

Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Debt and Request for Validation Information under Federal Law Dear Southwest Credit Systems, I am writing in response to your attempts to collect a debt allegedly owed by me. I formally dispute the debt in its entirety as you have failed to provide the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Specifically, I am requesting : 1. A copy of the purchase agreement or assignment agreement between your agency and the original creditor demonstrating your authority to collect this debt.

2. Full validation of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

In addition, I revoke my consent for any communication via phone, email, or any other method. Per the FDCPA, any further communication not explicitly authorized by law will constitute a violation of my rights.

Violations of Federal Law You have failed to provide me with the opportunity to dispute the account within the mandated time frame, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Your actions constitute violations of the following : 1. 12 CFR 1006.34 ( d ) for failure to disclose all legally required information.

2. 15 USC 1681s-2 ( 7 ) ( A ) by furnishing information to consumer reporting agencies without fulfilling your disclosure obligations.

3. 15 USC 1692e by employing false, misleading, and deceptive practices in your collection efforts.

As per 15 USC 1692k, you are liable for damages of {$1000.00} for each violation of my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

FCRA violations : 1. Reporting Future Dates ( FCRA Section 607 ( b ) ) Last Reported Date : XX/XX/year> Reporting future dates is inherently inaccurate and violates the FCRAs requirement for maximum possible accuracy. All information on a credit report must reflect actual, current data.

2. Charged-Off Account with Past Due Amount Payment Status : Collection Chargeoff Amount Past Due : {$1000.00} A charged-off account is written off as a loss for accounting purposes. However, continuing to report an amount past due can mislead creditors and violate Section 623 ( a ) ( 1 ), which mandates accurate reporting.

If the account is charged off, past due amounts should not accumulate unless the debt remains with the original creditor.

3. Balance vs. Credit Limit Discrepancy Balance : {$1000.00} Limit : {$700.00} The balance exceeds the credit limit, which can be accurate during active use. However, if this account is closed and charged off, it may indicate ongoing interest or fees. Reporting incorrect balances violates Section 623 of the FCRA.

4. Consumer Dispute Requirements ( FCRA Section 611 ) The Remarks state : Account information disputed by consumer, meets FCRA requirements.

Under the FCRA, when an account is disputed, the credit bureau and furnisher must conduct a thorough investigation and resolve inaccuracies within 30 days.

If the information remains inaccurate or unverifiable, it must be corrected or removed. This process must be transparent and completed promptly.

Summary of Violations : 1. Future Date Reporting ( XX/XX/year> ) violates Section 607 ( b ).

2. Improper Past Due Amount on a charged-off account.

3. Potential Balance Inaccuracy relative to the credit limit.

4. Failure to Properly Resolve Consumer Disputes under Section 611.

My consumer rights are evidently being violated and will be met with legal action if it is not handled accordingly. This is fraudulent and needs to be removed from my report.
Product: Credit reporting or other personal consumer reports

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX XXXX and equifax credit agengies but it has came back as verified on XXXX  and equifax but XXXX deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on XXXX and the last activity on equifax is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was hacked from the Equifax system and was discovered in XXXX and we were just notified of it as of XXXX XXXX. They spent over a month knowing this information and not letting us know. It is a HUGE risk for millions of Americans including myself and I am very worried.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX XXXX I haven't used this card in over 3 months and i don't carry any balances on this card. I just recently lost my XXXX and XXXX, the card company is charging me a fee every month to have a card with them. In error i forgot to pay the {$10.00} fee, I wasn't notified about the late fee until it had climbed to {$57.00} dollars. I always put all my cards on auto payment as i have exceptional credit, this company doesn't have a auto payment feature in their system as they told me they stopped having it during covid and never put the feature back in the system. 
This is very stressful as i'm currently in the process of purchasing a home for me and my family, I just recently looked at my credit score and because of this {$10.00} 30 day late on my credit my score has dropped XXXX points from this issue. This will destroy my credit worthiness and history, Only because i wasn't able to put this card fee on auto payment. 
I have to manually pay {$10.00} every month. Im asking you to contact this company that hasn't been helpful at all. The company should at least have a option for auto payment, so if a customer has to pay this fee every month, he or she doesnt have to manually put a payment in for the fee of {$10.00}. I believe this is done purposely so most people will forget about the fee and be charged a late fee and late payment on their credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a lease in XXXX of 2015 with American Honda finance. I made a payment early XXXX. XXXX my payment due at the end of XXXX. My vehicle was traded out later in XXXX and paid in full by XX/XX/XXXX. But on all 3 credit bureaus it shows date of first delinquency for XX/XX/XXXX! Even if I never made a payment there wouldn't haven't been 30 days between my first payment and XX/XX/XXXX anyways for that to be my date of delinquency. I also filed bk A YEAR LATER. So now it shows included in bk, with the date of first delinquency. But since it was PAID IN FULL a year before I even filed, it should just be paid never late not included in bk.I have disputed multiple times with all 3 bureaus and they don't fix it! Finally I got fed up and called XXXX and they said they thought they fixed it already. They said they got my disputes and thought it was fixed. I asked them to send me a ledger so I can redispute with proof and they said they couldn't! They said for me to dispute again and they will fix it. But I've already done it 5 times. Please help me.
Product: Debt collection

I was a member of Wells Fargo for over 10 years, I had a credit card that was placed in collection since I was running late with payments due to change of jobs. I was a credit card of {$300.00} dollars. I called to negotiate the amount and I was able to settled for {$230.00} now balance is XXXX. I called the other day to send them a " Goodwill letter '' and have this account removed from credit report. They say NO, since the account was settled at $ 60 % of the original balance. They say that I still have a balance. I told them that my balance was XXXX, and that was unfair. They are not able to negotiate with me and in the other hand they are highly hurting my credit report.
Product: Credit reporting or other personal consumer reports

I have no idea who these accounts belong to. I have sent letters to dispute but all I keep getting is stall letters or the credit bureaus not properly investigating. 

XXXXXXXX XXXX Acc # XXXX XXXX XXXX Acc XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX  Acc # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred Freedom Mortgage to XXXX XXXX. During the transition period Freedom Mortgage reported to the credit agencies that my mortgage was closed. Of course it was not closed it was transferred to XXXX XXXX by Freedom Mortgage. My credit report suffered because of this and because XXXX XXXX did not report my mortgage payments. I reached out to XXXX XXXX and they said they did report it and I but they could not show me verification of this. I would like this situation rectified as soon as possible. Thank you for your help.
Product: Mortgage

US Bank committed fraud by completing and negotiating pay off agreements while foreclosing on the property without notifying the guardian or the title and real estate company when they directed the payoff amount and wiring instructions. These two XXXX XXXX individuals were not capable of being served in the first place or signing. US Bank allowed us to pay them off, knowing that they had just foreclosed on a second mortgage with them one month prior to the payoff without informing us at all. We would like to reverse the foreclosure action for this reason or receive our hard earned equity of XXXX plus our payoff amount they illegally accepted. I have reached out to all the attorneys and they inform me that it is US Bank that is responsible for this problem. It has a pending offer on the as the buyers are profiting major money off these helpless people. I want to stop the sale. We have reached out to the seller to stop the sale and they have refused as well. They have no phone or email and are barely communicating non sense at present. He worked 40 years to get this house paid for. When I met him, they had various properties to sale to pay off the mortgages on them and finally we paid off their residence in full with US Bank. If we knew it was foreclosed on, we would NOT have sent the payoff. It wasn't that much on such a nice home. The bank sold it for XXXX and we offered to pay them $ XXXX and thought they accepted, then they stopped corresponding totally. It now has an offer and we want to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data.My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX BANK XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance XXXX {$43000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$50000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report.