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

Subject : Dispute of Credit Reporting Error XXXX XXXX Account To Whom It May Concern, I Will allow No Longer than 20 days for the Negative Remark to be Removed From My Consumer Report before Pursuing Legal Action. 

I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding a credit reporting error related to my XXXX XXXX account. The account is inaccurately reporting a balance of {$33.00} when, in fact, the account has a recorded balance of {$0.00} out of a {$1000.00} limit. This discrepancy is not only misleading but also fraudulent, and I am prepared to file an FTC report to support this claim if necessary. 

Account Information : Account Holder Name : XXXX XXXX Account Number : [ Account Number ] Balance as Per Account : {$0.00} Credit Limit : {$1000.00} The credit reporting error in question pertains to my XXXX XXXX account. Despite the account reflecting a {$0.00} balance and being well below the credit limit, it is inexplicably reporting a balance of {$33.00}. This erroneous reporting has negatively impacted my credit score and financial standing. I have attached supporting documentation, including a screenshot of the account summary, to this dispute for your reference. 

I am deeply concerned about the fraudulent reporting of this account balance, which could potentially harm my creditworthiness. In light of this, I kindly request that the CFPB intervenes to facilitate the following resolution : 1. Immediate Correction of Reporting Error : XXXX XXXX must promptly correct the erroneous reporting of the account balance, ensuring it accurately reflects a {$0.00} balance as indicated in my account records. 

2. Cease Negative Reporting : XXXX XXXX should immediately cease any negative reporting associated with this account. Negative reporting, including delinquency or late payment indicators, should be removed. 

3. Confirmation of Corrected Reporting : XXXX XXXX must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a {$0.00} balance and that any negative reporting has been removed. 

If necessary, I am prepared to file a report with the Federal Trade Commission ( FTC ) to support my claim of fraudulent reporting. However, I hope to resolve this matter amicably and promptly through the CFPB 's intervention. 

I trust that the CFPB will investigate this issue and ensure that XXXX XXXX complies with the applicable regulations and guidelines governing accurate and fair credit reporting. I kindly request that you acknowledge the receipt of this complaint and keep me informed of any actions taken to address this matter. 


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

I submitted a dispute to equifax about XXXX XXXX account inaccurate. 
Once again equifax has failed to go through the proper investigation process. Which is against the fair credit protocol. Equifax needs to fix this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  XXXX  XXXX  and may have got into the hands of the wrong person.
Product: Credit reporting

I keep disputing XXXX particular accounts with Equifax that have not yet been resolved to my satisfaction. The XXXX account is a collection account with XXXX XXXX XXXX. Initially when I first saw this item on my credit report, I was unfamiliar with it and almost 100 % sure that I had never dealt with this company before. However, I just went ahead and paid it. This account was paid over the phone by credit card to XXXX XXXX on XXXX XXXX. The amount was {$75.00}, however I paid an additional {$9.00} fee due to the fact I used my debit card. A grand total of {$84.00} was paid. I was assured that this would take care of the debt and the account would be deleted from my Equifax credit file. Unfortunately, it has been over 2 months and this item still reports as an unpaid collection account. I have disputed this item at least twice yet it is remaining unchanged. I have my bank statement and a receipt from the company proving that this account was paid in full. The next item that I have disputed multiple times without resolve is with XXXX. This account is also a collection account. There are several issues with this account. First, this account was removed last year but was reinserted on all XXXX credit files. Secondly, I knew nothing of this collection account until I started doing credit monitoring using XXXX XXXX. I was not familiar with the collection agency or original creditor nor had I ever been contacted by either. I later researched this account by tracking down and contacting the original creditor to determine if this was in fact a valid debt. Upon contacting the original creditor, I did determine that the debt was valid and immediately made payment to the original creditor by phone. Upon a closer look by the representative for XXXX XXXX, it was found that they had the wrong address and phone number for me that is why a debt from XXXX slipped through the cracks. When I was in XXXX, I had so many doctors coming in and out who were not my doctors but they still had fees for providing care to me. This is what caused me to question what was being reported on my credit report. Nevertheless, once I paid the {$210.00} over the phone to the original creditor, I contacted the collection agency and notified them of the payment. I dealt with a very rude woman who did not seem happy that I paid the original creditor. As a precaution, when I saw no changes, I disputed this account information. I even attached a file that contained the receipt from the original creditor. XXXX and XXXX deleted the account but it was still reporting as unpaid on Equifax end. I disputed again but the online system was having issues with my attachment ( receipt ), so I submitted it without the recipt. This time it was updated to paid. However, this account should have been removed from my file because it was reinserted and I had no dealings with the collection agency. This account was removed in XXXX of XXXX and reinserted XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item 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 block/remove these files.

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
ALLY FINANCIAL XXXX Open Date XX/XX/2019 balance : {$270.00}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

Navy Federal Credit Union, explained that they would not adhere to the XXXX, and my request to dispute certain items, due to perceived fraudulent transactions. In my official XXXX letter mailed to Navy Address in XXXX, Virginia I requested all statements, and ancillary information. I was informed by the Navy CSR that if I did n't imminently make payment I would be reported to the CRA as late. This is a clear and cut violation of the Fair Credit Billing Act, and its provisions that the CCPA codified XXXX which requires CREDITORS : " In addition to creating a mechanism for dealing with billing errors, the FCBA contains additional regulations, including the following : Billing statements must be sent at least fourteen days before the payment is due for open end credit accounts that have a grace period prior to adding finance charges. 
If banks report payments as delinquent to credit bureaus they must also report a charge is disputed. 
Credit card companies may not prohibit merchants from offering discounts to people who pay with cash or check. 
Banks may generally not use money in checking or savings accounts to pay a delinquent credit account with the same bank. 
The XXXX XXXX gives a consumer the right to sue or assert defenses against the credit company ( instead of the actual merchant ) in a dispute about the quality of goods or services received, to the dollar extent of the amount of the charge ( s ) involved. ( The dollar amount of the charge must exceed {$50.00}, and the purchase must have been made in the consumer 's home state or within XXXX miles of their address ( unless the creditor is affiliated with the merchant, in which case these restrictions do not apply ). The consumer must also make a good faith attempt to resolve the dispute prior to invoking this right. ) Especially now is all the more prudent to support openness and not be punished in light of XXXX which stated purpose that created the CFPB is " To promote the financial stability of the United States by improving accountability and transparency in the financial system, to end " too big to fail '', to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. '' Id say the mere treating of reporting me as delinquent when I challenged a statement is not only counter to XXXX its counter to the mission and work of the CFPB. I am disappointed in NAVY
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Bankruptcy chapter XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX please see all enclosed documentation that all 3 bureaus failed to respond to and on. Enclosed is FTC complaints and reports regarding delinquent accounts posted to my credit report along with no response that has been included within 30 days.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failure to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating that the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB ' s recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The following are the accounts I have marked as inaccurate : Applied 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 card or prepaid card

I had multiple credit cards opened in my name fraudulently. XXXX were through Capital One and another through XXXX. The XXXX account was found to be fraudulent, and only XXXX of the Capital One cards was found fraudulent by Capital One. I filled out the paper work for both Capital One cards that they require when filing a frailest claim, ( XXXX was a XXXX XXXX card, which was found fraudulent, and a XXXX XXXX card which they said was not fraudulent ) and returned the documents required in the time they told me to. I filed a police report, identity theft report with the FTC, and notified all the credit bureaus. Both Capital One cards were opened on XX/XX/2022, and both cards had charges on them to max out the approved amount for each card. Capital One only believes XXXX of those accounts were fraudulent for some reason. When I called to dispute this, they claim that there are phone records tied to my phone number about the account, which they will not disclose any information about. I told them that they should have a record of my number calling them about the account, because I reported it being fraud. On top of all of this the account was opened and charges were made in XXXX, Florida. Ive never left the west coast. I asked them why I wasnt notified about the card being opened or even why maxing out the card in Florida wasnt enough to put up a red flag. They said that the activity wasnt found to be suspicious in any way. I find that ridiculous, and unprofessional for a large bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The inaccurate personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiry in question so that you XXXX do as you are governed by the FCRA. I have tried to contact this company on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The company that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

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

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

DEPTEDXXXX  XXXX {$9000.00} DEPTEDXXXX   XXXX {$17000.00} DEPTEDXXXX   XXXX {$17000.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX  XXXX {$6000.00} USDEPED XXXX {$34000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$2500.00} XXXX XXXX {$990.00} XXXX   XXXX {$7100.00} USDEPED XXXX {$8200.00} XXXX XXXX {$480.00} XXXX   XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Mortgage

Key Bank wanted to charge a large processing fee upfront before handing a loan estimate. This is not allowed as per the consumer finance website " By law, the only fee that lenders are allowed to charge you before issuing a Loan Estimate is a small upfront fee to pay for pulling your credit report. The fee will usually be no more than {$20.00}. ''
Product: Prepaid card

I was scammed out of over {$1300.00} because I tried to buy from 2 separate vendors and they never sent the products so when I called my bank to dispute the charges they said theyd give me my money back only to deny my dispute request days later. I just want my {$1300.00} back so I can buy something else and feel whole but nobody is helping me
Product: Debt collection

I have been to XXXX XXXX only on emergencies and I have XXXX insurance they never did anything for me in the emergency room they only referred me to other doctors I don't understand how this could be affecting my life so much when they really have no right to be trying to collect anything they charged my insurance
Product: Mortgage

Responded to advertisement on XXXX on XX/XX/2020. The advertised rate was 2.5 % for a 20-year fixed rate mortgage with no points or other upfront costs. After going through the pre-approval process, Ally Bank 's real rates were nowhere near the advertised rate. When I called to get an explanation, they said they were not actually offering the advertised rate. I told them I would submit regulatory complaints for blatant bait and switch. They said " good luck with that ''. They later followed up by email to say they wanted to " run some options by me ''. I responded to say, I'd be happy to proceed on the basis of the advertised rate. They have not responded at all since their original email. I also note that the same  false rate was still advertised on XXXX today and that Ally 's real rates have not changed significantly since yesterday.

I am a prime borrower, with high income, lots of cash savings and pristine credit. I refinanced previously and have never seen advertised mortgage rates so out of whack with real rates. All of the information I submitted to Ally Bank was the same as what I  submitted to XXXX. The loan I requested would be a 40 % LTV, 12 % DTI conventional conforming loan. It shouldn't get any more straightforward than my situation. I am attaching screenshots from  XX/XX/2020 at around XXXX PT as evidence.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigate on my credit report and found several items on there to be inaccurate. 
Under 15 U.S code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall reasonable produces to assure the maximum possibly accuracy of the information concerning the individual about whom the report relates. 
Pease remove the following items from my credit report immediately. 
XXXX XXXX XXXX XXXX Hard Inqury : XXXX XXXX XXXX
Product: Credit card or prepaid card

distress and XXXX, to XXXX XXXX where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Credit card or prepaid card

XX/XX/XXXX Account XXXX : XXXX XXXX XXXX XXXX Capital One closed my account with refunding me the deposit I have made back in XXXX. 

I have called multiple times to have this deposit send it back to me via check. I can't believe they're stealing money from the customer and they closed my account incorrectly! 

I NEED MY DEPOSIT TO BE SENT VIA CHECK IMMEDIATELY! 

My check need to be sent to this address : XXXX XXXX XXXX XXXX NY XXXX
Product: Checking or savings account

on XX/XX/2019 i went to the bank to withdraw some money and found out that my account was being used and took XXXX dollars from my account. this happen within several transaction. i would like to request a thourough investigation and im willing to prosecute.