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

RE : Formal Complaint for FCRA Violations and Illegal Re-Aging of Child Support Account Account Number : XXXX Dear Sir/Madam, I am submitting this formal complaint regarding illegal and inaccurate reporting of child support obligations on my credit report by [ Name of Furnishing Agency or Creditor ], which is in direct violation of the Fair Credit Reporting Act ( FCRA ). This correspondence serves as both a dispute under the FCRA and a notice of potential legal action for willful non-compliance. 
Legal Basis for My Dispute 1. Illegal Re-Aging of Delinquency Dates : Under 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ), delinquent accounts can not be reported for more than seven ( 7 ) years from the date of first delinquency. Despite previous disputes, [ Name of Furnisher/Credit Bureau ] has illegally re-aged my child support account by updating delinquency dates to more recent periods, artificially extending the reporting period. 
This practice is unlawful unless there is documented proof of a new, separate delinquencywhich I demand to be provided. 
XXXX. Violation of Accuracy Obligations : 15 U.S.C. 1681e ( b ) requires credit reporting agencies to ensure the maximum possible accuracy of the information reported.

15 U.S.C. 1681s-2 ( a ) mandates that data furnishers must report accurate information and correct errors promptly after a dispute. 
3. Failure to Conduct a Reasonable Investigation : Despite submitting prior disputes, the credit bureaus and furnishers have failed to conduct a reasonable investigation as required by 15 U.S.C. 1681i ( a ). Simply updating dates without verifying the legitimacy of the information violates this section.

Formal Request for Action Pursuant to the FCRA, I am demanding the following : 1. Immediate Investigation : Conduct a thorough investigation of the illegal re-aging of my account XXXX. 
XXXX. Deletion of Inaccurate Information : Remove all improperly reported child support delinquencies and any re-aged data from my credit reports with [ Equifax, XXXX, XXXX ]. 
XXXX. Proof of Verification : Provide written documentation verifying the source of the reported delinquency dates and any supporting evidence that justifies recent updates. 
4. Notification of Corrections : Notify all parties who accessed my credit report within the past six ( 6 ) months of the corrections made.

5. Written Confirmation : Provide a written response within 30 days as mandated under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Notice of Legal Intent If these actions are not taken within the required timeframe, I will pursue all available legal remedies under the FCRA, including : Actual damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) Statutory damages Punitive damages for willful non-compliance Attorneys fees and legal costs
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments reflected on XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX are incorrect, not late on the month shown on the credit report, re investigate it and fix the accounts on my credit report
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Put hard credit inquiry on my credit I don't recognize or authorize on XXXX XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting debt that is incorrect ; not my debt ; and incorrect date of original date. And company reports wrong date debt was incurred by someone other than me.
Product: Checking or savings account

On XX/XX/XXXX my wife and I ( XXXX and XXXX XXXX ) discussed a temporary account to open for {$600000.00}. with Wells Fargo Banker XXXX XXXX, his telephone number XXXX ( Store number XXXX, Officer number XXXX ). We explained that we did not want to tie the money up because we wanted to have it available in case we needed it. XXXX XXXX assured us the account we were requesting was new and there would be no penalty if we needed the money. The conversation that took place in XXXX XXXX 's office did not correspond with the paperwork we were given and I explained to him again that I did not want a CD, he assured me again that this was something new and there would not be a penalty if I decided to withdraw the money. 

On XX/XX/XXXX we went to another Wells Fargo to close the account and we were told there would be {$3300.00}. penalty because of early withdrawal. 

We filed a complaint with Wells Fargo Bank and we were informed that we would not be reimbursed for the {$3300.00}.
Product: Debt collection

Amount {$670.00} XXXX XXXX debt ( XXXX ) is trying to have me pay the amount not owed by me. 

I returned the XXXX XXXX XXXX after lease expiry in XX/XX/XXXX to XXXX XXXX, CA and took a new lease from same dealer XXXX XXXX and got a new XXXX XXXX and the excess miles etc was settleed during this and into my monthly payments for this car. XXXX XXXX confirmed this and the XXXX is denying this and threatening me to pay this amount again. 

Please investigate as i already paid this to XXXX XXXX and was settled in XXXX 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 the 15 USC 1681. Account information is as following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at myExperiancredit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. 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 the 15 USC 16881 ( e ) ( b ). According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are supposed to not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Subject : Urgent Request for Refund of Outstanding Charge Dear Chase Corporate Escalations, I am writing to follow up on an unresolved issue regarding a refund for a service that was not delivered. I had ordered XXXX XXXX XXXX from XXXX XXXX, XXXX, but the service was not provided. The merchant agreed to a full refund in writing but has failed to issue it. 
I contacted Chase and provided proof of the merchant 's admission of negligence and fault. Despite this, and despite filling out a form from Chasewhich I found misleadingI submitted the form to a Chase teller in XXXX, NC. 
Chase has refunded 2 of the 3 charges, but the remaining {$36.00} charge remains unresolved. I believe this delay may be intentional. Additionally, Chase sent the form by mail and required its return on the same day, which was not feasible. 

I plan to request the North Carolina Department of Justice ( NCDOJ ) to forward my complaint against XXXX XXXX, XXXX, to you as well. I filed an online police report against XXXX XXXX It was rejected because theft by deception complaints have to be taken by phone and not submitted online. I have been informed that XXXX XXXX has a background in banking, which might explain her ability to avoid accountability. 
Chase has all the necessary information to process the refund for the remaining charge. Please ensure that the {$36.00} refund is issued promptly. This request also aligns with the American with Disabilities Act ( ADA ), as timely resolution is crucial for me. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX goes by the names XXXX XXXX and XXXX XXXX. The emails associated with her accounts are XXXX, XXXX ( XXXX XXXX ) and XXXX Also please note XXXX XXXX has refused to remove me from email list despite unsubscribing and emailing her numerous times to remove me off her email list. The latest email was on XX/XX/year>. It included the sentence " I've been dying to tell you all about it! ". When I sent an email to NC DOJ including her and informing them of the continued emails she text me twice on XX/XX/year> at XXXX and XXXX. The numbers that show up on my cell phone from her is XXXX and XXXX XXXX  should not be contacting me by phone, email, text, etc. 

Please refund the last {$36.00} immediately. Chase has all information. I also want to highlight XXXX 's service online was intentionally misleading to think it was just one charge of {$36.00}. 

I also saw a XXXX and XXXX when ordering online. 
I was charged 3 times for a total of {$100.00} In a follow up email to XXXX XXXX after numerous following up with no response she responded the service was 3 payments of {$36.00} or one fee of {$150.00}. 

This made no sense.
Product: Debt collection

I sent a request to validate this account I have no knowledge of on XX/XX/2016 and I never heard back from them with an original invoice supporting these alleged charges as requested. This is a violation. I will file suit in small claims court if not removed immediately by AR Resources. I also have proof ( recordings ) that they continued to call me at work after I requested them not too verbally and in writing. They have reported this alleged and unsubstantiated debt to XXXX, XXXX and XXXX which is has caused damage to my credit.
Product: Debt collection

Transworld Systems has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Hey hope all is well, I viewed my credit report on XX/XX/scrub>XXXX the purpose of this letter is the fact that there is inaccurate and out dated information on my credit file. I ask that ALL incorrect or outdated information listed below and may not be stated here be removed and updated to the information given in this letter.I have seen over XXXX derivatives of my name and over XXXX incorrect address. I have also attached all identification documents required for identity verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy has been removed from all 3 credit reporting agencies as it was 10 years old, however, I had a consumer statement pertaining to bankruptcy and this statement should have been deleted once the bankruptcy is deleted. 

XXXX did not remove this statement and I believe that Equifax and XXXX did not remove the consumer statement as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my account that is not only false it is NOT mine I have NEVER signed a contract with this agency I was NEVER contacted about this collection either! It is being reported that this is an open account for the amount of {$320.00}, BUT this is a collection this is a violation of my rights, also In accordance with the fair credit Reporting act XXXX Account # XXXX Security credit service, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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

Account reports 30 day late payment for XX/XX/2019 and XX/XX/2019. 
XX/XX/2019 payment was made XX/XX/2019. 
XX/XX/2019 payment was made XX/XX/2019.
Product: Credit card

I am writing to explain the situation regarding the unauthorized charges on my credit card account that I encountered in XX/XX/year>2023. 

Upon reviewing my statement, I noticed several charges totaling nearly {$3200.00} that I had not authorized to my Bank of America credit card. Concerned about these transactions, I promptly contacted my credit card company and spoke with a representative named XXXX in their fraud department. I explained the situation to her, and she assured me that she would cancel my old card and issue a new one. I inquired if there was anything further, I needed to do, and XXXX confirmed that there was not. She provided me with a case number ( # XXXX ) for my reference. 

However, after our conversation, I did not receive any follow-up communication from Bank of America XXXX Subsequently, I received a letter from Bank of America acknowledging my inquiry about potential fraudulent usage on my account. The letter stated that the unauthorized attempts were deemed unsuccessful, which raised further confusion on my part, as I was still being charged for those transactions. 

In my effort to resolve the matter, I contacted the Bank of America again to clarify the discrepancies in their letter. I reviewed each disputed charge with them, but did not receive a satisfactory response. To my surprise, I later received another notification indicating that my credit limit had been reduced from {$12000.00} to {$4000.00}, attributed to my account being past due. I explained that my inability to make payments was due to the disputed charges not being mine, but this did not seem to alter their assessment. 

Regrettably, three weeks later, my account was shut down, leaving my balance unchanged and the issue unresolved. 

I appreciate your attention to this matter and hope for a prompt resolution to the unauthorized charges and the impact they have had on my account. 

Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contract Equifax to order a report freeze. I have tried their website which results in a blank white page. Trying to contact them at XXXX results in a telephone tree which claims that I have non existant open credit accounts and then puts me on " hold '' or bounces me to a long spiel about everything except how to request a credit freeze. I have tried contacting Equifax for several days and still get either a blank white page or a pointless telephone tree.
Product: Credit card or prepaid card

In late XX/XX/2021 our phones and internet service with XXXX failed to work. We spent 2 weeks trying to get the problem fixed. It was not fixed so we cancelled our service. After dealing with XXXX for several weeks on various charges they notified us on XX/XX/2021 that there would be no more charges, then on XXXX XXXX I was charged {$270.00} which was my typical monthly charge. On about XX/XX/2021 I called Synchrony Bank and explained the problem. I was told to fax and fax only, the copies of documents. I did on XX/XX/2021. After not receiving any reply I called in mid XXXX and was told the documents indicated to be not in my favor. I contacted the Massachusetts AG about XX/XX/2021. On XX/XX/2021 I received a notice that the AG office opened my case # XXXX. Today I received a notice from AG office that Synchrony Bank was not responding and referred me to you..
Product: Student loan

I received a federal student loan. It was in deferment for Covid... I though it was still in deferment and got a call from a debt collector saying my loan in in default and sold to collection agency. Loan servicer is trying to tell me that it was a private loan. I never signed any documents to change or consolidate any of my student loans. My other student loans are through XXXX and doing just fine, all {$45000.00} of them. The agency telling me that they were private loans is AES ( aessuccess.org ). Aes said they will send me original documentation on original loans dispersed in 2007. I will follow up once these documents are received. I have never had any trouble with placing these loans on deferment. They have been placed on disaster area deferment before as well, when we lived in XXXX during Hurricane Harvey.
Product: Checking or savings account

Someone used our login information to gain access to Wells Fargo online portal and initiate 2 wire transfers and 4 XXXX transfers within a 3-day period XXXX XX/XX/20 to XX/XX/20 XXXX, before we were able to " catch '' it. The 6 transactions in question were for a total combined amount of {$7000.00}. My wife and I opened a case with Wells Fargo Fraud department, who performed an initial analysis, and denied the case, because our credentials were used.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found fraudulent accounts, this affects my credibility in obtaining credit, please I need to remove these accounts from my report
Product: Credit card or prepaid card

Citibank XXXX doesnt get tired of me they closed all my accounts credit cards for no reason they are horible with me hang up one me their credir department is very rude this bank has to be investigated and shut down because if I apply for a card and they approve me they immediately will close all my accounts because of new accounts which makes no Sense since Ive had most of them for a while they hate me and I hate them they dont like me discriminate against me refuse to help I hate this bank go get them shut down invesitgated for what they do is illegal
Product: Credit reporting or other personal consumer reports

Upstart Loans Team* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Member XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had a loan with tUpstart Loans for XXXX years, in XX/XX/scrub>XXXX XXXX XXXX XXXX  reported me to the credit agencies as 30 days late. I was set-up for autopay. I called to ask why this happened, they said the payment declined, I then then paid the account off, the entire balance of {$4500.00} from the same account they claimed declined. 

After paying the loan off, Upstart XXXX XXXX reported me 30 days late again and will not update my credit profile to paid I also filed disputes with the credit reporting agencies. 


I have the payoff letter and can provide screenshots of my credit report and emails between me and Upstart XXXX
Product: Credit card

opened an account back in XXXX XXXX and filed a Chapter BK in XXXX and in XXXX its was discharged and cleared the amount owed, and as of today it has re-appeared in my credit report as high limit balance of XXXX and past due of XXXX and this was reported in XXXX XXXX it has significantly hit my credit as I applied for a re-finance and was turned down do to this derogatory its from CHASE # XXXX
Product: Debt collection

My Payment due date is on the XXXX of every month, due to pay periods not lining up I have had to pay on the XXXX of the month. Conns home plus will start contacting the day after due date and continues to call all numbers provided starting at XXXX calling multiple times a day. Today XX/XX/2023 I have received XXXX calls to my mobile phone and XXXX calls to my work phone. Last month I received nearly XXXX calls within a 4 day period. This is harassment and shouldnt be allowed.
Product: Credit card

On XX/XX/2024, in reviewing my Bank account, there was a charge for XXXX with my debit card. XXXX preferred payments is PayPal XXXX XXXX and not my Debit Card. PayPal made a decision regarding defective/damaged items chemically treated which made it unwearable. PayPal XXXX XXXX collect funds for certain companies and collect addition funds to process in their favor.
Product: Credit reporting or other personal consumer reports

Citizen one has charged out my account # XXXX. XXXX XXXX XXXX is the collection agency that is now attempting to collect. The creditor is still reporting the sold collection as an owed debt on my credit report. This debt has been written off as a profit loss. 1099-c form was denied XXXX XXXX,2024 creditor admitted to charge off. FCR 1681-2a balance is still reporting negatively with balance from creditor.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information reported inaccurately on my credit report. According to my latest credit report from XXXX, this agency has reported some discrepancies, including my payment history, which I believe violate my rights under 15 U.S. Code 1611 regarding the willful and knowing reporting of false information. 
Upon reviewing my credit report, I noticed the following errors : Payment History : I PAY all my bills on time ( I have bank statements to prove you wrong in court ) Creditor Name : XXXX XXXX  Nature of Discrepancy : The account is reported as " POTENTIALLY NEGATIVE, '' despite being PAID in FULL and closed. 
Creditor Name : XXXX XXXXXXXX Nature of Discrepancy : Discharged Account being reported as past due Creditor Name : XXXX Nature of Discrepancy : The account is reported as " POTENTIALLY NEGATIVE, '' despite being PAID in FULL and closed. 

Creditor Name : XXXX XXXX XXXXXXXX Nature of Discrepancy : This account is unverified. It doesnt belong to me. 

Creditor Name : XXXX XXXX XXXX Nature of Discrepancy : Unverified account. This is not my account. 

Almost everything they have reported about me is a LIE, and this has caused me to lose money. I have proof that I have always paid on time and receipts for the account they are reporting negatively. I have also noticed that they are reporting collecting from 10 years ago.