23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I signed up for an american express everyday credit card under the pretense that my balance transfer would be 0 % interest for 18 months. When I received my first bill in XXXX, I had been charged {$32.00} interest. I immediately called the company and was told it would be taken care of in 3 to 5 business days. I have since gotten my second bill from them for XXXX and have been charged an additional {$59.00} in interest. I called them again on XXXX/XXXX/XXXX And was told they would file a dispute. It is now XXXX/XXXX/XXXX, and my account still has not been fixed. This has also caused my minimum payment to go up. I have been wrongfully charged a total of {$91.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX & Transunion ; THIS PUBLIC RECORD IS INCOMPLETE AND UNVERIFIABLE! 

Not only this public record is not verifiable, but it continues to report multiple inaccuracies, and incomplete information in violation of my consumer rights. I noticed that XXXX removed it because of being unverifiable, incomplete, and with multiple inaccuracies, but XXXX and Transunion are still reporting it and claiming that it was verified. I already called the courthouse, and the clerk directed me to their website to read the guideline which said that they do not report to any credit reporting agencies. How then did you verify it.? These are some violations and inaccuracies that I was able to point out to XXXX; such as ; wrong courthouse name, wrong dock or reference numbers ; wrong filed date, etc, much much more. AGAIN, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to 1. Defamation ; 2. Negligent Enhancement of Identity Fraud ; 3. Violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Please see attached - there is wrong and incorrect Personal Information on my credit report that needs to be fixed as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number 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 or other personal consumer reports

Account is reported as a loss but has a balance and thats a violation of fcra guidelines the date last active are incorrect they are being reported differently the company reported as a loss but still shows a balance XXXX is reporting as a charge off monthly Equifax is reporting as paid as agreed but they are reporting a charge of
Product: Mortgage

We have received repetitive texts from Cardinal Financial about a mortgage inquiry. My husband owns a mortgage group so I am obviously not interested. Today, XX/XX/XXXX I received another batch of texts around XXXX p.m. consisting of XXXX ( TWELVE!! ) texts in less than one minute. Its clearly spam from the fake conversations. The name of the person was XXXX tonight but similar texts have been sent like this in the past. This is harassment. My husband will be filing a complaint through XXXX channels as well as Cardinal Financial is violating best practices as a lender.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Louisiana, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Report Entry JPMCB AUTO FINANCE To Whom It May Concern, I am formally disputing the inaccurate and erroneous reporting of an account from JPMCB AUTO FINANCE on my credit report. This account is being falsely reported as a charge-off and collection account, which is completely inaccurate, misleading, and unverifiable under the Fair Credit Reporting Act ( FCRA ).

The details of the erroneous account are as follows : Creditor Name : JPMCB AUTO FINANCE Account Status : Charged Off / Collection Balance Reported : {$34000.00} Remarks : Charged-off account, auto loan, first payment never received This account is incorrect and should be removed immediately for the following reasons : 1. Inaccurate Balance & Status The reported balance and past-due amounts are inconsistent and unverifiable. I demand strict validation of the exact amount owed, including all supporting documents. If JPMCB AUTO FINANCE can not verify this, the account must be removed.

2. Failure to Notify I was never properly notified regarding this alleged charge-off, which is a direct violation of my rights under the FCRA.

3. Unlawful Reporting of First Payment Issue The remarks claim that the first payment was never received, which suggests an issue with the lender, not my responsibility. Reporting this as a charge-off is unfair and misleading.

4. Fair Credit Reporting Act ( FCRA ) Violation As per 15 U.S.C. 1681, all reported information must be 100 % accurate, verifiable, and timely. If the credit bureaus fail to validate this account with complete documentation, including original creditor agreements, payment history, and legal proof of charge-off, this entry must be deleted immediately.

I demand that this account be fully investigated and removed from my credit report within 30 days as required by law. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for willful non-compliance with federal laws.

Please respond in writing to confirm that this account has been removed or provide legal proof of its validity. If no response is received within the legally required time frame, I will assume that the account is unverifiable and must be permanently deleted.

I have attached a copy of my drivers license, social security card, and a recent for identification purposes.

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XX/XX/XXXX XXXX MT XXXX XXXX XXXX, TN XXXX I was in XXXX data breaches Equifax and XXXX and received no compensation did not know of this, and things started getting on my report without my consent, charges I was saving my credit and was not making any purchases, I sent letters to the bureau and they did not verify anything I am writing to dispute the following information that appears on my XXXX, XXXX, Equifax report XX/XX/XXXX : XXXX XXXX XXXX Charge Card with account # XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  XXXX Line Of Credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Sales Contract with account # XXXX opened on XX/XX/XXXX and a balance of {$200.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$270.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$61.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$82.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$29.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$490.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Attached is a copy of my credit reports from XXXX XXXX and XXXX   as proof that the following fraudulent and unauthorized accounts arent my accounts listed on my Equifax credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The accounts are fraudulent and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Main address XXXX XXXX XXXX, XXXX XXXX XXXX, Ar XXXX Previous XXXX XXXX XXXX XXXX, XXXX XXXX, Ar XXXX Incorrect address are being reported. I fax information and contacted them by email Equifax .Photo and one the my 2 previous job W2 forms. That 's show address My name is incorrect and I ask all for all inaccurate mis spelling name be removed. As I go. XXXX XXXX XXXX ( previous ) XXXX XXXX as current name. I fax over information and they mess up my reporting over worse than before.
Product: Debt collection

I have sent 2 letters in the past 60 days asking for validation, that is competent evidence bearing my signature, showing that I have a contractual obligation with Coast to Coast Financial. This is violation of the FDCPA 807 [ 15 USC 1962e ], I did not receive proper validation within thirty days of my first letter which was received by Coast To Coast Financial on XXXX/XXXX/2016. I am requesting they remove my item from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX XXXX Account Number : **** Disputed Information : account #, last verified, date opened, closed date, last payment and credit limit. Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXXSection 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXXSection 611 : Right to dispute inaccuracies and request investigation. 
XXXXSection 623 ( a ) ( XXXX ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting negative information from XXXX XXXX XXXX XXXX, and XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00}
Product: Debt collection

Dear SYNCB/XXXX  ; There are different balances reporting across all the major credit bureaus. Some are reporting {$0.00} balance, and the others reporting {$1100.00} and {$4700.00}. Obviously this is invalid, inaccurate and in violations of my rights. plus i think this account is fraudulent and i have no knowledge of such account. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern and frustration regarding the re-insertion of accounts that had already been deleted from my credit report. This action is not only unwarranted but also indicative of a serious lapse in your verification and reporting processes. I am requesting an immediate resolution to this matter, along with a thorough explanation of how and why this occurred. As you are aware, under the Fair Credit Reporting Act ( FCRA ), once disputed accounts have been investigated and subsequently deleted from a credit report, they should not be re-inserted without substantial evidence and compliance with strict procedural requirements. Specifically : Verification and Notification Requirements : The FCRA mandates that any re-inserted account must be verified as accurate and complete. 

You are required to notify the consumer in writing of the re-insertion, providing details of the evidence used to substantiate its accuracy. I did not receive such notification, which is a direct violation of your legal obligations. 

Failure to Conduct a Thorough Investigation : The accounts in question were already deemed inaccurate and removed. What new information or documentation prompted their re-insertion? 

If no additional verification was provided, this re-insertion is a clear failure of Transunion to exercise due diligence in ensuring the accuracy of its reports. 

Accountability of the Bureau : It is not the responsibility of the consumer to repeatedly dispute the same inaccuracies. Your bureau has a duty to maintain accurate records and prevent erroneous re-reporting. 

The re-insertion of these accounts suggests either negligence or a disregard for consumer rights, both of which are unacceptable. 

I demand that the following actions be taken immediately : Permanent Removal of the Re-Inserted Accounts : These accounts must be removed from my credit report immediately, and Transunion must ensure that they are not re-reported in the future without incontrovertible evidence of their accuracy. 

Detailed Explanation of Re-Insertion : Provide a written explanation of why these accounts were re-inserted, including the specific evidence or documentation relied upon to justify their reappearance. 

Assurance of Compliance : Implement measures to prevent such occurrences in the future, ensuring that deleted accounts are not improperly re-inserted into credit files. 

Your failure to adhere to the FCRA 's standards and protect consumer rights has caused unnecessary harm and distress. 

XXXX XXXX XXXX  XXXX
Product: Payday loan, title loan, or personal loan

this company after i decline service put XXXX XXXX dollars on my credit report, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR. 

Instructions for Debtor You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.
Product: Credit reporting, credit repair services, or other personal consumer reports

account # XXXX XXXX XXXX is reporting inaccurate factual information on my XXXX and Equifax credit report and according to the FCRA XXXX it should be removed from my credit report. Equifax is reporting the number of months ' terms as XXXX and XXXX is reporting it as XXXX. XXXX is also reporting date last active as XX/XX/XXXX and Equifax is reporting date last active as of XX/XX/XXXX which is inaccurate information and should be deleted from my credit reports, also the date of last payment is being reported by XXXX as XX/XX/XXXX, and date of last payment is being reported as of XX/XX/XXXX which is a violation of the FCRA and should be removed immediately from my credit file. Thank You