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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove this inquiry from my credit report 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX , GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXXXXXX  Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , NY XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

THE FOLLOWING INQUIRYS WERE FRAUD. ALL COMPANIES WERE CONTACTED AND CONFIRMED. BUREAUS REFUSED TO REMOVE. THIS IS HURTING MY FINANCIAL CREDIBILITY AND CONSUMER REPORT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding XXXX Account ( Acct No. Ending XXXX ) & Request for Verification of Charge-Off Date To Whom It May Concern, I am writing to formally dispute the reporting of the XXXX ( XXXX ) account, Account No. ending in XXXX, on my Equifax credit report. Despite multiple attempts to rectify this issue, Equifax has failed to accurately reflect the correct status of this account, even after I provided documentation of the agreed-upon settlement and payment schedule. 

Your response states : " This creditor has verified to our company that the current status is being reported correctly. The prior payment history on this account has been updated. The balance of this item has been updated. Historical account information was updated on this account. The following fields have been modified : Closed Date, Scheduled Payment, Past Due, Actual Payment, Balance, Additional Information, Account History, Historical Account Information. '' However, I challenge the accuracy of the charge-off date reported. The settlement agreement was reached prior to the charge-off being listed, and I require verification of the exact date of charge-off and contact information at Synchrony In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting : Written proof from XXXXXXXX XXXXk ( XXXX XXXX of the precise date the charge-off occurred and person contacted with contact details : ie email or phone number. 


Any internal notes, memos, or records reflecting Equifax communication with XXXXXXXX XXXX regarding this account.
Product: Checking or savings account

For about a week, my bank, Ally Bank has held a negative balance of XXXX in my account for no apparent reason. I tired to call the bank and tell them twice, but both times i was told they would check it out and make a case and i would be contacted again if needed. Nothing has changed in 3-4 days since i contacted them. My account is still negative. I have not gotten an explanation for this and whenever i try to talk to customer service the wait time is ridiculously long every time. There is no way i owe this much or have a negative balance at all. Im getting extremely fed up with this bank. Bad customer service as well as terrible mobile banking experience as ive been locked out of the app many times and only way to get access back is to call and wait 30-55 mind every time, its unacceptable.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify or delete accounts that aren't reporting correctly. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. XXXX the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Debt collection

Ownership of my account was transferred XX/XX/XXXX. Per our agreement with XXXX and according to their Change of Ownership Contract all balances must be paid prior to transferring ownership of an account. 

I was wrongfully charged from XX/XX/XXXX- to XX/XX/XXXX for an account that was closed.
Product: Credit card or prepaid card

Hello I had subjected my social security number and my credit scores to have a card with target and I had been using the card and then I paid the card off. All of a sudden I received a threatening letter from target saying I better use my card or they will close out my account. So I emailed them well customer service and said that is not fair and I had my credit jeopardized for this. So they ended up closing my card in XX/XX/2019 and I saw my credit report and it stated that that closed account has a negative impact on my credit score and report. I should not have to subject myself to financial distress for something that I dont need or want at that time. I have other credit financial responsibilities and I am not going to be forced to make credit card charges that I dont want to. That is the same thing as credit fraud or theft. Them making me make charges that I dont consent or agree to make to have their credit services and I am thinking about legal consultation. I have another credit store card snd it has been paid off longer then target and they have not done anything like that and they are a HIGH END STORE. I got no response from the second email asking why they really closed my dang account
Product: Checking or savings account

On XX/XX/2021 Citi froze my account without any notice. They refused to give me any information in regards to the debtor. After hiring an attorney and doing research we were able to find the debtor. After going to court and getting a court order Citi bank received a copy of the court order on XX/XX/2021. As of today XX/XX/2021 this court order has not been proceed by the bank and the funds have not been released. Everyone Ive spoken to in the branch as well as over the phone has not had any answers. I also provided the same court order as the debtor and they both have went unanswered by Citi Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached letter from XXXX XXXX, dated XXXX. This item should have been removed from my Experian, XXXX XXXX and XXXX credit report. I/Experiian  contacted XXXX XXXX by phone questing why hasn't XXXX sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at XXXX and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Says I work for books a XXXX never worked there
Product: Debt collection

I have sent several requests to XXXX XXXX multiple times to validate the debt. Most recently, I sent a letter that they received on XX/XX/XXXX and a follow up letter they received on XX/XX/XXXX. Ive not received an adequate response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Vehicle loan or lease

I need help with a car loan I believe was misleading. Here are the details : Loan Start Date : XX/XX/year> Lender/Dealership : Lexus XXXX XXXX APR : XXXX  % Monthly Payment : {$670.00} Payoff Amount : {$28000.00} Term : XXXX months These terms seem excessively high for my financial situation. I tried getting explanations from the lender/dealership but didn't receive satisfactory answers. 

Can you please help me resolve this issue? 

Thank you,
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Subject : debt Request for Cancellation of CashCall Loan, as well as for this loan to be removed from all three of my credit reports and any negative information placed by Cashcall. Account : XXXX I am writing to request the cancellation of my CashCall loan, due to violation of California Assembly Bill 539 ( AB 539 ). AB 539 enacted the Fair Access to Credit Act operative XX/XX/XXXX. The Act states that for any consumer loan with a principal amount of at least { {$2500.00} } but less than { {$10000.00} }, a finance lender may not receive charges at a rate exceeding annual simple interest of 36 % per annum. My loan with CashCall has been at 135 % for the original loan amount of { {$3100.00} }. Then was placed at 79 % which still exceeds by double the legally allowed interest rate in California. An attorney directed me to this newly enacted legislation. I have made payments that far exceed the amount that can be collected at the 36 % interest rate currently in effect in California. Current State of Payments to CashCall as of XX/XX/2020, I have made 20 total payments : 7 monthly payments of { {$350.00} } 5 payments of { {$280.00} } 3 payment of { {$200.00} } 3 payments of { {$97.00} } 1 payment of ( {$500.00} ). Total of payments = { {$5400.00} } According to an email I received from XXXX XXXX, a manager at Cashcall, I still have 43 payments at {$200.00} remaining, which totals an additional amount of {$8900.00}, even though my loan was only for 47 months. Maximum legal payments according to California AB 539 : 36 % interest rate for 48 payments. My payments have satisfied the maximum legal amount that can be collected in California for this loan. I have contacted Cashcall on several occasions to ask them to bring my loan interest rate into legal compliance with California rate of 36 %. However I have been unsuccessful. I have attached my original loan of 135 %, I have also attached my current loan of 79 %.
Product: Money transfer, virtual currency, or money service

I began using Zelle and tried to send money for an item I purchased. I made a mistake on the other partys number, and ended up sending the amount to the wrong individual. After trying to retiree my money with no success, I found out through research that I could not get my money back once it is sent. I never received any kind of message to warn me of this and received no help to get my money back. I was very upset and disappointed with Zelle.
Product: Bank account or service

Wels Fargo ripped me off for {$7.00} to cash a {$200.00} check.
Product: Money transfer, virtual currency, or money service

I have been a long-time customer of Bank of America ( for more than two decades ). As I have fully relocated out of the United States, I wanted to transfer the remaining funds ( US {$580.00} ) from my BoA account to my foreign account and close down the account. I spoke with BoA customer representatives to get assistance, and they explained that they could not close the account until the transfer was completed, which was understandable. The agent assisted me with doing the online transfer and I kept a copy of the transfer confirmation. Late last night ( XX/XX/XXXX ), I received a message from BoA stating that the transfer was cancelled, without any explanation, except saying " for more details, please contact Bank of America Customer Service by calling XXXX " When I went to the BoA website to log into my online account, I got an error message stating that online banking is not available to you at this time. I called the XXXX number, but was unable to get any real help or answers. Because I no longer live in the US, I no longer have the mobile number that was associated with my account for them to send me a code, and they claim there is NO other or alternate way to authenticate me, unless I show up in person to a Bank of America branch with two forms of ID. Therefore, they can not even access my account or speak to me about this issue, even if I provided my account information, debit card and PIN number. I've had some follow-up calls with them, including with their Fraud department, and they also could not help for the same reason. I still have NO idea why the transfer was cancelled and am in a conundrum because without any way to authenticate, they offer no other solution. This is frankly, unacceptable. They made no effort to try to contact me otherwise to discuss this matter or to request I contact them. It appears that they just shut down my account and blocked my access and are holding onto my funds. One agent suggested contacting the Bank of America office located in XXXX, XXXX, but they seem to be only a corporate office rather than a branch. I will endeavor to do that, but again, I am not sure if they will even be able to help me. I find it unacceptable that they refuse to offer any alternative method of authenticating someone in a situation like this, particularly under these circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX