23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 Compliant accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX XXXX Account : XXXX Creditor : XXXX ( OC : XXXX XXXX ) - Account : XXXX  Creditor : XXXX XXXX ( XXXX XXXX ) - Account : XXXX Creditor : XXXX XXXX ( OC : XXXX XXXX ) - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Debt collection

Reason for Dispute : No doc or signed agreement with THE CBE GROUP, Account number XXXX Balance Amount : " The balance amount is incorrect.
Product: Payday loan, title loan, or personal loan

I attempted to close all of my accounts with Key Bank after they closed their local branch. I XXXX  out my accounts. They began charging maintenance fees and then taking money off of a checking plus ( credit line ) account without contacting me. They have now done this for several months and I was n't aware of any of these charges until I received a past due notice. 

I have called, the customer service rep said they would contact the branch to have the charges reviewed and reversed. It has been 10 day. 

My complaint is that I keep getting calls from an international service center on behalf of Key Bank. They call me on a known number with my account and then start asking me for the last 4 digits of my SS #, and when I refuse my address and DOB. There are way too many scams going on in the world for a reputable bank to be calling consumers and asking for NPI via phone. I 've told them this several times and they insist it is for my safety. I asked the one of the last CSR for her social security number, children 's names, and their DOB none of which she would provide. Point proven I thought, but then I got another call. 

Consumers fall prey to phone scams because legitimate banks use XXXX service centers and XXXX procedures for identifying customers.
Product: Credit card

I applied Chase XXXX XXXX Credit Card on XXXX/XXXX/2016. To meet to minimal spending for sign-up bonus, I used it to made purchases about {$2500.00} on the weekends. But they suspended all of my Chase credit card on XXXX/XXXX/2016. After a call to Chase Customer Protection department, they assured that I would get a phone call in XXXX 7 business days. Until today ( XXXX/XXXX/2016 ), I never get any call from them. And I already pay off all the balance in both accounts last week. I have more than {$800.00} in XXXX accounts, which I can not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amsher Collection Service # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Ma'am, On XX/XX/XXXX AND XXXX of this year, I requested a free credit report from Transunion. Both times I received a postcard that 'our records show you've already received your free credit report in the last 12 months ... ' That is untrue because the last time I requested my credit report was XX/XX/2019. Regardless of this, the FTC requires that every consumer can request a free credit report every seven days due to COVID-19. 

I would like a free copy of my credit report. I do not believe that requesting it again from Transunion.com or XXXX will work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I submitted dispute twice. Equifax agrees that multiple addresses are wrong and said that the addresses were removed. However, until today XX/XX/XXXX the wrong addresses are still on my credit report. Besides, they disagree with my dispute for the credit account and hard inquiries.
Product: Checking or savings account

I paid my car insurance using cashapp. I received a confirmation email stating that my payment was processed successfully and {$170.00} came out of my cashapp account. Now they are stating that I did not pay my insurance when I have a confirmation email.The company is saying that they cant do anything about it and I have to re-pay what Ive already paid.
Product: Debt collection

CAVALRY PORTFOLIO SERV at XXXX XXXX XXXX XXXX, AZ XXXX has been sending me collection notices in the amount of {$7.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

What would you like done .... 

I would like them to take this off my credit report and do not try to put it back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts on my credit report I do not recognize
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account XXXXXXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Forster & Garbus sent a letter to me regarding a balance for {$840.00} and now they have sent a judgement and now execution of garnishment to my employer and I wasn't properly served a letter was sent to my house saying i owed {$1100.00} where did all that money come from when the account was closed. I need some help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$15000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : ACCOUNT XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$860.00} Reason : Account is fraudulent Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX AMOUNT : 810 Reason : Account is fraudulent Account Name : XXXX. XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$650.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My attorney sent the uploaded document of the settlement reached to be uploaded on the CFPB. Section 623 requires the Data furnisher to report 100 % complete and accurate information on a consumer. Santander has willfully reported to all 3 credit bureaus inaccuracies negligently which are major FCRA violations. I am seeking immediate deletion of all credit reporting promptly.
Product: Credit reporting or other personal consumer reports

BRIDGECREST ACCEPTANCE CORP., is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( BRIDGECREST ACCEPTANCE CORP. ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( BRIDGECREST ACCEPTANCE CORP. ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. BRIDGECREST ACCEPTANCE CORP., can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from BRIDGECREST ACCEPTANCE CORP. for the cancelled debt of { { {$15000.00} } } in order to file as ordinary income. Where is my 1099-C, BRIDGECREST ACCEPTANCE CORP. is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! BRIDGECREST ACCEPTANCE CORP. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In BRIDGECREST ACCEPTANCE CORP 'S. terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of BRIDGECREST ACCEPTANCE CORP., nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A 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.
Product: Checking or savings account

Money from my stepson account XXXX XXXX XXXX was removed and alledgely transferred to my account but no transfer was ever received. 
The money that was originally sent to XXXX XXXX in the amount {$3000.00}, XXXX XXXX {$3000.00} and XXXX XXXX XXXX my step son {$4500.00} member to member transfers were authorized XX/XX/XXXX. After bank account was unfrozen we had cashiers check to close checking account. We didnt want any big money inside Navy Federal . The only readon we agreed to have monies from their accounts to be sent back to my account so I can send back to them. I dont understand why those funds needed to XXXX sent back to my account. We're currently under litigation concerning the auto loan that was lost due to Navy Federal freezing my bank account. None of those funds should be used for any debt we're currently in litigation. We paid XXXX XXXX his XXXX in person so the new member to member transfers are to XXXX XXXX in the amount of {$3000.00} and to my step son {$7500.00}. Those funds no longer belong to me and we were forced to receive them when I didnt understand why they just didnt unfreeze funds and live them with the recipients. I'm starting believe because I'm in prison my fudiciary Navy Federal just dont care about my requests. I been fighting since XX/XX/XXXX. Please help me. These complaints will help you understand plus this long recording. 
CFPB previous complaints XXXX XXXX XXXX audio from XX/XX/XXXX XXXX XXXX XXXX attached is the proof of the money being taken out of XXXX XXXX account & XXXX XXXX XXXX XXXX but no alerts were sent to my email stating the money was received. XXXX money was taken XX/XX/XXXX but where did it go? XXXX XXXX was taken XX/XX/XXXX but whete did it go? I emailed a request to have funds transferred but not sure they were actually sent to my account.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and inaccurate inquiries and aged collections on my XXXX, XXXX, & TRANSUNION credit report. According to the FCRA ( Fair Credit Reporting Act ). LEGALLY these unauthorized items must be removed. 
These are not in pursuit and do not belong to me whatsoever. I have no knowledge of these items ; 15 U.S.C 1681 B Furthermore, I have mailed verifiable information to all 3 Credit Bureaus multiple times with the intent of immediate removal. I have stated all unauthorized items on all 3 of my credit reports as well and they have REFUSED to cooperate.
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX, and Monterey Financial due to their mishandling of my timeshare contract cancellation. Despite my numerous attempts to resolve this directly with XXXX, they have refused to offer any assistance since I stopped paying them, constantly sending me to collections instead. 
My communications with Monterey Financial have also been completely unproductive. After sending formal letters disputing their collection efforts and making it clear that I will only deal with the companies involved in the original agreement, Monterey Financial has not even had the decency to respond. This has left me confused and in limbo, not knowing who is managing my account. I finally spoke with a representative at the collections agency about a month ago, and they told me there was absolutely nothing they could do to assist with this matter and they did not agree to give me cancellation options or return my account to the timeshare company. 
This treatment is not only unprofessional but also harmful. For over a year, I've made extensive efforts to resolve this reasonably, and instead of working with me, the companies involved have sought financial damages and tried to harm my credit. My request to escalate this matter to someone in management has also been ignored, adding to my frustration and distress. 
I'm respectfully asking for your assistance in resolving this ongoing ordeal. The continuous neglect and refusal to provide a solution are unacceptable, and I believe that filing this complaint with the CFPB is a necessary step to ensure fair treatment and resolution. 
Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

Case has been opened and closed, and I have yet to receive proof and documents from company as stated in letter.

According to Section 609 ( a ) ( 1 ) ( A ) states requirements including signature, and also verification as required under Section 611 ( a ) ( 7 ) Please see attached
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for failing to correct an inaccurate late payment entry on my credit report for XX/XX/2023 with XXXX XXXX XXXX XXXX ( XXXX  ). This is my second attempt to resolve this issue. 

Despite my dispute and supporting documentation, Experian has not addressed this error. According to FCRA USC 1666b, this late payment should not be reported. 

I urge the CFPB to intervene and ensure Experian corrects this mistake promptly. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

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

On XX/XX/2021 an unknown person hacked my XXXX account and took {$220.00} from my balance. Within 5 minutes they also opened a XXXX  credit card in my name and charged {$1700.00} to it. I immediately submitted a dispute for each to XXXX At that point both were still pending and could have been stopped but they never replied or contacted me. After 11 days I hadn't heard from XXXX at all so I called them. Since then, they haven't contacted me regarding the investigation to ask for documents or anything. Yesterday I was notified they are denying my claim and I will have to repay the money. I have not been provided anything pertaining to what they even did to investigate. If they checked the IP address they'd see it wasn't done by me. They are not being helpful at all.