23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

To whom it XXXX concern, This account was disputed and resolved in XXXX and shows activity dated on XX/XX/XXXX which has decreased my XXXX XXXX. The dispute initiated from my credit report showing late payment hasn't been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Locked out of my credit reporting websites for months and had to create a account to finally get a hold of my credit reports and I find A numerous load of incorrect filings on my report. 

The first account : XXXX XXXX XXXX amount : {$4600.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. 
The second account : XXXX XXXX XXXX amount : {$880.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. This is a fraudulent loan not opened by me. 
The third account : XXXX XXXX : amount : {$1200.00} since XX/XX/XXXX this is a fraudulent account that was opened by my mother. I have No dealings with this account and should not be on my record. 
The fourth account : XXXX XXXX XXXX : amount : {$610.00} since XX/XX/XXXX again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The fifth account : XXXX : amount {$68.00}, reason I have No idea what account this is, I never opened an account with them and dont know what this is. 
The sixth account : XXXX XXXX reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The seventh account : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. Amount : {$330.00} Reason :, this is a fraudulent account not used by me. I dont Even live in Georgia. This is not my debt. 
The eighth account : XXXX. reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
I also have hard inquiries that are fraudulent and were not used by me nor opened by me. 
Fraudulent Hard inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I have Also filed yet another report for identity theft on all accounts.
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. 

XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXXXXXX 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 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 XXXXc # XXXX These accounts have 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. 

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 7 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

I switched my XXXX XXXX account from personal to business & had everything transferred but the debt collection agency is saying I owe on the personal account but the items they are saying I owe I pay for monthly on my business account that is in good standing with XXXX
Product: Credit reporting or other personal consumer reports

DISPUTE XXXX XXXX DISPUTE WASNT INVESTIGATED DISPUTE XXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILEDXXXX. XXXX XXXX XXXXXXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXXXXXX XXXX  WASNT INVESTGATED XXXX DISPUTE FILED XX/XX/scrub>XXXX XXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXX XXXX XXXX  WASNT INVESTIGATED
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016, hard inquiry listed on credit report without knowledge ( Chase Auto )  XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a dispute with XXXX  and XXXX  to remove an account that is paid from XXXX XXXX. The response was account was " verified '' and would show remained. I called and submitted again on XXXX and was told the same thing. I explained that it was paid and provided the document that was paid and that it should be removed because it was still showing as a negative item on my credit profile. No change. 
On XXXX I submitted a disputes with XXXX, Transunion, XXXX   to have unauthorized inquiries removed. Again I was met with the " verified '' statement. I resubmitted again on XXXX and the same answer. I called and asked if they could send me who they verified these items with and I have yet to receive a response.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - phone was stolen at XXXX XXXX and {$390.00} was transferred out of account through XXXX by unknown party. Phone was ditched and later found. 

XX/XX/XXXX - fraud complaint filed with bank after researching what my actions should be XXXX - bank has claimed unusual activity and has frozen all my remaining money and after contacting them, closed my account. later has denied the claim.
Product: Credit reporting or other personal consumer reports

In XXXX, I. XXXX got back, I realized my auto payments had not been being paid. I called Santander consumer and the said it was charged off. However they said I could get caught up and start making payments again and then it would be ok. So I paid my back owed and have been paying off the car for last four years. I finally paid car off and received my title. However on checking my credit report I saw that it still was showing as a charge off and a balance still owed. I disputed it through XXXX and just saw that my dispute was done so looked at the changes. The only thing that changed was the balance and that is still wrong there is no balance due but it says there. And it still shows charge of for last 4 years. Nothing reflects the fact that I got caught up with the months I was behind and paid my payments for last four years and that I have title and full ownership of this vehicle now. This is not fair credit reporting. In other words even though it was brought up to them the mistake they still refused to properly fix it and intentionally reported false info saying I still owed on it as of XX/XX/XXXX. The car was payed of last year in full. I hope I've worded this in a way that fully explains how wrong this was of them. If you need anything else please let me know if I missed anything. I need this to reflect the fact that even though I did miss those payments ( not intentionally ) I did make good on them and then continued on to pay the car off. That's what any future creditors should see.
Product: Credit reporting or other personal consumer reports

Complaint Against : XXXX XXXX Issue : Inaccurate Late Payments & Right to Rescind Loan Agreement Description : I am submitting this complaint against XXXX XXXX for reporting late payments on my credit report without proper verification, in violation of federal law. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), data furnishers must ensure the accuracy of the information they report. However, late payments can not be verified solely through account statements ; actual documentation proving the validity of the late payments is required. XXXX XXXX has failed to provide such documentation.
Product: Checking or savings account

My husband 's Truist bank debit card was charged for a lot more than what was suppose to be. My husband is XXXX to XXXX. He went to a resturanut on Friday XX/XX/2023. When he paid for services the resturanut charged his card for {$920.00} instead of {$92.00} that he was to be billed. Unfortunately the resturanut did not give him a receipt after the charge. It was very busy at the resturanut that night. My husband 's XXXX was also taken for {$1200.00} at the same resturanut and was not given a receipt. My husband also misplaced his XXXX card at the same resturanut and they tried to charge that card for {$350.00}. Thankfully XXXX did not let that charge go through. Why Truist bank let this charge go through is beyond me. We don't have a single charge through our bank for so much money. We don't spend that kind of money. The resturanut is also called XXXX resturanut which makes it sound like its a casino/gambling place. It's not that at all. Gambling and casinos are outlawed in XXXX. It's illegal. I've tried to get our money back from Truist bank and canceled my husband 's card right away but I believe they didn't even try to investigate the situation. Just because we didn't have a receipt they denied us. I called 24 hours after I spoke to the bank about the fraud charge and they had already denied my claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX **Subject : ** Dispute of Credit Report and Request for Correction Violation of FCRA Section 1681o ( Civil Liability for Negligence ) Dear Sir/Madam, I am writing to formally dispute certain information reported on my credit file, and to notify you of a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which addresses civil liability for negligence in the accuracy and completeness of consumer credit information.

There has been incorrect information affecting my credit report in regards to credit cards and a recent car note. This has been present on my file for more than 2 years, which is unfairly affecting my ability to rent, or get transportationXXXX XXXX XXXX **Description of Incorrect Information : late payments, missed, payments. 

Upon reviewing my credit report, I found that the above-referenced information is inaccurate or incomplete, due to incorrect missed payments. I believe this error was the result of negligence in your handling of my credit file. 

As outlined in Section 1681o of the FCRA, I understand that you are responsible for ensuring the accuracy and integrity of the information provided. I request that you investigate this dispute promptly and correct the inaccurate information. If it is determined that negligence was involved, I will also be seeking appropriate damages for any harm caused by the inaccurate reporting.

Please provide me with written confirmation that the matter has been investigated and the necessary corrections have been made, or an explanation if you believe the information is accurate. 

I appreciate your attention to this matter and expect a resolution in a timely manner, as required by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an account with Capital one and in XXXX I paid off the balance of {$91.00} payment was due XX/XX/2018 and apparently it posted to account 1 day late XX/XX/2018. 
i was incurred a late fee XXXX plus interest which I did not realize and because there was a balance there was a payment due in XXXX plus a another late fee of XXXX.plus interest balance increased and there was a payment due in XXXX plus another XXXX plus interest. Additionally they also added a member fee of {$39.00} so now that total balance went up to {$120.00} I called to find out if this can all be clarified and taken care of after speaking to 3 different people I was told there is nothing that they can do to help me. 
I was also informed that they are on XXXX  time and they have a early cut off so even if you are paying the payment on day it's due if you pay after a certain time its considered late. I was not aware of this process and explained to Capital one rep that I did not know this. Despite this fact I am being forced to pay all these fees. 
on top of it they reported me to credit agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX **Subject XXXX Dispute of Inaccurate Account Information** **Report Number : XXXX Dear XXXX, XXXX, TransUnion, innovis I am writing to formally dispute the information regarding a collection account listed on my credit report generated on XX/XX/XXXX. The account details I am disputing are as follows : - **Account Name** : XXXX - **Account Number** : XXXX - **Date Opened** : XX/XX/XXXX - **Reported Status** : Collection account - **Amount Past Due** : {$1800.00} as of XX/XX/XXXX I have several concerns regarding the accuracy of the information reported in relation to this account, which I believe could negatively impact my creditworthiness. 

# # # 1. **Inconsistent Balance Information** The report states that the account has a past due amount of {$1800.00}, while also indicating a balance of {$0.00}. This discrepancy raises questions about the accuracy of the data being reported. If the account shows a past due amount, it should not also reflect a balance of zero. I would appreciate a detailed explanation regarding this inconsistency, as it is critical for me to understand how this account is being reported.

# # # 2. **Lack of Agreement** I would like to clarify that I have never entered into any agreement, verbal or contractual, with XXXX regarding the account number XXXX. I do not have any knowledge of this company or its claims against me. Under the Fair Credit Reporting Act ( FCRA ), it is illegal to furnish inaccurate information or to slander my creditworthiness without proper cause. 

I request that XXXX show a contract bearing my name and signature in agreement to repaying {$1800.00} for money that XXXX loaned me. If they can not provide such documentationsuch as a promissory note, security agreement, or any valid contractthen I ask that you remove this account from my credit report entirely. 

# # # XXXX. **Cease and Desist** Furthermore, I demand that XXXX cease and desist all collection activities related to this account. I will not tolerate any slander of my creditworthiness or the use of distasteful collection tactics. If they continue to report unverified information, I expect it to be removed from my credit report and to follow the proper legal channels regarding debt collection. 

# # # 4. **Request for Documentation** In accordance with the Fair Credit Reporting Act, I formally request that you provide me with all documentation related to this account. This should include any correspondence, agreements, and verification of the debt. I believe that this documentation will clarify the inconsistencies and support my position regarding the inaccuracies on my credit report. 

# # # Conclusion I appreciate your attention to this matter and look forward to your prompt response. Please inform me of the outcomes of your investigation within the 30-day period mandated by the FCRA. I expect to receive confirmation that this account has been investigated and corrected or removed based on your findings. 

Thank you for your assistance. 

Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

GoodLeap is financing a project completed by XXXX XXXX. I have shared with GoodLeap that XXXX XXXX used deceptive practices to sell a product that can not provide the services that were offered. GoodLeap has opened up a case against XXXX XXXX earlier this month, but since 2022, I have been attempting to get this issue resolved with XXXX XXXX while being held accountable to fulfil my contractual/loan obligations to GoodLeap. The services offered/sold were never provided due to XXXX XXXX XXXX lack of knowledge regarding solar policies in Georgia. I was locked into a contract from a system sold/installed by XXXX XXXX which was to supplement my utility bill, but failed to do so. Once I made XXXX XXXX aware that the system was not fulfilling its obligations, they informed me " towards the end of last year XXXX XXXX and the whole state of Georgia changed the way they buy back solar due to some kind of laws/policy which we have no control over. They use to buy back solar power at a higher rate than they do now. '' Meaning if proper research would have taken place, XXXX XXXX 's sales rep. would have known of a change that took place a year earlier. Evidence of this message is available if needed. Being that the system XXXX XXXX install is not capable of fulfilling its obligations, there is no way I should be obligated to have to fulfil the XXXX loan I am currently responsible for with GoodLeap. I am currently paying for the system that is being financed as well as the utility bill that was not supplemented.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX United States Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report : 1. 
Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX day timeframe. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I go to check my credit on XXXX XXXX and I realize I have this medical bill in collections. I don't remember ever receiving a bill or notice of some sort. I don't even remember what I was at the hospital for or even if i was there. I go to a credit repair company and maybe a month later and it is off my credit and my credit is raised some points. I am happy and content. As I check my credit again about maybe a month later and it is back on there and my credit drops again. I call the debt collection agency and ask to speak to someone to remove it but they can not remove it. I'm not even sure if this is mine but the balance was low so I paid it in full but they told me they can not remove it off of my credit and only say it was a paid collections.
Product: Debt collection

XXXX XXXX / XXXX / {$570.00XXXX XXXX XXXX / XXXX / {$8000.00} XXXX  XXXX XXXX / XXXX / {$0.00} XXXX OF XXXX / XXXX / {$5700.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, XXXX has refused to remove a Fraulent account XXXX XXXX XXXX. I have previously submitted fraud reports ... im asking this account. r removed immediately under The Fair Crwdit Reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. 

Both XXXX and XXXX have already rectified the inaccuracy of these accounts on my report. Therefore, I kindly request that you take immediate action to update these erroneous accounts. A written confirmation of the correction would be greatly appreciated. Additionally, assurances were given over the phone that the accounts would be promptly updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX