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

Subject : Dispute of Inaccurate Information and Unlawful Actions by XXXX XXXX  XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding their persistent reporting of inaccurate information on my credit report and illegal activity with my XXXX XXXX account XXXX XXXX Despite having previously disputed these inaccuracies with XXXX XXXX directly, as acknowledged in their email dated XX/XX/XXXX, the errors persist, and the bank has engaged in additional unlawful activities. 

On reviewing my account statements for XXXX and XX/XX/XXXX, I discovered that XXXXXXXX XXXX has erased these statements from my account, a clear violation of my rights and illegal under the Fair Credit Reporting Act ( FCRA ). This obstructs my ability to monitor my financial transactions and is unacceptable. 

Moreover, XXXX XXXX is reporting a XXXX missed payment in XXXX and a XXXX missed payment in XXXX, both of which are inaccuracies. I have evidence of a payment of {$2100.00} made in XXXX and {$370.00} made in XXXX. It is clear that XXXX XXXX  has failed to update their records accurately and is misrepresenting my payment history. 

Furthermore, XXXX XXXX erroneously charged off my account in XX/XX/XXXX, even though payments were being made. According to the law, a charge-off can only occur after XXXX  days of non-payment. XXXX XXXX XXXX premature charge-off is not only a violation of my rights but also indicative of their disregard for legal and ethical standards. 

In light of these egregious actions, I am including evidence of these illegal transactions and demand compensation of {$1000.00} for each illegal transaction committed. I also insist that XXXX XXXX rectify the inaccurate reporting on my credit report, updating the account to " paid as agreed in full with no late payments. '' If XXXX XXXX is unable to correct this information, I request the immediate removal of the account from my credit report.

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX  for their violations. I appreciate your prompt attention to this issue and look forward to a resolution that upholds consumer rights. 

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

Discover Bank Account # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to report a violation of the Fair Credit Reporting Act by XXXXXXXX XXXX XXXX This creditor has re-aged an account on my credit report, which is a violation of the FCRA XXXX This account should be removed immediately from my credit report. The creditor has reported an account that was closed in XXXX as being open, reported and active in XXXX. This is a clear violation of the FCRA, as it is illegal for creditors to report inaccurate information about accounts that have been closed or paid off. 
Reaging an account is a violation of the Fair Credit Reporting Act ( FCRA ). This act states that creditors must not report inaccurate information about a consumer 's credit history. Reaging an account involves changing the date of delinquency on a consumer 's credit report to make it appear as if the debt is more recent than it actually is. This can have a negative impact on a consumer 's credit score and can lead to higher interest rates or even denial of credit. 

I have included documentation with this letter to prove that the account was closed in XXXX and should not be reported as open or active on my credit report. I request that this account be removed from my credit report immediately and that any negative impact it has had on my credit score be reversed. 
Thank you for your time and attention to this matter.
Product: Debt collection

-called and set up payment arrangement XXXX XXXX XXXX XXXXXX/XX/year> I was getting paid to a different account -called XX/XX/year> to ask if payment had been returned to provide new payment information, was advised no -called XX/XX/year> to ask if payment has been returned to provide new payment information was advised no XXXX I had to make arrangements to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called my place of employment while I had the day off to XXXX  my pet dog and told my co worker who she worked for and was calling from with the specific number for XXXX They were able to simply look up what this company was and the phone number provided. 
This call was recorded by my place of employment since it was an inbound call. 
XXXX I have made several attempts to contact XXXX XXXX who will not accept my calls to request them to not call. 

They broke FDCPA and violated my rights as a consumer.
Product: Credit card or prepaid card

First Progress Cards are PREDATORY LENDERS. This card was advertised to me through XXXX XXXX. I applied for this secured credit card on XX/XX/XXXX. I made a {$500.00} payment to them in exchange for {$500.00} worth of credit. The initial email said that if approved I would receive my card within 7-10 business days. On XX/XX/XXXX I received an email stating that they needed more documentation in order to approve my application, which is CRAZY. I have numerous credit cards, a few of which have limits in excess of {$25000.00}. None of those cards required me to submit ANYTHING to be approved and they are not secured cards. It is very suspicious that they would require additional documentation in order to loan me MY OWN MONEY. Well, it turns out that the the email they sent requesting more documentation does not have a link to upload the documents. There is literally no button to click on. There is no way to speak to a person. The only way to communicate with them is by writing a letter and mailing it to some random po box . I have the " thank you for your payment '' email from this company. There is no way that they should be allowed to do this to people who are already in financial turmoil.
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, but they are incorrectly reported as late.
Product: Vehicle loan or lease

XXXX XXXX XXXX, Account # XXXX I received a letter dated XX/XX/17 form  XXXX stating that I owed them {$400.00}. The letter did not provide an explanation of what this charge represented. When I called XXXX I was told that the charge represented a personal property tax XXXX paid on the vehicle after I turned the vehicle back in. I requested that they send me a copy of the Personal Property Tax bill that they paid and they told me that they would not do that. I stated that I would not pay this invoice unless I received proof that they paid this fee. They again refused saying that obtaining this proof was my problem and said they would pursue collection. I then reiterated my position and told them I would be filing a complaint with CFPB if they pursued collection. To be clear I am willing to pay this bill if I am provided with proof of payment by XXXX.
Product: Credit reporting or other personal consumer reports

Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX the necessary steps are being taken on my part to rectify this incorrect information. 

I recently disputed the presence of late payment on my XXXX XXXX account XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Credit reporting or other personal consumer reports

I recently discovered that there are multiple inquiries from your company on my credit report that I dont remember approving.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$72.00} to my Kohl 's card and at that time I set up {$50.00} reoccurring payments as I have on all my credit cards. At the time I set up the recurring payments I only had a {$69.00} balance. On XX/XX/XXXX I was hospitalized with XXXX and stayed in the hospital 5 days. During my time at the hospital my Kohl 's payment came due. However, Kohl 's never deducted the funds from my bank account. 
I stayed off work sick for approximately a month, on XX/XX/XXXX I received a bill from Kohl 's for {$140.00} and when I looked at my statements, I realized the auto pay never processed. I immediately called Kohl 's and paid the balance in full. However, the payment was over 30 days delinquent because Kohl 's system did not automatically deduct my payments as requested. 
Kohl 's then reported my delinquency to the credit bureau. Upon further review of my statements I realized that Kohl 's not only reported my delinquency they charged me {$73.00} in fees which was more than my balance, due to their system not honoring my request for auto payment. 
I called Kohl 's and spoke with one of their agents and requested they remove the 30 day delinquency from my credit bureau and they declined to due so. 
I would like for Kohl 's to remove the derogatory credit delinquency from all three of my credit bureau 's. I'm willing to take the monetary loss.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I am writing to formally request the immediate and permanent removal of the following accounts from my credit report, as they are adversely affecting my life and financial well-being. 

As per Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts removed from my credit report. these accounts do not comply with the reporting guidelines outlined under the section, and their continued presence is causing significant harm to my financial stability and personal life.
Product: Debt collection

This was a plate error, they fix it and apparently this was solved on time
Product: Debt collection

On XX/XX/2023 I Was Checking My Credit Report & Noticed An Unknown Account From XXXX XXXX Account Number XXXX With A Balance Of {$2000.00} I Immediately Contacted ALL Credit Reporting Agencies To Dispute This Account After It Was Marked As Verified Without Conducting A Full Lawful & Proper Investigation & Sending Me A Hard Copy With A Detailed Description Of How This Account Was Verified XXXX Is In Violation With FCRA & Owes Me {$1000.00} For Damages Caused & Now Has 15 Days To Complete A Proper Investigation & Delete This Fraudulent Information From My Consumer Report After Receiving This Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made several attemps by sending dispute letters to all XXXX credit bureaus regarding enquiries and negative items on my credit reports. As of today XX/XX/2023 most of these accounts and enquiries are still showing on my credit report. Please remove them asap. I am having difficulties accessing any funding or even getting a job because of this issue. 

I need these companies to remove their accounts from my credit report immediately : XXXX XXXX XXXX in the amount of {$46000.00} XXXX XXXX XXXX  in the amount of {$18000.00} XXXX XXXX XXXX. closed account XXXX XXXX XXXX XXXX XXXX- charged off XXXX XXXX XXXX. closed account XXXX All XXXX XXXX XXXX XXXX XXXX  loans accounts for {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} And also the enquiries on my credit report aswell, XXXX  deleted theirs but the other XXXX bureus did not. 

thank you
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent a letter to experian asking them to investigate account XXXX XXXX account # XXXX. The tracking # XXXX I received a letter from experian saying that the information was accurate. 
i just recently looked over my account XX/XX/XXXX and noticed the information is still reporting inaccurately. The credit reporting agency is not reporting accurate information on the report. The dates are different the amounts are different and the report is not a 100 percent accurate. 

USC 15 1681 i Expierian did not do a proper investigation of this account and did not up hold law and lied on a official documents saying they did something they didn't do. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE, CONSENT TO, NOR BENEFIT FROM THE FOLLOWING INQUIRES, BLOCK AND REMOVE THEM. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XXXX i requested a validation of letter concerning the validity of this alleged debt. They failed to respond. I am aware of FCRA and FDCPA law. This agency is in violation under 15 USC 1692 G and 15 USC 1681. I am requesting the removal of this account. XXXX and XXXX already deleted this account. ONLY EQUIFAX has failed to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit bureau was pulled by  XXXX   XXXX  Co on both   XXXX   and   XXXX   I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern.I would like to demand removal of these items. This issue has been infecting me. Im not able to get approved for anything.
Product: Credit reporting or other personal consumer reports

The debt collector who does not adhere to FDCPA regulations must be promptly removed from my credit report. This complaint revolves around XXXX Credit Bureau 's failure to validate the debt despite XXXX requests from me. They have exceeded the XXXX timeframe required for validation. This clearly indicates their use of unauthorized access to my credit report and disregard for proper procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ANDXX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS
Product: Credit card or prepaid card

This is regarding my Chase Sapphire Reserve Card that carries a {$520.00} annual fee. 

On XX/XX/XXXX I redeemed XXXX Ultimate Rewards Points for a hotel booking at a XXXX XXXX. I then checked into the hotel on XX/XX/XXXX and was charged the full amount of {$230.00}. 
I called Chase the very next week and they assured me that the credit would be coming to me in a week or so. They said the merchant needs to reverse the charge, which seemed odd to me that they wouldn't give me conditional credit right away after seeing the mistake.

I did not see any credit for another week or two so I called back again and they said " it can take awhile ''. Now I was really concerned because I didn't have much trust in the merchant reversing this charge and I was already at a point where i needed to pay for this as my statement was due -- it was not a charge I was accounting for.

I then called back at least three more times in the following three months and I eventually was transferred to the escalation team. They said they passed it along to the travel team but nothing had been done yet. On the last call, I was put on hold as they tried to contact the travel team but was on hold for about about 10 mins so I just hung up.

Clearly, there was no action taken to address my issue for several months, and I would have thought that they would have procedures in place to give customers conditional credit while they address the credit rewards issue like this.
Product: Debt collection

I have had insurance since i was younger. I do not owe any medical debt and have tried numerous times to get this removed by contacting the collection agency, and the 3 credit bureaus. Still nothing. Time after time and they won't remove something that is not mine.
Product: Credit card

My credit card failed to folIow its own procedures in a dispute about a fraudulent {$650.00} charge by a third party hotel reservation website. See attached XXXX document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a breach. Why should I have to put my sensitive information out there to get monitoring. It was not my fault it was Equifaxes. They should automatically monitor the accounts affected without the consumers doing anything to get it done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I've contacted the FTC and my local police and I'm doing this on my own behalf. Dep ed/XXXX, dept of ed, and XXXX. Please have these removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a {$900.00} credit limit with XXXX XXXX  store care and they are denying they did it on their own but at the behest of Transunion my credit limit was reduced to {$270.00} almost as soon as i made a {$600.00} payment. I haf a couple late payments due to contracting Covid-19 twice, and I made payments and brought my account current and paid the bill off and they did this to me. My credit score was impacted negatively by over 200 points and I believe they are practicing race motivated discrimination. I did not have real estate when i got the credit in the first place and they are saying that is the reason for the reduction. That is not a valid reason. They refuse to remove incorrect fraudulent information and insidiously institutes a redline when it comes to me leveraging my ability to purchase using credit.
Product: Debt collection

Mj Altman agency has been reporting a medical debt on the credit report for years. There is an incorrect date of delinquency, and they have NEVER provided validation of the debt. This has been disputed multiple times- at least annually. The company continues to repollute the credit report and change the date of delinquency to extend credit bureau reporting in violation of FCRA. Several years ago, I received a bill that was past due for some kind of XXXX. I called the doctor office as I had never been there for service, and they said they believed the bill might belong to my father, as he has the same name. Again, makes no sense as he has XXXX, and I had an XXXX at the time that paid 100 % of XXXX fees. In either case, there would have been no balance due. Then shortly thereafter the account appeared on my credit bureau. I disputed the account, and the creditor provided no verification. This is impeding my ability to obtain a mortgage, damaging my credit and violating the law.
Product: Credit reporting or other personal consumer reports

I've identified discrepancies on my credit report relating to 15 USC 16c-2. The inquiries listed were not authorized by me, and this incorrect information is hurting my credit score. Kindly remove all unauthorized hard inquiries. Thank you!