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

I am writing to formally dispute inaccurate information that appears on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete credit reporting. I believe the following item ( s ) to be erroneous : Creditor/Company Name : XX/XX/XXXX Account Number : XXXX Inaccurate Information : Monthly Payment : XXXX and XXXX report {$4700.00}, while Equifax shows {$4700.00}, creating discrepancies in my financial obligations. 
Number of Months ( Terms ) : XXXX and XXXX list 564 months ; Equifax inaccurately lists 0. 
Date Last Active : XXXX : XX/XX/year> ; XXXX : XX/XX/year> ; Equifax : missing date altogether. 
Two-Year Payment History : XXXX and Equifax show 120 days late in XXXX and XX/XX/year> ; XXXX does not report these delinquencies. 
Comments : XXXX : CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. 
Equifax : XXXX XXXX XX/XX/XXXX 
XXXX : No comments reported. 
Legal Bases for This Dispute 15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information Under 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies ( CRAs ) must reinvestigate the disputed information within 30 days of receiving this notice.

The CRAs must also forward all relevant information regarding my dispute to the furnisher, as required by 1681i ( a ) ( 2 ).

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy CRAs must follow reasonable procedures to ensure that information in consumer reports is as accurate as possible. Reporting conflicting or missing data ( e.g., different monthly payments, missing dates, varying delinquency histories ) violates this requirement. 
15 U.S.C. 1681s-2 Responsibilities of Furnishers Furnishers ( in this case, XX/XX/XXXX) must not furnish information if they know or have reasonable cause to believe it is inaccurate ( 1681s-2 ( a ) ( 1 ) ( A ) ) or if the accuracy can no longer be verified after proper notice from the consumer ( 1681s-2 ( a ) ( 1 ) ( B ) ).

15 U.S.C. 1681i ( a ) ( 5 ) Correction or Deletion If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, it must be promptly corrected or removed from my report.

15 U.S.C. 1681i ( d ) Notification of Results CRAs must provide me with the results of the reinvestigation and a revised credit report if any changes are made. 
15 U.S.C. 1681g ( a ) Disclosure of Information I have the right to request all documentation used in verifying the accuracy of the disputed items.
Product: Credit reporting or other personal consumer reports

From XXXX until XX/XX/XXXX, I endured a challenging period in a domestic abuse relationship that lasted multiple years. During this time, several financial accounts were opened in my name without my consent, leading to significant financial distress. In light of these circumstances, I was forced to declare bankruptcy in XXXX, which has further complicated my efforts to rebuild my credit. 

As I work diligently towards my goal of purchasing my dream home, I find myself hindered by these accounts that stem from a situation beyond my control. Therefore, I am respectfully requesting the removal of the following accounts from my credit report, as they are tied to a litigation process that is unrelated to my actions. 

Here are the specific accounts in question : XXXX. **Account Name : ** XXXX XXXX XXXXXXXX XXXX 
**Account Number : ** XXXX **Account Type : ** Line of Credit **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX XXXXXXXX Number : ** XXXX XXXX Type : ** Secured Card **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX XXXX Number : ** XXXX **Account Type : ** Auto Loan **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX Number : ** XXXX **Account Type : ** Note Loan **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX XXXX. **Account Name : ** XXXX XXXX XXXX Number : ** XXXX XXXX Type : ** Cell Phone **Responsibility : ** XXXX XXXX Opened : ** XX/XX/XXXX I am sincerely asking for your understanding and forgiveness regarding these issues, as I am making every effort to rectify my credit situation. The burdens associated with these accounts are significantly obstructing my path towards financial recovery and homeownership. Thank you for considering my request.
Product: Consumer Loan

have an auto loan with Santander Consumer usa. got behind in payments. example : say missed XXXX XXXX and XXXX XXXX payments. on XXXX XXXX when i make the XXXX XXXX payment, they do not apply the payment to principle and interest as if the payment were ontime. it is my understanding, if i only pay enough to cover the payment ( not enough to cover and late fees or extra interest that may have accrued ) the payment has to be principle and interest as if on time ... only if monies above the total of payments late can be applied to late fees and or additional interest accrued. one such payment i made, when there were XXXX full payments of {$450.00} each overdue, a payment of {$590.00} was completely applied to interest. i believe this to be in violation of the truth in lending act.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) | to support my identity theft claim. Under 15 U.S.C. 
1681c-2, when a consumer files an identity theft report, credit reporting agencies must block any information that the consumer identifies as a result of the identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : account name : XXXX XXXX XXXX, number : XXXX date opened : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, at which time I can request an extension of the block. During the block, you will not be able to report that it no longer contains fraudulent information. Several times I have called the bureau reporting these fraudulent accounts on my report and Experian XXXX and XXXX have not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these charges were eliminated and not verified by other bureaus I don't understand how they usually say that these accounts are mine, that's why I request that they send me all the documentation to verify that this information is true. I have applied for contracts with this company with my information and for over 60 days I have not heard back from them, please help me delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries, as they were made without my authorization and I lack any relevant information.
Product: Credit card

I have a credit card by Avant based in XXXX, IL. I found some purchases after my card was declined. I spoke to Avant who removed the charges during their investigation. They were then put back. I received no notice as to why or even an update. I then called Avant and they told me to call the fraud department. After going back and forth between avant and what turned out to be a third party company, I found that the " fraud department '' isn't actually that. They just lock the card then send a notice to avant who then investigates. I have been told to speak to admin who was in charge of my case but no one will get me to him. The " fraud company '' said they would escalate the matter twice. I have charges pending still and have not heard anything back from anyone and it has been two weeks. Bills are coming due and I refuse to pay for items that are not mine. At this point I would even get rid of the card due to this irresponsibility to assist a card member.
Product: Credit card or prepaid card

I mailed my payment for the month of XXXX, 2022 and my payment was returned from the Post Office as ( RETURN TO SENDER, NOT DELIVERABLE AS ADDRESSED, UNABLE TO FORWARD ). I never paid attention to the letter as I thought it was some kind of junk mail, but after I realized that my check had not been cashed I immediately realized that it was the payment for my credit card. I immediately made the payment using Bill Pay from my checking account and called my credit card company ( Union Bank ) to report the problem. I explained the scenario to them and requested that they remove the 30 day late reporting from my credit report. I also offered to send them the returned mail from the post office but they assured me that they would remove the negative reading from my account. I called them back in a few days and they told me that they had already sent me the letter verifying the removal of the late payment. Since I did not want to wait for 30-60 days for the credit reporting agencies to remove the late payment I initiated a credit bureau dispute with the credit agencies myself. A few days later I got an email that the investigation was complete. As I checked the results I saw that the negative item was still present. I decided to call Union Bank again and this time I was advised that they had never told me that they would remove the late payment reporting and noted down the incident details to pass on to their management.
Product: Credit card

I canceled a VISA card issued through Banco Popular because they are impossible to deal with including issues such as : you ca n't pay the credit card on line unless you have a checking account at Banco Popular, the wait time for their 'help ' line is always in Spanish first even though you press the number for English, and the wait time on the customer service lines is at least 20 minutes and many times up over one hour and many times they cut you off before finishing the call resulting in multiple calls. 
So, i canceled the card and destroyed the card as they indicated in the letter that I should. I still had a balance on the card so the following month I go up on line to access the bill so I can go to the local Banco Popular to pay it as I had to do every month and lo and behold they have shut off my on line access. After two days and many hours on hold I finally talk with someone and explain I still need to access the account. They refuse to let me do that because I have 'canceled the card ' so they 'canceled my on line access '. So i tell them to send me paper bills. They send one XX/XX/XXXX and none this month. Today I went into local Banco Popular bank and have the branch manager call them to access our account. She was on hold over 30 minutes and then they told her wrong department, transferred her!!! and that line said it was an estimated wait of one hour! So she gave up and said there was nothing she could do!!! Is n't it my RIGHT to get a billing statement every month?
Product: Payday loan, title loan, or personal loan

OneMain Financial reported my payments as late to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was not late because I made a payment within 30 days. I called and spoke to someone at OneMain and they informed me that my payment was late from XXXX, but my loan was under modification from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : Final Demand with Law Verification and Cease-and-Desist Request XXXX Report Number : XXXX Date of Report : XX/XX/year> Dear Experian Dispute Department, This letter serves as a final demand regarding the ongoing dispute and request for the removal of inaccurate information reported on my XXXX credit report ( Report Number : XXXX ). I am requesting that this issue be handled without the use of e-OSCAR, and that each items accuracy is verified according to the standards set forth in the Fair Credit Reporting Act ( FCRA ) and relevant laws. 

Cease and Desist Request Please cease all reporting and communication of inaccurate information to any third-party entities until this matter is resolved. I request immediate removal of the disputed item ( XXXX ) to prevent further harm to my credit profile. 

XXXX of Dispute Result I request written confirmation of the verification process for each disputed item, along with any documentation or evidence reviewed in making the determination. Additionally, should the disputed information remain on my report, I request a clear explanation of the verification method and results, as required by law. 

Failure to comply with this demand XXXX result in further action, including reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies for damages. 

Please send a formal response to this letter within XXXX business days of receipt. I appreciate your prompt attention to this matter. 

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

To Whom it may concern..

Law 15 U.S. Code 1681i ( 5 ) - Procedure in case of disputed accuracy.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

Acima again claims that the disputed information on these accounts : Company : Acima Digital FKA Account number : XXXX were verified but still contain inaccurate, unverifiable information. According to Acima, the information is correct and accurate and their position remains the same regarding my first and second investigation of the accounts described above. I tried to correct the information twice but I still see obvious errors in my credit report. 
I have paper evidence included in this letter showing that Acima ( YES ) has errors in their reports and the information is not accurate or precise Acima has violated 15 U.S.C. Sec. 1681i ( a ) of the consumer rights multiple times and is still reporting inaccurate and different information to XXXX Acima claims that the account was closed in XX/XX/XXXX and that is false information, the account was closed in XX/XX/XXXX. I present the proof of that. 

Acima not report the day of closing of the account, that information is incomplete and not verified. Also present proof of that Under the law 15 U.S. Code 1681i ( 5 ) I demand the immediate deletion of the account mentioned in this dispute, I have questioned Acima multiple times about the accuracy of these accounts and Acima has not been able to correct the errors,,, the law 15 U.S. Code 1681i ( 5 ) stipulates that after reinvestigating an account disputed by the consumer ( me ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be removed immediately. 

I demand that my written evidence in this disputed be reviewed and that Acima delete the account at XXXX and enforce the law 15 U.S. Code 1681i ( 5 ) Nota : All errors noted in the evidence are underlined in red. 

Att : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Item # XXXX : I dispute XXXX XXXX XXXX XXXX XXXX {$0.00}, account XXXX. The company did an illegal Repo as explained in letter also sent. Complaints was filed with the FTC, State of XXXX and the XXXX. 
The account was never past due and should not have been repod. The customer even sent bank information that his account and bank account had been hacked during that time. The bank blocked me from making any payments online XXXX month prior to SO CALLED REPO. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. This account has been removed by XXXX and I attached proof.. Per Section XXXX of the Fair Credit Reporting Act, I have a right to be notified of debt and given XXXX days to dispute. You have not followed that and not allowed me to do so prior to positing to credit report. 

Item # XXXX : I dispute XXXX XXXX XXXX XXXX Acct : XXXX. This account was paid off in XXXXXXXX XXXX XXXX, I have documents from XXXX to prove this car was sold. This account should not be a charge off. 
This account is now showing a XXXX balance but is showing still as a charge off. Showing XXXX months as charge off. XXXX XXXX reversed a payment over $ XXXX then post account in negative, which is against the fair reporting act.. Per Section XXXX of the Fair Credit Reporting Act, I have a right to be notified of debt and given XXXX days to dispute. You have not followed that and not allowed me to do so prior to positing to credit report. 

Per Section XXXX of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider XXXX days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone open XXXX loan accounts XX/XX/year> Balance {$320.00} XX/XX/year> Balance {$160.00} After receiving multiple alerts from the credit agency, that my credit score were compromised, I called the company XXXX XXXX and request information about the accounts. 

The company allegedly states that the account does not exist on their end. However it is on the credit report.
Product: Debt collection

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX on my credit reports that I have an account open with there company I have never had a account with XXXX XXXX fair credit XXXX says they must provide me all information on this account including address purchases made dates amount phone number history if this can not be verified then this must be deleted from credit reports
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXX AMOUNT {$9200.00} XXXX AMOUNT {$26000.00} XXXX  AMOUNT {$540.00} XXXX AMOUNT {$380.00} XXXX AMOUNT {$0.00} XXXX AMOUNT {$0.00}
Product: Debt collection

I received many phone calls from this company security credit systems in regards to a student loan account from XXXX College, I sent letters spoke with XXXX on the phone, I also faxed over the information that this account in under the us department of education, and that I am paying a monthly fee to XXXX who currently has this account, but the phone calls continue, I wish to have this account updated to reflect that this account in fact is being serviced by XXXX, and that payment are being made in a timely fashion
Product: Checking or savings account

Approximately one month ago XXXX XXXX XXXX, I received several emails from Bank of America stating a new account had been opened in my name that I did not request. I immediately contacted the Bank of America fraud department and after being redirected to call multiple different numbers I was able to speak to someone who could close the accounts and resolve my issue. After resolving the issue with Bank of America I placed a credit freeze on my account and followed all of their recommendations regarding identity theft. I was told by the fraud department representative that they would freeze any activity regarding my social security for their bank but I also should contact all of my personal financial institutions as well as sign up for a freeze in XXXX to freeze any future activity at other institutions. I completed all the recommended steps and today almost exactly a month later, I received a new set of emails from Bank of America similar to the emails from last month however the account number was different. I again contacted Bank of America and was shuffled around to different departments until I finally reached someone who could help me. After providing some verifying information the agent confirmed that a new account had indeed been opened in my name and that there had in fact been 3 attempts to open accounts in my name over the last month the previous 2 were denied however somehow this one was approved. I explained to the agent that I was assured that my information was protected at their institution and i could not understand why this account was approved. The agent couldn't offer an answer as to why the application was approved except that fraudsters are persistent and they will continue trying and sometimes they are able to get through. After a total of an hour, I was able to get the account closed and was again assured that my information was on high alert and secured in their systems from future activity, however, after these previous incidents I'm not confident in their ability to prevent this from happening again to anyone else.
Product: Credit reporting

I tried to get my free credit report online I had to answer questions about stuff that is in my file and only i should know the answer i could n't answer because the questions were about a mortgage loan and payment I 've never had a mortgage loan and payment it also asked me about a jewelry card I have a card but not from the choices