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

This is my 14th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves a closed " derogatory '' account on my Equifax bureau report.     The original creditor,   XXXX   XXXX   XXXX  , reported a past due credit card account to the Equifax  bureau  in  XXXX . In  XXXX ,   XXXX   XXXX   XXXX   sold this account to a debt collector,  XXXX   XXXX . This account has since ( and is currently ) reported as an " open collections '' on my Equifax credit bureau report under  XXXX   XXXX .     The problem that I have is that the original   XXXX   XXXX   XXXX   account is still listed on my file as a " closed account. '' So I 'm being penalized for the same credit card account twice - once as a   XXXX   XXXX   XXXX   " closed account '' and once as a   XXXX   XXXX   " open collections account. '' It 's my understanding that this is " double jeopardy '' where I am being affected twice by one single account.     While Equifax did an initial investigation via a prior CFPB dispute, they determined that the "   XXXX   XXXX   XXXX   '' closed account as verified and it remains on my report. I am not disputing that I have a credit card collections matter with   XXXX   XXXX   XXXX  . But this matter is reported as an open account, "  XXXX   XXXX . '' Therefore, per the " double jeopardy '' credit reporting statute, the original "   XXXX   XXXX   XXXX   '' closed account should not, simultaneously, be on my report.
Product: Debt collection

This debt is being reported by the credit bureaus as being owed by me. I have sent two letters - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - to this collection agency requesting verification that the debt ( {$3000.00} ) is mine, including my signature agreeing to this debt. This collection agency responded to the first letter saying, but not providing proof, that this is my debt. The second letter has not been responded to. I am requesting that since they can not provided indisputable proof ( my signature ) that this account be removed from my credit reports and that this collection agency cease and desist from trying to collect from me.
Product: Checking or savings account

I have a checking account that was taken over from Washington Mutual Bank by Chase.This was an interest bearing account for years and be it was put into a non interest account. I have a good amount that's been in there and no interest was paid over many years. Ifeel this is very unfair I'm sure the bank is getting a yield on the funds that have been in there years,
Product: Credit reporting or other personal consumer reports

Subject : Notice of FCRA Violation Double Reporting Dear experian I am writing to formally dispute an error in my credit report caused by your organization, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, it appears that the same debt has been reported twice under different accounts or entries, which has negatively impacted my credit profile. 

Details of the Violation Upon reviewing my credit report, I noticed the following : XXXX. XXXX account : XXXX XXXX. A duplicate entry for the same debt under XXXX XXXX XXXX account : XXXX Under the FCRA, furnishers of information are obligated to ensure accurate reporting of consumer information to credit bureaus. The practice of " double reporting '' or " double jeopardy '' violates : FCRA Section 623 ( 15 U.S.C. 1681s-2 ( a ) ), which mandates furnishers to provide accurate and complete information.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which obligates credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy.

My Rights Under the FCRA As a consumer, I have the right to dispute inaccurate or incomplete information and to expect the data furnisher to investigate the matter promptly. If your organization continues to report duplicate or erroneous entries, it could lead to legal liability and penalties.

Requested Action I respectfully request that you : 1. Conduct an immediate investigation into the duplicate reporting.

2. Delete the erroneous entry from my credit report across all credit bureaus ( XXXX, Experian, XXXX ). 


XXXX. Provide a written confirmation of the correction and any additional steps you have taken to the FCRA. 


I expect this matter to be resolved within the 30 days allowed by law under the FCRA. Failure to take corrective action may result in my pursuing further remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 

Thank you for your prompt attention to this matter. Please contact me in writing at the address above if you require further information.
Product: Checking or savings account

I filed a complaint of an unauthorized transaction on XX/XX/XXXX  in the amount of {$270.00}. The results of the claim states that there was no duplicate transaction. The claim that I filed was in regards to an unauthorized transaction in which I was overcharged on my bill. The results are confusing and unclear because I never stated there was a duplicate charge. The transaction was unauthorized. I am requesting that all documentation that used in the decision of the claim be provided to me promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED THE LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am writing to you concerning the reporting practices of your agency as they pertain to my credit file, and in particular, the apparent violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) regarding consumer reports.

As you are likely aware, 1681a ( d ) ( 2 ) ( A ) stipulates that the term " consumer report '' does not encompass reports containing information solely regarding transactions or experiences between the consumer and the reporting entity. Despite this clear provision of the law, I have observed instances where your agency has included information in my credit report that constitutes as experiences, such as late payments and utilization rates.

These violations not only misrepresent my creditworthiness but also directly contravene the provisions set forth by the aforementioned statute. Therefore, in accordance with my rights under the Fair Credit Reporting Act, I am formally demanding the following actions to rectify this matter : Update all late payments on my credit report to reflect " paid as agreed. '' Remove all instances of charge-offs from my credit report. 
Reduce any utilization rates reported to XXXX. 
Failure to comply with these demands within XXXX  will leave me with no choice but to pursue litigation for each violation. Please be advised that under the Fair Credit Reporting Act, I am entitled to damages of {$1000.00} per violation, which includes {$1000.00} for each late payment reported and {$1000.00} for each charge-off reported. 

I trust that you will take this matter seriously and act promptly to rectify the violations in my credit report.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Unauthorized Inquiries : Company Name : XXXX XXXX Miscellaneous and public record- XX/XX/year> Company Name : XXXX XXXX- Miscellaneous and public record- XX/XX/year> Company Name : XXXX XXXX Miscellaneous and public record- XX/XX/year> Company Name : XXXX XXXX- Miscellaneous and public record- XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following 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 an account without my written instructions. 

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

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

XXXX : # XXXXXXXX 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 : # XXXXXXXX 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. 
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 states a consumer reporting agency can not furnish an account without my written instructions.

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: Credit card

I made a large purchase with a promotional 0 % interest using a Synchrony Bank credit card. I set up automatic payments to pay the minimum required balance each month and all payments have been made on time. There is no mention that paying that amount will not cover the required balance at the end of the promotional period, nor is there a way to pay all interest saving payments automatically. Furthermore, the bank failed to disclose when that promotional balance will expire and despite claiming to have sent email statements the information contained in emails was purposely minimal and excluded promotional period expiration date or interest charged. On their website details of promotional period expiration dates are also hidden on purpose, even though they have placeholders for where the information would go. No additional communication was received related to the promotional balance expiring. There is no way to see what communication you are receiving from the bank on their online platform. All I can see is that I'm enrolled in electronic statements. So the bank is preventing users from seeing the information regarding the expiration of promotional balances and trapping them into failing to make the final payment on the promotional balance and therefore forcing them to incur deferred interest. The promotional period has expired 2 days ago for me and I only found out because I noticed a huge increase in my outstanding balance this month.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my name was legally changed from " XXXX XXXX XXXX '' to " XXXX XXXX XXXX ''. The Social Security Administration was notified the following day and promptly updated their records. 

Throughout the month of XXXX I notified all of my creditors and financial institutions of the name change. That process was complete by mid-XXXX, and in XX/XX/2020 I began receiving statements from my creditors with my correct legal name. 

Since then, the credit bureaus should have been notified of the change via my creditors and financial institutions. However, I can not access my credit report. I am a user of the third-party credit checking service XXXX, which is how I first discovered that my credit history had disappeared. 

At the urging of XXXX 's support staff, I attempted to retrieve my credit reports directly from the bureaus via annualcreditreport dot com. I tried requesting my report using my correct legal name XXXX XXXX XXXX XXXX XXXX and all three bureaus notified me that my credit could not be pulled. I also tried using my former name XXXX XXXX XXXX XXXX XXXX, with the same results. 

As my information has been corrected with my creditors, financial institutions, and the SSA, there is no legitimate reason for my credit report to be inaccessible. My address, SSN, employer, etc. did not change, so there are no complicating factors. This was a simple name change. 

This puts me in an impossible position as I can not access my credit report to file a complaint or even determine what the problem is. Without access to my credit report I am unable to diligently and responsibly manage my finances. This is a clear violation of my rights under the FCRA. 

Furthermore, the bureaus ' inability to process a legitimate first name change disproportionately affects members of the transgender community, and is likely discrimination under state and federal laws. I am prepared to escalate this issue if it remains unresolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX. I submitted my written request for a payment histroy from XXXX. I never received this document. I received several invoices that did not include any record of payment. 

This is complaint is filed as an addendum to complaint XXXX filed XXXX. 
I have attached XXXX XXXX letter discussing their own policy regarding their credit bureau reporting during their hardship payment plan. 
I have also attached a copy of the company 's credit bureau reporting following that policy ( XXXX ). This document shows that someone in XXXX XXXX credit bureau reporting department has intentionally retroactivley changed a positive reporting to a negative XX/XX/60 late reporting history which inaacurate This is malicious reporting to the credit bureaus by XXXX done so AFTER I filed my first complaint againt this company. 
My request is that XXXX be mandated to send my payment history and to remove any negative reporting by them from my credit bureau report
Product: Vehicle loan or lease

I had leased a XXXX XXXX XXXX. I had returned the automobile on XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. The evidence of this is the official Registration Cancellation Receipt from the Massachusetts Registry of Motor Vehicles. Chase indicated that the vehicle was picked up by Chase on XXXX XXXX, XXXX, but XXXX XXXX has no record of this activity. I sent a letter to Chase indicating this and a check for the end of lease payment of {$300.00}. Chase claims that I still owe {$340.00} which represents the additional one month possession of the automobile. 

I did not possess the automobile during this time because it was at XXXX waiting to be picked up. I have written all of this in an email and sent it to Chase as well as a written version of this with a check XXXX {$300.00} mentioned above ), a copy of the plate return receipt, and the condition report provided by Chase. Chase claims that the Massachusetts Registry of Motor Vehicle Receipt is not sufficient proof that the XXXX was returned on XXXX XXXX, XXXX. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection in the amount of {$3900.00} on the XXXX XXXX partial account number XXXX, from original creditor XXXX. ( Please see page attached from my credit report. ) This account is completely fraudulent. I never have had an account with XXXX, nor have I ever agreed to open an account with XXXX. This collection is being reported in error and needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : ( XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am writing this statement on my behalf in regard to the following information on my files/bureau reports. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit files. I reported the theft to the Federal Trade Commission, CFPB, and local police authorities. I request that the following items be removed from my credit report immediately : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 XXXXXX/XX/XXXX XXXX
Product: Debt collection

I received a text message ( XX/XX/23 ) that read : Welcome to Unifin! Call us about account # XXXX  at XXXX or at https : //unif.in/act Msg & Data Rates may apply . Reply HELP for help. Reply STOP to stop. 

I have no unpaid debts and have credit monitoring which shows no collections on any accounts associated with me. The accounts with balances that I have are on auto-pay and I just checked to ensure that they still are- they are. So I believe this is a scam or an attempt at harassment. I have also not received any letters through the US mail about debt. I did not reply to the text.
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX, XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( 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 ) 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

XXXX  XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts XXXX XXXX  Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX TransUnion XXXX TransUnion XXXX XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )