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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Disputed Account - TEXAS XXXX XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment information reported on my credit report for the account TEXAS XXXX XXXX, with the following details : Account Number : XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX and Equifax XXXX Balance Owed : {$9000.00} ( XXXX and XXXX ), {$9100.00} ( Equifax XXXX Account Type : Unsecured Loan Account Status : Open Payment Status : Current Discrepancies and Errors : Late Payments Reported in Error : XXXX : Late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Equifax : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These late payments are inaccurate as all payments for the account were made on time, as confirmed by my records. 
Inconsistent Reporting : XXXX and Equifax report the last verified date as missing, while XXXX accurately lists it as XX/XX/XXXX. 
The reported balances for the account differ between XXXX ( {$9000.00} ) and Equifax ( {$9100.00} ). 
Legal References : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) : Credit reporting agencies must conduct a reinvestigation of disputed information to determine its accuracy.

15 USC 1681e ( b ) : CRAs must ensure maximum accuracy in the preparation of consumer reports.

15 USC 1666 ( b ) : Mandates timely and accurate billing practices.

The discrepancies in my report are a violation of the above statutes, as the late payments are unsupported by evidence and the reporting is inconsistent.

Request for Action : Correct the payment history for 08/2023, 09/2023, and 10/2023 to reflect an " OK '' status across all bureaus.

Provide a detailed description of the investigation process per 15 USC 1681i ( a ) ( 7 ), including the method and evidence used to verify the reported late payments.

If unable to verify the accuracy of the late payments, update the account status to Paid As Agreed Never Late and provide written confirmation of the correction.

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute and provide a written response. If no action is taken or the information remains inaccurate, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) for further review.

I appreciate your immediate attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm complaining AGAIN that I was a victim of identity theft with this. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, permission, or authority within four business days of receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement from the consumer stating that the information does not relate to any transactions by the consumer. 
XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3.00} ; XXXXXXXX XXXX XXXX  XX/XX/2022.
Product: Prepaid card

My mom bought me a {$200.00} Visa gift card for my birthday back in XX/XX/XXXX. Everyone would tell me to spend it and I would say no, I'm going to hang on to it because no matter what, I will always have that money. Well, in ( XXXX XXXX, remember that ), I bought a new truck and wanted to add some stuff to it from XXXX. Even though the total was more than the {$200.00} gift card, I was going to use it and just pay the rest with my debit card. For some reason, XXXX kicked it back so I paid it all with my debit card. I don't know why, but a couple of days later, I decided to check my balance on the mybalancenow.com website it was {$0.00}. I got on the mybalancenow.com website and it had two sections : My Balance and Transactions. On the My Balance, it showed where my mom purchased it in ( XXXX ), showed I used it in ( XX/XX/XXXX remember ) actually used it ( XX/XX/XXXX ), and it showed XXXX credited my card. In the transactions part, it just showed being purchased and being used. I've called the customer service every single one i could find and they keep saying I have to email XXXX. I've emailed them 6 times, never a word back. Now i cant even get an email to send to them. They are telling me I waited too long to dispute the case which, on their math, would be a 2 years. Of course, their math doesn't know how to add a credit to a debit either, so I don't know. In all reality, what happened was I used my card, the next week maybe two, I checked my balance and started all this. I can not get help on the phone, they just tell me to email the gift dispute same email i cant get ahold of, then whoever I email doesn't even write back. I just want to know first, why does the Balance Now website say in one section debit, then credit, but the other section just shows the debit. And second, I'd like to know why it says I used it in XX/XX/XXXX when I know and XXXX can prove I used it this year, XX/XX/XXXX. If someone could reach out to me at XXXX, it would be great. I just want some answers. I want to know why yall are saying I waited to long to dispute the claim. If i would have used it in XX/XX/XXXX no way I would wait 2 yeard to dispute this. I really want to know why no one will reach out to me or help me with this case. CASE # XXXX. Thank you. If your company would like for me to provide proof I will get XXXX XXXX XXXX and show you. Send letter email text phone call something would be very helpful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX DOB : XXXX Phone Number : XXXX Date : XXXX To : TransUnion Subject : Formal Dispute and Complaint - Violations of the Fair Credit Reporting Act ( FCRA ) Dear TransUnion, I am writing to formally dispute the inaccurate and erroneous information that you are currently reporting on my credit report and to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX Account Number : XXXX Account Status : Closed Original Creditor : XXXX Balance : {$84.00} Date Opened : XX/XX/year> Status : Account charged off. 
XXXX XXXX XXXX Account Number : XXXX XXXX Account Status : Closed Age of Account : XXXX months Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B : Blocking Information Resulting from Identity Theft Violation : Despite submitting an FTC Identity Theft Report, a police report, and my verification documents ( drivers license and Social Security card ), TransUnion failed to block the disputed information within four business days as required by FCRA 605B.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer as a result of the failure, punitive damages, and attorneys fees.

2. Section 611 : Procedure in Case of Disputed Accuracy Violation : Upon receiving my dispute, TransUnion did not conduct a proper reinvestigation of the disputed information within 30 days, as mandated by FCRA 611. Instead, TransUnion continued to report the inaccurate information despite clear evidence of identity theft.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

3. Double Reporting of the Same Debt Violation : TransUnion is currently reporting both the original XXXX  account and the new XXXX XXXX XXXX collection account for the same debt. This constitutes misleading and unfair reporting, causing undue harm to my credit score. 
Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

Requested Action : I request that TransUnion take the following actions immediately : 1. Block and remove the XXXX account ( Account Number : XXXX  ) from my credit report as per FCRA 605B. 
2. Remove the XXXX XXXX XXXX collection account ( Account Number : XXXX XXXX ) from my credit report as it is the same debt as the disputed XXXX account XXXX 
3. Provide written confirmation that these accounts have been removed from my credit report.

Failure to comply with these requests will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek legal advice regarding potential damages for these violations.

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

My Best Buy Visa Card had a fraudulent charge of {$2.00} for a " Best Buy Donation '' Which I never made, I called to dispute the charge. After several hours and back to forth calls and transfers making it extremely difficult to get a resolution they finally said they would look into the disputed charge. I finally received a letter in the mail regarding my fraud claim, it states that they looked into the fraud claim and they are removing the charge and interest and related fees. However, my most recent statement is still charging me for this fraudulent charge and fees and stating that it is two months late, but now the charge says a 'balance transfer '' for that fraudulent charge. I have great credit and this has now lowered my credit score down substantially. I have done everything in my power to call and resolve this with this credit card company and they are acknowledging it as fraud but not removing from my credit card and continue to call me with an automated collection. I try to call and can never get anyone on the phone to resolve this, I keep getting transferred and transferred to now one. This seems like scam that they are charging their customers and I don't no where else to turn.
Product: Checking or savings account

On XX/XX/year>, PenFed Credit Union made an authorized transfer of {$480.00} from my savings account to pay another account. This transfer left me with an available balance of {$5.00}. 
I did not authorize this transfer. This will cause my account to be charged late and/or delinquent fees for upcoming transactions. 

Complaint simultaneously submitted to NCUA Case Number XXXX
Product: Debt collection

I received a phone call on my direct line at my place of employment on XX/XX/XXXX at which time I sent them a letter via fax and USPS to cease and desist contacting me at my place of employment during my work hours. I have continued to receieve phone calls : XX/XX/2016 at XXXX XX/XX/2016 at XXXX XX/XX/2016 at XXXX I have sent them 4 notices, all faxed and then sent by standard USPS delivery. 

On XX/XX/XXXX I spoke to a woman named XXXX who verified that they had received my communications and was unsure why I was continuing to get calls. She was going to contact their IT department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} AMERIFINANCIAL SOLUTIO ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance XXXX {$810.00} DEPTEDXXXX  XXXX Balance : {$0.00} U S DEPT OF ED/XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible. In case you hold the belief that the contested items are rightfully mine, I request that you furnish me with copies of the supporting documents for your claims. If no such documents exist, it is imperative that you promptly remove the fraudulent items.
Product: Debt collection

The California XXXX XXXX has demanded payments since XX/XX/XXXX, of which, any obligations have been barred by the maximum application California Statute of Limitations of four years on a contract debt. Up until last year, XX/XX/XXXX, it sought payment, with alleged interests of 10 % on an old account, in the amount of {$4900.00}. There has been no filing of a lawsuit to which I have been served, nor can I find a record of any judgment against me in this claim.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries Dear [ Credit Bureau Name ], I am writing to formally dispute several recent inquiries on my credit report that were made without my knowledge or consent. These unauthorized inquiries are as follows : 1 XXXX XXXX XXXX - Bank - XX/XX/2024 2 XXXX XXXX XXXX- Finance/Personal - XX/XX/2024 3 XXXX XXXX XXXX - Finance/Personal - XX/XX/2024 4 XXXX XXXX XXXX  - Bank - XX/XX/2024 5 XXXX XXXX XXXX - Automotive - XX/XX/2024 6 XXXX XXXX  XXXX - Automotive - XX/XX/2024 7 XXXX XXXX XXXX - Credit Union - XX/XX/2024 8 XXXX XXXX XXXX  - Finance/Personal - XX/XX/2024 9 XXXX XXXX XXXX - Finance/Personal - XX/XX/2024 10 XXXX XXXX XXXX - Bank - XX/XX/2024 I have already reported this matter to the identity theft authority and have filed a report regarding this issue. I am concerned that these inquiries were made as a result of identity theft or fraud. 
Please investigate these unauthorized inquiries and remove them from my credit report. Additionally, I would appreciate confirmation that these inquiries have been removed once your investigation is complete. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX aka XXXX account # XXXX XXXX XXXX Bank XXXX acct # XXXX XXXX XXXX account # xxx 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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
Product: Debt collection

After filing a dispute yesterday against XXXXXXXX XXXX XXXX, my report today now has a delinquent report that was just opened from the company portfolio recovery A who XXXX sold the debt to. This is now being shown as a derogatory mark twice on my credit report. This account should not be reported twice! I initially pleaded with XXXX   to help me with interest decreases to make payments. I was in severe financial distress due to medical issues and bills. They would not work with me. The account was charged off and sent to this outside collections agency. This agency harassed me for years with upwards of 8 calls a day at times before XXXX and after XXXX. They finally stopped several months ago and the account was only showing once on my credit report as a closed charged off account from XXXX. Now it is being displayed twice, once as a charged off closed account from XXXX  and another as an open account under collections from portfolio recovery A.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax removed the address that is supposed to be on my credit report-XXXX XXXX XXXX XXXX XXXX, but kept the address that is not suppose to be on file. The incorrect address is attached to this complaint and highlighted in yellow and should be removed from my file immediately
Product: Credit reporting or other personal consumer reports

XXXX was given a instrument to discharge the debt to the irs and willfully violated my consumer rights according to : House Joint Resolution 192 - to suspend the gold standard and to abrogate the gold clause. 
18usc8 Obligation or other security of the United States defined - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks. 
31 U.S. Code 5118 - Gold clauses and consent to sue- ( a ) In this section ( 1 ) gold clause means a provision in or related to an obligation alleging to give the obligee a right to require payment in ( A ) gold ; ( B ) a particular United States coin or currency ; or ( C ) United States money measured in gold or a particular United States coin or currency. 
( 2 ) public debt obligation means a domestic obligation issued or guaranteed by the United States Government to repay money or interest.

ucc 3-311 ACCORD AND SATISFACTION BY USE OF INSTRUMENT - ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim Ucc 3-603 TENDER OF PAYMENT ( copy of rejection letter provided ) - ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
XXXX is entitled to enforce the instrument i sent them and willfully reject to do it which pursuant to ucc 3-603 makes this account of my credit report unaccurate. 

I got a letter through this case number with a pdf attached to the case. 
CFPB XXXX XXXX. : XXXX XXXX Account XXXX. : XXXX in XX/XX/2023 through pdf provided stating " XXXX XXXX XXXX XXXX does not accept promissory notes or a Form 1099A as payment and will only accept valid legal monetary instruments in the form of United States currency for payments or payoffs. '' This accepting that they got the legal instrument to discharge debt but willfully denied and pursuant to ucc 3-603 there is discharge.
Product: Money transfer, virtual currency, or money service

I've been trying to recover my paypal account. Its started when my money is on hold and i waited for many days before they returned it. I already send details for account limitation but they responded that i am permanently limited. Now i cant even convert my USD money to PHP. It always stated that " Were sorry, things dont appear to be working right now. Try again later. '' How can i convert my money and how to withdraw it? Can my paypal account limited becomes unlimited again? How? Thanks and i hope you could help me resolve my problems.
Product: Credit reporting

XXXX XXXX claims I owed them money after I returned my leased vehicle 13 months early. I dispute I owe XXXX XXXX any money because of overcharges. XXXX XXXX agreed to adjust the amount owed and I paid the amount in full the following month. I still dispute I owe XXXX any money. XXXX ( XXXX ) agreed to have my credit scores fixed after paying off the adjusted amount. I paid the disputed amount so my credit scores would be fixed and I could refinance my home loan. My credit scores are still inaccurate because of XXXX XXXX not send the correct information to the credit companies.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { Date } XX/XX/XXXX Dear { XXXX/Experian/XXXX }, Subject : Dispute of Charge-off on my Credit Report I am writing to formally dispute the accuracy of a charge-off that appears on my credit report, which I obtained from your bureau. The account information in question is listed as follow : XXXX ACCOUNT NUMBER XXXX { DATE } XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER XXXX { DATE } XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER XXXX { DATE } XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER XXXX { DATE } XX/XX/XXXX XXXX XXXX  ACCOUNT NUMBER XXXX { DATE } XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX { DATE } XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX { DATE } XX/XX/XXXX I believe this information is inaccurate and does not reflect the true status of my account was settled, paid in full, is not mine, or the reporting date is incorrect. } Under the Fair Credit Reporting Act { FCRA }, I have the right to request an investigation into this matter and ask that any incorrect information be corrected or removed from my credit report. Please investigate this charge-off and provide me with the results of your findings. If this information can not be verified, I request that it be deleted from my credit report.

Please send written confirmation that this charge-off has been investigated and the outcome of your findings within 30 days as required by law. 

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

I HAVE reviewed my credit profile for the first time and noticed I have unauthorized accounts that were not mine and I never opened these accounts also have addresses that did not belong to me or personal information. ACCOUNTS - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX