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

XXXX account : XXXX  Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

I have never had any outstanding accounts with XXXX, I have never owed any payments to XXXX, I see that this is affecting my credit history and the illegality of reporting erroneous information is against the law As a lawyer specializing in financial law. 

I am here to inform you about the illegality of reporting erroneous information in a person 's credit history, in accordance with current legislation in the United States. Specifically, the reporting of inaccurate information in the credit history is regulated by the Fair Credit Reporting Act ( FCRA ), which was enacted in 1970 to promote accuracy and fairness in credit reports. According to this law, consumers have the right to have their credit reports contain only true and accurate information. The FCRA establishes that : The inclusion of erroneous or incomplete information in credit reports is prohibited. Consumers have the right to dispute the accuracy of any erroneous data and to have such information corrected within a reasonable time. Obligation to Correct : If information contained in a credit report is found to be incorrect, the information provider must correct it immediately. If a dispute arises over incorrect information, the credit agencies must investigate the dispute within 30 days. Damages : If erroneous information is not corrected and causes harm to the consumer, the consumer is entitled to compensation for the damages incurred. Similarly, the Code of Federal Regulations ( CFR ), in particular Title 16, Part 660 of the FCRA, establishes sanctions for companies that do not comply with the standards of accuracy in the information reported. In short, it is illegal to report erroneous information on a person 's credit report in the United States, and any action that violates the rights of consumers in this regard is subject to the sanctions stipulated by the Fair Credit Reporting Act. If you believe that incorrect information has been reported on your credit report, I suggest that you immediately contact the appropriate credit reporting agencies and exercise your right to correction under the terms established by the FCRA. Here is the item I am asking you to verify as accurate : XXXX account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and its Credit Bureau Disputes Dept. closed both of the credit card accounts listed below and sold them to Portfolio Recovery Associates LLC. 

XXXX XXXX credit card closed by XXXX  on XX/XX/XXXX. 

XXXX XXXX credit card closed by XXXX  on XX/XX/XXXX. 

Portfolio has removed both accounts from the credit report under the " Collections " section but XXXX still shows this account as delinquent under the " closed account " section of my credit report. 

I called XXXX regarding the concern and I was told that they were unable to provide any information on these closed credit card accounts as it pertains to them being removed from my credit report, although they removed the XXXX XXXX XXXX account which was in dispute. 

I advised that all credit card accounts listed needs to be removed as they're still looking like outstanding items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX inaccurately reports as a debt from a creditor XXXX XXXX XXXX. 

I have never conducted business with either of these companies and requested documentation with my signatures which stated I had any type of transaction with these companies but have failed to receive them. 

The companies have placed this on my credit file and it is inaccurate.
Product: Checking or savings account

I made purchases from a merchant XXXX on XX/XX/23 & XX/XX/23. Neither of these were received by me. Once I reported this to the merchant I couldnt get any assistance from them so I went to my bank, Chime, to dispute the charges one for {$110.00} & {$91.00} respectively. I have called countless times to the bank Chime and the merchant as they both continue to point fingers at one another. I was asked to wait until XX/XX/23 to get my money back to allow the bank time to investigate which would be acceptable if the merchant hadnt already admitted fault and tried twice to process a refund. When I disputed the charges with the bank the representative haphazardly reported my card lost or stolen despite my saying that the dispute was surrounding a purchase where merchandise wasnt received and the merchant was unable or unwilling at the time to refund my money. Had the bank representative correctly categorized my claim Id have been refunded by now, two months later. In the subsequent time the merchant has recognized the error and admitted it in writing and attempted to resolve it but the bank, Chime, has yet to refund my money even with two different emails from said merchant admitting they were at fault. Im at my wits end with the back and forth calls and run around Im given from the bank and they continue to site this mythical investigations team, who can not be spoken with, that is to make the decision. Needless to say they denied the initial dispute citing they found no evidence of my claims validity even with the evidence from the merchant directly. The cascading failures of this bank confirmed to fall in my lap and I simply want my money back so I can end our relationship while trying to avoid litigation.
Product: Credit reporting or other personal consumer reports

XXXX showed two reports from Progressive Mgmt Systems relating to alleged debts owing to XXXX XXXX. I disputed these accounts in XX/XX/year> and they were removed. Now they are back once again, the same entries. 
One account was paid and as to the second, I requested details which were not given. These are also alleged as medical debts and should not appear in any event.
Product: Debt collection

WE HAVE BEEN ON DO NOT CALL REGISTRY SINCE XX/XX/2003. WE CONTINUE TO RECEIVE SPAM CALLS FIVE OR SIX TIMES A DAY. PLEASE MAKE IT STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  SC XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concerned, I sent in a dispute letter to XXXX and Experian around XXXX XXXX to removed negative accounts and inquiries that 'was opened fraudrulently, they never responded back I'm also was a victim in the XXXX  databreach on the attachments i attach the dispute letter that i had sent to both companies also in email showing that i was affected on the XXXX data breach..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a valid FTC report to Equifax, XXXX  and XXXX. XXXX  and XXXX  immediately fixed the problem, but Equifax has not responded at all. This is frustrating as I am very responsible with my credit. The account does not belong to me and should be investigated and removed.
Product: Debt collection

I have disputed previously disputed with a different collection agency. The company was unable to validate this debt. They indicated that they would reach out to the original creditor an obtain a copy of the itemized bills. They were informed that an itemized bill is not an acceptable form of validation. The account was account removed. The account is now with a new collection agency. The account was placed back on my credit report.. This is NOT my account. This is the reason that the debts can not be validated. Please remove from all 3 credit bureaus ASAP. Changing the collection company should not place this account back on my credit report since I previously disputed it, won my dispute and the account was removed. Account number XXXX
Product: Credit reporting or other personal consumer reports

Complaint Regarding Incorrect Address and Name Spelling on Credit Report Dear : Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding inaccuracies present on my credit report, specifically pertaining to my address and name spelling. The information provided in my credit report is erroneous and does not accurately reflect my personal details. 

XXXX. Incorrect Address : The current address listed on my credit report is [ Incorrect Address XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX Forum XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ], which is not my residential address. This discrepancy could potentially lead to misunderstandings and complications in financial transactions. My correct residential address is [ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Texas XXXX ], which I have provided consistently to financial institutions and credit agencies. 

XXXX. Name Spelling Error : Furthermore, my name is misspelled on the credit report. My correct name is [ XXXX XXXX XXXX ], but the report lists it as [ XXXX XXXX, XXXX XXXX, ]. This misspelling not only undermines the accuracy of the report but also creates confusion and may impact my creditworthiness. These inaccuracies are concerning as they could adversely affect my ability to access credit and financial services. I have taken the necessary steps to ensure that accurate information is provided to credit reporting agencies, yet these errors persist, reflecting a systemic issue that requires attention. I kindly request that the CFPB investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I would appreciate guidance on how to prevent similar issues from arising in the future. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paid {$2000.00} ( XX/XX/XXXX ) for a property rental to a Chase Bank account customer XXXX XXXX XXXX Account No : XXXX Routing No : XXXX. The Chase bank customer was not the owner of the rental property and was confirmed by local authorities as a criminal/fraud. Upon my discovery of the fraud, I immediately contacted my bank to inform them of the criminal activity. My bank charged me {$110.00} for a routine recovery request and contacted Chase. Chase 's response was there were insufficient funds in the account for the recovery. 

Chase Banks failure to have adequate policies and procedures in accordance with the Bank Secrecy Act ( Anti-Money Laundering Act ) has resulted in a financial loss of {$2000.00}. Local authorities have confirmed this criminal has repeated this transaction on multiple occasions. Chase 's lack of compliance with Customer Identification and Know Your Customer standards has directly resulted in a {$2000.00} financial loss.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Listed below are the Accounts that are being challenged XXXX XXXX - Account Number:XXXXXXXX My parent has the same name as me. 

XXXX XXXX - Account NumberXXXX Please investigate and delete from my credit report. 

XXXX XXXX XXXX  - Account NumberXXXX Why is it that you are the only one reporting that this account has late payments? Remove inaccurate reported late payments update to paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

I've ask that the credit reporting agencies do a proper investigation verify any signature and everything relating to these acounts.I have rights under the fair credit reporting act that says inaccurate information shouldn't be on my credit report. Please do a proper investigation into this matter. And remove this incorrect information from credit report. 

XXXX paid/closed XXXX XXXX acount charged off XXXX XXXX XXXX services account charged off XXXX XXXX XXXX  total XXXX closed XXXX XXXX XXXX XXXX account charged off XXXX XXXX {$180.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX companies that have reported false information XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX I am uploading proof that I never owned these accounts I applied for a home on XX/XX/XXXX XXXX I was approved then these accounts were added and they denied me XX/XX/XXXX my move in date now I need these accounts removed so I can try and get a place to stay XXXX XXXX XXXX XXXX XXXX XXXX are unauthorized accounts and are a violation of 42 U.S code subsection 12203 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : -, XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX  XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance {$530.00}, XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$110.00}, XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This morning, I discovered accounts on my credit report that are completely inaccurate, and I dont understand how this happened. I check my report often, and nothing like this has ever occurred before. I refreshed my browser multiple times, hoping it was just an error, but the accounts didnt go away. Please, Im pleading for a detailed review of the documents Ive provided to fix this once and for all so I can stop worrying about it.
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 enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : [ Report Number ] ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : Collections and Charge-off Accounts : ACCOUNT NUMBER AND FRAUDULENT INQUIRIES : DATE OPENED XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$620.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$590.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX o Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX  XXXX o Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$460.00} o Status : Derogatory ( Charge-off ) Fraudulent Inquiries : XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX XXXX XXXX Credit Cards - XX/XX/XXXX XXXX. XXXX Personal Loan Companies - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. I have called the bureau several times reporting these fraudulent accounts on my report, and XXXX has not wanted to give me a solution to this problem, which has severely affected my ability to acquire a new house for my children. These collections were removed and not verified by other bureaus. I do not understand how you can say that these accounts are mine, so I demand that you send me all the documentation proving that this information is accurate. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them.
Product: Checking or savings account

I am writing this letter because i am extremely dissatisfied and dissappointed with the services of Wells Fargo. I feel as though my complaint was handled inadequately and my rights were grossly violated by the service rep, XXXX. I have been a customer with Wells Fargo since XXXX and have continuously maintained a good standing with them. On XX/XX/XXXX, I submitted a dispute and took the extra step of filing a complaint with the various regulatory agencies such as CFPB, FTC, CFTC, SEC, State Attorney General, and XXXX. On the same day, I received a notice that my account would be closed without any legitimate explanation. This leads me to believe that the investigation was not conducted correctly. 

Furthermore, I called on the XXXX to file another dispute because someone had disconnected my phone and I was able to get into my applications since I had double verification with my phone and the customer rep ( XXXX ). However, XXXX was extremely rude and treated me disparagingly. He did not explain the details of the dispute and merely provided me with a claim number ( XXXX ) before abruptly ending the call. 

I am appalled by the lack of customer service I have received and feel that my rights have been grossly violated. I would like to request that my account be reinstated and that I be given a proper explanation as to why my account has been closed. I would also like to request that disciplinary action be taken against XXXX for his inappropriate behavior. 

I look forward to your prompt response. 

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXXXXXX {$5100.00} ; XXXX XXXX XXXX  {$720.00} ;