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

I recently looked into my credit report and saw several inaccuracies. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT. Whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to insure the maximum accuracy of the information concerning the person about whom the report relates. Also, there's a violation of 15 U.S Code 1681i ( 5 ) TREATMENT OF INACCURATE INFORMATION ( A ) Please remove the following from said credit report immediately. 
XXXX XXXX XXXX and XXXX XXXX XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of an inaccurate and illegitimate account that continues to be reported on my credit file, despite numerous previous disputes. The account in question is still being reported by your bureaus, even though XXXX has already recognized its inaccuracy and does not report it. The fact that XXXX no longer lists this account is clear and valid proof that this account is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XXXX XX/XX/2024 I recieved a email from Home Depot / Citi about payment for account ending in XXXX. But I known that account not belong to Me, I file complaint to WA State Attorney Office and receive a repond from Citi bank with account ending in XXXX with the same amount I own them. Citi bank said they made investigation about account ending in XXXX and they report late payment to Credit bureaus, It's again Fair Credit Rporting Act. Citi bank call Me serveral times to ask Me some informations about account ending in XXXX, but I ask them send for Me all invoices & monthly statements belong 2 account ending in XXXX & XXXX but I did'nt receive yet. 
- I want to known why they report late payment to Credit bureaus when they made investigation? Violation with FCRA or not? 
- When I receive all Invoices & monthly statements of 2 accounts by email to : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAXfor Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$2500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I began doing business with United Consumer Finance, unfortunately during now and then the vehicle was in an accident and completely totaled out. I have tried to reach out to the company numerous times on my behalf, this company is claiming that I owe them XXXX. 

On XX/XX/XXXX I sent out A 1st Debt Validation Letter which was not responded to within the 30 days. 
On XX/XX/XXXX I sent out A 2nd Debt Validation Letter which was again also not responded to. 
On XX/XX/XXXX I sent out A 3rd Letter which stated that I will be seeking further legal action on this case to help me remove this off of my credit report and once again the company failed to respond back. 

Today is XX/XX/XXXX - I still have not heard back from this company that is saying I have a balanced owed of XXXX.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

On XX/XX/XXXX i received an email from my auto loan and a personal loan that i had missed a payment. My payments are automatically deducted from my Flagstar Checking account. I logged onto my Flagstar online account and it said i didn't have any active accounts associated with my name. I went that same day to my local branch and they informed me that all of my accounts had been closed on XX/XX/XXXX. They said that cashiers checks were mailed to my old address that i haven't lived in for over 3 years. The Flagstar representative called multiple people and they said they couldn't tell me why or how to get my money. Finally she said there is a number at the bank, that they can only leave a voicemail to and someone would call her back. I went back on XX/XX/XXXX and XX/XX/XXXX and they said no one had called them back. They left voicemails both of those days as well. I went back there today XX/XX/XXXX and they said they hadn't heard anything and didn't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by XXXX XXXX # XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a.

As I mentioned in my initial complaint, I have never done business with either of these companies, and the information they reported on my credit report is completely inaccurate. Under 15 U.S.C. 1681a, I have the right to ensure that my credit report is based on accurate and verified information. 

I have already disputed this inaccurate information with XXXX XXXX, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX  - Acct XXXX XXXX XXXX XXXX - XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Original Creditor XXXX Acct XXXX XXXXXXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX, 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Please make the payday apps available for loans. Pnc have a problem connecting to them
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not sign any paperwork or have any type of agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have recently been made aware that my identity was used around the same time frame. I never lived on XXXX XXXX XXXX XXXX XXXX XXXXXXXX My kids mother lived at that address. She has recently admitted to me that she opened. 
these accounts online
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear XXXX and First Progress Team, I am writing to formally lodge a complaint about an inaccurate entry on my credit report related to an account with First Progress. My report erroneously shows an active account with a balance of {$1500.00}, which does not belong to me. The only account I have ever had with First Progress was closed and had a {$0.00} balance at the time of closure. 

I have filed three disputesboth with XXXX and directly with First Progressyet this incorrect information remains unresolved. It is clear from the report that two accounts are listed under First Progress, but only one is legitimate ( the closed account ). This error has caused significant distress and has adversely affected my ability to obtain loans and other financial services. 

I urge you to immediately correct this mistake. If this issue is not resolved promptly, I will consider taking legal action to rectify the harm caused by this inaccuracy. 

Please address this matter with the urgency it deserves. 

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

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT IN A COMPLAINT ORIGINALLY ON XX/XX/2029 AND RECIEVED THIS GENERIC RESPONSE. I've sent in a request to remove inaccurate fraudulent information to all 3 credit bureaus Only two CRA that verified the information as  accurate which they did electronically, which I stated I did not want them to do, since the information will match up do to my sensitive personal data being compromised. I've called, faxed and mailed in information to support my claims but to no avail. My calls are routed to a call center outside of the USA, and they are not much help and can never locate the information I've mailed to the bureaus address. I stated over the phone and in previous letters that I am not submitted a normal dispute, I am reporting fraud, and would like the account removed. I've consulted with each furnisher in question, and they are aware, however you continue to report these accounts, no other bureaus do.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 TRANSUNION RECEIVED MY CERTIFIED DISPUTE LETTER BY US POSTAL SERVICE MAIL, BUT TRANSUNION HAS NOT RESPONDED TO MY DISPUTE AT ALL, THERE IS NO TRACE OF MY DISPUTE ON THE TANSUNION WEBSITE AND I HAVE NOT RECEIVED ANY INVESTIGATION REPORT FROM TRANSUNION< AND THE INACCURATE DISPUTED ACCOUNTS REMAIN ON MY TRANSUNION CREDIT REPORT! TRANSUNION CONTINUES TO NOT HONOR MY REQUEST OF AN INDEPENDENT INVESTIGATION OF THE DISPUTED ACCOUNTS I DON'T BELIEVE AN INDEPENDENT TRANSUNION INVESTIGATION WAS EVER DONE AND BECAUSE TRANSUNION HAS FAILED TO REMOVE THE INACCURATE ACCOUNTS THIS HAS CAUSED ME TO NOT BE HIRED BY A COMPANY THAT I REALLY NEEDED A JOB FROM, BECAUSE OF THIS HARM DONE TO ME AND FOR THESE VIOLATIONS BY TRANSUNION I REQUEST THE FOLLOWING INACCURATE ACCOUNTS TO BE REMOVED IMMEDIATELY : XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX
Product: Debt collection

I was contacted by Rapid Cash via a phone call asking for my social security number. I have never opened an account or received a loan through Rapid Cash. 

A month after the phone call, I received a letter stating that I have an account # with R.C. And have a past due amount of {$1100.00}. The letter asked me to pay within 30 days and provided a payment stub and envelope. 

I dispute their claim. I have never used Rapid Cash or received a loan through their company.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/year> XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00}
Product: Credit card or prepaid card

I had an Apple Card open for two years, used it modestly and paid on time, always. Never late, no returned payments e.t.c. One morning my account is frozen and an email stating the account has been closed. I called Goldman sachs many times to ask why the account was closed and was assured over and over again that I would receive a letter in the mail, no dice. I called again, was escalated to a senior advisor who opened a case and provided a case number, was told it could take up to a month for the investigation to complete, I was never informed on anything and attempted to call back and was told the case number didn't exist. My account is still closed and no proper reason was ever extended to me. I've read online that Goldman Sachs has accidentally closed these accounts many times and users have reported little to no success in finding out why.
Product: Credit card or prepaid card

Discover has Called me XX/XX/2018 - 5 times : XX/XX/2018 - 4 times : XX/XX/2018 - 4 times : XX/XX/2018 - 4 times ( this is Saturday ) XX/XX/2018 - 5 times : XX/XX/2018 - 6 times 1 : XX/XX/2018 - 7 times .... All and more are on my phone record through XXXX XXXX XXXX - I Missed payment this month on the XXXX and can not pay until I was paid on XX/XX/2018. Called this morning XX/XX/2018 to submit payment but asked why the are calling me so much due to a missed {$50.00} payment. Asked if the call was recorded for my sake. The employee hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am formally disputing an account that I have learned has been made, opened under my name and social security number. I did not open or apply for this account and have not authorized anyone else to do so for me. Kindly to delete this account as its harming my credit.
Product: Debt collection

Dear DISCOVER BANK ; not mine account. I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection. 
1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Checking or savings account

On XX/XX/2019 @ XXXX my debit card was used at a XXXX in Arizona . I do not live in Arizona. I have never been to Arizona. I did not make this purchase/rental. I have contacted XXXX and my bank, Bank of America. They both have done their fraud investigation and have decided to charge me {$74.00}. Somebody please help me. I have nothing to do with this transaction other than I am the victim. The best that we can figure out is that someone duplicated my debit card and used it at that location. The actual payment description is Non-EMV Magnetic Swipe. Again, I was not there. I did not make this purchase. Neither company seems to care and just want to collect funds. I have recently contacted the police department in Arizona to see if they can help but beyond that I am not being looked at or protected as a customer and consumer by XXXX or Bank of America. Thank you for your time in reading this and considering any advice/help that you may have for me.
Product: Debt collection

On XX/XX/2022 I reached a settlement agreement with Jefferson Capital Systems for a debt they purchased from XXXX XXXX. The settlement was for {$2800.00} and broken down into XXXX XXXX monthly payments. 

The first {$150.00} payment was made on XX/XX/22. The second {$150.00} payment was made on XX/XX/22. The remaining balance of {$2500.00} was paid in full on XX/XX/2022. 

Instead of updating the account to show that it was settled on my credit report, Jefferson Capital just reduced the original balance and still shows a past-due balance. I disputed this through the credit bureaus and it came back as verified and accurate. I then emailed their general counsel and he was completely non-responsive.
Product: Mortgage

Notice of Error in your letter dated XX/XX/XXXX you failed to provide any documentation to support your response. You claim funds rec 'd XXXX and XX/XX/XXXX were place in unapplied funds as they were insufficient to satisfy the monthly contractual payment. The monthly contractual amount due is {$840.00} how much was due in XXXX how much was due in XXXX? how much was rec 'd in XXXX and XX/XX/XXXX? how much was rec 'd on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX explain each month and how much was due each of those months. Your claiming that 3 payments made for XXXX XXXX and XXXX were not sufficient to make one payment? explain in detail send proof of your statements and supply the documentation that XXXX provided to you to conclude your analysis. Since you always fail to send supportive documents as required by law i'm trying to be as specific as i can so i dont have to request over and over to get any documentation.