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

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove late payments from my account with XXXX XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of late payments on my XXXX XXXX XXXX account ( Account # XXXX ), which have been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau and XXXX XXXX XXXX comply with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard.
Product: Debt collection

This collection company, rmp Services llc have been attempting to collect a debt in the amount of {$3100.00} which has also been placed on my credit report. I have been unaware of said debt until recently checking credit reports. I have had no communication with this company nor have I received any services from this company for the company to allege that I owe them this debt. This company has failed to provide proof of services they have rendered to me. Please remove debt from any and all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$16000.00}
Product: Credit card or prepaid card

In XXXX 2017 by balance was XXXX. I sent Capital One a payment of XXXX dollars. This would bring by balance owed to XXXX. I then noticed charges that brought by balance over my card limit to XXXX!. I contacted them and my card was refunded to XXXX. I requested a check not thinking much of it because I figured they new what they were doing. By balance then increased up to XXXX, then down to XXXX, now its back to XXXX. Over 10 hours on the phone and I am still not done with this, I since sent tin payments of XXXX, XXXX, and now XXXX to cover what I do owe them. I don not want my credit ruined but I also should not have to pay any more for there mistakes.
Product: Credit reporting or other personal consumer reports

My information was exposed in your data breach. Im leveraging the XXXX XXXX  Law 15 U.S.C. 1681-1681x
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 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 card or prepaid card

The bank has restricted me from using my card and its been several days now. I have not been notified ahead of time that i wont be able to use my card. i have contacted the bank to ask why i am unable to use my credit card and the response i got was that they are doing verification and that i would have to wait 2 weeks before being able to use my card. This has jeopardized my livelihood as my bill and rent are paid from my credit card. I believe this is NOT a fair and right way to handle such issue and i am asking CFPB to intervene and resolve this matter for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and I am requesting that all fraudulent accounts and inquiries associated with this breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts were impacted by the breach : XXXX. XXXX XXXX Account number ending in XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX  Account number ending in XXXX, opened on XX/XX/XXXX, with a balance of {$3000.00}. 
XXXX. XXXX Account number ending in XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called the IRS and took measures into my own hands. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report.
Product: Credit reporting or other personal consumer reports

I previously requested an investigation for the following accounts ; however, I have not received any information, and the errors listed below are still being reported on my file. It has been more than 30 days, which exceeds the time frame allowed for completing your investigation. Please note, I am NOT requesting verification at this time. Instead, I am requesting that my credit report be corrected, as it has been longer than 30 days. 

XXXX XXXX XXXXXXXX - an open account which is reflecting a late payment history only on Experian and XXXX, and not XXXX, which suggests a billing error. Also, the 'date opened " dates are different from one another ; 'high balance ' is incorrect ; 'last activity ' dates do not match ; 'last reported " dates are different. Due to the many billing errors on this account, I ask that this account be updated to paid as agrees, never late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Incorrect Items I am writing to formally request the removal of certain items from my credit report and to address inaccuracies related to My personal information is as follows : PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NEVER LIVED IN XXXX Furthermore, under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX. 
PLEASE REMOVE OFF MY CREDIT ASAP!!! 

PLEASE REMOVE UNITED STATES XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Please conduct a comprehensive investigation and update my credit report accordingly, as stipulated by the Fair Credit Reporting Act. 

Enclosed are copies of supporting documents to assist with your investigation. 

Thank you for your prompt attention to this matter. 

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

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Account Dear CFPB, I am writing to follow up on my prior dispute regarding inaccuracies reported on my credit report. Despite my initial dispute, no changes have been made to the reporting of this account, and the erroneous late payments remain uncorrected. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. I am requesting a detailed description of the investigation process conducted for the account in question. 
Account Details : Creditor : XXXX XXXX Account Number : XXXX High Balance : {$430.00} Last Verified : Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$500.00} Payment History : XXXX : A 30-day late payment inaccurately reported for XXXX. 
Experian : A 30-day late payment inaccurately reported for XXXX. 
XXXX : A 30-day late payment inaccurately reported for XXXX. 
Reason for Dispute The reported late payments are inaccurate, as I have made all payments on time, in accordance with my agreement. My attached payment records clearly demonstrate that no late payments occurred for this account. Despite my previous dispute, the erroneous reporting has not been rectified, violating the accuracy requirements of the FCRA under 15 USC 1681e ( b ). 
Request for Investigation and Supporting Information Description of Investigation : Please provide a detailed description of the procedures followed to investigate my dispute, as required under 15 USC 1681i ( a ) ( 7 ).

Verification Documentation : Include all documentation or records used to verify the alleged late payments.

Proof of Mailing Compliance : Under 15 USC 1666 ( b ), provide reasonable proof that each periodic statement was sent to me no later than 21 days before the payment due date. 
Reference to XXXX ( Paid As Agreed Never Late ) The account history should reflect a status of Paid As Agreed Never Late based on my timely payments. In the absence of valid and verifiable proof of late payments, I demand that the credit reporting agencies promptly update the account status to reflect accurate reporting. 
Legal Compliance As per the FCRA, you are required to conduct a fair and reasonable investigation and respond to my dispute within 30 days of receiving this letter. Failure to do so will constitute a direct violation of the FCRA, and I will pursue further action. 
Enclosures Copy of credit report with highlighted inaccuracies. 
Payment records proving timely payments. 
Thank you for your prompt attention to this matter. I expect full compliance with the FCRA, Consumer Protection Act, and Truth in Lending Act. I look forward to receiving your response and resolution within the required timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I rented a vehicle from XXXX XXXX in XXXX XXXX on XX/XX/2022. During the rental period the battery had to be replaced. As agreed, I paid the {$75.00} when returning the car on XX/XX/XXXX. At the time there was no discovery or acknowledgement of any damage to the car. The invoice at the time showed only the {$75.00} battery charge. I paid the charge as evidenced by my signed receipt on XX/XX/2022 and returned to Florida. 

Three days later a charge appeared on my credit card for {$170.00} for supposed damage to the running board. A receipt was generated for {$170.00} without my signature or consent. There is no valid proof of any damage to the car from my use. 

I have been in correspondence with the credit card company to no avail. I sent them documentation of the altered invoice and charge. They have refused to acknowledge fraud first by saying it was too late for a complaint and then for a no refund claim by the company. 

Neither the credit card company nor the rental agency will answer my complaint. 

As back up, I forwarded the charge to the same credit card company for reimbursement through my rental card insurance and they have had no cooperation from XXXX XXXX. 

This is obvious victimization of a senior citizen both from the credit card company and XXXX XXXX. I plead to you for help! 

Credit Card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX? XXXX
Product: Checking or savings account

I received an email on XX/XX/22 from a company I have never heard of called XXXX XXXXXXXX. I was sick to my stomach, then I called immediately to report fraud, as I have never heard of this company and did not and would not apply for this type of loan. They assured me they would alert fraud when I called that night- they clearly did not flag the account. I receive a call today- which shows up as spam risk - so I didnt answer - They left a voicemail - that I have not paid the loan - and I am late on payments. The number I called back today XX/XX/22 was XXXX and told them again I NEVER opened a loan with them. I was given information that this person who stole my identity used my old mailing address XXXX XXXX XXXX XXXX - zip XXXX with my cell number and they were somehow authorized to send money to wells fargo which I have never had a checking or savings account with. These funds apparently were released to account number ending in XXXX- on XXXX XXXX. I received a call today my account was past due - which now I am very worried as someone not only stole my identity, my credit has been impacted. There is a late payment with XXXX knows how high the interest is on this type of personal loan. This same person - tried to open another personal account with XXXX XXXX XXXX the same day and got denied. I have filed a complaint with the FTC, I have called Wells fargo and I have called XXXX loans- I am filing a police report next as well as calling XXXX XXXX, XXXX, XXXX and XXXX and am prepared to get professional legal authorities involved.
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 XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' CONTINUE TO VIOLATED " FCRA '' SECTION 607 WITH REPORT FRAUD AND OUTDATED ACCOUNTS NOT MINE AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

someone stole my wallet and used my ID and credit cards to obtain car rentals, hotels, and made other purchases. I had to get a new drivers license, new credit cards, and a new phone. I sent a copy of my police report and my new license to Discover. The charges are still on my account. I need them removed so I can pay off my credit card appropriately. The Fair Credit Billing Act protects consumers against inaccurate or fraudulent credit card charges and other billing errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off on XX/XX/XXXX and closed. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1.Delete this account, because this account was charged off in XX/XX/XXXX and reports account type OPEN under the Collection 2.Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date. Incorrect information. 


3.Delete this account, because it reports an incorrect amount. Correct amount is {$2900.00} on the credit report shows {$2900.00} 4.Delete this account, because it shows an incomplete account number. Correct account number # XXXX ; on the credit report shows # XXXX 5.Delete this account, because it shows Past Due {$2900.00} a Charge Off/Close Collection Account must show {$0.00} Past Due. 



Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I am writing to address an issue with my credit reporting. XXXX XXXX XXXXas reported to XXXX, XXXX, and TransUnion that I was reinstated as an authorized user on my father 's XXXX XXXX XXXX  While XXXX and XXXX have accurately reflected this reinstatement, TransUnion has not, citing in a phone conversation an " internal policy '' that prohibits any corrections indefinitely. This was not something they were willing to produce in a letter. Despite my request for consistent reporting, TransUnion has stated they are unable to make any changes due to their policy. This discrepancy creates an unfair situation for XXXX cardholders who wish to be reinstated as authorized users. It hinders our ability to present a consistent and competitive credit history in the marketplace. I respectfully request that TransUnion reconsider its internal policy and report my reinstatement as an authorized user, aligning with the practices of XXXX and XXXX. Accurate and fair reporting is essential for consumers to fully benefit from their responsible financial behavior and to compete fairly in the credit market. Thank you for your attention to this matter.