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

I am writing to formally dispute the accuracy of certain accounts being reported on my credit file. Specifically, these accounts are inaccurately listed as included in bankruptcy and reflecting late payments. I vehemently deny these claims, and I demand that these inaccuracies be thoroughly investigated and promptly corrected. The accounts in question have been reported erroneously, and their continued presence on my credit report is not only misleading but also unjustly harmful to my creditworthiness. These errors demonstrate a failure in the credit bureaus process of verifying and reporting accurate information. 

I must question the credibility and rigor of your investigation procedures : 1.Verification Process : What steps were taken to verify the accuracy of the information reported by creditors?

Were proper documentation and evidence provided by the creditors to substantiate their claims?

2.Adherence to the Fair Credit Reporting Act ( FCRA ) : The FCRA requires credit bureaus to ensure maximum possible accuracy in credit reporting. Why, then, has incorrect information persisted on my report despite my dispute?

3.Failure to Investigate Fully : The continued reporting of these inaccuracies suggests that the credit bureaus are either relying solely on creditors unverified claims or failing to conduct a thorough and independent investigation as required by law.

These deficiencies in your investigation procedures undermine the trust and reliability that consumers expect from credit reporting agencies. I urge you to demonstrate transparency and accountability in addressing this matter. 

I request the following immediate actions : Removal of Erroneous Information : All accounts inaccurately listed as included in bankruptcy or having late payments must be corrected or removed from my credit file.

Detailed Explanation of Investigation : Provide a written explanation detailing the steps you have taken to investigate my dispute, including the evidence reviewed and the criteria used to validate the accounts. 

Written Confirmation of Corrections : Once corrections have been made, please provide written confirmation that my credit report has been updated to reflect accurate information. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.
Product: Checking or savings account

I am writing to report an incident that occurred during an ATM cash deposit transaction at Citibank branch located in XXXX XXXX on XX/XX/year>, around XXXX AM. 

On the mentioned date and time, I attempted to deposit {$1500.00} in cash into the ATM machine. However, immediately after inserting the cash, the machine displayed an " unavailable '' message, and the transaction was not completed. Consequently, I did not receive a receipt, and the funds were not credited to my account. 

I promptly reported this issue to the bank staff inside the branch, who advised me to contact customer service and file a complaint. Since then, I have reached out to customer service representatives multiple times regarding this incident. During these interactions, I was informed that the funds would be credited to my account by XX/XX/XXXX or earlier. 

Unfortunately, as of today, I have not received the deposited amount, causing significant financial strain. As a pregnant woman in my seventh week, this situation has become increasingly concerning, as I require these funds to pay essential bills and expenses. 

I kindly request your urgent assistance in resolving this matter and ensuring that the {$1500.00} deposit is properly credited to my account. Please help. I dont know how to deal with them anymore.
Product: Payday loan, title loan, or personal loan

XXXX was taking money from my account on Paydays and they even overdrew my account to the point where my XXXX XXXX  account was closed due to the excessive fees I was being charged. Today I owe XXXX XXXX over {$600.00} because of XXXX. And yet and still they have a collection account on my credit report for {$1300.00}. I never received this amount from the company. I have paid back the original amount I received but due to the excessive interest and other fees they claim I still owe them money. I do not believe this to be true. I have disputed it with the XXXX credit bureaus and it was deleted from XXXX but updated on XXXX and XXXX. This is preventing me from qualifying for a mortgage loan.The collection agency acting on behalf of XXXX is Ad Astra.
Product: Credit reporting or other personal consumer reports

CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected not removed disputed items caused ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as, Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$28000.00} XXXX XXXX {$2800.00} XXXX XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit card or prepaid card

On XX/XX/2020, my AAA/Bank of America credit card was charged {$210.00} FOUR times right in a row by XXXX for a total of {$860.00}. This credit card company never called me to question the charges! XXXX FRAUDULENTLY let someone use a XXXX account under my email, change the password, add new email addresses, order products that I don't know about nor would I order them, and shipped them to an IP address in XXXX, New York which I have never been to nor know anyone there. I have repeatedly opened up fraud disputes with the credit card company only to get a letter two days later that it was denied because they have proof of my email address, name and home address and that I received the merchandise. They have no proof because I never ordered anything from them. I have a police report from the XXXX County Sheriff 's Department on XX/XX/XXXX and talked to a State Trooper named XXXX XXXX from XXXX, New York XXXX. I could not get any information from the credit card company and XXXX for months and months and many phone calls to people that can barely speak XXXX. I have had to go to the local Bank of America branch in XXXX, New York with a branch manager for two days and 7 hours on the phone to try to straighten this out without any resolution. I have XXXX XXXX and this is not helping. This has been payed in full by my checking account/autopay and the credit card company is going to report this to XXXX XXXX XXXX and XXXX. I have always paid my bills in full and now my credit will be ruined and they will not return my almost {$1000.00}!
Product: Debt collection

Credence attempted to collect a debt from me in 2016 for services that did not make sense. I referred them to my insurance company and never heard from them again. They contacted my ex-wife 18 months later for a similar debt, but with a different provider. I did not trust their account of the situation in 2016 and this further information tells me that they are fishing based on some illegitimate data.
Product: Checking or savings account

Citizens Bank will re-open checking accounts if a deposit is made by accident, and then charge fees associated with the account. This is done after customer requests account closure, and re-opening does not require Citizens to notify the customer- although frankly the account should just stay closed. 

I requested my checking account be closed with Citizens Bank on XX/XX/2022. On XX/XX/2022 a direct deposit was made to the account due to a tax refund from XXXX. This automatically re-opened the account ( 2 months later! ) and since then 7 fees have been assessed ( only other transactions on the account ) for {$9.00} each, cumulating in nearly {$70.00} in fees. 

On XX/XX/XXXX, I am attempting to re-zero the account again, and then will have to call again to request closure, or fees will continue to be assessed. They will not or can not close the account in a way that prevents future transactions from automatically re-opening the account. They claim this is the terms and services of the account, but it is abusive in that the thing that happens automatically is that Citizens recieves deposits, processes charges, and collects fees, but what can't happen automatically, or even at customers request is to prevent future transactions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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, have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 16815-2 ( 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: Debt collection

Transworld Systems is presently reporting a collection account for XXXX in the amount of {$1100.00} I have no knowledge of any such account. This disputed accounts was previously removed off my reports but was recently re-insertec without any notice which is legally required. I have never received any documentation from TSI to support their alleged claim. I am incurring financial damages as a direct result of their willful violations of the FDCPA and FCRA. They have been non responsive. Unable to obtain any verification. 
My report was also not flagged as disputed by them. Their time to respond has passed.
Product: Student loan

I was on the IBR plan and i got a letter approved and my payment was {$57.00} and then next thing i knew i was getting notices saying i was behind on my payments. now they raised it to almost {$80.00} a month. i filed bankruptcy in 2010 for hardship and have still tried make payments and be honest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove six late payments from my credit report for student loan 1 message  XXXX XXXX XXXX XXXX XXXX Sat, XX/XX/XXXX at XXXX XXXX  To : XXXX XXXXXXXX To XXXX  To XXXX  To TransUnion XXXX XXXX. 
D.O.B. XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX, Va, XXXX Phone number : XXXX Email : XXXX Student Loan ACC : Info XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX Student loan for XXXX XXXX Acc # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to verify that my student loan was on forbearance. I was given information that it was, yet my credit report still reflects six missed payments when viewed. 
This majorly affects my credit rating and causes financial hardship in my attempts to clean and create a better financial future. 
PLEASE investigate this because I know if a loan is in forbearance that no late payments are to be added and reflected on my credit report I demand that my six late payments be removed from my credit report. 

Thank you, XXXX XXXX. 
XX/XX/XXXX
Product: Student loan

I currently have 4 student loans with HESAA. This is a State agency that gives out Private loans to students with co-signers for college. I currently have 4 loans that I co-signed with HESAA ( or NJ Class ). I have tried to dispute the accuracy of the loans and written to NJ Class in regard to this. They neither responded to my letters or marked my file " in Dispute ''. They basically continue to ignore me. The account numbers are : XXXX, XXXX, XXXX, XXXX. My son has tried to go to the NJ Class offices and ask for help in reducing the debt or refinancing them. He was harrassed and told he better pay or else. This is what led me to asking for a dispute and for the negative marks to stop on the account. My first letter was sent on XX/XX/XXXX and recieved by NJ Class on XX/XX/XXXX. This letter requested validation of the contract with signatures as competent evidence showing the contractual payments between HESSA and my son and me as the co-Signer. This letter also put them on formal notice that I was disputing what they were claiming. When I received no response, I sent a second letter ( one for each account ) which was sent on XX/XX/2016 and received on XX/XX/2016. Again, I again outlined what they were claiming and indicated they were put on notice of a formal dispute and did not mark the credit bureau as disputed and they added more negative remarks. The NJ Class/HESAA does not believe they follow the same rules as all other creditors and they simply ignore the law. If I can not get satisfaction from filing this claim, I will need to bring them to Small Claims court, but I do n't know if that helps. I need you to review what this organization is doing and help these students who are being harassed and lives ruined by this organization. They are breaking the law under the Fair Debt Collection Practices and I hope you can help me in resolving this. I have been paying this loan now scrambling to get money to pay them equaling on a monthly basis as they are ruining my life and the life of my child without any regard. When you call them, all they say is " you better pay ''. I 've even written the governor who has done nothing but given my letter to the attorney general who writes me letters telling me she found some mistakes in my file, corrected them and then says you must start paying. No option, no help, no evidence. Completely ignores anything I have written in my letter. All four accounts have each had the same letters sent and all four accounts have been ignored. You are my last opportunity to resolve this. I want the validation of the contract in regard to these loans with signatures and I want my life back by cleaning up the history of missed payments since they have broken the loan and have ignored my requests.
Product: Credit reporting or other personal consumer reports

Balance is incorrect on my credit file for my XXXX XXXX and they refuse to update it. I paid this card off in full.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing this fraudulent account. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The following is the fraudulent account : BANK OF AMERICA/ XXXX.
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

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 XXXXXXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE WITH ALL 3 AGENCIES address, emails, bank statement, 2 FTC reports ( two separate needed for all accounts ) police report and ID attached for full verification.
Product: Debt collection

I am filing a complaint against LVNV Funding LLC for their repeated failure to provide proper validation of a debt they are attempting to collect, and for reporting inaccurate information to the credit bureaus. 

Details of the Issue : Lack of Proper Licensing : LVNV Funding LLC does not possess the necessary license to collect debts in the state of New Jersey. According to New Jersey state law, debt collectors must be licensed to operate within the state. LVNV Funding LLC 's lack of licensing renders their collection activities illegal and invalid.

Failure to Provide Adequate Validation : Despite multiple requests for validation, LVNV Funding LLC has failed to provide proper documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). They have only provided a standard account summary, which does not meet the legal requirements for debt validation. Specifically, they have not provided : The original signed contract with the original creditor.

A complete payment history.

Proof of assignment or ownership of the debt by LVNV Funding LLC.

Instead, LVNV Funding LLC has repeatedly provided the same insufficient form that does not constitute valid proof of debt. This form does not address my request for proper validation and fails to meet the standards set by the FDCPA.

Continued Reporting of Disputed Debt : LVNV Funding LLC has continued to verify the debt with the credit bureaus without providing proper validation. This is a direct violation of the FDCPA, 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until the debt is validated.

Impact : The actions of LVNV Funding LLC have caused significant stress and financial hardship by negatively impacting my credit score with inaccurate information.
Product: Credit reporting or other personal consumer reports

I saw unauthorized inquiries on my credit report today, and Im completely baffled as to why theyre there. I review my credit report regularly, and this is the first time Ive seen such discrepancies. Refreshing the browser didnt fix anything, confirming this isnt a glitch. I need these documents examined thoroughly so I can finally have peace of mind.
Product: Debt collection

I received a letter from XXXX, XXXX in regards to a balanced owed for XXXX. In reference to that letter they wanted to verify the validity of debt. In that letter there was note that they would mail a judgement outside 30 days of response to if debt is owed. However, I got another letter from another company name A TCI, requiring for me to pay the same amount for debt owed under a different account number. I am concerned because I disputed this debt. I do believe that there is a balanced owed but not two companies. That is not accurate.