23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX {$110.00} XXXX updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Checking or savings account

All of the sudden I am getting emails, texts, and an alert I will have my account closed. I've called, and no direct answer. 
I also have XXXX disputes that are taking months. In addition to the above, I have my social security deposited, well over a XXXXXXXX XXXX, child support, and other monies deposited into the account. Their spot me feature has helped me a couple of times, but I am never overdrawn. 
No direct answers are given to me for anything. Also, this has resulted in me not getting my check from social security yesterday. This is discrimination and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan modification is affecting my scores. The loan has been charged off and is closed. Please remove this from my reports.
Product: Debt collection

I have called service finance company multiple times throughout the past year and a half if not longer regarding their past due fees. Over the course of the past month and a half two months I have paid what I was told would bring my account current and would be paying only {$120.00} a month by a female representative a month and a half or two months ago. After making the necessary payments over the course of time Im still getting what shows on the statement as past due fees. When my monthly amount should be only {$120.00} and they keep trying to throw this language and terminology around that is a bunch of bull.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are inaccurate on my report Accounts 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

The account with DEPT OF ED/ XXXX has been listed closed since XX/XX/XXXX! Now someone is magically reporting missed payments ( since XX/XX/XXXX & continues ) on this closed account that I know is inaccurate and a violation because there should be NO ACTIVITY after the close date! I've sent in several disputes and attached proof that may help with the removal of the account but XXXX, TransUnion, and DEPT OF ED/XXXX refuses to remove the inaccurate accounts and continues to violate my rights per FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint with COACHELLA VALLEY COL. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. I also never had any contractual agreement with them. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 
My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Bank account or service

My husband noticed XXXX dollars was withdrawn from my checking account through my debit card but my ATM card was not stolen. I had it on my person, but I never made these withdrawals. It was XXXX increments of {$600.00} for a total of XXXX. It was XXXX different locations of ATM machines in our same town of XXXX, TX.
Product: Credit reporting

XXXX XXXX reported on my trans union XXXX and XXXX credit reports, XXXX also sold the account to XXXX XXXX XXXX reports and called them selves a credit collector/Attorney when they were not. Than XXXX Filed Suit in XXXX Washington to further Harass and embarrass me. This is a clear violation of the FDCPA section XXXX regarding deceptive practices by a collector. 

XXXX XXXX reported to the credit unions XXXX when the balance was only XXXX, XXXX dollars more the original debt another violation of the FDCPA XXXX XXXX has created deceptive transactions design to harass and embarrass and humiliate me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We opened this account in XXXX and paid on time each month until XXXX XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to XXXX until we dismissed the bankruptcy in XXXX or XXXX XXXX. XXXX is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) regarding my credit report dispute. Specifically : 1. They did not conduct a reasonable reinvestigation of the disputed information 2. This has resulted in inaccurate and unverifiable accounts remaining unresolved 3. Their handling of my case aligns with the systemic issues identified in the CFPB 's recent lawsuit against XXXX, including : - Failure to properly forward consumer-provided evidence - Acceptance of unreliable responses - Inadequate notification to consumers about dispute outcomes Despite multiple attempts to resolve this issue via phone, XXXX has neither corrected nor removed the disputed information from my report. This continues to impact my credit standing negatively. 
Disputed XXXX XXXX has outdated and incorrect information and should be positive standing XXXX XXXX  Accounts should not be showing negative XXXX XXXX XXXX XXXX were not properly investigated XXXX Account is reported negative and should be updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my credit card for years and have a great payment history with my XXXX XXXX/commenity account and there is nothing being reported towards payments or credit line with this card. It was on my report for years and for the last 5 or 6 months it doesnt appear on any credit report ive spoke to credit card company and all credit bureaus and noone seems to know why or how to help me.
Product: Prepaid card

XXXX went got receipts from where I purchased card took many pictures.sent pictures of ID.And credit card.they even received all information they requested while I was phone with still never sent me my balance of XXXX called them prolly different times over 3 months
Product: Credit card

I was suffering a XXXX hardship since XX/XX/2016, but was able to somewhat maintain my bills. I began to fall behind when my condition got worst around XX/XX/XXXX. At that time I started to fall behind on my Target MasterCard credit card payments. Around XX/XX/XXXX I called target to ask for assistance regarding my bill and be placed on a hardship payment plan. During that time I was very XXXX. When I did get better I called to resume the payment plan. I was placed in one and began payments. Around the end of XX/XX/XXXX I was informed my card was closed which came as a shock to me because I was never informed of this decision. Since then I have n't been able to get a straight answer to why. I was told it 's because I was 60 days late. I went over the terms and conditions of this card and no where did it say my card would be closed after 60 days. I 've asked numerous times to be sent the letter they said I was sent informing me of the card closing and the terms and conditions I was told numerous times it was coming- today I received a package of prior statements in the mail, no terms and conditions and no letter. I 'm extremely XXXX. I also keep being reported to the credit agencies even though I 'm on a hardship program. Finally, I spoke with an account manager yesterday I was told I was actually 90 days late and that 's why my card was closed, this is the first time I 'm hearing this everyone has said I was 60 days late and my credit report says the card was closed for being 60 days late. I feel like I 'm fighting a big corporation and dealing with rude account specialist who are refusing to help me. I 'm still XXXX and the XXXX of this is weighing heavy on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted an extension from XXXXXXXX XXXX  for the month of XX/XX/2023 payment and the report to all credit agencies that my I was 30 days late. Its my understanding that if an extension is granted for that month you reported me for being late how could i be late if a payment was required
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX. The total price was given en route to the dealer despite having multiple calls prior XXXX. The grand total was {$13000.00}. I paid {$8000.00} in cash, {$5000.00} on personal check and the remaining $ XXXX on a credit card. The salesman told me my social was needed for DMV. He then used it to run a soft credit check which in fact was a hard inquiry. A policy the dealer has when using personal checks. The salesman told me he would drive me to the bank to avoid using the personal check and credit card and then within 1-2 minutes came back and said they already ran my credit. This is fraudulent and a horrible business practice. I spoke with the manager who only offered a solution of an apology and they will re-train their salesman. No consolation for me. Im applying for a mortgage and my score has dropped which means I have to pay points to get my rate back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an accident and was in hospital for XXXX  .At some point I called XXXX XXXX   to make payment and after s battery of questions was told that my account was frozen because I was noted to be deceased. I have since had my account active and made current payments but the negative reports to Credit Bureaus should be removed.
Product: Debt collection

I was sued by XXXX and XXXX is XXXX for a debt to XXXX XXXX XXXX for a credit card. In XXXX my wages were garnished and my debt was paid. As of XX/XX/XXXX the judgement still sits on my credit as an unpaid judgement. For four years this debt has been killing my credit even though it is paid. I am now trying to buy a home and can not due to this debt not showing paid.
Product: Credit card or prepaid card

XXXX XXXX has not my balance after paying {$1000.00} dollarpdate
Product: Checking or savings account

Bank of America XXXX  has been committing Securities Fraud against me, the Consumer, for a long time now. 
I would like the Consumer Financial Protection Bureau to add this information to the Investigation started against Bank of America XXXX already existing under CFPB Complaint # XXXX Please refer to the attached Documents for a full description and details of What happened.
Product: Debt collection

I've let this agency know that the balance was for a hospital stay from my ex-wife years ago. I've also asked them not to contact me by any other means than my PO Box address given to them. They continue to call my phone and, more recently, have called my workplace looking for me -- contact information which was NOT given to them and a phone line that they are not authorized to use. Yesterday, XXXX-18, they left a message on a company telephone number that's used exclusively for customer service which means that they made a guess at where I work and searched online for an alternate way to contact me over a debt that I did not generate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a letter to remove two items on my report XXXX XXXX  Account Number XXXX and XXXX XXXX XXXX  Self Account Number XXXX. They sent a letter back stating that the account were " verified '' I then asked for the Method of Verification and to provide me with the 1. Name of the original creditor, 2. The creditors address and phone number, 3. The persons name they verified the dispute with and 4. The documentation used to verify the dispute. I also asked Equifax to please provide a contract between them and I where they have my written instructions to furnish a consumer report on my behalf. Equifax has failed to send me the following information that I requested and has failed to remove both accounts. Equifax is violating my consumer rights according to the FCRA as a consumer report can only be furnished with the written instructions of the consumer and also transactions between a consumer and person is not supposed to be included on my consumer report. I never gave Equifax permission to furnish anything on my report on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter for the XXXX  XXXX XXXX account on XX/XX/2023. I have just checked my credit report and I see that the account is not marked as disputed. This is a violation to have misleading information and inaccurate information about the consumer. I have also asked for this account to be updated. There are still several sections that is not reporting accurately. 
According to the Fair Credit Reporting Act- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ; 15 U.S. Code 1692e False or misleading representations ; Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

According to the Fair Credit Reporting Act - Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681b and to limit the furnishing of consumer reports. 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. Also, the XXXX  XXXX XXXX account number is not reporting the same for all XXXX credit bureaus. These violations have caused damages in my familys life. I would like for this account to be deleted. Here is my account information to us during the investigation into this matter. 

XXXX Account Name : XXXX  XXXX XXXX Account number : XXXX Reason : inaccurate information and failure to update XXXX Account Name : XXXX  XXXX XXXX Account XXXX : XXXX Reason : Inaccurate information failure to update and account number is not same. 

Experian Account Name : XXXX  XXXX XXXX Account XXXX : XXXX Reason : Inaccurate information failure to update and account number is not same.
Product: Credit card

I applied for a XXXX XXXX XXXX XXXX XXXX and was denied by Bank of America on XX/XX/2013. Bank of America stated that they denied me because " one or more of your accounts has been included in a bankruptcy. '' My bankruptcy was filed over 10 years ago and does not appear on my credit report any more. 
I filed bankruptcy XX/XX/2013 because I had XXXX XXXX XXXX XXXX and a lot of medical bills. 
I have rebuilt my credit and believe I'm being treated unfairly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have been disputing these collections. Based on the FACTA ACT these accounts should be investigated properly. These accounts are still affecting my score and are not accurate, not my account and not validated. 
I would like these accounts investigated and removed immediately based on law 15 U.S.C 1681 i 7 and to know what steps were taken. 

Accounts : XXXX XXXX XXXX - {$11000.00} XXXX : {$450.00} XXXX XXXX : {$580.00} XXXX  Automated Collections : {$1300.00} XXXX XXXX XXXX  : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove 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 card or prepaid card

I have use carecredit/synchrony bank at XXXX $ for my dental service. I had paid two time XXXX at each time. Now I still owe XXXX left. now, they want to charge me a penalty fee over XXXX $ dollar because it was over due.I have make too many phone call asking them please send me a bill atleast one week before due date even so I wrote a letter to them at my second payment. they never send a bill at all or email as I request. They lied to me when I talk with the manager. He said he send email in spam, but I check it was nothing in my spam email address at all. They also call and hang up on me. they also put me on hold so long while I m at work and kept ask me the same question name address and email address over and over. I am seeking a solution to resolve this matter or else they can report to collect agency which is decrease my credit score.