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

I am filing this complaint regarding significant inaccuracies in the reporting of my account originally held by XXXX  XXXX XXXX XXXX supposedly created on XX/XX/year>, which was subsequently sold to XXXX XXXX. These reporting issues violate several provisions of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), which have caused financial and emotional harm. Based on these violations, I am requesting deletion of the account from my credit reports with TransUnion and XXXX, release from liability, and {$1000.00} per violation as outlined below. 

Violations and Reporting Issues : Incorrect Account Number : TransUnion and XXXX report this account as XXXX instead of the contracts actual account number, XXXX, violating FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). 

Incorrect Furnisher Information : The account was sold to XXXX XXXX, yet it is still listed as owned by XXXX  XXXX XXXX XXXX. This misrepresentation violates FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ), which requires accurate furnishing of account ownership.

Inaccurate Balance Reporting : The balance is incorrectly reported as {$1200.00}, omitting {$0.00}. FCRA mandates accurate reporting of credit information, and this error directly violates 15 U.S.C. 1681s-2 ( a ) ( 1 ). 

Misreported Payment Schedule : The agreement reflects monthly payments of {$88.00} over 18 months, which does not total the amount stated of {$1600.00}. This miscalculation and failure to accurately report the payment terms impacts my creditworthiness and financial profile, violating TILA ( 15 U.S.C. 1638 ( a ) ( 5 ) and ( a ) ( 6 ) ).

Inadequate Disclosure of E-Signature : My rights regarding electronic signatures were not disclosed as required by the E-SIGN Act ( 15 U.S.C. 7001 ( c ) ). Given this lack of disclosure, the e-signature could have been completed by anyone, further invalidating the contract terms.

Failure to Provide Accurate Information Despite Disputes : I previously disputed these inaccuracies, yet TransUnion and XXXX failed to conduct a reasonable investigation or correct the errors, which violates FCRA ( 15 U.S.C. 1681i ). The persistence of these inaccuracies has negatively impacted my credit score and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed fraudulent inquires on my report with all 3 bureaus in XXXX of 2020, I promptly contacted my local police department and filed a police report for fraud. Report number ( XXXX ) XXXX Police depart located at XXXX XXXX  XXXX XXXX. XXXX TN XXXX. I then sent proof to all 3 bureaus and still nothing while this is going on a fraudulent medical bill occurs on my file while I am in the of buying a home. I contact the company ( XXXX XXXX ) account # XXXX and a representative and several supervisors confirm that I don't have and account and that the information is reporting wrong with XXXX  and Transunion. I have all the documentation I need to prove that these inquires and collection account are fraudulent, but I cant seem to get any help, I've also filed an FTC Affidavit.
Product: Vehicle loan or lease

Parking fees were added to the lease and the company did not validate the accuracy or if the penalty was legitimate. The vehicle incurred a fee for parking while using a valid pass to park in the facility. Chrysler Capital assumed the fee was legitimate and added the fees to my lease account. I paid the fees and filed a dispute which was denied but not explained by XXXX XXXX XXXX Chrysler has been sent proof and asked to remove the fees and they have not. XXXX has now been paid Twice and my account still shows the Fees. They are running a scam, by assuming fault even when provided proof. they ignore it {$260.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Credit Dispute Letter - Account Numbers : XXXX and XXXX I am writing to dispute the accuracy of information reported by your agency regarding the accounts held with Capital One and XXXX XXXX XXXX XXXX. The account numbers in question are as follows : Capital One - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX I have recently reviewed my credit report and found several inaccuracies and inconsistencies that directly violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly in accordance with 15 USC 1681N. Furthermore, I am formally requesting proof of ownership for these accounts. 
In particular, I have identified the following erroneous information and incorrect addresses associated with these accounts : Remove address from my report Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Erroneous Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I would like to point out that I have never resided at any of the addresses mentioned above. These inaccuracies are not only damaging to my creditworthiness but also violate the FCRA, which mandates accurate and up-to-date reporting. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is your responsibility as a credit reporting agency to conduct a reasonable investigation into disputed items within 30 days of receiving a dispute. I demand that you promptly initiate a thorough investigation into these inaccuracies and provide me with the results. 
Furthermore, I request that you provide proof of ownership for both the Capital One and XXXX XXXX XXXX XXXX accounts mentioned above. This includes any original account agreements, signed contracts, or other documentation that establishes my legal responsibility for these accounts. 

Failure to conduct a proper investigation, correct the inaccuracies, and provide proof of ownership within the time frame required by law will constitute willful noncompliance with the FCRA. As outlined in 15 USC 1681n ( a ) ( 1 ) ( A ), I reserve my right to seek damages of up to {$1000.00} per violation for any willful noncompliance. 

I kindly ask that you keep me informed of the progress made regarding this dispute. Additionally, I request that you provide me with a written response detailing the steps taken to investigate these inaccuracies, any corrections made, and the proof of ownership requested. 

Please note that I am prepared to take further legal action, if necessary, to protect my rights under the FCRA. However, I trust that it will not come to that, and that you will rectify the inaccuracies promptly. 
Thank you for your immediate attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Debt collection

As indicated by the attached copies of letters and mailing receipts, I have disputed the following alleged debt to no avail. I have request Ford Motor to provide validation of debt, proof that I have a legal obligation to pay this debt, proof of their right to collect this alleged debt, contractual evidence bearing my signature obligating me to pay their company, explain and show me how they calculated what they say I owe, provide copies of any papers that show I agreed to pay what they say I owe, and prove the Statute of Limitation has not expired on this account. To date Ford MotoXXXX have not done their duty as mandated by law. As of this moment, there is no question that they willfully violated my rights. Their non-compliance with federal law is unacceptable, your disregard for it contemptible. Please note that I can seek remedy due to FCRA and FCDP violations if a negative entry is placed on my credit report with XXXX, XXXX and XXXX from a debt I do not owe. Furthermore, I have a legal right to sue to seek redress in civil action, for recover of damages, cost, and attorney fees should they continue to deliberate obstruction of the law. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DEAR CAPITAL ONE XXXX # XXXX I have been with CAPITAL ONE for a long time, Since 2015 and I have always appreciated the good value and service I have received from your company. Recently I checked my credit report and noticed delinquent payment history. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would love to remain an active consumer of CAPITAL ONE and would like for us to work together to update my payment history that is hindering me from getting approved for credit. Will you kindly send me confirmation that this erroneous late payment has been corrected, updated to paid as agreed/ never late and deleted from my credit report and sent to the consumer reporting agencies to update. I appreciate your companys decision and consumer satisfaction to do the right thing. Thank you. 

XX/XX/XXXX If you believe it's correct, I demand : The date whomever validated it was correct. 

The method used to validate this Billing error. 

The name of the person who received the permission to Validate this error. 

The documents used to determine this error. 

I would appreciate it if this matter were handled in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been calling, and Also asking the creditors to verify these accounts they are not properly verifying because these accounts are inaccurate and doesnt belong to me. 

XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5900.00} XXXX wirless XXXX {$1300.00} XXXX XXXX XXXX  XXXX {$3800.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that are inaccurate XXXX XXXX XXXX. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging systematic 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 nor removed disputed items despite the evidence I provided, causing 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 card or prepaid card

On XXXX XXXXat XXXX XXXX i made a cash payment of XXXX $ to my Visa credit card at the ATM of my local Bank of America. Immediately after taking my money the machine had an internal crash and the screen went blank. i waited for 20 minutes and then called the emergency number listed on the machine. I was connected to an employee and he managed to get a technician who the had to reboot the machine. it did not proceed to give me a receipt because of the software crash but the employee on the phone reassured me it would not be a problem and there was a spot inside the machine where money goes in a case like mine. He said a technician would be sent out to the machine and then i would be credited. 
I was first in line inside that Bank the next morning and was told they could do nothing for me and to call the same number i called the previous evening. On calling that number i was told that a dispute had been initiated in my Name and that it could take up to two billing cycles to resolve the issue.

I have continued to call and receive the same answer. 
It has now been over 3 months. I called again today and the answer i get is to just wait. 
This is not acceptable
Product: Credit reporting or other personal consumer reports

Hello! I'm reaching out for assistance regarding accounts that are incorrectly reported on my credit history.
Product: Debt collection

NAVY FEDERAL CREDIT UNION SAID THAT I TOOK A LOAN IN THE AMOUNT OF {$31000.00} IN THE DATE OF XX/XX/year>. I HAVE CALL THEM AND WRITE TO THEM ASKING FOR ANY TYPE OF PROOF REGARDING THIS MATTER, NAVY FEDERAL HAS FAILED TO PROVIDED ME WITH ANY TYPE OF PROOF. I ASK FOR A SIGNED CONTRACT AND THEY FAILED TO SEND IT TO ME.
Product: Debt collection

Please find attached. I have asked Upstart for further cooperation due to the Covid-19 global pandemic and they want to increase my payments instead and mark me as late on my consumer reports if I do not pay them. Please find attached letter.
Product: Consumer Loan

I have a loan from RISE credit. I have paid {$4600.00} in 10 months and they have only applied {$580.00} towards the principal balance so far. This feels like XXXX to me. Please help! thanks
Product: Checking or savings account

chase upgraded me to private client in 2010. Now all of a sudden they are saying my average balance is not qualifying and they are trying to charge me fees for everything. They are not willing to consider my business account balances towards my personal. Just my business accounts alone more than qualify for private client ( {$100000.00} ). Ive been a client for 40 years and this is just really unfair and sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
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: Debt collection

I recently noticed that I have a fraudulent collection account for {$630.00}, I NEVER open this account or never authorize this, I called the bank that issue this card XXXX  XXXX XXXX XXXX and they told me that I have to call collection company ( MIDLAND CREDIT MANAGEMENT ) I did call on XXXX and spoke with XXXX XXXX to XXXX, and they said that they are already working to fix this discrepancy, I open a dispute with XXXX  but they haven't give me a solution for this fraudulent account, I need a investigation and what ever comes as a report i please will need a copy.
Product: Credit reporting

XXXX creditors have provided Transunion with information to update the accounts but Transunion has failed to do so. XXXX XXXX advised Transuion that my account should report paid as agreed with no late payments and XXXX balance. Transunion reported account closed with delinquent history of 61-90 days. Department of Education sent Transunion notice to delete my department of education account but Transunion refuses to delete the account. The other credit bureaus received the same notice from the Dept of Education and made the correct changes. Transunion is purposely working to keep my score in a low status.
Product: Credit card or prepaid card

I called the number on my card to let them know I hadn't sen my card in over a week. So I wanted to cancel that card and get reissued another one. During this process the automated system asked me if I had made certain purchases. I had not made the ones that were mentioned so it had me file a dispute. When talking with the person on the phone I explained that I had only used the card for a few things IE : car insurance, health insurance, food delivery. He asked me if I had any knowledge of a credit for {$40.00} and I told him yes because I had gotten an email from XXXX a few days prior. So he told me what to do next and gave me a reference number. After a few days my new card was sent to me but I was unable to activate it as it said my account was blocked. Then I received a letter that my claim had been denied. SO I asked for the paperwork that they based their decision on. And the reasons dont make sense. So now I am hoping you can help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$2000.00}, {$28000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXXction 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Experian is reporting the wrong names, addresses, and account information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Wrong addresses Wrong account information- account that are over 10yrs old and closed, reporting late payment on closed account, reporting late payments on account in deferment.
Product: Debt collection

To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX, and it need 's to be deleted/removed from my credit report. PLEASE PERMANENTLY BLOCK & DELETEM IMMEDIATELY! I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW HAS TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. XXXX does not belong to me. Delete & BLock immediately! 


Collection Account : XXXX  ( CREDIT CARD ACCOUNT ) Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.