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

I am writing to formally dispute the inaccurate reporting of charge-off accounts on my credit report. I believe these entries violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) as they are associated with debt that has been cancelled and for which I did not receive a Form 1099-C.

Upon reviewing my credit report, I have identified accounts that have been marked as charge-offs. However, these debts were canceled and should not be reported as outstanding obligations. According to the FCRA, specifically 15 U.S.C. 1681eb, it is prohibited to report information that is known to be inaccurate or that lacks proper substantiation.

The presence of these charge-offs on my credit report is not only unfair but also detrimental to my credit profile. The accounts in question are : XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX- Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Consumer revoked furnisher, XXXX XXXX  ability to report my private information to any non-affiliated third parties per FCRA and the Electronic Transfers Act. 

Furnisher response : Due to your dispute, we will continue to report your account as 'disputed ' until you advise XXXX to remove the dispute status. We report to the following credit bureau reporting agencies : XXXX XXXX XXXX Experian 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 They are willfully non-complying with my request and under FCRA and the Privacy Act of 1974, that is a violation. Under the FCRA, willful non-complying carries a penalty of {$1000.00}, per violation ( 15 U.S. Code 1681n ). My privacy is being violated by the furnisher and the non-affiliated third party agencies listed above. Please remove the trade line. 

Each month after the date of XX/XX/XXXX that XXXXXXXX XXXX continued to report is a willful violation on their part and any third party reporting my private record. 
5 US Code 552a.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ACCCOUNTS, INQUIRIES AND ADDRESSES ON MY REPORT THAT ARE NOT MINE. ACCOUNTS : XXXX XXXX {$150.00} XX/XX/2021. XXXX {$300.00} XX/XX/2021. XXXX {$2000.00} XX/XX/2021XXXX XXXX XXXX XXXX  {$330.00} XX/XX/2021. XXXX XXXX XXXX {$2600.00} XX/XX/2021. INQUIRIES : XXXX ADDRESSES : 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

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX
Product: Prepaid card

I own two Google gift cards : one is a {$200.00} card that has not been redeemed into my Google account, and the other has been redeemed, leaving a balance of {$170.00}. I now request that Google refund these funds to me because they have locked my account. The absurd reason is that their identity verification is entirely automated and requires the credit card number and name to be displayed on the front of the card, but all my credit card information is on the back. This caused my verification to fail, and customer service told me they are unable to bypass the systems identity verification. As a result, my account was locked and they can not refund the money in my account. It took Google a full year to provide me with this response.
Product: Credit card or prepaid card

I had a credit card with Barclay 's. It was closed around XX/XX/XXXX, Mastercard ending XXXX. On or around XX/XX/XXXX XXXX XXXX issued a refund for a cancelled flight in the amount of $ {$1000.00}. According to XXXX a check went to the credit card that was used for the trip. ( XXXX ). Finally after five hours on the phone I spoke with the Security Dept of Barclay 's. According to the man I spoke to the case # XXXX has to be investigated because the account was closed because of fraud. Let me explain. 
A magazine, XXXX XXXX, submitted a bill to The credit card in amount of {$15.00}. I filed a protest and the account was closed by me. I have all the letters from Barclays telling me that I was not responsible for the charge. Now Barclay 's refuse to send me the amount refunded by XXXX. They deducted the above {$15.00}. I am XXXX years old and not in the best health. This is causing a lot of stress. I can't fight a big company without your help. f you need I have all the information. Please help me. I don't know how to send documents via the internet only by mail. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Checking or savings account

I opened a 360 Savings account with Capital One Bank because it was advertised as a high-yield savings account. I chose this account because the advertised interest rate was 4.35 %. I am filing this complaint because Capital One only upheld this first interest rate upon the initial entry of opening the account. Without notification, Capital One then changed the account 's name to 360 Performance Saving and the interest rate on the account to 0.3 %. I opened the account in XXXX XXXX XXXX and am appalled at the amount of money I have been cheated out of and would like proper reparations to be made to me.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate.

INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Checking or savings account

We currently have a business checking account with Truist and process our monthly payroll as a recurring ACH payment that goes out on the XXXX of every month. For the month of XXXX, the ACH payment for payroll has been in process since XX/XX/year> and the employees have not received their pay for over 8 days now. 

I originally called Truist on XX/XX/year> and was told to give it 2-3 days for it to process. However, the issue was not resolved. I called back on XX/XX/year> and spoke to a gentleman named XXXX. I received a incident ticket XXXX and was told it should be resolved within 2 business days. The issue STILL has not been resolved. I called on XX/XX/year> and spoke to a gentleman named XXXX was told that the incident ticket was not processed because it was missing information. And now I am being told that there's no time table on when this issue will be resolved.
Product: Student loan

I have outstanding student loan debt that has grown significantly that I can not afford to pay due to me being put into forbearance status time and again instead of putting me in an income based payment plan like I have asked for. This has been slowly killing my credit and is making it impossible for me to get out of debt. Most of the loans are Federal through Navient but a few are private through Navient. I have had some major life changes where I am now at home and unable to work due to other responsibilities to my infant, XXXX children, and XXXX mother. Please help me get them to enroll me in an income based payment plan so that these can stop damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My patience is getting very thin with Equifax. To the point where I am about to retain an attorney. A XXXX called me on XX/XX/19 at XXXX pm. She told me that the inquiries in the attached document would not be removed, even though Equifax stated that they would. That is unacceptable and I have the ammunition to sue because they removed them and then added them back on. I need those inquiries in the attachment to be removed asap. I have sent over information and identity theft affidavits verifying identity fraud and now Equifax decides that they are going to add information back on to my report without my permission after they said they would remove it and they put it in writing. I don't think so. I am giving them one more chance to fix this before I exercise my rights to file a lawsuit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am filing this complaint against XXXX, Experian, and XXXX for their failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX mortgage account ( # XXXX ). Despite submitting two prior dispute requests on XX/XX/XXXX and XX/XX/XXXX, the credit bureaus have neglected to make the necessary corrections, resulting in a continued violation of my federally protected consumer rights. 
Discrepancies : Last Verified : Only appears in XXXX. 
Last Day of Activity : Different dates across XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
Closed Date : Reported only by XXXX as XX/XX/XXXX ; missing in Experian and XXXX. 
Account Rating : Listed as " Closed '' in XXXX, but " Paid '' in Experian and XXXX. 
Account Status : Reported as " Closed '' across all bureaus.

Payment Status : Reported as " Late 60 Days '' across all bureaus. 
Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of information in consumer files. My repeated disputes have not been adequately investigated or corrected.

15 U.S. Code 1681b : The reporting of inaccurate late payments violates my right to privacy and ensures only accurate data is furnished to third parties.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the due date to avoid late fees. The reported late payments indicate a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, which appears to have been neglected. 
Impact of Errors : These inaccuracies have caused undue harm to my creditworthiness, including potential denial of credit opportunities and higher interest rates. 
Desired Resolution : Immediate removal of the late payment notations ( XXXX and XX/XX/XXXX ) from my credit report across all three credit bureaus. 
Written confirmation from XXXX, Experian, and XXXX verifying the corrections. 
I have attached supporting documentation, including copies of previous dispute letters and my credit reports highlighting the inaccuracies. If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for addressing this matter. Please confirm receipt of this letter and inform me of any actions taken to resolve my complaint. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

CitiBank has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Debt collection

I am writing to formally dispute the reporting of certain collection account on my credit report that I did not authorize or contractually agree to Portfolio Recovery Associates , LLC y account number ( XXXX ) was reported without my consent, and I demand its immediate removal as they are inaccurate and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), furnishers and credit reporting agencies are required to ensure that all reported information is accurate and verifiable. Since I never entered into any contractual agreement with these collection agencies, I dispute the legitimacy of these accounts and request that they be deleted from my credit report immediately. 

Furthermore, I am issuing a formal cease and desist notice to any and all collection agencies attempting to collect on these disputed accounts. Under the FDCPA, I have the right to request that all collection efforts, including phone calls, letters, and reporting to credit bureaus, immediately cease. 
Any further attempts to collect on these unauthorized accounts will be considered a violation of my consumer rights and subject to legal action. 

I have already attempted to resolve this matter with the credit bureaus, but they have failed to provide sufficient verification proving the validity of these accounts. If these collection agencies can not provide a valid, signed contract demonstrating my authorization, they are in violation of federal law and must remove these accounts from my credit file. 

These inaccurate and unauthorized accounts are severely affecting my creditworthiness and financial opportunities. I request that the CFPB take immediate action to investigate this matter and ensure the removal of these accounts from my credit report. Please provide written confirmation of the actions taken in response to this dispute. 

I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute to have a item on my equifax report removed and when I called them to get a update they asked me a few security questions which was fine I answered the questions and they still tried to tell me that it wasn't me they asked if I have other credit cards or department store cards which I said yes they asked what was the monthly payments which I told them and then asked if I had fraud alert on my account and if so what month and year I told them no I don't recall having that on my account they asked me one more question which I can't remember now but I answered it I gave them all my other account information and still got treated as if I was someone else and this from the company that had a major security breach I can go to the website and login but didn't see anything about the dispute so I called them if you can give me any help to take legal action against them it will be greatly appreciated because I am tired of them and their XXXX I gave them all the information I could and still got no help please help me with any information about how to take legal action against them
Product: Credit reporting or other personal consumer reports

XXXX XXXX bankruptcy in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Student loan

I have XXXX different federal loan service providers : XXXX and XXXX XXXX. I applied for a forbearance on my loans until XXXX. XXXX was relatively easy but XXXX has been really complicated. XXXX XXXX is the service provider for my perkins loans, I filled out the form needed to apply for forbearance as directed and mailed that out. When I spoke with a customer service representative from XXXX last week, they said that the form had been received and to keep a look out online for my account to be updated. This week, I end up getting a message from XXXX saying that I had been approved for a forbearance with the exact dates I had requested for my XXXX XXXX ( which is serviced through XXXX ). I dont know how but there was a mix up and when i tried to talk with XXXX customer service they said they had nothing. They didn't try to help me trouble shoot, they basically told me that the notes on the last call I made claimed that they told me no forms had been received XXXX which was not what happened XXXX. Ultimately, I dont know where the mix up happened but XXXX XXXX is making it really difficult to get things in order so that I won't have a late payment. I tried to do all this to avoid a late payment on my XXXX XXXX and they've just made things so much more difficult.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

they have called and left messages with myself and my sister and have my social security number. I spoke with them today XX/XX/2021 and they are saying I owe money on a Best Buy account. I didn't have an account on the dates they said it was opened and closed. They said if I do not pay they are going to file paperwork to take me to court and I better have the full amount because I will loose the judgement. I have been hung up on every time they don't like one of my answers. I am scared that they have personal information and worry they will be making up a false lawsuit. the company they say they are calling from is XXXX XXXX XXXX and the number is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXXXXXX 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

I was behind in payments with XXXX XXXX. The account became 120 days delinquent and they reposed the car at that time. I called the same day that the car was reposed to see what my options were. They explained the process and how much it would be to get my car out and we set up a new payment plan with a new payment date. They still continued to report my account as delinquent to the credit reporting companies even tho I entered into a payment arrangement and made my payments since on time every month.
Product: Prepaid card

Hello I am in CA and my XXXX BOFA card was hacked severaltimes over the time frame of the pandemic. Unable to recover those funds fraudulently taken from my account. 
I have read the press release and have XXXX the actions taken by your agency against BOFA. Part of the order instructs BOFA to reimburse those people with any funds stolen. However, I can not locate ANY information on how one participates in this process of reimbursement?? XXXX XXXX XXXX XXXX XXXX and am dumbfounded. as I can not locate any locate. 
Please Advise XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased a money order from XXXX XXXX XXXX # XXXX on XX/XX/year> at XXXX EST. I have the store receipt and the money order receipt that displays the money order barcode. 

I mailed the money order to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, MD XXXX for a deposit on a class. 

I mailed the money order on XX/XX/year> at XXXXXXXX XXXX EST, using the drop box outside at : United States Postal Service XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX in a distinctive blue envelope and I have been informed that XXXX has not received it by XXXX  and XXXX ( Using initials of the individuals ). 

I contacted XXXX XXXX today and reached a staff member who was not personable. She claimed she needed my ID to research further. I made the call at XXXX XXXX EST. I requested the staff member have the lead manager XXXX call me back. I left my phone number and first name with her. 

It seems like the disappearance of the money order is intentional. Please have Western Union track the money order, investigate if it has been cashed and provide a replacement money order to XXXX. The amount is {$25.00}. The code on the money order is XXXX Thank you, XXXX XXXX
Product: Debt collection

I was asked to pay a debt I do not owe to Rushmore Servicing, XXXX XXXX XXXX ( both debt collectors ) and XXXX XXXX. As required by the Fair Debt Collection Act and Massachusetts Fair Debt Collection Act. Pursuant to MA GL Part 1 Title 15 xz CH106 Article 3 Section 3-118 ( b ) since there have been no payments made for a continuous 10 years this debt action to enforce is barred. These companies were told to stop collections on a barred debt and take no further action against me. They have refused to respond to FCCPA requirements and will not present a viable creditor for this loan. They also continue foreclosure proceedings against us. 

My husband 's signature is a forgery. He did not appear at the closing and this debt was not funded to him. I never gave authorization for a mortgage on our property. We know under Massachusetts law that the security is void where there never was authorization to provide a mortgage.