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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate of unverifiable information ( A ) general if, after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following item ( XXXX ) from my report, immediately : Account : XXXX  | XXXX  XXXX | {$10000.00} -This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX showing closed with a balance of {$150.00} on credit report. I made the payment in the amount of {$150.00} for this account to XXXX XXXX XXXX. Reference Number XXXX, on behalf of XXXX XXXX, yet account still shows on my report with balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  reported on credit report XX/XX/XXXX XXXX/ XXXX  reported on credit report XX/XX/XXXX XXXX  XXXX reported on credit report XXXX Credit Plus reported on credit report XX/XX/XXXX and XX/XX/XXXX I have not authorized any of these
Product: Credit reporting, credit repair services, or other personal consumer reports

These arent not mine. They are fraudulent. Please remove as soon as possible. 

-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, per the FCRA, I notified XXXX XXXX XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Report Information Dear Sir/ Madam , I am writing to dispute incorrect information on my credit report. After reviewing the report dated XX/XX/XXXX, I found several errors that need to be rectified as soon as possible. Please find below the specific discrepancies I have identified and my request for corrections : 1. Name Discrepancy Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth Incorrect : XXXX Correct : XX/XX/XXXX XXXX. Address Discrepancy Incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Correct Current Address : Incorrect Previous Address : XXXX XXXX XXXX, XXXX, PA XXXX Correct Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Correct : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 4. Employer Information Incorrect : XXXX Correct : XXXXXXXX XXXX XXXX XXXX Please investigate these discrepancies and correct them promptly. I have enclosed a copy of my Pennsylvania Limited License for your reference and to verify my identity. I trust that you will update your records and reflect the accurate information in my credit report. 

If you require further information or documentation, please do not hesitate to contact me. I expect a written confirmation of the changes once they have been made. 

Thank you for your prompt attention to this matter. 

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

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Bank account or service

Navy Federal Credit Unionsays I owe them money but will not show me any account documents, wont send them to my only known address, Our LAW FIRM sent NFCU and XXXX & XXXX Affidavits stating XXXX XXXX XXXX XXXX address at XXXX XXXX XXXX XXXX XXXX WA XXXX and no other. NFCU continues to LIE and comitt criminal activity, their phone number NFCU 's XXXX is always busy and NFCU is rude and refuses to address this issue. If the accounts of service members are being compromised then this is a national security issue. At the very least their should be correspondence from NFCU to XXXX XXXX XXXX XXXX, there is NOT! Please understand that this needs to be turned over to the Department of JUSTICE for continued criminal investigation. MORE DATA BELOWResponse disputedXXXX said : Explanation of closureXXXX has reviewed the complaint and its records. The disputed address XXXX XXXX XXXX XXXX has been deleted and the disputed Navy FCU XXXX is currently not reporting on the XXXX credit file. 
ReliefThe disputed address has been deleted. 

ResponseXXXX reviewed the complaint, its records and initiated a reinvestigation. *XXXX did not receive any additional communications from the consumer during the review of the complaint. *XXXX will mail the results of the reinvestigation within XXXX days. 
WHAT HAPPENEDProduct Credit reportingIssue Credit monitoring or identity protection : Problem with fraud alerts ( initial 90-day, extended, active duty, etc. ) Describe what happened so we can understand the issue ... 
Identity Thief tried to establish a Navy Federal Credit Union AccountThe Identity Thief 's address isCurrent/Previous Street Address Date Reported TelephoneCurrent XXXX XXXX XXXX XXXX, FL XXXX First Reported XXXX/2015Last Reported XXXX/XXXX/2015 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -for which I notified the Criminal Division & Civil Rights Divisions in the Dept of JUSTICE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information with Transunion and they have not done a thorough investigation nor supplied me with the proper validation of the said debt and inaccuracies that are reporting on my credit profile. There are several accounts in which I have proven to be inaccurate. I have called and spoke with representatives who have disconnected my calls, transferred me to departments who could not assist, and sent multiple letters requesting a FAIR and just investigation and they are being non compliant.
Product: Bank account or service

I started receiving correspondence from the bank in XXXX 2015 stating that I had overdraft fees. I immediately opened my bank statements online to find out what was happening. I noticed that I had charges from XXXX and XXXX XXXX. I contacted the bank and told them the charges were not authorized and that I did not understand why I was being charged overdraft fees from them for unauthorized charges. They told me to contact the companies and see if I could have the charges reverted back to my account. I was informed that if the companies refunded the charges the overdraft fees would be refunded to my account. On XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX refunded most of the charges. Today I called my bank to have the non sufficient fund charges refunded to my account and was placed on hold several times with the ending result being informed I would have to receive a return call. When the agent, XXXX, returned my call she said she had spoken with her supervisor who informed her to tell me that they would not refund the insufficient overdraft fees because the company had refunded the charges. I do not see how this is fair since this was not my fault. I followed the procedures that I was given my the agent in XX/XX/XXXX. The companies did reimburse. The bank is the one who allowed the charges even though I did not authorize the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Equifax, XXXX and XXXX denoting that I had been a victim of identity theft by reason of lack of consent and permissible purpose ( 15 USC 1681b ). I attached an FTC identity theft report along with all the alleged accounts that were being furnished on my consumer report. According to 15 USC 1681c-2, information that has been identified by the consumer ( me ) to be a result of identity theft must be blocked within 4 business days of the receipt by such agency. It has been 30 days and I have yet to have the information blocked as well as I have not been able to garner a response from any of consumer reporting agencies. These are clear violations of the FDCPA.
Product: Credit card or prepaid card

I noticed unauthorized items on my credit report in the amount of {$570.00}. I would like to have the the following removed from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit I found these fraudulent accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

We have a checking account with Bank of America ( for many years ). Our checking acct is under the names of XXXX XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, my husband wrote check # XXXX for {$2500.00} payable to XXXX XXXX for a description of XXXX XXXX trip. XXXX let us know that he never received the check in the us mail. When we checked online, we saw a copy of the check and XXXX XXXX  name had been scratched out and someone named XXXX XXXX name had been written in and he had deposited it into his XXXX account. For some amazing reason, BOA allowed this and debited our account the {$2500.00}! We had to write a replacement check ( we were afraid to send to XXXX XXXX so my husband wrote a replacement check number XXXX to another friend for the XXXXXXXX XXXX trip. ) BOA originally told us it would take 7-10 days to put back in our checking account and we still dont have it. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXXXXXX XXXX account, account number XXXX Specifically, late payments were reported for the months XX/XX/year> Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
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 : DEPTEDXXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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: Vehicle loan or lease

Ibe asked several times over a period of a few months to have information properly updated, because the only information reported ; however incorrect is public information and used as such by any private parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AM FILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THE LETTER OF THE LAW '' XXXX, Experian XXXX XXXX are failing to comply with FCRA laws & sections. I was the victim of Identity theft & have reported the information to all 3 credit reporting agencies ( CRA ). I've provided them with a police report, identity theft report and identifying documents to substantiate my position. They have failed to provide me with any verifying proof these accounts, which were opened fraudulently, belong to me or I have any legal obligation. The following accounts & addresses were opened without my knowledge, consent or authority & I need them blocked/removed from my credit. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm including the police report, identity theft reports & my verifying documents to prove my position. Please see the listed accounts are removed/blocked from my credit report
Product: Credit reporting or other personal consumer reports

I noticed that I received an inquiry on my credit report. For a XXXXXXXX XXXX credit card. I asked the credit bureau to to remove it, and the address that was associated with my credit report because of the inquiry. The bureau TransUnion has done nothing to remove it. 
TransUnion please remove : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX I have no association with this address, please remove from my credit report.
Product: Student loan

I have entered into the XXXX XXXX relief program and Sallie Mae is part of the debt I have acquired assistance with. They were sent notification of this as well as a cease contact for myself and my co-signer, but once again ( see my records as I have filed a complaint against them before ) they are continuing to try to contact us and are starting to contact family members not involved with the loan and try to get personal information along with providing private information which is once again against the law. They keep violating my privacy as well as my co-signer and have been notified they are to cease contact, as a debt relief program is handling their debt. I am seeking help to bolster the cease contact they are breaching, and I am informing my legal counsel of this breach and will be providing the transcripts my relative provided.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX with a balance of {$20000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$14000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$530.00}, XXXX XXXX XXXX ( XXXX XXXX XXXX with a balance of {$1000.00}.

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

I received a call informing me that they were processing an order in regards to a complaint filed against me and I had the opportunity to provide my address to the " information center '' so documents could be served to me at either my home or work address. I was given a case number. When I called the number with the referenced case number, I was told I had a delinquent account from XX/XX/XXXX, which was sold to a group of attorneys and finance company to collect funds. I was told it was a XXXX XXXX XXXX credit card I opened XX/XX/XXXX and was delinquent XX/XX/XXXX. I was told I could pay {$800.00} on a {$1800.00} delinquency. A document was sent to my email to sign to clear the delinquency and avoid legal action. They also explained that the phone call was to determine if the delinquency was purposeful or inadvertant. I explained I was unaware I had a credit card from XXXX and that I was going to check with XXXX to determine if this information was accurate. Upon speaking with several representatives at XXXX, I learned I did not have any credit cards with XXXX, and none that were charged off as delinquent. I called the " agency '' back and informed them of their error. I did receive their full mailing address and the agency name : ARG & Associates ; XXXX XXXX XXXX XXXX ; XXXX, AL phone number XXXX
Product: Checking or savings account

On XX/XX/2019 Chase Bank closed account without reason or warning. Positive balances and have had accounts over 10 year period.
Product: Mortgage

Actually I just filed another complaint a couple seconds ago and then saw something else disturbing with my account, Bank of America is stating I have n't made a payment since XXXX/XXXX/15 which simply is not correct. I logged into my bank account and have payments that were processed since then. This is all on autopay so there 's no oversights ... Just one more issue that shows the incompetence of BOA!!!!!!!!!!! 

Attached is a printout of the 'last payment ' ( XXXX paragraph ) and also shows how they are indicating I owe much more than I do. 

Add yet one more issue to the long list, so if in their records I have not made a payment since XXXX, why just now am I receiving notice of this ( 3 months later )!?!?!? How much in fees have they been charging while providing no notification..???
Product: Debt collection

Convergent Outsourcing Inc. keeps contacting us via mail re a XXXX debt we do not owe, and have never owed. For years, we have used a different carrier for cell phone service. This company is known for attempting to fraudulently collect debts that are not even owed. Maybe there is someone with a similar name who does owe a debt.