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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX XXXXXXXX Account Dear CFPB, I am writing to dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ( Account Number : XXXX ). These late payments, specifically a 30-day late payment for XX/XX/XXXX, a 60-day late payment for XX/XX/XXXX, and a 90-day late payment for XX/XX/XXXX, are incorrect and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : These late payments are false and inconsistent with my payment records, as I have consistently made on-time payments through autopay. 
Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : Reporting and failing to correct inaccurate information violates the Fair Credit Reporting Act.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect payment history may constitute a deceptive or misleading practice.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act requires the accurate reporting of credit and payment terms.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these requirements subjects the responsible parties to legal penalties. 
Summary of Discrepancies Equifax Reported 30-day late payment for XX/XX/XXXX, 60-day late payment for XX/XX/XXXX, and 90-day late payment for XX/XX/XXXX. 
Payments were consistently made on time, and no delinquencies occurred. 
Requested Resolution : I request the following : Conduct a thorough investigation and remove the erroneous late payment entries.

Update my credit file to reflect accurate and truthful information.

Provide written confirmation of the corrections within 30 days, as required by the FCRA.

Enclosed are supporting documents, including payment records, to validate my claim. I expect your prompt attention to resolve this matter. 
Thank you for your immediate cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

See attached. Please advise what type of document and/or information is not provided.
Product: Payday loan, title loan, or personal loan

requested a line of credit for my bussiness that has been in operation for 4 years subsequent to being misinformed for years that i could not establish 1 prior to this i asked would this involve my personal credit i was informed it would not be which was not the truth i was in the process of purchasing a home my credit had just been adequate enough for a home loan a major set back
Product: Credit reporting or other personal consumer reports

I recently discovered that a credit card account was opened under my name/SSN without my authorization. I am unsure how my information was obtained. The account was opened on XX/XX/year>2024, with Bank of America. The first transaction occurred in XX/XX/year>2024, and the card is currently over its limit with a balance of {$520.00} on a {$500.00} credit limit. Unfortunately, I am unable to access further details as I can only see this information through XXXX. I've attached all account informationbelow. I have already frozen my account to prevent further fraudulent activity. 

I've contacted BOA regarding this matter, however, they responded that they don't have any record associated with my SSN. They said that if it is an commercial or other company 's credit card through BOA, BOA does not have details. 

Also, I noticed XXXX hard inquiries and several soft inquiries for credit card applications that I did not initiate on XXXX and XX/XX/year>2024. 

I would appreciate your help getting more information. I am currently filing a dispute with XXXX to get back my credit score. Your help will really helps. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of my personal information and inquiries by the three major credit bureausXXXX Experian, and XXXX. Specifically, my credit reports reflect incorrect or outdated names, addresses, and employment history. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went in Chase Bank last year in attempt to open an account and they informed me that several accounts were opened in my name. Then, I contacted Chase Bank about the multiple checking and savings account that were opened fraudulently using my information. I reached out to Chase over a year ago on XX/XX/2019 to get this resolved, and was told to complete the " Identity Theft Declaration of Claimant '' Packet and turn it in within 15 days. I immediately completed the packet and listed all 6 fraudulent accounts that were opened using my information. I mailed the packet back to the address I was directed to send it to : ( Mail to : JPMorgan Chase Bank, N.A Customer Claims Department Attn : XXXX XXXX XXXX XXXX XXXX, OH XXXX Fax : XXXX ) It has been 12 months and I haven't received any information back on that. I need those accounts cleared from my name because I NEVER opened a Chase account, and its messing up my credibility. I can't even open an account with Chase either. All the closed Chase accounts attached to my SSN/NAME weren't opened by me. Please fix this immediately! Ive done my part, i would like for you all to do your part and clear those records from my name! I would like to be able to open up an account with Chase.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681C-2 & 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking this transaction was unfeassible. The CFPB 's findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect Inc. is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on my credit. I immediately called and settled this debt with them. I had never received a letter, call or any notices regarding the debt I had with them. This violates my 30 day right to dispute or the right to pay it before it reports on my credit. I ask that you delete the collections from my credit file.
Product: Student loan

Eligible for XXXX XX/XX/year> with XXXX payments. Submitted XXXX form, with XXXX qualifying payments as on XX/XX/year>. I have been at XXXX payments, have been forced to make several payments despite over XXXX  months of eligibility. The transfer of XXXX to dept of edu put XXXX processing into a pause, which is now over. Ive been waiting XXXX  months and yet my loans are still not forgiven. This is predatory and unacceptable.
Product: Checking or savings account

I received an offer in the mail from Citi Bank. Open an Accelerated Savings Account and receive a Cash Bonus. I responded and opened this Savings Account with a {$32000.00} deposit on XX/XX/22 in order to receive the Cash Bonus of {$300.00}. The money had to remain in the account for 90 days to qualify for the Cash Bonus. As of XX/XX/22, my account has not been credited with the Cash Bonus of {$300.00}. I have contacted Citi Bank Customer Service a number of times, ( all of which I have noted in my file ), and have not received the Cash Bonus or any reasonable answer as to why it hasn't been issued to my account. Supervisors have said they would check into it. I have complied with all of Citi 's requirements for this Cash Bonus but Citi Bank has not. I am exhausted with telephone time on this issue and hope that I can receive help from a consumer advocate source. Please contact me if you need further information in this matter. Thank you.
Product: Vehicle loan or lease

I may have fell behind with the payments but i also paid double the monthly payment on XX/XX/XXXX which i thought would cover XXXX and XXXX then also paid more than triple the payment on XX/XX/XXXX {$2100.00}. I thought that would cover XXXX and part of XXXX. XXXX was 30 days past due in XX/XX/XXXX, ( 30 days late ) and i made a payment XX/XX/XXXX of {$2100.00} which should have covered XXXX, XXXX, and XXXX  100 % and left over approx $ XXXX late fees towards XXXX XXXX payment. which would have not really have been late until XX/XX/XXXX and you received a payment before that due date ; however, i have 5 late payments reporting in the last 5 months not 2 at the most based on the payment details outlined above. Please see the attached letter. I'm humbly asking for help with this matter.
Product: Credit reporting or other personal consumer reports

Dear transunion PAST DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : No notice of dispute. Delete for violation of FCRA XXXX ( a ) ( XXXX ). I disputed on XXXX by XX/XX/XXXX there was no notice of dispute. Delete this account for false reporting & failure to update information under FCRA rights remove or delete immediately. 

SOLUTION : i want this account removed or deleted for no notice of dispute thats a violation been about XXXX months. nothing was verified or no investigation from since last reported dates XX/XX/XXXX & no phone number to verify me information from grow credit systems. Delete or remove grow XXXX
Product: Credit reporting

I am unable to log in to the XXXX website : XXXX. I attempt to reset my password ; but, it tells me that one of my security information questions is incorrect ; which it is not ( the model of my first car ). Their reply was : Our records indicate the security questions you are prompted to answer are based on the bureau information provided by Experian. Should you feel the answers are incorrect we would suggest you contact Experian to discuss the responses. The may be reached at ( XXXX ) XXXX. Their website also states this number to speak to a representative, which there is no option through their IVR. That is inexcusable. Flat out, they are reporting the model of my first car on my public record as inaccurate and I need it fixed! I need to have someone from Experian call me to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing as a late payment. These payments were deferred at the time and should have never shown as late in the history in XXXX and XXXX.
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 {$11000.00}. 
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/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 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.

-- COLLECTION ACCOUNT 1. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account.
Product: Checking or savings account

Citibank sent me a fraud alert message on XX/XX/XXXX and my account was closed and a new card was issued. After the XXXX several charges were also made from XXXX eats and none of these charges were authorized.The following charges were unauthorized XXXX XXXX both on XX/XX/XXXX XXXX both on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX I never use the debit card I filed a dispute and they denied it
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My indentity was stolen and now I have hard inquiries on my credit report that werent authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcies and tax liens & judgment that are incorrect.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00}, XXXX XXXX XXXX Balance : {$430.00}.
Product: Debt collection

In the last few months of  XX/XX/XXXX ,  XXXX   XXXX  raised our monthly payment for account #  XXXX  by approximately {$45.00} for no apparent reason. Our service had not changed for years, and we had a bundled phone line that ( 1 ) was supposed to reduce our payment and was suggested by them and (  2 ) had never been used one time  in the 4 years that we had it. Because of this mystery rate increase, we were advised by  XXXX  to remove the phone line from our account, which made sense to us, so we agreed.  XXXX  was never able to accomplish their side of the agreement and the extra charges continued to  two more month. After three long phone calls, with no success, we decided that the  only way to stop these charges was to close the account completely, which we did. Our final bill was for {$51.00} and after trying unsuccessfully 3 times to pay it on the website, the same way we always paid our bill, I mailed a check, which cleared the bank on  XX/XX/XXXX  ( see attached ). I 've been receiving threatening mail from  Credit Protection Association, L.P. ( see attached ) ever since that time,  even though I 've given this information over the phone and mailed copies to them directly. This company does not offer an email address that would allow me to document this correspondence. We want this harassment to stop without our credit being effected. We did not owe the money to begin with, but we paid it to get  XXXX  to stop bothering us about it and that did n't work either.
Product: Debt collection

The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX  XXXX are debt collectors attempting to collect multiple debts from me on behalf of medical services, I have not received from them. My credit file was flagged two times on XX/XX/2021 for {$2200.00}, and for {$1000.00}. 
I am not a, party to their agreement with XXXX XXXX XXXX and I have not agreed to pay anything to The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as Law Offices XXXX. I did not receive any documentation from The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as LXXXX XXXX XXXX to allow them to verify the accuracy of their data before placing their account with the credit bureaus for collection I have no idea how The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX  XXXX are received my private medical information. The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX XXXX are violated my H.I.P.P.A. rights and is attempting to collect multiple debts that do not belong to me. The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX XXXX continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. 
Please be advised that The Law Offices of Mitchell D. Bluhm and Associates are not holders in due course and they do not have a permissible purpose to use my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fait credit reporting act XXXX  account number XXXX 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
Product: Debt collection

Debt was discharged in Chapter XXXX bankruptcy. Original creditor REPORTS it as such. Whoever this is apparently tried to buy bad debt AFTER the chapter XXXX and is trying to collect on debt that was discharged. They report it as CLOSED, yet they report it as LATE every month. ILLEGAL and I want it to STOP! IF XXXX show the debt was discharged, they CAN NOT pass it off and sell it to someone else after the bankruptcy to try and collect!!!!!!!
Product: Credit reporting

There was a coding error with a Doctors visit ( XX/XX/XXXX ) which was resolved with XXXX XXXX billing Dept. XXXX XXXX picked up the collection. In a 3 way phone conversation ( XXXX billing, XXXX and XXXX XXXX XXXX, XXXX XXXX Billing Dept. told XXXX XXXX that they were not the collection company authorized to make collection and that there is a XXXX balance on the XXXX XXXX Account. XXXX XXXX Billing Dept. Forwarded a two year billing history to me, which was sent to XXXX, XXXX, and Trans Union credit reporting agencies. All XXXX Reporting agencies did not acknowledge the reporting documents in the investigation. Because XXXX is the only agency that has a telephone number to resolve issues. I made a reinvestigation with XXXX only ( ref # XXXX ) XXXX at XXXX stated that there were no notes regarding the billing history in their investigation. I am convinced that All XXXX agencies took the same lack of investigation. 
In addition to the lack of investigation, XXXX XXXX was requested to send an itemized account regarding this issue in XX/XX/XXXX and has not been delivered to this date XX/XX/XXXXIn conclusion, I am not apposed to paying a debit that I owe. I do not feel that a persons credit should suffer as a result of a wrongful case management.
Product: Debt collection

Cease and Desist All unlawful actions. 
XX/XX/XXXX To : Wells Fargo card services From : XXXX XXXX Wells Fargo Card Services has not been given my Express written permission to place anything on my credit report.

15 USC 1692b. 
This is a {$1000.00} Civil Penalty Wells Fargo Card Services knows this debt was under dispute but yet they continue to show it on my credit report during the dispute.

USC section 623 ( a ) ( 6 ) ( A ) This is a {$1000.00} Civil Penalty for each time they continue to list this debt on my credit report. Here are the dispute numbers and the dates. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They were all XXXX XXXX disputes. 
They are all Civil Penalties.

1692k says it's {$1000.00} per violation That's a total of {$10000.00} for those Civil Penalties. 

Wells Fargo Card Services has charged off this account with the IRS and took a tax deduction but never gave me a 1099 a or 1099 b to offset my taxes. That's another civil penalty of {$1000.00}. 

Wells Fargo Card Services continue to show a balance of {$5500.00} knowing they already took a charge off and a tax deduction on the total amount of that debt. That's a {$1000.00} Civil Penalty.

15 USC 1691 e Any creditor who fails to comply with any requirement imposed under sub chapters shall be liable to the agreed applicant for any actual damage sustained by such applicant..

Damages : 1 : My credit card with XXXX XXXX was canceled because this debt was sitting on my credit and they held it against me. 

XXXX : XXXX XXXX refused to increase my credit limit because this debt was sitting on my credit report as derogatory Relief from damages are needed as follows. 
Action to take : Remove this debt from my credit immediately. 

Pay me damages of {$13000.00} according to the Civil Penalties Listed in 15 USC 1691 e And 15 USC 1692k Make any check out to XXXX XXXX. 

Thank you very much Consumer Finance Protection Bureau