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

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by XXXX. Pursuant to my rights under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : Experian and XXXX both report the last update as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This slight difference XXXX not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : XXXX has a different account number, while XXXX and Experian has the same. 
XXXX. Comments : o Experian : Charged off as bad debt. 
o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : Experian and XXXX both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the Experian report but is correctly listed as {$5600.00} on both the XXXX and XXXX reports. 
XXXX CREDIT LIMIT : for XXXX XXXX reported as {$0.00} while it should be {$5600.00}, similar to XXXX and how Experian should have reported the high credit, this requires a correction as well. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 
In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 

You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting or other personal consumer reports

I have requested them to validate when I have been late on my mortgage or XXXX XXXX  accounts. They nave not prodded the method of verification whom and when they spoke to anyone The telephone number or anything. Ican assure you I have the documentation to prove XXXX  never been late additionally the law indicates that before you place negative information on a consumer gel it must be verofie. ITs and can not be verified. This is breaking the law. The law that was placed to protect condiments is not being verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Payday loan, title loan, personal loan, or advance loan

My most recent payment on this loan was XXXX was due on XX/XX/year> that amount was debited from my account, the previous payment was due on XX/XX/year>, but I disabled " autopay '' so those funds were not debited from my account for the month of XXXX. When I disabled that auto pay I was under the assumption it would be like most institutions and i would not be billed until it's turned back on, when I reached out to UPSTART/XXXX  to have the payment for XXXX returned they advised me that they would not be able to do that. And a rep told me that I would need to make autopay election at least three business days before the due date. leading me to believe that when a customer turns off auto pay on their platform it defaults back to on regardless of the customer 's intent. I have consulted a debt resolution firm called XXXX XXXX to help me resolve this in addition to other items. I had informed them of this but they seemed indifferent to my remedy to this situation. I also wanted ot remove both my accounts from their platform and I was advised that it was not possible to do that. I am not sure what my rights are in this matter or if I even have right with regard to the above described events.
Product: Vehicle loan or lease

The company is fully aware of my financial hardship & the situation that is directly responsible for it. I have tried several times to request help in regards to deferring payments but their rules do not that. They have also started spam calling my phone throughout the day despite the fact that I have requested an investigation into the discrepancies on my account. They are in direct violation of the Fair Debt Collection Act due to this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported my mortgage account 30-days past due when it was not. The account was due on XX/XX/21. Payment was made on XX/XX/21 and posted on XX/XX/21. While payment was late, it was never 30-days late. 

I have attached a statement which shows the date of payment of the mortgage as well as a screenshot of the payment history on my account at XXXX XXXX. You can see on the bottom of the statement where it shows payment due on XX/XX/XXXX and payment cleared on XX/XX/XXXX ( depending on how you count it is 28 or 29 days late ).
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Product: Consumer Loan

I financed a automobile, it broke down ( transmission went out ) was told by a repesentive of the fiance company that they would help me out, that was a lie. Then after it being broke down for 3 months I told the finance company to come pick up the car. Owed {$4000.00} at that time, they sold it at auction for {$2900.00} then I never received any bill or statement what was owed. I did a check on my credit, they reported the information wrong. They said I owed {$5100.00} on a one month loan, I disputed their reporting because of errors and they now entered it as a new line of credit and still no bill of what 's owed. I feel they violated the fair credit reporting act. Any help would be appreciated.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent Experian a formal dispute regarding inaccuracies in my credit report. My letter, which was signed and dated, included a detailed outline of discrepancies in several accounts, referencing Fair Credit Reporting Act ( FCRA ) violations and Metro 2 compliance standards. To support my dispute, I provided : A signed and dated letter outlining the disputed items. 
A copy of my government-issued identification. 
A copy of my Social Security card. 
A recent utility bill reflecting my current address. 
The accounts I disputed contained inconsistencies in balances, statuses, and dates when compared to reports from other credit bureaus, raising concerns about the accuracy of Experian 's data. 

Experian 's Response On NovemberXX/XX/year>, Experian responded with a letter implying that I did not submit my own correspondence, despite my original submission containing all the required documents and my signature. This response disregarded the thorough documentation I provided and offered a dismissive explanation that failed to address the validity of my dispute or comply with the requirements outlined in the FCRA. 

This handling of my dispute is both unprofessional and non-compliant with federal guidelines, undermining my rights as a consumer and the integrity of the credit reporting process. I am attaching Experian 's response for reference
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: name and address not mine
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  
FCRA Violation: auto loan not mine
XXXX XXXX XXXX XXXX XXXX Violation: auto loan never late
XXXX XXXX XXXX XXXX Violation: credit card not mine
XXXX XXXX XXXX XXXX
XXXX XXXX XXXX Violation: student loan never late
XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
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  
FCRA Violation: collection not mine
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked for a investigation on these inquires because I did not inquire these. I asked for a sign contract so I can show on my license proving it don't match. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have challenged address on my report that doesnt belong to me and they have refused to take them off my credit report.
Product: Checking or savings account

Issue : Bank of America providing my personal information to merchant without my consent. XX/XX/XXXX XXXX to XXXX XXXX XXXX charged my account as an annual charge that I did not consent to. I have received a new debit card since I initially signed up with XXXX  XXXX. They were provided my new card information without my consent by Bank of America. I spoke with a customer service representative who attempted to provide me with the information I requested but could not provide me with the Federal Regulation that allows them to provide my account information to the merchant without my consent. I asked to speak to a supervisor. After XXXX minutes I was transfered to XXXX # XXXX who stated she was a customer service supervisor. She refused to provide me with the information I requested XXXX provide me with the contact information within the bank to get the information. She repeatedly stated it is in the terms and conditions and she would email that to me. I told her that I am asking for the Federal Regulation that allows them to give my personal info without my consent. I then told her to close my account that has been with them since XXXX. She came back and said since it is over this much money I would need to go into a branch. I asked to speak to a supervisor. After XXXX minutes on hold, she disconnects.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send my dispute letters out on XX/XX/2023. It has been well past 30 days now. I asked all three credit bureaus to show proof that the notification of the dispute letter was received and forwarded to the furnisher within 5 days, I ask for evidence of the reasonable procedures that they used to come to such a conclusion that this information was verified. I ask them to show me proof of who they spoke to, when did you talk to them, and to give me the names of the person, what telephone number did they call, and what addresses did they contact. I asked them to provide me with documentary evidence and any other valid information they received during the dispute process. I haven't been provided with the evidence. And I asked that all accounts that were provided in my dispute letter be deleted. And all three credit bureaus ignored my letter. I told them according to 15 U.S.C 1681 section 602 ( a ) the credit bureaus must complete a reinvestigation within 30 days of receipt of the letter.

15 U.S.C. 1681 states that the banking system is dependent upon fair and accurate credit reporting.

15 U.S.C 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Two years ago Wells Fargo provided me with mortgage assistance, but then took it away and now I am facing being kicked out of the home I have lived in since 1996. Money was tight when I retired and my mortgage payment was more than the income I had coming in at the time. I attempted to keep up with the mortgage payment and ended up spending all of my life 's savings to stay current on my mortgage. When there was no more money left, I contacted Wells Fargo and I got a lower payment of about {$500.00} per month that I was very happy with. However, when I received the paperwork from Wells Fargo, the payment had jumped up to over {$1000.00}. I was shocked, but tried to make it work. Although it was a struggle, I made the payments for three months, but then Wells Fargo told me that they had to redo the agreement. They then lost my paperwork and the whole issue became very messy. I made three payments to them, but Wells Fargo has dropped the ball and now I am facing a foreclosure sale on my property. I need Wells Fargo to get this straight so that I can spend the rest of my life in my home! XXXX has insured this loan, so I do n't think that Wells Fargo cares and will just sweep me under a giant rug and be done with me.
Product: Checking or savings account

I observed on my XXXX XXXX XXXX report that there were account in my name opened at Bank of America. I am asking Bank of America to remove this account from my XXXX reports and purge my information from their system as this account do not belong to me. I also called their customer service number and advised them about this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This reporting does not belong to me. Wrong report on my credit report history
Product: Checking or savings account

Bank : CapitalOne I have a XXXX Money Market Savings account that is currently paying interest of XXXX XXXX I thought it was very low and looked on their website and found that they do not show the XXXX Money Market account but now show a XXXX Performance Savings account at an interest rate of XXXX XXXX with no minimum balance. The manager I talked to could not explain any difference in the rules for the new account vs the old. 

The bank states that they have no way to retroactively make this right. My only option is to open a new account and transfer the funds after the fact. 

My complaint is that banks can simply change the name of the account and offer a higher rate while the existing customer is not notified that higher yields are possible. This practice is deceptive and only benefits the bank. It is very costly to me.
Product: Credit reporting or other personal consumer reports

I've identified information on my credit reports that are the result of identity theft. These items are no related to any transactions completed by me. 


XXXX XXXX XXXX XXXX By law, they have 4 days to correct this, not 30. 15 USC 1681 ( C ) 2, related to blocking of information
Product: Credit reporting or other personal consumer reports

Fraud alert on file Collection accounts XXXX XXXX XXXX XXXX Late accounts Georgia Own Credit ( paid in full not late ) XXXX ( paid in full / total loss vehicle ) XXXX ( late payment and account ) prior account was paid in full Charge off account XXXX Bank XXXX XXXX back Hard credit inquiries Capital XXXX XX/XX/XXXX - come off XX/XX/XXXX XXXX XXXX XX/XX/XXXX - unauthorized Capital XXXX XX/XX/XXXX - unauthorized Capital XXXX XX/XX/XXXX - unauthorized
Product: Credit reporting or other personal consumer reports

Your response regarding the disputed accounts and inquiries, including XXXX XXXX XXXX XXXX and XXXX XXXX, is unacceptable and in clear violation of federal law. You have a legal obligation to ensure the accuracy of the information you report, and your blatant disregard for compliance will not be tolerated. 

Issues with Your Response : 1. XXXX XXXX XXXX XXXX and XXXX XXXX : You claimed XXXX XXXX is not reporting on my credit file ; however, I checked my Equifax credit report, and it is still present. This is a direct violation of your obligation under 15 U.S.C. 1681i ( a ) to properly investigate disputes and ensure accuracy. Reporting false or misleading information after a dispute constitutes willful non-compliance under 15 U.S.C. 1681n and is grounds for legal action. 
XXXX. Unauthorized Inquiries : XXXX XXXX XXXX XXXX and other inquiries I disputed must be removed. Your response that inquiries are a matter of fact is baseless and contradicts 15 U.S.C. 1681e ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy. I DID NOT AUTHORIZE THESE INQUIRIES, and your failure to verify them with proper documentation is a violation of my rights. 
XXXX. Willful Non-Compliance and False Statements : You claim inquiries and XXXX XXXX are not reporting or can not be removed. That is a LIE, and under 15 U.S.C. 1681n ( a ), willful non-compliance subjects you to liability for damages, attorney fees, and punitive damages. Additionally, knowingly providing false information to a consumer violates 18 U.S.C. 1028A ( Aggravated Identity Theft ). 

Reference to Current Legal Action Against You : I am aware of the ongoing lawsuits filed against Equifax by the Consumer Financial Protection Bureau ( CFPB ), holding you accountable for inaccurate reporting, failure to investigate disputes properly, and other violations of the Fair Credit Reporting Act. This only reinforces your lack of integrity and failure to comply with federal standards. 

Demands : 1. Remove XXXX XXXX XXXX XXXX and XXXX XXXX from my credit report immediately. 
XXXX. Remove all unauthorized inquiries, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX within 7 days. 
XXXX. Provide the detailed method of verification used to validate these inquiries, including original documentation from the data furnishers proving I authorized them. 

With my state Attorney XXXX office and file a formal suit. Furthermore, I will explore legal action for damages due to your continued violations of the FCRA and willful negligence. 

You have 7 days to respond and rectify these issues. If I do not receive confirmation of removal and satisfactory verification of your investigation, I will escalate this matter immediately.
Product: Credit reporting or other personal consumer reports

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 10 business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation. 



In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State. 

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.