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

Subject : Formal Dispute of Delinquency on Credit Report Dear Sir/Madam , I am writing to formally dispute the delinquency reported on my credit report concerning my accounts with Chase Bank . The account details are as follows : Account Number : XXXX XXXX XXXX XXXX Date of Delinquency : Date Listed on Credit Report XX/XX/2024 Account Number : XXXX XXXX XXXX XXXX Date of Delinquency : [ Date Listed on Credit Report : XX/XX/2024 Reason for Dispute Upon reviewing my credit report, I was surprised that XXXX delinquencies had been reported without my knowledge. I was never notified of this delinquency nor allowed to address it before it was reported to the credit bureaus. As a responsible consumer, I take my financial obligations seriously and believe this delinquency was reported in error. 

Violations of Consumer Protection Laws This situation raises concerns regarding the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. Reporting this delinquency without notifying me violates the FCRAs requirement that accurate and complete information be reported to the credit bureaus. I request that you investigate this matter and remove the delinquency from my credit report. 

Fair Debt Collection Practices Act ( FDCPA ) : If this delinquency is related to any debt collection activity, I was not provided with the necessary verification of the debt, as required by the FDCPA. I request that any debt collection activities cease until this matter is thoroughly investigated and resolved. 

The Truth in Lending Act ( TILA ) requires clear, precise, and accurate disclosure of loan and credit terms. If this delinquency stems from a misunderstanding of my account 's terms, I was not properly informed, and I request that the delinquency be removed. 

Equal Credit Opportunity Act ( ECOA ) : I expect this issue to be handled fairly and without discrimination. If any decision on this delinquency was made based on inaccurate information, I request an explanation, as required under the ECOA. 

Fair Credit Billing Act ( FCBA ) : If this delinquency relates to a credit card account, I could not dispute any erroneous charges or billing errors before this adverse information was reported.
Product: Checking or savings account

Me and my brother have a joint bank account where he was depositing his checks to cover house bills. He deposit a check which was returned according to capital one it was due to an invalid bank account. The employer wont issue a another check because capital one sent them a copy of the check stamped proving the deposit and there account hasn't received the funds. I have contacted capital one 3 -4 times regarding the issue all they can say is that they will send me a letter saying they don't have the funds but my employer as well, its a he said she said situation. Being that I have credit cards and continue to use this account i feel as if capital one isnt taking care of the matter.
Product: Credit reporting or other personal consumer reports

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted over 5 complaints to the credit bureaus. They have refused to investigate the discrepancies in my credit report. I have attached a 3 bureau table showing the errors in my report. Please assist in making sure Equifax, XXXX, and XXXX do their job. Thank you
Product: Checking or savings account

On XX/XX/2018 I received a text alert from Chase saying that someone is trying to send money through XXXX from my account. I immediatly called the fraud department at Chase and told them that i not initiate this transaction and they need to block this and any transactions. Despite this Chase let 3 transfers totaling {$5400.00} to two different people. I went to Chase bank and discussed this matter, the fraud department said they see no fraudulent transaction and that these transfers were made from one of my devices. I DID NOT make these transfers nor do i know anyone of these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian constantly reports incorrect information on my report. It is always late with accurate reporting and there is no reason for my credit to consistently drop an average of XXXX points a month, only with experian. Is there anyway to hold Experian accountable for this constant inaccuracy? The only thing that seems to have caused this is when I got rid of Experian 's product, which was the boost. This can not be a normal business practice for someone that has an excellent payment history and utilizes barely any credit.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears to be on my credit report XXXX after your investigation .I would like this item RE-INVESTIGATED XXXX inaccurate information is highly injurious to my credit Score. 

XXXX XXXX XXXX XXXX XXXX XXXX  IN ACCORDANCE with the FCRA, public law XXXX Title VI, section XXXX 15 USC 1681, please provide me with the names and business address of each individual with whom you verified the info above so I can follow up.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

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 has violated my rights. 

I reviewed my Experian, XXXX and XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

i have been a victim of identity theft these inquiries and accounts are not mine. my data was leaked with the data XXXX FXX/XX/XXXX/2024XX/XX/year> XX/XX/XXXXXX/XX/year>2024XX/XX/XXXXXX/XX/year>2024 XXXX XXXX XXXX - XXXX/XXXX/2024 XX/XX/XXXX XXXX - XX/XX/year>2024 XX/XX/XXXXXX/XX/scrub>/2024 XX/XX/XXXXXXXX/XXXX/2024 XX/XX/XXXXXX/XX/year>2024 XXXX XXXX - XX/XX/year> XX/XX/XXXX XX/XX/XXXXXXXX2024 XXXXXX/XX/XXXX - XX/XX/year>2024 XXXX XXXX XXXX XXXX/2024 XX/XX/XXXXXXXXXX/XX/XXXXXXXX2024 XXXX XXXX OF XX/XX/XXXX/2024 XX/XX/XXXX/2024 XX/XX/XXXX2024 XX/XX/XXXX XX/XX/XXXX- XX/XX/year>2024 XXXX XX/XX/XXXX XXXX - NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Experian four times in the last four months regarding my credit report. I notified them of fraud and so far there hasnt been much done about it except for 1 of 10 negative accounts being deleted. I am a victim of identity theft and I am demanding that they comply with the law and remove the unverified accounts. I spoke with a representative at Experian who admitted to me that they never received proof from creditors stating that the accounts were indeed mine. This is malpractice.
Product: Debt collection

Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is XXXX clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,
Product: Debt collection

On XX/XX/XXXX, I received a call from XXXX XXXX in reference to an " unpaid " debt of {$1200.00}. I proceeded to let him know that this debt has already been paid. He said he would reach out to his client and get back with me. 
I then received another call from XXXX XXXX on XX/XX/2022 that he spoke to his client and they can't find the payment in which the apartment manager signed for.

But admit that payment had been received by the office. 
I then received another call on XX/XX/2022 asking for proof of payment of debt being {$1100.00}, and to have it emailed to his supervisor XXXX XXXX ( XXXX ). While I was listening to him, I was sending thr documents to his supervisor. I continue to asked how did the debt go down, and he couldn't answer me. 
To this day, I have not received another phone call nor a deletion from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Debt collection

this collectors name is XXXX XXXX XXXX XXXX XXXX. i called them and asked them to dismiss charges on account as i have no knowledge of this account. It is identity theft i never opened it. Didnt get anywhere tith them could use your help getting this taken off of my credit report before id die of XXXX. My account is XXXX they are located in XXXX   XXXX XXXX XXXX , XXXX XXXX  ca. XXXX my phone for contact is XXXX the amount is for XXXX they are located headqrtrs is XXXX XXXX   XXXX XXXX va XXXX and there seperate mailing adress at bottom is in XXXX california which leads me to believe this is also sometime of phising scam. the lady on the phone sounded like a complete XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Experian about the inaccurate items that are reporting on my credit report. The first letter I sent did not receive a response. The second letter I sent received a response saying that they believe that I have a credit repair company on my behalf which is insane and disrespectful. I work to hard to be disregarded as if I am not a tax paying citizen. I can't even get a car for a good interest rates. Most of the time I am denied when applying for things. This hurts. All I want to do is be able to provide for my family and I haven't been able to do this because of the inaccurate items being reported on my credit report which makes me very upset. According to the FCRA any item that is being reported on your credit report that is deemed of being inaccurate or unverifiable should deleted ASAP. I demand Experian send me the original application bearing my signature within 30 days or I will continue with my FTC complaint! Anything less then this will not be accepted! Also discovered that I was a victim of the XX/XX/XXXX Data Breach!
Product: Debt collection

I urgently appeal to you to swiftly eliminate the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please rectify this error promptly.
Product: Debt collection

THIS COMPLAINT IS AGAINST TRANSWORLD SYSTEM DEBT COLLECTION AGENCY. PLEASE READ THE COMPLAINT IN FULL BEFORE MAKING A DECISION. 

I was given a bill from XXXX XXXX in XXXX XXXX for a toll & paid it immediatelyXXXX XXXX XXXX  sent me a " multibill '' which had my toll and the tolls of XXXX other people on it. I sent the bill to XXXX XXXX XXXX with a letter stating to point the payment, which was a XXXX. Postal Service XXXX XXXX toward my license plate only. They did not, put it towards the whole account which is " XXXX XXXX '' & then I spent XXXX hours of my life trying to get this resolved. 

Citing an Americans with XXXX Act accommodation request for myself, XXXX XXXX XXXX created several trouble tickets for their help desk with the last call being to their help line at XXXX XXXX XXXX speaking to supervisor XXXX, Id number XXXX, with trouble ticket XXXX. The bill was zeroed out, any fines were dismissed, & they apologized. 

The problem is they have failed to update TransWorld Systems. I called TransWorld Systems and spoke to a " XXXX '', a XXXX XXXX, who since left the company, her supervisor " XXXX '' & left multiple XXXX 's for a XXXX XXXX. TRANSWORLD SYSTEMS REFUSES TO CALL THEIR CLIENT, XXXX, TO GET THE INFORMATION THAT THIS DEBT IS PAID AND CONTINUE TO ATTEMPT TO COLLECT ON A DEBT DESPITE ALL OF THE TROUBLE TICKETS TO THE XXXX XXXX XXXX HELP DESK AND THE PHONE NUMBER, AND THE POINT OF CONTACTS, HAVE BEEN GIVEN TO THEM, THEY ARE ILLEGALLY ATTEMPTING TO COLLECT ON A DEBT WHERE NO DEBT IS OWED. NO ONE WILL HELP ME EVEN THOUGH I HAVE NO BALANCE. THIS IS IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT BECAUSE THEY ARE ATTEMPTING TO COLLECT A DEBT WHERE NO DEBT IS OWED AND KILLING MY CREDIT, NOT TO MENTION MY XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputes wasnt properly investigated or investigated at all item are still reporting inaccurate days months and numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

I have disputed the collection account with Credence Resource Management 3 times now since XX/XX/XXXX and they continue to claim that the debt is verified and accurate. It is not. 

Firstly, the account is almost XXXX XXXX XXXX ( approximately XX/XX/XXXX ), yet they show it as opened XXXX of XXXX. 

Secondly, the amount was approximately {$500.00}, not the {$1400.00} they are attempting to collect. I am trying to improve my XXXX XXXX and this is the only thing holding me back. However, I will not pay this collection, as it is inaccurate and should be almost to XXXX XXXX of dropping off anyway now.
Product: Mortgage

I called Nationstar and requested to speak to my dedicated loan specialist. I referenced their name as listed on my letters and two seperate Nationstar agents refused to transfer me to my loan specialist.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my XXXX  experience which violates XXXX XXXX XXXX. This error has caused XXXX XXXX  to my XXXX, my XXXX my mode of living and to my family! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from mXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

( SEE ALL ATTACHED DOCUMENTS TO THIS COMPLAINT ) Dear Equifax, There is information on the consumer credit report you have assembled with my name, XXXX XXXX, that is a result of identity theft. I did not initiate, nor did I provide any instruction for the identified transactions to be furnished on my consumer credit report. I am now requesting that you block and remove the specified information from my report within four days as specified by law. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. I obtained no possession of goods, services, or money as a result of these fraudulent transactions. The identified transactions are not information related to any transactions by me as the consumer. Please block and remove the following items as soon as possible. 

EQUIFAX listed as Hard Inquiry : XXXX ) XXXXXXXX XXXX XXXX XXXX XX/XX/year> I have mailed your identity theft department all documents as well. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Bank account or service

I made few claims and Wells Fargo approved them in writing. Wells Fargo informed me that my " account should be credited in the amount of $ XXXX within XXXX business days ''. However, that did not happen. I communicated with Wells Fargo and I posted on their XXXX and they kept delaying me and wasting my time. I still have all my proofs in writing that Wells Fargo can never be able to deny. The amounts are : {$12.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$18.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$18.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] {$17.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo XXXX {$16.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo XXXX {$24.00}, approved by Wells Fargo on XXXX/XXXX/2014 [ have a copy of the proof received from Wells Fargo ] I am kindly requesting your help to be able to receive the money.
Product: Credit reporting or other personal consumer reports

My information or data has been compromised by by Experian data breach and another company called XXXX took my information and said they've completed my credit repair that I never asked for? Because of this my bank had me re-verify my identification causing more financial Hardship due to the closures of my bank accounts.