23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

So after months of trying to negotiate with Bank of America they finally sent me another letter saying that my claim has been denied. I asked what was going on my account in XXXX and they said my account was frozen due to suspected fraud and that I could unfreeze it in two weeks once unemployment department opens up again. So I waited two weeks and I verify who I am with the state and they unfroze my account after I proved there was no fraud. Shortly after my account got unfrozen they deducted around {$2700.00} from my account putting me into the negative. After several attempts hours upon hours of waiting on hold the claims department representative stated that they automatically reject any disputes done on my account because of it being frozen due to suspected fraud. Im sorry but what In the world is going on with this bank, this is my second consumerfiance complaint. The first complaint the lady did call me saying the error would be corrected within 30 days and Id have my money by then. Its now XXXX I havent received any of my funds back and they mailed me a letter saying that I basically lost the dispute and that their original investigation which was an error they stated previously have been found correct and that I wont be getting any of my money back. So far theyve stolen over {$900.00} from me and left me in the negative balance on a prepaid card. Getting ready to organize a class action lawsuit against victims of this dispute/frozen account errors that theyve made. Lost my home and car cause of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am reporting this on my own behalf. XXXX, Transunion, and XXXX are reporting incorrect information on my consumer report. 

In accordance to the Fair Credit Reporting Act, 15 US CODE 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) : the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

By law, a creditor may not treat a payment on a credit card account as late for any purpose and since I never gave my express written instructions to furnish this, the late payments on my consumer report are incorrect and have been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, and XXXX XXXX XXXX account # XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX accounts, ending in XXXX, and XXXX, and XXXX XXXX up on my credit report with Equifax, as being charged off.Those Charge-Offs are considered Certificates of Indebetedness.Certificated of Indebtedness mean that it is Income, and must be removed ; as per 15 USC 1681b - Permissible Purposes and the Family Protection Act of 1974 XXXX XXXX accounts ending in XXXX and account ending in XXXX, and XXXX XXXX XXXX were charged off and show up on my credit report as being charged off, with XXXX. 
A Charge-Off is considered a Certificate of Indebtedness ; which means that it is Income, and must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports and the Family Protection Act of 1974. 

XXXX XXXX accounts ending in XXXX and account ending in XXXX, and XXXX XXXX XXXX, and XXXX, were charged off and show up on my credit report as being charged off, with XXXX. 
A Charge-Off is considered a Certificate of Indebtedness ; which means that it is Income, and must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports and the Family Protection Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/XXXX to XXXX, regarding the accuracy of the details of an account, and once the dispute was completed. XXXX  updated information on the account that was inaccurate and not verified by the creditor. They updated my report showing on-time payment history from months beginning XXXX, however this is inaccurate because the account was already closed and in a delinquent status prior to XX/XX/XXXX. When I contacted XXXX Dispute Customer Support, they advised that I contact the creditor directly. 

When I contacted the creditor ( Wells Fargo Card Services ) they said that it was the credit bureau 's responsibility for verifying the reported data. The creditor confirmed that this account was closed as of XX/XX/XXXX. However when asked to provide statements from the account to verify payment history, they said that they did not have these statements because the account in question was too old. I just need my report to reflect the accurate and complete information
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly investigate and correct inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i - FCRA, Section 611 : Failure to conduct a reasonable investigation of disputed information.

15 U.S.C. 1681e - FCRA, Section 607 : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681c - FCRA, Section 605 : Reporting outdated or unverifiable information. 

I used XXXX, an automated credit dispute service, to challenge multiple inaccuracies on my Experian credit report. Despite my valid dispute, Experian failed to correct the errors or provide proper verification of the disputed accounts. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX  ( Acct : XXXX ) Incorrect past due balances and inaccurate payment history. 
XXXX XXXX XXXX XXXX ( Acct : XXXX ) Misreported credit limit and outstanding balance. 
XXXX XXXX XXXXXXXX ( XXXX Account ) ( Acct : XXXX ) Incorrect charge-off status ; account was settled. 
XXXX XXXX XXXX ( Closed Account ) ( Acct : XXXX & XXXX ) Wrong past due amount and charge-off reporting. 

Experians Violations : Despite my previous dispute via XXXX, Experian : Did not provide proof of a reasonable investigation ( 15 U.S.C. 1681i - Section 611 ).

Continued reporting incorrect information without proper verification ( 15 U.S.C. 1681e - Section 607 ).

May have reinserted previously deleted inaccurate information without required notice ( 15 U.S.C. 1681c - Section 605 ). 

Furthermore, the CFPB sued Experian in XX/XX/year> for similar violations, stating that Experian routinely mishandles consumer disputes and fails to conduct legitimate investigations. My experience aligns with these allegations, and I believe Experian is continuing to operate in non-compliance with federal law. 

How This Has Affected Me My credit score has been negatively impacted, leading to loan denials. 
I have been denied credit and financial opportunities due to XXXX negligence. 
XXXX failure to correct these inaccuracies has cost me money, time, and financial stability. 

What I Want Experian to XXXX XXXX a proper, lawful investigation of my dispute and provide proof. 
Remove or correct the inaccurate items immediately. 
Explain why these errors were not properly addressed after my XXXX dispute. 
Provide documentation proving compliance with FCRA Sections XXXX, XXXX, and XXXX. 

Supporting Documents I am attaching my credit report as evidence. I also request that the CFPB direct Experian to provide documentation of their previous investigation related to my XXXX dispute. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting of XXXX Account XXXX XXXX I am filing this complaint regarding the inaccurate and potentially unlawful reporting of the account XXXX ( Account # XXXX ) on my credit report by credit bureaus ]. This account is being reported with inconsistent, unverifiable, and misleading information that damages my creditworthiness and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Account Information Discrepancy : The account status, last payment date, and other reported details are inconsistent across the credit bureaus, raising concerns about the accuracy and reliability of the information being provided. 

Failure to Provide Verification : I have previously requested verification of this account, including proper documentation to substantiate the debt. To date, no sufficient evidence has been provided to validate the accuracy or ownership of the debt. 

FCRA Violation : Under 15 U.S.C. 1681b and 1681i, credit bureaus are required to report only accurate and verifiable information. The reporting of this account as a charge-off with contradictory details fails to meet the standard of accuracy required by the FCRA. 

Potential Harm : This inaccurate reporting has negatively impacted my credit score, potentially affecting my ability to access financial opportunities and leading to undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies are continuing to report inaccurate information that I did not authorize or give written instructions to do so. They have also violated my rights by not providing me with the results or information from the investigation.
Product: Debt collection

Waypoint Resource Group LLC reported a collection account in my name to XXXX on XX/XX/24. It stated it was for a balance owed to XXXX XXXX for {$120.00}. Waypoint Resource Group listed the current amount owed as {$1500.00}. I have never received any written correspondence regarding this account. I called XXXX XXXX on XX/XX/24 and they have no record of an account in collections in my name. The only account I have ever had with XXXX is over 20 years old and paid in full. They had me speak to someone in the Fraud Dept, and they informed me I should file an affidavit of fraud with XXXX, and dispute the claim with the credit bureaus.
Product: Debt collection

Subject : Notice of Violations and Demand for Immediate Settlement Compensation Dear XXXX/LVNV Funding, XXXX XXXX  , I am writing to formally address the serious violations committed by your organization concerning the purchase and verification of a debt related to identity theft, and the subsequent impact on my credit report. This letter serves as a demand for immediate settlement compensation in accordance with the laws and regulations governing debt collection practices in Wisconsin. After a thorough investigation and consultation with legal advisors, it has come to my attention that XXXX LVNV Funding , XXXX XXXX has engaged in practices that not only violate federal and state laws but have also worsened the hardship caused by identity theft. The identified violations are as follows : Violations under the Fair Debt Collection Practices Act ( FDCPA ) : Continued Pursuit of Fraudulent Debt : {$1000.00} Failure to Cease Collection Activities Upon Request : {$1000.00} Failure to Provide Verification of Debt : {$1000.00} Violations under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Accurately Report Information : {$1000.00} Failure to Rectify Inaccuracies Upon Dispute : {$1000.00} Additional Violations : XXXX. Violation of Consumer Financial Protection Bureau ( CFPB ) Guidelines : {$1000.00} Violation of Federal Trade Commission ( FTC ) Regulations : {$1000.00} Violation of Wisconsin Consumer Laws and Regulations : {$1000.00} Violation of United States Code ( USC ) Title 15, Chapter 41, Subchapter V : Debt Collection Procedures : {$1000.00} Violation of Wisconsin Consumer Act ( WCA ), Chapter 427.104 : {$1000.00} Violation of Wisconsin Statue Chapter, 427.105 : {$1000.00} Failure to Comply with Cease-and-Desist Order : {$1000.00} Continual Collection of Fraudulent Debt Despite Evidence : {$1000.00} Removal and Permanent Restriction of Account : {$1000.00} The total charges for these violations amount to {$14000.00}.
Product: Checking or savings account

I have not been able to log on and manage my finances since XXXX XXXX. 
I called Capital One and she she told me it was my browser. 
But i tried everything and its still not working. 
On XXXX XXXX, I called and spoke to a Capital One supervisor. She claimed that their back office somehow dropped my user name and will work on fixing it within 10 business days. 
On XXXX XXXX, i called again. 

I have been informed the male supervisor that he can not do anything else. He have no compassion or care about my situation. 

On top of that he said i have to wait another10 days from XXXX XXXX to see if they can fix this issue. 

How can an online bank do this kind of things to a customer? 

I lost my confidence in this bank. 
Their management team have no emphathy and DOES NOT value customers!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies in the bankruptcy information reported by XXXX, Experian, and XXXX. The discrepancies in the information have raised concerns about the verification process and overall accuracy, as detailed below : XXXX : No bankruptcy information reported. 

Experian : Date of Bankruptcy Report : XX/XX/XXXX Reference : XXXX Closing Date : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX 

XXXX : Date of Bankruptcy Report : XX/XX/XXXX Reference : XXXX Closing XXXX : No information provided Court : XXXX. 

This conflicting information has not been verified and does not align across the credit reporting agencies. I kindly request the immediate deletion of this inaccurate information. For your reference, I have attached proof supporting my claim. 
Despite numerous requests, Experian and XXXX has failed to provide the following essential information related to the bankruptcy report : 1. The name and contact information of the entity that furnished the bankruptcy information.

2. The method used to verify the accuracy of the bankruptcy information. 
XXXX. Documentation that substantiates the accuracy of the bankruptcy information. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the deletion of the inaccuracies in my credit report. Your assistance in resolving this issue and upholding the standards of credit reporting is greatly appreciated. 

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

On XX/XX/2022 i Certified mailed TransUnion Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( TransUnion ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer.

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates.

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW 1 ACCOUT NAXXXX 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 XXXXXXXX I have uploaded all of the proper documentation to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account that Ive had since XXXX. I originally started with a fresh start program in which you can graduate to a regular card after a period of 6-9 months. Due to unforeseen out of my control issues I fell behind in XXXX and XXXX of XXXX. I called XXXX immediately addressing my concern and giving heads-up about my account. Since then Ive had clean on time payment history. I sent a goodwill letter early last year to have to late fees removed as a goodwill courtesy. And they were removed or my payment history status on my Credit report for Experian, XXXX and XXXX. Or this changed on my report due to the age of the late payments. However, they are now back on my credit report. I shouldnt be held accountable for the late payments that occurred during the fresh start program. I would like XXXX to honor my goodwill letter and have the late payments removed from my credit report for XXXX, XXXX, and Experian in which I know they have the ability to do so. All in regards to me not having any issues for the past 3 years.
Product: Credit reporting or other personal consumer reports

Over an extended period, I have diligently contested the inaccuracies present within the information provided to XXXX, XXXX, and TransUnion. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information THD/CBNA Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information TARGET/TD Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection Experian XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 4. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 5. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection TransUnion XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at FIRST PREMIER on XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, an student loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) 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.