23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

Sometime around the week of XXXX XXXX I received a phone call from this company called ERC demanding I make a payment before a certain date or my credit would be damage. I never recant letter stating any debt owed on my behalf. In XX/XX/2021 I learned that the company reported the debt I allegedly owe to the credit bureau. This company threatened me over the phone and never sent me any letters and now is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] XXXX  : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items. 

Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021 I settled a debt with XXXX cell phone company. The debt was paid in full and the account is still reported as unpaid on my credit report. 

I disputed the account on all three credit bureaus and provided proof that the account was paid in full, and the debt is still reported as unpaid. I have sent verification to XXXX and three credit reporting bureaus, but they have not investigated my dispute or acted upon it. 

Per 15 U.S.C. 1681i, the creditor has a duty to investigate my account, there was no investigation performed. The credit bureaus also did not correct the account when I provided proof the account was paid in full.
Product: Debt collection

A woman from a personal loan company threatened to freeze my bank account and seize my social security
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody fraudulently opened an account in my name. Get this off of my credit report. Affirm Inc. : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX THIS IS FRAUD. THERE IS A XXXX FREEZE ON MY CREDIT FILE. HOW DOES THIS XXXX GET PAST THE BUREAUS?! Unbelievable.
Product: Credit card

We opened a Citi AAdvantage Mastercard XX/XX/XXXX. In order to earn an account opening bonus of XXXX XXXX XXXX AAdvantage miles we were required to spend {$1500.00} in the first 90 days. After not seeing the account opening bonus post to her AAdvantage account, my wife contacted Citi via chat on XXXX/XXXX/XXXX to verify we met the terms of the promotion. Citi stated the promotion was actually {$3000.00} in 90 days but that we had indeed met the terms of the promotion, despite the mis-understanding and that the bonus miles would post soon. After a further 60 days the miles still did not post to her AAdvantage account. I then contacted Citi via chat on XXXX/XXXX/XXXX and was again told that the bonus miles were indeed earned and would be posted to the AAdvantage account shortly. After additional time had past without the bonus miles posting I contact Citi yet again and was only then told we had not met the terms of the promotion and no miles would be awarded. Despite multiple confirmations that we had met the terms, we suddenly had not.
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 XXXX  USC XXXX.

and list of Inquiries.

XXXX  U.S.C XXXX  section 602 A. States I have the right to privacy.

XXXX  U.S.C XXXX  Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX  U.S.C. XXXXXXXX ( XXXX  ) ( XXXX ) 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

This is the second Capital One account that I have made a complaint about. I have no recollection of even opening this account and informed them that several times I have been a victim of identity theft and that there is a statement on my credit bureau stating this as well as I am to be contacted before any accounts are opened, which I was not. XXXX XXXX is reporting this to the bureau. I will be sending cease and desist letters to stop reporting and removing within 30 days. The amount that is due on this account is {$650.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Zions Bank Corporation deliberately and unfairly charged my personal account overdraft fees in a discriminatory and XXXX biased manner. 

In XX/XX/2021 Zions bank charged overdraft fees for my account ending in XXXX the amount of USD XXXX and my account ending in XXXX the amount of XXXX. 
I disputed and paid these fees in full. The bank statements are attached. Zions stole my money. 

In XX/XX/2021, Zions again charged my account XXXX the amount of XXXX for a single transaction of XXXX dollars. Zions then proceeded to harass me with mutliple telephone calls and collection letters and put my name on XXXX XXXX, even though they were informed the charges were false. They also reported me to a collection agency and cost me an XXXX loan of XXXX. The evidence is attached. 

Zions bank favored rich white customers over poor blue XXXX workers including XXXXXXXX discriminations, including me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : The payment due in XX/XX/XXXX was made on time, which falls within the 15-day grace period offered by the creditor. The payment should not have been reported as 30 days late. 
Clerical error by XXXX XXXX XXXX payment was processed on time, but due to a clerical error by the creditor, it was incorrectly reported as late. This was a system error that falsely flagged the account as past due. 
Evidence Provided : I have attached bank statements and confirmation emails showing that the payment was made and processed on time, demonstrating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Innovative Credit Solutions is still reporting a debt on my credit report in which they have not provided any information, this company calls and threatens that they are sending me documentation from the clerks office this company does not provide any information this is a collection for XXXX bank in which XXXX bank has removed this account from my credit reporting due to the factor its been over XXXX years since the last payment was received this company provides nothing to me this is my XXXX complaint.
Product: Credit reporting or other personal consumer reports

LJ ROSS ASSOC is in violation of multiple laws set forth by Congress in regards to the following account # XXXX reporting to XXXX . 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( LJ ROSS ASSOC ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX  XXXX XXXX
Product: Mortgage

I contacted Wells Fargo to try to redo my mortgage payment cuz I was struggling to pay it. I was told there was nothing they could do for me so I went through another company to do a loan notification and they just took my money and I lost my house and had to file XXXX  XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX # XXXX #, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX ), XXXX XXXX XXXX # XXXX ) ; XXXX XXXX XXXX  # XXXX XXXX XXXX BANK XXXX XXXX ). 
15 U.S.C 1681 Section 602A. States I have a right to privacy 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 conviction 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: Mortgage

I was affected by hurricane XXXX and the bank AmeriHome Mortgage Company , LLC said it could take 3 months without making payments and they would not charge a later fee. 

I did have been trying to pay them but their online system says I am not eligible to make a payment and it will not allow me to pay. It 's been like this for 3 months now. 

I have to call them on the phone now and make they payment, the charge me XXXX dollars each time. 

They charged me XXXX dollar for my last payment but they never took the money out of my account, I called them last week to ask about why they have not taken the money from my account, and they said on their system it shows that I 've paid. 

Now, I just got a foreclosure letter in the mail. 

I't seem they are purposely trying to foreclose by purposely not accepting my payment and making supper difficult to make payments. 

I even mailed them a check that they deposited then send me a check from them back and says I still owe money I already send them and charged me late fees.
Product: Credit card or prepaid card

A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX XXXX XXXX credit report and they agreed to close the account however, it's still illegally on my credit report although the account was closed due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I tried to do a report with FTC but they keep directing me to CFPBXXXX Someone please reach out to me so we can handle this illegal issue soon. By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, ( Original Creditor : XXXX XXXX XXXX  ) XXXX, and XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was deceived into sending {$1700.00} using Venmo, across 4 separate transactions. The transactions were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This service allowed a scammer to setup the ability to receive funds. I can not get them back, I attempted to dispute but Venmo said I am not able to dispute.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  {$10000.00}  Santander Auto Loan sa ys I owe Dispute after dispute after dispute to no avail ...   Contacted the Better Business Bureau and reported incident Reported  to The Attorney Generals Office and told entire story Called Santander  XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.
Product: Credit reporting or other personal consumer reports

I reached out to Experian to correct inaccurate personal information on my credit report. There is an address listed XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. I asked for this to be removed, but the rep ( XXXX XXXX stated that it can not be removed, because the address is listed by a creditor. When I asked the name of the creditor, he stated XXXX XXXX. I haven't conducted, nor ever received a statement, or any other business with XXXX XXXX from that address. Also, XXXX XXXX has the credit account as a charge-off, but they never sent me a XXXX. XXXX XXXX is also selling my information to debt XXXX without consent ( please see attached letter ). I need XXXX XXXX to have that inaccurate information deleted off my credit report immediately. XXXX XXXX is utilizing unfair credit practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reports my account as 30 days late when it has NEVER been 30 days late. I reached out to XXXX also for a resolution sending them the Statements for the months of XXXX, XXXX, XXXX, XXXX and XXXX which have payment due and received dates on them. I also called XXXX and the representative acknowledged that payment was not 30 days late, She stated give it 45 days and the issue should be resolved. After the review was completed the update was ND for current month and 5 late payments still remain on my report.
Product: Checking or savings account

An account was opened without my knowledge. I tried to create an account but I was told my information was already in the system
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Cooling & Winters for committing fraud and identity theft. I have never contracted with Cooling & Winters and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Cooling & Winters, have brought me severe stress and anxiety. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations u

nder 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any
communication and collection activity, of this and any alleged debts until Cooling & Winters, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Cooling & Winters, continues its collection efforts, I will file for litigation for actual damages caused, and Cooling & Winters will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.