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

When I checked my credit report, I found that some of the information was inaccurate. The XXXX bureaus are obligated to confirm these accountsunder Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$860.00}
Product: Credit reporting or other personal consumer reports

They deleted it from XXXX, but I realized it IS still on equifax. I tried to secure message them with no response. I sent a second message stating i would file a second complaint if it was not resolved. 

My loan was opened on XX/XX/XXXX according to my report. Date of first delinquency would be 120 days later on XX/XX/XXXX. Closed on XX/XX/XXXX. I have tried to dispute this and they keep telling transunion and equifax that its accurate. I have NEVER made a single payment to XXXX. It has been over the 7 year requirement. They legally have to delete this. I did the fresh start program and qualify for deferred payments for the first year through XXXX and I am currently paying XXXX a month on them. So the loan was transferred, but a transfer does not reset that clock. It already came off the other XXXX credit bureaus ( Exp and TU ). This is preventing me from accessing necessary credit that I DO qualify for. 

The day it was removed from XXXX I was approved for a new CC. 
I need this off of my equifax report as well.
Product: Credit card or prepaid card

Bank of America sent me an unsolicited preselected credit card offer via mail in early XXXX ( attached ), despite completing a permanent opt-out election in XXXX. I believe this is a violation of the Fair Credit Reporting Act. 
I have never had any relationship with Bank of America. 
In XX/XX/XXXX ( see attached ), I submitted an opt-out request via optoutprescreen.com and returned my signed election form via mail to make it permanent.
Product: Debt collection

They collected {$400.00} from me while I was filing bankruptcy the representative lied to me and said I had to pay until it was fully discharged when I contacted my lawyer he told me that was against the law since all my debts were included in my bankruptcy
Product: Checking or savings account

Cash app automation does not recognize my account information and is in deceptive business practices with XXXX in which cash allows plaid to become an inadvertent POS to collect information when XXXX accounts do not recognize my checking or credit card accounts either. Will not activate my debit card with out verification of SSN. Which is an illegal trade practice. My account has been active for longer than a year. They accepted my funds without verification which is the most IMPORTANT part of the transaction. I was my money released and account closed.
Product: Debt collection

I am requesting the removal of this debt collection. I have never done business with this company. I take my credit very serious. I have asked for information to be proved for me for account. I have n't receive anything. I do n't think it fair they will rather report inaccurate information and not verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request verification of a late payment that is currently being reported on my credit report. The account in question is XXXX with XXXX XXXX 

Specifically, I would like Equifax to verify that there was a late payment on the account in XX/XX/2022. I have reason to believe that this information may be inaccurate or incomplete, and I am requesting that Equifax provide me with detailed information regarding this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to receive a written response from Equifax within 30 days of receipt of this letter. Your response should include detailed documentation supporting the accuracy and completeness of the information being reported on my credit report. 

If you are unable to verify the accuracy of the reported late payment, I request that Equifax remove this information from my credit report. Please also provide me with a revised copy of my credit report reflecting the updated information. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have been enrolled with XXXX repayment program for the past 4-5yrs. This program assists with the repayment of the account with no interest and to maintain good credit status with credit agencies. I have never been late on the monthly payments in the amount of {$94.00} per month that automatically deducts from my bank account. I successfully reached the end of the repayment term with only two payments remaining for the months of XXXX and XX/XX/XXXX. In XX/XX/XXXX, I had received a statement that reflect the remaining balance. I contacted XXXX just to verify remaining balance and the customer service representative confirmed. I inquired since my normal monthly payments were setup as {$94.00} per month, there would eventually be an over payment and how does XXXX handle the overpayment. The customer representative agreed that there would be an overpayment and gave me the option to either continue making the last two payments ( XXXX and XX/XX/XXXX in the amount of {$94.00} each ) and XXXX would mail me a refund. The second option would be the customer service representative can manually modify my last XXXX months payment to split into two payments of {$60.00} and XXXX for the months ( XXXX and XX/XX/XXXX ). I opted to accept the second option to avoid overpayment. In XXXX, I received a credit report alert of my credit score ( decreased approximately by XXXX points ) with Experian and XXXX had adversely been impacted by a past due payment status with XXXX. My Experian credit score went from very good to below average. My XXXX credit score went from good to fair. I was shocked! As mention before I have NEVER been late or paid less than original repayment monthly amount since enrolled in program. The customer service representative NEVER communicated that if the last two months payments are modified that my credit status would be negatively impacted! I would have NEVER accepted that option that she gave me. XXXX should be ashamed to treat me this way when I have paid according to the repayment program and why would I risk my good credit status on the last two final payments of the program. XXXX should be held accountable for the negligence of their customer service representatives. I want the negative past due status removed from credit agencies and revised to current and always paid as agreed for this account. I want my credit score points that were lost to be reinstated.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX 
XXXX, Texas XXXXXXXX XXXX XXXX Jefferson Capital System XXXX XXXX XXXX. 
XXXX, Mn XXXX Subject : Request for Removal of Collection Account Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) Dear Jefferson Capital System, I am writing in reference to the collection account you are reporting under my name. As per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, I request that you cease all collection activities and remove any reference to this account from my credit report.

Under Section 1692g of the FDCPA, you are required to provide me with a validation of the debt you are attempting to collect. As of this writing, I have not received sufficient validation of this debt, and therefore, I believe that your continued reporting of this debt on my credit file is a violation of my rights under the FDCPA.

I request the following : Immediate removal of the collection account from my credit report with all credit reporting agencies.

Confirmation that no further attempts to collect this debt will be made unless it is properly validated according to the FDCPA guidelines.

Please consider this letter a formal request for the removal of the collection account. If this debt can not be validated within the 30-day timeframe required by law, the account must be deleted from my credit file. 

Failure to comply with this request will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and to consider other legal remedies available under the law. 

I expect your prompt attention to this matter and look forward to your confirmation that the collection account has been removed. 

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

From the provided details, the potential FCRA ( Fair Credit Reporting Act ) violations in this credit report include : 1. Inaccurate Information ( Section 623 ) : The Balance Updated date is listed as XX/XX/2024, a date in the future. Reporting future dates constitutes inaccurate and unverifiable information, which directly violates the FCRAs requirement that information must be accurate and up-to-date.

2. Charge-Off and Past Due Reporting : The account is marked charged off but still lists a past due amount of {$1100.00}. Once a debt has been charged off, it is no longer an active obligation and should not accrue additional past-due balances unless explicitly allowed under the loan agreement and state law. Improper post-charge-off reporting can be a violation of accurate reporting standards. 
XXXX Credit Usage XXXX XXXX XXXX  ) : The credit limit is listed as {$500.00}, while the balance is {$1100.00}, resulting in a credit usage of XXXX XXXX Reporting such extreme overages could indicate an error or failure to properly update account limits after charge-off, creating misleading or inaccurate data. 
4. Disputed Account Notation ( Section 611 ) : The comments section states that the account is disputed by the consumer. Under the FCRA, when a consumer disputes information, the creditor and credit reporting agency are required to : Investigate the dispute within 30 days.

Correct or delete unverifiable information.

If no proper investigation occurred, or the account continues to report inaccurate information, this could violate the consumers dispute rights.

5. Potential Re-aging of Debt : If the date of first delinquency is not accurately reported, creditors or credit bureaus may improperly re-age the account, extending the reporting period. Charged-off accounts can remain on a credit report for XXXX  years from the date of first delinquency. Verify that this account complies with that timeline.

This recurring issue will be met with legal action.
Product: Debt collection

Notices were sent I will upload a PDF of the correspondences sent and the response I received was not under penalty and perjury and did not include validation only verification. None of my interrogatory questions were answered. This corporation has not shown the original deposit of the promissory note which would show that I issued the original deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent you several complaints regarding EQUIFAX and all I ever get from them are form letters asking me to PAY them for my report when I shouldn't have to. They haven't answered any of my questions and frankly neither has your department. All you seem to do is pass on my complaint to them without investigating why no action has been taken. The government bureaus have no teeth nor are any bit concerned with corrective attempts at resolutions. And the Credit Bureaus really don't care either. They pile up record profits selling our personal information with the blessing of the U.S. Government. 
LET 'S JUST FORGET THAT I EVER CONTACTED YOU OR THEM. PERIOD!!!!!
Product: Credit card

On XX/XX/year>, I contacted Chase regarding a hotel refund dispute. The hotel initially promised to issue a full refund of {$490.00} but only refunded XXXX XXXXXXXX. I raised this issue with Chase, and they assured me that the problem would be resolved and the full refund amount would be credited back to my account. However, only the partial refund of {$210.00} appeared. 

I called Chase again today, XX/XX/year>, to follow up on this issue, but they denied the previous resolution promise and stated that the partial refund was final. This response contradicts the assurance I was given on XX/XX/XXXX. 

I am seeking assistance to ensure that the full refund of {$490.00} is issued as originally promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was denied approval for an installment loan due to derogatory information reported on my Equifax credit profile according to the lender. Equifax is reporting a " Scheduled Payment Amount '' of {$10000.00} on a Closed/Charged Off account as " verified '' by Data furnisher as of XX/XX/XXXX results of their Re-investigation ( Confirmation # XXXX ) from my dispute sent to their agency in writing XX/XX/XXXX. My last payment on this account was XX/XX/XXXX and the account was charged off XX/XX/XXXX. This account also appears to continue reporting late payments. I contacted Equifax via phone immediately while at the lender 's office to dispute the issue. On XX/XX/XXXX the same account update with a new " Amount Past Due '' of {$6900.00}. I have reason to believe my rights under the FCRA are being violated by Equifax. These errors remain on my credit report, suppress my credit, & has already prevented my ability to receive credit.
Product: Credit reporting or other personal consumer reports

I called to inquire about a debt that appears on my XXXX XXXX credit report, I asked for an investigation and XXXX XXXX sent me a letter stating that the account and the amount of this XXXX XXXX amount of XXXX was accurate. I contacted XXXX XXXXXXXX XXXX XXXXXXXX after speaking to XXXX of their Rep, he was not able to find any information about the account, or the amount under my name or SS number
Product: Checking or savings account

XX/XX/year>. XXXX bank of america XXXX 
XXXX XXXX XXXX & XXXX XXXX. 

I withdrew money from an ATM yesterday, but I did not receive the full amount. I received a total of {$1300.00} in cash, but my account transaction history shows that I withdrew {$2300.00}. 

First, I successfully withdrew {$300.00}. Then, I tried to withdraw {$1000.00}, but the machine displayed a message saying the transaction was unusual. I confirmed the transaction through the app to proceed. However, the cash did not come out. At that moment, I wasnt aware that the {$1000.00} had been deducted from my account. 

Afterward, I withdrew another {$1000.00}, and this time, I received the cash. 

I have the receipts to prove these transactions. The missing {$1000.00} is a significant amount. Please check this issue urgently.
Product: Consumer Loan

I totalled my vehicle in XXXX. After paying my deductible and confirming that I did indeed have gap insurance through the dealer from which I purchased my vehicle, the matter should have been settled. Now, six months later BMW financial is attempting to collect money from me in the amount of more than XXXX. They also ran my credit when I attempted to buy a replacement car. After the credit was ran they told me the vehicle for which my credit had been ran was no longer available putting an inquiry on my credit for no reason. The claim number is XXXX adjuster was XXXX XXXX
Product: Credit reporting

Most of these debts is paid in full and should n't be reporting only credit report for over a year but they are still reporting on my credit report no matter how many times I have disputed it it comes back as validate knowing that these debt are paid in full specially XXXX that I just made a payment of {$500.00}. Please look into this matter it is affecting my credit score and my personal and business life. The XXXX bill was paid in full. These collections items were not removed even if they did n't provide proof that it was validate. How would u guys validate a debt that you guys have no no proof
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 has 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items or information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I XXXX XXXX reviewed my credit report and I have noticed some unauthorized inquiries on my credit reports I have listed them below I have also attached a FTC report with other supporting documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to inform you that on XX/XX/year>, I checked my credit report and discovered XXXX fraudulent inquiries that I do not recognize. These unauthorized inquiries are negatively impacting my credit score, and I believe they may be the result of identity theft.

I have already taken the following steps : 1. Obtained copies of my credit reports from all three major credit bureaus 2. Identified and marked the XXXX fraudulent inquiries 3. Prepared dispute letters to send to each credit reporting agency I am concerned about the potential for further fraudulent activity and the impact on my financial well-being. I would appreciate any guidance or assistance the CFPB can provide in resolving this issue and protecting my credit.

Please find enclosed copies of my credit reports with the fraudulent inquiries highlighted. I am happy to provide any additional information you may require. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

NES requested balance was $ XXXX settlement amount with NES balance of {$0.00} documentation to support both. 3 months later XXXX request balance of $ XXXX will not accept NES {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX XXXX  XXXX XXXX {$270.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$350.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX {$890.00}
Product: Mortgage

I had a Covid 19 forbearance and then had to file XXXX XXXX bankruptcy due to a XXXX XXXX. My online banking access was taken away and I was being sent incorrect statement balances. I was not contacted and offered options to repay the forbearance. My XXXX XXXXXXXX was recently discharged and US Bank is saying I owe around {$8000.00} even though my trustee made payments and I also made my regular monthly payments. Now I am getting notices of foreclosure and when I call the bank no one knows what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XX/XX/2016 i opened a credit card with td bank i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail td claimed they never recieved it 6months later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with td bank and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by td bank and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus XXXX XXXX   XXXX you name it i hired XXXX XXXX i called td bank a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to 48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides td bank the worse bank by far anyone who just neglectfully not make payments should be punished in this way