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

I declared bankruptcy and it was discharged as a Chapter XXXX bankruptcy on XX/XX/XXXX. My Bank of America credit card account was part of that discharge yet they are still reporting to the credit reporting agencies that I am delinquent on that account, over 10 years later. On approx. XX/XX/XXXX, I contacted them by phone and the clerk agreed their records show the account was discharged in my bankruptcy and that she would submit a dispute to hopefully have it removed. I received their response to that dispute, dated XX/XX/XXXX, in the mail. It clearly states the account was discharged during my bankruptcy. And it also clearly states that they are correctly reporting my delinquency and will continue to do so. I called again and spoke to a supervisor, and then to her supervisor. Both stated they could see it was discharged in my bankruptcy and both stated they could only resubmit a dispute to the same department that already refused to fix the mistake. And that their response would probably remain the same. I informed them it is a violation of my rights to continue to report me as delinquent but they said their policy is that they can only resubmit a dispute and were not capable of actually fixing their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian is knowingly and willfully placing erroneous and fraudulent information on my credit report. I have sent them the proper paperwork, that shows them the information they are listing on my credit report is fraudulent. 
Experian has somebody else social security number listed on my credit report. Experian has some body else child support account listed on my credit report. Experian has XXXX addresses listed on my credit report, that I have never lived at. Experian has XXXX misspellings of my name listed on my credit report. Experian has XXXX telephone numbers listed on my credit report, that are not mine. 
I have disputed all this information via mail with Experian. I have sent them the original copies of the proper documentation to remove this erroneous and fraudulent information from my credit report. They still will not remove it. Please make Experian remove this erroneous and fraudulent information from my credit report
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I got an offer in the mail by my crated card company. A blank cheek and no interest for 18 months on XX/XX/XXXX I cashed {$3000.00} thin in XX/XX/XXXX I cashed out a another {$2500.00} Now I cant pay and I fill I was taken advantage of for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NEW YORK NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK NY XXXX & XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting or other personal consumer reports

Inquiry Date : XX/XX/XXXX CR XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX These accounts are not accurate or verified as belonging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested assistance with all three bureaus XXXX, XXXX, and XXXX XXXX credit reporting agencies ( CRA ) and their subsidiaries as well as KHESLC. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX and continues to fluctuate substantially. The CRA continues to report late payments when student loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a XXXX  account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit card

I have been asking since XX/XX/XXXX to review my XXXX payments ( from XXXX ), and ensure the payments made were allocated to the account properly. 

They split my account and continue to split my payments so that they continue to collect interest on a higher principle balance. 

I repeatedly call, have been hung up on/ disconnected. Ive been placed on hold longer than having conversations with the customer agents, and continue to be told that Im being helped but unfortunately I am not being assisted properly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate and Incomplete Information on Credit Report Dear Sir/Madam , I am writing to formally dispute certain information on my credit report. I have reviewed my credit file and have identified inaccuracies and incomplete information that I believe violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. I am requesting an immediate investigation and correction of these discrepancies. 

Details of the Disputed Information : Account Name : [ XXXX ( Orginal creditor : XXXX XXXX XXXX XXXX  ) ] Account Number : [ XXXX ] Disputed Information : [ Incomplete/Inaccurate ] Date ( s ) of Discrepancy : [ Date oopened : XXXX last reported:XXXX ] Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am entitled to dispute incomplete or inaccurate information that may affect my creditworthiness. I am requesting that XXXX investigate the disputed entries, verify their accuracy, and ensure that all reported data complies with XXXX XXXX standards. The inaccuracies I have identified include the following : [ Explain in detail the nature of the dispute ] : Inaccurate/ incomplete delete immediately due to violation of 1681. 
[ Provide any supporting documents if available, such as proof of payments, account statements, or settlement agreements. ] Under Section 1681i of the FCRA, XXXX is obligated to investigate and correct any information that is incomplete or inaccurate. In addition, as per XXXX XXXX standards, the credit reporting data provided must be complete, accurate, and up to date. Therefore, I am requesting that this information be thoroughly reviewed, corrected, or deleted as required. 

Requested Action : Investigate the disputed accounts and correct or delete any inaccurate or incomplete information. 
Provide me with the results of your investigation as required under the FCRA. 
If the information is found to be inaccurate or unverifiable, I request that you remove the information from my credit report immediately. 
Please also provide me with a copy of the updated credit report once the dispute has been resolved, in accordance with the FCRA 's requirement to provide a free report after a dispute resolution. 

I am requesting a response within the XXXX investigation period outlined in the FCRA. 

Thank you for your attention to this matter. Please let me know if you require further information to facilitate your investigation. 

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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX CARD XXXX, XXXX CARD XXXX, and ( Original Creditor : XXXXY ) 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 an account without my written instructions.
Product: Debt collection

This company has been leaving me voicemails treating to sue and have criminal charges brought against me. 

They are trying to collect on debt that i received a XXXX from, which is also against the law.
Product: Credit reporting or other personal consumer reports

Company was paid and full and reporting inaccurate information thats hurting my credit rating ask for deletion of this account ask for 1099-C all sign documentation related to this matter. 

I am writing to formally dispute the inaccurate information reported in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. I have reviewed my records and can confirm that the information you have on file is incorrect I request that you investigate this matter and correct the inaccuracies as soon as possible. Enclosed are copies of any relevant documents that support my claim. Please provide me with a written response confirming the outcome of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

I am sending this complaint regarding a discrepancy in my credit report that requires your immediate attention. Specifically, I am disputing this account : XXXX, XXXX. XXXX. 

The reason for my dispute is that your agency has failed to provide sufficient information to verify the debt in question. XXXX and XXXX, other credit bureaus, have already rectified this inaccuracy in their records due to identified errors. I am puzzled as to why you have verified this account while other bureaus have updated them. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit card

Regions bank is woefully inapt to run a bank adequately. They have many complaints, I just wish I had known about the abundance of complaints before I signed up to bank with them. 

XX/XX/year> I wake up to multiple emails from all the credit bureaus and other credit reporting agencies telling me I have a credit card from Regions Bank that the payment is over 30 days late. I got no notifications from Regions bank that a payment was missed ; no emails, no phone calls, nothing. Nothing from Regions saying payment was coming due, nothing saying it was missed, nothing saying it was over 30 days late, no notification on the online dashboard, no notice on the online statements. I have NEVER in my life had a bank that gives XXXX notification about payments at all. After I received the notification from the credit bureaus I put in a dispute and provided copies of the online dashboard and online statements, all showing no notifications of late or missed payment. I have all my credit cards on autopay so that I dont miss any payments. I thought Regions credit card was also on autopay, especially since I did NOT receive any notifications about the payment. As soon as I received the notification from the credit bureaus I contacted Regions bank and made the full payment ( which was only {$9.00} + fees ). My credit is ruined for 7 years over {$9.00}. My credit was Excellent before this, my credit score went from XXXX to XXXX. I feel that it is very unfair that my credit is ruined for 7 years when this bank does not have the systems in place to properly run a bank adequately.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT. 

DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXXXXXX XXXX XXXX, XXXX FED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIF
IED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIE
S HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION.

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX my Trustee over night a Negotiable instrument in the form of a check {$51000.00}, XXXX. CAPITAL ONE AUTO FINANCE, INC processed it and applied the payment to my account. They release the title a few days later and a refund of XXXX XXXX US dollars. I never received my title nor the refund. 30 days past and i followed up with them and they told me that my title was mailed and my refund was also mail but never received anything in the mail. I moved from XXXX XXXX to XXXX XXXX and forward the mail but still never receive anything. The account was closed showing PAID in full. on XX/XX/2023 I saw that they reopened the account stating that the routing number is invalid. It was a bill of exchange and they were sent instructions of how to process the instrument. They VIOLATED public law 73-10, TILA and FDCPA. They have sold my promise to pay and it is on the stock market trading, I was never made aware of this until my broker looked up my account number and found CUSIPS associated with my security that they sold. I did not receive any proceeds from this, My identity was sold without my knowledge and consent, I did open an identity theft case on this account with the IRS as well. Please audit and have them close this account, they are in several violations I since then sent a second instrument to them and they have not made any updates to my account and its been over 7 DAYS now. They have received a total of over XXXX plus now. They are stealing these funds and not applying it to my account.
Product: Credit reporting or other personal consumer reports

The USA PATRIOT Act expanded federal agencies access to credit reports. Prior to the Act, the FBI had access to credit reports ( without needing a court order or subpoena ) if there were specific and articulable facts that gave reason to believe that the consumer was either a foreign power, a foreign official, or the agent of a foreign power and was engaged in international terrorism or criminal clandestine intelligence activities. See 15 U.S.C. 1681u ( a ), ( b ). The Act eliminated the requirement of a nexus to a foreign power or its agents and instead requires that the information sought be relevant for various national security investigations to protect against international terrorism or clandestine intelligence activities. See 1681u. The Act also broadened other federal agencies access to consumer reports. Section 1681v obligates CRAs to provide consumer information and reports to a federal agency authorized to conduct investigations of, or intelligence or counterintelligence activities or analysis related to, international terrorism. '' Senior federal agency officials are empowered to issue a certification that the information is necessary for the agencys conduct or such investigation, activity, or analysis. See 1681v ( a ) & ( b ). Upon certification that disclosure to the subject would impair national security or interfere with an investigation, the entity providing the information is not permitted to disclose to the subject or others ( except counsel and those necessary to comply with the request ) that the government agency sought the credit report. See 1681v ( c ). State and local law enforcement within fusion centers often work in conjunction with the FBI or other federal officials to seek consumer reports pursuant to either 1681u or 1681v authority. If 1681u or 1681v is not utilized or applicable, consumer credit information may be obtained by seeking a court order or subpoena as authorized at 1681b.
Product: Debt collection

I want to file an irregularity complaint about a report to the credit bureau on a collection account from the company called XXXX XXXX XXXX. This contract between this company and the original owner XXXX XXXX started on XX/XX/XXXX, with account number : XXXX, on a XXXX brand car, model ; XXXX, XXXX XXXX. From that date, the vehicle was paid regularly for XXXX years but in XXXX XXXX XXXX XXXX, the place where she worked was closed and it was very difficult for her to get a job to be able to pay her obligations or commercial commitments and she began to fall behind with it and then came the Corona virus19 Pandemic, this does not justify the delay in your payments but this vehicle described above was recovered ( through XXXX cars ) by XXXX XXXX XXXX and we are sure it was sold to another client. The collection agency is NCB Management Service XXXX, file # XXXX. Our question is ; is this legal? 
XXXX XXXX and XXXX XXXX XXXX XXXX ( Co-signer )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a request to investigate accounts that do not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be corrected.
Product: Credit card or prepaid card

Citibank Card Services failed to properly and diligently investigate a dispute. The company ignored documentations that I provided to them which were a clear and direct response to their requests. My dispute was closed twice in favor of the merchant by stating that they have not received any documentations. After my most recent attempt, the company refused to reopen the case. I have insisted to be contacted by phone by someone from their investigation team to explain their decision as to why the case was closed. No one ever tried to reach me to explain anything by writing or verbally. The only thing I received form the company were letters stating that the case was closed in favor of the merchant. It appears that the investigators of the company have biases that are partial toward their business partners and ignore all evidence provided by the consumer no matter how strong the evidence is. Such practices are unjust and unethical and it must be investigated. I have been a customer of Citibank for more than 30 years and I expect to be treated much better than this.