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

To Whom It May Concern, I am writing to formally dispute inaccurate late payment information on my credit report, which I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, the inaccurate reporting of late payments contradicts 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies must ensure maximum possible accuracy in the information included in consumer reports. 

My transunion report is showing XXXX XXXX  account 30 days late payment on XX/XX/year> however experian is showing XX/XX/year> payment is ok paid on time.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 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 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: Money transfer, virtual currency, or money service

paypal closed my business account for no reason and will not help me with getting it back up and going, I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months. They held XXXX money from my small business! Paypal has not been doing their job properly and it is effecting me and my small business, the email linked to my paypal business is XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX  XXXX XXXX XXXX. Please remove this account ASAP.
Product: Credit card or prepaid card

my Best Buy credit card and my XXXX XXXX XXXX were both used in fraudulent transactions. 
The 2 companies have closed the accounts and reopened with new numbers but I have did numerous dispute claims and they will not take care of the charges. when I first reported the incidents to each company, I was told that the charges would be taken care of. then they went back on their word. The universal card, I had been a customer of theirs for over 20 years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( Debt XXXX XXXX account number XXXX {$1100.00} ) ( XXXX XXXX XXXX account number XXXX {$1600.00} ) ( XXXX XXXX XXXX {$1000.00} ) ( XXXX XXXX XXXX XXXX {$1700.00} ) has violated my consumer rights. 

XXXX. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15 U.S.C. 1681 Section 604a Section 2 states that a consumer reporting agency can not furnish an account without my prior consent.
Product: Checking or savings account

I deposited {$2200.00} into my local chase atm, it gave me an error message and basically reset or something and didnt even give me a receipt, it ate my cash, It was XXXX all in XXXX dollar bills which I deposited to pay my rent this Monday. 


This was on XX/XX/scrub> XXXX XXXX XXXX
Product: Checking or savings account

I was notified that I had a TD bank account open years ago I tried to get it situated with a banker about me not opening and they refused to I went to open an account a year ago and cant get one cause of that
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting.

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Equifax, XXXX  or XXXX  ) this action might constitute fraud under both  Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act
Product: Checking or savings account

Union Bank sent closing letter not on letterhead and refused to return money for 2 boxes although they have tiny boxes do had to get 2. Since they are closing account should get refund.
Product: Mortgage

After applying for a HELOC with Comerica Bank, they asked me to add them as an additional insured, which I did. Then I recived a notice that my application is no longer active. 

After calling the Bank, they advised me that my loan was declined. I replied to the branch manager that this is innapropriate way of notification. My loan should be declined and reasons disclosed, not make my application innactive Now I don't know why I was put on innactive, and why I was declined Additionally, I need to remove them as additional loss payee Totally innapropriate and in complete violation of Reg Beach Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed numerous disputes with TransUnion credit to fix the reported amounts on my credit report that where hindering me from obtaining a good credit score but they continue to report incorrect amount and drop my score all together. Accounts like my car payments and a old collection which was paided in full is still reported even after showing proof of closed and paid in full. I believe that they discriminate against people of XXXX XXXX consumers in reporting credit.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam. 
I am writing to formally dispute inaccurate information that appears on my credit report, specifically regarding an account associated with XXXX XXXX XXXX XXXX. As per my rights under the FCRA. I am requesting your immediate attention to this matter and the necessary steps to rectify this situation. Upon reviewing my credit report, obtained from Equifax Credit Reporting Agency, I noticed an account listed under the name XXXX XXXX XXXX XXXX. However, I have no financial relationship or business dealings with with this company. I have repeatedly tried to call them and they refused to talk to me about said account. This discrepancy has raised serious concerns regarding the accuracy and legitimacy of the reported information. According to the FCRA Section 611 ( a ) ( 1 ) ( A ), Equifax are required to conduct a reasonable investigation into disputed information upon receipt of a consumer 's notification of dispute. I did not receive any documentation of method of verification of validity establishing my contractual obligation with XXXX XXXX XXXX XXXX, which is a violation of my consumer rights under the FCRA law. I also remind Equifax of their obligations under the FCRA law Section 611 ( a ) ( 5 ) ( A ), which states that information is found to be inaccurate or can not be verified, Equifax must promptly remove or delete the disputed item from any credit report. Therefore, if Equifax is unable to provide the requested accuracy of the reported information, can not be substantiated, Equifax Must remove or delete disputed account. I expect the immediate removal of the account from my credit report. I also request Equifax provide me an outline of the results of any actions taken. Failure to comply with these obligations my result in legal consequences, including potential liability for damages. I expect Equifax 's promptl attention to this matter into this disputed account. Failure to address this dispute appropriately will leave me no choice but to pursue all available remedies to protect my rights under the FCRA law. Thank you for your immediate attention in this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or aboutXX/XX/2018, I discovered a fraudulent charge on my XXXX XXXX  Master Card, with Synchrony Bank. I quickly notified the Fraud Dept, at the Bank. 
They cancelled my card promising to promptly open a new account, bring all charges and credits forward to this new account and issue new cards. 
In XXXX of each year, Synchrony issues a check for the past year 's Rewards. 
My last statement on the closed account listed the 2018 Rewards as {$650.00}. 
When the first statement of the new account came, it listed XXXX rewards balance. As of today, I have never received the new Cards nor have I received the {$650.00} Rewards funds. 
I continue to receive statements of the new account with a proper credit, [ From a returned product ], of {$170.00} Without Cards I have NO charges! 

Many calls to Synchrony have NOT resulted in any action, NO Rewards check, NO cards and NO refund of the {$170.00}. I receive promises, buy NO Action! 
Please assist me in obtaining the above funds from Synchrony Bank, XXXX, FL
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department Of EducationXXXX Is reporting old, inaccurate, unverifiable information on my consumer report. This is a violation of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. Congress clearly states that the banking system is dependent on FAIR and ACCURATE credit reporting. This company has multiple unverified and duplicate accounts on my consumer report. They all state as follows on my consumer report : DEPT OF EDUCATIONXXXX Potentially negative DEPT OF EDUCATION/XXXX Potentially negative They also each contain 2 late payments. This is unfair inaccurate information that is damaging to my image and also my consumer report. As a result of this I have been discriminated against and denied credit. 
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Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX  XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXX ( Original XXXX XXXX  ) : Account number : XXXX, Identity theft happened. Remove account. 
XXXX | XX/XX/2023 : Account number : N/A, Identity theft happened. Remove account.
Product: Credit reporting or other personal consumer reports

These are my daughter 's loans. I am the co-signer. These loans were on a repayment program. The payment was made but their system was having a known issue. The system never recorded her payment and kicked her off of the program. When she contacted them my daughter was she to submit proof of the payment, which she did. This payment goes back to XX/XX/year>. She contacted them to have this resolved to date they have not gotten back to her with a resolution to the problem and has charged off the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update it to current/ paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my typical monthly payment to XXXX on XX/XX/XXXX only to have it returned to me in XX/XX/XXXX. When I called to find out why they sent me a check for the same amount of XXXX they stated my loan was due to be paid off by XX/XX/XXXX which I was not aware of. 
I asked them how this would impact my credit since I did make the payment and they said it most likely would show delinquent. I ended up wiring the payoff amount immediately after finding out it was due for XXXX on XX/XX/XXXX. I just checked my credit history and it is showing delinquent for not only XX/XX/XXXX but for XXXX too. I have attached screenshots from XXXX to show payments were received and therefore should not be delinquent for both months.
Product: Mortgage

For the past month, my wife and I have been in the process of refinancing our home mortgage. The new loan has been approved and we were to close XX/XX/XXXX. This did not happen because Bank of America refuses to remove an old equity line lien. They should have done this in XX/XX/XXXX and they know this. For the past month they have lied to both my title company and myself. They keep saying they will remove the lien and provide proof of this to the title company in 5 to 10 working days. As of this writing, they still have not removed the lien. Every time either I or the title company contacts Bank of America, we get the same runaround. In my lifelong experience, this is typical of this particular bank and its employees. Meanwhile, my loan closing is being held hostage.
This is being done purposely and there is no other explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past, several months I have requested XXXX and Drive Time to make the correction on my credit report one to remove a repossession that should not be there and to remove a wrong social security number ending in XXXX. This is not my legal number. The several times that I have talked with DT Relations- he keeps stating XXXX XXXX this SS # is related to the account and when we ran the number your name came up, and that he had proven. When I asked him to send me a copy of that he refused stating that it was private information. 
After checking more into the matter : I purchased the car from DT on XX/XX/XXXX on a contract that was not signed by me. A DT employee forged my name on the contract. 
DT started that I was behind in my payments the month of XX/XX/XXXX thru the month of XX/XX/XXXX. DT has always had the SS # as XXXX and refused to talk with me several occasions because I did not have the right number. 
Per my credit report : On XX/XX/XXXX, my SS # was reported on my report. When drive time  reported late payments or days behind they are the ones that put the way SS # on my report and now are trying to say that I have to SS # Other Identification Date Reported Type Code Identification Number Reason XX/XX/XXXX Social Security Number xxxxx XXXX Variation DT was forged my signature, the wrong SS # violated numerous rules and laws This SS # XXXX was never on my credit report until XX/XX/XXXX unit Drive Time reported it
Product: Credit card

I was working with someone who I thought was a condo owner in XXXX. I found this person in a private XXXX vacation group on XXXX. They provided me what looked like an authentic contract for the vacation week along with a contact phone and email. They sent me photos of the property. They asked for a deposit to hold the week ( for XXXX of XXXX ). All of this seemed fine until they asked me to send the funds through XXXX to a person with a different name. They said it was a relative because they didn't have XXXX and because I insisted on using a credit card so that I would be backed in case there was an issue, they offered this solution for XXXX as they accept credit cards. In the middle of the transaction, I started to suspect this was a scam and I called the credit card right away to let them know. The transaction on XXXX said 'still processing ' when I called. I told them that it was fraud but I thought the only method to handle was through dispute. They took my dispute info right away. I then got XXXX follow up calls where the representative asked me questions. I find out today that they dispute was not approved and I am on the hook for {$XXXX}. I did not get any service for this and the person I was working with since took themselves off of XXXX. I have been a customer of Citi for a long time so this is unacceptable. I did everything right. 

The date of the transaction was XX/XX/XXXX for {$XXXX}. I would like to complain that Citi is not handling this correctly as I was very prompt in reporting this.
Product: Credit card or prepaid card

I noticed a total of five fraudulent transactions on my Chase credit card and reported them to Chase as soon as I noticed them on XX/XX/XXXX. Chase bank refuses to take these fraudulent charges off my account. When I opened my credit card with Chase, I was told that I would have zero liability for unauthorized fraudulent transactions that appear on my credit card. This is clearly not the case, as Chase has no problem lying to you to get your business. Below are the fraudulent transactions that appeared on my credit card : XX/XX/XXXX for {$2900.00} XX/XX/XXXX for {$6000.00} XX/XX/XXXX for {$4100.00} XX/XX/XXXX for XXXX XX/XX/XXXX for {$6200.00} for a total of {$19000.00} in unauthorized, fraudulent transactions If you are looking for a credit card, stay away from Chase. They will hold you, the customer, responsible for unauthorized fraudulent transactions on your account.
Product: Prepaid card

Hello I have a prepaid card that has a flat balance of {$25.00} but the card is impossible to use and no major store accepts them even if the balance is much higher than the item being purchased.
Product: Mortgage

In XXXX of this year I contacted my mortgage company mid america to request a forbearance due to COVID which I know I am eligible for under CARES. The agent said they would have to determine my eligibility and proceeded to ask me to send documents. I know under CARES documents are not required nor can I be denied assuming I have not exceeded my 18 month term and have verbally attested to a hardship. Today I get a certified notice from click and close I guess my new mortgage company I was not notified of that either and its a delinquent notice!!! I was never put on forbearance and have been reported negatively to the credit bureau. This needs to be corrected immediatly I should be on a forbearance and my credit corrected. I want my call in XXXX pulled to listen to I also will be reporting this to the FHA OIG.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME/NUMBER : XXXX XXXX XXXX XXXX {$31000.00} Dear TO WHOM IT MAY CONCERN, I am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements. 
Specifically, I believe that the information reported by your agency regarding these charge offs is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result. 
Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 
I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report. 
Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX