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

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. This address is not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX, NY XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Credit card

On XXXX/XXXX/2015 I had sent a payment by the approximate amount the account balance for {$780.00} with check number XXXX for Citi to be credited to the card ending in XXXX. Still today the date of payment it has not been proven despite efforts multiples me customer service and its research department of payments. I sent the evidence of the canceled by fax and mail check. They tell me that they are still investigating. They still me charged interest and minimum payments
Product: Debt collection

My account has been passed from one collection agency to another. The lastest one is Palisades Collection LLC. They are hard to reach and XXXX gave me a hard time and the run around. He also refused to let me speak to a manager or supervisor. He also blocked my phone number so I could n't call back. 

I originally called to negotiable a lump sum settlement for {$700.00}. I received a letter from However, I could n't complete the transaction because of XXXX 's behavior. 

I was able to speak to a female account representative who was willing to accept my offer. Unfortunately, when I called back to give her my fax number, I got XXXX.
Product: Money transfer, virtual currency, or money service

I was scammed on XX/XX/XXXX. I made two purchases and never received the items. Disputed via Cash App and they told to wait 14 business days and wait for a resolution but they only focus on prevention not recuperation! I then filed a complaint with my bank who also denied the dispute
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts : XXXXXXXX XXXXE XXXX ( Original Creditor XXXX XXXX XXXX ) bal. {$820.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) bal. {$390.00} XXXX XXXX bal. {$23000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX NA XXXX XXXX ) XXXX. {$590.00} Inquiries XXXX XXXX XXXX XXXXXXXX XXXX Company XX/XX/2024
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. These are the accounts I've marked as inaccurate.
Product: Debt collection

I was sued for this debt It was not owed but they called my daughter and threatened her she got scared and made a payment it XXXX the payment on a debt become current again Then the lawyer sued me The courts entered a judgment against me My pay was garnished after all was said and done, they took the last payment and gave me a release XXXX and behold they are at it again I did not contact them because I'm afraid. I am elderly and hoping to retire without them garnishment again. The court doesn't care I did not owe this money in XXXX  They have hounded me for a debt that is over a decade and I paid Once years ago they called and I made arrangements to pay if off for {$800.00} then again in XXXX, when they hired a lawyer and garnished my wages for a debt I did not owe and now they are at it again
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 


15 U.S.C 1681 section 602a States I have the right to privacy.

15 U.S.C 1681 section 604a section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit card or prepaid card

I had personal data stolen from my trailer in Oregon. Someone is trying open credit in my name. I have put a freeze on my credit. I called capitol one and XXXX XXXX XXXXXXXX. Capitol one said someone applied for a card. Capitol one has canceled denied the request for the card
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my BANKRUPTCY ACCOUNT Chapter XXXX Bankruptcy Case Number : XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of an inaccurately reported late open accounts on my credit report. This is my attempt to address this issue, and I am becoming increasingly concerned about the lack of response and resolution. It is imperative that this error be corrected immediately to reflect my accurate credit history. Despite my previous three attempts to resolve this matter, these accounts continues to be inaccurately reported. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct inaccurate information on my credit report. This error is affecting my credit score and overall creditworthiness, which is unjust and unwarranted. Kindly assist me to conduct a thorough investigation of these accounts and correct the information immediately. I request that you provide me with written confirmation of the correction within 30 days of receiving this letter. Kindly help me correct these accounts for no more late payment : XXXXXX/XX/XXXXXXXX XXXX Balance Owed : {$260.00} ; XX/XX/XXXXXXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XX/XX/XXXXXXXX XXXX Balance Owed : {$680.00} ( Date Opened ) = XX/XX/year> XX/XX/XXXXXXXX XXXX Balance Owed : {$330.00} ( Date Opened ) = XX/XX/year>.
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect or delete off my credit report accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three accounts reporting on my credit reports with inaccurate information regarding date of last activity and payment history. Accounts are as follow : XXXX XXXX XXXX ( 2 seperate accounts ) XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Goodwill Removal of Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to request your consideration in removing late payments from my credit report for the accounts listed below. I have been a responsible and timely payer overall, and I sincerely regret the oversight that caused the late payment in question. 

Account Information : XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX The late payments occurred due to a XXXX XXXX XXXX I was dealing with during that time. This condition caused unexpected XXXX  XXXX  that made it difficult for me to manage my financial responsibilities. While I fully understand the importance of making payments on time, my primary focus during that period was on recovering my health, which caused a delay in my payment processing. 

Since then, I have made every effort to get my finances back on track, and I have ensured that all my payments are up to date. I deeply value my credit and am committed to maintaining a good payment history moving forward. 

As a loyal customer, I kindly request your assistance in removing these late payments from my credit report as a gesture of goodwill. I believe this removal would more accurately reflect my overall creditworthiness and my commitment to fulfilling my financial obligations. 

I greatly appreciate your time and understanding, and I look forward to hearing from you regarding this request. If you require any additional information or documentation, please feel free to contact me. 

Thank you for your consideration. 

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

According to below LAW States 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 1692C : 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 Following Items are Incorrect & Not Accurate & miss leaded : this need to be taken care 1 ) XXXX XXXX XXXX : There was a collection item has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions 2 ) XXXX XXXX XXXX XXXX XXXX : There was a 2 collection items with same name and different amounts. i don't know how its possible to put same creditor twice with 2 different amounts. i have called the lender and checked & they don't even have any records or anything they said may be mistakenly placed seriously. this collections has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions XXXX : Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX : Posted without my concern & this is completely Inaccurate there is not agreement or document associated and wrong address, wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completelyInaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXXXXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

In Accurate address : 1 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX this some commercial address not even home address 4 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX InAccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BELOW IM ATTACHING MY ACCURATE NAME & ADDRESS. apart from this i don't have any address or any names please remove the which is incorrect from my credit history / credit report
Product: Credit card or prepaid card

Bank of America failed to conduct a fair investigation into claims against XXXX  XXXX  XXXX  XXXX XXXX. 

BOFA covered up police and fire reports and colluded with XXXX XXXX to defraud me regarding total fire damage to my auto. 

BOFA owes me over {$1700.00} in refund. 

XXXX XXXX XXXX has used police to harass me in my effort to receive fair treatment.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am reaching out to you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers. After doing some research into XXXX XXXX compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road together. My credit report is a representation of my financial standing and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, and complete! Therefore, I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility - so now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact on my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Debt collection

A Certified/Return Mail was sent to this creditor, Amsher Collection Services requesting that the account # XXXX for the amount of {$1100.00} since XX/XX/2018 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Amsher Collection Services must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX
Product: Checking or savings account

I opened an account a few months ago and began making deposits. They were all thousands of dollars. 

On XX/XX/XXXX, I attempted to XXXX funds to MY XXXX XXXX  account, and was told that there was a XXXX BLOCK on my account ( that I was NEVER made aware of and would not have opened the account had I known ). They gave me the option of an ACH or wire transfer. On XX/XX/XXXX, I opted for the wire transfer and was told that the transaction was successful and should be available in XXXX hours. I checked my XXXX account 3 days later and did not see the wire funds deposited. 

On XX/XX/XXXX, I attempted to log in to my XXXX account and was blocked from doing so. I then called and they advised that there was a FRAUD FLAG placed on my account and required authentication. I was LIVID because had I been made aware DAYS ago, I could have handled the verification with no problem! When asked " How are members supposed to find out that verification is required? ", the representative XXXX said " You find out how you find out, by calling in. '' The representatives were VERY condescending and passive aggressive during this process! They were arguing with me and even suggested that I get another phone line " in my name '' if their identification methods are an issue for me. Of course, I declined because that will require a 2yr contract and I don't need a 2nd phone! It was constantly implied that I was committing fraudulent activity. 

At any rate, on XX/XX/XXXX, I submitted ALL of the originally required paperwork as follows : Driver 's license Selfie holding my DL SS card W-2 I was then told on XX/XX/XXXX, that the funds would be sent back to the cashapp account that was used to deposit funds. I declined and was told verbatim that " IF it's your account, why not? ", as if I have to explain to them WHY I want MY funds allocated to certain accounts!!!! 

They then asked for the following : Check stub Direct deposit for from XXXX recent statement from XXXX I provided them ALL and they STILL told me that my funds would ONLY be sent to the address on file or my cashapp account. 

I am UTTERLY disgusted and humiliated by this process. I have verified my account with SEVEN documents and was told today that my account will be closed because " the activity does not adhere to the policies and regulations of Penfed '', but no-one can tell me WHAT policy I violated!!! 

This is a TERRIBLE way to treat your members!
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX  XX/XX/XXXX experian XXXX XX/XX/XXXX experian XXXX XX/XX/XXXX experian XXXX XXXX XX/XX/XXXX experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX experian XXXX XX/XX/XXXX experian XXXX XXXX XX/XX/XXXX experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

I request an immediate investigation of the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I request that they be removed from my credit report. I also request that I be provided with an updated copy of my credit report once any necessary corrections have been made. A copy of my identification is attached to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting

DPT OF TREASURY XXXX XXXX XXXX XXXX, XXXX, XXXX.XXXX XXXX. PUT XXXX CHARGES THAT I PAID AT VA HOSPITAL THE DAY I GOT MED THEY HELD EACH OVER AND PUT THEM ON MY CREDIT PROFILE AFTER I HAD PAID THEM STATING PAYMENT AFTER CHARGE OFF/COLLECTION /PAID COLLECTION. I NEED MY CREDIT I HAVE. THIS IS CREATING ME PROBLEMS OF BAD CREDIT. PLEASE HELP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR {$72.00}, XXXX FOR {$56.00}. BOTH PAID BY CHECK AT VA XXXX. I NEED THESE REMOVED TO IMPROVE MY CREDIT. WHEN BILLED I PAY MY BILLS. PHONE:XXXX. I STILL AM FED LAW ENFORCEMENT OFFICER FROM XXXX. NOT AFRAID TO PUBLISH WHAT I HAVE AS ALL INFO SEEKERS ARE ACCOUNTED FOR BY XXXX, COMP ID BY THE SECURTIES I HAVE.
Product: Credit reporting or other personal consumer reports

I looked at my credit report from all XXXX credit bureaus and there were several inaccuracies. These inaccurate remarks are placing a very negative hold over my life and I just want my life back. I disputed with all XXXX and nothing was done.
Product: Money transfer, virtual currency, or money service

Hi, My complain about : paypal banned my account since last year XXXX 2022, My money was stock. I comply with their rules and regulations and still blocked my account. Thanks for helping My paypal acct : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX XXXX. They gave the account to a collection agency. I then paid the account in full. They sent me a letter with proof it was paid. They notified XXXX XXXX continues to report it as a charge off. At this point after so many disputes and they continue to report false info I believe this should be totally removed from my credit report because of the problems being raised.
Product: Student loan

I paid off several loans in full and received confirmation of this. Several months later they added money back to these loans and won't remove it. They say I need to pay it now and they give the money back once this point is clarified, but I won't pay because I doubt this money will ever be repaid to me. I attached the certificate stating I paid in full, and the current balances where they added money back ( Loans XXXX ). I called and they " don't know the problem and may take up to XXXX business days to resolve ''. I have the receipts so this should be resolved immediately.This is regarding case # XXXX