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

Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fait Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a responsible reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought light significant concerns regarding Equifax and XXXX, CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax and XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. This reinvestigation has been done in 24 hours which is unlawful per FCRA. Furthermore, any information found to be inaccurate or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Equifax and XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information XXXX. Provide the chain of assignment XXXX. Delete any accounts that can not be verified or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Equifax and XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. 
If Equifax and XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legal mandated timeframe. I expect written confirmation of any changes made for my credit file
Product: Credit reporting or other personal consumer reports

account is already paid but it still shows negative on my credit report and the status is derogatory
Product: Credit reporting or other personal consumer reports

Bank of America was paid in full and refuses to remove me from the credit report they were not only paid they made between 2 to {$3000.00} in interest and agreed to the settlement I want them to remove the negative from the current credit reports
Product: Mortgage

Change Home Mortage sold my loan to a new service provider XXXX XXXX  but has failed to send and /or proof they forwarded our first months payment made to Change Home Mortgage to new service loan provider. Additionally, Change Home Mortgage has failed to supply clarity over the phone on this matter after at least 4 calls. Agents from Change Home mentioned several different dates of loan transfer and amounts transferred. Did not provide proof funds of first months payment were sent to new service provider.
Product: Mortgage

I filed for a chapter XXXX, for which my mortgage company Mr. Cooper was NOT included, and they are refusing to accept my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

JPMCB CARD SERVICES This account was closed on XX/XX/XXXX Last reported XX/XX/XXXX {$610.00} Reported balance OpenedOct XXXX, XXXX ( 14 yrs, 8 mos ) The balance is paid in full-letter attached from the Chase ... Company contacted every month on the XXXX and XXXX since XXXX requesting deletion of the {$610.00}. 

The law states after 7 years a deletion of the listing is required by the company ... XXXX to XXXX is well over 7 years.
Product: Credit reporting or other personal consumer reports

There are 2 late payments on my credit report, and I have always had my accounts on time and up to date
Product: Credit reporting or other personal consumer reports

Tonight, I was stunned to find incorrect accounts on my credit report, and I can't figure out why. I check my credit report regularly, and this time, there were unexpected errors. I even tried refreshing my browser, hoping it was a glitch, but it wasnt. The errors remained after multiple refreshes. I'm asking for a thorough review of the documents I've submitted so I can finally feel at ease and not have to worry about this again.
Product: Debt collection

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  XXXX/ {$210.00} / XX/XX/2022
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative and outdated items and incorrect addresses from XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable.

Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below XXXX XXXX XXXX XXXX XXXX ; {$43000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( see Attach ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was notified by XXXX monitoring service that a major derogatory report was detected. It was filed by a collection service- Amsher collection servicesXXXX XXXXXXXX ( XXXX XXXX. I contacted them and was told there were 2 accounts that went to collection from XXXX and they were in my name.These were not mine and contested them. They opened a fraud case # XXXX and are sending instruction on what I need to do. I was told that the first collection case was for {$230.00} ( case # XXXX ) the second was for {$2600.00} ( case # XXXX ). Suspect apparently used my name and XXXX XXXX XXXX, XXXX, XXXX as an address. ( not my address and I don't have a XXXX phone either ). This collection service never tried to contact, just file negative report! I will be filing a police report and have placed fraud alert with the 3 credit bureaus.. 
















i
Product: Debt collection

MRS Associates put a already paid account from XXXX XXXX XXXX  on my credit reports on XX/XX/XXXX. This account was paid in full over a month ago in XXXX directly to XXXX XXXX XXXX so I never owed this debt to them ever. This is illegal and in violation of the FDCPA. This account should be removed not updated.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX BALANCED {$2500.00} XXXX XXXXXXXX BALANCED {$240.00}
Product: Credit card or prepaid card

The company misled me into adding XXXX XXXX XXXX, which is an insurance product that I did not know about and did not want.
Product: Debt collection

I XXXX XXXX am a natural person, Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature. This Demand is a response to willful disregard of the law by XXXX XXXX XXXX, XXXX XXXX COMPASS BANK COMPASS BANK is presenting a gross mischaracterization of an alleged debt. XXXX XXXX XXXX XXXXXXXX XXXX attempt to ignore my initial claim of COMPASS BANKs alleged theory that they are entitled to funds not owed to them as defined in 15 U.S. Code 1602 TRUTH IN LENDING ACT The EXHIBITS attached will show direct violations of 15 USC 1692e ( A ) the legal status of a debt 15 USC 1692e ( 3 ) the implication that any individual is an attorney The EXHIBITS attached will show direct violations of 15 USC 1692b ( 2 ) Stating the consumer owes a debt 15 USC 1692b ( 3 ) Not communicate with any person more than once 15 USC 1692b ( 5 ) the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Debt collection

To Whom It May Concern : I am writing to dispute an account on my credit report, which I have contested four times without receiving sufficient information. The details of the dispute are as follows : Account Details : Disputed Amount : : {$460.00} Account Open Date : XX/XX/year> Issues : Amount Discrepancy : I do not agree with the amount listed for this account. 
Incorrect Open Date : The date listed as the account open date is inaccurate. 
Request : Under 15 USC 1692g and 15 USC 1681s-2, I am requesting that you provide : The last billing statement from the original creditor, including the amount due and the date it was due. 
If you can not provide this information, I request that this account be deleted from my credit report. 

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

The accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and violating my rights under the following US codes ; 15 US.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 man 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. 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have listed the accounts that are negatively affecting my life below : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have not been properly reported nor investigated. As I have also suffered from XXXX XXXX. And the Cares act and FCRA state that creditors aren't supposed to furbish negative data during the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are reporting late payments on my auto loan account XXXX. I previously disputed this account in the past and they have failed to validated and provide proof of the following. 
I would like proof of each late payment, the amount of the fees, and rather the balance adds up correctly for the dates listed below. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If you are unable to verify the items listed above, please remove the late payments in pursuant of 15 USC 1666 Correction Of Billing Errors. 
Thank You
Product: Debt collection

XX/XX/2018 Today, I tried to resolve a credit card issue with XXXX XXXX and their Collection Agency, XXXX XXXX. My mothers account was canceled several months ago. The statements were being sent to a different address than hers in Florida. 

XXXX XXXX said they sent the account to their collection agency for non payment. I called the Collection Agency and tried to resolve the matter and the collection agency wanted to speak with my mother who is XXXX XXXX XXXX. They started arguing with her and harassing her and demanding to get her bank routing number. I told her not to give it because they would not send any records of her charges and dates. They demanded to get her bank routing number and would not even take a credit card # to pay the outstanding balance. 

I am filing a complaint against XXXX XXXX and XXXX XXXX for treating customers this way, especially vulnerable elderly people.
Product: Checking or savings account

On or around XXXX of XX/XX/2019 I started receiving overdraft fees from automatic payments that would not cancel from the company. When I contacted Wells Fargo they refused to refund my over draft fees, they refused to close my account and refused to try and stop any unauthorized charges coming through my account. This went on for several months resulting in over {$1000.00} in overdraft fees and leaving me unable to recover my account. Eventually Wells Fargo closed my account only after they were able to allow many overdraft fees to accumulate in their favor. Now I am unable to login into my account to recover any financial documents for taxes and proof of the fraud they are committing.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted all 3 Credit Bureaus XXXX, Experian and XXXX several times regarding XXXX accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I recieve notice the bureaus with out cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 

XXXX XXXX {$0.00} {$250.00} {$5400.00} XXXX REPOSSESSION {$510.00} XXXX XXXX {$4000.00} {$46.00} {$4600.00} XXXX CHARGE-OFF {$1500.00} XXXX XXXX {$3000.00} {$3600.00} {$3600.00} XXXX CHARGE-OFF {$3600.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received a notice from Citibank two weeks before my credit card was due to expire ( dated XX/XX/XXXX ) notifying me that the card would not be reissued due to a " charge off or bankruptcy '' on another card. I was surprised, because I do not have another credit card account, and I have never declared bankruptcy. Upon further review, it appears a charge off was submitted to the credit bureau by Citibank for another account that was opened without my permission as a result of Costco transferring accounts from XXXX XXXX. As I had auto-pay set up for my XXXX and other accounts and was traveling, I was not paying close attention to my mail at the time. Once I realized that this new account had been opened in my name without my permission, I called Citibank to notify them that I did not authorize opening this account, that I never activated the credit card they sent me, and that I wanted the account to be closed. The assured me the account would be closed and all charges would be reversed. This was in XX/XX/XXXX ( XX/XX/XXXX according to my records ). The person I spoke to advised me that in order to have a delinquency associated with this falsely created account removed from my account, I would need to fax a letter to their Credit Bureau Disputes department, which I did. 

As I have discovered by reviewing my credit report, before the charge-off, Citibank listed a {$5.00} balance on my account. It appears they never reversed all the charges and likely continued to attempt to charge me interest on charges I never authorized on an account I never authorized to be opened. As far as I can tell, they never responded to my Credit Bureau Disputes letter and never removed the incorrect information from my credit report. 

Now, on my active credit card account that has been open for over 20 years without a single delinquency, they have told me they are unable to renew my card because of " information from the credit bureau ''. After 4+ hours on the phone and being told my information was being forwarded to a " specialist '' who would contact me within 24-48 hours ( that certainly never happened ), I had to spend another 15 minutes on the phone to receive a definitive statement that Citibank will not allow me to speak to anyone who has any authority to make a decision about my account. 

Because of the lateness of the notice and the inaccurate, negative information Citibank has added to my credit report, I am left with no time to find another source of credit, insufficient time to pursue a reversal of the information on my credit report, and a damaged credit rating that puts me in a poor position to seek alternate sources of credit, all as a result of Citibank 's negligent actions and refusal to correct their own mistakes. Citibank seems to have constructed walls of bureaucracy in order to prevent their customers from resolving issues that Citibank itself created, as every person I was able to speak with was unable to view the full history of my accounts.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXXXXXX Balance : {$370000.00}.