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

Subject : Formal Dispute of Inaccurate Credit Report Item Dear [ Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute an inaccurate item on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed account is as follows : Creditor : XXXX XXXX XXXX XXXX Account Number : [ Last Four Digits : XXXX ] Status : Collection/Charge-Off Balance : {$16000.00} This information is inaccurate, and I am requesting its immediate investigation and removal from my credit file. Under the FCRA, you are required to ensure that all reported information is accurate, verifiable, and fair. If the furnisher of this information can not substantiate its validity, it must be deleted. 
Legal Basis for My Dispute 1. Failure to Provide Proper Validation Under 15 U.S.C. 1681s-2 ( a ), data furnishers must ensure the accuracy of the information reported. If the creditor can not provide full validation, including original signed agreements and full accounting history, this account must be removed. 
2. Inaccurate Reporting Beyond the Credit Limit The reported balance exceeds my original credit limit of {$15000.00}. This raises questions about the legitimacy and accuracy of the balance, violating 15 U.S.C. 1681e ( b ).

3. Incorrect Charge-Off Reporting According to federal regulations, a charge-off is an internal accounting action and should not be continuously updated as a delinquent debt. If this is being reported inaccurately as a current obligation rather than a historical notation, it is misleading and must be corrected under 15 U.S.C. 1681i ( a ).
Product: Debt collection

I received information ( letters ) from the collection agency stating that they are servicing an alledged account that I dispute in its entirety. 
Their response to my dispute that I submitted via CFPB. Again, I am requesting in accordance with Section 1006.34 CERTIFIED PROOF that I received a copy of the letter because I will sware under oath that I never received it and via CFPB portal is the first time I laid my eyes on it. Therefore, I want in accordance with the aforementioned LAW that I received it. 

I demand PROOF that they sent me notice regarding this alledged debt that I dispute in its entirety. 
I want the entry to be DELETED from ALL credit reporting agencies that they are illegally reporting to. If this information is not removed then I could care less that they retain {$300.00} - {$500.00} hourly for attorneys to defend the agency ( s ). 
I will be seeking compensation for your illegal actions if I am forced to. 
Additionally, I am requesting in accordance with the Gramm-Leach- Blilley ( 6802 ) act that the Financial Institution that alledges they have a right to transmit my NON PUBLIC PERSONAL INFORMATION will have to prove it. 
Additionally, I am requesting that I be provided with proof that the Financial Institution regarding this alledged debt in accord with the Gramm-Leach-Blilley-Act ( GLBA ) furnish me with an intial private policy notice as well as annual privacy notice during my alledged tenure as a customer provided under ( GLBA ). 
As an alledged customer Financial Institutions can be held liable for failing to provide these notices to customers and fined {$10000.00} to {$100000.00}. I am requesting this information since you are alledging I owe this debt to a Financial Institution at some point. 
Financial Institutions must adhere to such regulations and are deemed Financial Institutions in accordance with Title 12 1843 ( k ). 
I was never a customer and demand you prove it. I also am requesting a copy of the PURCHASE AGREEMENT regarding this alledged debt between the parties purchased the account and alledged ORIGINAL CREDITOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I attempted to open a savings account at XXXX XXXX XXXX XXXX California in XXXX XXXX and was denied due to a Fraud Ring Activity Alert on file with the 3 credit bureaus XXXX, Equifax and XXXX. This fraud alert was placed on my profile by XXXX XXXX XXXX on XX/XX/XXXX and I was reported to XXXX XXXX   who sent me a letter on XX/XX/XXXX notifying me that they have removed this information from my file as a result of my Bankruptcy discharge. I have attached supporting documentation with this dispute
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX regarding discrepancies in the reporting of my account. I have submitted disputes for the account in question, disputing the accuracy of certain information. Despite my efforts, XXXX XXXX has responded asserting that the information is verified and accurate. However, I have observed significant disparities between their reported information and that of XXXX and Transunion. 

The discrepancies that I am disputing include : Account Status : XXXX XXXX reports a different account status compared to XXXX and Transunion. The accurate account status must be promptly reflected to ensure fair and accurate credit reporting. 

Date Opened : There is a notable variance in the reported " Date Opened '' by XXXX XXXX compared to XXXX and Transunion. It is imperative that the accurate date be reflected for proper credit assessment. 

Date of Last Activity : The reported " Date of Last Activity '' differs between XXXX XXXX and the information provided by XXXX and Transunion. Ensuring the correct date is crucial for an accurate representation of my credit history. 

I have attached supporting documentation, including the responses from XXXX XXXX, as well as the corresponding information from XXXX and Transunion. The evidence clearly demonstrates the inaccuracies in XXXX XXXX 's reporting. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that XXXX XXXX rectifies the inaccuracies in their reporting. I am seeking the removal of the discrepancies mentioned above to maintain the integrity of my credit report.
Product: Debt collection

Remove the fraudulent accounts from my credit file within the required timeframe, as mandated by FCRA. This is a final warning : If the listed accounts are not blocked or removed, legal action will be taken, and my attorney is ready to ensure accountability for your noncompliance. DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX  Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I see an item on my credit report that should not be there. Please investigate, verify, and remove item immediately. This is not an active account. 

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

I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX   {$760.00}
Product: Debt collection

AMERICOLLECT INC Is attempting to collect a debt that is not legally owed by me. 

I am unaware of this collection and is deemed fraudulent.
Product: Debt collection

I mailed a cease and desist letter to MRS BPO on XX/XX/2022 not to contact electronically or phone to myself, any family members, neighbors or friends. For about two weeks the calls stopped. For the last four days they have called daily.
Product: Debt collection

I have asked Central Financial Control to validate a collection they are reporting on my credit reports from XXXX/XXXX/15 to XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Mortgage

I refinanced my loan in XXXX with Cardinal Financial Company, LP. Since XXXX, I have requested via phone ( 5 times ), email ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) and secure message via their website ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) payment via escrow of my Home Owner 's Insurance. Also, in XXXX, I provided my new loan information to the Home Owner 's Insurance company to resubmit the bill to Cardinal Financial. 

Each time I call, I am on hold for 45+ minutes and the call either disconnects or I am asked to leave a message to which I never receive a response. 

I have received a notice from the mortgage service company of a delinquent status in my obligation to secure and maintain adequate home owner 's insurance. The notice also indicated if this was not rectified that the service company would purchase home owner 's insurance on my behalf. 

I am unsure as to how to resolve this given their extreme lack of responsiveness. 

I am concerned of this lapse in coverage and my inability to resolve this issue despite multiple, proactive steps on my part. 

Thank you.
Product: Debt collection

I filed complaint XXXX, which was resolved and the company admitted that they will not attempt to sell me their loan consolidation service. They are not honoring that resolution and are now calling me from a different company named " XXXX XXXX XXXX '' or they sold my private information to another vendor. A woman named XXXX called from ( XXXX ) XXXX and spoke with my father giving him a reference number XXXX. She divulged my personal and private information to a person that is not authorized to speak on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account : XXXX XXXX XXXX XXXXXXXX Balance : {$46000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX XXXX U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agenct can not furnish a account on my credit report without my written instructions.
Product: Credit card or prepaid card

Noted when checking online my checking account credit rating went down 1 point and that it was showing an alert. After checking the alert I found that someone had inquired on my credit rating to Well Fargo. I have not opened any new accounts or applied for any loans. I called Wells Fargo today and found out that a credit card had been issued by Wells Fargo for XXXX XXXX XXXX XXXX in my name on XX/XX/2022. There is already a balance of over {$2400.00}. I did not take out this credit card nor have I ever purchased any products from this company which I was informed was in Wisconsin. They also told be that this credit card was applied for on line. 
I do not want this to ruin my credit and be reported for being delinquent while this is being resolved. Also Wells Fargo said it may take up to 90 days to research this. Really! 90 days? In my opinion Wells Fargo is very sloppy in their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accorance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 Usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : a creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX FN and SNAP ON CRDXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In past times my identity has been compromised and that lead to unauthorized accounts on my credit report. Also I'm a XXXX ( XXXX ) and sometimes that crosses accounts that usually not mines. The two ( 2 ) accounts inwhich I'm disputing are, ( 1 )  XXXX XXXX {$3200.00}, and ( 2 ) XXXX XXXX {$1700.00}. These accounts are not mines and I'm demanding that the three ( 3 ) major reporting agencies block them immediately, or provide me with certified physical documentation that validates their reporting. Please block accounts from my data file.
Product: Mortgage

I have received and paid various bills from Nationstar mortgage, however, I realized that I never signed a mortgage/loan agreement with them or their subsidiaries. I requested the loan origination documentation on the loan ( NUMBERXXXX ) but they have not provided me with any because I never had a loan with them. I would like to receive all of my money back and file an official complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX 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 received a copy of my credit report and I have multiple fraudulent activities which is stopping me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-XXXX FXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, FCRA Section 6:05 B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report. Thank you! Some of these items and also from closed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

These are not my accounts. I have no knowledge of these accounts. 15 USC 1681b. 
Please DELETE the following accounts from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

XXXX has called my phone daily for over 5 years. This has resulted in thousands of phone calls to my phone. I am being harassed. I am not XXXX XXXX.
Product: Debt collection

Calvery Portfolio has reported inaccurate information to the credit bureaus, the original debt occurred in XXXX, Calvery Portfolio purchased ( {$610.00} ) it from original creditor ( XXXX ) and said that the account was opened in XX/XX/XXXX which is an out right lie! I contacted Calvary portfolio in XX/XX/XXXX and was told that they had verification of the original debt that was supposed to be mailed to me, they never mailed documentation and they continue to report inaccurate information to credit bureaus, they have a recorded conversation from a past phone call. Thanks
Product: Credit reporting or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am going through the covid-19 problems and issues financial problems Capital One don't care about nobody but themselves this a very XXXX and unprofessional Bank but that's what happens when a bank be hacked so many times charging late fees on crisis I wish Kohl 's select another consumer Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging :
Product: Credit card

On XXXX XXXX XXXX I paid the outstanding balance of {$240.00}. On XXXX XXXX an unexpected refund of {$1000.00} occurred, leaving my account at- {$980.00}. 

When I contacted customer service, they claimed that I closed the account ( which is not true ), but they refused to explain the reasons and falsely blamed me for the closure. Therefore, I went personally to the branch in XXXX, Florida. After speaking with the Manager at my XXXX agency, I was directed to an agent who vaguely stated, " it's the bank 's policy not to provide explanations, so your money will be refunded within 7 to 10 days. '' This action will impact my credit history, despite having no late payments for years ( as a closed account is a stain that remains on my record for 7 years ). I chose the card to improve my credit and strategically reduced its use to qualify for a more significant credit, such as a mortgage for my home. 

Was I penalized for having no debt? Was my account closed for aiming to maintain a XXXX XXXX XXXX' balance to qualify for a larger credit? Is a closure of {$1000.00} beneficial for a financial institution that could have gained a {$350000.00} home loan? Who is truly making the mistake? 

Regions Bank has been my preferred choice for years, and I have recommended their services to family and friends. This unexpected and unfortunate experience raises serious doubts about the integrity and customer service of the bank. 

I hope that the Regions Bank intervenes and mediates in this matter to ensure a fair and prompt resolution.