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

Subject : Formal Dispute of Inaccurate Reporting Demand for Deletion Dear to whom this may concern, I am writing to formally dispute the inaccurate reporting of the XXXX/BRIDGECREST account on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to report only accurate and verifiable information. This account has been incorrectly reported and must be removed immediately. 

Disputed Inaccuracies : 1. Failure to Provide Verification Despite my repeated requests, neither XXXX/BRIDGECREST nor the credit bureaus have provided me with proper documentation proving the accuracy and ownership of this debt. Under FCRA 609 ( a ) ( 1 ), I have the right to request all records and documentation used to verify the debt. Since no legally sufficient proof has been provided, the account must be deleted. 
2. Inconsistent and Incorrect Payment History The reported payment history contains multiple inaccuracies : The charge-off was reported inconsistently over several months, failing to follow the standard 30-60-90-day delinquency process.

The account status contradicts itself by showing past due balances despite being marked as charged off.

The reporting dates are inconsistent and unreliable, violating FCRA 1681s-2 ( b ). 
3

. Violation of FCRA 623 ( a ) ( 3 ) Duty to Provide Accurate Information This account is being reported as an outstanding balance despite being charged off. This is misleading and a direct violation of the FCRA. Since the information reported is incomplete and unverifiable, it must be corrected or deleted as per FCRA 1681i ( a ) ( 5 ) ( A ).

Demand for Immediate Resolution :. Delete and permanently block the XXXX/BRIDGECREST account from my credit report.

Provide me with a written statement confirming the deletion within 10 days of receiving this letter. 
Cease further reporting of this inaccurate information to any credit bureau. 

Failure to comply with this request will leave me no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies. I am fully prepared to seek legal action for damages under FCRA 1681n and 1681o for willful and negligent noncompliance. 

This letter serves as my final request for resolution before I proceed with legal action. Please investigate this matter immediately and send me written confirmation of your compliance within the legally required timeframe. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On about XXXX XXXX XXXX I recieved a letter from Bank of America stating that they resolved the dispute in my favor for the amount of XXXX which they said they issued to me.. I have not yet recieved that money I called to fix this but they keep telling me that they will resolve it and havent I am homeless I really need this help
Product: Credit reporting or other personal consumer reports

I am writing to express my gravest concerns and formally notify you of the continued non-compliance and willful negligence by Equifax and XXXX XXXX XXXX XXXX regarding your previous response on XX/XX/year>. Your failure to address the inaccuracies detailed in my initial communication, specifically the erroneous reporting and the ongoing omission of accurate payment data, constitutes a clear and willful violation of the Fair Credit Reporting Act ( FCRA ), particularly under the provisions of 15 U.S.C. 1681i and 15 U.S.C. 1681n. 

This deliberate neglect has not only misrepresented my financial behavior but has also systematically undermined my financial integrity by failing to report accurate, positive payment histories. This one-sided reporting is causing me significant financial harm, including but not limited to increased interest rates, credit denials, and severe damage to my credit reputation. 

Equifaxs and XXXX XXXX XXXXXXXX XXXX  actionsor lack thereofconstitute a willful non-compliance with the FCRA, which explicitly states under 15 U.S.C. 1681n that a consumer may recover statutory damages of to {$1000.00} for each violation. Furthermore, their agencys repeated errors and omissions reflect negligent non-compliance under 15 U.S.C. 1681o, for which I am also entitled to recover actual damages incurred as a result of your misconduct. 
I have attached images of the 5 most recent violations of just ( NR ) NOT REPORTING payments on top of not removing reported late ones that late fees were also paid on to make current but they blatantly I have just realized their shady practices of now reporting only the late payments that late fees were Weived/ VOIDED FEES to keep my account Derogatory when it is CURRENT Furthermore purposefully and willfully causing me to pay not only the higher interest on the vehicle but also late fees but making me look like I dont pay my bills at all while making me pay for the car twice over. But thats another conversation for another day.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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

On XX/XX/2021, I applied for and was approved for the Citi XXXX XXXX XXXX XXXX MasterCard credit card. The promotion was XXXX bonus miles after spending {$5000.00} in the first three months. 

On XX/XX/2021, I noticed they were advertising a promotion for the same credit card that also included XXXX bonus XXXX XXXX Elite Qualifying Miles after spending {$5000.00} in the first three months. 

On XX/XX/2021, I called Citi to ask if I could take advantage of the new promotion as I had not even received the new credit card in the mail, and they informed me that it was for new applicants only therefore I did not qualify for the promotion. 

Citi informed me that there was a process in place to prevent me from being able to take advantage of the current promotion even though I did not have possession of the card I applied for and was approved for on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX {$470.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Personal Information Also Known As : XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX
Product: Credit reporting

I requested my credit report thru annual credit report. After filling out the info and answering the security questions, TransUnion 's report did show up. I went to save and print and it kicked me off the page and said I needed to request by mail or phone. The next report, XXXX, said they could not process my request and to send them copies of my social, Drivers license, mort papers, utility bills, etc. Are you kidding me? I am not sending my personal info in the mail like that, that is how identities get stolen. I am completely shocked this credit agency would ask me to send these things, especially when they know this info already. Needless to say I did not get a single report and now have to wait 12 months to request another XXXX unless I pay.
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 XXXX 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 XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$1000.00} This was a fraudulent scam involving a XXXX XXXX XXXX. 
Company refused to take liability for one of their customers, which they verified as a real and true person. 
Company refuses to use their bond and insurance to recover the funds. 
Company refuses to supply their underwriting company and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to separate my information from my siblings. Equifax disputes were previously submitted ; however Equifax has failed to correctly fix the disputes. My siblings and I have similar names, but separate dates of birth and separate social security numbers. In 2020, I called Equifax 's number in order to obtain a copy of my free credit report before applying for a loan. The Equifax automated system pulled my information and the credit report was sent. After I received my report, I applied and received a loan through XXXX XXXX XXXX XXXX. The loan through XXXX XXXX XXXX XXXX was successfully paid off, and I was in good standings with XXXX XXXX XXXX XXXX. 
My sister recently, created a MyEquifax account using all of her personal details. After the account was created, she noticed that all of my personal information displayed under her newly established MyEquifax account. Since then, several disputes were submitted, and Equifax failed to resolve the issues my separating our details as well as correctly attaching the correct social security number to the correct person. Somehow, Equifax has merged our personal details, and we really need this fixed accordingly. 
There a several disputes with Equifax that are listed on my sister 's MyEquifax account. Both of us tried to get this corrected. Equifax also inaccurately placed my disputes under her username and login information. The disputes listed were not resolved correctly by Equifax. The Equifax dispute numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. We have also disputed and escalated our concerns and the file confirmation numbers are : XXXX and XXXX. Equifax has given us the run-around. This is causing me financial hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I contacted Target XXXX XXXX to make a payment. I set up what I thought was a automatic payments on my target card, because due to COVID-19 it was difficult to go into the store to make payments. 

In XXXX, I went to use my Target card, but the card was declined, which I thought was strange since I rarely used the card. I contacted Target XXXX XXXX, the employee advised me that my card was declined due to late payments. I explained to her that in XXXX I set up automatic payment, so there had to be a mistake. The employee I spoke to said the reoccurring payment was only for one payment. I advised her that when I set the automatic payment, that this was not explained to me, and made no sense. I advised her this appeared to be deceitful actions by the card service, because the wording describes automatic payments, and I was not told but the first employee that the payment was a one time payment that would be automatically taken out. 

The employee I spoke to said that shouldve been explained to me and that she would remove any late fees XXXX XXXX, XXXX, and XXXX ) or reports to the credit bureau, due to the one time payment plan not being explained to me correctly. I then paid my XXXX bill with the employee, to avoid any further problems. 

On XX/XX/2020, I was notified by my financial expert, that there was a 30 day late reported to credit bureaus for XXXX. I checked my life lock account, and it showed no late charges for XXXX or XXXX, but it appeared the employee did not remove the late fee for XXXX. 

I immediately contacted Target Card Services, because the employee I spoke to in XXXX advised she was going to remove all late fees. I spoke with the employee/supervisor XXXX, and she said she could not remove the reported 30 day late report, even if it was there fault. I explained to her that I was told months ago it would be removed from my account, and she said there was nothing she could do on her end. I advised her the reason the payments were not made, because I was under the assumption they were being withdrawn automatically, which she said she understood, but she again said she could do nothing. I asked to speak with a manager and she advised me that they were out to lunch.

This is my second attempt with submitting a claim against Target Card Services, I believe they are being unfair, and they should take some responsibilities, especially since the payment method was not explained to me correctly and second the employee did remove two of three 30 day late fees, which at the time I made my payment in XXXX, it was not 30 days past. 

I would like for Target to do what is right and remove the 3rd late fee and send me a letter stating they would. This incident is potentially costing my thousands of dollars, and is catastrophic to my credit score, which I have worked hard to improve, especially during these financially tough times.

I would hope CFPB could do a three-way phone call with myself and Target Card Services, so that I can explain to them this issue and what financial burden it is causing me. 

Thank you for your time.
Product: Debt collection

This company has called me since the beginning of XX/XX/XXXX, and continually states on the phone that they are not required to prove that my husband owes the debt. They say, " you have to prove that you don't owe it. '' I have continuously asked for proof of this debt and in writing. I do not know how they got my phone number. The alleged debt is through a payday loan company, taken out with a California address online through XXXX XXXX XXXX and XXXX XXXX and was " turned over to collections in XXXX. '' This is the information they provided me. It is impossible for my husband to have taken this loan out, since he has not lived in California since XXXX. There is also no record of this on my husband 's credit report for the loan ( s ) that they are claiming. There are " two '' companies that have called me about the same " debt '' and they call themselves XXXX and XXXX XXXX XXXX. They " both '' use the same information about the alleged debt that I described above. I suspect that they are the same company.
Product: Checking or savings account

My daughter is on my checking account. I receive SSA benefits and XXXX  retirement benefits. She has been taking the electronic payments out of my checking without my consent and or authorization.
Product: Credit reporting

This debit has not been accurately verified. The bureau does not have a contract with my signature. It is also a possible duplicate account.
Product: Debt collection

On XX/XX/year>, I received a summons from XXXX XXXX XXXX, informing that I was scheduled to appear in court on XX/XX/year> at XXXX to answer to debt that is owed to their company Nathan and Nathan PC XXXX XXXX XXXX for {$2300.00}. I met with XXXX XXXX regarding the alleged amount owed to the company. She refused to provide a copy of original credit agreement allegedly signed by me and the purchase agreement given her and her employers the right to collect on said Debt XXXX XXXX reply is we do not have to provide that information to you. Are you ready to pay the debt now. I stated no I can not afford to pay a debt. I need the requested verification of purchase agreement and copy of the original credit agreement. XXXX XXXX denied request again and stated that she was resetting my court date for XX/XX/year> at XXXX and letter of reset date received via mail at my legal residence.
Product: Credit card or prepaid card

I obtained a 0 % card MySynchrony account XXXX months ago when I made a purchase through an affiliated vendor. When I received my first bill, I set up autopay to pay the minimum monthly payment each month. The next month, on the scheduled payment date ( XX/XX/XXXX  ), Synchrony debited my linked checking account for the full balance in my card, causing an overdraft on my account. I tried handling this issue online, but automated service options did not work. I called the customer service center during stated customer service hours ( XXXX XXXX XXXX on XXXX ) and was never put through to a representative after an hour of holding.
Product: Debt collection

Someone stole my identity and opened many accounts wihtout my permission or authority. Please check 100 percent accurate, true correct. XXXX  XXXX is aware of the issue & agreed to remove the account from my credit file. Please remove.
Product: Debt collection

I was seen at XXXX hospital for a emergency. My insurance company covered the visit 100 %. I received a bill for XXXX. I called them gave them my insurance again. Then heard nothing again for awhile then bills started coming again. I kept calling in my insurance information. Finally they sent it to collections without giving me the right to dispute the charges.
Product: Mortgage

I have been dealing with numerous issues with this company, and since my last complaint when the messed up on my escrow and accidently cut me an overage check ..the agreement with XXXX a supervisor whom I spoke with on XXXX XXXX 2015, Phh had cut me an overage check for my escrow which should not have been dispersed to me because their system thought my home insurance was paid for XXXX 2015 but it had not been that 's why the check was cut to me, which caused my to have an underage in my escrow..When I spoke with XXXX we agreed to take the escrow overage and break it into 24months, so my house payment would be XXXX and some change so I rounded up to XXXX. On XXXX XXXX my bank account was charged XXXX causing my bank account to go negative XXXX, and that caused a XXXX over draft fee, so PHH charged me an amount we did not agree upon, and caused my banking account to go negative total of XXXX. I have had nothing but problems with this company, I never receive my supervisor call backs when I request them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to my previous complaint in which I urgently requested the removal of fraudulent accounts and associated information that the Credit Reporting Agencies have been erroneously reporting on my Credit File. I am aware that, according to the Fair Credit Reporting Act section 605b, the Credit Bureaus are legally obligated to expunge any and all accounts and information resulting from fraudulent activities. I implore you to assist me in promptly eliminating the following items from my Credit File : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is imperative to emphasize that these items are entirely unfamiliar to me and should never have been included in my Credit File. If the Credit Reporting Agencies contend that these disputed items legitimately belong to me and that they possess the legal rights to report them on my Credit File, I demand that the Credit Bureaus provide me with copies of the documents they have purportedly discovered to substantiate these claims. In the absence of such documentation, I expect nothing less than the immediate removal of the disputed items.
Product: Credit card

I am writing to formally submit a complaint against PayPal and Synchrony Bank regarding my ongoing issues with a PayPal credit card that I opened in XX/XX/XXXX. 

Upon receiving and activating the card, I encountered persistent issues where all my attempted transactions were declined. Shortly thereafter, I began noticing unauthorized charges on my account. I promptly reported these fraudulent activities, leading to the issuance of several replacement cards ; however, the unauthorized charges were never resolved, and PayPal continued to pursue me for the outstanding balance. 

As of today, XX/XX/XXXX, the total of these unrecognized charges has escalated to {$10000.00}. Despite my repeated attempts to clarify this situation with both PayPal and Synchrony Bank, I have received inconsistent information. I possess a letter from Synchrony dated XX/XX/XXXX, confirming that my credit card account has been closed and that credit bureaus have been notified. Yet, I have just received another statement from XXXX dated XX/XX/XXXX, indicating a balance of {$10000.00}. 

This matter has now become particularly distressing, as the unpaid balance is negatively affecting my credit score. I am being held accountable for charges related to a card I could not use and attempted to close. It is deeply frustrating to be caught in this situation, especially when it appears that I have taken all necessary steps to resolve it.

I respectfully request your assistance in addressing this matter and ensuring that PayPal and Synchrony Bank fulfill their responsibilities to rectify the unauthorized charges and provide accurate information regarding my account status.

Thank you for your attention to this pressing issue.

Sincerely,