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

On XX/XX/XXXX, I sent an email to the XXXX XXXX, XXXX of Capital One, and was contacted by a representative regarding a late payment from XXXX. They informed me they are reporting accurately however this is grossly incorrect. Back in XXXX I contacted CapitalOne in advance to enter a forbearance for credit card payments due to XXXX XXXXXXXX and was approved. I should not have any missed payments as I was in forbearance during the time a late payment was reported. This late payment is in violation of 15 USC 1681s-2 ( F ) and should be updated to report as ON TIME and the XXXX XXXX Late removed. 

Additionally, as per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). Furthermore Capital One is reporting the date of delinquency inaccurately across all XXXX bureaus. I request that you conduct a thorough investigation into this late payment to verify its accuracy. If this late payment can not be verified, it should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). The FCRA grants me the right to request the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I would like to also note that I have been banking with Capital One since XXXX and out of my XXXX credit cards with them, I no other late payments, including during XXXX. 

Enclosed please find communication from Capital One verifying my forbearance in XXXX and noting my due date for the next payment would be XX/XX/XXXX. I would like swift and immediate action to correcting this as inaccurately reporting on my credit report has disproportionately impacted my financial stability over the past XXXX years.
Product: Checking or savings account

I was a victim of identity theft starting at the age of XXXX and someone opened bank accounts, credit cards and checking accounts in my name. Ive never had XXXX XXXX XXXX XXXX in my life and you guys have cleared and closed the credit card that was in my name due to fraud and I need this checking account and savings account closed and removed as well.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again and and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again there have been no updates and account is still reflecting on the report. I do not bellove the account belongs to me nor do I bolieve that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all XXXX is correct
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on Account [ XXXX ] Dear CFPB, I am filing a formal complaint against your bureau for failing to correct inaccurate information regarding late payments reported on my credit report for account [ XXXX ]. Despite multiple requests for correction via disputes submitted on XX/XX/XXXX and XX/XX/XXXX, no action has been taken to address these inaccuracies. This lack of resolution is a clear violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting on this account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. Your bureaus continued inaction contravenes this obligation.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The erroneous reporting of late payments has caused significant and undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The failure to correct this inaccurate information reflects non-compliance with these provisions.

Discrepancies and Account Information : Below are the discrepancies observed on my account : Account Details ( Equifax ) : Account Number : XXXX High Balance : {$2400.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Account Status : Open Payment Status : Current Two-Year Payment History : Erroneously reported 30-day late payment for XX/XX/XXXX Desired Resolution : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation of the corrections. 
Supporting Evidence : Copies of my payment history showing timely payments. 
Correspondence regarding previous disputes submitted on XX/XX/XXXX and XX/XX/XXXX. 
Relevant sections of the FCRA and TILA demonstrating your obligations.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

My balance of {$15000.00} was set up to automatically be drafted ( ACH ) on the due date of XX/XX/2021. The USAA ( United States Automobile Association ) statement said it was drafted on XX/XX/2021 and a note which said, " Thank you for the payment, {$15000.00}. '' I checked my credit union XXXX  XXXX XXXX XXXX XXXX ( XXXX ). The XXXX statement said the fund of {$15000.00} was drafted to USAA at XXXX XXXX  XX/XX/2021. I tried to charge the remaining balance for our grandkids XXXX trip with AAA, but the charges were denied. I called USAA at around XXXX XXXX  on XX/XX/2021. I went through a maze of phone transfers and speaking which took over 1.5 hours. Finally, I talked with XXXX who consistently talked over me, and she would not let me complete my sentence. She informed me that there was nothing she can do to release the fund payment hold until XX/XX/2021 which is over 7 days. In this high speed electronics age, USAA 's system is antiquated. I believe that this is an unfair business practice. I would like to know if this is a part of federal regulation/statute/CFR/Act or just USAA policy. Thank you. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I notice that Equifax and XXXX are reporting credit inquiries on my report that I didn't authorized nor did I benefited from. I DID NOT authorize the companies to make any inquiries or view my report. 

I did not give you Equifax or XXXX permission to furnish this information to my report. This violation the Credit Report Act section 1681b ( c ) and constitutes as fraudulent activity and is also a serious breach of the privacy act of 1974. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NV XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was overcharged by original creditor. I contacted original creditor about the issue, original creditor corrected bill, and I paid the bill in full. Nearly two years later, I found that a collections agency has reported this debt to ALL XXXX credit reporting agencies. I have not received a bill from this collection agency, nor have I been contacted by them in any other way. In fact, I do n't even know where they got the {$120.00} figure from that they claim that I owe. It is not the original amount owed, nor was it the difference between the original bill and the corrected bill, and since I paid the corrected bill in full, it is DEFINITELY not an outstanding balance. I DO NOT OWE ANY MONEY TO THIS COMPANY, AND IT SHOULD NOT BE APPEARING ON ANY OF MY CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  & Equifax is who this complaint is about. They are reporting that I owe debt on my consumer report which is a violation to my consumer protection laws untie the United States Code Title 15 Chapter 41. There is not one law that states that I am obligated to pay a bill. As I read over all of the laws I havent found any laws that pertain to a natural person that State they are obligated to pay debt. If there is a law and I missed it please inform me. Also the TRUTH IN LENDING LAWS define the term credit as defined the right granted by a creditor to a debtor. Under the FDCPA definitions the term creditor means any person who offers or extends credit creating a debt. I am the credit and I extended it. I am the original creditor not the corporations who sold you my information which is also violating my consumer protection laws because I did not give them permission to sell my personal information and I did not give you the credit bureaus the right to furnish a report on me. I demand that all of the accounts I have listed on my letter be deleted ASAP! Or I will be seeking remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have a few address on my file that are not accurate. I never lived at XXXX XXXX  XXXX XXXX, XXXX, OH XXXX ,XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX My SS # XXXX. please remove any variations of my name they are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that are not mine I have not accepted know what these are or where it came from. 

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

I have disputed inaccurate accounts on my credit report with Equifax more than four times. Where they have resolved some of the items they refuse to resolve the remaining. I am continuously told they have verified the remaining accounts however when I request the method of verification/validation they instruct me to reach out to the creditors reporting the items. I am currently unemployed and these inaccurate items are seriously damaging my credit standing and preventing me from securing employment. 

DISPUTES DATES AND RESULTS 1. XX/XX/XXXX - One account Deleted 2. XX/XX/XXXX - Four accounts Deleted 3. XX/XX/XXXX - Equifax initiated a Fraud Alert on my credit file. 
4. XX/XX/XXXX - Deleted accounts Added back 5. XX/XX/XXXX - Request for Method of Verification
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 XXXX XXXX LEXIS NEXUS 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 XXXX 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 ( XXXXXXXX XXXX XXXXXXXX ), 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  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 FRAUDULENT INQUIRES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXk XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

TransUnion still has a XXXX XXXX XXXX collection on my credit report with them. This collection was part of a divorce and the legal documents were given to XXXX XXXX XXXX as well as the collection agency who reported it on my credit. The collection and balance has been cleared out with XXXX XXXX XXXX and has actually been completely removed from my XXXX credit reports, however, TransUnion is still showing this collection on my Credit report. I have sent supporting documentation to TransUnion about this issue as well as they can see where it has been removed from the other credit bureaus. XXXX XXXX XXXX shows a {$0.00} balance. This is n't a " paid '' collection but a " removed '' collection. The amount of the collection is {$570.00}. This amount needs to be removed completely and my credit score needs to reflect that. THIS IS NOT A DISPUTE! This collection is my Ex Wife 's responsibility and XXXX XXXX XXXX removed that collection because they were given the proper legal documents to do so. The collection just somehow slipped through the cracks with TransUnion and needs to be removed. 
Also, The XXXX XXXX account for {$1100.00} has in the comments, " consumer disputes this account '' please remove that comment and any comment that says I dispute the XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still inaccurately reporting a bankruptcy on my credit report. I have disputed this information several times with no real investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX who sustained severe injury following a fall in XX/XX/2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function XXXX. My condition was so bad that I could not manage my finances. Due to my XXXX XXXX, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion in XX/XX/XXXX to dispute data on my credit report. 
While some inaccuracies were less significant such as inclusion of my deceased father 's name and outdated phone numbers, my primary complaint about a late payment on a closed XXXX XXXX ( XXXX ) account was not addressed or corrected. 
Before contacting TransUnion, I called XXXX concerning the corresponding account number listed on the TransUnion credit report and XXXX informed me that they had no record of me having such an account. 
I then contacted TransUnion to question their report. I told the TransUnion rep that XXXX had no record of me holding the listed account and requested TU to either provide a corrected XXXX   account number or delete the listing of a XX/XX/XXXX late payment of the listed {$5.00} balance.
Product: Debt collection

Everytime I called about payment of a debt that was outsourced to them they were rude, they practice illegal/abusive acts and tactics to attempt to collect debts, so we paid the creditor ( XXXX XXXX ) directly. After paying the creditor we were told by reps from this company that they would not remove. The creditor already assured us that this agency is a 3rd party and they are contracted by the creditor. The creditor informed us that it would be removed. I spoke to 3 reps all who refused to transfer me to a supervisor and were speaking to me in condescending manners/tones also all stating that it would not be removed. I informed each rep that I would contact the CFPB and each time I was responded to with a laugh. Also, I spoke to the creditor who informed me that she spoke to this company directly AGAIN and told them to remove it from our reports.I reported this to you guys and they closed it stating that the client said debt was owed which is a lie. Ive enclosed my proof of payment. This company needs to be looked into. The XXXX and XXXX  I have received from them is unheard of. Literally stressed me out and caused me anxiety. Rude and unprofessional to say the least.
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME. THE ACCOUNTS THAT WERE OPENED ARE 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 XXXXXX/XX/XXXX
Product: Mortgage

The state of XXXX sent a check to freedom in XXXX for the full arrears I owe. .yet can't get anyone to call me back when I leave messages for supervisors etc as to where payment went because they're known to lie about everything and lose payments ..just look at the complaints on other sites.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the repeated and unsuccessful attempts I have made to rectify inaccurate items on my credit report. The continued presence of these inaccuracies is causing me significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The inaccurate items that have been reported on my credit profile are having a detrimental impact on my creditworthiness and overall financial stability. I initially identified these discrepancies, and since then, I have made numerous diligent attempts to have them removed through your organization. Unfortunately, my efforts have not resulted in any meaningful resolution. 

I first submitted a dispute request to address these inaccuracies, providing all the required documentation and evidence to support their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that these items are indeed inaccurate. To my disappointment, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Regrettably, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the severe consequences these inaccurate items have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive and impartial investigation into the legitimacy of these inaccurate items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the correction of these inaccuracies and their impact on my credit score. 

I also urge your organization to enhance its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. The following items are needs to be removed by the Credit Bureaus : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX