23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinvestigation of Inaccurate Account Reporting - Account Number : XXXX To whom this may concern, I hope this letter finds you well. I am writing to bring to your attention a persistent issue regarding the accuracy of my credit report. Despite two previous investigations, I am dismayed to find that the account detailed below still appears on my report, portraying inaccurate information that significantly impacts my credit score. 

Upon a recent review of my credit report, I identified an account that is reporting inaccurate data. Specifically, there is a recorded late payment associated with an account that was, in fact, settled on time. This discrepancy is not only erroneous but also damaging to my creditworthiness. The account in question is the XXXX, with the account number XXXX, and it is listed with Equifax as the XXXX furnisher. 

As per the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to ensure the accuracy of the information they report. However, in this case, the reported late payment does not align with the actual payment history of the mentioned account. Enclosed with this letter is a copy of my credit report, dated XX/XX/2024, which highlights the discrepancy. 

I am formally requesting that XXXX undertake a thorough reinvestigation into this matter. I urge you to provide verifiable evidence, including records, demonstrating the alleged late payment. Should you fail to substantiate this claim, I demand that the erroneous information be promptly corrected to accurately reflect that the payments were made on time. 

Furthermore, in accordance with the Fair Credit Reporting Act, I kindly request the names and business addresses of each individual with whom you verified the information mentioned above. This will enable me to follow up as necessary to ensure the integrity of the investigation process. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each, individual with whom you verified above so that I may follow up. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please send me an updated copy of my credit report after your investigation. 
It is vital to emphasize that consumer reporting agencies must adhere to reasonable procedures to guarantee the utmost accuracy of the information you report. 

Therefore, I expect XXXX to conduct a comprehensive review of this matter and provide me with an updated copy of my credit report following the completion of your investigation. 

I appreciate your attention to this matter and expect a timely resolution. Thank you for your prompt action in rectifying this issue and safeguarding the accuracy of my credit report. 


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

I have NEVER been in a XXXX  XXXX store. Never applied for a XXXX XXXX account. But last year I realized there was a XXXX XXXX / XXXX XXXX  account on my credit. AND a Collection company ( XXXX XXXX ) trying to collect on the bad XXXX  XXXX account that I NEVER applied for. 

I've called XXXX  XXXX several times, and they told me that this has happened to MANY people and they promised to fix it. But they only removed the INQUIRY ( see uploaded doc. ) Disputed XXXX  XXXX through the credit bureaus on XXXX, see uploaded letters Disputed the Collections XXXX XXXX XXXX ( for the XXXX XXXX account ) through all XXXX bureaus on XXXX. 

The lady I spoke with at XXXX XXXX on XXXX confirmed that this was fraudulent but then ended up hanging up on me. 
This has decreased my scores terribly and I can not buy a house. 

Can you PLEASE help me get XXXX  XXXX AND XXXX XXXX off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will continue to submit complaints over and over and over and over and over and over and over until EQUIFAX puts my account in CLOSED status. I went to state court to have a bankruptcy processed and it was approved by the XXXX State Court.  EQUIFAX is refusing to correct the account to show that instead they're leaving it in OPEN status and putting a note that says " included in bankruptcy ''. This bankruptcy will already be on my credit for 7 years, I'm not asking for anything illegal or more than what I paid for, its not any harder to place this account that's actually closed into CLOSED status than it is to leave it. But what does leaving it do? : It shows a negative account on MY credit ( but what about the other accounts that everyone else put in closed status? do they just disappear? No they are CLOSED but are still on my credit ) ( wow! what a concept? I wish that everyone could see how clicking a mouse to put an account in the correct status, would allow the person who went through the entire embarrassing and expensive process of bankruptcy to have some sort of relief when they check their credit they're now rebuilding and see that everything is back to square one, not ONE company  trying to be difficult for the sake of holding their ground, they're just lowering my score I'm working hard to raise, you know.. THE ENTIRE REASON I SCRIMPED AND SAVED {$1500.00} TO FILE BANKRUPTCY!! I didn't file just to have ONE company refuse to do what the court agreed to. Do the right thing and put the account in CLOSED, this doesn't delete the account, I don't know if you know that..but its still going to be on my credit and showing as " included in bankruptcy ''. Did you know that Equifax? Did you know it will still be there? It just wont be showing as a negative account. THAT'S WHAT I PAID FOR. Why are you fighting me on ONE account? I'm not asking you to go in and change a bunch of stuff. Its ONE click that should've been done 2 years ago!!!!!!!!!!!!!! YOU literally were supposed to change this years ago but now im writing this ridiulous comment for you to ignore so I can copy and paste it again in a month and send it right back. Please just correct the account status that was included in my bankruptcy and is now CLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
XXXX XXXX XXXX XXXX XXXX  I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws.
Product: Checking or savings account

I received around XXXX fraudulent charges on my debit card in a XXXX hr period and Wells Fargo has not given me a provisional credit, nor have they acknowledged my claim. Its been XXXX  days and they havent even started to look into my claims. I had to file XXXX separate claims as they refused to add all the transactions, stating they would not got through They in fact all went through totaling over {$XXXX}. They are only acknowledging XXXX of the fraudulent transactions. Everyone I speak to when I call, transfers me to someone who tells me to call back in a few days. Nothing is being done and I feel a police report needs to be made as Wells Fargo is doing nothing with my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2013 I filed for bankruptcy and all debts were discharged, including a lease agreement with XXXX XXXX XXXX. Post discharge, XXXX XXXX XXXX has been reporting my as late 5 times after the bankruptcy. I have attempted to resolve the issue through the credit reporting agencies and with XXXX XXXX XXXX  with no success. The account is showing closed and without a balance which is the only thing that is correct. The 5 late payments which are being reported on credit reports after my bankruptcy discharge are causing great harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to conduct an investigation on the XXXX XXXX XXXX XXXX Credit Card account XXXX on XX/XX/XXXX ( see attached letters and certified receipts ). Each of the three bureaus conducted the investigation and reported that the information was updated and accurate. I then conducted further research on their investigation and I found further inaccuracies. For instance, after their investigation, XXXX states that this account was over 120 days late on XX/XX/XXXX, NO DATA for XX/XX/XXXX and XX/XX/XXXX, with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. XXXX, on the other hand, illustrates more than 120 days late on XX/XX/XXXX with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. Finally, Experian states that this account is 150 days late on XX/XX/XXXX and has NO XXXX for XX/XX/XXXX to XX/XX/XXXX with a single Charge-Off for XX/XX/XXXX ( see attached investigation files ). The three credit bureaus did not conduct a proper investigation. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Credit account number XXXX has violated my rights. 

15 USC 1681 section 602 ( A ) states that I have the right to privacy.

Furthermore, 15 USC 1681 section 604 ( A ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.
Product: Checking or savings account

I just saw the lawsuit that you guys have done with capital One. I'm a customer of theirs and I had the same problem. I was paid XXXX  % interest and I didn't realise for many years that most of the other banks were paying over XXXX  %. So these guys at capital One opened another account with the higher interest rate but left us people thinking that we were in the top interest account with the very low interest. So it's a complete setup and I've already spoke to them XXXX months ago but they brushed me off. But I'm so glad that you are fighting for us customers for justice. These people are scammers. They're robbing their customers. This is daylight robbery the legal way. I wish you guys will teach them a lesson. This is very wrong. Thank you for taking care of the general public. We appreciate it very much. If it wasn't for you guys we would be ripped off. Thank you again. Please can you register my name in the lawsuit. I have a lot of interest that they owe me
Product: Credit reporting, credit repair services, or other personal consumer reports

I normally don't have an issue with Trans Union but I have been disputing the same items on my report without any results or follow up since XX/XX/XXXX. I did call about 3 weeks ago and somehow the disputes were cancelled without my knowing and I don't know why. This year has been a strange one with the credit bureaus and I have been having some issues with all three. I cant access Trans Union online the website is always down and the reps keep saying that I have a dispute but have not receive any results for more than 60 days. I have started working on my credit as of XX/XX/2019 to get a mortgage and I keep running into these issues with the credit bureaus.
Product: Debt collection

Disputed this claim in XX/XX/2022 when first brought by XXXX XXXX  file no. XXXX. Won the dispute. Now IC SYSTEMS INC another collection co. has reclaimed the very same dispute that was earlier won at all three bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any accounts or transactions that i have made. It is the result of identity theft. 

The XXXX following Closed accounts need to be blocked and removed : XXXX ) XXXX - account XXXX - balance {$6900.00} and XXXX ) XXXX - account XXXX - balance {$7100.00}. 

Please block this information from my credit report, pursuant to section 605B of the fair credit reporting act, and send the required notifications to all furnishers of this information.

Enclosed are the following : SOCIAL SECURITY NUMBER, UTILITY BILL, GOVERNMENT ID, a copy of ftc identity theft report and proof of my identity and copy of section 605b of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identiy theft within four business days and to prompt notify the furnishers of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may fumish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates mas nights as a federal protected consumer NO CONSENI IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite using Zelle frequently and reporting discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was deemed unfeasible. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to XXXX ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). XXXX send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to XXXX to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. XXXX again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. Trans Union Corp., No XXXX ( XXXX XX/XX/XXXX ). <P/>I believe that XXXX should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with Trans Union and XXXX.
Product: Checking or savings account

This is for a complaint of an account for a report of XXXX dollars missing out of my Citizen 's Green Savings Account. While in the most currant occupation, I managed to open a savings bond for investment holding. The account was linked to the bond but no transaction was made before the money was missing. thus an income by-weekly, a suppliment of income was deterred. I was inflicted, mournful, and dreaded of this mistake. In the prior time i made a report of the money missing to the clerk minutes after and the next week, no call was made to me and no police arrival. after 2 and half years another incident escaladed by another transaction for XXXX which became a close call but made assurance to the neglega of the last incident. I made a call to the FDIC and police to make repamands but still yet, no closure of the incident. 

-Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The List of account below has violated my federally protected consumer rights tp privacy and confidentially under 15 USC 1681. 

Account Name # XXXX Account Number # XXXX Account Name # XXXX Account Number # XXXX Account Name # XXXX XXXX Account Number # XXXX Account Name # XXXX XXXX XXXX Account Number # XXXX, has violated my rights. 


I looked at my Experian credit report on XX/XX/year> and noticed some things are incompleted and not accurate.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681! 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 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.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 DEPT OF ED XX/XX/2023 DEPT OF ED XX/XX/2023