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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint concerning a fraudulent account that has been inaccurately reported as a charge-off on my credit report from the company XXXX Despite my repeated efforts to resolve this issue directly with the credit bureaus and the creditor, the account remains on my report and continues to cause harm to my credit standing. 

Steps Taken to Resolve the Issue : 1. Debt Validation Requests : I submitted debt validation requests to all three credit bureaus ( XXXX, Equifax, and XXXX ) in compliance with the Fair Credit Reporting Act ( FCRA ). To date, I have not received any proof or documentation validating the legitimacy of this debt, nor a copy of the original contract or the assignment contract for the alleged debt. 
2. Disputes and Removal Requests : I have contacted the credit bureaus on multiple occasions, requesting the removal of this fraudulent account from my credit report. However, despite the absence of validation and the lack of contractual proof, the account continues to be reported. 
3. Creditor Reporting Inaccuracies : The creditor has also been reporting inaccuracies related to the account. Specifically, they have been reporting the account as charged off every month. A charge-off is a one-time event, and the continuous reporting of the charge-off every month is incorrect and misleading.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. I am listing all the negative accounts that are a result of the Equifax data breach. Equifax, XXXX XXXX XXXX XXXX account no : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account no # XXXX, XXXX, XXXX XXXX XXXX XXXX account XXXX # XXXX, along with XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, Please have these accounts deleted from my consumer repots immediately.
Product: Debt collection

Gold key credit inc # XXXX Placed for collection XX/XX/XXXX {$95.00} Creditor : medical/ Florida XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX The issue is that I paid the {$95.00} and my electronic check cleared in XXXX of XXXX. 

I received a call threatening collections and paid it again. 

My wife showed proof of payment from both bank and insurance web portal and cancelled that payment. 

Sent to collection anyway because electronic transfer went unnoticed by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation. These are the accounts Ive marked as inaccurate. I want reported accounts to be removed. 
XXXX Account Number : XXXX XX/XX/XXXXXX/XX/XXXXAccount Number : XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXX Account XXXX : XXXX XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contacting Equifax for over XXXX months trying to change my address. First I tried to do it online by downloading documents on but it wouldn't work. The website was not taking my documents. I've spoken with a customer service representative from Equifax at least XXXX times and I still haven't gotten anything resolved. After I couldn't download the documents on the website when I was speaking with the customer service representative on the phone. They sent me a link to click on to see if I can send it that way that didn't work. So I called Equifax and find out what I can do other than download the documents they told me to send in a copy of my social security card my driver 's license and a copy of a utility bill which I sent in XXXX months ago I've been calling trying to find out whether they received it. Or find out whether there's has been any update and I keep getting the runaround from them. I've been going through this process for over XXXX months now and I haven't gotten any results. The address that they have for me on file is not the correct address I have lived XXXX places since that address. I'm at my Wit 's end and I don't know what else to do I sent in my information. Which I checked with them and they saying hat they did not get it and there's no update. At the time that I did call for the update I asked them to send me out a credit report. Which I didn't get, they sent me a bunch of papers explaining some stuff that I didn't even ask for. And the only thing that they sent me as far as a credit report they didn't send anything as far as my personal information on a credit report all they sent me only a list of inquiries. The customer service is terrible and I don't know how to solve my problem they have my address down is something that it is not. And I haven't been able to change it. This is really frustrating. I don't know what to do I need advice on what I need to do!
Product: Credit reporting or other personal consumer reports

I believe the account is invalid. DISCOVER BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.DISCOVER BANK XXXX
Product: Credit card

My Chase credit card was blocked on Tuesday XXXX XXXX. I have spent about an hour on the phone with Chase representatives, after having called the number on my card. Each time, I have been told that my problem should be handled by another section of the call center. I have then been transferred. When the new agent picks up, they ask me all the details that the past agent asked, and then transfer me. 

Although it seems like we have access to customer service, Chase customer service is impossible to access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed information was incorrect on my report i need help! I reached out to the credit bureaus on XX/XX/2023 and no response! I have a right to a full investigation and a correct report! My understanding is that 15 U.S.C 1681 section 602 A. States I have the right to privacy. I will list the account below! 


XXXX XXXX XXXX Account # : XXXX please investigate and delete 2.Bankruptcy Reference # : XXXX XXXX XXXX please investigate and delete
Product: Credit card or prepaid card

Discover card took money from me and is holding my money unlawfully. I have a secured credit card with them with a credit line of {$400.00}. On XX/XX/XXXX, I called and requested a credit limit increase to {$1000.00}. The person on the line let me know I needed to put up the additional {$600.00} since it is secured. On XX/XX/XXXX, the {$600.00} was taken from my bank account. On XX/XX/XXXX, I received an email from Discover saying they had increased my credit limit to {$600.00}. I immediately called and explained I requested the credit limit to be {$1000.00}, not {$600.00} and explained the additional {$600.00} has cleared my bank account. They tell me they only see a request for a {$200.00} increase. I let them know this needs to be fixed or refund me the {$400.00}. I spent over an hour on the phone. I spoke with one Tier 1 agent and 3 supervisors. The 1st supervisor called the bank on the line with me and the bank told them the {$600.00} had cleared. This supervisor tells me since a different department handles the credit limit increases then she has to forward my issue to them to research and that can take 48 hrs. I asked her what is there to research when we just called the bank and verified {$600.00} was indeed taken and not {$200.00}. She said that's the way that department handles it. They have to do their own verification. I asked to speak with that supervisor. So I was connected to supervisor # 2. She tells me there is nothing they can do except call me back in 48 hrs. I told her this is unacceptable since the 1st supervisor already verified with the bank. I also let them know there should be a recorded call from XX/XX/26 because the girl on that day read a script and asked did I agree to the {$600.00}. She was inflexible and kept repeating that she can do nothing further as she has to research it. I asked for a supervisor above her. She connected me to supervisor # 3 who said he is the highest in the executive office. I let him know my attorney will be contacting them. He said the issue still needs to be researched. I asked him to explain what they are researching. He said they need to know what happened and why it happened. I let him know " what happened and why '' is irrelevant to me. Discover already has my {$600.00} and is refusing to increase my limit. He provided me an email address to send written authorization to speak with my attorney about my account. This issue remains unresolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft due to a data breach. 
Fraudulent accounts have been reported on my credit file without my consent. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following accounts with Experian. On XX/XX/2021 I sent a MOV ( method of verification letter ) to Experian with the following accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know that according to FCRA Section 611 I have the right to request these documents of verification. 

Experian has never responded nor opened a dispute on my behalf. I do know that this information was never properly verified as they relied on a 3rd party company to receive this information. I have asked for a phone number and the person who verified this information to receive no response from Experian or higher management. 

This is because credit reporting agencies typically dont do much investigating at all. They often rely on an automated third-party system called e-Oscar. 

CRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

Please see the attached documents supporting my case. These inaccurate reporting need to be immediately deleted per the FCRA as Experian is in clear violation.
Product: Checking or savings account

Charged {$3.00} for paper statements that was not properly disclosed when opening the account. I have called Truist to fix it, but they have had me on hold for 23 minutes and I have yet to speak to anyone.
Product: Checking or savings account

On XX/XX/2022 I wrote a check to XXXX XXXX XXXX for {$250.00}. That check plus two others were stolen from the outdoor mailbox at the Post office at XXXX XXXX and XXXX XXXX, XXXX, Ohio. Two of the three checks were altered, including the one made out to XXXX XXXX XXXX. The amount was altered from XXXX to {$9300.00}. That check was incorrectly honored by Huntington despite an obvious handwriting mismatch and other indicators of fraud. {$9300.00} was withdrawn from my account. The second check was altered to {$4100.00}, but was not honored by Huntington and funds were not withdrawn. 

On XX/XX/XXXX, I was notified by Huntington about the fraudulent check clearing and reported the fraud the next day. I filled out a statement of fact with Huntington, as well as a police report ( report # XXXX with XXXX XXXX, pct : XXXX ). I also filled out a statement of fraud with altered check claim, including a copy of the checkbook register, with Huntington.

I have been working with Huntington to resolve this issue, however it has been 11 months since the fraud occurred and the issue has not been resolved, nor the funds returned. Additionally Huntington has denied me any extensions of credit to cover my losses, despite my relationship with Huntington for 50+ years.

Not only was the check on its face so obviously fraudulent as to indicate incompetence in Huntingtons fraud detection department, their inability to timely resolve the issue or help me cover my bills in light of their own mistake feels like a form of elder abuse perpetuated by the bank ( I am XXXX XXXX XXXX ). 

Huntington keeps claiming that XXXX XXXX  is at fault because they are the depositing institution, and they keep trying to send me there, but every time I contact XXXX XXXX  they tell me they can not help me because I am not a XXXX XXXX  customer. 

The actions on the part of Huntington and XXXX XXXX  are Unfair in that I am unable to avoid harm, the harm is material, and I have no options for remedy outside the banks actions. They are also deceptive considering how much they advertise fraud protection but were unable to detect an amateur and obviously fraudulent washed check. I feel like they are just running out the statute of limitations as a way to continue further harm to me without having to reimburse me the amount stolen from me due to their incompetence and negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts of trying to solve this problem with Equifax they are still reporting negative information to my credit report they are reporting inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Which are all false and inaccurate I called them and talk to a rep named XXXX employee number XXXX He was a rude and nasty After I told him I already sent the documents over 45 days ago and that they are requesting Equifax they lost the documents that I sent over and is not complying with the FCRA guidelines which gives you 30 days to respond or it must be deleted
Product: Credit reporting or other personal consumer reports

I have requested a copy of my Consumer Disclosure Report and a Description of Procedure Letter. The reason this information was requested is because LexisNexis has information on my consumer file that does not belong to me, outdated information that should no-longer be in my file, and this information is causing harm. Even when I request the information directly from LexisNexis, the request is being denied as they are unable to authenticate my identity and therefore can not process my request. 

If I never done business with this company what information doesn't match up to what they have? If they are basing things directly from CRA 's, what information would not match up to what they have? this is a way for them not to provide me with the requested information so that they can continue to keep the negative information in my file, and sale this information to insurance companies, banks, and other institutions that would either deny me credit and or charge me higher interest rates.
Product: Vehicle loan or lease

On our Capital One Auto Finance Loan my credit report shows " Dispute '' in the remarks, I have asked for these to be removed permanently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX I am submitting this formal complaint regarding an account listed on my Experian credit report under the following details : Creditor : XXXX XXXX ( XXXX ) Account Number : XXXX Status : Charged Off I reached out to XXXX XXXX to request specific details about the account, including : 1. The date of first delinquency.

2. The date of the last payment.

3. The date the account was charged off. 
4. Whether the account was sold to a debt collector, and if so, the name and contact information of the purchaser. 

Despite my efforts, I have not received a response or the requested information. This lack of transparency makes it difficult for me to understand the history of this account and address it appropriately. 

I am requesting your assistance in ensuring that XXXX XXXX provides the necessary details as required under the Fair Credit Reporting Act ( FCRA ). Additionally, if the account was sold to a third-party debt collector, they should disclose that information. 

Please let me know if additional documentation is needed to assist with this matter. I appreciate your time and attention to resolving this issue. 

Thank you. 

Sincerely,
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX, Trans Union, XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX, Trans Union, XXXX has admitted that I was in fact a victim of this data breach and XXXX, Trans Union, XXXX has done nothing.Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appeared that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$550.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Date of inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Debt collection

Company ACCOUNT RESOLUTION SERVICES CLAIMED THAT THEY'VE CLOSED AND DELETED REFERENCED ACCOUNT NUMBER XXXX BUT IN FACT THAT'S A LIE! THEY RESOLD THIS ACCOUNT TO COLLECTION COMPANY " XXXX XXXX XXXX '' I'VE ATTACHED SCREENSHOT FROM PREVIOUS COMPLAINT ABOUT THIS COMPANY STATING THAT THIS ACCOUNT XXXX WAS CLOSED AND DELETED THIS WAS NOT THE CASE. THEREFORE I'M PROVIDING PROOF OF THERE LIES. 

AND SEEING HOW THEY'VE OUT RIGHT LIED TO THE CFPB BY MAKING FALSE CLAIMS OF FRAUDULENT DELETION IS AGAINST FEDERAL LAW! THAT'S VIOLATING MY RIGHTS AND DISRESPECTFUL TO THE CFPB 'S INTELLIGENCE! THESE THREE REFERENCED ACCOUNTS NEED TO BE DELETED IMMEDIATELY OR I'LL DEFINITELY TAKE LEGAL ACTION. 

Delete account 's from my credit report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently checked my XXXX and Transunion credit reports and It shows some unauthorized accounts. 

This account is inaccurate and fraudulent. I'm seeking litigation. Please delete and block from my credit report immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card or prepaid card

I purchased appliances package from XXXX XXXX. XXXX XXXX over charged me for the package. XXXX XXXX placed a charge of {$1900.00} on my Visa on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX I am over charged and need this amount removed from my visa ASAP