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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} -Late/closed
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I have never used Chime nor knowingly applied for a Chime account. 

I received three emails to an XXXX email address I never use, between XXXX and XXXXXXXX XXXX informing me that a Chime account had been opened, that my XXXX XXXX application was almost complete, and to download the Chime app. I XXXX  for a way to contact the company and settled on a phone number ( XXXX ) XXXX. 

I pressed three to speak to someone about suspected fraud. The first time the phonecall dropped after a pre-recorded message that the call may be recorded. The second time I spoke to a gentleman named XXXX who was polite and professional, but would not close my account using the email I could provide alone. He wanted me to provide additional verification. I declined knowing that this could be part of an elaborate scam to collect even more information. 

Of the emails I received, none asked me to confirm the account creation using a link or phone number.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete 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. 

These accounts 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 are not complete and accurate. 


And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital Ones failure to deposit my Direct deposit from my employer and any other incoming deposits. Capital One has sided technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. The situation raises concerns regarding consumer protection laws, And I request your assistance investigating this matter to ensure my rights are being upheld. Thank you.
Product: Credit reporting

Signed up with a billing company to pay for a gym membership. The original company has been paid in full and has given me ample documentation to support that my account is closed and completely satisfied. 
A few months before I fulfilled that contract, however, another billing company which I had never heard of contacted me separately and told me they would be billing me for the same contract, but a much higher amount. They insisted that the original billing company had assigned the account to them but would not provide any documentation to the fact. They proceeded to autodebit my account, which was made possible because the gym gave them my billing information before promptly going out of business, preventing me from contacting them. 
After fulfilling the original contract, I presented this information to my bank during their investigation of the wire fraud. The second company then responded by assigning the fabricated debt to a collection agency, which then reported the information to TransUnion and XXXX. 
Upon requests under the FCRA to the credit agency ( XXXX XXXX XXXX XXXX ) and Transunion both for validation of the debt, I was merely sent a copy of my original contract with the first company and told that it was valid. All parties plainly ignored the documentation I submitted to them from the contract company, including detailed payment records and a plain-text statement that the account has been completely satisfied. 
The gym which opened the account in my name has closed ( XXXX XXXX XXXX in XXXX, SC ). The billing company who attempted to autodebit my card ( XXXX ) has closed and re-opened under many names. In fact, a simple google search on their business leads to a wealth of information about their shady practices and willingness to verbally abuse their victims. 
TransUnion has elected to not exercise due diligence when investigating my account. This is evident in the fact they attempt to " verify '' the debt by referring to my contract with XXXX, in spite of my submitting plain-as-day letters and statements from XXXX stating that the account is completely satisfied. To make matters worse, they did n't even bother verifying the amount : The contract clearly states a total amount of {$1200.00}, but somehow this has turned into a debt of {$1400.00}! The fraudulent debt quite literally added an arbitrary amount to the debt without any explanation as to why, but this was also ignored. No party attempts to deny that the account in question is the same one that is already satisfied, demonstrating that this collection account is a shameless attempt to force me to pay twice. If a plain English statement from the creditor that this debt is invalid is not enough to invalidate the debt, what in the world is?
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Per complaint XXXX XXXX, 2017 : # XXXX, I would like to add supporting dockets. When, XXXX, from card services said she was in XXXX XXXX ( where my dispute is ), I felt that by her calling me back on an automated service return call. That, XXXX, making me hold while she sits there, was punitive with me. Maybe, XXXX, knew I was had a credit card dispute. Case number XXXX. I was aggressively evicted from XXXX XXXX XXXX XXXX XXXX XXXX, 2017. I had pre-booked, XXXX XXXX, 2017 through XXXX, from XXXX XXXX XXXX, 2017 and flew from XXXX XXXX. After thinking about the phone call, I feel that, XXXX, knew too much and was acting punitively toward me and there was not a need for XXXX to be that punitive with me. There has to be another way. The Bank needs ot implement a cheat sheet with numbers and extensions. I feel so helpless without the right number. And feel ganged up on because of the way the people act toward me is like they can do any old thing to me and then hang up. And, it makes me very angry. They retaliate. I 'm tired of their insinuations!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTIONXXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX  Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX XXXX VIA XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX VIA XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX LOANS Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the  Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX XXXX Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. Below are the accounts in question : XXXX XXXX and XXXX XXXX.
Product: Debt collection

Portfollio Recovery is trying to colect the allaged XXXX XXXX credit card dept. 
After two letters send to them by me, on XXXX XXXX and XXXX XXXX Portfolio Recovery was unable to provide me with the document bearing my signature as a proof that I owe them. 
I believe that this is a violation of the Fair Debt Collection Practices act ( including but not limited to Section 807-8 ), also the violation of the Fair Credit Reporting Act ( including but not limited to section 623-b )
Product: Debt collection

XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : Called me at XXXX XXXX, I didn't recognize the number. It was too early in the morning, I thought it was a scam and rejected it. 
XX/XX/XXXX : I found this number called me multiple times, and called back at XXXX XXXX. The person on the call talked about the debt collection and asked me to pay it. I asked them to send me a letter about the details. The destination address was verified by both of us. 
XX/XX/XXXX : Called me at XXXX XXXX, asked me to pay the money just like the previous call doesn't exist. I felt it was weired, asked them to send a letter again, the person directly cut off the line without answering to my question. 
XX/XX/XXXX : Called me at XXXX XXXX I answered to the call but no one was talking to me. 
XX/XX/XXXX : I sent an email to them, complained about the bad communication, and asked for a written statement and the way to resolve this issue. No reply. 
XXXX : Called me at XXXX XXXX, I answered to the call but no one was talking to me. I called back at XXXX, re-stated my request to them, I need get a written statement, by mail. The person said they have already sent out the letter to my address. I said it has been more than 10 days since I requested on XX/XX/XXXX, could you send it again in case the letter was lost. The person refused. Then I asked if they can send an email to me, the person agreed. But nothing received. 
XXXX : Called at XXXX XXXX, I answered, no one talking to me. I sent another email at XXXX XXXX. No reply. 
XXXX : Called at XXXX XXXX  again. I directly rejected because their bad history of communication. I called back at XXXX XXXX  after I finished most of my work today, but nobody answered the call. I feel very frustrated about this issue, and start filing a complaint on the website of cfpb. 

From the date I recognized there is an issue for me to deal with, I have been actively contacting them for information and solution. They seems badly organized and irresponsible. There is no way to get any written statement back from them. However, they are addicted to calling people in the early morning, which is illegal according to the law, but conveying nonsense in the call, totally helpless to resolve the problem. 

I take my credit seriously and recently got into anxiety because of their bad communication, which affected my life and work deeply. I need the help from CFBP to resolve this issue.
Product: Mortgage

The lair representing this criminal ( find guilty inside the superior court ) consider false information provided t you even by the DOJ, USA Inspector General How ling this incompetent continue to lie thinking that we do not keep record Copy of this lair garbage was sent back to DOJ and USA Inspector General to Ethic committee and PA Attorney General We need to close this criminal looting organizer so no other family with no financial obligation will go through the same criminal activity from this lairs ad cover up garbage firm What this Phelan Hallinam did was criminal, vicious and malicious done again in a top secret close door knowingly that I will be in XXXX in order to prove that most documents fabricated in XXXX by XXXX are used in USA to defraud families. XXXX XXXX this is your chance to put back allstolen by you private property before I win the case. After it, there will be criminal charges againt your criminal activity done intentionaly in a top secret close door knowingly that my property is located inside a close in community and in case you do not have ( temporary in my case ) the Deed you do not have acces inside the community. I pray that one of the incompatant lawyeres from XXXX or Phelan will try to protect you inside the Criminal Court. XXXX and in particular XXXX knew this and did their best to abuse the system and if you do not put back my private property we will have many years in criminal courts count on it. This was possible because the Greek running XXXX XXXX ( soon will be replaces ) XXXX XXXX XXXX XXXX order it as confirmed by pettifogger assistant XXXX XXXX XXXX of Law Firm Phelan Hallinan in his deceiving and covering up letter sent to CFPB. I mention the word Greek is because the Greek people are well known of having honor, dignity, decency and respect for humanity but not this one from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXXXXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Timely Payments Made : I submitted my payments and prior payments on the due dates, with confirmations showing the payments were processed before the due dates. 
Clerical or Processing Error : There appears to have been a clerical error or delay in processing my payments on XXXX 's side, which resulted in the account being marked as 30 and 60 days late. Despite providing bank statements and payment confirmations as evidence, this incorrect late payment entry remains on my report. 
No Notification Received : I never received any notices or warnings from XXXX regarding these supposed late payments. This lack of communication further supports the claim that the late payment entries are erroneous and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I paid of this account on XX/XX/24. The same day the reported to the credit bureaus that the account was active and had balance. I sent in a dispute XXXX weeks later advising that this account has been paid off. I was told to wait until the next reporting cycle which would be XX/XX/24. I waited and the account was still showing negatively on my credit report dropping my score by XXXX points. I called Exeter Finance and they advised it can take 60 days for it to be updated. Which I asked is that not fraud because you guys are reporting information that is not accurate and there is proof. They advised there was nothing they can do. I then contacted XXXX to provide them with my documentation and they told me to mail the documents in. I asked how come the report wasn't updated this month when I have the proof that it is incorrect and on the previous disputes with this account Exeter was allows to report no change at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have a Citi MasterCard credit card. I have no issues paying the full amount due ( and I charge most purchases on this credit card during the month, rather than use a debit card, just for safety 's sake ) each month. However the last several months I have noticed a problem with a practice they are starting to use. My payment is due on the XXXX of the month, so I generally pay as close to that date/time as possible, to include as many of my charges as possible. Lately ( last five months ) towards the end of my cycle, many of the items I have charged are held in a pending status much longer ( 2-5 days ) than they are at the beginning of my cycle. Citi will not allow me to pay any pending amounts online, and does not include them on mailed statements -- so I have no way to pay them. When I make my payment ... a miracle happens, and all the pending amounts changed to due AFTER the end of my cycle, with no chance for me to make a second, catch-all payment ... so, they charge me interest. This seems deliberate, and simply aimed at being able to charge me interest ( as normally, they would have no unpaid amounts to charge it on ).