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

I am writing to demand the immediate removal of inaccurate and incomplete information currently reporting on my credit report. Despite multiple attempts over the last several months to resolve this issue, the following accounts remain listed with incorrect details : - **XXXX** - Credit Card Account Number : XXXX - **XXXX XXXX** - Credit Card Account Number : XXXX ( Delinquent Status ) - **XXXX** - Line of Credit Account Number : XXXX ( Collection Status ) Under the **Fair Credit Reporting Act ( FCRA ) **, I am entitled to a credit report that is accurate and complete. As the information on these accounts is clearly erroneous, I demand that it be either corrected or removed, in full compliance with the law. 

# # # Violation of the Fair Credit Reporting Act ( FCRA ) 1. **FCRA Sections XXXX and XXXX ( XXXX U.S. Code XXXX ) clearly require that credit reporting agencies maintain accurate information and that any inaccurate or unverifiable data be promptly removed. These accounts are not reporting correctly, and I demand their immediate deletion. 

2. **FCRA Section XXXX ( a ) ( 1 ) ( B ) ** mandates that furnishers of information to credit agencies, including Experian , must provide only accurate data. If any information is found to be inaccurate, it must be corrected or removed immediately. 

3. **FCRA Section XXXX ( XXXX U.S. Code XXXX ) further asserts that any fraudulent or unverifiable information must be removed from my credit report upon dispute. These accounts are inaccurate and, therefore, should be deleted without delay. 

In a similar case, **XXXX XXXXXXXX Experian Information Solutions**, Experian was held accountable for failing to correct inaccurate reporting, which led to financial harm for the consumer. This is a clear violation of my rights under the FCRA, and I will not accept any further delays in resolving this matter. 

# # # What I Expect from You I expect Experian to : 1. **Conduct an immediate investigation** of these disputed accounts, as required under Section 611 of the FCRA. 
2. **Delete these accounts** from my credit report if they can not be verified as accurate, as per the legal obligations outlined above. 
3. **Provide me with a written response** within 30 days, detailing the outcome of your investigation. 

If I do not see resolution within this timeframe, I will have no choice but to escalate the matter. I am sending copies of this letter to both the XXXXConsumer Financial Protection Bureau ( CFPB ) ** and the **Attorney General 's Office** for their awareness and further action. 

This is a formal request for your immediate attention and compliance with the law. I expect swift and complete action regarding the removal of these inaccurate entries from my credit report.
Product: Credit card or prepaid card

I made a agreement with Comenity credit XXXX XXXX credit card ) for a final amount to pay and close the account. Next month they add a fee and late fees on top of the unknown fee.
Product: Credit reporting or other personal consumer reports

I am a victim of identity thief and these account don't belong to me. i have never had any agreements or contracts with these companies.

15 USC 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 the law because I am a victim of Identity theft! Please delete these items IMMEDIATELY! 

XXXX XXXXXXXX Account Number - XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax, XXXX XXXX immediately. 

XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in XXXX Va and Capital One both denied me a car loan using erroneous information from XXXX. The details of my credit history is as follows. I have a credit score of XXXX, can't get much better than that. I have NO loans and the majority of my purchases are on my XXXX XXXX card that I pay off in full every month. there are a couple of credit cards from stores etc, I hardly use them and I. pay each and every one in full at the end of the month. I am retired, I own my home, no mortgage. No car payments or other consumer loans. I have assets in excess of {>= $1,000,000} the majority is in my retirement investment account, the rest in a bank or is real property. by any account I am an excellent credit risk. The explanations from XXXX and Capital One, make no sense and couldn't be a conclusion gleaned from the experian credit report. I believe I am the victim of discriminatory credit practice.
Product: Mortgage

Chase has been an absolute nightmare in servicing my loan. I closed the loan in XX/XX/2021. Since that time Ive had a number of issues with reamortizing the payment and getting the escrows paid out of the escrow account set up at closing. What is more annoying, and the reason I am contacting you today, is that they continuously apply my payments incorrectly. Every month I pay my mortgage a week or two early. Each month instead of applying my payment correctly they apply the whole thing toward the principal and then mark me as unpaid. Ive attached the most recent example. For the payment due XX/XX/XXXX I paid it on XX/XX/XXXX. Instead of applying that payment to the XX/XX/XXXX payment they applied it to principal and then marked my XXXX payment as not made. If this was a one time event Id assume it was just a banking mistake but its not. This is just the most recent example. In the past 6 months I believe they only applied one payment accurately. Every month I have to call them, have them reverse the payment and apply it correctly and waive the late fees. I prefer to send a check from my bank but Chase Escalation department suggested I use their online payment system. Ive given up on them doing this correctly by check so begrudgingly I now use that online system. Well, here we are, using their online system and still having the same issue. I believe they are either purposely not applying payments correctly in order to obtain late fees OR they are utterly incompetent at payment processing. It has become a part time job following up with them each month and its to the point where I have the hold music memorized.
Product: Debt collection

my finance company sent them a check and they sent it back to me after they agreed to a seiten amount they refused m payment. stating they wont full payment since i refinanced
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 {$490.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX XXXX : {$640.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Original creditor XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I am writing to dispute a fraudulent account that is being reported by THE CBE GROUP for XXXX XXXX  on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that THE CBE GROUP for XXXX XXXX cease reporting this account and remove it from my credit report as soon as possible. 

I REPORTED TO XXXX XXXX  THAT THIS WAS INDEED IDENTITY THEFT. THAT IS ILLEGAL AND BAD BUSINESS FOR THEM TO THEN GO AND SELL THAT ACCOUNT TO YOU, CBE GROUP TO COLLECT ON- THAT COULD RESULT IN A POTENTIAL LAWSUIT, THAT COULD TURN INTO A CLASS ACTION LAWSUIT I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
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

I recently reviewed my credit report, and noticed some fraudulent accounts and inaccuracies. I would like removed from my credit report as it is hindering me from getting credit, and also causing hardship.

Also according to Title 15 USC 1681 : As the consumer I have the right to privacy and I did not give written consent to furnish any information or these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a packet in response to Experian Investigations result. Experian has continued to Report Inaccurate information on my profile. In the packet i submitted a notarized affidavit of Truth, Documents supporting my claim in regards to inaccuracy from XXXX XXXX and a invoice attached. Experian haws failed to update and do an investigation properly.XXXX XXXX is the Furnisher for Experian and dont have any Bankruptcy on my profile with their company. This inaccurate information needs to be deleted.Ive been denied credirt from several banks and my federally Consumer Rights were Violated under FCRA 15 U.S Code1681e ( b ), 15 U.S Code 1681i ( 5 ) ( a ) ( i ), 15 U.S Code 1681b ( 2 ) .15 U.S CODE 1681a
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am writing about the following account with Capital one : account # XXXX XXXX XXXX XXXX, credit limit {$3200.00}, opened on XX/XX/XXXX. 

Im an XXXX XXXX member of the US Armed forces, and I just want a fair solution to this problem. I have an excellent payment history with Capital one.

several violations and the negligence of Capital one. There is a 60 days late payment on XXXX XXXX reported on one of my Capital one accounts. They were saying it was a day late. Capital One misquoted me on the phone and gave me the wrong payment amount and due dates, as the phone app was glitchy and was not allowing me to make payments and see balances neither setup auto payments. 

My request is to get both XX/XX/XXXX and XX/XX/XXXX late remarks deleted. I hope we can solve this as soon as possible, however I am willing to get to the end of this situation and file a suit against Capital one if they deny my request. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They gave me a loan for {$100000.00}. They kept {$46000.00} in escrow. They are taking me to court for for {$100000.00}. When it was all said and done I only received {$12000.00}. They are trying to foreclose on my house when they never gave me the the full loan. In short, they still owe me {$46000.00}
Product: Debt collection

On XXXX XXXX, 2022, my XXXX phone was hacked and my identify stolen for about 12 hours. During this time, the hackers were able to hijack my XXXX account and intrude on my XXXX account. XXXX, XXXX and XXXX were very responsive and worked to restore service and secure my accounts immediately. A few days later, I started receiving notifications that an XXXX order had been shipped to an address in Florida. Again, I worked with XXXX on this issue, eventually supplying them with a screen shot of the Florida address. I continually monitored my credit cards during this period and there were no fraudulent charges. However, on XX/XX/XXXX, I received a text from Affirm that my XXXX purchase had been confirmed. ( Affirm is a company that apparently sets up payments over time for online purchases. ) Apparently, the hacker had set up an Affirm account during the period they had my ID ; once I had my phone restored, I started received delivery notifications from XXXX and payment notifications from Affirm. On XX/XX/XXXX and XXXX, I contacted Affirm, first by email and then by phone, and explained the situation. In response, I received an email saying that Affirm would be in touch within 3-5 business days. I received no response. On XXXX XXXX, I received a text from Affirm that a payment was upcoming. I called Affirm again and explained the situation. In response, I received an email again saying that Affirm would be in touch within 3-5 business days. I received no response. This was repeated on XXXX XXXX. I called Affirm again today and the person I spoke with now says I have no Affirm account and that she could not resolve the issue and would have to refer it to someone else who would email me. I am now receiving texts from Affirm that my payment is overdue. I can understand that a company would need to investigate fraud complaints but I would expect a company to suspend their claim for payment while investigating and to communicate with the complainant instead of being completely unresponsive for over a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second request..I had asked you to remove accounts that I do not recognize that includes addresses, and my name is incorrect. Additionally, there are a ton of inquiries in which I did not approve. Please delete them immediately. Thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have called Experian and asked for all inaccurate information to be removed from credit report. Such as addresses where I no longer live, and names that I do not go by. Experian stated that this inaccurate information would be removed however, it was never removed and remains to reflect inaccurate information on my credit report. I have explained to Experian this is a violation of my consumer rights. 



15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1679c - Disclosures
Product: Checking or savings account

On XX/XX/2023 I deposited a business grant for XXXX from the county of XXXX XXXX. The grant was made out to my husband they forgot to put my name as well. I went in to Bank of America I endorsed they had no problem. Well the back office at BofA closed my account. On XX/XX/2023 the bank said they sent me out the funds and I should receive in XXXX days nothing ever showed up. Called again XX/XX/2023 BofA said they reissued another check for XXXX same thing XXXX receive in XXXX days. Well its now XX/XX/2023 no check. I called again and asked if the could overnight me or let me go into the branch to pick up my funds since my account has been closed since XX/XX/2023. Bof A stated they cant its their policy policy???? To hold the consumer or clients monies? I found it really hard to beileve? Im in complete violation with the county because when. I received the funds I had 60 days for grant to be spent??? And BofA is holding my money playing games.., I need help
Product: Debt collection

It all started on XX/XX/XXXX, around XXXX. XXXX from PNC collection agency called my place of employment. My coworker text me and he left a message for me to call him back. I called XXXX around XXXX, asking to state the purpose of the call and why did he call my place of employment. He asked me to prove my identity and I'm told him absolutely not because I did not know what the call was regarding. I told him that I would not identify myself until he told me who he was, company he worked for, and what was the purpose of the call. He become unprofessional and hung up on me. 

Next call was from a lady name XXXX, she was a little more helpful. She did explain that she could not tell me what the call was regarding due to laws, however, I did tell her until I know what the call was regarding I could not say yes or no to identifying myself. We went back and forth for a while until she decided to tell me what company was trying to collect said debt. It was XXXX XXXX loan. We worked out an arrangement and she was going to get back to me .I asked for a settlement of XXXX, XXXX XXXX wanted XXXX plus, and I was going to pay XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX called to follow up XXXX XXXX and I arrangement. We discussed another settlement in the amount {$800.00}, he said he would call client XXXX XXXX to ask for that amount. 

PNC called me back several times after ( I have voicemails ) and today XX/XX/XXXX, I was finally able to call them back and XXXX answered. She told me company will settle for {$1000.00} and to get some type of card on file for the XX/XX/XXXX payment. I told her that I am not putting card on file and that we can take care of everything next month. She said that I would have to speak with her manager. I said ok. 

XXXX get on the phone and proceeded to say that he was unaware that I was going to pay in XXXX. I told him yes, that was the arrangement. He said he would not be able to accept that because it a month out and it needed to get taken care of this month. I told him that was not possible. He asked if I could pay {$72.00}. I said, no. He begin to say that the offer would not exist next month and I told him to give me a call next month and we can work it out then. He then got upset, his tone changed, and his volume raised. So did mine. We went back and forth for a couple minutes. I asked him what is he trying to accomplish by taunting me about not paying anything today. He said that there would be a lawsuit and what not and I said, " if it has to be one then ", ok bye.
Product: Credit reporting or other personal consumer reports

Equifax has dialed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer
Product: Checking or savings account

have a charge on my debit card from Chase Bank i did not make XX/XX/XXXX for XXXX and XXXX, on XX/XX/XXXX received a text about a fraud charge from my bank a failed attempted, talked to them and reported it was not me, at that time I found out they used my card twice the week before, bank replaced the funds and then removed them. talked to the bank on XX/XX/XXXX and they said I have to deal with the vendor which is XXXX and XXXX. Called lowes on XX/XX/XXXX and they said they can not help me. 
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Product: Debt collection

TD/XXXX  Bank advised me on XX/XX/2022 to make a payment of {$45.00} to go into a payment settlement agreement. Once I paid the amount XXXX Representative stated the Specialty Department is unavailable. I was told they would call me back. TD bank did make several attempts to call but the phone thinks it's spam and blocking the call. They did get through once and I was hung up on while they were discussing the terms of the agreement. TD bank has still not provided a letter regarding this agreement and continues to play games when I call.