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

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reason for dispute_IDENTITY THEFT_ Account Amount ____ Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for dispute IDENTITY THEFT_________________ Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Reason for dispute__IDENTITY THEFT______________________ Account Amount Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason for dispute__IDENTITY THEFT___________________ Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX Reason for dispute__IDENTITY THEFT_______________________ Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for dispute__IDENTITY THEFT___________________________ Account XXXX
Product: Checking or savings account

Chase closed my checking account without providing me a notification of account closure to date ( Account closed on : XX/XX/2021 ). Upon multiple hours of following up with customer service ( Operating Loss Prevention Department ) I was told that the reason of closure was due to three checks I deposited from payee which happens to be my new employer ( one of the most reputed management consulting firm ) and these checks were my salary checks. 

Not only did Chase close they account, they also cancelled the debit card associated with it and withheld the checks which has caused me great financial strain, overdue notices from credit card with autodebit from this checking account and possible negative credit bureau reporting. 

I understand that Chase is protected by having the right for closing accounts, I feel my case does not qualify for a " suspicion behavior '' given my long good standing with Chase. 

My hardship continues due to this blatant exercising of rights by Chase : - I am told to follow up with Chase to have theses checks cleared rather than them proactively taking necessary actions - I am told that it will take ~6 additional business days for my funds to be credit back- I will have to open new checking account and notify all connected parties - I am not given any apology/compensation by Chase This all sounds like a consumer abuse rather than fraud prevention. 
Hope legislators / consumer agencies take notice.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 Experian, XXXX, and XXXX do not have my XXXX loan balances and statuses updated correctly. I completed their online dispute process twice and the information remains inadequate. I have attached the actual balanced owed directly from XXXX outlining every payment.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX as well as XXXX XXXX. From year XXXX.
Product: Credit reporting or other personal consumer reports

According to law 15 USC 1692 c ( c ), Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. Please remove all debt information from all 3 credit bureaus asap that are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Investors Servicing Corp Account 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 reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX Bureau Name : TransUnion Bureau Address : XXXX XXXX XXXX XXXX, CA XXXX I claim errors on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Please immediately remove this information from my credit report. 
XXXX, Account XXXX XXXX This account has been reported with errors, this being illegal and I demand its immediate deletion.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received funds from an affiliate in the amount of {$2400.00}. As I proceeded to make an instant transfer ( per usual ) my transfer was blocked, and I received an error message saying to try another card or bank account. I proceeded with another payment method by using another bank account. After typing in my banking and routing information, the message came back stating that XXXX deposits had been made and for me to confirm the deposits. ( I have bank statements proving that those deposits never received until 2 days later around midnight ) Since those deposits were not sent to my bank, I could not confirm them. In addition, the bank account could not be verified which means if I tried using that bank account as a method to instant transfer, I got the error message saying ( unverified ). Red flags were already up for me so I was not comfortable using all of my bank cards for this service. You never know where your information is being saved and stored anyhow, but as I went to try XXXX more card, I was then locked out and given a message that my account was suspended, and I would have to follow prompts sent to my email in which I immediately did. ( I have proof of this also ) I have been given the runaround, with no real explanations for anything and have been a loyal customer since XX/XX/XXXX, despite my suspicious of login attempts not made by me, a few months back. These further disgusts me being that I have never done anything to have this done to me but trust this service but never again. My plans to purchase medical supplies for my XXXX  who is a type XXXX XXXX  and make a mortgage payment have been stalled due to this inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute inaccurate and unverified information that has been reported on my credit report by the following creditors : XXXX XXXXXXXX XXXX, account number XXXX. According to XXXX and XXXX, I was reported as being 120 days late on XX/XX/XXXX, which is inaccurate as I have never missed any payments on this account. Additionally, all three credit bureaus- XXXX, TransUnion, and XXXX- reported the payment status as charged off, but I have never received any notification or paperwork regarding this status. 

Furthermore, XXXX and XXXX did not report the correct high credit balance on the account, while TransUnion reported a balance of {$2600.00}. I believe that these inaccuracies and omissions have greatly impacted my credit score and my ability to access credit at reasonable terms. 

I believe have been reported inaccurately by my creditors. Specifically, I am concerned about the following creditors and their account numbers : XXXX XXXX XXXX ( XXXX ). 

According to XXXX, my XXXX XXXX XXXX account is a Secured Credit Card, while XXXX reports it as a revolving account. Additionally, both XXXX and XXXX have reported that I was 30 days late on XX/XX/XXXX, but I have not missed any payments on this account. XXXX has also listed the payment status as Past due 30 days three times, but I have not received any notifications regarding this past-due status, nor have I been provided with any paperwork. Furthermore, XXXX 's Last Reported date is listed as XX/XX/XXXX, while XXXX 's is listed as XX/XX/XXXX. Similarly, XXXX 's Date Last Active date is listed as XX/XX/XXXX, while XXXX 's is listed as XX/XX/XXXX. 

These actions by my creditors are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ), which require furnishers of information to credit reporting agencies to report accurate information, notify credit reporting agencies when an account is disputed by a consumer, and notify consumers when an account has been charged off and provide information about the amount of debt owed. 
These actions are also in violation of the Fair and Accurate Credit Transactions Act ( FACTA ), specifically section 312 ( b ) ( 2 ) ( A ) ( ii ), which requires the high credit limit reported to be the highest amount of credit extended to the consumer at any time. 

These inaccuracies on my credit report have caused significant harm to my financial standing, as I have been denied loans and other forms of credit as a result of the false information on my credit report. This has had a significant impact on my ability to support myself and my family, causing me immense emotional distress and financial hardship. 

Therefore, I am requesting that my creditors remove these unverified accounts from my credit report as soon as possible. I also request that the CFPB enforce the legal requirements of the FCRA and FACTA to ensure that my rights as a consumer are protected. 

Thank you for your prompt attention to this matter. 

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

This website uses cookies to ensure you get the best experience on our website. Learn more Got it! 
Skip to main content XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title XXXX XXXX XXXX XXXX XXXXXXXX XXXX Quick search by citation : Title Section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) 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. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Things in dispute : XXXX -- Credit Collection Acct # XXXX Equifax -- XXXX XXXX XXXX XXXX -- Acct # XXXX XXXX -- XXXX Acct # XXXX, shows paid as agreed, and in reporting dates are incorrect, and old account. 

No credit report match. Somethings reported on XXXX and not the other. 

Please refer to US Consumer Law 15USC 1680C ( A ) ( 5 ), section status and 15USC 1681 ( A ) ( 1 ) All these disputes are inaccurate and by law this information should be accurate, if not should be removed immediately.
Product: Mortgage

I am trying to make one payment to my my mortgage account. The servicer is refusing to accept it. M & T bank is the servicer of my account. I tried to make my mortgage payment online. M & T Bank blocked my account and I can not do my payment online. I tried to do the payment over the phone with the pay by phone feature. M & T Bank also blocked the system and I was not able to do my payment with pay by phone. I called M & T Bank and spoke to a representative. The representative refused to take my payment. 
M & T Bank is trying to take my home away from me by refusing my payments. 
Please help!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern, I am reaching out to dispute an inaccurate account on my credit report. This account was purchased by a third-party debt collector, XXXX XXXX XXXX and the information being reported is incorrect. Specifically : The account status is not accurate. 
The balance is incorrect. 
The debt was paid for less than what was originally owed by the third-party collector. 
I have attached a copy of my credit report with the issue clearly highlighted. Since the information is not correct or complete, I am requesting that this account be removed immediately from my credit file. 
Also, I would like clarification on how much the collection company actually paid for this debt, as my credit report does not reflect this. If the amount reported is not accurate, this could be a violation of the Fair Credit Reporting Act ( FCRA ). 
Please update my credit file and confirm in writing once this has been corrected. I appreciate your prompt attention to this matter. 
Thank you, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Social security # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Amsher Collection Services reported a wrongful account to collections on behalf of XXXX XXXX. They reported I had not returned a piece of equipment. I did, however, return all 5 pieces of equipment on XX/XX/XXXX and have the receipt to prove it. I filed a dispute with both Amsher and XXXX on XX/XX/XXXX and uploaded the receipt showing proof of return with all serial numbers noted. I received an email from XXXX on XX/XX/XXXX informing me that my dispute was closed and the collection deleted from my report. The dispute report number is XXXX. 
Today, XX/XX/XXXX, I received another call from Amsher attempting to collect the debt. I informed them of all that had transpired. They informed me that the dispute I filed with their company came back unresolved and that Im still responsible for the equipment. When asked how the receipt doesnt prove return I was told that XXXX XXXX is saying the equipment never made it to their warehouse. As unfortunate as that is, its not my fault where the equipment did or did not make it after it was properly returned. Amsher has informed me that can not remove the collection and I need to speak to XXXX referencing my account XXXX. 

I kindly request that this injustice be corrected. I returned all equipment and am being wrongfully reported due to someone elses poor job performance within XXXX XXXX. Ive provided proof and request an immediate correction.
Product: Debt collection

XXXX XXXX XXXX is a third party company who, brought off a Navy Federal Credit Union Account from another 3rd party company from XXXX. The account is an old charge off from XXXX into XXXX with Navy Federal Bank. Who XXXX XXXX XXXX, states on a letter sent out XX/XX/XXXX that Navy Federal Credit Union is the original account owners. 
The 3rd party company in XXXX must have sold XXXXXXXX XXXX the Navy Federal Credit Union information as of XX/XX/XXXX in order for this XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX to submit a threatening letter on a charged off account. 
The updated information on my credit report made it seem as if this is a brand new account but, its a charge off originated from another company. When I had no dealings with any third party companies in order for them to retrieve my social security number to update my credit report with their information. Which is a fraudulent attempt to collect a debt on a charged off collection account. The letter to receive monetary on an account that I never did business with their company nor has Navy Federal Credit Union contacted me in three years to dispute these actions. It would be considered fraudulent to input on my credit report they were a collection company I had an account with as of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my annual credit report XXXX Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXXstore cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers? 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX