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

I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open
Product: Credit reporting, credit repair services, or other personal consumer reports

I called bureau & sent certified letters XXXX and XX/XX/2023 My first name is spelled in correct They have me formerly known as name incorrect There are unauthorized inquiries on my report along with Old addresses Old phone # Old employers
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is intentionally reporting false balance information on my credit report despite my providing evidence demonstrating the patently false information. In addition, upon my filing a dispute over this, Experian closed the investigation not by correcting the error or removing the tradeline but instead allowing the account to be " updated '' to be re-aged as a new late payment. I have attached documentation. 

FALSE BALANCE INFORMATION I do not owe {$220.00} on XXXX. To explain, my XXXX account was disputed. Recently, XXXX settled under the lemon law by buying the financed vehicle back. This was done by re-paying me for the payments I made, less the cost of use. In other words, I was charged for the full amount of my use as part of the buy-back. Common sense and simple math dictate that I can not owe anything after the settlement check was calculated by reducing for the cost of my use of the vehicle. I filed a dispute with Experian and provided them the proof to support these assertions. 

RE-AGING After " investigating '' Experian closed the investigation by updating the reporting of the XXXX account to re-age it. Indeed, I learned of the re-aging because Experian sent me an alert that stated I had a " new '' late payment. I have attached this information. 
Instead of correcting the false balance information
Product: Credit reporting 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 the 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 the blocking of the erroneous information that 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, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXXT ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

Discover Between XX/XX/2023- XX/XX/2023, I accrued {$190.00}. Out of the {$190.00}, {$180.00} was posted on XX/XX/2023. The remaining {$8.00} was posted XX/XX/XXXX XXXX XXXX XXXX alerted me to my credit score dropping by XXXX points on XX/XX/2023. In the XXXX XXXX app you click on " Recent Changes '' which directs you to a page that says " Balance Increased '' by " Discover Bank '' and recommends that I keep my credit utilization under 30 %. {$190.00} out of {$900.00} is 21.9 %. There were no payments due for the {$190.00} because it was just being posted- but I paid it off in full on XX/XX/2023. I contacted Discover customer care about this matter, and was informed that they did not offer courtesy credit reporting adjustments. I will be sending XXXX the evidence of my previous statements as well, under file XXXX XXXX XXXXXXXX via postal mail on XX/XX/2023.
Product: Vehicle loan or lease

Chrysler XXXX is reporting my Vehicle loan as charged off and closed on my credit report and late payments when my vehicle loan is still current and active. I pay monthly on this vehicle loan.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX  XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XX/XX/year> The following inquiry was not and should not be reporting.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX Reported to Portfolio recovery by phone agent, that this debt in constantly being reported on my credit report negatively affecting my life. This debt has become an unnecessary hindrance to my ability to estabish credit and enjoy life. The debt reported is a {$620.00} debt for the calendar year of XXXX. 
XXXX  years later i am still being contacted by a debt collector for payment that i do not owe! 
I currently have a very low credit score and am being rejected and this undue adversity only complicates matters for me. 
The debt is not valid and should not even exist or be reported in any action as i went through bankruptcy in XXXX, clearing my debts. Also being, unlawful for any agency to report any debt after 7 years, this has been almost 4 times that length of time, causing 4 times the adversity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX, Account # XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Bank account or service

MyMy US BANK account definitely had some strange activity to the tune if like I 've XXXX . Some activity occurred with a card I personally never activated.I sometimes take my mail and throw it in my side door pocket to read for later on ( a habit I will now stop ). My phone went missing around XXXX XXXX. All my passwords/ usrnms were kept in the phone. In all On bad terms with an ex bcuz I filed a restraining order and naturally not all his friends were happy with me and Im wondering if one of them may have had it in for me. So there are several possibility. It took like a week for.the paperwork to file the fraud case to get to me.and there 's a hold on the account. As a result the bank took my SSI a d applied it to the negative balance and withheld all access to it. Im driving without insurance, all my bills and rent are late and I have a car title loan which is now 5 days late. This is like a secondary victimization. Im constantly being told the acct is set to close and only my home branch can lift the hold. Yesterday that proved to be untrue.
Product: Debt collection

I changed my address and was not receiving any mail about the changes to my student loan provider being sold once again to another collector, now aidvantage.
Product: Checking or savings account

RACIALLY PROFILED BY BANKER XXXX XXXX SHE ACCUSED ME OF COMMITING FRAUD WHILE TRYING TO UPDATE MY CONTACT INFORMATION SHE REPEATEDLY TELLS ME TO CALL THE XXXX NUMBER AND TALK TO CUSTOMER SERVICE WHILE IM INSIDE BANK TRYING TO FIX THE ISSUE SHE ALSO NEVER CHECKED MY ID OR ASKED FOR ANY INFORMATION TO PULL UP MY ACCOUNT BUT ACTED LIKE SHE WAS TRYING TO HELP SHE RACIALLY PROFILED ME ACCUSED ME OF LYING ABOUT DEPOSITING XXXX $ INTO MY ACCOUNT BECAUSE THE TRANSACTION NEVER APPERED I AM BEYOND OFFENEDED XXXX XXXX IS XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX XXXX  of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelles handling of disputes particularly in the light of cfpb lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately
Product: Debt collection

To Whom It May Concern, ''This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' Under the Fair Credit Act law I have every right to remove this unknown collection from my account.
Product: Mortgage

Citizens Bank lied to XXXX about reasons for denial of mortgage loan. See attached. It was due to my developing a XXXX. This caused my income to shift from teaching to XXXX XXXXXXXX. The amount was not drastically different. They wouldnt consider my XXXX income. They stated failure to disclose student loan debt and failure to provide XXXX income. 
The XXXX debt is clearly shown on their XX/XX/XXXX disclosure attached. This loan was never late or in any state other than good standing.This was also when we applied for the loan that was denied in mid XX/XX/XXXX. There was obvious delay of processing WAY beyond the 30-90 days as told to XXXX. 
I was told by XXXX XXXX by email that there was no way to move forward with the loan with me on it after I let her know that my income would be shifting XXXX XXXX that month. Rather than waiting just a few days for that confirmation info, the loan was denied right away. We had been waiting since XX/XX/XXXX fir a decision and they couldnt wait a few days for some updated information.
Product: Credit reporting or other personal consumer reports

Experian stated that the itemed had been removed. collections, names, addresses as well as incorrect negative reporting accounts. Now they are al back on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

I am writing to formally request the permanent deletion of a bankruptcy entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) sections 623 ( a ) ( 5 ), FCRA Privacy law, and FCRA section 609 ( a ) ( 1 ) ( a ). Upon reviewing my credit report, I have identified a bankruptcy entry that I believe is inaccurate and unfairly impacting my creditworthiness.

I assert that the reporting of this bankruptcy entry violates my rights under the FCRA for the following reasons : 1. FCRA 623 ( a ) ( 5 ) : This section of the FCRA mandates that consumer reporting agencies must block the reporting of any information resulting from identity theft or fraud. I have reason to believe that the bankruptcy entry on my credit report is a result of identity theft or fraud, as I have never filed for bankruptcy.

2. FCRA Privacy Law : The FCRA protects consumers ' privacy rights by ensuring the accuracy and fairness of information reported by consumer reporting agencies. The inclusion of a bankruptcy entry that is not legitimately associated with my identity constitutes a violation of my privacy rights under the FCRA.

3. FCRA Section 609 ( a ) ( 1 ) ( a ) : This section of the FCRA grants consumers the right to request the deletion of inaccurate or incomplete information from their credit reports. As the bankruptcy entry is inaccurate and does not pertain to me, I am exercising my right under this provision to request its permanent deletion from my credit report.

I demand that you conduct a thorough investigation into the legitimacy of the bankruptcy entry and permanently delete it from my credit report within 30 days of receipt of this letter. Failure to comply with this request will result in further legal action to enforce my rights under the FCRA.

Please provide me with written confirmation once the bankruptcy entry has been permanently deleted from my credit report.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX Bankruptcy Type : XXXX  XXXX - Case Number : XXXX - Date Filed : XX/XX/XXXX - Discharge Date : unknown XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX  XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

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

I am writing to formally dispute the continued inaccurate reporting of late open accounts on my credit report, despite multiple attempts to correct this issue. This ongoing error is causing significant harm to my creditworthiness and financial well-being. I respectfully request your immediate attention and resolution to this matter. 

I first identified this discrepancy on my credit report. Despite my consistent and timely payments for these accounts since their inception, they have been inaccurately reported as late, negatively affecting my credit score.

My attempts to rectify this issue have been as follows : I submitted a written dispute to Credit Bureaus, outlining the incorrect reporting of late payments and providing all relevant documents as evidence of my timely payments, including bank statements and payment records.

I followed up with [ Credit Bureau Name ] via phone to inquire about the status of the investigation and the correction of the late payment reporting. I was informed that an investigation was underway. 

As the late open accounts continued to be inaccurately reported, I sent a second dispute letter on [ Date of Second Dispute ], reiterating my concerns and emphasizing the urgency of resolving this issue. 

To date, I have not received any response or resolution regarding the correction of the late open accounts on my credit report. 

The ongoing presence of these inaccuracies is causing severe harm to my creditworthiness and financial stability. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly corrects the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Bank statements and payment records demonstrating timely payments Any other supporting documentation I request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of my credit report. Kindly help me correct these late open accounts : XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00}.
Product: Credit card

The company reps do not understand, nor do they care about gross consumer negligence laws. I have called American Express several times and each time they keep me on hold for over XXXX minutes with returning to the line. Also, they are employing deceptive business and unfair lending practices. I am being limited access to credit not based on my credit but based on a random guideline at AMEX. This is not fair lending and an abuse of credit lending power. AMEX hides their deceptive and unfair lending practices behind randomized and bait and switch preset spending limits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these incorrect items on my credit since XXXX, XXXX I keep getting the same response from credit Bureaus. They keep saying that it is verified. they are not telling me how, when, and who verified it. I'm getting denials based on their in correct reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was eight months pregnant with our baby girl. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

Refinancing with Capital One Bank : In what was I thought was the final process Capital One requested I submit credit card information to obtain a {$200.00} non-refundable fee for what they call a XXXX Me Waiver. This waiver is suppose to be relevant to the XX/XX/XXXX-XX/XX/XXXX financials of the XXXX where I reside. This request from my understanding was from their Co-Op review board. I do understand that Co-Op property is handled differently than other properties, BUT, to have me submit a non -refundable fee and then being told that was no guarantee the loan would be approved after paying other fees such as {$170.00} for the management to complete a questionnaire, {$270.00} for lawyers to sign a Recognition and {$20.00} for the XXXX Amendment was very disturbing. Credit cost. I understand that. Contacted XXXX and they had no idea what I was speaking of ; XXXX of their representatives did extensive research and we spoke close to an hour ... end result, they never heard of such a waiver and felt that someone was trying to take advantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX