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

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( s ) with XXXX XXXX, reported : XXXX XXXX, XXXX, {$480.00}, Closed/charged-off. 
XXXX XXXX, Reported : XXXX XXXX, XXXX, {$1100.00}, Closed XXXX, Reported : XXXX XXXX, XXXX, {$10000.00}, Closed XXXX, Last reported XX/XX/XXXX, {$840.00}, Charged off XXXX XXXX, Last reported XX/XX/XXXX, {$17000.00} I never gave anyone consent or permission to sell my information which is against the law to do so, the first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Checking or savings account

On XX/XX/2020 I left the Meatpacking district in new york in what I thought was a cab at approximately XXXX. I was dropped off at home around XXXX. The next morning I could not find my debit card. I had paid in the cab with my pin and was inebriated so I did not notice the driver not return my debit card The next morning around XXXX I noticed 9 ATM charges in my bank account to roughly XXXX. I went to the nearest bank of America Financial Center after shutting off my card. I worked with the professional there ( " Junior '' ) and left at approximately XXXX XXXX, At XXXX EST I received an email with a receipt to XXXX XXXX # XXXX in my email for {$2900.00}, they had unlocked my card after I had locked it that morning. I then called back and begged them to put a hold on the account ( again ). They had gotten into my account and reset the passcode. I had to create a completely new online account. 

The next morning ( XX/XX/2020 ) I put a hold on the account and transferred my funds and issued a the complain, I received mail from Bank of America that my card had been suspended due to " unusual activity '' of which I was keenly aware. 

Over the next few weeks, I went back and forth with BofA and the Security and Fraud people were sure I would be reimbursed. The BofA finance person had accidentally transferred TOO much money into my account and I returned it as a show of good faith. 

I received a Claim Closed email with ZERO explanation. I have {$4200.00} cents that I have lost through this ordeal. ( XXXX from theft, and XXXX from ATM fees ... ) I have filed a police report, and have called but BofA has no means of reopening the case. 

Please. this was a LOT of money that I had stolen. ( NOTE : the XXXX XXXX receipt automatically sends from that card since that card is tied to my XXXX XXXX account ) If you check with BofA, you can see they sent me an unusual activity account, as well as the close to DOZEN more attempts at using the card after I had reported it stolen. 

Also note, I lose my phone at the same time, hence why I physically went to the financial center. While there I withdrew XXXX dollars, which you will see, using my passport and ID and answering security questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint once again to request that you remove the disputed fraudulent accounts you have been reporting on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I previously sent you a disputed letter dated XX/XX/2022 with complete attachments of my personal documents as well as the ID THEFT REPORT I received from the FTC. I am now requesting to you once more to remove the following accounts and information off of my Credit File : 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  Balance : {$8200.00}. If you believe that the disputed accounts belong under my name, I request of you to please send me copies of proof of verification or any documents supporting your claims that the disputed items are mine. If you can not find not provide any documents needed for the accounts ' verfication, immediate deletion of the disputed accounts will be appreciated.
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I write to express my extreme frustration and disappointment with your persistent failure to rectify blatant inaccuracies on my credit report. It has been months since my initial investigation, and the fact that erroneous information still remains is completely unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) explicitly demand the authentication of reported accounts within a reasonable time frame. Your refusal to treat this matter with urgency and produce the necessary proof is an egregious violation of these statutory requirements. I demand an immediate and thorough investigation into the unverifiable items associated with the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$31000.00}. XXXX has already demonstrated a responsible and corrective approach by removing late dates and updating the negative status of this account to a positive one. It is bewildering and infuriating that your bureau has failed to emulate this action, especially considering the evident error in the reporting.
Product: Credit card or prepaid card

To whom this may concern, I am writing in merit to my dispute with my dispute with Chase XXXX regarding merchant XX/XX/XXXX XXXX {$2300.00}. It seems that my documentation was not received on time despite me providing the documentation the same day that I received the letter to do so XX/XX/XXXX and needing to be in by XX/XX/XXXX. The case was closed on XX/XX/XXXX as documentation not received despite me uploading the documentation on time. On XX/XX/XXXX I was asked to write a letter to reopen the dispute and that the coding for the dispute was changed as item damaged and not item not received which was another error created by Chase dispute. I uploaded the information and letter on XX/XX/XXXX detailing the following details listend below. 

In closing my dispute the merchant allegations were completely false. First of all I never claimed that I did not receive my order, quite the opposite I was shipped a defective duffle bag whose zipper stuck and I RETURNED the duffle bag the defective using the merchant prepaid XXXX  return label the merchant assumes all responsibility. Secondly, the merchant did not ship the item to me using USPS ; they shipped the duffle bag using XXXX. The rebuttal by the merchant is riddled with errors and misinformation which is enough to close the case. 

I returned the duffle bag using the merchant 's XXXX  prepaid return label on XX/XX/XXXX, after the pick up scan the package went missing for 14 days, the distance from my home to XXXX CT is less than XXXX miles and the item should have been delivered on XX/XX/XXXX back to the merchant. I contacted the merchant and was told that XXXX could not locate the package. Finally on XX/XX/XXXX, the package was located and delivered back to the merchant. When I contacted XXXX  I was told the only XXXX could file a claim for lost or missing items as the PREPAID return label was issued by XXXX and they could not give me any information or allow me to start a trace. 

To date, I have not received a refund from the merchant. The XXXX  return tracking number from the merchants prepaid return label is XXXX which shows a pickup scan for the item, a missing scan for the item, and finally a delivery scan for the item directly from XXXX. 
I am also attaching screenshots from the merchants website that shows the order number, that the item was received on XX/XX/XXXX, and a return order summary in addition to the proof of delivery from XXXX and proof from Chase emails that my documents were uploaded on time. 

Despite providing all this nformation two times today I receive a letter dated XX/XX/XXXX stating that there was no billing error. When I called and spoke to a supervisor named XXXX I was told that the claim was closed because my document were not received on time and was given a phone number to XXXX as there was nothing they could do for me. I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) erroneously and intentionally reported my Visa and personal loan as late and or missing payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX, which resulted in my credit score being reduced from XXXX to XXXX, which resulted in Home Depot reducing my credit limit by {$9000.00} and me being declined credit and or lower amounts of credit. 

XXXX and XXXX failed to properly investigate my disputes, despite having the documents that show the dates the payments were sent to the credit union. They failed to properly investigate and or update my credit reports to reflect accurate information. XXXX was the only credit bureau who investigated and corrected my credit report to reflect accurate information. 

Instead of XXXX accurately reporting information and removing the erroneous information, they reported the account as improved, which further reduced my credit score. 

XXXX is well aware that my Visa and personal loan are paid by XXXX XXXX XXXX XXXX, the payments are sent to the Credit Union two to three days before the due date. In the correspondence that I receive form XXXX it states that I should allow the credit union to apply this benefit. So, if the payment is late it is because the credit union failed to apply the payment in a timely fashion. 

I was physically in the credit union sometime in XX/XX/2019 making a deposit, when this issue came up, the clerk hesitated to accept my deposit because she said that my payment for my VISA card was late, the other clerk checked the system, and said that the payment was in the system, but it had not been processed yet, my payment was due on XXXX XX/XX/2019, and I was physically in the credit union in or around XXXX XX/XX/2019, the payment has been sitting at the credit union since XXXX XX/XX/2019, but yet they reported the payment as late to the credit bureau. 

Home depo reduced my credit limit to my outstanding balance, which resulted in my credit card being maxed out and eventually resulted in my minimum payment to double. They also, applied 6 months of interest payment to all of my purchases without my consent, and when the six months expired, it caused my credit card to be over the limit ( because they had reduced it by XXXX  ), which further affected my credit score.

I Thanks V/r XXXX XXXX XXXX.
Product: Debt collection

On XXXX XXXX, 2014 I received communication dated XXXX XXXX, 2014 regarding a past due amount of {$150.00}, with additional " interest '' of {$9.00}. 

On XXXX XXXX, 2014 I notified debt collector : " the communication you provided is vague and does not contain the necessary and specific information needed for my review. The Creditor name of " XXXX XXXX XXXX '' is ambiguous, vague and does not specific what this collection attempt is about. " Also requested and advised the debt collector : '' Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide the details of : The alleged amount owed to the CreditorClearly outlined and specific details as to the reasons of the chargesContact information of the original Creditor for verificationDates of service reflecting the chargesServices provided on the dates of the incurred chargesDocumentation substantiating the chargesProof of serviceAny resolution agreement with CreditorMethodology of your arbitrary interest amount added to the alleged past due amountProvide me with copies of any papers that show I agreed to pay what you say I owe ; Proof the Statute of Limitations has not expired '' I have not received any of the verification or any communication, the collector has proceeded to wrongfully submit negative credit information to the credit bureaus. 

I have advised the Collector on XXXX XXXX, 2014 : '' If your offices have reported invalidated information to any Credit Bureau 's ( e.g. Equifax, Experian or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices ActDefamation of CharacterIf your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Any attempt to report this ambiguous and alleged collection attempt to any credit bureau will be reported to the Federal Trade Commission and the applicable court of law to seek restitution for damages to a credit history. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with Chexsystems for continuing to report a debt owed to XXXX of {$940.00}. Chexsystems continues to report this debt owed, yet had been shown repeated proof that I signed onto the account of my mother-in-law who is deceased in order to help manage her estate. I did not become personally liable for the debt. Moreover, and insultingly, I continue to maintain an account at XXXX. If XXXX had an outstanding debt with me, would one think they would let me keep a current account with them? This is outrageous conduct by Chexsystems and only adds to the difficulties with my mother-in-law 's passing. My mother-in-law 's old debt is the ONLY negative report on my Chexsystems history and is singlehandedly prevented me from opening another checking account.
Product: Credit card or prepaid card

I had my discover credit card for a longtime now. Paid on time always never late. I havent used it in a few years and out of the lie I got a notice saying it was being closed. I called discover and they said I needed to reapply which makes no sense if they wanted me to use the could has let me know and given me a chance to do so before just closing the account :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXREPORTED : XXXX AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting or other personal consumer reports

I have been having multiple financial problems because of the information on my credit report is wrong the names and addresses are not mine and I want them removed from my report. 
My only name is XXXX XXXX XXXX. 
My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
My date of birth is : XX/XX/year> My social security number is : XXXX Any information other than information listed above should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several serious inaccuracies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The information provided is inconsistent and shows repeated re-aging of the charge-off status, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), which limits the reporting of charge-offs to seven years from the date of the first delinquency.

Specific issues include : The account is reported as charged off continuously over multiple years, from XXXX to XXXX, with inconsistent balance and status updates. 

The status update date is listed as XX/XX/XXXX, but the balance was updated as recently as XX/XX/XXXX, suggesting ongoing activity or re-aging of the account, which violates 15 U.S.C. 1681c ( c ) ( 1 ), prohibiting re-aging of debts.

The " on record until '' date is listed as XX/XX/XXXX, which contradicts the continuous charge-off reporting that implies ongoing delinquency beyond the standard reporting period.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) of the FCRA, credit reporting agencies are required to provide a detailed description of the reinvestigation process within 15 days of receiving a consumer 's dispute. Despite my previous request, no such description was provided, which is another violation of my rights under the FCRA.

The repeated re-aging of this account, combined with the failure to provide a detailed reinvestigation process, demonstrates non-compliance with federal regulations. These actions are not only misleading but also unjustly prolong the negative impact on my credit report.

Due to these multiple violations and inaccuracies, I am requesting the immediate deletion of this account from my credit report.

Please address this issue promptly in accordance with the FCRA guidelines.
Product: Debt collection

Merchants and Medical Credit is has continuously attempted to collect XXXX XXXX debts that do not belong to me. I have submitted disputes with all XXXX credit bureaus advising that these accounts do not belong to me. On XX/XX/2017, I mailed a letter directly to Merchants and Medical Credit requesting verification of the alleged debt. I did not receive a response, but they communicated with the credit bureaus. Until this point, they reported the accounts as in collection. After my letter was sent, Merchants and Medical increased the balance on XXXX of the accounts by {$1.00} and listed them XXXX as closed collection accounts. The following week, the accounts are listed as open collections with the balance on XXXX being decreased by {$1.00}. 
Merchants and Medical Credit has failed to provide written auditable proof that either of these accounts belong to me. It seems that Merchants and Medical may not be compliant with the law.
Product: Credit card or prepaid card

I had CAREcredit credit card and I paid the entire balance on time and in full. After the balance was paid, the issuer cancelled my card and even though I meet the requirements for a new and/or old account, they will not approve me. I was told there is no one I can talk to about it and no one can change the automatic response of denial.
Product: Credit reporting or other personal consumer reports

( See attachments and supporting documents ) XXXX, Experian, XXXX shows bankruptcy filed in my name on my credit report, has NOT produced any evidence of documentation that has my signature, showing I filed for a bankruptcy at anytime. This is false and must be deleted immediately from my credit report. Showing XXXX filings. There is no documentation and I did NOT file ANY bankruptcy filing. 
Please send me supporting documentation that has my SIGNATURE where I signed these documents OR DELETED, REMOVE and UPDATE my credit report you keep in my name and forward a copy of the UPDATED REPORT to my address you have on file
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. Please remove it.