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

I am writing to formally dispute several inaccuracies and unverified accounts on my credit report, as protected under the Fair Credit Reporting Act ( FCRA ) and Nevada Revised Statutes ( NRS ) Chapter 649. Despite previous disputes, the reporting agencies have failed to provide the method or proof of verification for these accounts. Additionally, there are incorrect name spellings and addresses on my report. I am seeking the immediate correction of these inaccuracies and a statutory remedy of {$1000.00} per incorrect item due to non-compliance. 

Disputed Accounts XXXX XXXX ( Account # : XXXX ) Issue : Reported as a charge-off with a balance of {$9100.00}. 
Concerns : Under 15 U.S.C. 1681i, I requested validation of debt and method used, but Experian, Equifax and Transunion have not provided substantive evidence that this account belongs to me. 
If the creditor can not supply proof of signed contracts, transaction records, and validation of the amount, this account must be deleted immediately. 
Additional Note : According to IRS regulations, a charge-off is considered cancellation of debt income and should not continue to be reported as an outstanding debt. 

XXXX XXXX XXXX ( Account # : XXXX ) Issue : XXXX account for {$350.00} remains on my report despite prior disputes. 
Concerns : No proper validation has been provided as required by the FCRA. 
This account should be removed immediately for lack of verification. 
Licensing Verification : Please confirm that XXXX XXXX XXXX is licensed to operate in Nevada, as required by XXXX XXXX. 

Achieve Personal Loans ( Account # : XXXX ) Issue : Reported as charged-off for {$23000.00} but lacks debt validation. 
Concerns : No original creditor agreement or signed documentation has been produced. 
This item should be deleted immediately due to failure to provide legally required documentation. 
Additional Note : As with the XXXX XXXX account, this charge-off should be considered cancellation of debt income and not reported as an outstanding debt. 
XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX ) Issue : The collection agency claims to have verified this account but failed to provide any method or proof of verification. 
Concerns : The burden of proof falls on the data furnisher, and their failure to produce verifiable proof mandates removal. 
Licensing Verification : Please confirm that XXXX XXXX XXXX XXXX XXXX is licensed to operate in Nevada, as required by XXXX XXXX. 

Incorrect Personal Information My credit report contains inaccurate name spellings and addresses that must be corrected immediately : Incorrect Addresses Listed : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX These inaccuracies violate the FCRA and CFPB regulations, as outdated and incorrect personal information can result in identity verification errors and adverse credit impacts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXXXXXX XXXX XXXX Acct # XXXX {$790.00} $ XX/XX/XXXXXXXX XXXX XXXX Acct # XXXX {$680.00} $ XX/XX/XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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: Mortgage

We had tornado damage to our house, XX/XX/XXXX & we sent our insurance check to Ditech Financial,  mortgage holder. We are asking for the final amount {$1600.00}, to be released. 
I have been in constant contact with Ditech Financial via phone & emails since I mailed our insurance checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third attempt to resolve this issue with credit bureau ( provided proof of delivery of request. ) The inquiries listed below were never authorized by me and are reporting as a credit error. I have no resolution with the 3 credit reporting agencies and I am requesting assistance to please remove all credit error inquiries. 

XXXX XXXX XXXX You applied for a credit card on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My accounts were frozen/restricted without cause as retribution for someone I live with having their account frozen ( his wife 's account was also frozen ). There is supposed to be {$0.00} bonus for logging in for 7 day and credit score increases and neither my roommate, nor his wife had their rewards reinstated when they reported SoFi to CFPB and their accounts were reinstated. I'd like those reinstated too.
Product: Credit reporting, credit repair services, or other personal consumer reports

send XX/XX/2022 Hello to whom it may concern, I have contacted the credit bureaus to do a verification of my credit report by mail. They responded within a couple weeks. 
They said they conducted their investigation and updated all information and that everything was accurate. After their investigation I went ahead and researched myself and discovered improper inaccuracies even after they did their investigation. 



In accordance to the Fair Credit Reporting act 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 The following accounts have huge discrepancies. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is inconsistent Last Reported is inconsistent Date Last Active is inconsistent Date of Last Payment is inconsistent XXXX. XXXX XXXX XXXX -Date Opened is inconsistent -High Credit is inconsistent -Credit Limit is inconsistent -Last Reported : is inconsistent Date Last Active is inconsistent Date of Last Payment is inconsistent XXXX. XXXX XXXX -Account Type - Detail : inconsistent -Date Opened is inconsistent -High Credit is is inconsistent Payment Status is inconsistent Last Reported : is inconsistent Date Last Active is inconsistent Date of Last Payment is inconsistent XXXX. XXXX XXXX XXXX Account Status : is inconsistent Date Opened is inconsistent High Credit is inconsistent Payment Status : is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXX. XXXX XXXX XXXX XXXX, XXXX -Account # is inconsistent -Account Type is inconsistent -Account Status is inconsistent - Date Opened is inconsistent -No. of Months ( terms ) is inconsistent -Last Reported is inconsistent -Date Last Active is inconsistent XXXX. XXXX XXXX Account Type - Detail is inconsistent Account Status : is inconsistent Date Opened is inconsistent No. of Months ( terms ) is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXXXXXX XXXX XXXX Account Status : is inconsistent Date Opened : is inconsistent High Credit : is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXX. XXXX XXXX Account Type - Detail : is inconsistent Account Status : is inconsistent Date Opened : is inconsistent High Credit : is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXX. XXXX XXXX Account Type - Detail : is inconsistent Date Opened : is inconsistent High Credit : is inconsistent Last Reported is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXX INQUIRY is inconsistent XXXX - INQUIRY is inconsistent XXXX XXXX -INQUIRY is inconsistent XXXX INQUIRY - INQUIRY is inconsistent
Product: Checking or savings account

My bus. acct is being closed by Bank of America, in XXXX, CT. within a month their reason they do not want ATM bus. I opened the acct in XXXX they were so happy to have me. Bus and personal accts after XXXX XXXX closed my acct for the same reason in XXXX, CT. I was with them for 10 years. I am XXXX years old I XXXX and XXXX XXXX XXXX XXXX one in XXXX XXXX, CT a manufacturing co in their cafeteria for employees and one at a resort in XXXX, MA. I owned that one since XXXX. The bank knows I use my own money to XXXX XXXX XXXX XXXX with an IRA. I retired after 21 years at XXXX, in XXXX XXXX, CT. I took a buy out, age XXXX in XXXX. I own my home in XXXX since XXXX. Still owe a mortgage ofXXXX. When a person takes money out of the ATM the money comes back to my bus. acct the next morning from a data processing company by an ACH that I filled out when I opened the acct. These accts are not very busy by the way but the income helps to pay my mtg. I am paid once a month by XXXX XXXX for the fees I charge at each machine. That incomes comes to me by an ACH also around the tenth of the month. The people at the branch are very nice and I only go in the most twice a week for the cash, {$2000.00} or {$4000.00}, etc. I am so shaken knowing that banks are refusing to allow our business and we need a bank. I am devastated. Can you help me please?
Product: Student loan

On XX/XX/2023, I repaid my student loan in full through EdFinancial for the amount of {$8000.00}. Originally my loan is only {$8000.00}, but they sent an email saying they would begin due dates in XXXX once interest began again starting XX/XX/2023. So, I paid the loan in full plus interest to avoid any more interest accumulation. I have a confirmation email showing the confirmation number stating the loan was paid in full. When I checked my account days later through my account on EdFinancial ( on XX/XX/2023 ), it said the payment has been reversed. I have received no notification showing that the payment was reversed and if I never checked than I would never know. Now I have accumulated even more interest. I will not be paying anything past the amount from XX/XX/2023. This is happening to several people across the U.S., please help me resolve this issue and be done!
Product: Debt collection

The debt collection agency I.C. System Inc is attempting to collect a debt but is not license within the state I live in to collect this debt. I currently live in the State of Michigan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian on XX/XX/XXXX, tracking number # XXXX in regards to a few accounts on my report that are inaccurate. Experian received my letter on XX/XX/XXXX at XXXX. Experian failed to verify the accounts with adequate proof, with my signature, that these accounts belong to me within the 30 day time frame. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, Experian was unable to provide me with a copy of the verifiable proof that they have on file for the accounts listed within 30 days of receipt of my letter, and they must remove these accounts from my credit report.
Product: Credit reporting

well at first it basically it had every thing right but the chapter of Bankruptcy I filed so I disputed it along with other info of credit cards and loans that had the same thing. it first said undesignated chapter so when I disputed it and told them it should be a chapter XXXX Bankruptcy and that it should say discharged. So after a few weeks Experian sent me the disputed results. now it saying I had XXXX Late payment in XXXX of XXXX oh it also says Charge Off as of XXXX XXXX and that it was a chapter XXXX in XXXX. I had filed for chapter XXXX on XXXX XXXX, XXXX so I know that I was not late and Had Never in my life filed for chapter XXXX. So then I had tried to dispute it again and the sight will not let me. so I also contacted the creditor of that account and was transferred to XXXX different people and they said they had no information on it and then basically hung up on me because I told them I wanted it fix or I will call my Lawyer.
Product: Debt collection

On XX/XX/18 this company signed for a certified return mail receipt for a dispute against this company. Tracking number is XXXX XXXX XXXX. Per The Fair Debt Collection and The Fair Credit Reporting Acts ( Section 807 ( 8 ) and 623 ( a ) ( 3 ) ; XXXX XXXX had 30 days to mark my account disputed, which they failed to do and it is a FEDERAL OFFENSE
Product: Credit reporting or other personal consumer reports

I write to XXXX, XXXX and TransUnion to again DISPUTE my XXXX XXXX Bank ( Synchrony ) accounts AND request that you include the below CONSUMER STATEMENT for Each of the XXXX XXXX  accounts which means there must be XXXX account specific consumer statements for each of my XXXX XXXX  accounts incorporated with data for each of the XXXX accounts. I have filed numerous disputes for over 9 months with every CRA and directly with XXXX disputing each of the XXXX accounts. However, every time the required DISPUTE status is entered in my credit reports, XXXX deleted them and every CRA willfully violated its Facially False Data prohibitions of the CFPB. Such violations are deemed willful by the CFPB and carry statutory damages of {$1000.00} per violation per account per event plus XXXX times punitive damages ( see XXXX, XXXX XXXX XXXX ) making damages of multi XXXX dollars per account. In XX/XX/2023, I filed multiple consumer demands with the American Arbitration Association ( AAA ) claiming entitlement to over {>= $1,000,000} in statutory and punitive damages per account pursuant to Synchronys arbitration agreement. I have attached multiple letters from AAA to evidence arbitration cases along with pages XXXX, XXXX and XXXX of each claim regarding federal jurisdiction about liability if matters were filed in a XXXX XXXX XXXX. XXXX has retained counsel and the multiple AAA cases are awaiting fee payments to AAA by XXXX plus its Answers due shortly. I have not filed any federal court case against any CRA yet in hope of obtaining FCRA compliance, especially account deletions. I owe XXXX {$0.00} and it owes me millions but my credit reports are inaccurate. Liability continues to increase for XXXX and every CRA by failing to report accounts as disputed and failing to report the date of account closure by consumer. Please investigate and update your reports and delete accounts to mitigate damages. I will surely XXXX CRA records so I expect that the investigation process will be thorough and complete. I ask that you include the following account specific consumer statement for each of the XXXX accounts. XXXX STATEMENT For each of my XXXX XXXX  Bank accounts, Synchrony is liable to me for statutory and punitive damages for every account for repeated WILLFUL FCRA violations exceeding {>= $1,000,000}. In XX/XX/2023, I filed multiple XXXX page Consumer Demands with the American Arbitration Association ( AAA ) detailing specific calculations of its multi-million dollar liability for each account. AAA cases are pending awaiting payment of billed AAA fees and Answers in each case by the AAAs deadlines. I insist on 100 % compliance with the FCRA, FDCPA and other statutes and I will continue to file Arbitration cases with the AAA or JAMS against violators pursuant to arbitration agreements or otherwise in Federal Court if no arbitration provisions exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX  XXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau po box 4503 Iowa City, IA 52244 **Re : Escalation : Experian - Demand for Enforcement, Restitution, and Supervisory Action** To CFPB

Office of Enforcement , This is a formal escalation of my complaint, demanding enforcement action, victim compensation, and significant investigation into Experian 's practices.

**Pattern of Wrongdoing - Experian 's Bad Acts** * Experian demonstrated negligence by ignoring concerns.

* Demonstrated bad faith towards me by ignoring and breaking the agreement. **Legal Justification - Why Experian Must Be Held Accountable** 1. *Violation of 12 CFR 1022.42* : This regulation establishes th
e need for a reasonable investigation.

2. *Violation of 15 U.S.C . 1681s-2 ( b ) ( 1 ) * : The information was not reasonably investigated.

**Demands for Justice** 1. Ensure Experian faces serious penalties.

2. Compensate all damages.

**Attachments** * Exhibit A : Experian Dispute Records ( 26 pages ) * Exhibit B : XXXX Delivery Confirmation ( CMRR # XXXX XXXX XXXX XXXX XXXX XXXX ) * Exhibit C : Experian XXXX XXXX * Exhibit D : Experian Notice to Dispute Respectfully, All Rights XXXX XXXX XXXX
Product: Debt collection

I talked to someone in XXXX of 2023 and we talked about the credit card. They told me it would be a one time payment. They sold to a third party company now Im Paying again for debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint here today in order to investigate some accounts in my credit report which I believe to be erroneous. These accounts must be validated immediately to prevent more harm to my credit file Here are the aforementioned accounts : XXXXXXXX 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 XXXXXXXX Balance : {$580.00} I already sent the necessary documents to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please verify and investigate the accounts above
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has allowed multiple companies to provide them with fraudulent information to report on my credit report. to my understanding is that Equifax is supposed to report accurate and correct information to a consumer 's report and I have been one that has been treated unfairly because they are allowing inaccurate/fraudulent Infomation on my report.

I ask that the items be deleted to correct my credit report. 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. 

Fraudulent Inquiries XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account with signatures from all parties. I have been contacted by XXXX other companies regarding the same debt, which raises serious concerns about its legitimacy. To resolve this matter, I am formally requesting that you provide a detailed chain of custody for this debt. This should include full documentation of its transfer or assignment, starting from the original creditor through any subsequent parties, including your company. If you can not provide the requested documentation to verify your legal right to collect this debt, you must delete this debt from my credit report. Failure to address this matter adequately will leave me no choice but to consider legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation # XXXX XX/XX/2018 Personal Identification Information : has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is no such address. Equifax keeps putting address on my credit file that is not correct now this address just pop ups.

Equifax does nothing but create address for money so they can sell information.
Product: Credit card or prepaid card

I got a credit card with a company called Grain, I believe it was in 2021. I got it because I was building credit and I was preapproved for {$1000.00} without running my credit. It wasnt a physical card, basically any time I needed to use the credit card i requested an amount be transferred to my bank account from the line of credit. Fast forward to about 8+ months ago, they started acting shady. Using a third party company and forcing me to upload pictures of the front and back of my social security card, refusing anyone access to their account without this, and when I emailed them that I was uncomfortable and wanted more information, they told me that I wont be allowed access to log in to pay my card. They stopped responding to me, i complained that they have automatic payments coming out of my account monthly yet I wasnt allowed to see any activity on my card including the interest or balance and they turned off my payments without my consent to damage my credit. I filed a complaint with XXXX  after they finally locked me out and they briefly went back to responding, now its been about 2 months of them not responding again. I finally sort of got back in my account, and noticed that they offered an option to now upload your drivers license since enough people complained instead of the social. I did that, even though I was still uncomfortable, and now its been about 6 weeks and they still havent verified my drivers license through the shady unknown XXXX party, I still cant get in my account, and they still wont answer me. Surely I should be allowed to have access to my own card and better customer service.
Product: Credit reporting or other personal consumer reports

I spoke with representative along with my real estate agent, we had to pay this off in order for our mortgage to be approved. It was paid and the rep said we would receive an email stating this and they would submit to credit bureaus and it would be paid in full status and deleted off my credit bureaus, this was our verbal agreement. It is attached as well via email. It still as of today is on my credit reports. This is not okay, I have proof it was settled and needs deleted off my credit report.