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

I wrote to XXXX and spoke to them on the phone, I have send them divorce papers and informed them that I no longer live in the house. XXXX XXXX lived there and he got the house in the divorce. Im not paying on a house I couldn't live in. the account # was XXXX. I had no idea that he wasn't making payment on the property. I was not informed. XXXX claims that my name was still on the account but wouldn't give me information on the account or discuss it with me because XXXX XXXX was living in the house. I should not be held at fault because of what he did. I couldn't live in the home nor was I giving any information about the house. They will have to look at XXXX XXXX for what is owed. I'm no longer have any contact with him and the house has been sold.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX A XXXX ; Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Incorrect Employers : SD XXXX XXXX ; XXXX XXXX Listed below are the Accounts that are being challenged PROVIDENT - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX 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, has violated my rights. 

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

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

About a month ago some of my family members started receiving threatening phone calls from National Credit Systems. The calls have been recorded and saved. It was not until the 4th voicemail that the caller identified himself as a debt collector. The saved voicemails can easily prove this both with the text of the voice message along with the time and date stamp. National Credit Systems has already broken federal law by not identifying themselves as a debt collector. 

National Credit Systems is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. 

I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiry XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX where I havent signed authorization to sell my personal information to third parties. 

15 USC 1681 ( o ) civil liability for negligent noncompliance I will never open new accounts. in XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX Company Sold Account Type : Debt Buyer Date Opened : XXXX XXXX Status : Collection account. {$610.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : XXXX Balance Updated : XX/XX/XXXX Paid Off : 0 % Monthly Payment Past Due XXXX Original Balance XXXX Terms : XXXX XXXX  Responsibility : individual Your Statement : XXXX Comments : Contact Info : ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX payment history XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Company Sold : Account Type : debit buyer Date Opened : XXXX XX/XX/XXXX Status : Collection account. {$890.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : XXXX Balance Updated : XXXX XX/XX/XXXX Paid Off : 0 % Monthly Payment : - Past Due Amount : XXXX Original Balance : XXXX XXXX month Responsibility : Individual Comments : Contact Info : ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Company Sold : Account Type : Debit buyer Date Opened : XXXX XX/XX/XXXX Status : Collection account. {$790.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : XXXX Balance Updated : XXXX XXXX Paid Off : 0 % Monthly Payment : ~ Past Due Amount : XXXX Original Balance : XXXX Terms : 1 month Responsibility : Individual Your Statement : Comments : Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Company Sold Account Type : Debit buree Date Opened : XXXX XX/XX/XXXX Status : Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : XXXX Balance Updated : XXXX XX/XX/XXXX Paid Off : 0 % Monthly Payment : - Past Due Amount : XXXX Original Balance : XXXX Terms : 1 month Responsibility : Individual Your Statement : Comments : Contact Info : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

5 fraud accounts are reporting under my equifax credit file, these accounts were opened with out my knowledge, i did not apply to these accounts, attached you will find these account names and the dates these were opened, i had been a victim of ID theft and these are the results for these accounts reporting under equifax, they have not been able to help and were not helpful at all, i have tried to disputed with all the bureaus XXXX and XXXX   were understanding, except equiafx, and they either dont dispute or try to get rid of me with their security questions. please help me, i have been in a very bad situation wit in the last three years and i have done my best to resolve these inaccuracies, if i had the financial situation i would have hired a lawyer to file these complaints but unfortunately i do not, i need you r help to go through this though time.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be ifaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect agencies to handle this dispute with the utmost seriousness and compliance with legal standards. I can provide my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received emails from XXXX congratulating me on opening an account. I had not opened this account. 
I logged into Chime ( typing it into a browser NOT using a link in the email ) to reset the password and verify that no transactions had taken place. 
I then contacted their customer service to close the account. They insisted on having my SSN to verify before closing the account, which I was not willing to provide on the grounds that I did not want to provide any more information to them than they had already received through whoever fraudulently opened the account. 
After a few minutes with an offshore " assistant '' I was told they would not close the account if XXXX would not provide my SSN and they hung up.
Product: Credit reporting or other personal consumer reports

My Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report : address, different name etc.
Product: Credit card

Continued case filed with CFPB # XXXX Bank of America has blatantly breached it Fiduciary Trust Duties which has prompted to place notice here with CFPB as notice. Bank of America has 7 business days to make all my credit card accounts which they have closed and after which was an illegal and improper act of malfeasance that has caused me harm. After XXXX ending 7 business days I will file complaints beginning here with CFPB which as of this complaint notice be activated after the 7days with completion in writing firstly, as a ( Truth in Lending Act ( TILA ) investigation request, secondly a complaint with FDIC / DOJ / OIG/. These investigation will entail BOA use and creation of any account, securities, or any other financial assets by BOA or their assigns using XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a personal LOC on my primary residence with Chase. The loan is variable and the interest rate changes when the prime rate changes. The rate just changed at the end of XXXX, 2019. Chase is saying that they change the rates on the LOC based on the " Published Rate '' on the last day of the month. Since the rate changed on the XXXX, it couldn't be published in the XXXX until XX/XX/2019. Because of that interpretation of their variable rate loan products, they are refusing to lower the interest that they charge to me for 12 days of XXXX. I spoke to them about this, but they are adamant in refusing to correct the charges. I have two letters from them that I attached to this complaint. The difference in the interest rate calculations is about {$200.00}, if I am correct. I believe that since the rate changed in XXXX, any interest charged in XXXX should reflect the new rate.
Product: Credit reporting or other personal consumer reports

I have sent out multiple dispute letters to Experian regarding inaccurate information on my credit report. Despite providing evidence, Experian has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Noting inaccurate information on my credit report verified accurate ; Specifically : 15 USC 1681e ( b ) : Experian has not ensured the maximum possible accuracy of the accuracy of the information in my credit file.

15 USC 1681s-2 : Experian has continued to report inaccurate information after I provided notice of disputes.

15 USC 1681i ( 5 ) : Experian has reinvestigated and reinserted disputed items without notifying me, as required by law.

15 USC 1681c ( c ) : Experian has reported obsolete information that should have been excluded from my credit report. 
Recently, I became aware of the lawsuit filed by the CFPB against Experian on XX/XX/year> titled CFPB SUES EXPERIAN FOR SHAM INVESTIGATIONS of CREDIT REPORT ERRORS According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues Ive been facing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month since XX/XX/2018, I have sent a certified letter to all 3 credit bureaus requesting the information from the creditor Credit Acceptance be removed from my account. In XX/XX/2018, this vehicle was stolen. The company ( Credit Acceptance ) stated they had GAP insurance with my loan and would be taken care of. To date, they are still reporting my loan every month as 120 days past due. I have spoken with the company, the collection agency that now owns the loan, and etc on multiple occasions. NO ONE will help me resolve this matter. This is the only negative thing I have affecting me from purchasing a home. I have tried so many times to get this account resolved and DELETED the inaccurate information of over 30 missed payments from my credit report I have no choice but to file a complaint. This company, the credit bureaus, and the collection agency has EVER followed up with me after I have sent them dispute letters to verify any type of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a job for a company due to the information that the company reported that was over 20 years old. The company told me that it would exclude me from future employment due to this information.
Product: Checking or savings account

Received a 1099 INT form American Express with interest of {$25000.00}, called customer service many times, but no one know what is going on and no solution. Hope American Express can fix this issue, send me the correct one.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Debt collection

I put a down payment on a XXXX XXXX XXXX on XX/XX/year>. Made another payment in XXXX, then shortly after on XX/XX/XXXX I got into an accident and the car was impounded. The tow company would not let me retrieve the vehicle because of the temporary registration. I spoke with a representative from credit acceptance and informed them that I didn't have the car. I sent them a copy and fax of my ticket with police report info.
Product: Credit reporting or other personal consumer reports

Hello I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX  open XX/XX/XXXX XXXX XXXX XXXX open XX/XX/XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX for the months of XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XXXX for the months of XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX for the month of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining inquiries on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called XXXX bank re : XXXX XXXX Account to make a XXXX shot pay to delete deal settlement with them regarding my account ending in XXXX. I was told ON A RECORDED LINE that I would receive a letter in the mail stating they are requesting the deletion of this account from all the credit bureau XXXX XXXX. 

I received a letter shortly dated XX/XX/year> from XXXX XXXX XXXX showing " exhibit A '' as the {$320.00} payment I made to settle the account. I called XXXX XXXX XXXX and they said that I had to speak to XXXX bank re : the XXXX XXXX Account being reported on my credit report. 

XX/XX/year> I called XXXX Bank and requested a letter stating the terms of deleting the account that was settled because it was still reporting delinquently on my credit report. When I called XXXX Bank, it said I still have a balance due despite settling and the representative also agreeing that the account is settled. 

XX/XX/year> I received a letter from XXXX Bank that did not address the deletion aspect of the settlement. I just said that, " XXXX Bank has contacted the major reporting agencies and requested that your account record be updated to reflect the status of 'account paid in full for less than the full balance '. This is not what was agreed to on the phone, on a recorded line, and this is my XXXX attempt to get this letter written accurately so that XXXX XXXX XXXX can tell the bureaus to remove the account just like they promised me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.