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

I have experienced mental hardship and I am unable to refinance my home due to this erroneous account on my consumer report. 

I demand an immediate re-investigation on this account : I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE from my consumer report. ACCOUNT : XXXXXXXX XXXX DATE OPENED XX/XX/year>. 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 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. I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing the charged-off auto loan account with account number [ XXXX ] on my credit report. This account has been reported inaccurately and is in violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). I demand its immediate deletion from my report.

Non-Compliance and Inaccuracies Include : Incorrect reporting of the Date of First Delinquency ( DOFD ).

Misleading charge-off status and balance amounts.

Inaccurate closed status without clear verification.

If these items are not deleted within 30 days, I will proceed with a lawsuit for willful non-compliance with FCRA and Metro 2 standards, seeking damages for the harm caused by this inaccurate reporting. 

This is my final demand for deletion. Any failure to respond with full compliance will leave me no choice but to take legal action. I have consistently disputed to resolve the issue before taking legal action the credit bureaus state that it was verified and updated but that cant be true because with proper investigation they wouldve realized this account shouldnt be reporting on my credit report.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX and XX/XX/XXXX I received three emails claiming the loan I applied for was denied because of my credit, well the thing is I haven't applied for a payday loan with any company in over a year. When I replied to the email the company said if I check my paperwork it will tell me that they are loan provider. I didn't understand because they assume I knew about the loan but that I didn't know it was from them, I further explained I never applied for a loan well on today 's date XX/XX/XXXX at XXXX I received another denial letter about a recent loan. I asked for proof of this loan they claimed I signed and all I received was another email of a recent loan denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an overall credit limit of {$65000.00} on my combined credit cards ( 10 ) with an overall 1 % credit utilization. However, I had a 30 % utilization on one of the cards, the total balance on all cards was {$960.00}. 
{$960.00} balance compared to a {$68000.00} limit, indicates utilization is less than 1percent. So, I was baffled when my credit score dropped XXXX XXXX both on Transunion XXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. CAPITAL ONE XXXX and CAPITAL ONE XXXX
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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've fixed several issues regarding my credit profile and Experian refuses to update my information or credit score. 
The XXXX XXXX score they listing is significantly lower than what XXXX and XXXX are reporting.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent 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. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Dispute letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly. 
This collection account is reporting not only as OPEN but also shows past due balance of {$13000.00}. 
According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. 
Please provide a copy of my new credit report reflecting the account removed upon completion.
Product: Credit reporting

I accessed a free copy of my credit report from freecreditreport.com, which looks to be owned by Experian. The address and current employer information is over 8 years old. Their web forms would not " accept '' my information as matching their system ( email and DOB, both are correct on the report, and a membership ID, provided by Experian ). The toll free number I was referred to ( XXXX ) only has XXXX options : obtain a copy of a free credit report and fraud prevention services/security freeze. There was no was to open a dispute other than by mail. The letter will be mailed XXXX/XXXX/16.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information in a grossly negligent way which has led to a breach that puts myself and hundreds of millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media on XXXX XXXX. What Equifax has done so far is NOT ENOUGH and leaves myself and hundreds of millions of others at risk of severe financial harm.
Product: Debt collection

Received certified letter for civil complaint for a judgement of {$1100.00} about a debt I know nothing about. Have not been given verification or validation information such as the proof that I am indeed the party they are requesting to pay this debt. I sent them a verification via certified mail asking for the account details such as an itemization of current amount of the debt that reflects interest, fees, payments, and credits since a particular date. I have not received any such info that is required under the FAIR CREDIT EXTENSION ACT. I was given no option to discuss or dispute the said debt that is actually time barred as of XX/XX/2024 according to their paperwork that has been received.
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX XXXX - ACCOUNT # : XXXX - AMOUNT : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are not correct and needs to be removed.

Collection account is not correct and needs to be removed.
Product: Checking or savings account

I have a basic checking account with Huntington National Bank ( HNB ). In 2022 I was solicited for a new product offered by HNB linked to my checking account. It was advertised as a " Stand By Cash '' account where I could initiate a type of loan and have borrowed funds transferred directly into my checking account. I was initially granted a credit limit of {$300.00}. The terms of this type of loan are that the money is interest free as long as it is paid in full at the end of 3 months. The customer also has to make 3 monthly payments of equal amounts. I thought this was a good product so I borrowed {$150.00} in the beginning and repaid it in full as agreed. I also signed up for automatic payments from my checking account. Within 3 months HNB notified me that my credit limit had been increased to {$600.00}. Again, I initiated a loan to myself from this " Stand By Cash '' account in the amount of {$500.00} and signed up for automatic payments. One month after initiating the loan HNB lowered my credit limit to {$200.00} which made me appear over my credit limit. I contacted HNB about my concern and they confirmed that this type of loan product is reported to the credit bureaus. I, again, repaid the loan within 3 months per the agreement. One month following getting that loan repaid HNB increased my credit limit to {$750.00}. THEN... 2 months later, HNB decreased my credit limit to {$100.00}. I didn't even have any outstanding loan balance at that time. My concern is that within 1 year 's time HNB has arbitrarily increased and decreased my credit limits 4 different times for no reason. One time making me appear to be over my credit limit. Plus, they are reporting these different credit limit adjustments to the various credit bureaus thereby negatively impacting my credit score. I have never had a credit lending institution decrease my credit limit and on the contrary, I've only ever had my credit limits increased. I reached out to HNB one month ago ( the XXXX, MI branch ) to voice my dissatisfaction and concern and the customer service representative basically said that's how the product works. I did also receive a call from the District Manager but again, he only listened with no resolution.
Product: Student loan

my husband has a student loan that in  XXXX  different agencies, still default but  XXXX  of them told us to do a rehab program for 9 months just {$5.00} a month ( this is only we could affo rd )  so it will be out of default once this rehab is over. But they told us to call the another agency to do the same with them, the problem is their program right now that is available to us is {$100.00} a month for rehab. I spoke with the dept. of education few wks ago and they said it should be all the same if that only we could a fford (  {$5.00} a month ). Right now this other agency that 's collecting {$5.00} from us still garnishing my husband wages until 5 months of rehab is done, we can not do {$100.00} for this another agency, it is too much for us family, we are really struggling with money. thank you
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

I am requesting the removal and permanent deletion of an inaccurate collection account from both my Experian and XXXX credit reports. This account, related to Spectrum services, was previously removed after I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), as it was confirmed to be inaccurate. However, the collection has now reappeared on my credit reports under different collection agencies and for varying amounts ( {$120.00} and {$120.00} ). 

I currently have an open and active account with Spectrum, and I am making regular monthly payments. My account has never been sent to collections, as confirmed by Spectrum on multiple occasions. 

This situation appears to be a deliberate attempt to harm my credit by exploiting loopholes or transferring the account to different collection agencies after removal. It is causing unnecessary stress and damage to my credit score, despite the fact that I have no delinquency or unpaid balance with Spectrum.

For a fair resolution, I request the following : Immediate removal and permanent deletion of all collection accounts related to this issue from both my Experian and XXXX credit reports. 
Written confirmation from XXXX and all involved collection agencies ( such as XXXX XXXX XXXX  ) that my account was never in collections. 
A thorough investigation into why this issue keeps recurring, including measures to prevent future erroneous reports. 
I also expect any damage to my credit score as a result of these false reports to be corrected. If this issue is not resolved, I will consider further legal action or escalate the matter once again to the CFPB.
Product: Credit card or prepaid card

It's a bit of story, but back in XXXX I disputed a charge with Chase Bank on my Freedom Flex Card. They lodged it as a fraud rather than a dispute. Then they decided the fraud wasn't valid so they've now decided to reverse the temporary credit they gave me. They appear to have no way lodge a dispute. I tried through the mobile app, the website, and calling them. When I called them they said I needed to upload a letter ( can't upload a letter without a claim number ), called them back they said to do it as a secure message ( can't lodge dispute as a secure message according to their website ), website says it should be under the credit card itself on the website ( it isn't their is only a place to track disputes, not lodge them ). So, anyway I'm turning to you in the hopes to resolve this issue. All of this is regarding the following charge : XXXX XX/XX/2023 for {$400.00} Posted on the XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My personal information was used by someone in my house to obtain a XXXX system. My mother became ill and ended up passing away during this time the bill was turned over to collections to a third party collection company in XXXX. The bill was paid in full just as was promised with my income tax in XXXX. I am a single mother and struggling as it is. I am trying to obtain a home loan and they refuse to remove this from my credit report. They only reported that it was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 

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 XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX I paid {$15000.00} to XXXX XXXX. The contracted amount I was supposed to pay was {$9000.00}. XXXX XXXX XXXX had contacted me on several occasions to say additional work needed to be done. However, in none of these instances did he ever provide a written estimate for the additional work he said was necessary as required by law. Furthermore, because I criticized and called XXXX XXXX out for verbally disrespecting me for calling to find out the status of my XXXX XXXX that he had for over a month XXXX XXXX told me he would only accept a cash payment. XXXX XXXX charged me {$6000.00} over the agreed upon contractual amount. This is the amount being disputed. 
My complaint is against Navy Federal Credit Union for mishandling this dispute. The dispute was filed on XX/XX/XXXX. On XX/XX/XXXX I received a message from Navy Federal to upload supporting documents for this dispute and I did so that day. I never heard anything more from Navy Federal Credit Union. On XX/XX/XXXX I accessed the NFCU website to check the status of the dispute. The screen read there were no open disputes. I called Navy Federal and spoke with someone in disputes. She read through the notes and informed me she saw my documents uploaded and she also saw that the dispute had been closed. She saw no evidence that I had been contacted or notified at any time by NFCU. There was never a temporary credit issued. Disputes have a limited amount of time to processed before expiring.
Product: Checking or savings account

On XX/XX/XXXX, Capital One bank initiated a two-day early direct deposit for my checking account without my prior knowledge or consent. When I called the bank to determine why my direct deposit was two days early, I was informed that my account qualified for the new program and I was told that every two weeks, I would receive my direct deposits on Wednesdays instead of Fridays from now on. In early XXXX however, I began having issues with not receiving my deposit on Wednesday mornings as I previously had been and the deposits began arriving later in the day, or even the next morning. I called the bank several times and was told there was no guarantee with the two-day early direct deposit of which day I would actually receive my deposit. It could be Wednesday, or Thursday or Friday. After several weeks of inconsistent deposits, they did get back on track and arrived in my account each Wednesday afternoon. Today, XX/XX/XXXX, my normal payday, I have not yet received my direct deposit and was just told by a " manager '' of Capital One that IT is aware of the issue and can't do anything. I may receive my deposit by end of business day, or it may be tomorrow. 

Capital One has had nearly a year to detect and resolve this issue, and has failed to do so. It is not right that they are making customers wait more than their allotted pay periods and they are messing with our livelihood. It is not fair that I have to wait more than two weeks to get paid because Capital One has IT issues.