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

On XXXX andXX/XX/XXXXI filed a dispute with Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, I never received and correspondence from them about my dispute
Product: Checking or savings account

Over 40+ transactions for $ XXXX was fraudulently charged against my account over the course of less than 24 hours. I filed them as fraud and the charges were refunded but now USAA is reversing those saying the charges were not fraud with no proof or anything. The charges were all in a 12 hour window, from the other side of the state, and through so many different methods. There is no way you can find these are not fraud. 

Now they are taking money from my checking account and going to leave me unable to pay bills.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme displeasure and frustration regarding the ongoing presence of fraudulent account on my credit report. Despite multiple attempts to rectify this situation, this erroneous entries persist, casting a shadow over my financial reputation. 

The inclusion of this fraudulent account is not only a violation of my consumer rights but also a blatant disregard for the truth. It is inconceivable that such discrepancies continue to XXXX my credit history, causing irreparable damage to my financial standing. 

XXXX XXXX  XXXX XXXX. 

I demand immediate action on your part to remove this fraudulent account from my credit report. Your failure to do so is unacceptable and reflects poorly on your bureau 's credibility and competence. It is imperative that you rectify this matter without delay to restore my faith in your services. 

Furthermore, I expect a written confirmation of the removal of this fraudulent account within the next five business days. Additionally, I require full documentation detailing the steps taken to investigate and address this issue. 

Let me be clear : I will not tolerate any further delays or excuses. If you fail to comply with my demands, I will have no choice but to pursue legal action against your bureau. The consequences of your negligence will be severe, and you will be held accountable for any further damage to my financial well-being.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA XXXX to XXXX a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX to Notify Me of Investigation Results ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( XXXX XXXX. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding two student loans listed on my credit report under the U.S. Department of Education ( U.S. Dept of EDXXXX XXXX XXXX which do not belong to me. These loans, identified with the following balances, were previously disputed and removed from my credit report, but they have reappeared : Loan 1 : Balance of {$2200.00} ( reported on Experian ). 
Loan XXXX : Balance of {$1500.00} ( reported on Experian ). 
Loan : Balance of {$2200.00} ( reported on XXXX ). 
I have no knowledge of these loans and have never taken out student loans with the U.S. Department of Education. I attempted to contact the credit bureaus and loan servicer by mail to dispute these items again, but my letters were returned as undeliverable. These loans are not only inaccurate but are also severely damaging my credit score and limiting my ability to obtain credit.

Actions Taken : I successfully disputed these loans in the past, and they were removed from my credit reports. 
Despite being removed, these loans have reappeared on my Experian and XXXX credit reports, causing further harm to my credit. 
I attempted to send dispute letters to both Experian and XXXX, but my correspondence was returned as undeliverable.
Product: Debt collection

RE : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I reviewed a copy of my credit report and found the following item to be an error. See the attached copy of my credit report. The error has been highlighted. 

Here as follows is the item in error : Collection Agency : XXXX XXXX XXXX XXXX   Original Creditor : XXXX XXXX XXXX ( Business has since been dissolved ) Balance : {$470.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XXXX XXXX ( inaccurate, business dissolved in XX/XX/2014 ) Basis of Dispute E.g., I never had an account with this creditor and I do not owe this debt. Invalid information listed on credit Report - original Creditor name is wrong. I did not sign an agreement to pay for any services with XXXX XXXX XXXX nor did I sign an agreement with the collection agency -Debt Recovery Solutions. I have received no mail regarding me to verify this false debt. This false claim of a debt owned was with another collection agency XXXX XXXX XXXX and was removed for the same false accusations. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. Thank you for your time and help in this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 
Best regards, XXXX XXXX
Product: Vehicle loan or lease

I wrote a check to Wells Fargo Auto and mailed it to pay off a vehicle loan. The check cleared my bank on XX/XX/2020. I noticed that on XX/XX/2020 the vehicle auto payment was memo posted to pay. I called the bank to have them reverse the charge and they reassured me that the debit would not go through. The next day the charge went through. It is Friday XX/XX/XXXX and I have yet to see reimbursement or my lien card. Do they plan on paying interest to me for holding my money hostage? I wonder how many people go through this same thing. Its seems like they could make a lot of money on everyone else 's interest when aggregated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to request that you remove the following unauthorized inquiry from my credit report. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request to Update Credit Report Charge-Off Status** To Whom It May Concern, I am writing to address an urgent issue regarding the reporting of an account on my credit report. The account in question has been **charged off** by the creditor. I am in the process of reporting the canceled debt as income to the IRS. However, I have not received a **Form 1099-C** from the creditor, which is necessary for accurate tax reporting. 

Account Details : Creditor Name : XXXX  Account Number : XXXX Charge-Off Date : XX/XX/2024 - Amount of Debt : {$2400.00} Immediate Action Required : Update Credit Report : - Given that the debt has been canceled, I request that this account be : - Removed from my credit report, or - Updated to reflect that the debt has been settled or canceled. 

Accurate reporting is critical to avoid complications with my credit profile and tax filings. 

2. Lack of Power of Attorney : - The creditor does not have any Power of Attorney to act or report on my behalf. Sole POA belongs to ES RVOC LIVING TRUST. This lack of authorization further complicates the accuracy of the reporting.If this matter is not resolved promptly, I may consider pursuing legal action to enforce my rights and ensure accurate reporting.

Additionally, as a credit reporting agency, you are obligated to comply with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and completeness of information reported. The continued inaccuracy of this account may constitute a violation of these standards.The incorrect reporting has significant personal and financial implications, making it imperative that this issue be addressed immediately.

3. IRS Reporting : - Should this matter not be resolved within **15 days** from the date of this letter, I will proceed with filing **IRS Form 3949-A ( Information Referral ) ** to report non-compliance by the creditor. Please note that the creditors willful neglect to report this account as required by IRS statutes further exacerbates the issue.

4. Legal Implications : - This letter may serve as evidence should legal action be necessary. It demonstrates the reporting agencys awareness of the issue ( inaccurate reporting, Assuming POA, and potential tax implications ). 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The following inquiries need to removed to in order to show my true credit score and history overall under the Fair Reporting Credit Act. section 605B. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be an error : XXXX / XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX  - ACCT # XXXX HIGH BAL : {$420.00} CREDIT BAL : {$1200.00}. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EQUIFAX Reporting Agency OR XXXX XXXX XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EQUIFAX Credit Reporting Agency has caused severe stress and XXXX  due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of unauthorized transactions due to the cust service rep failing to cancel my account after crediting my account for unauthorized transactions. This led to additional unauthorized transactions occurring by whoever had my card. 
I was by assured by capital one that : 1. My credit would be re-reported and updated immediately as " current '' after the account became credited again for the unauthorized balance 2. All of the " PAST DUE '' reporting for the months of XXXX XXXX XXXX XXXX 2018 would be removed from my reports since it was past due as a result of the unauthorized transactions that were causing the balance on the card. 
This did not happen and it is preventing me from obtaining credit. 
This is causing me to suffer Damages and I should not be " HELD LIABLE '' as per Capital One 's own Policy. 
In Fact Capital One is going to be Held Liable for such Damages suffered by me as a result of breach of " zero liability. '' promise. 
Damages will be sought for unless this issue is resolved.
Product: Checking or savings account

I went to KeyBank 's branch to request the closure of my checking account, savings and credit card. I was helped directly at the counter by a teller, he said the accounts were permanently closed, but I didn't get any proof that my accounts with KeyBank were in fact closed. I haven't been given any confirmation or letter, and today, after the facts I still have access to the accounts..
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I received an unauthorized inquiry on my credit report from Navy Federal Credit Union after reviewing this item on my credit report I contacted XXXX credit bureau to inform them of this inaccurate information. They informed me that there was nothing they could do that I would have to contact the Navy Federal Credit Union auto loan and I contacted them and they did nothing but continued to transfer my call to the supervisor and nothing was resolved due to this issue my credit score has decreased even though it was not authorized for my credit to run. Navy Federal Credit Union did not have permission to authorize approval for a loan. I need this inaccurate information removed from my credit report and my credit score to return to my accurate score.

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. 
Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 
Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 
Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage.

Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement. 
Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations. 
It's important to note that obtaining consumer credit reports for unauthorized purposes or without proper authorization is a violation of the FCRA and can result in legal consequences. Consumers have the right to dispute inaccurate or incomplete information on their credit reports under the FCRA, and credit reporting agencies are required to investigate and correct any errors.