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

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

USBK COURT XXXX INDIANA XXXX XXXX XXXX XXXX XXXX, IN XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Rating. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am in disagreement with the account listed below which still appears on my credit report. Even after investigation, I would like this items immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 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 have violated my rights. In accordance with the fair and reporting act public law 91-506 Title VI section 611. Please provide the name and the business address of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

INNVESTIGATE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INVESTIGATE THESE ACCOUNTS 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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXXXXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : CMRE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In 2016 Costco ended its partnership with the XXXX XXXX XXXX Credit Card and started a new partnership with Citibank Credit Card. I have and continue to have the XXXX XXXX XXXX XXXX as my daily credit card. 

Citibank opened up a credit card without my authorization or approval or even knowledge and opened it because I had a Costco/XXXX  XXXX Credit Card. I never charged anything on the Citibank Credit Card and never opened it or gave authorization. 

I then started getting statements from Citibank that I owed annual fees and late fees and interest on these membership fees. When I explained that I never wanted this credit card and never gave authorization to open this card and never charged anything on it, I was continually told by Citibank that it was mandatory that every Costco/XXXX  XXXX Credit Card holder had a Citibank Credit Card opened. 

Citibank never budged when I explained that I never gave authorization to open this credit card and I should not owe fees for membership in a credit card I did not want and did not give authorization. 

Well, 4 years later I went to get a mortgage and on the credit card report it says that Citibank wrote off {$67.00} for me and then gave me a 9 ( the worst ) rating to the credit card agencies as punishment. 

This has damaged my credit card statement and is costly in getting a loan. {$67.00} write off and then a punishing 9 rating for annual fees, interest and {$0.00} charges on a credit card that I never wanted, never used, and certainly never gave Citibank authorization to open a credit card for me. 

This is punishing to me, not only was it a nightmare trying to get rid of a credit card that I never authorized, but now I found out that Citibank was vindictive and damaged my credit card report because of this. 

This does not seem appropriate and I would ask the Consumer Financials Protection Agency to start an investigation into Citibank regarding this abuse. 

Please email me with any questions or concerns Thank you for your help, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


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


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


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


Update the late payments from my consumer reports
Product: Checking or savings account

On XXXX XXXX I went with a family member to Chase Bank as my witness on closing my Chase Checking Account, but Chase Bank Rep.stated that I have a debt of {$2000.00}. 
I notice there is over {$1000.00} on overdraft fees and other fees. 

Respectfully, I like to close my account immediately and If I have authorize charges with purchases from any retails Store, etc., than Chase Bank has to provide me evidence of purchases. 
Also provide evidence of my hand written signatures of purchases that I made at Retails or Shopping places, etc. 
If I owed less than {$1000.00} to Chase Bank than like to have a payment arrangement of around {$50.00} a month until charges is paid. 
I am going through a financial hardship setbacks because of my employment has cut my Daily hours and soon my employment will be terminated as my employer is downsizing on work force. 
I have been employed for my company for over thirty years and now I am facing a loss of employment.
Product: Checking or savings account

In XX/XX/2018 attempted to withdraw {$100.00} from a XXXX XXXX XXXX ATM. It did not dispense the money. XXXX XXXX XXXX referred me to MY bank 5th 3rd who put the {$100.00} back in my DDA only to withdraw it a few weeks later because XXXX XXXX XXXX replied to their inquiry by stating the ATM dispensed the money that day. 

That was a lie and XXXX XXXX XXXX apologized to me after they investigated my claim further upon receiving a CEO Line Complaint from me. They have tried twice to deposit the money back in my 5th 3rd DDA and each time myself or my wife has asked about it - 5th 3rd has been rude, dismissive and uncooperative. 

The latest incident of disparate treatment occurred THU XX/XX/2018 when myself and a XXXX XXXX XXXX employee via a 3 way call desperately tried to explain the situation to a 5th 3rd SUPERVISOR who was rude, arrogant, unhelpful, dismissive, condescending, and she accused myself, a 5th 3rd client for many, many years, of lying. UNACCEPTABLE. 

The Supervisor was given the dates of the two attempts where XXXX XXXX XXXX attempted to credit my DDA and she simply stated " I don't see them '' and that was it. no effort on her part to locate the now {$200.00} XXXX XXXX XXXX has spent trying to give me back the {$100.00} I am due. Outrageous. The dates are XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting

I got divorced in XX/XX/XXXX, my ex wife owns a XX/XX/XXXX XXXX XXXX. According to our divorce decree, she is solely responsible for this vehicle. However, my credit is being ruined when she is making payments late as my name is still on the car note. I should not be held responsible for this vehicle. I have talked to XXXX multiple times about this, and they have even called me several times about the XXXX XXXX car note. My credit should not be effected by my ex wife not paying her car note on time. I need to have my credit restored and no longer ruined by this vehicle.
Product: Checking or savings account

I had some disputes to file for a time in XXXX when I was going through some personal issues at home with family and friends. Doing what I could to help people I was close to recover. Unfortunately, some of them took from me repeatedly. a few of my paychecks and deposits were used without my knowing. I was issued a provisional credit credit, and right before that they closed my account. And all the advisors said they were not sure why. When they issued my credit, they said that they had to wait XXXX days to give it to me. Which does not give me full use of the funds. Really hurts how Im gon na pay my bills now or get my kids the rest of their school clothes, etc
Product: Money transfer, virtual currency, or money service

I am writing 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 impossible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit they system.
Product: Credit card or prepaid card

I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021, due to XXXX I was unable to make that payment. As soon as I was able to, I got my account caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Twenty-seven years ago, I co-signed a credit card application to Bank of America for my daughter when she was XXXX years old. In XX/XX/2018, she suffered a financial crises and could no longer meet minimum payments. Bank of America reported late payment information on my name as well as my daughter 's name without providing me any information regarding the credit card account. I found out about the problem only because I investigated my credit report to determine why my credit rating was falling. I Paid off the balance immediately once my investigation into my credit report identified the problem. Bank of America made no attempt to notify me that the account was past due before sending information damaging my credit rating. I am still living at the same address and have the same phone number as when I co-signed the application 27 years ago. 

I think banks should be required to provide account information to co-signers as soon as an account becomes past due and certainly before reporting information to credit agencies that is damaging to their credit. It is clearly in the banks best interest to continue to receive a 23.9 % interest rate for as long as possible before notifying the co-signer. Perhaps this is why I was never notified and had to dig it out myself from credit reports.
Product: Checking or savings account

Recently while defrosting my credit to apply for loan for a land loan my credit was breached by someone opening a checking account and depositing XXXX in my account XX/XX/XXXX which was done with my address and social security number with PENFED CREDIT UNION. This was not me. 

Thank you for help and assistance to secure and protect me as a consumer.
Product: Prepaid card

On XX/XX/XXXX I went I to a XXXX XXXX bought XXXX vanilla gift cards but they was scratched off. I called vanilla about it they gave me XXXX case numbers. I emailed my receipt and front and back of cards to XXXX they said it be 30 days for cards to come in mail. I put {$500.00} on each card.
Product: Credit card or prepaid card

discover card : sent bill made the payments, discover card : months down the road prints wrong address on bill, still made automatic, payments discover card : raises interest rate bill payments goes up, all notification letters go to wrong address, automatic payments still continuing.

discover card : fees go wild unknown to me. they call after months.

discover card : corrects address suppose to clear up fees.

Discover card every month clears up fees if I call, five months go by and continuation of late fees go on.

Discover card now says nothing more they can do I have to pay them all the extra fees which added up five months worth.
Product: Money transfer, virtual currency, or money service

yes i lost over internet scam inhertance fraud XXXX and XXXX XXXX over amount was {$40000.00} keep telling me a relative of my last name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation. Its been six months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to fair credit act reporting act. The list accounts below has violation my federally protection consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX. 

15 USC 168/c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer of the following other than records of conviction of crimes. Which antendates report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) should not furnish any information relating to consumer to any consumer reporting agency if this person knows or have reasonable causes to believe the information is incorrect.

15 USC 1681 section 604 A Consumer can not furnish account without writting structions.

15 U.S.C section 602 A. states I have rights to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX  babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You.
PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed several unauthorized inquiries on my report. I filed a complaint with XXXX. I want these inquires removed.
Product: Credit card or prepaid card

I had a target credit card which is now in collection. the problem is the amount is wrong and the dates are wrong, plus i need proof of ownership of this debt. i need proof via a written contract signed by me with my signature on it. if you do not have such proof you must delete this account by law.
Product: Credit reporting or other personal consumer reports

I SENT DISPUTES IN SEVERAL WEEKS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VERIFIED. XXXX XXXX XXXXXXXX XXXX, AND XXXX XXXX XXXXL ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG 3 DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ALSO HAVE AN AUTO LOAN WITH ( XXXX XXXX ) SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS INACCURTAE. I HAVE NEVER BEEN LATE ON ANY PAYMENT SINCE HAVING THE LOAN. THE PAYMENTS NEED TO BE UPDATED TO NEVER LATE, OK, ON-TIME IN THE ENTIRE PAYMENT HISTORY.
Product: Credit reporting or other personal consumer reports

I have sent multiple letter to Transunion requesting the information needed as to why they are allowing the creditor ( XXXX XXXX XXXX XXXX ) to furnish two late payments that I have shown proof that the creditor is doing unlawful acts. Its not lawful to post a late payment without providing proof that the creditor sent the consumer ( ME ) a periodic statement along with the disclosures from section 1637 ( b ) 21 days before said due date.

I have attached a letter I have written out to express my frustrations using consumer law facts. My information and everything needed to pull up my credit report will be included in said letter. 

You guys are violating my rights!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an affidavit of truth and facts to Experian. An unrebutted affidavit stands as truth and a claim can be satisfied ( only ) through rebuttal by counter affidavit point by point. I've sent this Affidavit of truth and facts so the CFPB can authenticate sworn testimony from my end.