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

Sincerely To Whom It May Concern, I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX on my credit report. This matter is negatively affecting my

credit score and, as such, violates the provisions of 15 U.S.C. 1666b, which outlines the timely posting of payments and proper credit reporting obligations. The inaccurate reporting indicates late payments that I believe to be erroneous. I am requesting an immediate investigation and removal of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681i ( a ), I am
entitled to a reinvestigation of disputed information. If the creditor can not provide concrete evidence and documentation proving that I was late, you must remove these inaccuracies from my report.

Attached to this letter, you will find : 1. A copy of my credit report highlighting the disputed items.

2. Supporting documentation confirming my timely payments. 

I demand that you recheck these items with XXXX XXXX XXXX, the reporting creditor. Please remove any unverifiable or inaccurate information. Furthermore, I expect you to complete this reinvestigation and provide me with an updated copy of my credit report reflecting these changes within the legally required 30 days. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates on your progress at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Debt collection

Neither Choice Recovery nor their new name XXXX XXXX XXXX has a license to collect debts in the state of Minnesota. Since they do not have a license to collect a debt, and I live in Minnesota, their collection is illegal. They are aware that I currently live in Minnesota.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. Account Name XXXX XXXX XXXX XXXX. Account Number : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA XXXX On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed. * Please remove all non-account holding inquiries over 30 days old. Thank You, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because, I am a victim of Identity theft, someone has access to my personal information and its ruining my credit by applying accounts that I have no knowledge.
Product: Credit card

Marcus by Goldman Sachs opened a GM reward card in my name with my business address without my permission or knowledge. I only know this happened because I received an account statement for {$0.00} at my office. At no point did I apply for or request any such credit card. I then called to attempt to close the account, but they refused to even look up the account without me providing date of birth and SSN. I was unwilling to provide this sensitive information to a company that had already opened a fraudulent account in my name. They would not at that point do anything to resolve this issue. I offered to provide all of the information on the statement ( name, address and last 4 of the card number ), but they would not accept that information to look up or close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for corrections on a XXXX account I paid in-full as I am working to clear a matter concerning a Chapter XXXX that I have not affirmed. You have this under CFPB case # XXXX. CITI sent me a letter dated XX/XX/2018 saying they are going to refund the money paid by my spouse to pay the account in-full so that they can report the account in a negative status rather than correct the erroneous reporting. CITI wants to pretend they were not aware of the Bankruptcy reporting but they were well aware when the payment was made on XX/XX/2018. CITI in-fact was aware on or before XX/XX/2018 as they accepted a payment from me from my checking account. I called XXXX from my cellphone because I could not make the payment myself online and was informed that they had frozen my account access because of the Chapter XXXX being reported but they said that I could pay over the phone using my account they had on file and so I made a {$50.00} payment which they accepted. Due to the hassle of making that payment I had my spouse pay the account in-full. Now CITI wishes to reverse a payment so they can damage my credit rather than correct the reporting. As I stated I have not entered into a Chapter XXXX plan as fraud has been committed and I am committed to correcting it through the legal system. This account has been paid in-full and now they wish to refuse payment so they can generate negative reporting which damages me further credit wise based on creditor fraud. I have their letter as proof they are reversing a paid in-full account to effect negative reporting on my credit.
Product: Credit card

On XX/XX/2024, I entered into an agreement with Bank of America regarding a past due credit card. I had explained my hardship to the firm multiple times and explained that my intent was always to pay the card and keep the account open. The agreement on XX/XX/2024 was to enter into a reaging program that required me to pay {$290.00} per month for a set period of time. The rep scheduled my account to auto draft every month for the agreed amount. In return my account would remain open and after a set period of time of making consecutive monthly payments, Bank of America would re-age my account and bring it current and waive any additional late fees incurred. 

I recently got a notice from one of my credit monitoring alerts that my Bank of America credit card account was closed.

This was disturbing news as I was under the impression that an agreement has been made with Bank of America and they had done otherwise. 

I called customer service multiple times and tried to explain my case and was told that the another department had made a decision and there was nothing that could be done to re-open the account. 


This is very upsetting as an agreement was made and I was holding up my end of the agreement. At all times throughout my conversation with Bank of America I emphasized that my intent was to keep the account open and pay the account down. My account wasn't even over limit. 

I find Bank of America to be very deceitful and unfair with its collection practice on this account.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The Equifax Credit Bureau is reporting inaccurate information on ( Original Creditor : ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

Commenity bank continues to call my family members and discuss that I owe a debt and tries to collect from them and calling multiple family members more than once
Product: Mortgage

Just this past week I received from Chase another statement, dated XXXX/XXXX/16 if you compare it with the other one dated XXXX/XXXX/16 you will see the difference in not only the amount of their monthly payments, but also Chase stating on one of them I am missing payments since XXXX 2016 and the other since XXXX 2016. The math in the minimum payment is nuts! going from {$420.00} -- also wrong including many errors -- to over {$600.00} -- per month. All of my payments are in there records many times!! they are altering the records to push me into fraudulent foreclosure. Someone needs to do the math on all of their records which contradict their own numbers.. Just see these XXXX attached is one of many samples of Chase Banks altering records. I am amidst investigations and Chase is being aggressive towards committing fraud to push me into the streets to take my home in any manner they can before they are exposed for their crimes, and abuses to me. Chase also refuses to pull me out of this FRAUD foreclosure while these investigations are taking place, including the FHFA, FHFA-OIG and etc ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX, XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX State Employees XXXX XXXX payment
Product: Credit reporting or other personal consumer reports

There are a number of mistakes that re being reflected on my credit report and it has had a very negative affect on my life. The inquiries that are being re ; ported were never verified and I never gave my permission to the bureaus to share my information on these dates with these companies, I am in credibly disappointed that this can happen and need to correct this at once.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and I strongly suspect their legitimacy. I implore you to carry out a thorough investigation and promptly remove them from my credit file. I have submitted supporting evidence for your assessment.
Product: Mortgage

I file a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX I just wanted to let y'all know something i didn't realize till after I submitted my complaint. I apologize for that but really thought cfpb should know. My mortgage company XXXX XXXX sent me a transferred of my loan letter to new owner that now owns my loan on XX/XX/XXXX. But still told me to not send payment to new owner but to continue sending payments to XXXX XXXX. And then on XX/XX/XXXX I got a letter from XXXX XXXX XXXX XXXX XXXX, is a debt collector trying to collect a debt from the previous owner of my mortgage loan XXXX XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will download what I have so you can see what I'm talking about. But it really seems that my mortgage company is sketchy. Something isn't right ever since XXXX XXXX supposedly took over my mortgage loan that I never received transfer of notice from.
Product: Debt collection

XXXX XXXX was discharged in my XXXX XXXX Bankruptcy on XX/XX/2018.
Product: Credit card

I have store credit from Zales, credit company is Comentity. 

They have consistently been sending their bills late. When they do arrive on time, its usually 2 to 3 days right before the due date. In addition, I have been consistently having trouble with making payments over the phone. Glitch after glitch, also the numbers to call is different each time, and on top of that they're threatening to charge me {$9.00} for a convivence fee just to make payment over the phone. Their statement don't even have the full credit card number, but their automated system is asking me for it. 

As a result, I am being unfairly charged over a {$100.00} worth of late fees. I don't know if this is just gross incompetence, or intentional as part of their scam. 

I have already contacted both Comentity 's and Zales ' customer service departments about a week ago. Comentity just blew me off and I haven't heard from them ; Zales ' passed the buck to Comentity.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$720.00} XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes letter to all 3 credit bureaus on XX/XX/2020. I am aware they have 30 days to reply to my disputes it has been well over the 30 days. please help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several false credit inquiries to Transunion. I also called the companies to remove the false information. Transunion continues to break the law by denying my dispute calls and letters. They continue to deny me a fair detailed credit investigation. Which is against the FCRA guide lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal reporting credit act. This creditor has violated my rights. Under 15usc,1681 section 602 states I have the right to privacy, also 15usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b, a creditor can not treat payment on a credit card under an open and consumer credit plan as late for any purpose. The creditor milestone has done this to me.
Product: Credit reporting or other personal consumer reports

I spoke with Equifax on chat on their website on or around XXXX about removing the Remark under an account on my report that states I am " disputing '' I am in fact, NOT disputing it. The agent then told me that they would remove this remark and it would reflect within XXXX hours, and I would also receive a letter in the mail. Neither of these things occurred. 
Pulled credit report and was still there on Equifax only. I called the number and spoke with an agent on XXXX and they assured me that they would have it changed and it would reflect in 24-48 hours and I would receive a letter in the mail. Never occurred. I received a confirmation number for that call, XXXX. 
Check my credit report again on XX/XX/XXXX and once again, Equifax is the only agency reporting that i am disputing this account. 
Called again on XXXX. Agent refused to let me speak to any manager, supervisor or anyone higher up. Once again promised it would be removed within XXXX hours. Confirmation XXXX. Checked report today XX/XX/XXXX, it has not been changed. 
I am trying to get a mortgage. I have XXXX children, XXXX under a year old. I am facing homelessness if I can not get this fixed immediately. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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

I have received a letter from Credence XXXX  XXXX XXXX, a collector company stating that I owed XXXX from an account that was open and credited to my name. This account was fraudulently opened.
Product: Student loan

I took out a student loan back in XXXX in the amount of $ XXXX for XXXX school. I started paying them back but after 3 years I was pregnant, moved, and did n't work for a while. They deferred the loans but eventually they went into default. My loan is currently with XXXX XXXX Texas Guaranteed XXXX XXXX XXXX XXXX and they received the loan XXXX/XXXX/XXXX with a balance of {$16000.00}. As of today, XXXX/XXXX/XXXX ( 23 years later ), my balance is {$18000.00}. Now I could understand this if I had not been making payments. However, I have consistently been making payments and have paid to date on this loan the amount of {$42000.00}!! XXXX keeps adding collection cost even though they never have to call me. I feel that for the amount of money that I have been paid back, that I have satisfied my debt to the federal government which was in the amount of a little over {$17000.00}. I wrote XXXX DC and they wrote me back stating they were investigating my case and then nothing. Every time I called I could n't get anyone on phone. I do n't know where to turn and hope that someone can help, and hopefully that someone is the Consumer Financial Protection Bureau.
Product: Credit card or prepaid card

I had my company Credit card Account # XXXX XX/XX/26 XXXX From BOA. 
My grand daughter was always managing our payments and managing as a book keeper because I am over 70 years. So I wasn't aware of what she was paying. But XXXX day I had noticed that all the fraudulent charges by someone XXXX from XXXX without my authorization. 
I had never authorized these cards to be used and these are all fraudulent charges. 
So please investigate and remove all these charges ASAP.
Product: Credit card

I have submitted a complaint ID XXXX. Following up as I missed their attempt to call, which seems to be a disingenuous attempt to contact me. I called back within XXXX minutes, then for a few days after all within the business day. They direct me straight to a voicemail. I have no interest in getting a phone call then having my time wasted trying to get in contact through their voicemail. I do have interest in them just emailing back to show the numbers they used to apply this interest. I would also like them to state where my money has been applied. They have misapplied a payment to a lower apr account before the higher apr accounts and I have had to pay interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed incorrect information with the Credit Bureau and 1st Franklin several times. The Company continued to report incorrect information. I asked for the Attorney and then they looked into what I had disputed after several months of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to dispute a fraudulent collection account that has been wrongly reported on my XXXX, XXXX, and Equifax credit reports by XXXX  XXXX XXXX. I am deeply concerned about the impact this false information may have on my credit history, financial stability, and overall well-being. 

In XX/XX/2023, I discovered that there was a collection account on my credit reports from XXXX XXXX XXXXXXXX, which I had no knowledge of. I contacted XXXX XXXX XXXXXXXX immediately, and they informed me that the account was opened in my name in XXXX XXXX 

I was taken aback by this information since I have never had any financial dealings with XXXX XXXX XXXXXXXX. I explained this to their representative, but they were unhelpful and insisted that I was responsible for the debt. They also refused to provide me with any supporting documentation. 

Since then, I have been trying to clear my name and remove this fraudulent account from my credit reports. I have filed disputes with all three credit bureaus, but they have all come back stating that the account is valid. This has been an extremely stressful and frustrating experience, and I am at a loss as to what to do next. 

I am confident that I am not responsible for this debt, and I believe that XXXX XXXX XXXX has made an error in reporting it on my credit reports. I have always been responsible with my finances, and I take great pride in maintaining a good credit score. This fraudulent account has negatively impacted my credit score, and I am afraid that it will continue to do so if it is not removed. 

I am appealing to the CFPB to intervene in this matter and help me clear my name. I respectfully request that you investigate this matter thoroughly and order XXXX XXXXXXXX XXXX to remove this fraudulent account from my credit reports. I am happy to provide any additional information or documentation to support my claim. 

Thank you for your time and attention to this matter. 

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

I was stunned this morning when I discovered that my credit report is showing inaccurate accounts, and I can't understand how they got there. I check my report regularly, but this time there were unexpected discrepancies. I even refreshed my browser thinking it could be a mistake, but nothing changedthe errors remained. I am now requesting that the documents I submitted be reviewed carefully, so I dont have to worry about this problem anymore.
Product: Debt collection

As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Rentdebt a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.