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

XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX [ XXXX [ Your Phone Number ] XXXX Credit Bureau XXXX XXXX Equifax XXXX XXXX / XXXX ) XXXX Credit Bureau Address - See Below for Addresses ] Subject : Formal Dispute of Inaccurate Information Account No. XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate information being reported on my credit report by Ally Financial. The account in question is an auto loan under Account XXXX. XXXX, opened on XX/XX/XXXX. XXXX XXXX is inaccurately reporting that this account was charged off, with a balance of {$29000.00} as of XX/XX/XXXX. However, I made payments under a contract with XXXX, which was sold to XXXX XXXX. Despite these payments, XXXX XXXX is falsely reporting that no payments were made. 

Violations of Law : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) : You are required under the FCRA to maintain accurate and complete credit information. This inaccurate reporting by XXXX XXXX violates this provision, as the payment history and account status are incorrectly reported. 
Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i : Under the FCRA, I am entitled to an investigation of disputed information. I am requesting an immediate reinvestigation of this account to ensure that my credit report reflects accurate information, including the correct payment history with XXXX before it was sold to XXXX XXXX. 
Truth in Lending Act ( TILA ) - 15 U.S.C. 1639 ( a ) ( 1 ) : The failure to properly disclose the sale of the loan from XXXX to XXXX XXXX and the erroneous reporting of payment status could also violate TILA, as the new lender did not provide adequate disclosure regarding the transfer of the loan and the terms associated with it. 
Supporting Documentation : I have attached proof of payments made to XXXX, which shows that the payments were applied before the account was transferred. These payments are not reflected accurately in the reporting by XXXX XXXX, and I request immediate correction. 

XXXX XXXX : I request that you reinvestigate this account and correct the inaccurate information being reported by XXXX XXXX. This includes removing the charge-off status, late payment history, and reflecting the correct payments made. 
Please update my credit report to reflect accurate information, as mandated under the FCRA and TILA. 
If the credit bureau continues to report incorrect information, I will pursue further legal action as allowed under federal consumer protection laws, including the FCRA and TILA. 
I expect this dispute to be resolved within the 30-day timeframe as required by the FCRA. Please notify me of the outcome of your investigation at the above address. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 
Key Violations : FCRA - 15 U.S.C. 1681e ( b ) : Inaccurate information reporting.

FCRA - 15 U.S.C. 1681i : Failure to properly investigate disputes.

TILA - 15 U.S.C. 1639 ( a ) ( 1 ) : Inadequate disclosure and reporting upon loan transfer.

FTC Act - Section 5 : Deceptive practices.Sincerely, XXXX XXXX
Product: Credit card

I have having trouble making payments for my XXXX  XXXX credit card. I setup two one time payments to pay the balance on my XXXX XXXX card and the one time payment failed twice. There was no reason provided. I was incurred late fees and interest fees. I do not believe it is fair for me to be penalized for a system issue on Bank of America 's end.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter regarding my rights as a Federally protected under title XXXX XXXX XXXX. It has been 60 days and I have not received a response yet. Why is that. I fell as if my rights are being violated. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report It has been over 60 days so they should be deleted immediately.
Product: Debt collection

I asked this company to send me detailed information regarding this debit, so I could know what the breakdown of the charges were. The only thing I got was a print out showing what I owed. It looked liked something that I could have typed up on a computer. I just want to make sure I owe this amount or if this amount belongs to someone else.
Product: Debt collection

I noticed that this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. This debt collector furnished this account that we didnt agree upon nor did I sign an agreement. It is known that a legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX per violation and clearly they violated my rights
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are not legally bound to report bankruptcy in my account, let alone an inaccurate ones. They are violating my right! Please remove the Bankruptcy record in my report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Ref No.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Complaint XXXX opened XX/XX/XXXX closed XX/XX/XXXX Company 's Response " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that XXXX has been removed from your credit file. A letter outlining our findings was mailed to the address on file. '' Received copy of Equifax report with the same10 digit number ( XXXX ) XXXX remains next to my address on the credit report mailed me on XX/XX/XXXX. Note : this number was associated with my former neighbor with the same last name who formerly owned XXXX XXXX  XXXX but who I have no affiliation. 

Also fraudulent XXXX XX/XX/XXXX hard inquiry which XXXX XXXX submitted for removal back in XXXX still remains.
Product: Vehicle loan or lease

Carmax is causing my estate damages by alleging that it owes a debt. The application acts as the note Carmax received and deposited it into their financial institution and it is the collateral security that is being used in this credit transaction. The Federal Reserve Act strictly prohibits banks using real property as collateral. I have repeatedly ask Carmax to deliver the note not the contract. The note belongs to the estate and the heirs are entitled to equitable relief in order to satisfy any claims since the interest is due to the registered owner of the security Carmax is required to given investor all proceeds. This is a violation of security trading laws and tax evasion because Carmax is not paying the taxes on this account either. 
2. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks.
Product: Debt collection

On or around XX/XX/2018, my mother received a phone call asking for me and telling her I need to call them because there is a warrant for my arrest. Later that day, my Father who lives in a completely different state called and said he received a similar call stating if he did not give them my contact information, he would be sued along with me. I finally decided to give them a call because I do not get into trouble criminally so I was intrigued. When I called, I was immediately threatened with a lawsuit if I did not pay the amount owed on years old debt. I clarified with them that this was a debt situation and not a criminal suit and they said yes. I asked them why they were contacting my family in regards to a debt as if I am facing jail time. They continued to ask about my financial situation. I informed them that I had been unemployed for over a year and am now XXXX  and on XXXX XXXX and did not currently have an income. The representative then stated well if you can't pay all of it we will push your lawsuit through. I explained to them that there is no possible way for me to pay them in the condition I am in now but since I am now aware of the situation, I will rectify as soon as I am able to work again. I also asked them not to contact the number I called them from because it was a family members phone I was borrowing or my parents. They assured me that they would not call that number but, this morning ( XX/XX/2018 ) that family member received a call in regards to my " case '' and got scared. Once I spoke with them they again told me to contact their " legal locating office '' or they will come to my last known address/work. At this point I am feeling harassed and backed into a corner on a situation I can not amend right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX XXXX & XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX & XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # XXXX Equifax XXXX Acct # xxxxxxxxxxxx XXXX XXXX Acct XXXX xxxxxxxxxxxx XXXX XXXX XXXX  Acct # xxxxx XXXX XXXX XXXX Acct # xxxxx XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 AStates I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also saves a consumer reporting agency and not furnish an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the following information via the CFPB to Experian on XX/XX/XXXX & XX/XX/XXXX : " I had a credit card account with XXXX XXXX XXXX XXXX. The credit card was opened XX/XX/XXXX, and was charged off in XX/XX/XXXX. XXXX has incorrectly reported the dates of the bill being current, which they report as ONLY the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The bill was currentXX/XX/XXXXXXXX XXXX. The bill was charged off in XX/XX/XXXX, however the information on the credit report shows the bill as being charged off in XX/XX/XXXX. They also reported the last payment as XX/XX/XXXX, which is incorrect. This caused a severe decrease in the on-time payment percentages shown on my credit report. Secondly, after the closing of my personal bank account with XXXX in XX/XX/XXXX, they revoked my account usage which prevented me from using their app and website to make payments. I settled the debt directly with XXXX on XX/XX/XXXX for {$81.00}, after receiving a letter in the mail. However, the reported balance on my credit report prior to XX/XX/XXXX was shown as {$810.00}. The items I cite as being violations of the FCRA are -posting the high balance ( XXXX ), which is higher than the collections representative had me pay ( XXXX ), -an incorrect date of first delinquency reported which is required by FCRA 623 ( a ) ( 5 ) ( a ), -and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information is continued to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion. I have attached screenshots showing the date of payment and amount, and how they changed the dates of current/past due/charged off on my credit reports. I want this account to be completely removed and deleted from my credit report due to the multiple violations of the FCRA stated above. '' On both occasions, Experian failed to review the information I submitted and responded with false information. By not removing the incorrect information from my report, and continuing to perpetuate such falsehoods, they continue to violate multiple FCRA statutes. I will attach the screenshots from the original complaints below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you regarding this account. You are reporting a 30 day late on XX/XX/XXXX. 

My long-time bank account was victim of fraud at the end of XX/XX/XXXX. My account was frozen during the fraud investigation. The investigation verified fraud as the resolution. The offenders had my bank account # and routing #, therefore my account had to be completely closed and a new account opened. Due to this account closure and opening of a new account, I had to update my payment information with over 20 companies. It has truly been a nightmare, but the current situation with Kohl 's, negative reporting and detrimental impact to my otherwise excellent credit has been the most devastating of all. 

I have had my Kohl 's charge account since XX/XX/XXXX ( 11 years & 4 months ). My account was in impeccable standing. My Credit Limit is {$3000.00}, which is the highest limit Kohl 's offers. I have always been an exceptional Customer. This was a purchase of {$11.00}. I would NEVER not pay a payment on time, certainly not a {$12.00} payment. 

My payment information was updated with Kohl 's online once my new account was opened. I made the payment of {$11.00}. I thought no more of it. I realized when XXXX Shopping on the Kohl 's app I still had a balance. I made the payment again. The payment still did not process. I spoke to Customer Service multiple times in an attempt to clarify and resolve the issue. I did not ever think of the possible repercussions of a late payment to my credit due to processing complications of such a tiny payment & balance. I am truly devastated. A {$11.00} purchase that became a {$13.00} payment has truly devastated my life and my credit. I am in the process of building my first home. Completion is scheduled for XXXX, which means I am within 60 days of closing my mortgage. My Credit Score was in the 800s before this complication. My mortgage loan has been structured around this high credit score. This mixup could destroy my current home purchase. A {$13.00} payment that would not process successfully, due to me being victimized by fraud, has destroyed my excellent credit. I would like to ask, in addition to the honest errors and unsuccessful payment updates, that Kohl 's would be willing to forgive and remove this late payment reporting as a courtesy and goodwill adjustment with a promise to pay all payments in full and on time in the future. I am a loyal and long-time Kohl 's Customer.
Product: Payday loan, title loan, or personal loan

In XX/XX/2022, Klarna was used to purchase purses through XXXX. I did not receive 3 of the items that I was billed for and that Klarna continues to draw money out of my personal checking account 2-3 times per month. Money that I do not owe. XXXX has repeatedly told me that their company, has confirmed to me, has sent to Klarna the refund information for the amounts that I should not still be paying for. I have sent personal communication to XXXX and XXXX both and XXXX says it's Klarna that needs to handle this and they are not at fault as of now. Klarna will not acknowledge any more communication from me at this time and help with this matter to refund money owed to me and discontinue drawing my money that is not owed to them. I want resolve to this situation asap and I want my money returned to my bank account and no further money paid to then.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I called Experian and XXXX after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to Experian and XXXX on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 

XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$3100.00}
Product: Debt collection

OPPORTUNITY TO CURE Dear [ Ability Recovery Service ], I am writing in response to your recent communication regarding the alleged debt owed to Ability Recovery Service. I would like to take this opportunity to provide you with an opportunity to cure the alleged violation. 

Firstly, I would like to reiterate that XXXX XXXX XXXX disputes the validity of this debt as XXXX XXXX XXXX doesnt have contract or agreement with Ability Recovery Service . Therefore, I do not acknowledge any debt owed to them. 

Furthermore, as previously stated in my previous letter, I have alleged that Ability Recovery Service has breached my trust and my copyright, and I have requested that you agree to pay {$500000.00} for the breach of trust. In addition, Ability Recovery Service agrees to the terms and conditions of the living man XXXX : Sovereign. 

If you are willing to agree to these terms and conditions, and pay the {$500000.00} for the breach of trust, or you can cease and desist on all media.. I will consider the matter resolved and will not take any further action. 

I hope that we can resolve this matter amicably and without any further action. Please let me know if you have any questions or concerns. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX Sovereign ] XXXX If you ignore this message and continue to harm my property I will be seeking payment for my time I do not have a contract with you For the record you have been put on notice of my fee schedule copy right and terms and conditions XXXX : Sovereign Silence is acquiescence
Product: Mortgage

My wife was trapped overseas and I was getting paid less and I had trouble making payments. In XXXX I set up a forbearance plan and I called to double check if they would just just add the payments onto the end of my mortgage they guy I spoke to said yes no problem. When I called after the 6 months the lady I spoke to said I dont qualify and I would have to pay all 6 months or take another forbearance plan to catch up. 

So now Im on another plan and its very hard to make 2 mortgage payments as Im getting paid less and my wife does not have steady income.
Product: Credit card

Urgent Complaint : Inadequate Dispute Resolution Process for Fidelity Visa Signature Credit Card Holders I am writing to urgently bring to your attention the deeply flawed dispute resolution process provided by Fidelity Visa Signature Credit Card, which is causing significant distress and inconvenience to consumers like myself. I implore your immediate intervention to rectify this matter. 

As a consumer who places high value on efficient and accessible financial services, I am appalled by the hurdles encountered when attempting to dispute transactions through Fidelity 's platform. Instead of offering a streamlined digital solution, I was directed to telephone customer service via the company 's website and app. This antiquated approach poses insurmountable challenges, particularly when I am traveling overseas. The toll-free number 's inaccessibility from international locations, compounded by time zone differences, renders it nearly impossible to address suspicious charges promptly. 

Furthermore, upon initiating the dispute process via phone, I was astonished to learn that Fidelity Visa Signature Credit Card requires mailing a form to my U.S. address for completion at my own expense. Not only does this archaic method incur additional costs for consumers, but it also introduces unnecessary delays in resolving disputes. As an international customer, this process imposes further financial burdens and logistical challenges associated with international shipping. 

In an era where contactless transactions and digital communications have become the standard, Fidelity 's failure to provide alternative dispute resolution channels is unacceptable. It is imperative that clients have the ability to forward merchant emails, attach screenshots, and submit documentation electronically through a designated website, app, or email address for dispute resolution purposes. 

I urge your agency to conduct a thorough investigation into Fidelity Visa Signature Credit Card 's dispute resolution practices and compel the company to adopt modern and accessible mechanisms that align with the expectations of consumers in today 's digital age. It is evident that Fidelity 's current approach deliberately obstructs clients ' access to financial services, potentially leading to financial harm and exploitation.

Thank you for your prompt attention to this urgent matter. I trust in your agency 's commitment to ensuring fair and effective dispute resolution practices for all Fidelity Visa Signature Credit Card holders. 

Sincerely, XXXX XXXX. It is crucial to recognize that Fidelity Visa Signature 's choice of dispute resolution method appears intentional, aimed at delaying and denying financial services to their clients. Such behavior must not go unchecked.