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

Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : Designed Receivables Acct # XXXX Bal : {$380.00} Designed Receivables Acct # XXXX Bal : {$1700.00} XXXX XXXX XXXX XXXX No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}
Product: Credit reporting or other personal consumer reports

I am formally request for the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the accounts. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I received an email from Capital One stating that I notified Capital One that I needed a replacement card. The email stated that they shut down my current card and issued a new card and sent the new card to a different address than my current address. I NEVER MADE THIS REQUEST! I contacted Capital One and let them know that this was a fraudulent request. They were totally incompetent and could not tell me how something like this could have happened. They also could not tell me where the card was mailed to. After being transferred and kept on hold for a VERY long time, I told Capital One that I am closing my credit card account with them and I want nothing to do with them. 

Yesterday I received a bill in the mail from Capital One for {$16.00} for a " Fast Card Fee ''. I called Capital One again to tell them I had nothing to do with the request for a new card and that I cancelled my credit card account with them. Once again, I was transferred to multiple people, kept on hold for a VERY long time, and was forced to hang up after they could not resolve this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to have been an account opened for Upstart under my name. My identity has been compromised in the XXXX and XXXX security breach as well as others. 

I am not liable for this debt with Upstart and I do not have a contract with them. They have not provided me with the original application like I asked. This should be removed from my credit report account : XXXX. They have no reason to be reporting this on my credit report. Please have them delete this record from all credit agencies. I am a XXXX Combat Veteran of the war in XXXX. I am battling serious health issues and do not need this causing me further duress and injury. I need peace in my life. Please have them resolve this in a compassionate manner.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information that is damaging my consumer report. 

DEPTEDXXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A states : I have a right to privacy.

15 U.S.C 1681 section 604A states : a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I am a new employee of a non-profit and was issued a card through Comdata for my initial paycheck, as the direct deposit process had not been completed by my employer by the end of my first pay period. On Friday, XX/XX/2018, I attempted to withdraw the sum of {$500.00} from the ATM at XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CT using the Comdata card provided to me. Though the ATM printed a receipt for {$500.00}, the funds were never dispensed, and the ATM displayed an error on the screen. Upon speaking to the manager at the XXXX XXXX   branch, I was advised that I needed to contact Comdata to work it out with them. I immediately contacted Comdata and was connected to a customer service representative. I was advised that a complaint would need to be opened and that I would be hearing from someone within a few days. On XX/XX/2018, after not hearing from anyone, I called Comdata again to check on the status of my complaint. I was told that nothing would be resolved for 21 business days, as an investigation needed to be launched. I waited 21 business days and on XX/XX/2018, I contacted Comdata again. I was provided a case number ( # XXXX ) and was told that I had to write to them to get any additional information, which I did. Though I can appreciate that investigations take time, these are payroll funds that are necessary to pay household expenses. I have been more than patient, but I still have no resolution to this matter. I need some assistance to get my payroll funds back to me immediately. Comdata is located at XXXX XXXX XXXX, XXXX, TN XXXX, XXXX.
Product: Credit card or prepaid card

Identity Fraud Home Depot XXXX, TN XX/XX/2022 {$5000.00} My identity was stolen. 
A cc card was issues to someone other than me- identify unknown. 
I have contacted Home Depot. They told me that the SS # was invalid but they still gave the credit. Home Depot case # XXXX. 

I have also filed a XXXX, TN Police report case # XXXX.
Product: Credit card or prepaid card

I am enrolled in autopay for my Barclaycard US credit card. However, Barclay has consistently debited funds from my XXXX XXXX XXXX checking account in excess of what is due. On XX/XX/2021, Barclaycard debited {$5100.00} from my checking account to cover an account balance of {$570.00}. After the transaction posted, my credit card had a balance ( credit owing to me ) of {$4500.00}. 
In the past, Barclay offered me 12 months deferred interest on a computer transaction, but automatically debited the full amount of the purchase in the first month.

I have repeatedly called Barclay about errors in the payments they are automatically withdrawing from my checking account, but nothing has been done to fix this problem. 
To fix this latest incident of overpayment XXXX {$5100.00} ) Barclay offered to send me a check, which could arrive between 10 and 15 days ( case ID XXXX ). However, their offer does not account for financial damages I will suffer for having insufficient funds available to cover other credit card payments and to meet minimum checking account balance requirements that are immediately due. 
The only solution available to me is to incur personal debt to cover Barclaycard 's mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company by the name of DEPT OF EDUCATION/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XXXX and open since XXXX there 21 accounts they are reporting to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor My credit report includes the following erroneous information that needs to be investigated and correct : ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliant is against Chase Account # XXXX, open XX/XX/2016, status closed and paid, {$XXXX} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. Thank you!
Product: Credit card

Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the three major credit bureaus. However, we were later informed that the account needed further correction. 

The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, my husband and I were hospitalized with XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. 

We both discovered that the account was compromised, and we closed it and paid the outstanding amount using linked accounts. It has been a nightmare for us, especially since we are a XXXX military family that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. 

Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. 

Thank you so much for your help. 

Best regards, XXXX and XXXX XXXX From : XXXX XXXX XXXX Discover Financial Services XXXX Sent : Wednesday, XXXX XXXX XXXX XXXX XXXX 
To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) Inquiry Dear XXXX XXXX Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. 



I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. 



If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available XXXXXXXX XXXX XXXX XXXX XXXX XXXX Executive Office of Customer Advocacy Public
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 months that are reported late 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. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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

This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.I am totally distressed that I have negative information noted below in my credit profile due to its damaging effects on my good credit standing.XXXX Account XXXX I never received any late notification on this account. XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Disputing a listing with the Original Creditor There is no doubt I am aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a XXXX which was highly embarrassing and has negatively impacted my lifestyle.XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] With the proof I 'm attaching to this letter, I 'm sure you 'll agree that the inaccurate information is harmful to me and, thus, needs to be removed ASAP.
Product: Checking or savings account

I am writing to provide an update and reiterate my concerns regarding the ongoing issues with fraudulent chargebacks initiated by XXXX XXXX, connected to Bank of America. I appreciate the bank 's decision to reverse XXXX of these chargebacks dated XX/XX/2024. However, I must emphasize that all the chargebacks in question are linked to the same individual and appear to be a coordinated attempt to circumvent the system by spreading out fraudulent claims over time. 

As previously stated, the disputes, involving amounts totaling which reflects the {$990.00} reverse payment is {$7900.00}, pertain to various services rendered and were contested by the client using differing reasons, suggesting a strategic approach to defraud. 

I have attached the contact number for Bank of America, XXXX, extension XXXX, as listed in their correspondence. Unfortunately, this number only reaches a voicemail, and despite multiple attempts calling and requesting a specific time to speak, I have not received a confirmation or been able to connect with a live person from the bank. I have tried contacting the bank directly on several occasions but have not yet achieved a successful resolution. 
Im reinitiating the complaint for Bank of America to review the linked nature of these chargebacks and consider the evidence provided as indicative of a deliberate attempt to defraud and reverse the remaining balance of {$7900.00}. A thorough investigation into these matters will not only address my immediate concerns but also uphold the standards of fairness and diligence that your institution is known for Thank you for addressing this matter urgently.
Product: Debt collection

I get 1 to 2 calls per week from Portfolio Recovery Associates L.L.C. They leave no message. I purchased a new home a few months ago and got a new phone number. My credit rating is above XXXX and I have no outstanding debts. They have called from multiple area codes, XXXX, XXXX, and XXXX. I have returned the calls and only provided them my telephone number and asked to be taken off the call list because I do not owe any debt. All they do is request personal information that I am unwilling to provide. I have asked them to stop calling to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - Equifax stated that there were 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax between mid-XX/XX/XXXXandXX/XX/XXXX.
Upon checking their site onXX/XX/XXXX - my information was shown to be one of those that were compromised.
Equifax wants me to waive all rights and sign up for their XXXX XXXX XXXX which not only will send me spam, but have a limited duration.