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

I the consumer XXXX XXXX has highlighted a copy of my consumer report displaying the violation of inaccuracy and incompleted reporting.The dates open are inaccurate/incomplete, Date last reported are inaccurate/incomplete, Date of last payment are inaccurate/incomplete, Payment history are inaccurate/incomplete.Experian is currently reporting inaccurate, incomplete accounts violating the Fair Credit Reporting Act.DEPT ED/XXXX has many account numbers the accounts are DEPT ED/XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX ED/XXXX has NEVER disclosed CLEARLY to I XXXX XXXX the consumer that my personal information was going to be shared with a 3rd party by the name of Experian. This is a form of identity theft and I the consumer XXXX XXXX Never gave permission to DEPT ED/XXXX to share my information to Experian.Violations are listed in this statement 6. As stated in 15 U.S CODE 1681e ( B ) Accuracy of report 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. 
7. As 15 U.S Code 6802 ( b ) Opt out ( 1 ) In general states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

8.As stated in 15 U.S CODE 1681! ( 6 ) B contents ( i ) ( a statement that the reinvestigation is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX Balance : {$690.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; ( XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$690.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Wells Fargo regarding my XXXX credit card incorrect information being reported to the credit bureaus. I had contacted them for the 7th time via phone this afternoon regarding inaccurate balance being reported with the credit bureaus a late fee of {$27.00} that was in accurately charge to my account and which I have never been late on any of the two payments that have only been made since acquiring my XXXX   credit card. I also have made two payments in the months of XXXX and XXXX and which XXXX  Wells Fargo shows payments in XXXX and XXXX which is an accurate report filed. Wells Fargo admitted it was a bank error and would submit a positive report so it may reflect positive changes with my FICO score since losing over 40 points due to the constant and accurate reporting by Wells Fargo regarding my XXXX  credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened XX/XX/XXXX Balance XXXX Account is showing late payments for XX/XX/XXXX and XX/XX/XXXX. The account was never late and the vehicle was totaled on XX/XX/XXXX. Insurance submitted payment to them shortly after and they still marked the account as late payment. Account is current and the next payment is not due until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name XXXX XXXX XXXXXXXX Account XXXX Date of Charge-Off : XX/XX/2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are circumventing the law. The credit bureaus are making it almost impossible for the consumer to access our credit files. I have called dozens of time and the system is virtual run around system leading the consumer down a rabbit hole. It is impossible to access your credit reports by mail. The credit bureaus are forcing the consumer to access an online report that has most of the important information missing. The credit bureaus are engaging in misguiding the consumer by not allowing access to your personal files. Please have someone call the numbers to see that this stuff is illegal
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting a re-investigation of the following item : Account Information : Creditor Name : CCB/MPRCC Description of Inaccuracy : Wrong Balance : The account in question is reflecting different balances on each Bureau, none of which match the actual balance on my account. 
XXXX : amount {$350.00} XXXX : amount {$0.00} XXXX XXXX : {$350.00} closed XX/XX/XXXX Incorrect Dates : The accounts dates of last activity, payment dates and account opening date is being reported inconsistently or inaccurately. 
XXXX : date shown as XX/XX/XXXX XXXX : date shown XX/XX/XXXX XXXX XXXX : date shown XX/XX/XXXX closed XX/XX/XXXX I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C.

1681 ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable re-investigation to determine the accuracy of the disputed information.

I kindly request that you contact the furnished of the information to verify the accuracy of the disputed item. During this re-investigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the re-investigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary.

If, after your re investigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report.

Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a month ago I tried to get preapproved for a loan. The loan officer said Equifax had a block on my account and for me to call them to unblock it. I called them and they said for me to send in or fax my identification to the dispute department at Equifax to unlock my account. I called about a week or so after sending AND faxing it to them and they said they haven't received it but there is no lock on my account because I do not have a file because I have no credit history/not enough credit history. I explained to them how I have had credit with my bank for four and a half years now and a car loan. Someone then told me my social is tied to a different name at Equifax. I tried re faxing my information and they still claim to have not received this information. I have been dealing with this issue for about a month now which has postponed my process of buying a home and it has been extremely stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, State of mi office chi : # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish a account with my written instructions
Product: Credit reporting or other personal consumer reports

I am formally requesting that you include the following Fraudulent Items to be removed from the Credit report. 
XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXXXXXX. XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$820.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$18000.00} - XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$33000.00}
Product: Credit reporting or other personal consumer reports

XXXX  Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Checking or savings account

Multiple fees that they call overdrawn checking fee and overdraft service fee They are charging multiple fees for the same items. They are charging fees even if the account is brought to a positive balance the same business day.
Product: Credit reporting or other personal consumer reports

My credit report was impacted by Equifax date Breach and false information sold and was report to my credit report.
Product: Credit reporting or other personal consumer reports

My student loans used to be handled by a lending company called XXXX but after XXXX XXXX XXXX XXXX XXXX XXXX and qualified for student loan forgiveness they transferred my loan to a company called XXXX. I have XXXX issues now because XXXX is continuing to report my student debt as well as XXXX so it appears I have twice as much student loan debt on my report than I actually do.. also XXXX has XXXX violated by the XXXX XXXX and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but XXXX is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like XXXX to quit reporting and have it removed from my report and I would like a XXXX to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing.

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed.

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX breach and believe some of my accounts were compromised.
Product: Debt collection

Debt collector stated that I opened an account with them that is allegedly still open. They are also in copyright infringement because they use XXXX XXXX and any derivatives of it which has been copyrighted since XXXX of XXXX. According to 15 U.S.C. 1592 ( g ) a debt collector shall provide proof debt validation.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score, XXXX XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I wrote to Comenity Bank about a hard squire on my XXXX report that was inaccurate. I never have anyone permission to pull my credit. On XX/XX/XXXX I wrote XXXX and they advised me to contact Comenity bank I called Comenity bank they advise me to contact XXXX!! This is not good they have me going back and fourth and the matter still isnt resolved.. I spoke with a supervisor from Comenity Bank and he said he doesnt see any info pertaining to this matter. I want this inquiry removed immediately. Im not getting proper assistance thank you
Product: Credit reporting or other personal consumer reports

I certified letters to both the debt collectors and TransUnion requesting that they send me the original statement or ledger with my information so I could verify the account thats been negatively affecting my credit report. I am covered by my employer at 100 % all coinsurances with XXXX  deductibles XXXX copays same medical insurance no lapse 5 years straight. The collection agency stated they bought this from another debt company and they were not able to get anything. They instructed me that TransUnion will remove immediately from my file as soon as update comes I would see the count removed by their request. TransUnion took over 30 days on investigation of this account and NEVER PROVIDED ONE PAPER OR PROOF OF THIS ACCOUNT. I want this moved immediately to protect my rights. I have asked TransUnion for proof 6 times every month. They have provided me with nothing but verified as is after 60 days of investigating. I have medical coverage and provided TransUnion with proof and they are not going by protocol or law
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX XXXX I had some work done on my roof by XXXX XXXX XXXX XXXX XXXX 
On XXXX XXXX XXXX, I wrote and mailed a check from my Navy Federal Credit Union checking account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XXXX XXXX XXXX  I got an email from XXXX XXXX XXXX XXXX XXXX saying that they haven't received my payment. 
I checked online and the check had been cashed/deposited by someone named XXXX XXXX XXXX XXXX XXXX apparently someone who does not work for XXXX XXXX XXXX XXXX XXXX XXXX 
I immediately called Navy Federal Credit Union to see what I can do, and I was told that basically I was screwed. They weren't able to tell me anything about the transaction, only that I was out XXXX, and would need to write another check for the same amount to pay my bill. 
The phone rep told me that because there wasn't a stamp on the back of the check, that they didn't even know which institution my money was wired to.
Product: Credit reporting or other personal consumer reports

My personal information was stolen and included in XXXX data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 filed Chapter XXXX. XXXX XXXX XXXX XXXX for my automobile was reaffirmed. It has been deleted on all 3 repositories as XXXX XXXX reports it " sometimes ''. It has been paid as agreed for 49 or 50 months and is necessary to bring my credit score up to the 700 's. I have included a current payment request with balance due.XX/XX/2017 filed Chapter XXXX. XX/XX/XXXX shows on Experian as Discharged in BK. I have been paying this for around 12 or so years as agreed. I am still paying it. I have included a copy of my online statement with some pay history. Again- another account misrepresented.
Product: Credit card or prepaid card

Ordered software XX/XX/XXXX Scheduled delivery XX/XX/XXXX, not needed too late and refused it. 

I chatted with XXXX many times and left message with 3rd party supplier # XXXX letter rebilled {$29.00} because info not supplied. Whay info? 
I explained dispute in my complaint to cfpb XXXX and XXXX I did not get or take possession of merchandise Please re credit {$29.00} and send me response from XXXX when received. 
Does your policy still stand if not heard from XXXX in 90 days then credit is permanent? 

If I see response, I can then see if security guard signed for package. 
All deliveries must go thru condo security card and then we notified I have not received any notification at all
Product: Checking or savings account

On multiple occasions I had XXXX  money to a recipient and without warning the funds would be sent to a wrong recipient and when I called to complain or see if I could have access to be able to get the money back because there was no warning prior to sending the money that the back had no ability to get the funds back if a mistake was made leaving me completely out of luck and having the replace the money myself
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted requests to all three credit unions ( XXXX, TransUnion, and XXXX and neither was able verify the account, so I requested it be removed within 30 days and it still havent. I have an account from XXXX XXXX XXXX that should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company report me late during XXXX and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX