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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX, A XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX A XXXX XXXX. XXXX A XXXX XXXX. XXXX A XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX A XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - Incorrect Address ( es ) : * XXXX XXXX  XXXX, FL XXXX * XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - Correct Social Security Number : XXXX - **Correct Address** : XXXX XXXX XXXX XXXX APT XXXX, XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary.

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accordance with the Fair Credit Reporting act XXXX  Account # 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received an auto loan from XXXX XXXX XXXX. Throughout the lifetime of the loan, I experienced numerous inaccuracies reported by XXXX XXXX on my credit report. Some of the inaccuracies were corrected after having to jump through hoops with XXXX XXXX XXXX, yet additional inaccuracies continued to show up on my reports. Currently, I am in the process of purchasing a house and am reviewing the negative accounts on my credit reports and XXXX XXXX is one of them. After looking into the payment history, I realized that XXXX XXXX has multiple 30, 60, 90 day late payments on my account, including listing the account as late when closed ( which is impossible if the account was paid in full ). There was only one time that I was late on my loan with XXXX XXXX and that was in XX/XX/XXXX. I have tried to call XXXX directly to correct the errors and their customer service team has refused to acknowledge that I ever had an account with them.
Product: Debt collection

I am submitting this dispute letter under the Fair Credit Reporting Act ( FCRA ), adhering to the CFPB guidelines. Please note that I will not include personal information, such as my name, account number, address, Social Security number, etc. However, I understand that I may be asked to provide some of this information later to help the company identify me and my account. 

I am disputing the inaccurate and fraudulent information being reported on my credit report by the company named XXXXXXXX XXXX XXXX XXXX XXXX  Specifically, the account number XXXX was reported as a collection account on XX/XX/year>. I have never had a late payment, nor do I have any business relationship with this company. 

I requested that XXXXXXXX XXXX XXXX XXXX XXXX provide the purchase agreement and any other relevant documents proving full ownership of the account. After failing to furnish proof of the alleged debt, the account was removed from my credit report. However, it has been reopened under another collection agency named ONLINE COLLECTIONS G., with which I have no account or purchase agreement and to whom I have given no permission to report any debt on my behalf. 

As a XXXXXXXX XXXX living in New Jersey my entire life, I have never resided in New York, where this debt allegedly originated. This fraudulent and inaccurate reporting has caused significant distress and harm to my credit standing. I urge the CFPB to have this erroneous information removed from my credit report as soon as possible.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), particularly 1681i, I have the right to dispute inaccurate information, and the reporting agency has the obligation to investigate and correct or remove any unverifiable information. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), particularly 1692g, I am requesting that the collection agency provide me with a valid proof of the purchase agreement and any supporting documentation that demonstrates their right to collect on this debt.

Failure to provide the requested proof constitutes a violation of my rights under the aforementioned laws, and I demand that this matter be rectified immediately to avoid further legal action. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This is my first endeavors 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, remove the noteworthy of any information in my credit record that came about due to an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX 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 or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX  XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX  " confirmed '' with XXXX XXXX and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data. I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.
Product: Credit card or prepaid card

On XX/XX/23 I applied for the Citi/AAdvantage Platinum Select card directly from the XXXXXXXX XXXX website . I was in the process of purchasing flights and it showed that I could pay today and get a statement credit if I purchased the flights with the card when I was in the checkout window. I applied for the card directly from the checkout page where the message was located and received a message that it was pending review. I called XXXX XXXX to ask about purchasing the flights with the card that day because I wanted to purchase them right away and they said I would have to wait until I received the physical card in the mail to purchase the flights. I felt this was deceptive because I would not have applied for the card that day unless I was receiving flight credit for the flights I was purchasing. Also, when I received the card, there was no information about how to earn the XXXX reward miles or the {$250.00} statement credit that was advertised in the material that was sent to me with the card. I did locate a not-so-easy-to-find link when I created an account online for the card about getting the miles ( it showed how much money I have to spend to earn the miles when I clicked on it but I would not have gotten this information if I had not signed up for their online account services ) and I have yet to find any info about the {$250.00} flight credit, so Im not even sure if they will honor that if I purchase another flight. I have signed up for other airline credit cards before and received everything in writing in the packet I received in the mail with the card so I knew what the promotions were and had it in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

As Yamaha Motor Finance mentioned in In CFPB Complaint ID XXXX CFPB Complaint ID XXXX. 

Yamaha Motor Finance stated the account is 599 days past due with a balance of {$13000.00}. 

This is in fact a violation of 12 CFR 1026.13 ( 2 ) - Billing error resolution. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 

As it evident, Yamaha Motor Finance is currently furnishing such amount of {$13000.00} past due is a violation of Federal Law. 

Reporting delinquencys, collections/charge offs is NOT a requirement as Yamaha Motor Finance consistently mentioning is required to report accurate and complete intormation to the credit bureaus under what lawful authority is stated to furnish charge off and collections? Because I just pursuant Yamaha to the law where it clearly says you should not furnish such. 

The only way I see to resolve this issue is to take Yamaha Motor Finance to Federal Court. 

I refuse to go back and forth and these agents ignorant of the law, and violating my rights, and insulting my intelligence is going to cause the CEO and CFO to be prosecuted all because of their agents is ignorant of the law and consistently fails to comply.
Product: Debt collection

I had monthly membership at XXXX XXXX XXXX for 2-3 years. I had selected the membership that I could end anytime. I was not provided promised services. 5-6 months I was lied to so I wouldn't cancel my membership. I could never use the machines I went for. The company also forced political beliefs on me. When I went to the front desk to complain on the last day of my membership, I was confronted as if I was the person who left a bad XXXX review. I was not. I was then informed I had been lied to last couple of months. They were very disrespectful. I decided to end my membership and never come back. Since then, I got " come back '' e-mails, collection notices for the following month 's fee after my termination that I refused to go for. I wanted the Corp to call me, they never have. I called the collectors and disputed, explained why. I asked not to be harassed again. I was told they were not going to stop and demanded me to pay something I was disputing. I told them we should go to court to resolve it. They have been abusive last 2 month. Even after I demanded them to stop, they often text me. They have called ( left vms sometimes ) 20 times between XX/XX/XXXX-XX/XX/XXXX. It hasn't stopped. I communicated with both the collectors and membership services regarding to their harassment for {$75.00} fee that I should not have been charged. I reminded the Fair Debt Collection Practices Act and breach of contract. I asked for higher management and their registered agent couple of times. At all times, both XXXX XXXX and their collectors ABC have refused to stop harassing me to this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$750.00}, {$4000.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - {$1400.00} UNAUTHORIZED COLLECTION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

on XX/XX/XXXX, my son received a beating at the hands of a bunch of XXXX kids off campus because he wandered into their territory. Hospital stay, concussion, contusions, etc eventually resulted in him having XXXX. I guess this caused him to forget that he needed to change his autopay arrangements with his student loan. So, Sallie Mae came a calling when the account debit failed. I called them proactively in the morning of XX/XX/XXXX and explained that we will be making arrangements, but not to expect a payment until Tuesday XX/XX/XXXX. Almost immediately after hanging up, I proceeded to get multiple robodials calling me about the same situation. 

I used to manage a collections application for XXXX. I know the law. They are not allowed to contact more than one time a day. That is harassment. I explained that to the rep, and she proceeded to try and correct me. I'm like I had an application for 3,000 collection reps in 8 call centers in 3 countries. Don't tell me that it isn't against the law to call multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year i was noticed a company call BULL CITY FINANCIAL SOLUTIONS was on my credit report. I wrote a letter of validation of debt and was sent Certified mail on XX/XX/XXXX and was delivered at BULL CITY FINANCIAL SOLUTIONS on XX/XX/XXXX at XXXX XXXX   Delivered, Front Desk. I will attach letter below. 30 days later the information was taking off on credit report then put back on my credit report on XXXX. I sent proof to XXXX via mail and fax but still has not been taking of my credit report it is now XX/XX/XXXX. BULL CITY FINANCIAL SOLUTIONS has not provided me with original contract and security agreement and according to Fair Debt Collection Practices Act. XXXX have not done anything to resolve this simple task because i have done all the work for them. They have cause emotional stress and time lost when i have been trying to send them the documents for them to take the items off my credit report. I again faxed information to XXXX XX/XX/XXXX we will see if they do not receive the documents again!
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation along with all records of who you spoke with l, their business address, name, and phone number as well as documentation that process the amount was late. If you can not provide me with this information in 15 days I ask you to update the account or paid or never late and send me a copy of my updated credit report. 

XXXX XXXXXXXX 30 days late XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to highlight a concerning discrepancy in my credit report related to inaccurately recorded late payments, which have adversely affected my credit standing. The companies linked to these accounts have acknowledged their faults and committed to rectifying the errors by updating my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that caused erroneous reporting of late payments. 
It is perplexing that, while other credit bureaus have corrected the status of these accounts, your bureau continues to report these late payments. This discrepancy raises concerns about the verification protocols used by your bureau to ensure the accuracy of reported information. 
Dept Of EdXXXX XXXX, Dept Of Ed/XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX, Dept Of EdXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from XXXX XXXX XXXX XXXX has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Capital One has not deposited my payroll deposit into my checking account. We were not informed of a glitch until it was too late for consumers to make different arrangements. I was told when I called customer service that they didn't have an update and that they couldn't release our funds back to our employer who would be able to cut a physical check. I have no food, fuel to put in my vehicle, and now my electric company is going to cut off my electricity by Monday morning. The lack of transparency is alarming but more importantly how can we survive. We are approaching a cold days here in XXXX on Tuesday Morning. I can't be without heat.
Product: Debt collection

I tried several times to dispute a debt they have reported to my credit that I did not make timely payments when I have bank statements showing the dates the payment where made