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

In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies states the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 
15 USC 1681 Section 611 ( 2 ) ( a ) states the credit reporting agencies have 5 days to notify me from when they receive my disputes. 
15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are appearing on my credit report that I do not recognize, nor are they mine. Please remove them.
Product: Vehicle loan or lease

In XX/XX/XXXX I was sick with XXXX XXXX for majority of XX/XX/XXXX I was late on one payment to Ally Bank because of it. I called to see if they could remove the ding from my credit they have yet to say why. Just that they are leaving it there. At the time I was XXXX XXXX at a local XXXX XXXX and was only getting paid per XXXX. Any timeframe outside of that was strictly not paid. I was sick for about two months which lead to me not being able to make the payment. I have not been late since headed into XX/XX/XXXX.
Product: Credit card

I am writing to demand the immediate deletion of a closed account from my consumer report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and pertinent provisions under the Code of Federal Regulations ( C.F.R. ). The account in question, associated with your institution, adversely impacts my credit report and fails to accurately reflect my creditworthiness. Under 15 U.S.C. 1681c, the FCRA mandates that information on credit reports must be accurate, complete, and verifiable. Furthermore, 12 C.F.R. 1022.1 enforces the requirement that all reported information must reflect the consumers true credit history. This includes the prompt deletion of any data that does not meet these standards. Moreover, adherence to the Metro 2 format guidelines, which standardize credit reporting practices, requires that accounts closed by consumers be reported accurately to avoid misrepresenting their credit status. The account in question is : Account Number : XXXX Date Opened : XX/XX/year> I demand that this account be immediately removed from my credit report. Additionally, I require confirmation that this account has been deleted from all primary credit reporting agencies, including XXXX, XXXX, and XXXX, as well as any secondary reporting agencies to which you report. Failure to comply with this demand will necessitate further action pursuing legal remedies to enforce compliance with federal regulations. Given the clear mandate of the law, I expect this account to be removed from my credit report without delay. Please confirm receipt of this demand and provide written confirmation of the actions taken to rectify this issue. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX  - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. XXXX XXXX  XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX  XXXX  {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : 1. XXXX v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential XXXX  or drug XXXX  without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
2. XXXX XXXX. Wells Fargo Bank, N.A., 2020 U.S. Dist. XXXX  12345 ( D. Md. 2020 ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
3. XXXX v. Equifax Info. Servs., LLC , 498 Fed . Appx. 260 ( 4th Cir. 2012 ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
4. XXXX v. Experian Info. Sols., Inc. , 753 F. Supp. 2d 452 ( E.D. Pa. 2010 ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( s ) : XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted Berks Credit numerous times to request information for proof that the alleged debt they are reporting on my credit report is/was mine. 

They have failed to provide said proof and continue to report this false information on my credit report. 

They are also ILLEGALLY trying to collect a debt when, according to the State of New Jersey, they are NOT BONDED with them. 

I have also sent letters to The Attorney General 's Office and the Consumer XXXX XXXX XXXX. 

This needs to be removed from my credit report within 30 days or I will be filing a lawsuit. 

It should not take MONTHS of sending lenders to get this resolved.
Product: Student loan

They have been taking double payments out of my account and even if a payment is not due they are drafting one after telling me if it is not due we want draft and the statements say the same thing and now they have promised to repay an over payment and it has been a month and no repayment nor a note of explanation.
Product: Credit card

Here I go with PayPal Credit I ask them three months ago if they could change my due date since I get a XXXX on XXXX to make sure my payment got their on time never did they have my due date on the XXXX mailed my payment on XXXX for the third month my payment can't be found and they have charge a {$30.00} late fee never get a paper bill fromt his company so I have to send a payment in a regular stamped envelope. I am now - {$88.00} behind because of the fees and some kind extra interest they charge me for a XXXX order last year in XXXX using PayPal Credit. I sent them this month {$40.00} but they can't find it! This Company is a Fraud!! My husband has PayPal Credit they are doing him the same way losing payments charging a late fee and also adding Interest from Order done last year.
Product: Credit card or prepaid card

I originally called at the beginning of XXXX to do a settlement plan of {$720.00}, scheduled the XXXX, XXXX, and the XXXX. The first initial call the person on the phone said the first payment went through, but the other two weren't pending yet. She said to call back in a few days to verify everything was ok. I called back and they said it should still go through in a couple of days. Eventually it hit the XXXX of XXXX and neither the second or third payments went through. I called XX/XX/XXXX to inquire, but they said the card was in the process of being charged off so they couldn't touch it. I called again XX/XX/XXXX and the agent said both the second and third payments were cancelled. She said since it wasn't on Capital One 's end they couldn't do anything about it, so the card has to be charged off. I never cancelled the payments but I feel like it was negligence on the first agent/ they were the ones who failed to schedule them correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a paid collection with XXXX XXXX as {$0.00} balance past due, and open. Account not reporting on XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted US Bank fraud department and they said they couldnt find the account and not to worry about it but I need to make sure that is the case. With the fraud that is happening at the XXXX XXXX I suspect this might be part of it.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and i am a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Portfolio recoveries has been calling me non stop for the past year XXXX for debt that is not mine. I verified several times that the address and social security number associated with the debt is not mine. They will not stop harassing me.
Product: Mortgage

In XX/XX/XXXX, Shellpoint Mortgage Servicing sent me a letter asking for proof of hazard insurance on my condo. This was unnecessary since Shellpoint had assumed the mortgage two months earlier and sent me a letter saying I would not need to do or change anything. 

Still, on XX/XX/XXXX, I sent in proof of hazard insurance. A week later, I got another letter asking for the same information. On XXXX/XXXX, I called Shellpoint and the person said I had not provided the dates of the hazard insurance policy. On that same day, I provided that information. 

Despite providing the information that was requested, despite it being unnecessary based on Shellpoint 's prior statements, on XX/XX/XXXX Shellpoint charged my escrow account {$700.00} for hazard insurance on my condo that they had actual knowledge was unnecessary. They had this information for two weeks prior to this fraudulent charge. 

I have spent the past five days, beginning on XX/XX/XXXX, leaving voicemails, chat messages, and emails to Shellpoint but have received no response to get the money back that Shellpoint defrauded me of.
Product: Credit card

I received a card I didnt order I immediately called the bank and reported it never activated card and according to the bank it was not used. I asked them to close it because I never ordered it and remove it from my credit but they wouldnt and argued with me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX 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

I received an incorrect item through an online purchase using my Citi Card. The customer sent me the incorrect Item. I ordered a XXXX XXXX bag that I paid {$2000.00} for and received a {$40.00} XXXX XXXX. I opened a dispute with citi and provided all the documentation that they requested to have this removed from acct, but will not remove the charge. I showed the what i ordered, what I received.
Product: Credit reporting or other personal consumer reports

I filed a dispute for unauthorized inquirys on my credit profile over 30 days ago and still no response from credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently discovered that fraudulent accounts were opened in my name without my knowledge or authorization, likely due to identity theft. These accounts, reported by XXXX XXXX XXXX XXXX XXXX have been inaccurately added to my credit report. I did not open or authorize these accounts, and I have taken steps to dispute their validity. 

On XX/XX/year>, I reviewed my credit report and noticed the fraudulent accounts with the following details : Creditor Name : XXXXXXXX XXXX XXXX XXXX Account Status : Reported as active and/or delinquent Actions Taken by Me : I contacted the credit bureaus ( XXXX, XXXX, and TransUnion ) to dispute the accounts and requested their removal under the Fair Credit Reporting Act ( FCRA ). 
I submitted documentation to the credit bureaus explaining that the accounts were fraudulent. 
I am in the process of filing an Identity Theft Report with the Federal Trade Commission ( FTC ) to further support my dispute. 
Actions by the Company : The credit bureaus have not resolved my dispute, and the fraudulent accounts remain on my credit report. Despite my attempts to communicate the issue, the companies involved have not provided validation of the accounts or taken corrective action as required under the FCRA. This has negatively impacted my credit score and financial well-being. 

What I Am Requesting : I am requesting the removal of all fraudulent accounts associated with XXXX XXXX XXXX XXXXXXXX from my credit report. Additionally, I am requesting that the companies involved investigate these accounts thoroughly and comply with their obligations under the FCRA to ensure accurate reporting.
Product: Bank account or service

Key Bank absorbed   XXXX   XXXX   XXXX   in  XXXX  of  2016 . At that time I had  XXXX  in my account as I was n't sure how the merger would work out. Apparently there was a mystery charge of  XXXX  to my account ( which I hadn ; t used as I was moving to Ohi o ),  This caused my account to be overdrawn. No notice was sent. When I mentioned this to the bank  officer  at the branch, I was given a run a round and a  XXXX  # to executive customer service. That was a fax number. After several calls I got the right number.  XXXX   XXXX  told me that this charge would be dropped.   I used check and it passed through ( funds were in the account ) but another bounce fee attached. I called the  XXXX   XXXX  again and after another runaround she agreed that the fee would be waived. It never was. As I stopped using the account over this-they continued to assess fees and now they have closed the account and are trying to collect the charges they assessed in error as " money that I owe them ''. Now the last 7 times I have called  XXXX   XXXX  is never in the office or can not come to the phone. Always she is going to call me and she never did. This has been going on since  XXXX   2016 .
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

the inquiries listed on my account are fraudulent and are not mind XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have also contacted the creditors and notified that they were fraudlent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was denied a credit card for XXXX visa signature card. The reasons given were that I do not have a credit history and insufficient balance in deposit. I checked my credit report with Equifax, the agency used to look at my credit. 

The report from Equifax has no information on me, despite two other agency 's having information on me ( XXXX, for example ). When I attempted to file a dispute with the report, I was sent back and forth on the website and was unable to correct anything. 

My name is on my parents line of credit ( XXXX ), which is the same bank that XXXX does their banking. This information was not sent to Equifax.