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

Please take the time to help me get this matter resolved with errors reporting on my credit report. I have tried to get these issues resolved on many different occasions. There is 2 trade-ins reporting ; one has an incorrect late status and the other account does not belong to me. Here are the list of inaccurate items : Incorrect Name Spelling : XXXX, XXXX Incorrect Address : XXXX  XXXX XXXX and wrong street number XXXX XXXX XXXX XXXX is reporting an incorrect late status of 90 and 120 days late in XXXX & XX/XX/2019 The XXXX XXXX account is not my account ; it is showing chargeoff and I have never opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from XXXX. The credit report showed credit inquiries that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please remove this inquires listed below from my account : * Capital One -- XXXX XXXX * Capital One -- XX/XX/ I, also, received a letter stating that I applied for a XXXX on XX/XX/. I checked my credit and it shows that I have an inquiry on my XXXX report. Please remove the follow inquiry from my XXXX credit report : * Capital One -- XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$3500.00} This is a formal complaint against XXXX  , XXXX  , and TransUnion . They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

I have also disputed this account directly with the furnishers - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, they keep sending me the same letter response every time. They can not provide any legitimate proof that this debt is indeed accurate and correct as they claim and as it shows in my credit report.
Product: Credit reporting or other personal consumer reports

I have multiple inquires i did not recognize him my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I called all bureaus to get these off and they told me i have to verify i did not open them. None of these inquires are connected to none of my accounts on file. 15 usc 1681 right to fair credit reporting
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE : Dispute of Reporting and Cease and Desist RequesXXXX XXXXAccount Number : XXXX Dear Sir/Madam, I am writing to formally dispute the reporting of the above-referenced account on my credit file. I do not have any recollection of this account, and it appears that it is past the statute of limitations for collection in both Wisconsin and Tennessee.

Moreover, you have not obtained my written consent to furnish my information to any credit reporting agencies, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681s-2, you are prohibited from furnishing information regarding a consumer that you know or should have known was inaccurate.

Additionally, I would like to point out that 15 U.S.C. 1666b prohibits the reporting of unauthorized payments. Since I do not recognize this account, the reporting of late payments is unauthorized and therefore inaccurate.

In light of these violations, I am requesting that you cease all communication regarding this alleged debt. This includes any form of communication with me, as well as any reporting to credit bureaus. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing of their refusal to pay an alleged debt, the debt collector must cease all communication.

I would like to emphasize that the following laws have been violated in your handling of this account : 1. **Fair Credit Reporting Act ( FCRA ) ** - Reporting inaccurate information without consent ( 15 U.S.C . 1681s-2 ).

2. **Fair Debt Collection Practices Act ( FDCPA ) ** - Continuing to communicate regarding a debt without valid consent ( 15 U.S.C . 1692c ( c ) ).

3. **Regulation Z ( Truth in Lending Act ) ** - Prohibition against reporting unauthorized payments ( 15 U.S.C . 1666b ).

I expect your immediate attention to this matter. Should you ignore this request, I will not hesitate to seek legal action to protect my rights as a consumer. 

I would also like a letter of deletion notification sent to XXXX so that I can have proof sent to the other agencies for immediate removal! 

Thank you for your cooperation. 

Sincerely, [ XXXX XXXX XXXX XXXX
Product: Credit card

I pay {$500.00} annually for a Chase Sapphire Reserve credit card. I can't use most of the benefits because I don't live in a big city. 

I agreed to the " free member benefit '' of one year of complimentary XXXX XXXX XXXX I was then automatically charged for another year of XXXX. The same auto-enrollments also happen with XXXX and XXXX XXXX XXXX 

It is difficult enough to cancel memberships I know about. Benefits such as " Complimentary '' annual memberships that automatically become paid memberships are not beneficial ; they are an underhanded way to commit consumers to unwanted membership fees.
Product: Checking or savings account

Truist Bank-location XXXX Al Atm # XXXX XX/XX/year> @ XXXX XXXX I went to atm before work and deposited {$700.00} cash in all {$100.00} bills so that I could pay my bills and go to grocery store to feed my kids. The atm spit back out {$100.00} and then immediately gave a message that stated and I have a picture we apologize but we are unable to return your deposited items at this time. It then printed out a receipt with the error message. It kept my {$600.00} and did not post in my account. Truist will not credit my account and will not give me any resolution and that was all the money I had. I ask for a provisional credit or to just open the atm to see it is over {$600.00} and they wont do anything.
Product: Credit reporting or other personal consumer reports

To whom may concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The FCRA mandates that credit reporting agencies maintain and report accurate, complete, and verifiable information. The discrepancies outlined below violate these standards and have caused harm to my creditworthiness. 

The account in question, referenced as XXXX XXXXXXXX XXXX XXXX, is being reported differently across the three major credit reporting agencies. Below are the inconsistencies I have identified : TransUnion : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : {$7600.00} Payment History : No history reported XXXX : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : {$0.00} Payment History : 61 % payments made on time ; 120 days past due in XXXX and XXXX of XXXX Additional Issue : The account has been charged off more than once, violating the statute of limitations. 
XXXX : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : Not reported Payment History : 40 % payments made on time ; 120 days past due in XXXX and XXXX of XXXX Additional Issue : The account has been charged off more than once, violating the statute of limitations. 
These discrepancies are not only a clear violation of FCRA 1681e ( b ), which requires credit reporting agencies to ensure the accuracy of the information they report, but they also reflect gross negligence in verifying the data provided by the data furnishers. 

Furthermore, the repeated " charge-off '' entries violate the principle that a single debt can not be reported as charged off multiple times, as this unfairly extends the negative impact on my credit file. This action contravenes the statute of limitations under federal and state laws. 

I am demanding an immediate investigation into these inaccuracies, as required under FCRA 1681i ( a ). Please : Conduct a thorough investigation of the discrepancies reported. 
Provide a detailed explanation of the investigation 's outcome. 
Correct or delete the inaccurate information. 
Provide me with a free updated copy of my credit report reflecting the corrections. 
Failure to comply with this request within the legally mandated 30-day period will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal recourse for damages caused by your negligent reporting practices. 

I have attached supporting documentation for your review. Please confirm receipt of this letter and provide an update on your progress within five business days. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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
Product: Mortgage

InXX/XX/XXXX I found out that chase bank paid taxes on my property there was XXXX past due. The reason for that I have had XX/XX/XXXX3 times missed work and was off on XXXX. My house payment had been made every month. My house payment was XXXX dollars They not only pans the XXXX past due they also paid XXXXfor the following year. My house pay went up to XXXX a month. I have not been able to get a list of charges. I paid a lot of money trying to get out of that higher house payment. I have a account at chase bank the only thing I use it for is my house payment. I have a retirement check that goes in there once a month for XXXX dollars. Its been a nightmare dealing with these guys. They would take the money I put in there and put it on the escrow money owed with out paying the My hour payment. There was a mix up with my XX/XX/XXXXmoney it did get put into the account for a few months. I went to mediation chase wouldnt remove any of the charges they also raised the amount owed on my house. They didnt have any information on the charges. All of this has cost me a lot of money. This was covid related I ask him about why he had pay those taxes. He said to protect his interests. There is at least XXXX in equity. I believe his interests were just fine. I believe it was totally wrong what they did they have put a lot of pressure on me and Im still under a XX/XX/XXXX for XX/XX/XXXX. I would like them to refund some of my money. I know chase back received billions from covid relief that was tax payer money it wouldnt have cost them nothing to let it ride for a few months until I catch up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was financed by this co. many years ago then in 2019 I filed Bankruptcy chapter XXXX and I included this company as part of my creditor. Now just got the discharged from the United states bankruptcy court my debt was discharged and fact was this debt with this creditor was included and protected under this law and now I went applied for a finance vehicle loan with this company they stated as denial to finance me in the letter they stated as follows : POOR CREDIT PERFORMANCE WITH US another word as I stated my debt with them already been protected by the US Bankruptcy chapter XXXX law and in order to get a loan with them they want me to pay them there for that is against a law of trying collect debt from me knowing it is protected under bankruptcy chapter XXXX law
Product: Debt collection

I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my account ( s ). I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have filed many FTC reports and Police reports with the bureaus stating the inaccurate information. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. 

*There is 1 account listed that is not mine balance stated as {$530.00} although I never owed this company SOUTHWEST RECOVERY SER XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 dispute letters to each bureau, XXXX, XXXX, TRANSUNION. Both have had very little results and am very confused why these reporting agencies arent honoring my identity theft claims. I have sent each letter with proof of ID ( DL, SSN CARD, Utility Bill and FTC REPORT ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX Credit Compliance standards. I have attached letters with XXXX forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the American Arbitration Association if these errors are not corrected.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 168 1b ( c ) constitute fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated X/X/2011 Monthly payments of {$850.00} were due on the XX/XX/XXXX ( XX/XX/XXXX ) of each month, and considered late on the XX/XX/XXXX ( XX/XX/XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater.
DOCUMENTS INCLUDED : Page one of the Original XXXX XXXX XXXX XX/XX/XXXX - Rental termination letter for XXXX XXXX XX/XX/XXXX - Rental payment/final payment for XXXX XXXX XX/XX/XXXX Rental payment for new residency at XXXX XXXX XX/XX/XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company XXXX XXXX has formally submitted a mortgage condemnation XXXX to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage  company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. https : XXXX! XXXX? XXXX
Product: Credit card or prepaid card

A fraudulent charge was made on my Bank of America credit card on XX/XX/XXXX by the merchant : XXXX XXXX XXXX XXXX in the amount of {$290.00} for work that was never done on my computer on that day. That card was cancelled in XXXX of XXXX and a new one issued which was later cancelled by Bank of America credit card corp. due to the dispute over the charge. The merchant ( XXXX XXXX ) admitted to me to making the charge on my credit card but said it was a 'charge error ' for work he did on another customer 's computer and said he would refund me the charge XXXX {$290.00} ) but never did. He repeatedly lied to me that he would refund the money to me for over a year! I took him to small claims court in XXXX XXXX and got a judgment against him for {$450.00} on XX/XX/XXXX of XXXX ( Case no. XXXX ). He never showed up to court. I also found out when filing the papers with the 'file clerk ' for the small claims court that XXXX XXXX had over {$30000.00} in judgments and claims against him and one was with Bank of America for {$6500.00}! He now has over {$32000.00} in judgments against him, including now a {$6800.00} judgment against him with Bank of America : ( Case no. XXXX ) He never showed up to those trials either. In spite of all this, Bank of America, will not honor the judgment I have against him by removing the charge from my credit report with the various credit reporting agencies : XXXX XXXX, and XXXX XXXX. XXXX did remove the charge from their files. So I am also filing a complaint against XXXX XXXX, and XXXX XXXX in addition to my complaint against Bank of America Credit Card CorpXXXX XXXX XXXX, the company he had used to handle his financial/billing transactions for his computer repair service company told me that he is not allowed to make anymore financial transactions with them and he now has a 'negative balance ' with them and he has admitted to them that he has received 'fraudulent transactions ' from another source! Bank of America Credit Card Corp. said they did a 'thorough review ' twice and still state that it was a legitimate charge made by the merchant ( XXXX XXXX ) on my credit card for work he never did on my computer on that day!! If you have any questions or need additional information please let me know as soon as possible. I am demanding that Bank of America and the various credit reporting agencies remove that charge of {$290.00} and all penalties and interest from my credit report with them immediately! My address is XXXX XXXX XXXX, XXXX, CA. XXXX. Phone number : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

ISSUE= I filed a dispute to contest payment due to the following XXXX XXXX Dispute # XXXX. PH # XXXX dated XX/XX/2020. 
RECAP =I purchased tickets to the XXXX XXXX , the event was cancelled, not postponed or delayed, it was CANCELLED. I have emailed XXXX multiple times to secure a full refund and they will not issue my refund. 
1. See attached email beginning XX/XX/2020 contacting XXXX  with their response 4 times, over a month time frame. Still they have not processed my credit. 
2. See attached confirmation from the XXXX XXXX confirming the event was CANCELLED and they have refunded all monies due for this event. 
3. See attached XXXX  terms & conditions as If a customer purchased tickets to an event that is canceled by the event organizer with no rescheduled date, they may receive a full refund or store credit. XXXX XXXX will provide customers with the option of receiving XXXX XXXX store credit at 120 % of the original order total, instead of a full refund. 
4. See attached article from XXXX XXXX XX/XX/2020 confirming XXXX  stating they are refunding money owed to patrons. 

UPDATED XX/XX/2020 attached email from XXXX   confirming the credit card accepted a credit on my behave, I do not want a credit, I want a full refund per their terms and conditions. Barclays is supposed to protect me from merchants who do not follow thru with the written terms and conditions.