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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX It XXXX Concern : I, XXXX XXXX XXXX XXXX XXXX am aware of my federal rights as a consumer under the Fair Credit Reporting Act. As per 15 USC 1681b, I am notifying you to remove all tradelines from my credit history immediately. 

Any correspondence excluding a notice of receipt of this letter from you will be documented and sent to the appropriate agencies regarding your violations. Please be advised that if these tradelines are not removed, I will be seeking litigation. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2017 I call USAA Saving Banks and requested to closed my checking account. I was told by a representative that I had pending charges and once they cleared they would send me a check in the mail for the remaining balance. I received the check and later cashed it. A few months later I received a notification that a late payment was reported to the credit bureau. I checked that notice and it was from USAA Saving Banks reporting that I owe them {$10.00}. They have been reporting me late for the last few months on an account that I closed in XX/XX/XXXX and received a refund from. I have enclosed a copy of that check in my dispute.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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

Upon reviewing my credit, transunion is reporting a late payment on XXXX for XXXX XXXX this is reporting inaccurate as I have never been late and am asking transunion to provide documentation. If this can not be provided please update to on-time.
Product: Checking or savings account

I reached out to the credit karma bank company XX/XX/year> because my taxes were due to be deposited into my account that is now closed and they refuse to open it. I spoke to multiple persons and they told me there was nothing they could do. I never received a warning that my account was going to be closed and it went through on my taxes which should of been rejected with that account being closed. Now my taxes are up in the air with no help from them.
Product: Checking or savings account

I am writing to file a formal complaint against XXXX Bank regarding the mishandling of a recent deposit and the unjust treatment I received during my interaction with the bank representatives. The details of the incident are as follows : On XX/XX/XXXX, I deposited a check issued by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$10000.00} for rental assistance into my account at 53rd Bank. Instead of verifying the legitimacy of the check properly, the bank automatically assumed it was altered without any valid reason and locked my account. 

Upon contacting the bank to inquire about the account lock, I was subjected to XXXX profiling during the conversation with the bank representative. The representative 's discriminatory behavior and baseless accusations added to the distress caused by the mishandling of my deposit. 

I believe that 53rd Bank 's actions not only violated banking regulations but also infringed upon my rights as a customer. The bank 's failure to conduct proper verification procedures and the discriminatory treatment I experienced are unacceptable and require immediate attention. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that appropriate measures are taken to rectify the situation. My primary objectives are to have my account unlocked, the deposit verified promptly, and to receive an apology for the unjust treatment I endured.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Equifax 's inaccurate and inconsistent reporting of my credit information. In reviewing my credit report through myEquifax.com and my annual report, I noticed discrepancies that are not reflected in the versions of my report that Equifax sends to third parties, including Credit Karma, banks, MyFICO, and other creditors. Specifically, Equifax is sharing an inaccurate report with these entities that includes accounts previously identified as fraudulent and that should have been removed or hidden due to prior identity theft incidents. Additionally, this report contains accounts that do not belong to me at all. Despite my attempts to resolve this with Equifax, the incorrect information continues to be circulated, adversely affecting my financial standing and creditworthiness. I am requesting CFPB 's assistance in ensuring Equifax corrects this issue, removes all accounts related to ID theft, and aligns the reports they share with creditors with the accurate, updated information in my personal Equifax portal.
Product: Credit reporting or other personal consumer reports

Re : TransUnion Report Number # XXXX XXXX XXXX XXXX XXXX XXXX Acct # Ending XXXX I was not 30 days late in XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( furnisher ) Acct # ending XXXX. 

Since this account was never proven by the furnisher, please delete this late payment for inaccuracy, and update this account as paid/ never late. 

To show cause, please demand the furnisher ( XXXX XXXX XXXX  ) to show their bank statements that can prove that I was late in XX/XX/XXXX. 

Under XXXX XXXX TRANS UNION XXXX ( XXXX ). 

I look forward to your response in advance.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove personal information, address, account name & account Number that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$180.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX NC ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$75.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$920.00} XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Medical XXXX Balance XXXX {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX XXXX : {$220.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX NC ) XXXX XXXX : {$340.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$180.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$190.00}
Product: Debt collection

My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered a collection account on my report allegedly associated with MEDICAL DATA SYSTEMS INC, which they claim to have acquired from XXXX XXXX. 

Firstly, let me express my appreciation for the critical role your agency plays in maintaining the accuracy of consumer credit reports. I understand the complexity of the task at hand and commend your efforts in navigating the intricate landscape of credit reporting. 

Now, let 's dive into the heart of the matter. It has come to my attention that there exists a collection account on my report with MEDICAL DATA SYSTEMS INC. I must vehemently assert that I have never entered into any contractual agreement with MEDICAL DATA SYSTEMS INC, and to the best of my knowledge, no such relationship has ever existed. 

This raises a flag concerning the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( b ), which requires a debt collector to provide validation of the debt and the existence of any agreement. As of now, no such validation has been presented, highlighting a potential violation of the FDCPA.

In addition, I'd like to draw your attention to the relevant legal provisions : Truth in Lending Act ( TILA ) - Section 1026.18 : The alleged debt 's creation and transfer without my knowledge may contravene TILA, which mandates transparent disclosure of credit terms.

Fair Credit Reporting Act ( FCRA ) - Section 1681s-2 ( b ) : The inclusion of inaccurate information on my credit report could be a violation of FCRA, emphasizing the need for accurate reporting.

Fair Debt Collection Practices Act ( FDCPA ) - Section 809 ( b ) : As previously mentioned, the absence of a contractual relationship raises concerns under FDCPA.

Uniform Commercial Code ( UCC ) - Section 3-406 : Unauthorized transactions, as suggested by the absence of a valid contract, may be subject to UCC provisions XXXX 

In light of these legal considerations, I kindly request a comprehensive investigation into this matter. Furthermore, I urge the removal of the fraudulent collection account from my credit report, as it stands in stark contradiction to the legal and ethical standards set forth by the aforementioned Acts. 

I appreciate your attention to this dispute and look forward to a prompt resolution. Your commitment to fairness and accuracy in credit reporting is crucial, and I am confident that your thorough investigation will rectify this discrepancy. 

Thank you for your time and consideration.
Product: Debt collection

on XX/XX/2021 Jefferson capital systems llc put a collection on all three my credit reports for a cell phone bill with XXXX cellular. I want a debt validation letter or I want this account removed from the credit bureaus
Product: Debt collection

A loss was incurred through the occurrence of a minor accident on XXXX which caused the damage of a rea fender of a XXXX XXXX XXXX ( XXXX XXXX  ). As at the time of the accident, the damaged fender was still attached to the rear of the car, and this was the singular damage to the car. At the point of the accident, the car was drivable, and the fender was reasonably intact. I agreed to pay for the repairs, but my overture was severely rebuffed. 
Subsequently, I received a letter from the other parties insurance- XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX making a claim in the total sum of $ XXXX enable a response from an informed point of view, I took the initiative of finding out the cost of a brand new fender and was shocked to know that it costs less than {$200.00}. 
Upon this astounding discovery, I requested for details of the invoice, the body shop telephone number and other details to verify this claim in my response dated XXXX XXXX XXXX, but rather than providing me with all the crucial details, I received a phone call from AFNI ( A Collection Agency ) Subrogation Officer threatening me that I have no right or privilege to ask for these details and informing me that I could lose my driving privileges and that my alleged debt would go on my credit report. 
I disputed this claim and insisted that I needed more details of this expenses to enable me verify. But to my shock, I received another letter dated XXXX, XXXX, increasing the alleged claim from AFNI to the sum of {$2.00}, XXXX, which is contradictory to the first letter from the insurance company. 
Subsequently, I received several phone calls during which several threats were issued by AFNI personnel and a letter stating outrageous estimates, without phone numbers, addresses or invoices of the amount incurred which in effect prevented me from checking the validity of any claim whatsoever. In the same call, they agreed to accept {$2400.00} only if I made the payment over the phone, if not, that they would come after me for {$2900.00}. This is proof that the added {$500.00} is wrongful.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached potentially Negative show XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXX XXXXDispute XXXX/XXXXXXXXDispute XXXX XXXXXXXX
Product: Credit card or prepaid card

Bank of America needs to be audited for fraudulent business practices. I was charged interest for purchases that I should have not have been charged for, which is in violation of my card 's terms and agreements as outlined on my statement as follows : " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. '' Upon contacting Bank of America, the representative stated I was charged interest on XX/XX/XXXX for my purchases on XX/XX/XXXX and XX/XX/XXXX for {$3000.00} and {$13.00}, respectively. This is clearly in violation of the above terms of my credit card. 

My XX/XX/XXXX statement was for {$1200.00}. Between XXXX XXXX XXXX I made {$4400.00} in payments on my account towards the previous and new charges, though the initial {$1200.00} in payments should have been applied towards the {$1200.00} statement balance. However, on XX/XX/XXXX, I was charged {$24.00} in interest for purchases, the breakdown of balances on this statement also shows illegal business practices as Bank of America did not apply my payments towards the highest APR followed by the soonest promotional rate expiring, rather it appears they applied my payments towards the promotional rate expiring the farthest time period away, which is also not ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX 's XXXX XXXX XXXX  holder since XXXX. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding damaging information being reported to my credit report and a reduction of my credit line. 
Admittedly I was late once this year according to XXXX on XX/XX/XXXX in XXXX. 
This year I have lost my sister-in-law to a XXXX XXXX, my mom to XXXX XXXX on XX/XX/XXXX, and 9 members of my family have had XXXX. I currently am in XXXX XXXX for XXXX myself. In all of that I have paid my bills to the best of my ability, more than the minimum amount. The reasons she read over the phone for the reduction were lame and couldn't be explained to my satisfaction. 
She said the amount I was paying was low, but it was always more than the minimum. 
She said the ration of my payments were low compared my credit limit. 
She also said my credit score effected their decision. Never mind I have maintained worthy credit with them and everyone else. It was just the inquiries. 

I explained I felt that what they have done is unjust and unethical. I have had this card since XXXX, with a credit limit of {$5000.00}. I have never owed them more than say {$2000.00}. 

I understand credit worthiness so I always tried to not maximize more than 1/3 of this limit. Recently they say they sent me a letter explaining this on XX/XX/XXXX, although on today, XX/XX/XXXX, XXXX read the letter because I explained on XX/XX/XXXX I hadn't received it. I was told on XX/XX/XXXX, and XX/XX/XXXX, the letter would be resent to me explaining why my credit limit and went from {$5000.00} to {$1200.00}. They ask now for a minimum payment of {$34.00}. 

They are damaging my credit score severely. My score was originally damaged because a mortgage servicing broker took from XXXX of this year to XXXX and checked my credit several times to tell me they couldn't do a " streamline '' refinance. Also unjust but I am dealing with this as well. 

I have asked to have my credit line restored and XXXX told me wait 6 months. A tremendous amount of damage can be done by then I told her. 
Needless to say, it's not restored nor fixed. Whatever you can do to meditate this would be greatly appreciated. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I called Bank Of America customer service in regards to a claimed that was filled. The customer service department argued with me and accused me of being the problem and not the merchant. After I told the lady how unprofessional, judgement, and extremely XXXX. She gets upset and puts me on hold for 20mins. When she comes back, my account and closed and I have no access to my account. I have had several deposits entered into my account. I called Bank Of America several times to receive my funds. Every time I called, you always get some rude and doesnt have any understanding. They never allow you to speak to any form of management. The only options I received was to fill out and application ti see if I qualify to receive my money. Bank Of America needs to be stopped. You cant treat Americans like this regardless of their opinion. I believe the only reason the lady treated me like this was because she was extremely XXXX and couldnt take constructive criticism on her actions.