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

There are plenty of incidences of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX  XXXX Late Payment {$29000.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$850.00} XXXX XXXX XXXX XXXX Collection {$850.00} XXXX  XXXX XXXX Charge-off {$810.00}
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate this inquiry that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I have tried to contact every XXXX of the company listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? I will once again list the inquiry in need of investigation : XXXX  XXXX Inquiry Date XX/XX/year> XXXX
Product: Debt collection

I know nothing about this debt I may be a victim of identity theft. My information was compromised due to XXXX being Hacked. 
World Finance XXXX won't listen to the facts they keep ignoring my attempts to dispute them. They are breaking the law according to Fair Debt Collection Practices Act,, 15 USC 1692g Sec. 809 ( b ) their claim is disputed and they are not supposed to report inaccurate information. 
XXXX is instrumental in Continuing to Report inaccurate information XXXX XXXX XXXX NON RESPONSE XXXX NON RESPONSE WORLD FINANCE NON RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent two dispute letters to XXXX in reference to inaccurate information. In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 ( A ) states : I have a right to privacy 15 U.S.C 1681 section 607 ( A ) ( B ) Every consumer reporting agency shall maintain reasonable accuracy of report 15 U.S.C 1681 section 611 ( 5 ) ( A ) ; Treatment of inaccurate or unverifiable information
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments on my credit report show as of XX/XX/2020 and XX/XX/2020 for account number XXXX. There is no way this is accurate. I have tried to get this fixed so many times and Caliber loans refuse to fix it. The CARES Act was passed by Congress during COVID so I am not sure how I was even reported late. Please fix this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A student Loan from a company called XXXX appeared on my credit report. This does not belong to me and i don't have any association with that company.
Product: Credit reporting or other personal consumer reports

XXXX shows on my most recent credit report that the oldest date of delinquency is XXXX, which affects my rights as a consumer to have 7 year old debts deleted from my credit report/not reporting. There is still incorrect data being reported on my credit report that is especially hurtful while I am in the process of moving and my credit report is being checked. I know that the date of first delinquency was in XXXX not XXXX as well as it states in the credit report screenshots. XXXX and the credit bureaus keep trying to push the date of first delinquency. For example, the date shown on XXXX for earliest delinquency is in XXXX, a time where the card was already charged off since XXXX. This does not add up.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding XXXX XXXX  handling of my account and the inaccurate reporting by the credit bureaus XXXX, Equifax, and XXXX. The issues I am experiencing with XXXX XXXX  are causing significant and undue harm to my credit and personal well-being, and I respectfully request the CFPB 's assistance in resolving this matter. 

Account Details : Issuer : XXXX XXXX  Account Number : XXXX Reported Amount : {$2900.00} Date Reported : XX/XX/XXXX Account Status : Closed/Charged Off ( 11/2023 ) Key Issues : 1. Inaccurate Reporting of Account Status : Despite the account being marked as Charged Off since XX/XX/XXXX, XXXX, Equifax, and XXXX continue to report it as derogatory. This is misleading as XXXX XXXX  has been informed of the circumstances around the charges on this account.

2. Theft and Disputed Charges : My vehicle and credit cards, including my XXXX XXXX, were stolen in XXXX, Missouri. Following this theft, unauthorized charges were made on my XXXX account. I reported this to XXXX XXXX, yet they have refused to acknowledge the theft and disputed charges. 


3. Mixed Communication from XXXX XXXX  : XXXX recently indicated they are considering issuing a 1099-C form to potentially forgive the debt. However, they have also stated that they still intend to pursue legal action against me for this disputed debt, which has left me confused and without clear direction.

4. Request for Accurate Credit Reporting : I am asking for CFPB intervention to ensure XXXX, Equifax, and XXXX remove the derogatory status from my credit reports. The charges were disputed and resulted from theft, which XXXX XXXX  has refused to appropriately address or resolve.
Product: Credit reporting or other personal consumer reports

Credit reports shows an account ending in XXXX from XXXX XXXX Account is not mine. I called well XXXX and they looked up my account amusing my social security number. The lady, XXXX, indicated there is no account under that social with XXXX XXXX XXXXXXXX. Which I knew I never opened an account with XXXX XXXX. She states a customer advocate from XXXX XXXXXXXX would call me. I believe XXXX  XXXX opened this account without my knowdledge and later closed it and its still reporting on my credit reports. XXXX XXXXXXXX has a long history of opening up accounts without peoples knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 BANKRUPTCY # 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: Debt collection

XXXX XXXX XXXX is attempting to collect a {$710.00} debt that is not mine. I have tried contacting them at the end of last year about this and it still has not been removed from my credit report. I've included proof from my identity XXXX latest credit consumer report that includes every single Capital One card on my Consumer Report there are four of them. There is not one Capital One on my Consumer Report that is remotely near or resembles the debt of {$710.00} and the time frame that they said it was opened on my Consumer Report. I have four Capital One listings on my Consumer Report two are open and in good standing, and two are closed one with a past due amount of {$110.00} and the other with a past due amount of {$430.00} that was just closed 2024. The other two Capital One accounts are still open so it couldn't be the one that they are claiming has been sent to collections it would have to be one of the other two and if you can see by the examples that I have sent it is neither of those those, there is no other Capital One charge off or listing that coincides with this debt collector 's false charge.
Product: Checking or savings account

Chase fraud impersonator called from a chase phone number and told me I had a {$260.00} charge in TX that was suspicious, did I authorize it? No I said. He said well this {$2000.00} charge did you authorize that? We will have to refund it on chase 's app zelle. 
I called the police and Chase. XXXX said Chase is the one to call. Chase said call the cops ( Which we did ) and said they aren't paying. 

Chase makes the apps to drain your account using your phone number to do so. Without a pin required! 

They cant leave doors open to your account and then claim its not their problem when a client ( over 10 years ) gets robbed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On XXXX  I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all
Product: Credit reporting or other personal consumer reports

False information about my credit score, false information about my background check Unauthorized transactions from my card paying monthly bill to keep up with credit report
Product: Credit card or prepaid card

On XX/XX/22, I received a call from Citibank asking if I used my credit card at XXXX XXXX for {$1500.00} and XXXX as well as XXXX for {$15.00}. I immediately told them that I was at home and no I did not use the card as well as I am not a member of XXXX. They asked me if I had the card. I checked and found it put away in my house. I explained at that time that the card was expiring and I had received an email from Citibank stating that I should already have or soon would be receiving the updated expiration card. I never received the new card. Ive explained to Citibank on several occasions that I never received the card. Nonetheless they said I was responsible for the purchases because an actual card was used. I have made police reports to XXXX XXXX, MD and XXXX XXXX XXXX, MD police. I wrote a letter back to Citibank Security Services explaining once again that I did not buy those items from XXXX  and XXXX I offered to do whatever is necessary to prove that to them including taking a lie detector test. I told them where I was on XX/XX/22. I implored them to take a look at the issue again and see that for several years Ive only had one recurring charge on this card that has always been paid in total monthly. Im being inundated with phone calls, texts and emails asking for payment and Citibank has put it on my credit that I have an overdue bill. My credit score that was always in the 800s is now down XXXX points. I pay my bills in full every month and have my whole life. I would never refuse to pay for any item I actually bought. I did not purchase anything from XXXX  or XXXX. Citibank Security is not responding back to me. Around this same time, someone else tried to open an account at XXXX XXXX XXXX XXXX in my name. It was found to be fraudulent.
Product: Credit card

Subject : Formal Dispute of High Interest Rate and Predatory Practices I am writing to formally dispute the excessive interest rate applied to my XXXX Goldman Sachs credit card account. I believe this rate is not only unreasonably high but also indicative of predatory lending practices that may violate consumer protection laws, such as the Credit CARD Act of 2009 and the Truth in Lending Act ( 15 U.S.C. 1601 ). 

Despite my consistent on-time payments and responsible account management, I am subject to an interest rate of over 20 %. This practice appears to unfairly burden loyal and responsible customers. The lack of transparency and fairness in this rate conflicts with protections against exploitative credit card practices designed to ensure reasonable and equitable terms for consumers. 

I request an immediate review of my account and a reduction of my interest rate to a fair and justifiable level. If this issue is not resolved promptly, I may escalate my dispute by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

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

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

I am responding to the recent investigation findings, expressing my disagreement and emphasizing the importance of complete accuracy. I am dissatisfied with the extent of efforts made to contact the creditors responsible for reporting the information on my credit report. Consequently, I am requesting further information regarding these specific items categorized by bureau : Experian : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00} XXXX : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00}. I am requesting the removal of all late marks associated with these accounts, asserting that I have consistently made timely payments. Furthermore, I urge you to conduct a thorough reinvestigation into the payment history of these accounts to verify my assertions, as I am confident in their accuracy. Please ensure that the payment history is updated accurately. As previously stated under the provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I am requesting a reinvestigation and update of these disputed items. Kindly provide me with the names and addresses of the individuals contacted. You are allotted thirty ( 30 ) days from receipt of this letter to complete these actions, unless notified otherwise in accordance with 15 U.S.C. Section 1681i ( 5 ) ( A ). It should be understood that failure to verify within this timeframe constitutes non-verification, requiring prompt updating according to Section 1681i ( a ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Sirs, I am writing to you pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) to dispute the following information in my credit report. After reviewing my credit report, I have identified the following accounts that I believe are reporting incorrect or incomplete information : Account Number 1 : XXXX Account Number 2 : XXXX Account Number 3 : XXXX In accordance with the FCRA, I request that you investigate this dispute and remove the incorrect information from my credit report. Additionally, I remind you that if you can not validate or verify these debts, you must remove them from my credit report within the 30-day period established by law.

I request that you send me a written response with the results of your investigation once you have completed the dispute process. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

1. I was scammed out of XXXX someone hacked into the my account and sent themselves 2 transactions 1 for a XXXX $ and one for XXXX $ on XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. They denied my refund and they kept telling me over the phone that it wasnt nothing they could tell me at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I contacted XXXX XXXX, XXXX and Experian regarding this fraudulent account placed on my credit report. I also reached out to the company XXXX XXXX XXXX the company XXXX XXXX XXXX/ at your service in question does not have any signature, contract, identification, or anything indicating that they were in business with me or that I did businessAdditionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt with them. How can a company place an account on someones credit file without it being some type of verification that the person does actually have an account. Additionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt. I received no documentation or letters, regarding this debt. this is a fraudulent debt. XXXX, XXXX XXXX, or Experian did not investigate, this company to confirm the validity and authenticity of this trade line before being placed on my credit report. This credit report is hindering my well-being and now I am facing employment issues and ramifications if this is not resolved, this fraudulent account is on my report and XXXX, XXXX XXXX XXXX Experian fail to uphold the FCRA and confirm the validity of this account
Product: Checking or savings account

I lost my wallet on XX/XX/XXXX. I thought I had left it at Capital One bank in XXXX NJ but when I went back it was not there. I believe it was stolen from there so can the FTC please check the cameras there? My Capital one debit card, XXXX Credit Card, anXXXX XXXX  credit card was stolen. In my wallet, I keep my PIN numbers and passwords to everything because I have bad memory problems due to my mental health. My PIN numbers and social media accounts has been completely compromised XXXX XXXX XXXX someone used my Capital One Bank Card at multiple locations. I informed the bank about someone stealing from me and they agreed to issue me a new card and investigate this matter. I really need this investigation done thoroughly by the bank, FTC, & CFPB because I lost a lot of money due to these fraud transactions : XX/XX/XXXX : - ATM WITHDRAWAL for {$1000.00} - XXXX XXXX XXXX  for {$13.00} - XXXX for {$1000.00} - XXXX for {$1000.00} XX/XX/XXXX : - XXXX  for {$31.00} - XXXX XXXX for {$170.00} - XXXX XXXX XXXX XXXX for {$10.00} - XXXX XXXX for {$26.00} XX/XX/XXXX : XXXX XXXX  for {$3.00} XXXX XXXX for {$6.00} XX/XX/XXXX : ATM Withdrawal for {$1000.00} XXXX XXXX XXXX XXXX for {$210.00} XXXX XXXX XXXXXXXX XXXX for {$190.00} XXXX  XXXX for {$20.00} XX/XX/XXXX : ATM Withdrawal for {$1000.00} XXXX XXXX XXXX for {$20.00} XX/XX/XXXX : XXXX XXXX for {$16.00} XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXXor {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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

This account is showing an inaccurate closing date of XX/XX/2021. Ive tried to file a dispute and nothing has changed.
Product: Checking or savings account

XXXX XXXX and square business debit card failed to investigate my unauthorized charges before denying my dispute. A hacker accessed my card and pin. And because a pin was used. XXXX XXXX  refuse my dispute. Without properly investigating. Because if they did. It was not me who walked in that store and picked up pizza all the time. I first learned of the fraud on XXXX. Filed disputes. But also. My square business debit card was hacked 2 days after activating my square business debit card. I feel like ive been embezzled from for the last year and a half. People need to know square business debit cards are not secure. Because I opened that card. My business has had XXXX dollars stolen from it. And XXXX XXXX wont investigate these charges properly. Or call me back. I was never there. They have surveillance to track this person. Two big corporations. Allowing the taking from a tiny business. Because I opened a square business debit card for my business I got thousands stolen from me. Small amounts over time.