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

XXXX XXXX XXXX XXXX SC XXXX These inaccurate reporting account an comments Is a violation To The law. 

Comments : Payment after charge off/collection Paid profit and loss Unpaid balance reported as a loss by credit grantor. 
Amount in high credit original charge-off amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

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 DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

account number XXXX XXXX XXXX XXXX XXXX {$21.00} ( Paid ) In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX XXXX
Product: Bank account or service

I have a contract with a guy whom has an account at PNC Bank, I 've been cashing my check here for over a year with my drivers license and pre-paid bank card. They are no longer cashing my check that 's on their back unless I have a major credit card? Or they said I can use a work Id I work for myself do n't have one, or a passport, it cost {$100.00} 's of dollars I do n't have that kind of money and lastly they said a car registration I do n't have a car. this is oppression to the poor, If I can ; t qualify for a major credit card how can I pay my bills? This should not be allowed because not everyone can qualify, if my drivers license and debit card is ok to drive and use my debit card everywhere major credit cards are accepted I do n't see how this is not an acceptable form of ID for PNC
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX concerning a persistent error they have been reporting on my credit report over the past four months. Despite acknowledging this error in writing and apologizing, XXXX XXXX continues to re-report it, which is significantly impacting my credit score I first discovered the error on XX/XX/2023 when reviewing my credit report. 
I immediately contacted XXXX XXXX via Email on XX/XX/2023 to report the error and requested its correction. XXXX XXXX responded and acknowledged the error, apologizing for the inconvenience caused. Despite their acknowledgment and promises to correct the error, XXXX XXXX has continued to re-report the same error on my credit report in subsequent months, most recently XX/XX/2023. The consistent re-reporting of this error has had a detrimental effect on my credit score, leading to a constant denial of XXXX and very high interest rates I have attached copies of all relevant correspondence with XXXX XXXX, including their written acknowledgment of the error. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure XXXX XXXX ceases the re-reporting of this error and corrects my credit report in a timely manner. I also request that they be held accountable for any damage to my credit caused by this persistent error. 

Please let me know if you require any additional information or documentation to address this issue promptly. I appreciate your attention to this matter and look forward to a swift resolution. 

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

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by 3 bureaus. Despite sending them the letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, 3 bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account :
Product: Credit reporting or other personal consumer reports

Ive identified inaccuracies on my credit report, in line with 15 USC 16c-2. The information in question is incorrect and negatively impacting my credit score..
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of several items that appear on my credit report. Years ago, my credit was stolen, and I filed a police report to document the fraudulent activity. I have enclosed a copy of this police report, which details the accounts that were opened fraudulently during the last incident. 

Unfortunately, my credit has been stolen again, and the following accounts have been opened in my name without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This fraudulent activity is severely impacting my ability to buy another home for my family. The holidays are approaching, and my lease is set to expire soon, making this situation even more urgent. I kindly request that these fraudulent accounts be removed from my credit report immediately. 

I have included the following documents to support my dispute : - Copy of the police report - Proof of identity ( drivers license, Social Security card ) - Copy of a recent Bank statement as proof of address Please conduct a thorough investigation into these fraudulent accounts and update my credit report accordingly. I appreciate your prompt attention to this matter, and I look forward to your confirmation of the removal of these items. 

Thank you for your understanding and cooperation.
Product: Mortgage

Back in XXXX my mother needed help to refinance her home. I helped her and my name was on the statements. On XX/XX/XXXX they finalized the sale of the property and I was illegally locked out of my home. I did my research and they scammed me and did a lot of dirty stuff. I have a lot of information and I have been trying to figure it out and I got all the information I need. This is costing me a lot and is a very stressful situation. I waited 15 days for the company to respond and the company that was named was not XXXX XXXX XXXX XXXX. This is more in depth with the audit. Once they see the audit they will consider something. It was an illegal foreclosure and fraud. The audit explains in detail.
Product: Debt collection

The company, National Recovery Agency, is not verified by the state of Florida as a licensed collection agency that is legally bond to collect a debt. The National Recovery Agency has been reporting false collection information to all three of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent. The balance owed is inaccurate. The entity this balance is owed to is inaccurate. The last active date is inaccurate. This account is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I should not have a balance with them as I have never used the services of XXXX XXXX XXXX in order for me to be charged. I returned the equipment they are billing me for within their return period, as a result, I am entitled to a full refund of the charges. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

Although you are a separate entity, I have disputed the item with XXXX and it was immediately removed from their credit report. What is the difference between your investigation and theirs? 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. As a matter of fact, I don't recall receive any communication from them at all and it has been since XX/XX/XXXX when I sent communication out. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I will not escalate this matter any further upon removal of the item from my credit report. This is truly ridiculous. 

I look forward to an uneventful resolution of this matter.
Product: Money transfer, virtual currency, or money service

With the recent CFPB complaint exposing serious problems with the platform, I am writing to formally voice my concerns about Zelle 's dispute resolution practices. Both Zelle and my financial institution did not sufficiently look into my claims, even though I used Zelle multiple times and reported inconsistencies. They told me it was not possible to track these transactions and that there was no way to reclaim lost money. In addition to failing to safeguard customers, Zelle has let repeat offenders to take advantage of the system, leaving users open to fraud, according to the CFPB 's findings. Consumer safety is seriously threatened by this intolerable lack of transparency and accountability.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its repeated failure to remove inaccurate account information from my credit report following XXXX reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : {$0.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Experian has failed XXXX comply with the law and has retained the inaccurate account information. 
The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of Experian to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX by XXXX  XXXX is not reporting accurately. XXXX XXXX fico score does not update. Credit wise will not delete the XXXX  XXXX accounts that are closed instead XXXX XXXX is reporting on XXXX XXXX and XXXX XXXX XXXX closed XXXX XXXX acconts as open. XXXX XXXX will not delete duplicate accounts of XXXX XXXX XXXX XXXX does not report accurately on my credit profile to Transunion, XXXX and XXXX. XXXX XXXX only reports on my XXXX XXXX accounts. XXXX XXXX repair credit service does not do what it says it will do it appears to be bias to other accounts and does not consider accounts in good standing thus continuing to report on XXXX  XXXX closed accounts as open and curtails the score very low. XXXX XXXX points never reaching ove XXXX  points but decreases monthly due to closed accounts being open. 
The total amount of debt XXXX XXXX is reporting is inaccurate. The credit usage is inaccurate. 
The XXXX XXXX shows average on for accounts paid on time this is unfair.
Product: Credit card or prepaid card

My Credit Card information was stolen which I immediately reported to TDBank. They said they would send a new card out this was on XX/XX/XXXX. After 2 weeks I called back and they said they will send out a card on XXXX XXXX. after 5 business days I called and they still never sent out a card, They now say it was sent out on the XXXX because my address was not validated. I have used this address for the past 7 years and now not validated? I am bringing this attention to Consumers who are considering doing business with TDBanl as well as the Corporation so that they can look into the matter as well. I believe replacing the card immediately is the correct procedure and want to know why I was signaled out and not sent a card?
Product: Credit reporting or other personal consumer reports

I have a hard inquiry through capital one and I didnt apply for an account or a card so I dont know why I have it because you get inquirys by them running your credit so I dont know if they ran my credit and why because I did not authorize any of that so Im trying to get rid of it so it does not impact my credit, it took place on XXXX XXXX
Product: Credit card

The credit card failed to collect an automatic payment from my checking account ( which is through a credit union ), which had the funds, and still does. The checking account info had not changed and is valid. On XX/XX/year>, I received confirmation that my payment had been received by Chase and applied to my account. On XX/XX/year>, I began receiving phone calls about my past due payment, and was further informed that the payment on XX/XX/year> was now overdue, and my card was unable to be used until payment was made current without two months of payments.
Product: Credit card

A Capital One card was opened in my name in XXXX of XXXX. It was never reported to my credit and it bypassed my credit monitoring. I found out when I received a letter in XX/XX/XXXX that I was past due. Capital one has received multiple documents from me proving my own identity and showing charges, bank accounts, phone numbers and email addresses that are not mine yet they continue to say I am responsible for the amount owed, as well as now have reported it to the credit bureau after over a year which caused my credit to drop significantly. It was added only after the account was closed back in XXXX.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I took out a loan with World Finance Corporation in XXXX, SC this past summer. The first payment was less than 30 days late. They never once tried to contact me through my personal number, but instead began to call my office numerous times a day over a course of a week. I had XXXX during the second billing period, so I was unable to go into the office to pay the bill. I was told to slide the money under their door. I payed a {$240.00} payment that day. They continued to call stating I never made the payment. Eventually, after speaking with corporate, they honored the payment. Just recently, I forgot to make my payment online that was due XXXX XXXX. Today, they called a family member of mine that was listed as a reference. I never received a phone call from them to my personal phone. Instead, they called a family member. They are using bullying and harassment tactics. I have always paid my amount due, and actually paid more than the minimum payment. They do not have permission to call my place of work or family members to bully me when I am less than 30 days late. This kind of practice should be illegal.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request for Deletion Due to TransUnion Failure to Respond within 30 Days Re : CFPB Case # XXXX Re : Account Name/Number : XXXX XXXX Dear TransUnion I am writing regarding my previous dispute on the account listed above, which I submitted on [ XX/XX/XXXX ]. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), as a consumer, I am entitled to have any disputed information reinvestigated and verified within 30 days of submission. It has now been more than 30 days since my dispute was filed, and the original creditor, [ XXXX XXXX ], has failed to respond to the dispute. 

As per the law, since the credit bureau has not responded to the dispute within the mandated time frame, the information regarding this account should be considered unverified and must be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an item is found to be inaccurate or can not be verified, it must be deleted or corrected from my consumer file. 

Therefore, I request that you delete the [ XXXX XXXX ] from my credit report immediately as the original creditor has failed to verify the accuracy of the reported information within the statutory period. 

Please note that I have already sent a certified letter to the original creditor requesting validation of the debt, but they have not provided any verification or documentation in the required time. As such, under the Fair Credit Reporting Act ( FCRA ), the account should now be considered disputed and should be removed from my credit file. 

Additionally, please send me an updated copy of my credit report reflecting the removal of this account after you have taken the necessary actions.

Failure to comply with my request may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies under the Fair Credit Reporting Act ( FCRA ), and taking appropriate steps to enforce my rights.

Failure to remove this account will also violate Fair Debt Collection Practices Act ( FDCPA ) section 1692g. Which I will be requested a {$1000.00} for each violation. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that this account has been removed from my credit report. 

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

I did not give consent/permission to run my credit I am writing to notify you of my election to have my name and address excluded from any list provided by your agency under subsection ( c ) ( 1 ) ( B ) of the Fair Credit Reporting Act in connection with credit or insurance transactions that are not initiated by me. 


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Product: Credit reporting or other personal consumer reports

I received my consumer reports and noticed they're showing a late payment in XX/XX/2021 and my account was never late. I've reached out to the company multiple times and never got a resolution. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I was never late on payments for my Bank of America Auto Loan Account Number XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided I demand these payments be updated to on time as they should be because I was never late. Thank you.