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

Dear Sir/Madam : I am disputing my accountwith XXXX. Please verify this debt as required by the Fair Debt Collection Practice Act ( FDCPA ) ( section 1629g ). Federal and state regulations require all debt collectors to send specific written documentation verifying the debt. Under these rules, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request.This account was originally reported late 30 days by original creditor in XX/XX/year>. I have asked this information verified. I would like statements from the original creditor since this account was opened. Portfolio Recovery has 3 different dates of the XXXX date of delinquency on each creditor agency. Portfolio Recovery has been sued by CFPB in the past for this same actions. Portfolio must have all monthly statements since account was opened to properly established a XXXX Date of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX I paid Bank of America in full {$650.00} via their app for my card ending in XXXX. XX/XX/XXXX I received statement balances from Bank of America in the mail showing my XX/XX/XXXX payment was applied to my previously close account ending in XXXX instead of my active account ending in XXXX. I called Bank of America to report this on XX/XX/XXXX. The first Bank of America agent I spoke with on XX/XX/XXXX requested a refund check by mailed to me. The second agent I spoke with on XX/XX/XXXX minutes later stated this was a known Bank of America App issue with their app showing past closed accounts on the consumers end. This second agent reported the first agent should have transferred the payment rather than refunding the payment. I informed the second agent I would have to wait until for the refund check to arrive in the mail14 days later to resubmit my payment. I was then called by Bank of America trying to collect on this debit on XX/XX/XXXX before a job interview at which time I asked not to be contacted again on this matter as it was a known issue I had already reported to them. I explained again to the Bank of America XXXX Collector that I was awaiting their refund check to arrive in the mail before I could pay them again for this known app error. I was contacted again by Bank of America on XX/XX/XXXX trying again to collect on this debit while I was at work as a direct patient facing nurse. I submitted a dispute letter in writing to Bank of America on XX/XX/XXXX. Additionally I received notification on XX/XX/XXXX that Bank of America is now reducing my credit line to {$800.00} due to this current and past delinquency.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor Therefore any such debt in fact therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$550.00}. XXXX XXXX balance {$410.00}, XXXX XXXX XXXX balance {$850.00}, XXXX XXXX XXXX balance {$7300.00}, XXXX  XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX  XXXX {$680.00}, XXXX XXXX XXXX balance {$520.00}, XXXX XXXX balance {$200.00}, XXXXXXXX XXXX XXXX Balance {$1400.00}, please these inquiries XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There has been inquirys addresses names that are not mine and have never been mine reporting on my credit reports and I have filed disputes and still no changes even though I submitted all the information to the credit brueros
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. 

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. My report reflects inaccurate collections and charge-offs, including XXXX ( XXXX, {$5200.00} ), XXXX ( XXXX, {$810.00} ), XXXX  ( XXXX, {$160.00} ), and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} ). These errors must be corrected immediately.
Product: Checking or savings account

My insurance agent XXXX XXXX had two farmers agencies and a title and loan office in XXXX in XXXX  he was investigated and all of his accounts XXXX. I found out that there's a home equity level and a refinance on my house with over {$100000.00} added to the mortgage the information that I get sent has been tampering with including bank statements and insurance policies this has been verified by the Banks and the insurance companies I have fans that there is a bank account connected to my tax return at Wells Fargo Bank I have copies of back office copies of the account it is what the bank since the printing company I was told it is not to be in the hands of the customer and printed on paper it is usually only in electronic form not on paper. 
Whoever this person is that works at the bank or the printing company has very high level access they are able to change or falsify the statement information. This is how I'm having problems with fake receipts and false information on my statements. All of this can be verified from the insurance policy and the bank statements.
Product: Credit card

The Costco and XXXX XXXX arrangement ended in XXXX 2016. Costco and XXXX XXXX agreed to automatically enroll customers into the Citi-Bank Visa program without customer consent. I terminated my XXXX XXXX card 3 months prior to the transition between XXXX XXXX and Citi-bank, yet, I received a Citibank Visa Card. I cancelled the card shortly after realizing I had been fraudently signed up for the Citibank card. It 's now XXXX 2016. I find out through the Costco Warehouse account that the card I cancelled was n't cancelled and that Costco fraudulently charged my renewal membership to the card without my authorization. I again have tried to cancel the Citibank card to find out I need the entire card number to cancel it. I never received any mailed statements or literature from Citibank on the card. I again requested a written statement from Citibank that the card was cancelled. I was told I could only cancel the Citibank card once I have the full statement and account number available to cancel the card. This is fraud on both Costco and Citibank.
Product: Debt collection

My identity was stolen in the year of XXXX. In XXXX I received a letter from a debt collector agency threatening to garnish me. I reached out to this company, apparently this account was falsely established using my personal information that I didnt have any knowledge of until XX/XX/XXXX. The account in questioned is 15 years old. This fraudulent account has been in collections since XXXX. I am a victim of identity theft. Im not paying for someone elses debt.
Product: Credit reporting or other personal consumer reports

Hard Inquiries that I never made XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had an auto financed through XXXX XXXX. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The XXXX XXXX installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call XXXX XXXX the representatives tell us that I am going to receive a XXXX because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since XXXX  XXXX is saying I am not able to pay on it as there isn't a balance due by me.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I am filing this complaint against CarMax for their egregious violations of the Fair Credit Reporting Act ( FCRA ) and the substantial damage they have caused to my credit profile and financial stability. 

Here are the facts : I paid off a car loan with CarMax in full with a {$29000.00} cash payment. I have documented proof from both my finance company and bank confirming the payment was made. 
CarMax reported the loan as paid and closed to the credit bureaus. However, a week later, they falsely claimed my payment was late. After contacting them, CarMax acknowledged receiving the payment but did not correct their erroneous reporting. 
As a result of CarMaxs inaccurate and irresponsible reporting, my credit score dropped by XXXX points, which directly caused : The loss of my job, where maintaining a certain credit score was required. 
My disqualification for a home loan, crushing my familys financial plans. 
This reporting error has had catastrophic consequences for me and my family, and CarMax must be held accountable for violating my consumer rights. Specifically, CarMax has breached the following FCRA provisions : 15 U.S. Code 1681s2 Duty to provide accurate information to consumer reporting agencies. CarMax failed to meet this obligation, as they initially reported the loan positively, then erroneously changed it to a negative status. 
15 U.S. Code 1681i Failure to investigate disputes. Despite my providing proof of payment, CarMax has not corrected the inaccurate reporting in a timely manner. 
Cases like XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX highlight the FCRA violations present in this matter, and I am prepared to take legal action if this issue is not resolved immediately. The harm done to my credit, employment, and home-buying process demands compensation. 

If this issue is not resolved immediately, I will pursue further action, including filing complaints with the XXXX XXXX XXXX XXXX XXXX XXXX, the FDIC, and the OCC. Additionally, I will be moving forward with legal action to ensure I am fairly compensated for the damage CarMax has inflicted on me and my family. 

I have attached all documentation, including payment proof and communication records, to support my claim. 

I expect a prompt response and a thorough resolution to this matter.
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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Checking or savings account

Wells Fargo falsely and fraudulently adversities an incorrect and made up limit for new XXXX recipients who have been verified that they later refuse to honor - ostensibly for my protection. However, when I called to ask what was the issue the phone bankers had no answer. Thus, the only valid answer is that Wells Fargo is extremely disorganized and has no idea what its doing, or worse, I am being illegally discriminated against and Wells Fargo is covering this up now by feigning extreme incompetence just like they did in the fake interview scandal that is now being criminally investigated. At the very least, this issue should have been escalated and investigated- which it was not because maybe Wells Fargo is just a lazy bank.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX # XXXX
Product: Debt collection

I PAID XXXX {$270.00} THAT THEY SAID I OWED THEM. IVE NEVER RECEIVED ANYTHING BY ERC TO SAY I HAVE AN ACCOUNT WITH THEM. 

ERC KEEPS REPORTING AN OPEN COLLECTION ACCOUNT FOR {$270.00} EVEN THOUGH IT HAS BEEN PAID TO XXXX. 

THEY KEEP REPORTING ON A NON VERIFIED ACCOUNT. IM NOT GOING TO PAY TWICE FOR THE SAME THING. ITS LIKE THEIR TRYING TO BLACKMAIL ME INTO PAYING TWICE. I ALREADY PAID XXXX AND ERC WANTS MORE
Product: Credit reporting or other personal consumer reports

I am submitting a formal request for the investigation and deletion of unauthorized inquiries on my credit report. I have attached an affidavit of dispute affirming the authenticity of this request. 
These inquiries were made without my consent, and upon contacting the listed creditors, they confirmed they do not have evidence that I initiated these inquiries, nor do they possess any written or verbal authorization from me, as required by the Fair Credit Reporting Act ( FCRA ). 
Specific Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I understand that verification may occur through the EOSCAR system ( Electronic Online Solution for Complete and Accurate Reporting ) . However, the CFPB has highlighted limitations in the EOSCAR system, noting that automated processes can be insufficient when accuracy depends on verifying underlying documentation. Therefore, I request a manual review of these unauthorized inquiries and full verification of all relevant documentation. 
Additionally, I am specifically requesting any original application forms or initial documents that creditors may have on file. This is to ensure that only responses based on primary documentation are considered, rather than automated EOSCAR confirmations.

Under the FCRA, these inquiries violate requirements for permissible purpose, verification, and accuracy. The relevant FCRA provisions that support my request are outlined below : 1. Section 604 ( 15 U.S.C. 1681b ) - Permissible Purposes : Since I have not authorized these inquiries, they do not meet the permissible purposes outlined in this section.

2. Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) - Inaccurate or Unverifiable Information : The FCRA requires credit bureaus to delete unverifiable items promptly. As there is no verifiable authorization, I formally request the removal of these inquiries.

3. Section 609 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681g ) - Right to Access and Verification : The FCRA mandates that credit agencies verify each inquiry, including an original signed contract proving my consent. Since you can not provide this documentation, I request the removal of these inquiries.

4. Section 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of Information Providers : Information providers must ensure accuracy and authorization ; these inquiries fail to meet these criteria.

5. Section 605A ( 15 U.S.C. 1681c-1 ) - Identity Theft Protection : This mandates the removal of unauthorized inquiries potentially linked to identity theft. I request deletion under this protection. 
Relevant Case Law : XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the XXXX XXXX ruled that accessing a credit report without a legitimate purpose or consumer consent violates the FCRA. Similarly, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) upheld that credit inquiries must meet permissible purpose requirements, supporting my request to remove unauthorized inquiries.
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 XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXXXXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a 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

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.
Product: Vehicle loan or lease

On XX/XX/21 I Made A Cash Down Payment Too Enterprise Dealership Of total Of {$2300.00} Cash Payment. But Ive notice that my contract says it was credit {$2300.00} is {$42000.00}. If Im paying the total loan back was a suppose make a cash down payment to the dealership?
Product: Student loan

I have student loans with XXXX But recently XXXX  sent my student loans to another server. XXXX has charge a lot of loans on me. I have over thousands of dollars in student loans and Im a low income student. I know XXXX is canceling student loans. Am I getting it canceled as well? Just a month ago they sent my student loans pro folio to another server. I couldnt understand why until now. What should I do?