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

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. 

THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 

BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNT : XXXX XXXX  : XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. 

I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

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

Few years ago I purchased a vehicle my loan provider was Bridgecrest auto finance. 
During that time they have an inaccurately reporting to the credit bureaus I reached out to them multiple times too Bridgecrest in the guards to multiple late payments that are incorrect Starting from XXXX To XXXX at this point I dont know what to do I want this to be corrected but unfortunately Im on able to speak to someone order to handle this situation
Product: Checking or savings account

been a customer of BofA for many years. XX/XX/XXXX of this year I logged in to use onlne bill pay and noticed that my account and my son 's were overdrawn by almost {$1.00} XXXX, of course I laughed thinking it had to be some kind of a computer mistake, I called the branch and was told BofA is closing accounts without giving a reason. I got that department phone number & called and was told that they have the right to close any account they wish to. I have been a customer of theirs for many years, my children accounts are linked to my account too, we have checking, savings & HELOC accounts with them, these are personal accounts, we all have direct deposit checks, we don't do any cash transactions & are not in any illegal type of industry such as dispensary or such and so every single debit & credit is accounted for. They kept my business accounts open but closed the whole family personal accounts without giving an explanation for their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX ... ELEVATE RECO ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan in XXXX, or XXXX from American credit acceptance and the car was repossessed in XXXX But every year or month they put it on my credit as a new loan. It has been over a timeframe to come off of my credit. Which it is XXXX and it is still stopping me from getting a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on this account and was removed. I have no other business with this account and demand for it's removal from my credit reports. Capital One.
Product: Money transfer, virtual currency, or money service

Someone has gained access to all of my online accounts, including XXXX, I've called PayPal and given them my social and my license I even have my birth certificate but the lady said I'm not me because the social is different and hung up. Any cash that goes through it is used, the statement for my other account is obviously different because they think its a different account, I've not accessed that one in years, o have a substantial amount of money from a loan in it I can't touch and the company is going to try to prosecute, I have receipts of the money leaving my account and all I can do ask for help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts remain on my TransUnion credit report despite my original dispute submission on XX/XX/XXXX, and a follow-up submission on XX/XX/XXXX. 

I submitted all legally required documentation, including : FTC Identity Theft Report Government-issued ID Proof of Address Despite this, TransUnion has failed to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Additionally, these fraudulent closed accounts remain : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA Section 605B [ 15 U.S.C. 1681c-2 ], credit reporting agencies are required to block and remove fraudulent information from a consumers credit file within four ( 4 ) business days of receiving proper documentation. TransUnions failure to comply with this mandate is a direct violation of federal law and has caused me significant harm. 

I have never authorized or benefited from these accounts, which were opened using my stolen identity. Their continued presence on my credit report is not only inaccurate but also unjust, causing ongoing financial hardship and emotional distress as I am unable to move forward with important financial decisions. The prolonged inaction exacerbates the damage to my creditworthiness and personal well-being.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX American Express XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX RE : Notice of Violation of the Card Holder Agreement Acct : XXXX Dear American Express, Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the 3 major credit bureaus. Upon signing up and accepting the terms of the credit card associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off.

I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company.

This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes.

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.

Sincerely, XXXX XXXX
Product: Credit card

A card was opened in my name and the person proceeded to spend {$800.00} on it, maxing it out. The {$800.00} was spent in the form of ( XXXX ) {$200.00} gift cards. I called Kohls and they proceeded to cancel the card and claim it as fraud.
Product: Prepaid card

I have tried to activate the gift card through the XXXX website, but every time it gives me an error saying that I need to call the support line. When I call the support line and enter my card information the automated system says that the card does not exist on file. I'm not able to get in touch with any actual person when calling the service line.
Product: Credit reporting or other personal consumer reports

I disputed several accounts on my credit report with Experian, including a fraudulent account with XXXX XXXX  and inaccurate entries with XXXX XXXX XXXX XXXX and XXXX. Despite providing evidence, including an FTC Identity Theft Report, Experian failed to properly investigate these disputes, resulting in continued harm to my credit score. Experian 's actions have violated the Fair Credit Reporting Act ( FCRA ), as seen in recent legal action taken by the CFPB for similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Re : letter to remove inaccurate credit information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : 1. the last reported date of XXXX is incorrect and does not meet FCRA . Please immediately delete credit collection services 2. the last reported date of XX/XX/2023 is incorrect and does not meet FCRA . Please immediately credit collection services original creditor XXXX XXXX 
3. The last active date is incorrect and does not meet FCC RA. Please immediately delete account number XXXX XXXX credit collection services original creditor XXXX XXXX 4. the balance reporting {$34000.00} is incorrect and does not meet FCRA . Please immediately delete account number XXXX XXXX XXXX XXXX XXXX 
5. High credit amount {$89000.00} is incorrect and does not meet FCRA. Please immediately delete account number XXXX XXXX XXXX XXXX XXXX 
6. Number of months or terms is incorrect and does not meet FCR A period please delete account number XXXX XXXX XXXX last reported date is incorrect and does not meet FCR A period please immediately delete XXXX  account number XXXX You have 30 days from the date you receive this letter to provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report and update accounts to the positive. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress fo these violations.
Product: Money transfer, virtual currency, or money service

Yes i had accounts with paypal and XXXX a sub company of Paypal .. well a lil over a year ago on XX/XX/XXXX on my XXXX account i received a payment transfer of XXXX dollars then XXXX and finally another XXXX dollars bringing my balance to XXXX dollars .. so at that point i tried transfering it to my bank account like normal .. i received my confirmation for both transfers and was even provided a date for when my funds would be available in my external account .. well a day after i made the two transfers i tried logging in to find my account had been frozen i immediately call XXXX support to find out what's going on. Theb only answer I'm givin is an account specialist will be in contact a week later i receive an email stating my account will remain closed and they have no further information .. i continue to call for months but to receive the same answer.. a year later i get an email stating i can log on to my account but to only transfer my funds to my bank .. however upon logging in i still see the initiated transfer i made but then see a notifaction that says paid to XXXX before account closing .. and yet there was XXXX dollars in my about from the same balance .. when i ask there support what happened to the XXXX remaining from that Balance they say it was sent back to my balance yet there's no transaction no record no proof only a notifaction saying they took my money and paid themselfs with it. And now paypal had done the same thing closed my account for receiving a. XXXX cent payment denying me access to the funds from my account yet continue to take my money and the reason im giving threw email shows i tried to make transfer to my bank account that faild. So under no circumstances would that give them any rights to take it yet they've done so twice and more continues to come out of my balance as time go one
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX  XXXX Account # : XXXX Inaccuracies : 1. Future Reporting Dates : o XXXX Last Reported : XX/XX/XXXX o Equifax Last Reported : XX/XX/XXXX o Reporting future dates violates the FCRA 's accuracy and timeliness rules. 
2. Balance Inconsistency : o The account balance is reported as {$700.00}, but the Credit Limit is {$500.00}.

o A balance can not exceed the credit limit without proper verification, indicating a reporting error.

3. Comments Conflict : o XXXX : " Dispute resolved ; reported by grantor. '' o XXXX : " Unpaid balance reported as a loss by the credit grantor. '' o Equifax : " Accounts closed by credit grantor. '' o The comments are inconsistent across the bureaus, suggesting unreliable reporting.

4. Date Discrepancies : o Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX o These dates should align if the account activity is accurate.

5. Two-Year Payment History : o XXXX and Equifax show XXXX CO '' ( Charge Off ) for multiple months. 
o XXXX indicates " OK '' status after some " CO '' entries, which conflicts with the derogatory status.

6. Account Type/Status : o Listed as Revolving Credit Card but simultaneously flagged as Collection/Chargeoff.

o Accounts can not be both " revolving '' and charged off without further clarification.

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) on XXXX its ( XX/XX/XXXX ) & on Equifax its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ; Account Number XXXX
Product: Credit card

I submitted CFPB complaint XXXX in XXXX The company replied and did not address any of the alleged issues and did not provide adequate response. I want legitimate responses from Synchrony bank.
Product: Checking or savings account

I have tried several times to speak with some about these ridiculous bank fees and the fact that pending transactions take 4 days to post. Which will cause you to acumilate nsf fees. {$35.00} up to 3 times a day is robbery. I am paying half of my paycheck once my direct deposit hits in bank fees.
Product: Credit card or prepaid card

Navy Federal Credit Union, Recently responded to a past complaint. In the Complaint I advised my bankruptcy was discharged and I would like to reestablish membership. The company advised I could reestablish membership if I was so eligible, and at that time I could reapply for credit when my profile meets the requirements of their lending guidelines, and If I have reestablished my credit. I was able to reestablish my membership but, It took me contacting the fraud department, and removing the cease and decist letter. After doing so I tried applying for a credit card, I was immediately declined. The application did not pull my credit, and when I sent in a message asking why Navy Federals response was that because my bankruptcy is discharged they are not trying to collect a debt but that I would NEVER be eligible for lending products going forward as that is against their lending criteria unless I pay back the debt. Which I will not be doing so because I am not obligated to pay the debt back as the circumstances of the bankruptcy was because of Identity Theft. Navy Federal also stated because I caused Navy Federal a loss underwriting guidelines do not ever allow for me to apply for new credit with the credit union. This is different then what I was previously sent in a letter on company letter head in the last complaint response, I would like to re establish my credit but Navy Federal still show 's these account 's in their system as Charged off, Bad debt. These account 's are NOT collectible. These are discharged account 's in the bankruptcy court. I feel like this is a bit of discrimination since, they are basically saying because I was a victim of ID Theft, and because of my bankruptcy I will never be lendable again according to Navy Federal and I will never be allowed to apply for products within th e c redit union. Lastly when I tried applying for something it showed an authorized user on my account I could add to the application? I don't know who that person is so that was pretty strange also. The previous share that was tied to these account 's discharged was also included in Bankruptcy and has been discharged so the cross collateralization of navy federal has been discharged. Therefore I am starting fresh and would like to be able to reestablish my credit fresh.
Product: Debt collection

Rent Recovery has an debt amount of XXXX owed in result of an identity theft for XXXX XXXX XXXX. The amount comes from XXXX And Im just becoming aware of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, there is an fraudulent account on my credit report from Bank of America with the account number XXXX opened in XX/XX/XXXX. I have never opened an account with Bank of America. 

I do not have an account with Bank of America. I've never had an account with Bank of America. I have not given anyone permission to use my credit or to add my name to an account with Bank of America. 

This account needs to be deleted upon receipt of this documentation.
Product: Checking or savings account

The below transaction I did not receive the cash from the ATM. I wish to dispute this transaction. 

- {$190.00} ATM Withdrawal XXXX, XX/XX/XXXX XXXX XXXX  Normally the ATM prompts about currency conversion ( it's in XXXX ) before dispensing money. Instead of this screen, it had a white screen for a few seconds and then gave a generic error with no details. The wording was something like " an error occurred '' and ejected my card. There was no error code. 

I assumed that I hadn't been charged because it didn't ask about currency conversion. No receipt was provided. 

There are tons of cameras in the bank and I can provide contact info. I was told by the ATM provider to contact my bank. 

I made a claim XXXX days ago that was rejected. I'm sure this is a mistake because there is no way this was investigated in XXXX days.