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

This is my third and final demand regarding the inaccurate and erroneous information you continue to report on my credit file despite multiple disputes. It has become apparent that the credit bureaus are deliberately ignoring its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. 

XXXX XXXX XXXX XXXX XXXX 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. Your actions are in violation of FCRA Laws XXXX XXXX XXXX XXXX  - XXXX5 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. 

XXXX XXXX XXXX XXXX XXXX 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX - XXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Missed Payments on Credit Report Dear CFPB, I am writing to dispute the accuracy of information on my credit report as provided by your agency. After reviewing my credit report, I have identified discrepancies related to missed payments that are inaccurately reported. I request a thorough investigation into the matter to rectify these errors promptly. 

Below, I have outlined the details of the disputed information : Creditor Name : Kohl 's Account Number : XXXX Date of Reported Missed Payment ( XXXX ) : XX/XX/2023 Inaccurate Information : Charged me a late fee along with not sending me an email or any reminder to pay off my card. Paid off the full amount as soon as I was notified of a late fee charge. Do know that this is an unfair situation this systematic error had caused. I pay off all of my statements on time. 
I believe the information mentioned above is inaccurate, and I request that you investigate this matter as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). I have attached supporting documentation, including [ any relevant documents you have ], to assist in your investigation. 

Please provide a written response outlining the results of your investigation within the timeframe stipulated by the FCRA. If you find that the information is indeed inaccurate, I request the following actions be taken : Correct the information on my credit report. 
Provide an updated copy of my credit report reflecting the corrections. 
Notify all parties that have received my credit report in the last XXXX months of the corrections made. 
I appreciate your prompt attention to this matter and your cooperation in resolving this dispute. If you require any additional information, please do not hesitate to contact me. 

Thank you for your assistance in rectifying this matter promptly. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Problems paying off Comenity Bank. I took out a loan with XXXX XXXX  XXXX XXXX to payoff debt with Credit Card with Ultamate Rewards/Comenity Bank . XXXX XXXX  XXXX XXXX sent a check to XXXX Bank in the amount of {$10000.00} with my account number check dated XX/XX/XXXX. I continued to receive notices that my account was past due and I called to speak to representatives on multiple occasions. By XX/XX/XXXX, I spoke to the " Dispute Department '' because the check had not been received ; they could not locate the check and would do an investigation. I contacted XXXX XXXX  XXXX XXXX to let them know. Due to the check being of such a large amount XXXX Bank XXXX XXXX decided to stop payment on check and issue a new check. A new check dated XX/XX/XXXX was issued and mailed the same by priority mail. Notice was received that the payment was received through XXXX Postal Service. I kept receiving calls and soon received statement that payment had not been received. Then that same week, I received the 1st check dated XX/XX/XXXX in the mail it was returned to me stating insufficient. I promptly called Comenity Bank, stating the payment posted on XX/XX/XXXX and was returned XX/XX/XXXX. Yes, the XX/XX/XXXX check payment was stopped because too much time had passed it was considered lost. It was now, XX/XX/XXXX and Comenity Bank returned the 1st check and the 2nd check for {$10000.00} was now lost. I have made multiple calls to dispute department with NO resolution. They have lost two large checks which could not be posted. Now, I have {$82.00} or more late fees on my account and interest fees accumulating. They have also reported the missed and late payments to the credit bureau ; my credit has taken a terrible hit due to their mistakes. Comenity Bank has over XXXX complaints that are of the same nature. What is happening to these checks mailed priority and why are they not posted immediately? Why was the 1st check dated XX/XX/XXXX posted on XX/XX/XXXX over a month late? It is XX/XX/XXXX, and the 2nd check dated XX/XX/XXXX mailed priority has not been found or posted. We keep going around and around with them asking me the same questions and to submit the same information. The checks in the amount of {$10000.00} is too much money for them to be losing. This is considered terrible practices and customers being mistreated as well as milked for additional fees.
Product: Checking or savings account

My account was set-up where I could not overdraft funds ; any transactions were to be declined due to insufficient funds. Somehow my account went negative, and I called multiple times. Wells Fargo advised that the overdraft fees should not have been incurred, and that in XXXX business days the money would be reimbursed back to my account ; however, they continued to charge a XXXX overdraft fee while they were correcting their error. They could not correct their mistake and continue to harass me for money for the account that is no longer in use. There are recorded calls with Wells Fargo where they are advising that I need to wait and money would be back in my account, and then the following days, weeks, etc. they continue to charge me fees for a negative account, but only due to their mistake.
Product: Debt collection

TRANS UNION ISSUES THAT THEY HAD IN XXXX THEY REFUSED TO REMOVE XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX WAS THE ONE THAT REFUSED HE WAS IN XXXX WITH A BAD ACCENT AND VERY BAD CONNECTION
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations remove good accounts please put it back on XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection on my account from XXXX XXXX XXXX requesting verification of this debt..i have also submitted 3 requests through CFPB and each of those complaints came back that this collection company is not responding, i have sent certified letters to this collection agency also and never got any responses either, when i dispute with Equifax each time they just say it was verified despite me asking constantly for verification i have no knowledge or verifications of this debt, i disputed with XXXX and XXXX and they been removed it but equifax has yet to verify or provide me with anyrhing this is unfair to be being reported and despite my multiple attempts to verify i still get no responses and also when CFPB sends complaints they dont respond back to them neither
Product: Bank account or service

I was charged a total of XXXX overdraft fees for a XXXX dollar purchase I my account. When calling Wells Fargo to see if they can waive just XXXX of these fees they stated that it was my fault and they could not do anything. So I was charged over {$150.00} dollars for a XXXX dollar purchase. ( XXXX total charges of XXXX ). I spoke to XXXX people who were extremely rude and disrespectful. I do n't think that charging me this amount of money when I clearly do n't have the money is the right solution. I even had a family member transfer money into my account to try and avoid these fees and it did not go through in time to avoid this. However, the people I spoke with still stated it was my fault. This bank is clearly just trying to make money off of me and I do n't find this comforting to know I bank with them. I am very unhappy.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I have no idea why theyre there. I routinely check my report, but this time I noticed unexplained discrepancies. Even after refreshing my browser, the issue didnt resolve, and the inquiries remained. I am extremely frustrated and urgently request that the documents Ive provided be reviewed carefully to ensure this never happens again.
Product: Debt collection

I CONTINUE TO RECEIVE DEBTS THAT ARE NOT MINE IVE BEEEN DEALING WITH THIS FOR YEARS
Product: Credit card

This is in regards to my Care Credit/Synchrony Bank Card . I use it at my vet for my dogs. I like the convenience of spreading out the payments with no interest during the promotional period. I make an auto payment each month, and an additional payment when needed so that I can pay my purchases within the grace/promotional period. My auto payment of {$250.00} posted on XX/XX/XXXX and I made an additional payment of {$550.00} on XX/XX/XXXX to cover my promotional balance due of {$780.00} which was set to expire on XX/XX/XXXX. I logged into my account and noticed they left a {$3.00} balance on this transaction, which would have then caused my account to be charged the {$110.00} deferred interest charges. They applied part of my payment to the NEXT balance due of {$340.00} of which is not set to expire until XX/XX/XXXX. I made an additional payment of {$25.00} just to be on the safe side ( even though I knew my prior two payments covered the balance ), then called Care Credit/Synchrony Bank and asked them why this happened. They told me I am supposed to call them to tell them how to allocate the payment. I know this is not true, as the payments are to be distributed to the oldest balance first. ( This happened to me with another company 's promotional balance on another card ). They told me it would be fixed, but I am not sure it will be, so I am writing to you today to tell you of this situation. I feel this is an illegal practice done to charge the customer if the customer was not paying attention. It is an unfair tactic.
Product: Credit reporting

I have closed accounts still on my report hard inquiries on my report that I did not approve. I want them removed immediately I have contacted all XXXX credit places no responses from any of them
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 XXXXXXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX CARD XX/XX/XXXX {$6800.00} XXXX XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00}
Product: Credit reporting or other personal consumer reports

I have been disputing with TransUnion Credit Bureau since 2019 regarding account XXXX XXXX. This account was deleted twice for inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a previously deleted item is reinserted into a consumer 's credit report, I am entitled to be notified within XXXX business days of the reinsertion. I have not received such notification, and I believe that this item has been reinserted improperly. 
This account has been reported as a charge-off since XXXX  2019. I have not received a 1099C from the company or the IRS stating that my account has been filed as a charge-off since XX/XX/2019. This account is also reporting a charge-off in XXXX  2019, showing a XXXX  in XXXX  2019 and XXXX  2019. This is very inaccurate and misleading information. 
This account is reporting the last payment was made in XXXX XXXX  2020 this statement is inaccurate information. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate information. Repeatedly reporting the same XXXX and Charge off as new violates has lead to a distortion of my creditworthiness. 
Additionally, according to 15 U.S.C. 1681e ( b ), you, as a credit reporting agency, are required to follow reasonable procedures to ensure the maximum possible accuracy in the information reported. The presence of these duplicate entries is a clear indication that this standard has not been met. 
15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The dates listed for my account do not reflect the correct information, which results in an inaccurate portrayal of my payment history. 
Furthermore, 15 U.S.C. 1681c places specific limits on the length of time that negative information, such as delinquencies, may remain on a consumers credit report. Reporting an incorrect date of first delinquency could result in unfairly prolonging the negative impact on my credit.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Negative Account on Credit Report Dear Representatives I am writing to formally dispute the following negative information that appears on my credit report. this information is inaccurate and request that it be investigated soon as possible as section 1681n state.

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXX  XXXX XXXX  Account Number : XXXX violations of section 1681 ( n In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you remove the inaccurate information from my credit report. Please notify me in writing of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This company " ERC Collections '' has been harassing me in regards to some type of debt. When I originally tried calling back the experience would vary depending upon the phone number they called from. In most cases the phone just rang and rang or the phone would disconnect. Therefore, I wrote them off as just another group of scammers. However, now these people are calling me at WORK ... ..ALL DAY/EVERY DAY including calls to Human Resources and today they went directly to my boss. They told my boss " she has an outstanding debt but refuses to answer her phone ''. I am MORTIFIED ... .they ca n't do that can they??? In the past they have told HR that they have " papers to serve in a legal matter '' and that HR either has to " accept the served papers on my behalf or that HR will have to " force '' me to come to the front desk and be served. Last week my ex-husband, AND ex-mother in law received calls on my behalf and they stated it was a " legal '' matter. Please help!!!!!!!!!!!!!!
Product: Credit card or prepaid card

I have been receiving a call from debt collection department from the capital one and everytime I called back to the number that goes to the capital one customer service, they confirmed that I had no card which was past due, and the call must be a scam. Today I happened to answer the call, lady told me that she was speaking from capital one and my card was past due and she needed my debit card number or checking card account number to take care of this payment. This was a surprise and I pulled up my online capital one account and none of my account information matched what she was talking about. She stated this account was opened back in 2015 and she agreed to transfer me over to fraud department. I was on hold on searching thru my cards in reserve in my night stand and I came across this GM card that was issued by Capital One, that I opened but decided to put it away when I wasnt able to use it through my capital one log in, although this was issued by capital one. She told me there were two XXXX charges went through this card in the month of XXXX and XXXX. For which I had no knowledge of. I nhad never received any email notification of or paper statement of. Neither those charges were authorized by me. 
When I use my other cards, I get my legit charges declines until I respond to the text but this card that I havent used in five years something went thru n I didnt get any notification of. 
The lady did go ahead and request my card to be replaced and stopped any further charges. 
This matter was very serious to me, so I decided to call XXXX and further investigate on my own, XXXX wasnt able to find any transaction with this card number or any active account linked to this account. 
I went online logged in to capital one and chatted with the capital one rep he asked me to call fraud department and ask them to dispute these transaction since they were not mine. I called and spoke with the lady name XXXX but she sounded like being in a hurry, she said ok, we will take care of it. Few minutes later she called me back and asked me to call back on Tuesday to the same fraud department and ask them to mark the transactions as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested information regarding the bankruptcy that appears on my Transunion credit report and it has been well over 30 days and have yet to receive any information regarding the investigation and the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( XXXX, TransUnion, and XXXX ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this Transaction from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

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

I am writing to request the deletion of XXXX XXXX XXXX XXXXXXXX ( NEGATIVE account # XXXX ) from my credit report due to several discrepancies. I have disputed these errors since XXXX, and under the Fair Credit Reporting Act ( FCRA ), if they are not corrected within 30-45 days, they must be removed. Since we are well past this timeframe, I am requesting a deletion due to these errors. 

||**Credit Limit : Reported as {$7000.00} by TransUnion and XXXX XXXX but {$0.00} by XXXX. 

||**Date Opened : Inconsistent dates with XX/XX/XXXX reported by TransUnion and XX/XX/XXXX XXXX by XXXX and XXXX. I am requesting the exact month, day, and year of the date opened. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

||**Date of Last Payment : Reported as XX/XX/XXXX by TransUnion and XXXX XXXX and XX/XX/XXXX by XXXX. I am requesting the exact month, day, and year of the last payment received. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

The persistent inaccuracies and failure to correct them within the legally required timeframe constitute a violation of the FCRA. The continued presence of this incorrect information is unfairly damaging my credit score and financial standing. 

Given these points and the unresolved discrepancies, I request that the credit bureau delete the entire account from my credit report immediately. 

Thank you for your prompt attention to this matter.