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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

It is so distressing and you have no idea how bad it is, XXXX an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Product: Checking or savings account

Opened a BMO relationship checking account and the opening terms did to specific that the account had a XXXX $ fees and needs XXXX min balance to avoid the fees. 
I tried calling to close the account but that required a fees of XXXX $ to close. I tried to product change to a different account but kept getting excuses like the team that handles this isn't here yet, and you opened the account online so there is an issue changing the account type to the non-monthly fees XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation. 

The accounts I am disputing are as follows : SELFSOUTHSTATE BANK The reasons for this dispute are as follows : Violation of FCRA Sections 1681e ( b ) and 1681i ( a ) : Under the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ), you are legally obligated to ensure that all information in my credit report is accurate, complete, and verifiable. Recent lawsuits against both XXXX XXXX XXXX have proven that your company has failed to meet these obligations. I am holding you responsible for failing to follow reasonable procedures to assure maximum possible accuracy in the reporting of my information. 

Failure to Verify and Investigate Properly : The accounts listed above are either inaccurate or unverifiable. Section 1681i of the FCRA requires you to investigate any disputed item within 30 days of receipt of this letter. If you can not verify these accounts or if they do not meet the legal standards for reporting, they must be removed immediately from my credit report. 

Recent Legal Action and Non-Compliance : In light of the recent lawsuits where XXXX XXXX XXXX were found to be in violation of the FCRA by failing to ensure the accuracy of credit reports, I am demanding immediate action. Your failure to properly verify and investigate these accounts is unacceptable, and I will not tolerate the continued presence of inaccurate information on my credit file. 

As required by law, you have 30 days to complete your investigation and provide me with the results. If these accounts can not be verified or if the investigation is not conducted properly, you must immediately delete these items from my credit report and notify me of such action. 

If this matter is not resolved within the statutory time frame, I will not hesitate to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing all available legal remedies. 

I expect a prompt and thorough investigation and resolution. If you require any additional information, I am prepared to provide it, but I expect nothing less than full compliance with the law. 

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

Hello, I have fixed a problem with a XXXX acct reporting as mine several times now. It was removed from my credit twice due to dispute and now appears on my credit for a 3rd time. I have disputed previously through both XXXX and the credit burau. Now XXXX has gone backnon my credit fir the same account under a collection agency named XXXX XXXX XXXX. 
On XX/XX/20 i called XXXX XXXX XXXX and explained what was going on. she told me I had to dispute through the credit bureau again. Please stop this cycle and correct my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX contacted me with a credit bureau report about a balance from XX/XX/XXXX, over 18 years ago. I am aware this is well past the statute of limitations to collect on and as well to report to the bureaus. To have this currently being reported on my credit score is not only incorrect but also a violation of the collection agency to still be reporting and/or collecting on.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


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

I have a hard inquiry from a company I dont recognize on my credit report and it is affecting my score negatively.
Product: Credit card or prepaid card

Navy Federal has taken adverse action against me and has discriminated against me and closed my credit card account and also marked my consumer report as a closed account. I am asking Navy Federal to cease and desist all forms of communication including them reporting negative information onto my consumer report. Navy Federal has violated my federally protected rights and has violated my right to privacy Navy Federal can see my cease and desist letter in the attached form and remove the account completely from my consumer report as it is a form of communication per the Fair Debt Collection Practices Act.
Product: Debt collection

Collection Agency : Amsher Collection Services XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of an Automotive loan that was opened 01/29/25 under the account number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) .This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX XXXX account number 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, credit repair services, or other personal consumer reports

During the COVID-19 pandemic, numerous individuals, including myself, have faced financial challenges due to the economic downturn and various hardships caused by the unprecedented circumstances. In light of these circumstances, it is crucial that accurate information is reported on credit files, reflecting the accurate financial standing of individuals during these challenging times. I am writing to dispute the inaccurate information that has reported on my credit file, which is in violation of the provisions outlined in 15 U.S Code 1681s-2 ( a ) ( 1 ) ( f ) Responsibilities of furnishers of information to consumer reporting agencies which states : ( F ) Reporting information during COVID19 pandemic ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 
The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

President Biden ended the Covid-1XXXX Emergencies on XX/XX/XXXX which means covered period ( bb ) applies in regards to these inaccurate accounts. I attached dispute letter pertaining regarding the account i'm referring to.
Product: Money transfer, virtual currency, or money service

Once again, I find it necessary to complain about a problem I am having with Synchrony Bank, Servicer for Pay Pal, Inc regarding suspected charges ( {$19.00} and {$49.00} for " XXXX  '' ). This time, Pay Pal referred me to a phone number at Synchrony which, at first could not identify my account and subsequently cut off the calls. This is not the first time I have found it necessary to complain about this institution - refer to XXXX ( misapplied payment never resolved ), XXXX ( improper Credit Bureau hard inquiry ) and XXXX ( unauthorized charge ) to name three recent issues. Since I am finding it to be impossible to work with Synchrony Bank, this asks for assistance in obtaining credits for these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2022, Experian emailed me a response to my complaint via cfpb stating they contacted the creditors and they verified that accuracy of what was reported on my investigative consumer report was indeed correct and factual. Since the creditor stated it was correct and factual Experian said they will not remove the information/accounts. That is a direct violation of 15 USC 1681a ( e ), which states my consumer report should not include any factual information obtained directly from the creditor or from another consumer reporting agency.
Product: Credit card or prepaid card

I have not received a statement for this account in over six months and they have not attempted to call me to advise the account as past due. I have advised them i was not getting any statement via mail or email. I have checked with my postal service as well as check all folders in my email to make sure that i was not switch to email statements. This account has now been reported.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete credit reporting. I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Monthly Payment : TransUnion and XXXX report {$4700.00}, while XXXX shows {$4700.00}, creating discrepancies in my financial obligations. 
Number of Months ( Terms ) : TransUnion and XXXX list XXXX  months ; XXXX inaccurately lists XXXX. 
Date Last Active : TransUnion : XX/XX/year> ; XXXX : XX/XX/year> ; XXXX : missing date altogether. 
Two-Year Payment History : XXXX and XXXX show 120 days late in XXXX and XX/XX/year> ; TransUnion does not report these delinquencies. 
Comments : XXXX : CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. 
XXXX : Real Estate Mortgage FHA mortgage. 
TransUnion : No comments reported. 
Legal Bases for This Dispute 15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information Under 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies ( CRAs ) must reinvestigate the disputed information within 30 days of receiving this notice.

The CRAs must also forward all relevant information regarding my dispute to the furnisher, as required by 1681i ( a ) ( 2 ).

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy CRAs must follow reasonable procedures to ensure that information in consumer reports is as accurate as possible. Reporting conflicting or missing data ( e.g., different monthly payments, missing dates, varying delinquency histories ) violates this requirement.

15 U.S.C. 1681s-2 Responsibilities of Furnishers Furnishers ( in this case, XXXX XXXX ) must not furnish information if they know or have reasonable cause to believe it is inaccurate ( 1681s-2 ( a ) ( 1 ) ( A ) ) or if the accuracy can no longer be verified after proper notice from the consumer ( 1681s-2 ( a ) ( 1 ) ( B ) ).

15 U.S.C. 1681i ( a ) ( 5 ) Correction or Deletion If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, it must be promptly corrected or removed from my report.

15 U.S.C. 1681i ( d ) Notification of Results CRAs must provide me with the results of the reinvestigation and a revised credit report if any changes are made.

15 U.S.C. 1681g ( a ) Disclosure of Information I have the right to request all documentation used in verifying the accuracy of the disputed items.
Product: Debt collection

XX/XX/2022 a judgement was filed against me. Before this all happened I tried to resolve it but got no where they kept leaving threatening messages and everything.. After I said I had no money.. Portfolio recovery. The amount was XXXX they threatened to have it on my credit report..
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XXXX, 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 ( ii ) 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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights & XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # 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 card or prepaid card

I was mislead by Apple Mastercard aka Goldman Sachs to close my account in order to get XXXX interest as I am facing financial difficulties due to low income and XXXX XXXX. A team instructs me to close it and garentee no interest will be further charge and I will speak to a financial representative to plan an affordable monthly payment as I asked for a financial assistance program. However now they closed my account and said the team wasnt trained properly so now I find my self with penalties on my credit score with high balance credit card close and monthly high interest which I cant afford. I although I complain several times to their management nothing has done. I need to file a complaint to cut to XXXX interest for misleading and restore my credit score
Product: Credit card or prepaid card

Paid amount owed in full per the statement + online statement transactions. 

Was charged {$31.00} in interest after fulfilling the statement obligation. 

I called customer service and they were unwilling to explain or document how I could have paid the account to avoid interest. I asked where it was on my statement that I would owe additional monies after paying the balance in full. They said it wouldn't be on the statement and was " general knowledge ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this 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 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this 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 Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete this accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviey a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I have been attempting to close my account with Coinbase.com However there is {$1000.00} dollars in cash in the account that Coinbase is not giveing back to me. 

I was told to move all my assets off the site, and I tried to and all my digital assets I moved off, However they have Coinbase Pro and that is where my {$1000.00} is and there is no option for me to deposit that money into my bank account. They also dont respond to any of my emails. They are robbing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 My most resent consumer credit report is attached. 

Equifax is violating the Fair credit reporting act laws. I am requesting monetary relief. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] I HAVE A RIGHT TO PRIVACY. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I DID NOT GIVE EQUIFAX ORAL OR WRITTEN PERMISSION TO PUT A BANKRUPTCY ON MY CREDIT REPORT. 

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ]. 
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agency may make any consumer report containing ANY of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. [ THE DATE OF ENTRY ARE SHOWN ] THE DATE OF ADJUDICATION IS SHOWN ALSO ] 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] THIS BANKRUPTCY WAS NEVER DISCLOSED TO ME. 

607. Compliance procedures [ 15 U.S.C. 1681e ( b ) Accuracy of report 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. 
I REQUESTED EQUIFAX TO CHECKED THE ADDRESS THAT WAS REPORTING WITH THE BANKRUPTCY TO VERIFY THE IF THE BANKRUPTCY WAS MINE. EQUIFAX DID NOT VERIFY THE ADDRESS. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
AS YOU CAN SEE THIS BANKRUPTCY SHOULD NOT BE REPORTING DUE TO INACCURATE INCOMPLETE AND CAN NOT BE VERIFIED BY ITS ADDRESS. 


615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ADVERSE ACTION WAS TAKING WITHOUT NOTIFING ME WHEN THIS BANKRUPTCY WAS PUT ON MY CREDIT REPORT.