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

I am writing to formally express my concern and dissatisfaction with the recent investigation conducted by your bureau regarding a disputed late payment on my account with XXXX CARD, account number ending in XXXX on XX/XX/year> I submitted a request for investigation, clearly stating that I have never been late on any payments for this account. I provided you with the necessary details, including my expectation that your agency would conduct a thorough investigation and provide either proof of the alleged late payment or update the record to reflect that all payments were made on time. 
To my dismay, I was informed that your investigation concluded the late payment was " verified '' without any proof or supporting documentation provided to me. This response is both unsatisfactory and concerning, as it suggests a lack of due diligence in your investigation process. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and to conduct a reasonable investigation when a consumer disputes the information. The failure to provide proof of the late payment or to correct the error is a clear violation of these responsibilities. 
I demand that this matter be re-investigated with proper attention to detail, including : XXXX. Providing documented proof of the alleged late payment, such as account statements or communication from the creditor. 
XXXX. Correcting the inaccurate information on my credit report if proof can not be provided, reflecting that all payments were made on time. 
XXXX. Providing a detailed explanation of the investigation process that was followed and the specific steps taken to verify the information. 
Please consider this letter a formal complaint. I expect a response within 15 days, as stipulated under the FCRA. If the matter is not resolved to my satisfaction, I will have no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Thank you for your prompt attention to this matter. I look forward to your swift and accurate resolution of this issue.
Product: Credit card or prepaid card

I approved a chase ink preferred credit in XXXX. which is promotion XXXX points after XXXX spending in 3 months. I do see another offer XXXX points after XXXX spending when I received the credit card. I called customer service they told me I can match this offer when I finish My XXXX qualification. When I done for the qualification at XXXX. I called their customer service again. They changed mind they said I do not qualify this promotion. I used their credit cards and bank account almost 10 years. They are always my trustful bank since this happened. I think they promise this offer, they should honor what they said.
Product: Checking or savings account

On XX/XX/year> an unauthorized transaction occurred for XXXX in the amount of {$330.00}. I got a fraud alert in a text message from my bank. I immediately called Huntington Bank fraud dept to report it, cancelled my debit card and got a new card mailed to me. I filed a dispute and they refused to refund my money. Someone I thought was from Huntington Bank called to verify an XXXX text that I received. Info given as I don't even use XXXX. I was scammed.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against JPMorgan Chase Bank regarding their handling of a fraud case involving my Chase credit card. Despite my prompt reporting of fraudulent charges totaling approximately {$14000.00}, Chase has failed to take appropriate action to protect me as a customer. 

On XX/XX/year>, I reported unauthorized transactions on my account within 30 days of their occurrence, as required by Chases fraud protection policy. I have also filed police reports in XXXX jurisdictions where these transactions took place, providing all necessary documentation to Chase. 

However, to date ( as of XX/XX/XXXX ), Chase has neither contacted the police departments involved nor taken steps to reverse the fraudulent charges. The police are reportedly close to making an arrest, but Chases inaction is hindering progress. This lack of cooperation from Chase is particularly concerning given their public claims of robust fraud protection for their customers. 

It is critical that Chase fulfills its responsibility by : Immediately reversing the {$14000.00} in fraudulent charges on my account. 
Actively collaborating with law enforcement to apprehend those responsible. 
Contacting the vendors where the fraudulent transactions occurred to obtain and review security footage. 

My family and I have done everything within our power, but the investigation 's progress now depends on Chases willingness to act. We believe it is essential for Chase to uphold its advertised protections and take decisive action against the actual criminals. 

I would greatly appreciate your assistance in ensuring that Chase Bank honors its obligations and provides the necessary support to resolve this matter. 

Thank you for your attention to this urgent issue.
Product: Debt collection

i have a duplicate debt on my credit report from the same collection company for the same amount and i've never seen a bill for either but i was only in the hospital once so there should not be 2 collections with the exact same amount. I have tried to get them to send me confirmation of the debt but i only get it for one of the bills and not for the other but there is 2 on my credit report. I am asking for help to get them to remove the one of the collections with the 3 credit bureaus since they can't provide me proof of both. Anything you can do would be greatly appreciated. Thanks
Product: Credit reporting or other personal consumer reports

My information was exposed in data breach I am a victim of identity theft please remove these accounts within four business days under section 605b.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX  XXXX XXXX Case Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXXhas violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Debt collection

A-1 Collection Agency, LLC is pursuing payment from me in the amount of {$28000.00} on behalf of my deceased husband, XXXX XXXX, for services provided at the XXXX XXXX XXXX in XXXX XXXX, Colorado. My late husband had his own health insurance and these medical bills should have been covered under his healthcare plan. I was not a guarantor on his health insurance account ; I was not a co-signer ; this was not a joint account, nor did I sign any documents on his behalf. I am not a beneficiary to any of his estate that would cover any outstanding balances due on his behalf because there is no estate. I have attached a copy of the statement from A-1 Collection Agency, LLC, XXXX. XXXX XXXX, XXXX XXXX, Colorado XXXX XXXX - and have high-lighted the line item reflecting the {$28000.00} medical collection. I have tried to communicate directly with A-1 Collection Agency, LLC and explain to them that I am not responsible for this debt. Colorado is not a community property state and I am not a guarantor on this insurance bill so consequently this debt does not belong to me. A-1 Collection Agency, LLC is relentless in their pursuit to collect this outstanding debt and they are doing so illegally. I receive multiple phone calls throughout the day and evening. Pursuing a collection from me in the manner in which A-1 Collection Agency, LLC is operating is a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, as amended in XXXX, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suite may be brought within one year against the debt collection company as well as the individual debt collector for damages and attorneys fees. In summary, this account does not belong to me and I am not responsible for this debt. A-1 Collection Agency, LLC needs to discontinue their unsubstantiated pursuit against me for this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX Balance : {$3700.00} XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires on my credit report of which I do not recognize and would like them to be removed due to the privacy act, and due to the lack of written consent to release this information to the credit bureau. 
XXXX XXXX  Date : XX/XX/XXXX Equifax, XXXX, XXXX XXXX Date : XX/XX/XXXX Equifax, XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX Equifax, XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX Equifax, XXXX, XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Equifax, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Agency : I am writing to formally request the removal of an unverifiable and inaccurate account from my credit report as reported by XXXX, Experian, and XXXX. This account, XXXX XXXX XXXX XXXX in the amount of {$11000.00}, has been investigated and subsequently deleted from my XXXX credit report as of XX/XX/year>. 

As mandated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain maximum possible accuracy in their reporting. XXXX has verified during their investigation that this account is unverifiable and has deleted it from my credit file. Therefore, this same standard of accuracy and verification applies to your agency, and you are now required to follow suit in accordance with the FCRA. 

Additionally, 15 U.S. Code 1681i ( a ) obligates you to reinvestigate and remove any disputed information that can not be verified within a reasonable period of time, typically 30 days. The deletion of this account by XXXX constitutes sufficient evidence that this account can not be verified and, thus, can not legally remain on my credit report. 

Please consider this letter as my formal dispute of this account with your agency. I kindly request that you take the following actions : Delete the XXXX XXXX XXXX account entirely from my credit report within 30 days or less. 

Provide written confirmation that the account has been removed or the results of your investigation. 

Failure to comply with this request within the specified time may result in my pursuing legal remedies, as permitted under 15 U.S. Code 1681n and 15 U.S. Code 1681o. These provisions of the FCRA allow me to seek damages for noncompliance, including but not limited to statutory damages, actual damages, court costs, and attorney 's fees. 

I have attached a copy of the updated XXXX credit report reflecting the deletion of this account for your reference. Please consider this documentation as evidence in support of my request. 

I look forward to your timely compliance and written confirmation of the removal of this account from my credit report. Should you require any additional information to process this dispute, please do not hesitate to contact me using the information provided above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Webster " upgraded '' their computer system after merger. In reality, implemented a brand new system. None of the information from the previous system was transferred. I had the account # and routing # for a checking account that was not moved over. Likewise, I had a recurring automatic payment from that checking account set up. It was not moved over to the new system. 
When the payment wasn't automatically processed, the bank had the audacity to call and leave a voicemail message on our phone from the collections department with all the standard verbal threats. 
Adding insult to injury, they applied a late charge on the payment. 
I have called three times, talked to over 15 staff members, and been promised a call back by a customer service supervisor three times. I have yet to receive a single return call.

This was one of the worst IT implementations I have ever seen.
Product: Mortgage

Nationstar Mortgage Trustee File Number XXXX Loan No. XXXX Currently in litigation with Nationstar over the wrongdoing on my mortgage. Was told this sale would be stopped yet its still showing as active and now they state it will not be moved. 

This property is listed incorrectly on the Notice of Sale. Nationstar is attempting to sell my two unincumbered parcels with the incumbered parcel with no legal standing to do so.
Product: Credit reporting or other personal consumer reports

The accounts listed below keep coming back as accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( Case Number : XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries are unauthorized and unverified but keep coming back as accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally request your assistance regarding an issue I have encountered with Bank of America concerning a 30-day late payment reporting on my account, which I believe to be unjustified due to an incomplete investigation on their part. I received a notification from Bank of America indicating that my account had been reported as 30 days late. However, I want to clarify that the invoice in question was paid in full and on time. It appears that additional fees were subsequently added to my account without my knowledge, which has contributed to this erroneous reporting. I have attempted to resolve this matter directly with Bank of America, but I have not received a satisfactory resolution. I believe that the 30-day delinquency reported on my credit history is not only inaccurate but has also negatively affected my credit score. I kindly request that you investigate this matter further and advocate on my behalf for the removal of the 30-day late payment from Bank of America 's reporting. Additionally, I would appreciate your assistance in having the additional fees waived, as they were added without my consent or proper notification. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  ) I was never late on these accounts and should not have any late paymetns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT IN DISPUTE XXXX XXXX XXXX REPORTED BALANCE {$1000.00} ACCOUNT OPENED XX/XX/XXXX TERM XXXX XXXX  ( WAS EXTENDED AN ADDITIONAL 6 MONTHS TO 42 MONTHS ) Account was payed in full in XX/XX/XXXX with zero late payments I returned the car in XX/XX/XXXX and leased a new car from XXXX Newly leased car paid in full with XXXX late payments. 

In XX/XX/XXXX XXXX reported a balance on the original lease, two months after it was turned in. 
XXXX has reported late payments from XX/XX/XXXX till present, and erased all payments from XXXX to XXXX XXXX posted that I have been delinquent for 42 months of payments to credit bureaus I have attempted to speak to XXXX, where I have been verbally abused, hung up on, and laughed before being hung up on. 

When I dispute charge with Experian or XXXX XXXX, XXXX insisted and shows a piece of paper with the balance on it, but refuses to say what it is for. 

XXXX further sabotages my credit score by continually opening and closing the account. 

XXXX repeatedly leaves messages at the credit bureaus, then erases them. 

I asked for the XXXX XXXX XXXX to find out what is happening, but XXXX never responded. The XXXX has given them an F rating, and 173 consumer complaints at their site gives XXXX 1 out of 5 stars. Consumers complain that they are unable to give them Zero stars. 

At XXXX more of the same. XXXX XXXX is an aberration and needs to be investigated Now I am asking you for help, as XXXX has ruined my credit. I attempted to refinance my house over the last year and XXXX is costing me tens of thousands of dollars with this little game they are playing. 


WHAT IS THIS FOR? WHY IS THERE A BALANCE WHEN IT WAS PAID OFF IN XX/XX/XXXX AND A NEW LEASE STARTED? WHY ARE YOU SHOWING XXXX AS THE LAST PAYMENT?
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue I've encountered regarding my ability to access my XXXX XXXX online through your platform and other third party websites. Despite being a valued customer and diligently managing my credit, I have encountered difficulties in accessing my XXXX XXXX online. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant credit laws. These laws emphasize the importance of accurate and timely access to credit information, which is crucial for informed financial decision-making. I believe it is my right to access my XXXX XXXX through your online platform, as stipulated by credit laws that govern credit reporting agencies like XXXX. I would like to draw your attention to the fact that the FCRA requires credit reporting agencies to provide consumers with access to their credit scores, enabling them to stay informed about their credit standing.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX, paypal/venmo sent me an email with no warning saying I was " permanently banned '' because my account was " a risk ''. I have called twice and communicated by messaging twice over the past two years and they refuse to provide any information at all. They would occasionally send me emails saying they were waiting for information, but not saying what information or how to provide it. I have been given no chance to appeal or even any idea of what I'm appealing. They have a virtual monopoly since the system relies on network effects.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

1 ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not made by me. 

2 ) Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX This inquiry was not made by me. 

3 ) Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX This inquiry was not made by me. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$590.00}