23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$180.00}, {$2100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
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 XXXXXX/XX/XXXX RE : DISPUTE OF INACCURATE INFORMATION CHARGE-OFF ACCOUNT To Whom It May Concern, I am writing to formally dispute the accuracy of information listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing a charge-off account listed with the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is inaccurately reported, and I believe it should be removed for the following reasons : 1. Lack of Proper Verification ( 15 U.S.C. 1681e ( b ) ) : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information contained in credit reports. This account has not been properly verified as accurate or complete.

2. Reinvestigation Requirement ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the reporting agency must reinvestigate any disputed item and promptly delete or modify the information if it can not be verified as accurate. I am requesting a reinvestigation of this account, and if it can not be verified, it must be removed from my credit report. 
I request that you : Investigate this matter in compliance with the FCRA. 
Provide documentation verifying the accuracy of this account or delete it from my credit report.

ALSO, I REQUEST TO FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER AND EMPLOYER LISTED ON MY REPORT. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


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

This account is showing inaccurate with different dates of last payment and activity on all three agency's/ I request that this account be removed from my credit report.
Product: Money transfer, virtual currency, or money service

Tried to submit a check to Bank Of America, under my name but to my husband 's account, they didn't even called or anything and denied to proceed with it, until we found out nothing got done and my husband was charged for it, after fighting about it and submitted 2 claims, they sent us a " Legal copy check '' and I took it to my bank ( XXXX XXXX XXXX XXXX ) and after they did they're investigation, I was told Bank Of America already took the money from the check on XXXX XXXX.. Also contacted my previous landlord ( person who sent me the check ) and he contacted the bank ( XXXX XXXX ) where the check came from and he was told the check was already cashed on XX/XX/XXXX as well.
Product: Debt collection

I was never notified to verify to verify the validity of this debt..My insurance policy was up for renewal i decided to go with a different insurance company.and never should have been billed for new charges.and i still today have the same insurance company that i changed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
I have always made my payments on time. For some reason, I realized that there were a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX, XXXX and XXXX  days past due. Ive never been behind on my payment. I tried contacting the XXXX, XXXX and XXXX Credit Bureaus and the account they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX MN XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Civil Liability for Negligence and Non-Compliance with FCRA- Civil Liability under 15 U.S. Code ( 1681 ). O Dear Sir or Madam : I am writing to formally dispute inaccuracies found in my credit report, which I believe stem from your companys negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o Background and Basis of the Dispute On XX/XX/year>, I learned of inaccurate information and accounts on my credit report. After reviewing the details, it is evident that your company failed to fulfill its obligations as mandated under the FCRA. The negligence includes, but is not limited to : 1. The only name that should be on my report is XXXX XXXX XXXX. The only address on my account should be XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, MN XXXX, and the only phone number on my report is XXXX ; anything else reporting is inaccurate. 
2. I also see accounts that have been charged off, repossessions, late payments, and inquiries unfamiliar to me. Consumer Credit Laws forbid such actions of late payments 15 us code 1666.b, Charge offs 15 us code 6802, collections 15 us code 1692.g, inquiries 15 us code 1681.b. I will Include a copy of my credit report so the necessary corrections can be made. 
This failure has affected me in terms of denial of credit, emotional distress, financial loss, etc., which could have been avoided had your company adhered to the FCRAs requirements. 
Legal Rights under U.S. Code 1681o Under U.S. Code 1681o, a company found negligent in complying with FCRA requirements is liable for : 1. Actual damages sustained as a result of the failure.
2. Legal costs and reasonable attorneys fees incurred in pursuing this matter.

Requested Actions To resolve this issue promptly, I request that you : 1. Conduct a thorough investigation into the matter and provide a detailed response explaining your findings and corrective actions within 7 days of receipt of this letter.

2. Correct the identified issues and ensure compliance with FCRA standards.

3. Compensate me for the damage caused by your negligence 4. Cover any reasonable attorneys fees or other costs in addressing this matter. 
Enclosed with this letter are copies of the following documents to support my claims : Credit reports, previous dispute letters, denial letters, etc. 
Suppose I do not receive an adequate response within 7 days. In that case, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to recover damages as allowed under the FCRA. 
I hope this matter can be resolved amicably and promptly. Please direct your response to the contact information listed above. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my consumer reports with all three CRAs and each has ignored my complaint about incorrect accounts and identity theft where a collection company has used a fraudulent social security number to link an account to me. I have tried repeatedly getting this corrected with the credit bureaus to no avail. I am here to ensure my complaint is accurately processed as it should have been the first time. Having exhausted all my resources and no longer able to dispute these accounts with the CRAs Ive since obtained help from the FTC to file and Identify Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX  XXXX XXXX  XXXX XXXX, XXXX CompanyXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX XXXX I believe these unauthorized inquiries violate the provisions outlined in Title 15 USC 1681, as I have not applied for credit or sought any services from the aforementioned creditors, and therefore, these inquiries are not valid or authorized. As a consumer, it is my right to have accurate and up-to-date information in my credit report, and unauthorized inquiries can negatively impact my creditworthiness and financial opportunities.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, the accounts listed below have breached my federally protected consumer rights on accurate credit reporting. 

XXXX XXXX # XXXX is in violation of the Fair Credit Reporting Act by inaccurately reporting information to XXXX, XXXX, and Experian. Upon reviewing my credit report, I observed discrepancies in the last activity dates- XX/XX/XXXX, with XXXX, XX/XX/XXXX, with XXXX, and XX/XX/XXXX with Experian. Furthermore, XXXX  XXXX has Inconsistencies in my payment history across the three bureaus, which contravene the Federal Credit Reporting Act. For Instance, XXXX  XXXX, reported a timely payment on XX/XX/XXXX, to XXXX but failed to provide any record for the same date on Experian and XXXX. Similarly, the reported on-time payments for XXXX to XX/XX/XXXX to XXXX but omitted this information from Experian and XXXX. Additionally, XXXX XXXX 's payment history percentages differ across bureaus- claiming a XXXX  percent payment history for XXXX XXXX while indicating XXXX percent for XXXX AND XXXX Percent for Experian. These inconsistencies require immediate correction to align with the accurate reporting standards mandated by the Fair Credit Reporting Act. I would like this removed totally from my account. 

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, Have been the victim of identity theft since my wife passed away almost 3 years ago. I have attempted to work with Transunion to get all the fraudulent information off my credit file with them, Under 605B of the fair credit reporting act and they have refused to obey the law. I have filed almost 3 dozen complaints in the last 2 years against them and they give a XXXX  reply to close the file with the CFPB Because they know how to thwart the law instead of complying with the law. The CFPB closes a complaint just by getting a reply from the company instead of actually looking at the reply to see if it addresses the complaint at all. 
Please force TransUnion to remove the fraudulent name from my file, XXXX XXXX, that TransUnion claimed to a federal entity that I was this fraudster. They permanently harmed me with this lie and caused that federal entity to cease business with me. I sent TransUnion certified and stamped and notarized signed by police documents that my fingerprints did not match this fraudster. Transunion has not replied to my sworn requests, and ignored and broken the law. Please do not allow them to thwart this complaint process with the same XXXX  reply they use to close the complaint and have them obey the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX XXXX to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of XXXX ( XXXX ) dollars. The account lists XXXX  as the " Original Lender '' and " Enhanced Recovery Co L '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with Enhanced Recovery Co L. I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with XXXX. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.
Product: Credit reporting

I have requested for Equifax to provide me on how they verified information on my report. I asked the following : Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. I asked for them to not provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
And they keep sending the same response with no supporting documents or answers to my requests. No one is reviewing my file, and they must have some type of automated computer generated system in place that is managing these files. It is a crime and I need help with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX  XXXX account number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  account numbers XXXX AND XXXX XXXX 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

My capital one account have been getting many charges from unknown place the past year from really weird place and over seas. I have changed my card many times Well I could not figure out how this keeps happening. This week I paid off my credit card from capital one and ordered replacement cards than come to find out they closed my account without any notification what so ever. I called and no one seems to be able to tell me exactly why it was closed. With that being said I have come to find out that my cell phone has been being mirrored / compromised not sure for how long this has been going on but from what I understand that whoever has been doing this is able to see everything I can do and are able to act as if they were on my phone. I am in the process of replacing my phone and putting alert charges on my credit. Please advise as to what I can do to help prevent this from being done any further. Thanks again XXXX XXXX
Product: Debt collection

It is a company called RADIUs, I do not know it, I have never had any relationship with them, it is associated with identity theft, so I request that it be removed from my credit profile under the Fair Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before XXXX days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit card

We have been Lowes card holders for many years. The past 2 months ( XXXX and XXXX ) we were charged interest. We always immediately pay our card off in full almost immediately after using it. I read the card agreement and it states We will not charge you interest during a billing cycle on any purchases if : 1. You had no balance at the start of the billing cycle ; OR 2. You had a balance at the start of the billing cycle and you paid that balance in full by the due date in that billing cycle. 
I called the card company and questioned their reason for charging us and the rep told me we are charged interest immediately upon use of the card.doesnt matter if you have a balance or not. 
Theyre going against what the agreement says. We were charged {$2.00} for XXXX and {$2.00} for XXXX and we never carried a balance.always paid it off.