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

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account NumberXXXX Creditor Name : XX/XX/XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XX/XX/XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XX/XX/XXXXXXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ Creditor Name ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XX/XX/XXXXXXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

I called, emailed and sent letters out to the credit bureau disputing these fraudulent activities and nothing has been removed. I asked them to remove because it's fraudulent activity that was never authorized by me. Nothing has been done. 

XXXX is reporting XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. Never authorized by me. 

Transunion is reporting XXXX XX/XX/XXXX XXXX/XXXX/XXXX and XX/XX/XXXX NEVER authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card at my bank today XX/XX/19 and I was not approved because there is an account reflecting badly on my credit report. This account is not mine ' I did not open it and i have never given anyone permission to open this account on my behalf. I don't know who this account belongs to nor who could have stolen my personal information to open this account with my personal information but I have already filed a police report. I did not benefit anything such as goods, services or any other benefit from this account and I did not take part in any payments, purchases or any other transaction with this account. I also do not have any contract or relationship with this company.
Product: Credit reporting or other personal consumer reports

Hi, thanks for taking the time to read this and trying to help me I was diagnosed with a XXXX XXXX and had XXXX to remove it, I asked to have my bills sent to my office so that they can make sure the bills are paid in the interim. Unfortunately, this company didnt forward the bills and I got one late mark on my credit report which is really hurting my score
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter about inaccurate accounts showing on my credit file and asked for an investigation. It has been almost four months and I still haven't received a response in the mail. This is way past the time that the FCRA allows!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX Acct # : XXXX - {$340.00} XXXX XXXX Acct # : XXXX - {$300.00} XXXX XXXX XXXX  XXXX Acct # : XXXX XXXX {$330.00} XXXX XXXX XXXX Acct # : XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX XXXX Acct # : XXXX - {$300.00} XXXX  XXXX XXXX XXXX Acct # : XXXX - {$340.00} XXXX XXXX Acct # : XXXX XXXX {$650.00} XXXX Acct # : XXXX - {$1400.00} XXXX XXXX  XXXX Acct # : XXXX - {$620.00} Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit card or prepaid card

A credit inquiry was made through XXXX by Comenity Capital IKEA XXXX  on XX/XX/23. I had this inquiry removed from my credit report. Another credit inquiry was made through XXXX by CCB Bread Cash Back on XX/XX/23. I'm currently in the process of having this inquiry removed, however XXXX requires an FTC fraud report number and a police report number to remove the inquiry. An identity verification occurred on XX/XX/23 through XXXX by Alliance Data. I found that 2 accounts were opened. One for a credit line of {$10000.00} and another for {$7500.00}. I had Alliance close both accounts. I have placed a freeze and fraud alert at all three credit bureaus.
Product: Checking or savings account

I was an XXXX with Bank of America from XX/XX/XXXX to XX/XX/XXXX. While I was XXXX I opened an XXXX bank account which included a free safe deposit box. Shortly after I left the firm I closed my accounts which included the safe deposit box. I never put anything in the box or used it. I didn't receive any follow up correspondence from the bank alerting me of any issues. Around XX/XX/XXXX, 8 years later I opened a business account jointly with 2 partners. Shortly thereafter and for the last 2 years I have been receiving invoices for payment of this safe deposit box. I have called at least 3 different numbers to try and resolve this. The representatives have been unable to assist in any way and keep passing me around. I wrote a letter directly to the branch a few months ago and have received no response. Just another invoice adding late fees. They have completely disregarded my fairly simple explanation and have provided no reason why I suddenly starting receiving invoices.
Product: Credit reporting or other personal consumer reports

I sent certified letters to companies requesting information to be deleted and corrected. On XX/XX/2023 and on XX/XX/2023 I mail letters requesting correct errors.
Product: Credit reporting or other personal consumer reports

I was never contacted by any debt collector or any company regarding any bills. I tried to contact them and have it fixed. They had different phone numbers and addresses that were incorrect. I disputed every single one of them about a year ago and nothing happened. They didn't contact me or anything. Also had some debt collectors threaten to put me in jail. 
Everything is inaccurate and they state that everything is accurate without showing any proof!
Product: Credit reporting or other personal consumer reports

Under FCRA Section 605 ( c ), it is illegal for creditors, collection agencies, and credit bureaus to re-age an account by updating the date of last activity to extend the time negative information remains on a credit report. Violators can be fined {$1000.00} for each account.

The date of last activity on a collection account should reflect the last payment date. Reporting inaccurate information is a violation of federal law.

Upon investigating the accounts and cross-referencing the data from the original sources with the information reported to all three major credit bureaus, I am attaching copies of all letters sent below. 

I request an immediate investigation and correction of these discrepancies. Please respond within the 30-day period as required by the FCRA.
Product: Checking or savings account

Used ZELLE for business and personal purposes. Unfortunately was a victim to fraud and also safe handling of my funds due to network issues. I lost out on thousands of dollars as collectively because of the network / safe guard and or protection issues in regards to ZELLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX. 
Account XXXX XXXX Account # XXXX 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX loans is still reporting a balance of over {$160000.00} on my credit reports. I disputed, and they finally corrected one report, but then it reappeared. I have submitted the letter from the Biden Administration forgiving my student loans. I have confirmed that my loans are indeed forgiven. It has been over 6 months, and XXXX has been put on notice that they are violating credit reporting laws by continuing to report a balance owing. I have requested several times that they correctly report the information to all three credit bureaus. By inquiring online, this seems to be an ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please delete these accounts.
Product: Credit card or prepaid card

When I obtained a mortgage with Bank of America many years ago, I was told that I had to accept a credit card with it. I used that credit card on occasion but stopped using it a few years ago with about {$10000.00} on it. Sometime after that I received a letter that Bank of America was cancelling the card. I have been paying the balance off regularly over the past few years and now there is less than {$2000.00} on it. I always pay more than the minimum balance, how much more depends on other bills each month. I usually pay well before the due date on the bill, which is the XXXX of the month. In XXXX, 2021 I paid the bill due XX/XX/XXXX on XX/XX/XXXX. Then I paid the bill due XX/XX/XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that they had not received a payment for XXXX. I called and explained that I had paid the XXXX payment on XX/XX/XXXX and was told that any payment received before the XXXX of the month was credited to that month and not the upcoming month. So I asked them to apply the payment they received on XX/XX/XXXX to the XXXX month, to remove the late payment fee, and to make sure that my account reflected that the payment was made on time. I was told they could not do that. Evidently they considered the problem to be my fault for sending the payment too early. I was told that the billing period of XX/XX/XXXX-XX/XX/XXXX was printed on the bill. It is, but it is not identified as the billing period, and nothing is there to indicate that paying before XX/XX/XXXX will cause this issue. There is a late payment warning and a total minimum payment warning, but no early payment warning. The only way they could rectify the problem was to refund that payment and then I could resubmit it. If that is really the case, then whoever set up their system either was supremely stupid, or did it on purpose to maximize fee collection. I was given no assurance that they would make it clear on my record that the payment was not late, even though I asked for it several times. 

The annual interest rate that I am paying on this balance is 31.42 %, for reasons that I do not understand. I have been paying on this bill regularly for years, but when I asked that the interest rate be reduced I was told that it could not be, because the card had been cancelled. Bank of America cancelled the card, without warning to me, with the interest rate set at usurious. Is this even legal?
Product: Vehicle loan or lease

Starting with a loan that was approved from Lenmark Loan Company located in XXXX XXXX in XXXX. The numbers that was giving for proof income from the dealership was inputted incorrectly for approval. An agreement between XXXX XXXX located in XXXX XXXX XXXX Overhaving the bike over a course of time, the bike was reported stolen and XXXX paid out the loan company. Instead of closing and stopping the loan. The loan company decided to add-on charges and late fee to an payment prior to the statement publishing. Lenmark Decided to carry on this case through the courts but the court system kicked it out. Due to false provided information. I am asking to start an investigation due to false information and excessive late fees and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law this was not sent in error. my information was misused and I still have an account on my report that I have sent multiple letters and FTC reports in to be removed an account i recently sent was deleted but the other still remains, so what is being reported is not 100 % accurate. XXXX was removed but XXXX XXXX still hasn't
Product: Debt collection

On XX/XX/2024, I received a collection notice from Apelles LLC to collect a debt allegedly owed to XXXX XXXX XXXX XXXX. I have disputed this balance with XXXX for the past several years as it is the result of credit card fraud. Apelles LLC is attempting to collect a debt that is not owed because it is the result of identity theft. To ensure that Apelles can not claim that I did not dispute the debt in a timely manner, this complaint will serve as proof of that correspondence and proof of documentation provided to support the dispute. I formally request that if Apelles LLC is unable to provide certified proof that they OWN this debt, they cease and desist all communications and collection attempts. I have no contact nor contract with Apelles LLC. If Apelles LLC does own the debt, they are required to provide documentation as required by federal law to prove that I owe the debt due to my reporting of identity theft.

Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account via USPS CERTIFIED MAIL : 1. Application records or screen prints of Internet/phone applications 2. All stat
ements 3. All payment/charge slips 4. Investigators summary 5. Delivery addresses of purchases made with the card/account 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and individual charges 8. Any other documents or records associated with the account Please send me a letter via USPS CERTIFIED MAIL detailing the actions you have taken to : 1. Notify the original creditor that the debt is the result of identity theft ; 2. Stop collection proceedings against me ; 3. Cease reporting this information to the credit reporting agencies ; 4. Provide me with the information I am requesting ; and 5. Take all actions required of you as a furnisher of information to credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I was sent a transfer from the XXXX to XXXX on XX/XX/2022. 
Sender : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Beneficiary : XXXX XXXX XXXX XXXX 's bank XXXX " XXXX Bank XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX CHASE XXXX TRACKING NUMBER XXXX Amount {$900.00}. 

The recipient 's bank was told to look for a transfer of funds from you because they did not enter their account. Tell me when they will do it and if they will do it at all? Thanks My e-mail : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX, Equifax and XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no resolution or corrections.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Terms Duration has missing information and XXXX Compliance Condition Code : questionable date please delete error. 
I have unauthorized inqiures with companies that I have never apply for any accounts for business or lines of credit with please delete the following inquires : 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 PLEASE DELETE THE FOLLOWING ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX
Product: Credit card or prepaid card

I've tried several attempts to get Synovus Bank to remove their reporting error. They have simply ignored their wrong doing and fraud information rhe United States government. I have had no credit card account with Synovus Bank for over ten years. I opened an account back in XXXX and legally settled the debt back in XXXX. The account dropped off my credit file within the appropriate time frame.Years later Synovus has put this old account back on my credit in which first appeared on my file as of late XX/XX/XXXX. Some one appeared to make up dates of missing payments since XXXX and settled out as of XX/XX/XXXX because I haven't applied for credit with Synovus nor have I had a Synovus credit card account in over a decade. They are frauding the United States government by putting this legally settled over ten years ago back on my credit file debt again and to file it as bad debt with the Internal Revenue Service. They are lying and someone is stealing money in their department and frauding XXXX people accounts. They have been very discriminating in their credit practices. are trying to humiliate and destroy my credit well-being to protect someone in their company who is stealing and fraud in the United States government.