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

I am writing to formally dispute certain accounts listed on my credit report. Specifically, I am challenging the validity of these accounts as I have not been provided with adequate proof of the alleged debts. 

Under the doctrine of estoppel by silence, as cited in Engelhardt v. Gravens, Mo 281 SW 715 719, the absence of supplied proof allows me to presume that no such proof of the alleged debt exists. Therefore, I contend that these accounts should be removed from my credit report. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that TransUnion initiate an investigation into these accounts and provide me with written confirmation that these accounts have been removed from my credit report. If you find that these accounts are indeed valid, please provide me with all documentation that substantiates the debts. 

Please consider this letter as my formal dispute under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance.
Product: Credit card or prepaid card

I am trying to close my account with HSBC and was informed today that the process of account closing is done entirely without documentation -- it is done verbally, over the phone. This is incredibly bizarre to me. I asked for any kind of documentation for my own records about closing the account and was told there is none. That is really shady, even for HSBC.
Product: Credit reporting or other personal consumer reports

This company obtained by credit report without my permission on XX/XX/year>. This is a violation of my identity and I would like the inquiry removed from my credit report from all three credit reporting bureaus.
Product: Debt collection

I no longer want to dispute this account because I am trying to get my insurance company to pay the bill and was told by XXXX at commonwealth that they will not remove the dispute comment until I pay the account in full. I also can not get XXXX to remove the comment because the creditor placed the comment. There are XXXX accounts that need the comment removed
Product: Debt collection

Between XXXX and XX/XX/2016 I gave my apartment manager 30 day notice Verbally, she failed to mention it had to be written, she said ok I'll send you the paperwork for it. 2 weeks later she said she forgot, and then tried to charge me {$2000.00} extra after my father and primary applicant paid the last months rent. I had no damage to the apt . whatsoever and she took the whole {$2500.00} security deposit. My father, nor I was notified that she was going to sue. She knew we were just getting on XXXX XXXX XXXXXXXX XXXX, and that's why we were moving. My relative was the primary applicant, and paid each months rent and any late fees. She knew I had no income and was pregnant. Why am I being punished. Not only can myself, my husband whose a vet, and our XXXX children loose our housing voucher, but we could be homeless soon since I cant get approved to move into a new home. We are getting Denials, and we have a few weeks left to find a place. The manager made false accusations regarding what the security deposit was used for. The last almost 3 years we have been doing great with our landlord who would vouch for us as being good tenants, and plans to give us partial security deposit back. If I could get help with this, it would be greatly appreciated. This has been unfair and unjust. Thank you.
Product: Debt collection

XXXX XXXX ( XXXX ) DOB : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX {$1100.00} This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have 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: Debt collection

Paid off the account in full, to original creditor XXXX, as was turn over to collection agency, so I disputed the to all credit bureau that I do n't own any money, requested to have those collection agency removed, during investigation result that collection agency said I still own money as it MCM Midland Credit Management , Inc . I send them a copy of my on line banking payments proof from Credit Union which I made electronically payments, as printout so clear and legal documents from my credit union payment transactions, as it was n't good enough for them no matter it statement as proof. so send them another copy hope it to right person to contact the original creditor to verifies payments posted to account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report recently after being denied an extension of credit due to reported late payments. Consumer reporting agencies have a duty under federal lawto report consumer information as accurately as possible. The items in this dispute have different information reporting across all bureaus which is a violation and not reporting 100 % accurate as required by law. I have never been late on payments for the account listed in this dispute. By law they must produce proof with statements proving that these payments were late as required. If they do not provide sufficient proof then this constitutes noncompliance and is a violation under 15 US Code 1681i ( e ).

I sent my initial letter to the credit reporting agency on XX/XX/2023 informing them that there was inaccurate information and that they had 30 days to do investigate per the FCRA and failed to investigate in the allowed time frame. I sent a demand to comply letter XX/XX/2023 informing the credit reporting agency that they failed to follow procedure and that I never received investigation results and they still refuse to investigate and send me results.

More than 60 days had passed so I drafted an affidavit of facts on XX/XX/2023 outlining all the violations they committed and sent to the CRA along with a CFPB complaint. The company responded via the CFBP complaint portal that they have 60 days to respond. It has been more than 90 days since my initial notice which is more then allowed under the FCRA. I am demanding the items in this dispute be removal immediately and my affidavit is rebutted as required under law now!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received a letter from XXXX XXXX stating they deleted the bankruptcy that was showing on my credit report off because they couldnt verify the account so it was deleted! I called & spoke with a CSR to let them know what was going on but I was getting attitude & saying what they couldnt r not gone do! Its very unprofessional & rude to customers who is trying to resolve a problem!
Product: Money transfer, virtual currency, or money service

I met this guy on XXXX that was a mobile body shop. I sent him a picture of the dents in my car and he said that he could remove them. He came to my home and placed some pink paste on the dents. He told me that I couldnt remove the paste for 48 hours. He wanted payment prior to the paste being removed. Once I removed the paste, I realized the dents were still there. I contacted him and explained and he said he would come the following week but I told him I was in the process of selling my car and wanted a refund and was willing to accept a partial refund. He stopped responding to my messages and eventually blocked me. I reached out to cashapp and sent screenshots of our text and photos of my car so that I could receive a refund. Cashapp is saying they cant refund me due to payment being completed after I explained to them that I was scammed.
Product: Credit card

I recently applied for an American Express XXXX card and was denied. I received the Adverse Notice to my email. The reference # is XXXX. This factors on the adverse notice are discriminatory and violate the Equal opportunity act. I provided my social security number to extend credit based on law 15 USC 1602. My social security number has already funded this transaction the moment my credit was ran. According to 15 USC 1411 & 15 USC 1611, I have a right to my unlimited credit and any withholdings to my securities is securities fraud and violates the Consumer Protection Act. You can not run my credit and not provide a benefit to me via 15 USC 1602 ( P ), means a use of a credit card also as in my SSN by a person other than a cardholder who is me does not have an actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Signed ALL CAPS ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE SEEN INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING THOUGH IT WAS ALREADY DISPUTED SEVERAL TIMES. I AM SO FRUSTRATED BECAUSE UNTILL NOW, NO ACTION ARE BEING TAKEN BY XXXX AND TRANSUNION. 

XXXX : Personal information incorrectly reporting : Incorrect Name - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The status of this account is inaccurate : XXXX XXXX XXXX XXXX - Account in violation of the FCRA 15 U.S. Code 1666- CORRECTION OF BILLING ERRORS. The creditor failed to reflect properly on a statement a payment made by me. - Please investigate the late marks on this account as these are incorrect. Please provide documents presented to you when this was reported or REMOVE. 
This inquiry was not authorized : XXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report. 

TRANSUNION : Personal information incorrectly reporting : Incorrect Name - XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - This in incorrect. Please remove this immediately and only report accurate information. 
The status of this account is inaccurate : XXXX XXXX  - XXXX - Account in violation of the FCRA 15 U.S. Code 1666- CORRECTION OF BILLING ERRORS. The creditor failed to reflect properly on a statement a payment made by me. - Please investigate the late marks on this account as these are incorrect. Please provide documents presented to you when this was reported or REMOVE. 
XXXX  - XXXX - Account in violation of the FCRA 15 U.S. Code 1666- CORRECTION OF BILLING ERRORS. The creditor failed to reflect properly on a statement a payment made by me. - Please investigate the late marks on this account as these are incorrect. Please provide documents presented to you when this was reported or REMOVE. 
This inquiry was not authorized : XXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report. 
XXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report.
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau claiming they believe the disputes are from a third party, which is not true. I even called to confirm my identity, yet they still refused to process my disputes. I wasted money on mailing my disputes and sent personal information to verify my identity, only for them not to conduct a thorough investigation.
Product: Credit reporting or other personal consumer reports

Down below i will list some inquiries that appear on my credit report in Experian. This information is inaccurate and misleading and shouldn't appear on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My information was involved in the XXXX data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Collection Entry on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collection entry on my credit report that contains significant errors in both payment history and the outstanding amount. I believe that these inaccuracies not only violate the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 804, but also the Fair Credit Reporting Act ( FCRA ), as outlined in Section 1681.

I would like to bring to your attention the following details regarding this issue : Description of the Error : Upon reviewing my credit report from XXXX XXXX XXXX, I discovered an entry for a collection account under the name of ABSOLUTE RESOLUTIONS. However, I have serious concerns about the accuracy of this entry. It reports that I made late payments in XX/XX/2019, and the outstanding balance is listed as XXXX. I maintain that these reported late payments and the indicated balance are not accurate. 


Communication with the Collection Agency : I have made numerous attempts to contact XXXX XXXX XXXX to rectify this issue and provide them with the necessary evidence to correct the inaccuracies on my credit report. Despite my efforts, they have not responded or taken any action to resolve this matter.

Impact on My Creditworthiness : The inaccuracies in this collection entry have had a severe negative impact on my credit score. This has made it exceedingly difficult for me to obtain credit, and secure reasonable interest rates, and has even hindered my ability to pursue housing and employment opportunities.

Violation of FDCPA and FCRA : I believe that the inaccuracies in this collection entry are in violation of FDCPA Section 804, which mandates fair and accurate debt collection practices, and FCRA Section 1681, which requires accurate reporting of consumer debts. Both laws also ensure that consumers have the right to dispute and correct any inaccuracies on their credit reports.

I am well aware that the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) mandate accurate and fair reporting of consumer debts. These laws also ensure that consumers have the right to dispute and correct any inaccuracies on their credit reports.

I kindly request that the CFPB conduct a thorough investigation into this matter and take appropriate action to rectify the errors on my credit report. Additionally, I request that the corrected credit report be provided to me and to any relevant credit reporting agencies to ensure an accurate reflection of my financial history.
Product: Credit card or prepaid card

I originally authorized a purchase on my card to XXXX XXXX XXXX on XX/XX/XXXX for future appointments ( skincare ) and upon that purchase ( day after ) my face broke out, the company was extremely rude and condescending about appts made when they were the first ones not keeping track of appts properly. I dont trust them and fear for my health and skin if my face broke out it maybe cleanliness of the establishment. Ive attempted to get my refund from capital one but they are giving me the runaround and tried to rebill me ( XX/XX/XXXX ) from the credit issued on XX/XX/XXXX. I dont feel I should pay for servicing that werent rendered. I contacted them tonight at XXXX letting them know I dont want any of what I pay on my card toward this XXXX disputed.
Product: Debt collection

On XX/XX/2020, I noticed that i received an alert from credit agencies that I had a new collection reporting. Upon my looking into the matter, I found that Consumer Adjustment Company, ( CACI ), had reported the collection for a XXXX  XXXX. I then called the company and explained that I did not have a unpaid bill with XXXX XXXX and that I had never been notified by there company of a bill therefore, It should be removed from my profile because I wasn't given written notification of bill in order to investigate or respond in writing. The guy I spoke with then proceeded to hang up and the issue wasn't resolved but was continuing to report. On XX/XX/2020 at XXXX XXXX  est, I received an email notification from CACI with an attempt to collect a debt letter ( which is outside of the 5 day window ) at which time I promptly responded to the letter for verification and asked them to remove the reporting on an unverified debt and as of yet, its still reporting during their verification process which is a violation of my rights under the FDCPA. I've requested removal during the verification process and they have proudly refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is 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 know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, 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. 

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

My account with XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 ( MONTHS REPORTING LATE ) 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 XXXX 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: Checking or savings account

I am writing to file a complaint against Nav Federal Credit Union regarding multiple overdrft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.