23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a XXXX XXXX Credit Card online acct. That provides a FICO Score and Summary through TransUnion. My Fico Score shows XXXX with description : " Lack Of Recent Installment Loan Information '' Their is " Insufficient Activity '' information about your " Installment Loans '' FYI : I do not have any Installment Loans.. 
In XX/XX/XXXX I had a personal loan but I paid this acct off and closed the acct in XX/XX/XXXX. It is Inactive. 
I would assume My Fico/TransUnion would have that documentation in there Data Files. Why would Lenders be interested in a closed/paid acct with no activityI have XXXX credit cards XXXX closed..XXXX openThank You
Product: Checking or savings account

I filed a dispute at my bank Chase for a transaction I made for the amount of {$550.00} but turned out the recipient is a fraud. Chase denied me protection automatically and did not even investigate my case.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute multiple inaccurate and fraudulent items appearing on my Experian credit report. I demand immediate corrective action to rectify these errors.

Incorrect Personal Information : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Incorrect, please remove it. ) Employer : XXXX  ( This information is incorrect, please remove it. ) Unauthorized Accounts Not Mine : XXXX XXXX Account Number : XXXX ( This account is fraudulent and must be removed. ) Legal Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 609 ( a ) ( 1 ) : I have the right to request proof that this account and incorrect personal information belong to me.

FCRA Section 611 ( a ) : If Experian can not verify the accuracy of this information with proper documentation from the original sources, it must be removed immediately.

FCRA Section 623 ( a ) ( 1 ) ( A ) : Information providers must report complete and accurate information. Failing to do so violates this rule.

Required Actions ( Within 30 Days ) : Immediately delete all the disputed accounts and incorrect personal information from my credit report if they can not be verified with proper documentation.

Provide me with a copy of the verification documents for each disputed item.

Update my credit report accordingly and send me a new, corrected copy upon completion.

Failure to comply with this request will result in me escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and possibly seeking legal action for damages caused by this inaccurate and fraudulent reporting.

Please treat this as an urgent matter and respond within the legally required timeframe. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$12000.00} INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Account locked for suspicious activity. I've sent documents and photographs in numerous times. There is still no resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Date of Birth : XX/XX/year> ( P, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XXXX under the account number XXXX, XXXX opened on XXXX under the account number XXXX, XXXX XXXX on XXXX under the account number XXXX, XXXX XXXX on XXXX under the account number XXXX, XXXX opened XXXX under account number XXXX, XXXX  on XXXX under the account number XXXX, XXXX opened on XXXX, XXXX  XXXX opened XXXX on XXXX under the account number XXXX, XXXX XXXX on XXXX under the account number XXXX, XXXX opened XXXX under account number XXXX, These accounts have resulted in several fraudulent hard inquiries 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  appearing in 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 fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All 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 # XXXX & XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, ( Which is a collections, and they are reporting that this account is still open, instead of closed ). I would like for you to have a copy of this document as well. I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which due to my research, I believe that XXXX XXXX XXXX violated, yet somehow, you still allowed XXXX XXXX XXXX to report that the information was verified, which allowed this item to wrongfully remain on my credit report. At this point, I pose the question ; XXXX XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether it is verified or not ; it has become a compliance issue, which XXXX XXXX XXXX is willfully noncomplying. Furthermore, XXXX XXXX XXXX continues to harm me. This matter has taken a significant toll on my health and livelihood, which has caused me both physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which they have been, and continue to falsely verify as accurate. This has to stop!
Product: Credit reporting or other personal consumer reports

Experian was notified of fraudulent activity on my credit report as well as incorrect information being reported. In the initial notification I sent a copy of my driver 's license, social security number as well as proof of address. Experian sent a request for additional information which was provided. Experian has yet to provide the methods they used to validate the information being reported by their agency.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing this account : ASSETCARE LLC # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following account ASSETCARE LLC # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes regarding erroneous information on my account which keeps getting ignored. Im beginning to suffer mental anguish and heightened stress from having to continually submit disputes to have incorrect information deleted and or updated to accurately reflect my credit score. This is affecting my ability to purchase my first home because the scores are not being updated with accurate information across all 3 bureaus.

For starters late payments are being reported when it is illegal to do so. Based on my interpretation of 15 USC 1681A, section 2 titled exclusions : transaction history is not included in consumer reports. Isnt payment history considered a TRANSACTION? Please clarify the bureaus interpretation of what late payment history is considered. The following accounts are being reported as late and I am demanding that the late payment history is updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is showing as a collection account when it was not in fact a collection. I am requesting deletion after requesting validation that has not been done. 

XXXX is a fraudulent account that continues to report and I have request deletion several times. 

XXXX XXXX has several errors in reporting. It shows as a closed account with a past due balance. How is that even possible when you guys claim to have accurately validated this account? In addition this amount keeps increasing and the status being updated as if this account is still open and active therefore SERIOUSLY affecting my credit rating and causing me great financial and emotional harm. At this point its unbearable and something has to be done. 

Credit card usage is not being updated to reflect the correct utilization. XXXX XXXX, XXXX and XXXX balances are incorrect and have been. Based on the creditors reporting date these are past due for an update that reflects ACCURATE utilization. Because it hasnt been updated and is greatly affecting my scores I cant qualify for a home loan which violates my rights. 

In addition XXXX XXXX  is reporting twice for the same exact account. Thats false and fraudulent. 

Lastly the personal statement showing on my credit was not AUTHORIZED. I do not want to be classified as a fraud victim because it negatively affects me when creditors pull my report. Its essentially a scarlet letter and is discriminatory. I do not want any personal statements reflected on my credit report for this reason. 

Please also update the following information to reflect accurately : Employer XXXX  is not accurate I am not also known as XXXX, XXXX, XXXX. This is a catch all and my name has never been that.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My checking account and my saving account was closed on XXXX XXXX XXXX and im still waiting my cashier checked by mail. i didnt receive cashier check yet. im wait over 15 business days since my account was closed. and dont have anything update from us bank. but i try to contact us bank. the staff follow my case but notthing update or change
Product: Checking or savings account

I have been going back and forth with bank of america since XX/XX/2021 in reference to unauthorized purchases and atm withdrawals using my debit card. I have written to them on 4 occasions as they keep closing my dispute as unpaid. The only reason they have given me is to say that I authorized these transactions and I have explained all 4 times that I did not. I was not aware that my card was being used and all those excessive transactions were taking place as bank of america never notified me although the activity should've raised major red flags based on my account usage and history. As soon as I discovered my card was missing I contacted bank of america immediately and also went to the branch. I withdrew pretty much almost all of my money which was almost {$10000.00}, because I was afraid that these thieves would be able to victimize me again. Bank of America did nothing but charge me {$15.00} for a new card that day, although my card was clearly stolen. There were purchases happening in places super far from where I reside and places I have never been. I explained over and over to bank of america that I had nothing to do with this and asked what do I need to do for my claim to be approved as this is fraud. There were back to back atm withdrawals which to me should've been a red flag, because I never do that. I have continuously asked what exactly do they need from me. Bank of america never tells me anything, they just deny the claim and say the transactions were authorized by me. No further explanation and no assistance at all. I am feeling victimized all over again by my bank as I am being accused of something that is not true. 

XX/XX/2021 Unable to pay XX/XX/2021 Unable to pay XX/XX/2021 Unable to pay Claim date : XX/XX/2021 Claim number : XXXX Claim amount : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting first date of delinquently incorrectly they keep changing the dates they would update account to correct date of first delinquency which is XX/XX/XXXX. They are now reporting the first date of delinquents is XX/XX/XXXX which is totally incorrect please correct and update my account information I have dudkyrdd this with all of the major credit beru s with no remedy Car loan account was opened XX/XX/XXXX I made my first late payment on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was verified & accurate and some information was updated ; however, this is an identity theft account and there still several inaccuracies on this account still being reported because under FCRA all credit bureaus must report the same information. It appears that no thorough investigation was done Transunion has failed to provide proof of the investigation.
Product: Vehicle loan or lease

I had a XXXX XXXX XXXX car financed from GM FINANCIAL in XXXX. Actuall car financed amount was XXXX received from GM FINANCIAL. Until now i have paid almost XXXX $ from this amount GM FINANCIAL. but GM FINANCIAL took XXXX $ as interest and they treansferred only XXXX $ for car. they are charging me 18.00 % APR. monthly XXXX as interest, and i requested one letter they are not providing that letter. when i requested pay off it was showing again the actuall fiannce amount like XXXX the dealer and GM FINANCIAL are cheating me. not provinding the requested letters and tried to reposition my car once aswell. when i ever iam sending one email to send the information they are telling in 10 emails that they will not discuss through email. i dont know why?.
Product: Checking or savings account

On XX/XX/2022, I attempted to withdraw {$500.00} from the Fifth Third Bank ATM at XXXX XXXX XXXX XXXX, XXXX, OH XXXX around XXXX PM. 

Unfortunately, the machine asked me to " Please take your cash '' but there was no cash dispensed. I filmed this incident occurring for about 20 seconds before stopping the video. The transaction was canceled and I assumed the issue would sort itself out. A few days later, I checked my statement and noticed the {$500.00} had been deducted. I immediately filed a dispute with Fifth Third. After a few weeks, the dispute was denied. I called Fifth Third and asked to re-open the dispute and I sent the video to the dispute team. I also filed a CFPB complaint. The CFPB complaint was closed shortly after receiving a letter stating they were still reviewing the incident. This week, I received another letter from Fifth Third Bank indicating they conducted an audit on the machine and found no discrepancy, however despite my repeated requests to view the security footage, they've given no indication they have done so. 

I assume this, too, will be closed, but I want to ensure I fully document my attempts to address this issue through every proper channel. The video of the ATM malfunction can be viewed on XXXX here XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear, Affirm I hope this letter finds you well. I XXXX XXXX, am writing to request form XXXX -c for the cancellation of debt related to my account, which has been charged-off. Alternatively, if this was reported in error I kindly request its removed from my credit report. 
Your prompt attention ton this matter is greatly appreciated. 
Thank you for your assistance Sincerely, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

We are all exhausted as NFCU ( navy federal credit union ) technical issues making our funds unavailable for hours or online banking and mobile banking being inaccessible. Today XX/XX/2019 from XXXX to XXXX my account shows XXXX balance even tho I had a direct deposit made to that account today. I was concerned and confused. Come to find out on NFCU XXXX page I was not the only one and this is not the first time this is happening. We need better service and we need better communication from Our bank.
Product: Prepaid card

I have a XXXX XXXX card from XXXX  on equifax. That card automatically adds money from any deposits. I received my taxes on XXXX  way back in XXXX. Equifax dropped my score XXXX points from the deposit. I disputed it and explained that it comes from my money. It's not a balance I owe. Equifax will not put the points back on my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit union keeps using different names of themselves on XXXX and Transunion and XXXXXXXX. When you make a payment you never know what listing they will put the payment under and then it shows lates on the other name.

The credit union is called XXXX XXXX but they also use their former name as XXXX XXXX XXXX. They list XXXX XXXX is listed on my XXXX reports but XXXX XXXX XXXX on XXXX and Trans Union. I have two loans with them, The first is a auto loan, and they will not send me a copy of the title or lean holder on the car, and the other loan was a forced loan on me, They were supposed to refinance my home last year but then they refused me and charged me {$500.00} for a home inspection that they never did and forced me to take out a {$1200.00} loan to pay it. So now I have a double payment to them. I am XXXX and have a social security limited income of {$1000.00} a month. Now I do not have enough money to eat every month. They never explained the truth in lending and never provided documents on it. So I have a reporting problem with them, because they use different names on different credit reporting companies and a truth in lending problem with the contracts. They also keep changing information on my credit reports. They never tell me what they are doing or what they are reporting. They have lates listed on all the reports as 30 and 60 days. But they did skip a pay for me when I got out of the XXXX  from XXXX XXXX. Then sent me a new contract to sign by way of internet that was blurry and blotted out so I could not see what they did and said that I had to sign them over the internet or they was going to take me to court and sue me to garnish my social security check and medicare. I feel trapped in this and fear that they will take away my social security check every month and take my car away from me so I can not get to my medical appointments. I never gave them permission to report anything on my credit reports. I need my privacy on this matter to due to my health.