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

I am disputing inaccuracies on my credit report regarding an account reported by XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below are the issues I have identified : 1. Inconsistent Reporting Across Bureaus : The Date Opened differs : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX This discrepancy violates the FCRAs requirement for accuracy and consistency in reporting.

2. Disputed Account Status : TransUnion : Account information disputed by consumer, meets FCRA requirements. 
XXXX : Customer disputed account - reported by subscriber. 
These comments are inconsistent and may mislead creditors about the resolution status of the dispute.

3. Outdated or Improper Reporting : The Date Last Active for XXXX is listed as XX/XX/XXXX, but the Last Reported date is XX/XX/XXXX. If no activity occurred since XXXX, the account may no longer be eligible for reporting under FCRA guidelines, as negative information ( e.g., collections ) must be removed after seven years from the date of first delinquency.

4. No Payment History Provided : There is no clear payment history or supporting data to indicate when the account became delinquent or how it reached Collection/Chargeoff status.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The discrepancies in the Date Opened and inconsistent dispute comments violate this standard.

2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Negative information such as collections must not be reported after seven years from the date of first delinquency. If the accounts delinquency began in XXXX, it may be close to or past the allowable reporting period.

3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If the dispute was filed but the status remains inconsistent or inaccurate, this indicates a failure to properly investigate the dispute. 
XXXX. XXXX XXXX. XXXX ( a ) : XXXX XXXX XXXX : The furnisher ( XXXX XXXX XXXX XXXX be providing outdated or misleading information to the credit bureaus, especially regarding the accounts disputed and derogatory status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on my student loans, but paid them off with the Department of Education in XXXX. 

As a side note, after I paid the balance showed as owed, I had to go back and pay 3 more times, because they kept charging more money. The final payment I made was this month in the amount of {$1.00} to make sure it was paid as they added another charge for less than a dollar. 

There are now 4 references to the same loan. I tried to get the XXXX and XXXX accounts removed as duplicates and I can not get the credit bureaus to delete them to reflect only 2 accounts with the Department of Education.

The duplicated accounts have dragged my scores down much further than they should and because of this we are stuck living in a hotel with 4 young children because we can not qualify to rent anywhere or get a mortgage. 

I paid to these, they should only be referenced for the paid accounts. I need them to remove these duplicates immediately. 

This is double damage/double jeopardy and I should not have to pay an agency to fix this, they should remove it to reflect only the 1 debt, not multiple.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to close on the purchase of a home for me and my family and by some means or another Equifax have applied dispute comments on one of my accounts listed on my credit file. I have been calling Equifax repeatedly to try and resolve this issue by removing these comments to no avail. I have been transferred to the XXXX department for escalation about this matter on numerous occasions with no success. Today was suppose to be the end of my last 72 hour period for these dispute comments to be remove and I am about to begin being charged for extensions provided to me by my lender. I am disappointed that it has taken weeks and still to wake up to no results and broken promises. Below, I have listed some of the dates, confirmation numbers and people to whom I've spoken with about this matter. 

Account- State of TN Docket # XXXX or Equifax Account # XXXX ( listed on their website ) Beginning on the XX/XX/XXXX up unto XX/XX/2019 I have received confirmation # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Names of individuals that I have been in contact with including supervisor 's include : XXXX, XXXX, XXXX, XXXX, XXXX The last person I spoke with was XXXX who is a supervisor within the XXXX department who provided me with confirmation # XXXX and promised me on XX/XX/2019 that the comments would be removed in 24 to 72 hours. 

The comments listed state that this account is currently being re-investigated which the delinquencies reported on this account is inaccurate. I have visited my local child support office and they have informed me that no delinquencies have been reported on their behalf.
Product: Credit card

I lost my job a few months ago, have not found another yet despite sending out several hundred resumes. I am also twice widowed so have no financial help. This has caused me to miss a payment on my Nordstrom card as I have XXXX mo in bills and no income. I contacted them and they have reversed one late fee, but TD bank who finances their card now jacked my interest rate to 30 percent and my minimum payment went from XXXX month to XXXX!!!! I can not pay that, my balance is on XXXX ... not XXXX!!! I have no other choice than to file bankruptcy if they are going to inflate my payments and interest this way!! I have never even been late on a payment before and have no control over if or when a company gives me a job and feel as if they are threatening me with remarks on my statement and not going to tolerate that!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently there is a closed account reporting on my credit file with XXXX XXXX XXXX partial account number XXXX, I have requested documentation from this company and they have failed to reply. They have negative remarks on the account and i do not recall even having the accounts or being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i have a XXXX credit card and i check my monthly reports on Credit Karma I've never been late on payment and my score went down 30 points and i don't understand why.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Checking or savings account

I recently XXXX  a XXXX XXXX and I was in the XXXX  and also I am still seeing a XXXX XXXX  and taking tests. Because of my health problems I was unable to pay my bills on time. The bank added 10 late fees for insufficient funds. I asked for reimbursement but was denied. The fees are XXXX XXXX {$35.00} each= {$350.00}
Product: Debt collection

All of a sudden my credit score drops XXXX points from and account I do not recognize CAC Financial Amount {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report was updated by removing the incorrectly reported XX/XX/2022 payment to current but now the creditor is reporting the XX/XX/2022 payment incorrect despite sending a letter stating that my loan has never been late which it has not been late.
Product: Debt collection

My son and I were driving to Florida. While I was sleeping, on XX/XX/XXXX, he approached a toll and understanding that we have XXXX, he went through the section that allows you to go through. Not thinking anymore about this, I received a letter from the XXXX XXXX XXXX XXXX XXXX that I owed {$25.00}. Concerned, I spoke with a lady that totally understood the situation and said I'm not alone it's happened to others and that XXXX does not accepXXXX XXXX   customers. So rather than contacting me first to pay the {$.00}, they send it to a colleciton agency without notice. I would think that this is not legal to do, making no attempt what so ever to collect it. Keep in mind that there is no sign stating that XXXX is not acceptable and according to my Attorney said if this problem exists, it should be stated XXXX  only and it doesn't. She told me to write a letter explaining what had happened and wait to hear about paying the toll due. I had no problem doing so. She said to address the letter to XXXX and mail to XXXX XXXX XXXX in XXXX, WI XXXX and I did so on the XX/XX/2018. In XX/XX/XXXX, I received a second collection letter that never acknowledged my letter sent in. I called again and spoke to XXXX on XX/XX/18 and again she gave me instructions on what to do to remove this fee and to include a letter of explanation in which I did for the second time that stated the same thing written inXX/XX/XXXXassuming this had been taking care of. Per her instructions, I should get a letter telling me what I owe to pay just the toll which happened to be {$.00}. Then I received a third letter with no acknowlegement of letters 1 & 2 that had previously been written.. This is harassment as far as I'm concerned. Getting real here, do they really think I would intentionally go through a {$.00} toll??? I don't think so
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Remove the following items as soon as possible : 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 XXXXXXXX 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/2021 I went to court as a defendant against XXXX XXXX XXXX. XXXX XXXX was the attorney through XXXX XXXX XXXX, for the Plaintiff. I settled to pay {$2500.00}. I paid the amount on XX/XX/XXXX. The debt was removed from my credit report. On XX/XX/XXXX, the remaining balance, of the original debt was placed on my credit report as a collection with XXXX XXXX XXXX. I went through Experian 's site to have it removed. XXXX is stating that the account is valid. I have received email and mail documentation from that law office that the debt has been paid and settled.
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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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 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 card or prepaid card

I made two payments to my chase freedom card, and one payment to my chase business ink card, then a day later chase closed my account. No warning, nothing. I have never missed a payment on either card. I have been a loyal Chase customer for years. I was planning on paying off both cards within the next month. I need my credit cards to be re-opened, as I will not have such high credit utilization on them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting the credit bureau multiple times in regards to this matter for the accounts XXXX XXXX XXXX as well as congress collections. I did not received a legitimate verification as I requested. I would like this account verified in full and removed immediately. I would like to exercise my rights according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. I would like these accounts removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently found out I have been a victim of identity theft and someone used my information to open a couple of lines of credit with credit grantors without me knowing. I don't know how the thief got ahold of my personal information but i am certain I have not opened these nor has someone authorized by me to one accounts. The following accounts are below. 
XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  Account # : XXXX Balance : {$510.00} XXXX XXXX Account # : XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$2700.00} XXXX XXXX XXXX Account # : XXXX Balance : {$11000.00} XXXX XXXX XXXX Account # : XXXX Balance : {$13000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

I received a phone call from some calling from XXXX XXXX telling me they had a package to be delivered to me at my place of employment, so i asked for the information about who and what it was. They informed me that it was from a lawyers office and they gave me a phone number and a reference number. I called the number and was told it was from Wachovia and that i owed a debt from XXXX on an over drafted bank account. I have no knowledge of this account. I went to the bank and also called their XXXX number looking for information. They said they had no information on me. I then asked the lawyer who called for info and was told she could not release it to me. She did give me a supposed number for Wells Fargo XXXX ( XXXX ) which only said they sold off my account and had no other information. They gave me a number to who they sold it to, I called and was told it was sold off again and then again. Called back the lawyer and they just got upset and said they will see me in court. They said i have until XXXX XXXX, XXXX to pay the settlement amount or i will go to court and pay thousands of dollars. Now i am freaking out because i am unsure of what this is and i do not recall ever having a Wachovia account.
Product: Vehicle loan or lease

I requested flag ship update atleast one of the three major credit bureaus since they have not done an update in six months on my payments the reports show no data. This was in XXXX I gave them a month to update the data and they did not so I filed a dispute with XXXX. At the time Id messed up the dispute and was unable to include my proof of payments as a pdf file but Flagship reported the data as correct instead of updating the payments I have been making. I have not been notified of any contract changes and they use to update monthly.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX  XXXX account across XXXX , Experian, and XXXX , here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : XXXX XXXX XX/XX/XXXX. Matches Experian but not XXXX. 
High Credit : XXXX : {$5300.00}. Different from both XXXX {$6700.00} and Experian {$0.00}. 
Credit Limit : XXXX : {$0.00}. Matches Experian, but not XXXX {$4700.00}. 
Last Reported : XXXX : XX/XX/XXXX Different from XXXX and Experian, both of which report XX/XX/XXXX. 
Comments : XXXX : Charged off account. Accounts closed by credit grantor. Different resolution description compared to XXXX Charged off as bad debt. Dispute resolved ; reported by grantor. and Experian Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : XXXX : XX/XX/XXXX. Much earlier than XXXX XX/XX/XXXX and Experian XX/XX/XXXX. 
Date of Last Payment : XXXX : XX/XX/XXXX. Earlier than both XXXX and Experian, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors. 

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Attorney Generals Office CC : State Senate CC : Federal Trade Commission CC : State Regulatory Agency Thanks For your Cooperation.
Product: Checking or savings account

XXXX XXXX XXXX was servicing my mortgage on my house that I sold inXX/XX/XXXX. They had sent me my escrow check in the mail as I moved from NY to FL. I never received the check, so I called them, they told me it had cleared with Wells Fargo. We came to the conclusion there was mail fraud/identity theft of the check. 
I submitted a complaint with CFPB on XXXX as they had no real info on how this happened to settle this, & also said I needed to work with Wells Fargo on the case as it was in their hands due to they cleared the check. 
Wells Fargo gave me a case # of XXXX & I keep following up for the past 2 months, no details at all, just an open case. 
No one can tell me how or why they cleared the check with me providing & notorizing paperwork as the proof that the signature is not even close to being mine, nor my checking account. 
No one can even give me details on how this can happen where someone can deposit a check in my name & address & clear it without any ID/proof.