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

1. I am writing to dispute the inclusion of an account with XXXX Bank on my credit report. The account was a secured credit card that I opened on XX/XX/XXXX, and closed voluntarily in XX/XX/XXXX. The account was always in good standing and never had any late payments, as reflected in the payment history. 
The account status is listed as XXXXPaid, Closed/Never Late, ' which is accurate ; however, I believe this account should not remain on my credit report until XX/XX/XXXX, as it is closed and no longer active. Keeping it on the report serves no purpose and may negatively affect how my credit profile is evaluated. 

XXXX. I am disputing the accuracy of an account reported by XXXX XXXX XXXX on my credit report. This account pertains to a rental property shared with my former roommate, XXXX XXXX. We moved into the apartment with a {$1200.00} security deposit and paid our last months rent as required. 
The reported balance of {$1200.00} is inaccurate. The security deposit should have been applied to any outstanding charges, and there were no additional fees or unpaid rent upon vacating the property. Furthermore, I have not received any documentation or invoices from the original creditor, XXXX XXXX XXXX or XXXX XXXX XXXX to validate this debt. 

3. I am disputing the accuracy of an account with XXXX XXXX Bank listed on my credit report. This account was opened on XX/XX/XXXX, as part of a credit-building program with a total goal of {$720.00}. The concept of the program was that I would make monthly payments of {$9.00}, then {$25.00}, and eventually {$35.00} until I reached the full amount, at which point the funds would be returned to me. 
However, I did not complete the payments, and the account was closed by XXXX XXXX Bank XXXX XX/XX/XXXX. While I understand the closure due to nonpayment, I believe the way the account is reportedshowing 30 and 60 days past duedoes not accurately reflect the nature of this credit-building program, as no money was borrowed or spent by me. 

XXXX. I am disputing the accuracy of an account with XXXXXXXX XXXX listed on my credit report. This account was opened as part of a financing agreement for the purchase of a couch from XXXX XXXX in XXXXXXXX XXXX XXXX The total purchase price for the couch was {$2000.00}, but the couch was never delivered despite several months of waiting. 
I contacted both the insurance company and the owner of XXXX XXXX, explaining that the couch had not been delivered. Despite this, the owner insisted that I pay a cancellation fee of 25 % ( {$410.00} ) for a product I never received. I never signed or agreed to pay this cancellation fee, and I refused to pay for something that was never delivered. 
As a result, XXXXXXXX XXXX reported a balance of {$4400.00} on my credit report, which I believe is inaccurate. The reported balance does not reflect the fact that the couch was never delivered, and I should not be held responsible for this charge.
Product: Credit card or prepaid card

I purchased shoes on XXXX with my Citibank Simplicity credit card. The shoes were of poor quality and did not match the description and picture from the website. I am an XXXX XXXX  member so attempted to send the shoes back and XXXX refused. This was the first time they have ever refused a return, and they closed the case on me and refused any further contact on the matter. 

I then filled a complaint with Citibank as the purchase was made on the Citibank Simplicity credit card. Citibank opened a case, gave XXXX 1.5 months to reply, and once they did Citibank closed the dispute and reversed and charged me again for the purchase ; not allowing me time to further dispute. Also, the terms of the Citibank Simplicity credit card states 90-day return protection which they did not honor. 
" If You try to return an item within 90 days of purchase and the merchant wont take it back, We may refund You the purchase price up to {$300.00} per item and {$1000.00} per year. '' Citibank clearly is in collusion with XXXX and performing unfair business practices that are harmful to me as a consumer. Please escalate this matter and investigate both Citibank and XXXX for these unfair business practices. I am fully prepared to send back the unused shoes still in the box once it is fully paid for in shipping and specified that purchase refund will be made..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TD BANK XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Debt collection

Frequently used the term of " Personal matter '' and frequently asking for my birth date. Refused to answer what was the call for and consistently calling me for my private information. I contacted the original creditor and completed the payments through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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
Product: Credit reporting, credit repair services, 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. 

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 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 or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX Dept of Ed/XXXX Account # XXXX XXXX of EdXXXX  Account # XXXX Dept of Ed/XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX have 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.
Product: Credit reporting or other personal consumer reports

I received the investigation results from my previous dispute & am very confused. I don't think you fully investigated my claim of identity theft as the following accounts still remain so I am disputing the accounts again. These accounts were opened without my knowledge, consent or authority. I talked to the banks and they requested I file a report with the XXXX and list what happened. I have no knowledge of the events. Additionally, the other bureaus have already removed these from their records. So, please DELETE these right away : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

Internal Credit Systems , Inc sent harassing claims that me and my son, XXXX XXXX XXXX XXXX, owe a debt that does not belong to either of us. On XX/XX/scrub> 2024, I submitted a letter of debt validation and cease and desist of all communication until the debt has been verified. I also included an invoice for {$1000.00} for violation of our consumer rights of 15 U.S. Code 1692. On XX/XX/year>2024, I received a threatening phone voice message from XXXX XXXX with Internal Credit System. He basically threatened to take me to court and demanded payment on a debt that does not belong to me or my son. I kept all records of calls and any voicemails regarding this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed XXXX Account XXXX XXXX Account XXXX XXXX Account XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I've sent them letters in the mail more than three times and they keep dismissing me and my rights as a consumer. A total of 3 months of being verified automatically by there system and no real person verifying these items.
Product: Credit reporting

This account was turned over to XXXX in ( I believe XXXX XXXX XXXX. There has been no activity XXXX NONE XXXX yet every few months they keep " updating '' my report ( they did this in XXXX XXXX, XXXX XXXX, XXXX XXXX & again in XXXX XXXX ). Even though this account has no activity & is set to come off of my report next year, every few months it appears as " new '' again. I received an " alert '' from XXXX last week that a new derogatory account had been added to my report. It 's the same account that 's been on here since XXXX. Even though it 's an old account, it caused my score to drop XXXX XXXX XXXX dropped my credit limit as a result XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXXpursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment reported in 60 days 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.

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 XXXX
Product: Checking or savings account

I was incarcerated from XX/XX/XXXX - XX/XX/year> and during that time my account was hacked and all my money was used on my account i contacted chime to submit a dispute on XX/XX/year> once i did i received a email the same hour saying my claim was denied and i called them back and submitted a rebuttal and now in waiting to hear back from them, i don't believe they properly investigated
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 consist of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX account number XXXX and an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # 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

XXXX & XXXX at address ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX Account ( that goes by ) : XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions