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

Formal Dispute of Inaccurate Reporting on XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate reporting of my XXXX  XXXX XXXX account ( # XXXX ) as a charge-off/collection on my Experian credit report. This reporting is not accurate, as no such status should be reflected on this account. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any inaccurate or incomplete information reported by a credit bureau, and you are required to conduct a reasonable investigation into my dispute. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. 

It is important to note that Experian is the only credit bureau reporting this account as a charge-off/collection, which raises concerns about the accuracy of the information you have on file. I request that you provide me with the method of verification ( 15 U.S.C. 1681i ( a ) ( 7 ) ) that Experian used to verify this information. 

If Experian can not properly verify the accuracy of this charge-off/collection status, I demand that this incorrect entry be immediately removed from my credit report. Failure to comply with these requirements will result in further action under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, Sage Stream, XXXX   inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX. Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX,oh XXXX, XXXX XXXX XXXX XXXX,ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries, i have no knowledge of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXX XX/XX/2022 a person stole my mail from my mailbox. In the mail was a check from XXXX  to me. I know the check was in the mailbox because the XXXX send me an email everyday with the mail I am supposed to receive. The check was then cashed on XXXX XX/XX/2022 at a Wells Fargo Branch. The check was stolen, forged, and converted. That the thief was not entitled to enforce the check or receive payment and that Wells Fargo handled the check after the forgery without verifying the signature or confirming the identity of the person they paid. I filed a police report with the XXXX, Tx policy dept ( Case # XXXX ). The XXXX Police Dept subpeona Wells Fargo for information, but closed the case when XXXX  told them that they did not have video of the person cashing the check. XXXX refuses to reimburse my money to me, saying they are only allowed to talk to the XXXX Police. 

I am getting screwed! Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX
Product: Credit reporting or other personal consumer reports

Please block and remove these accounts due to XXXX data breach
Product: Money transfer, virtual currency, or money service

I fell victim to an online scam orchestrated by an unlicensed brokerage company named " XXXX XXXX '' which is also a client of Bank of America, registered as XXXX. XXXX XXXX XXXX XXXX under the account number XXXX. When the scam took place, money was transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bank of America itself. I have contacted BoA to initiate a recall request for all the transactions and explain to me why they did not have supervision of the account that is with their organization. XXXX regulations are applicable additionally in this case. My concern is that I have previously never made transactions in such an amount as well as never sent money to a crypto exchange platform of this individual. And the bank has not inquired more information nor doubted a very clear pattern showing I was being manipulated by a third party. Bank of America was very slow to respond to my inquiries and still have not responded to the claim for the transfer made to their organization.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Improper Reporting of Comenity/Zales Account on XXXX, XXXX, and XXXX Credit Reports I am filing this complaint regarding the inaccurate and improper reporting of an account by all three major credit reporting agencies : XXXX, XXXX, and XXXX. This complaint pertains to violations of 15 USC 1666b and the Fair Credit Reporting Act ( FCRA ). Below are the details of the account as listed by each credit reporting agency : XXXX : Listed as COMENITYCAPITAL/ZALES, Account Number XXXX XXXX XXXX : Listed as COMENITYCAPITALBANK/ZALE, Account Number XXXX XXXX : Listed as ADS/COMENITY/ZALES, Account Number XXXX Nature of the Issue The reporting of late payments on this account is improper under 15 USC 1666b, which states : " 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. '' Based on my review of this account, Comenity/Zales failed to adopt reasonable procedures to ensure that billing statements were mailed or delivered at least 21 days before the payment due date. This failure renders any late payment reporting on this account invalid under federal law. 

Violation of the Law Comenity/Zales violated 15 USC 1666b by failing to provide billing statements in compliance with the required timeframe while also reporting the account as late from XXXX - XX/XX/year>. 
XXXX, XXXX, and XXXX perpetuated this error by reporting late payments based on information that is not legally enforceable under federal law. 
This reporting also constitutes a violation of the FCRAs mandate to ensure maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ).

Supporting Information I request that each credit reporting agency obtain documentation from Comenity/Zales demonstrating compliance with 15 USC 1666b , specifically confirming that each periodic statement was mailed or delivered at least 21 days prior to the payment due date. Provide a signed affadavit from Commenity/Zales indicating that they certify that their company is in complaince with 15 USC 1666B and attest to the truth of the evidence provided. In the absence of such proof, the agencies must : Remove all late payment notations from this account. 
Remove the account from the credit report entirely if it can not be verified as accurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 2011 we filed for Chapter XXXX and subsequently an order was entered disallowing the claim which converted this debt to non recourse. The debt was then sold from XXXX XXXX  to XXXX. XXXX is reporting missed payments on Equifax. We contend the loan is non-recourse and these entries should be removed. They were removed via contact by XXXX XXXX and then replaced a month later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a statement form ChexSystems and it says that I have a balance with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX. Phone number XXXX. It states that a balance of {$660.00} is unpaid. My husband and I paid this off in XX/XX/XXXX. I would like to have this removed from ChexSystems. It is saying that is was reported on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alle
ged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many attempts to resolve this issue, Experian and XXXX continues to report the following items : XXXX : XXXX, XXXX XXXX XXXX XXXX ( attached to bankruptcy ) Experian : XXXX XXXX CT IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX had deleted and is no longer reporting the bankruptcy items. These credit reporting agencies who were getting this information from XXXX continue in blatant violation of the FCRA to report these items ...
Product: Credit reporting

Transunion is reporting on my credit report with false information provided by XXXX XXXX for supposed creditor XXXX XXXX XXXX XXXX XXXX. This supposed unpaid medical bill showed up OVER 5 years after date of service. I have no outstanding medical debts with XXXX XXXX XXXX. I have had for over 20 years incredible medical insurance that has paid my medical bills. I have not received XXXX bill of a balance due and after having received nothing in OVER 5 years I find this debt to be fraudulent. I am not responsible for their faulty accounting records or inaccurately recording PAID debts. I want this immediately removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  #  XXXX  bod  XXXX / XXXX /  XXXX    XXXX   XXXX  CT  XXXX  VA  XXXX   XXXX  Equifax and  XXXX  will not update my correct credit limit on my  XXXX   XXXX   XXXX  credit card account the correct limit is {$2200.00} with balance of  XXXX  correct my balance and credit limit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment showing on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Product: Credit reporting or other personal consumer reports

They reported my account as charged off yet still report a balance which is illegal and grounds for deletion. Months of being charged off with a balance ( again illegal ) then they reported a late payment in XXXX of 2023 after me filing a dispute on XXXX  which could be received as retaliation to that dispute. Since then no updates to " payment '' so they illegally furnished a false late payment to hurt my credit score in retaliation to my dispute request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

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 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the following Credit Reporting Agencies ( CRAs ) : XXXX, XXXX, TransUnion, for non-compliance with federal law, specifically the Fair Credit Reporting Act ( FCRA ), resulting in significant harm to my rights as a consumer : These agencies have failed to uphold their obligations under the FCRA by inaccurately reporting accounts, refusing to provide adequate proof of verification for disputed accounts, and perpetuating inaccuracies that harm my financial standing and restrict my ability to exercise my constitutional rights. 
________________________________________ Summary of Allegations 1. Failure to Verify Disputed Accounts I have sent detailed correspondence to the CRAs disputing inaccurate and unverifiable accounts listed on my credit report. Despite my requests, they failed to provide evidence of proper verification for these accounts, instead responding with generic statements that the accounts have been " verified. '' This is a direct violation of the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ), which mandates a reasonable reinvestigation and validation of disputed information. 
2. Negative Impact on My Constitutional Rights These inaccurate reports are adversely affecting my ability to : o Access housing due to unwarranted denials based on credit checks.

o Obtain financing for essential purchases.

o Utilize credit as the true creditor, which is my legal and equitable right under federal law. 
The CRAs ' negligence has effectively denied me the right to fair access to credit and housing, constituting a violation of my constitutional protections. 
3. Violation of Federal Law By failing to ensure the maximum accuracy of the information reported as required under 15 U.S.C. 1681e ( b ) and failing to verify the validity of disputed accounts, the CRAs have willfully and negligently breached their obligations under the FCRA.
Product: Credit reporting or other personal consumer reports

Im filing this complaint because Experian refuses to delete the fraudulent accounts on my credit report despite my repeated disputes. Ive had enough of this back-and-forth. The accounts in questionXXXX XXXX ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX ), and XXXX  XXXX ( Account Number : XXXX ) are NOT mine. Ive told Experian over and over, and theyre still reporting them as if Im responsible for them. Whats worse is that XXXX doesnt even have these accounts on my report, so why is Experian still making this my problem? Theyre clearly violating 15 USC 1681b by reporting information without proper permission, and theyre failing their duty under 15 USC 1681e ( b ) to ensure my credit report is accurate. This isnt just a small oversight anymoreits willful under 15 USC 1681n and negligent under 15 USC 1681o. Because of Experians negligence, Im facing real damage. Ive been denied loans, stuck with higher interest rates, and rejected for credit opportunities, and its all because Experian refuses to delete these fraudulent accounts. Im done being patient. Im demanding immediate actiondelete these accounts, fix my credit report, and provide proof of their deletion. I dont want any more weve investigated excuses, incomplete investigations, or delays. Im asking the CFPB to step in and help resolve this because Experians negligence is causing serious harm, and theyre not taking responsibility.
Product: Credit card

XX/XX/2024 >>Capital One credit cards have inconsistent closing dates. Also XXXX days between due date and closing date instead of XXXX days traditionally used by other credit card companies. Inconsistency makes it difficult to plan payments and card usage. I have called and complained with customer service specialist with no results. This issue is not inclusive to one credit card number, but several credit card accounts.
Product: Payday loan, title loan, personal loan, or advance loan

I saw an ad for XXXX cash advance. I signed up to get a cash advance. I was told it was free. No fees attached. I received the cash advance after linking my checking account. They withdrew the $ they advanced me. I havent used it since. I have gotten several texts from the company stating my bank account was no longer linked. Thats fine. I dont need to be linked if Im not using their services. Then I notice, they have been accessing my account to withdraw monthly subscription fees of {$14.00} for their allegedly only paid service called Albert Genius which is an investment program but I dont have investments with them and never signed up for that program or authorized the subscription. I contacted them to say just that and they told me I have a {$5.00} balance in my account ( no idea how it got there ) and that I can not close or cancel my subscription without withdrawing the {$5.00} first. I dont understand how this is legal. So far theyve withdrawn about {$75.00} in subscription fees for something I have no use for.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCER, 

I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act (FCRA) and XXXX XXXX compliancy requirements. 
The inaccurate entry is as follows: 
Acct Name: XXXX XXXX XXXX  Account # XXXX  Date of Charge-Off: XXXX 
Acct Name: XXXX XXXX XXXX XXXX  Acct #XXXX  
Date of Charge-Off: XXXX 
Acct Name: XXXX XXXX XXXX  
Acct #XXXX  Date Of Charge-Off: XXXX
Acct Name: XXXX XXXX XXXX  Acct #XXXX  
Date Of Charge-Off: XXXX 

I dispute this entry on the following grounds: 1. Reporting INACCURACIES : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 2. Lack of Notification: The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 3. XXXX XXXX  Compliance: The XXXX XXXX Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and XXXX XXXX compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

FURTHERMORE FOR THE XXXX  ACCOUNT I WOULD LIKE YOU TO KNOW THAT I WAS MADE AWARE OF ADMINISTRATIVE PROCEEDING File No. XXXX XXXX WHERE CONSUMER FINANCIAL PROTECTION BUREAU SETTLED WITH XXXX  XXXXXXXX XXXX XXXX. FOR CREDIT REPORT VIOLATIONS IN CONNECTION WITH ITS AUTO LOANS. 

https://www.consumerfinance.gov/XXXX


Yours Truly, 
XXXX XXXX