23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a formal complaint that XXXX, Equifax, and XXXX  are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following addresses do not belong to me nor have they ever belonged to me : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX I am so confused as to why they continue to NOT erase these addresses from my credit file, even after I have sent in notarized proof of my address. this is how other erroneous information can be attached to my credit file. I have written them on 2 separate occasions asking them to correct this very serious error in reporting. However, all they have done is stated that my file is Updated without deleting the other false addresses. Can you please help Please delete this misleading information, and supply a corrected credit profile.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute the inaccuracies and violations found in my credit report, as well as to demand corrective actions and compensation for the listed violations of the Fair Credit Reporting Act ( FCRA ). Below, I provide a detailed account of the issues identified, along with my requests for resolution. 

XXXX. Inaccuracies in Reported Accounts BEST BUY/CBNA ( Account Number : XXXX ) Discrepancy in payment history : A XXXX late payment entry has been erroneously recorded. Violation Amount : {$1000.00} XXXX XXXX ( Account Number : XXXX ) Incorrect reporting of a closed account with a charge-off status. The balance shows {$0.00}, yet the dispute remains unresolved. Violation Amount : {$1000.00} XXXX XXXXXXXX ( Account Number : XXXX ) Inconsistent reporting : The account is reported positively to XXXX credit bureaus but negatively to XXXX, creating an inaccurate and misleading credit profile. This inconsistency violates FCRA guidelines requiring accurate and uniform reporting across all bureaus. Violation Amount : {$1000.00} XXXX. Legal Violations BEST BUY/CBNA : Failure to remove disputed late payment entry, violating FCRA provisions . 

XXXX XXXX  : Incorrect charge-off reporting in violation of FCRA 611. 

XXXX  XXXX : Inconsistent reporting to credit bureaus, violating the FCRAs accuracy standards. 

3. Compensation Request I am entitled to statutory damages for each violation of my rights. Based on the identified issues : Compensation per violation : {$1000.00} ( statutory amount ).

Total violations : 3 Total compensation requested : {$3000.00}.

4. Resolution Demanded I respectfully request the following actions : Immediate deletion of all inaccurate information listed above from my credit report.

Payment of {$3000.00} as compensation for the violations. 

Supporting Documentation I have attached a copy of my credit report highlighting the inaccuracies and violations for your review. 

Closing Please address this matter promptly, as these inaccuracies and violations are causing undue harm to my financial standing. If the issues are not resolved within 30 days of receiving this letter, I will consider further legal actions to protect my rights. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts with the Credit reporting agencies multiple times directly as well as through previous CFPB complaints! The CRAs continue to state the accounts are accurate without providing the procedure used to verify the accounts. I have also disputed directly with the furnishers of the information and have received correspondence from them that proves the information reflected in my consumer report is not XXXX XXXX  accurate. In some instances the accounts are not reflected completely and is missing valuable information. All the CFPB does is forward the information this company is not performing a thorough investigation into the issues being provided by the consumers! 

The following accounts have been continuously reported inaccurately after being made aware of the errors! 

XXXX XXXX XXXXXXXX ) I will include a CFPB complaint response in which the company clearly states they will have the XXXX delete this account XXXX XXXX XXXX XXXX ) I will be attaching copies from the original creditor as well as the purchaser of this account in which the original creditor states the last payment posted to the account on XX/XX/XXXX and the purchaser of the account is reflecting XX/XX/XXXX. 

XXXX XXXX ( XXXX ) I will be attaching a copy of a letter that was sent from the furnisher of this account that they obtained from the original creditor. XXXX reflects XX/XX/XXXX as the date XXXX acquired this account ; the original creditor states XXXX acquired this account XX/XX/XXXX. 

XXXX ( XXXX ) This account is reflecting an inaccurate date of closing for XXXX  XXXX XXXX XXXX is reflecting XX/XX/XXXX as the closed date however XXXX has made it clear the account was closed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. XXXX XXXX XXXX.
Product: Debt collection

I reviewed my credit reports with XXXX, XXXX and XXXX and found out that Healthcare Collections LLC had been attempting to a collect a medical bill debt for {$880.00} against me. I never received a notice to dispute from the collector or original creditor. I sent a letter to Healthcare Collections LLC on XXXX/XXXX/15 letting them know I dispute their claim under the FDCPA and am allowed to request validation from third party collection agencies. At the same time I sent the collector a letter requesting validation of the debt, I also notified all three credit bureaus in writing that this information is inaccurate. 30 days later I have no debt validation from the collection agency and this information is still reporting on my credit reports and none of the reporting agencies will remove it per my requests.
Product: Checking or savings account

I opened a business account for my company on XX/XX/2021 with NFCU as I am a personal member. I am a consultant that offers small business consulting and career services consulting to individuals. I just opened a logistics subsidiary, XXXX XXXX where I will be providing interstate carrier services as well as freight broker services. I added a DBA to my business XXXX XXXX as well. 
However, on XX/XX/2021, my business account was abruptly closed without any notice or contact as to why. My business account was under XXXX XXXX, XXXX and my access number was XXXX. I only had the account maybe 2 weeks before it was closed with no reason as to why.
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. 
Account name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXi to, 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX. Account # 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 an account without my written instructions.
Product: Student loan

I have been charged so many late fees and not given many options to help with repayment. Now bc I signed up for IBR my student loan debt and accumulated all over again plus my balance increases on my credit report every month.
Product: Checking or savings account

I deposited {$45.00} cashin my account, Key banks ATM stole my money gave back my card and said sorry ATM isn't working this was XXXX on XX/XX/18 I contacted the bank and spoke to 2 people who refused to do anything. I asked for the video and was refused I asked for information on who services the ATM and again they refused to give me any information or assistance in anyway of retrieving they money they stole. I was going to do a police report but it was closed. Basically they steel money and it's legal? I can do nothing because they are a bank. They have 0 customer service and do not care anything about their members.
Product: Credit card

XX/XX/2024 & XX/XX/2024 Mailed Statements from Discover are not providing Return Envelopes. Other Banking and Credit organizations do. Return Envelopes help stream-line the payment process. The information on the back of Discover Statements indicate that a Return Envelope is provided with the coupon to identify your account so that one 's payment is accurately placed. I do not know why Discover would indicate a return envelope and then not provide such a envelope to assist customers with easing the payment process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identify theft and fraud through XXXX XXXX on XX/XX/2019. Someone used my info to purchase cell phones totaling {$4200.00}. I was unaware until i pulled a credit report to make a purchase and learned about the account 's delinquency. 
I worked with XXXX for months to clear my name of this event, which they cleared via email on XX/XX/2019, including notifications to all 3 credit reporting bureaus : XXXX, Equifax, and XXXX. I have had phone conversations with each company to get this resolved and removed from my credit report without success. 
Current status : * XXXX- Still showing delinquent, historical payments * Equifax- Still showing delinquent, historical payaments * XXXX- shows current delinquent payments The failure of these bereaus to immediately correct this inaccuracy has had an effect on my mental health and personal finances, resulting in tremendous amount of added work when trying to get a home mortgage, in addition to a loan denial for a vehicle.
Product: Checking or savings account

My account was closed with capital one on XX/XX/22 Someone deposited a check in my account I tried to dispute it because it wasnt mine and they closed my account because I wasnt secure with my data. I asked them to mail the check they said it would take 10 business days. It is now XXXX still no money I have called and left several voicemails still no call back. At this point I would like the money transfer to the XXXX account that is already in their system
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed a copy of my credit report. It shows a student loan identified as AIDVANTAGE.I have never taken out a student loan through AIDVANTAGE. 

Per the Family Educational Rights and Privacy Act ( FERPA ), no unauthorized third-parties should have any supposed educational record and report them to data furrnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records1.

FERPA applies to any public or private elementary, secondary, or post-secondary school1. 
It gives parents certain rights with respect to their children 's education records, and these rights transfer to the student when they reach the age of XXXX or attend a school beyond the high school level. 
Schools may disclose " directory '' information such as a student 's name, address, and dates of attendance without consent, but they must inform parents and students about directory information and allow them to request that the school not disclose it In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation. 

That means an original contract or similar proof, not just a printout of the payments that were made. 

Provide all DOCUMENTARY EVIDENCE from the public and private side according to XXXX that this is a valid and verifiable debt you are reporting and claiming the accused debtor " XXXX XXXX '' owes. I further demand you provide authenticated and verifiable proof that accused debtor " XXXX XXXX '' was given an advanced and lawful opportunity to opt-out to any disclosers of personal identifiable information to your corporation and its subsidiaries PAST AND PRESENT. 


Per the F.C.R.A, as a federally protected consumer, I am permanently opting out of any and all authorization, I the consum

er may have under duress given you, written, unwritten, verbal, and non-verbal, per 15 U.S.C. 6802. This is effective immediately and indefinitely. According to the Fair Credit Reporting Act 15 USC1681 section 602 a s
tates '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am theConsumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I will contact a consumers rights attorney to pursue my rights for private action under the FDCPA and or the FCRA where appropriate. 

See attached files and account number to validate my findings of FERPA VALIDATION
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE UNVERIFABLE AND INACCURATE : 1 ) XXXX Partial Acct XXXX XXXX  .... 
2 ) XXXX XXXX XXXX Partial Acct XXXX XXXX .... 
3 ) XXXX Partial Acct # XXXX .... 
4 ) XXXX Partial Acct # XXXX .... 
I HAVE REACHED OUT TO EACH OF THESE COMPANIES AND REQUESTED THEM TO VERIFY THESE ACCOUNTS. WHICH THEY FAILED TO DO. I ASKED THAT PROVIDE ME WITH SOME DOCUMENT BEARING MY SIGNATURE AS PROOF OF ME BEING RESPONSIBILE FOR THE DEBT AND THEY HAVE ALL FAILED TO PROVIDE ME WITH SUCH DOCUMENTATION. THEREFORE, MAKING THE ACCOUNTS LISTED ABOVE UNVERIFIABLE. IT IS TO MY UNDERSTANDING THAT REPORTING INACCURATE OR UNVERIFIABLE INFORMATION IS A VIOLATION OF MY RIGHTS ACCORDING TO THE FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list or accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

1 ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : XXXX  XXXX Account # XXXX XXXX ) Account name : XXXX XXXX XXXX Account # XXXX XXXX ) Account name XXXX XXXX XXXX XXXX Account # XXXX the above listed 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 602 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 reporting agency if the person knows or has reasonable cause to believe that the information us inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM FINANCIAL XXXX Opened XXXX. XXXX, 2017 Balance {$4100.00} As a consumer, I have rights that are granted to me to protect me from misinformation being submitted on my own credit report. At this time I wanted to set up a last demand for assessment before I talk with my lawyer for advice on how to deal with inaccurate and unverifiable items that are ongoing to be approved as genuine. You need to deliver me with a copy with the contract agreed upon or voice dialogue where I granted billing me from this account.
Product: Credit card

On XX/XX/XXXX, I purchased a flight using my capital one credit card. The flight was to depart on XX/XX/XXXX from XXXX XXXX to XXXX XXXX and Finally to XXXX XXXX XXXX. On XX/XX/XXXX a war broke out in XXXX and knowing this will be a long war, I called the travel agents I used, called flight agents to cancel the flight. The agent told me that they can not cancel my flight but since I got travel Insurance ( purchased on the same capital one credit card at the same time as the flight purchase ) I could get my money back. I reached out to the travel insurance called XXXX  and made a claim. My claim was denied stating Unfortunately the policy does not provide coverage for your situation. The following exclusion applies : For any claims resulting from nuclear or radioactive risks, acts of terrorism or war like events. 

XXXX XXXX has cancelled all flights to XXXX XXXX XXXX and based on XXXX XXXX XXXX, XXXX Nationals are advised not to enter XXXX. 

American citizens are also advised against traveling to XXXX and XXXX. 

I have provided Capital One with all the information, but according to them, I can not receive my money back unless the flight is cancelled which the travel agency refuses to do, technically is because of the war. 

When I call Capital one, I find myself speaking with agents from different countries who must not understand my situation or potentially have an issue with the country I was supposed to travel to. 

Ive been fighting this argument for over a month and I need your help to get my money back. The XXXX is in the amount of {$1200.00}. 

I would like to mention that my father purchased the same ticket with XXXX and the full amount was refunded by XXXX
Product: Vehicle loan or lease

XXXX day late payment with the three major credit bureau on XX/XX/XXXX I have contact the creditor to explain that a check from the refinance company XXXX XXXX was mail out to them for the full balance and was advise that it would not be consider late sine there was a payoff balances requested how every i was under the impression that everything was okay until I check my credit and seen a late payment hit my credit so I contact them and explain that there was not a late payment due because the balance was paid and was told they would send it to there escalation department because the file was so old now i still see the late payment in XXXX as i apply for a home loan so I disputed this with all three credit bureau to come back verify and updated with the same information I have contact Santander to try to address this but was on hold for and hour and then disconnected so I call the credit bureau and was told to contact the Consumer Financial Bureau
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of an unauthorized credit inquiry from my credit file. As a victim of a data breach, I did not authorize the following inquiry : XXXX  ( Date : XX/XX/year>XXXX  )