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

XXXX, XXXX, and XXXX  continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX  XXXX any other name or address is not correct and should be deleted to comply with federal law. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XX/XX/XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXX XXXX Balance XXXX : {$0.00XX/XX/XXXX Balance Owed : {$0.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX, XXXX CARD XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft several accounts were opened fraudulently. I have a identity theft affidavit and police report. Equifax hasn't updated or fixed the inaccuracies on my credit file. The accounts that need to be deleted are as follows. XXXX  XXXX # XXXX, Dept of ed/ XXXX  # XXXX three accounts were opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX  XXXX XXXX  {$2900.00} opened XX/XX/XXXX, XXXX XXXX  opened XXXX XXXX {$73.00}. All these accounts are inaccurate.
Product: Bank account or service

My issue is with Bank of America, there has been a freeze on all my accounts without Any explanation. These are my ACCOUNTS THAT ARE FROZEN? HAVE NO ACCESS TOO. checking account : XXXX savings account : XXXX business account:XXXX I have no access to Any of my funds. They are telling me different stories no one is giving me a clear answer on what is actually happening. I have gone into multiple branches and called multiple times asking for who is in charge. I am sad to say I only bank with bank of America. I ca n't access anything. They saying someone hacked into my account now? They are saying it 's under investigation? The only thing unusual was the check my lawyer ( XXXX XXXX ) put into my savings account for the amount of {$16000.00}, Thursday because he won a case for my Injury. My lawyer also banks with Bank of America, he verified the check and his account with them still nothing, they wo n't explain to him or to me what is going on? No one is telling me when my funds will be released to me. They are saying my account is under investigation and they are saying its a business decision. 
The problem is NO one is giving me Real answers and I am without FUNDS from any of my accounts and I need to pay my bills and I need help getting this reslove as soon as possible.
Product: Debt collection

Jefferson Capital system sent me a letter saying I owe {$520.00} for a platinum MasterCard credit card. They refused to give me any other information from my phone call on XX/XX/21 other then it is a debt from XXXX XXXX. I have never had a credit card from XXXX  XXXX. They immediately offered me a settlement amount of {$260.00}, but I then requested prof of dept. the representative stated that they can not provide me with that information. I then contact XXXX XXXX who let me know that there was an account using my name and SSN was opened several years ago but with a different address. They told me since it was already sent to collections there was nothing they could do.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX  XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried multiple times to dispute this account with all credit bureau 's I am a XXXX combat veteran with a 100 % service connected rating when I call merchant & professional this morning and informed them of my  XXXX status the person who answered informed me that it was not his job to bill the VA and that when I am taken in a abulance it is my responsibility to tell the abulance company " XXXX XXXX XXXX XXXX '' that they should bill the VA. I asked for the account to be removed from my credit report and to send me an itemized bill so that I could forward it to the department of veterans affairs myself. I was spoken to very rudely and treated like a criminal by this person for a abulance ride that I don't even recall having gone on. I have disputed this account so much that the credit bureaus will no longer allow me to dispute it again. I do not know what else to do so any help with this matter would be great thanks and have a great day.
Product: Checking or savings account

On XX/XX/2018 I went to the Bank of America ( BOA ) website to check my credit card and saw an advertisement that said BOA was opening branches in XXXX ( my city ) and offering a {$300.00} bonus after meeting the terms of the account. I opened my account and captured a PDF of the exact offer I used just in case. On XX/XX/XXXX, I contacted their customer support team ( via XXXX ) to confirm the offer since I didn't get anything in writing. The customer support asked me to email documentation, which I did that same day ( XX/XX/XXXX ) - this is Case # XXXX. A few days later, he called back and confirmed the {$300.00} bonus. A few weeks later I met the terms of the bonus ( including changing my direct deposit for over {$4000.00} ). On XX/XX/2018, I receive a letter in the mail saying my bonus is only for {$100.00}. I contact the customer support team again and receive a call on XX/XX/2018 saying that I was not targeted for the {$300.00} bonus. I explain that I am targeted and I still see the offer when I go to login to the website, I also tell them about the previous case where I was told this was resolved and submitted the offer. They will not honor the original {$300.00} bonus offer. 

Also, the offer is viewable here : XXXX XXXX XXXXXXXX XXXXXXXX I'm attaching a PDF version of it.
Product: Debt collection

Conserve claimed that I authorized repeated payments, and they continued to take monthly payments out of my account, they also lied about previous payments.
Product: Credit card or prepaid card

A charge to my Citibank account was made early 2020. It was for a flight to XXXX Ga, to cover the XXXX XXXXXXXX XXXX as a XXXX. This was a XXXX XXXX, transportation was paid for by my employer. ( They reimbursed me for the fee ) Covid-19 cancelled the tournament. I told Citibank the airline was refunding the fee, but the money had to go to the bank account on file. I talked to Citibank 3 times during the process, they said it would be taken care of. In fact, on the third call, Sunday, XX/XX/XXXX the rep from Citibank said this would be taken care of in three business days. Nothing. Today, XX/XX/XXXX, the company said it's not their policy to send back money, they reimbursed my account, end of story. It's not my money, it's not their money. They either lie to their customers to get them off the phone or chat or every rep is ignorant or a liar.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the incorrect inquiry reporting on my Credit Report : XXXX XXXX XXXX Inquired XX/XX/2020 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Debt collection

I am writing in reference to the alleged debt associated with SSN ending in XXXX, which your company has reported as charged-off. Based on the information reflected in my credit report, the balance of this charged-off debt is less than {$600.00}. 

Legal Definition of Charge-Off A charge-off occurs when a creditor deems a debt uncollectible and writes it off as a loss for tax purposes. Under Generally Accepted Accounting Principles ( GAAP ), once a debt is charged off, it indicates that the creditor has ceased further internal collection efforts and considers the debt uncollectible. This typically removes the debt from the creditor 's active receivables.

Accuracy of Information under 15 U.S.C. 1681e ( b ) Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information you report to the credit reporting agencies is both accurate and complete. Reporting a charge-off without reflecting the full details of the debt 's resolution or its current status may result in inaccurate credit reporting, which violates federal law. It is your responsibility to correct any errors or misrepresentations regarding this debt. 

Request for Clarification Given that this charged-off debt is under {$600.00}, I understand that you are not required to issue an IRS Form XXXX, as debts below this threshold are generally not considered taxable income under IRS guidelines. However, I am requesting the following clarifications : Confirmation of XXXX : Please confirm in writing that this debt has been charged off and explain whether any future collection efforts will be pursued by your company or a third-party agency. 

Current Status of the Debt : I would like a full accounting of the current balance, including any fees, interest, or other charges that have been added since the charge-off, and whether the debt will be transferred or sold. 

Accuracy of Credit Reporting : If this debt has been resolved or written off entirely, I request that you update all credit reporting agencies to reflect the correct status. Continued reporting of this debt without proper updates may result in inaccurate reporting, which is a violation of the FCRA.

Request for Immediate Action I ask that you provide this information within 30 days of receipt of this letter. Failure to accurately update my credit file or provide the requested information may result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory agencies. Additionally, I may seek legal remedies for violations of 15 U.S.C. 1681e ( b ), which ensures the accuracy of consumer reporting. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified time frame.
Product: Student loan

My private student loans were charged off and turned over to a collection agency sometimes in late XX/XX/XXXX I believe, though overall I 'm unsure as I do n't recall receiving the initial formal notice. I filed for Bankruptcy in XX/XX/XXXX, and began making payments in an attempt to repair my credit in XX/XX/XXXX. I have been making regular, on-time payments since and entered a formal payment agreement with reduced interest rate as of XX/XX/XXXX as well. Since, the collection agency has continued to be irresponsible in their collections practices, forgetting to contact me to initiate reauthorization of payment arrangements and more recently sending notice of intention to pursue debt, for which I am already paying as agreed. 
Further, the originating debtor reports my account as " closed '', though continues to report my account as a " charge off '' each and every month to the credit bureau, continuing to damage my credit each month despite this already being turned over to collections and me paying on it each month as per a formal/written agreement. I have attempted to contact the original debtor to address my concerns with their collection agency and get some guidance as to options available and potential rehabilitation and reassuming my debt, though have been unsuccessful in reaching anyone as each time I am redirected to the collection agency through the phone system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Disputed Credit item XXXX XXXXXXXX XXXX Date Opened XX/XX/2021. 

Dear TransUnion LLC,. 
I do not recognize or acknowledge the following items listed on my credit file : XXXX XXXXXXXX XXXX LOAN TYPE CREDIT CARD I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding this item listed on my credit file : XXXX XXXXXXXX XXXX  Date Opened XX/XX/2021. 
As per Section 609 FCRA, I am entitled to see the source of the information, the original contract containing my ink Signature. 
If you can not verify this account with the original contract, I will expect a response of receipt of this letter to see the item in question DELETED OR REMOVED from my credit file. 
Sincerely,
Product: Credit reporting or other personal consumer reports

This has been ongoing for the past XXXX  years. My XXXX XXXX were manipulated with my knowledge or consent. They took away my XXXX XXXX XXXX XXXX XXXX XXXX. I tried going back to XXXX  and had reached the total max. I reported this to everyone involved the new XXXX, the past XXXX  and the XXXX XXXX XXXX. They refused to resolve the issues and reinstate my available XXXX XXXX. Im {$80000.00} in debt with a XXXX XXXX XXXX and they wont even give me a XXXX  for the classes already paid for! This debt has weighted heavily in my personal credit report. I have applied for the forgiveness and all. Then I have unauthorized medical bills on my credit. I have disputed these things with the credit bureaus and even put an alert on my credit. Nothing has improved. It is a deliberate defying of constitutional rights and laws! My credit rating is so very low. I cant qualify for anything. I have even reported identity theft and provided paperwork. They have other peoples debt stuck to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information that the account is opened. this account was fraudulent and needs to be removed XXXX is reporting a second fraudulent account that needs to be removed XXXX never sent a billing statement nor bill of a balance due. i am requesting all lates be removed. 

XXXX  : i was never late this account is my own money and should never be showing as late XXXX XXXX is reporting lates over 7 years old. lates need to be removed
Product: Credit card or prepaid card

I recently opened a credit card with US Bank. Promotion was twenty months interest free. Problem arose when I attempted to use my card for a {$24.00} purchase and it was declined. Now I am standing in line with four other people behind me. This was humiliating, in as much as I had NO idea why this happened. Just to clarify, I had a credit limit of around XXXX my balance was XXXX. I had made three payments between XXXX and XXXX.. One on the XXXX of XXXX. for {$200.00} then again on the XXXX. for another {$200.00}, finally on the XXXX. of XXXX another {$250.00}. That was {$650.00} in a month in a half. When I contacted member services I was told that I made my payments too early ... ..Unbelievable. I'm embarassed because I pay my bills ahead of time. Subsequently I cancelled this card, after talking to a supervisor who abruptly and rather rudely told me, I didn't understand, it didn't matter the payments are electronically assigned to pay periods no matter what..
Product: Credit reporting

Barclay Bank reports account XXXX as derrogatory/delinquent on my credit report. I have sent a request on XX/XX/2016 and XX/XX/2016 requesting validation of debt, otherwise, Barclays must remove the reports from all XXXX credit bureaus. Barclays received my certified letters on XX/XX/2016 and XX/XX/2016. On both occasions Barclays was unable to validate my debt, however noted on my credit reports as " disputed '' or " consumer disagrees '' but it never provided evidence ( validation of debt ) of the debt belonging to me. A letter indicating they are researching or a computer print of credit card bills is NOT validation of debt. A validation of debt must bear my signature of said contract. Barclays failed to so in a timely matter. I have requested numerous times to remove the invalid information on my credit reports but Barclays have neglected to do so.