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

I am writing to express my continued concern and disappointment concerning the persistent inaccuracies related to a late open account on my credit report, despite multiple attempts to have it corrected. The presence of this inaccurate information is significantly affecting my creditworthiness and financial standing, and I urge you to resolve this issue promptly. 

I have made multiple attempts to have this issue addressed, yet the inaccurate information remains on my credit report. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough review of this matter and take immediate action to correct my credit report by removing the inaccurate late open account. The Fair Credit Reporting Act ( FCRA ) mandates that credit reports must be accurate and up-to-date, and the persistence of this inaccuracy is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with the creditor, or any relevant documentation. 
I expect a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracy, and a revised copy of my credit report reflecting these necessary corrections. 

Furthermore, please ensure that you notify the creditor associated with this inaccurate account about the dispute and provide them with the necessary documentation, as required by federal law. 

The continued presence of this inaccuracy is causing significant harm to my financial well-being and creditworthiness. I trust that you will prioritize this matter and work diligently to resolve it promptly to restore the accuracy of my credit history. I am asking for your assistance to correct this late open account which is being reported in Equifax and XXXX Credit Bureaus : XXXX XXXX Balance : {$10000.00}.
Product: Debt collection

did received a payment notice from collecting agency RSI ENTERPRISE, INC for the amount of {$110.00} due for service non received at XXXX Texas to clarify that XXXX XXXX XXXX XXXX is Under investigation for insurance fraud .complain filed by myself to Texas XXXX pratics askin RSI stay out of my life till the above is resolved also a letter of complain XXXX was filed XX/XX/XXXX 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX XXXX about inquiries I didnt recognize on my report and asked them to remove. They did not .even after I contacted the people and they acknowledged I didnt authorize. 

1. Capital one 2. XXXX XXXX  3. XXXX  XXXX  4. XXXX  XXXX  5. XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX continue to report the account as delinquent even though the account is clearly closed. I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 

Here are the inaccuracies I have identified : Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 
The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness,
Product: Checking or savings account

In XX/XX/year> Bank of America offered {$250.00} reward for bringing ' {$20000.00} new money ' to my account ending in XXXX. I was to leave the account balance at over {$20000.00} for the specified period of time and receive the reward. I have called the bank 3 times and have been told 3 different stories for why the reward was not made available. I can demonstrate I met all the requirements of the incentive yet have not been credited for the {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address your failure to correct inaccurate information on my credit report. Despite my prior dispute and request for verification, the issue remains unresolved, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o for negligent non-compliance.

Failure to address this issue will leave me no choice but to seek legal remedies, including filing a claim for damages as permitted under 15 U.S.C. 1681o.

Please consider this letter as a final opportunity to correct the error before further action is taken. 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX
Product: Student loan

XX/XX/2020, I spoke with a manager one threatened me with possible phone calls when my account is on a do not call list. He declined to continue with assistance once i would not give him a phone number to note on the account. His words were if I got a call from the company, it would not be there fault.
Product: Credit reporting or other personal consumer reports

Name : Address : Date of Birth : SS # : Date : To Whom It May Concern, I received a copy of my credit report and found the following items are in violation of the law. 
There are laws that are put in place, and YOU must follow and clearly you have broken the law with these errors ) on my consumer report below. I never received any statements for the following accounts, which is violation of U.S Code 1666. I never received a statement delivered XXXX  days of the due date. 
Pursuant to 15 U.S.C 1666b ( a ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose. 

Please update the following account below : XXXX. Account Name : XXXX XXXX. Account NumberXXXX I demand these violations be removed and/or updated on my consumer report immediately. 
You never conducted a investigation prior to adding these remark on my consumer report, so a reinvestigation is necessary. I understand that under 15 U.S.C. Sec. 168li ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 
Sincerely yours,
Product: Debt collection

CBCS KEPT CALLING MY CELL AFTER CEASE AND COMMUNICATION LETTERS AND DURING AUTOMATIC STAY XXXX  XXXX. XXXX CALL DOCUMENTED SCREENS SHOTS.THEY ALSO WERE CALLING MY HUSBAND AT ( XXXX ) XXXX 15 TIMES AFTER THE SAME.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX Original Creditor 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

A hard inquiry from XXXX XXXX was done without my consent. I did not authorize this inquiry
Product: Debt collection

They first contacted me by mail. Then the phone calls started coming in. I told them I didnt know what this debt was for & they told me I owed XXXX and had to pay. I told them I didnt have that money & the person I spoke to told me I had to make a payment. I started crying and they told me If I didnt want my credit to be hurt that I had to pay. I kept repeating myself and eventually told them to stop calling me but they kept calling. I blocked the number from my phone and they contacted me again through a different number. 
Ive reached out to XXXX XXXX multiple times through phone and emails and have not received a response either.
Product: Credit card or prepaid card

The first complaint ( file # XXXX ) was filed on XX/XX/XXXX regarding Bank of America 's response on 'Identity Theft ' that occurred on my mastercard on XX/XX/XXXX. The Bank of America 's response on the first complaint filed is found to be not only inaccurate but also irresponsible as the bank has not performed a proper investigation on this matter. 

The mastercard account involved in this is : MC XXXX XXXX XXXX XXXX & MC XXXX XXXX XXXX XXXX ( both are same account while latter one was issued following ID-theft ). 

As an addendum to the first complaint filed ( # XXXX ), I am filing another complaint to the Fraud Dept. of B of A as confusing responses have arrived : ( 1 ) XX/XX/XXXX : a letter from Fraud Dept. arrived explaining the timeline events occurred regarding ID-theft charges. The bank 's explanation is grossly false in nature in that I, XXXX XXXX, have approved the transactions in text response ... ... ... when, in fact, i have not received such text warning. I believe my phone was tapped in by the ID-theft, and I could not have known this because I was busy seeing my patients. 
And when I complained that our phones were compromised and presented the evidence, the Fraud Dept.  did not even bother to investigate this matter. I have a proof that the hours when the fraud charges were made, I was at my office busy seeing patients ( and my wife, XXXX  XXXX, was at the XXXX XXXX XXXX store trying to figure out why her phone was jammed ) ( 2 ) XX/XX/XXXX : a letter from the XXXX XXXX XXXX XXXX XXXX   XXXX is received. This is a collection specialist law firm representing B of A demanding to collect {$27000.00} ( 3 ). XX/XX/XXXX : a letter from B of A is received saying that this fraudulent claim has been resolved. And all credits have beeen placed on my account. 

Now, these are the sequence of events that have occurred during last three months regarding my ID-theft issue. The Law Group representing the B of A is unwiliing to acknowledge the B of A 's own resolution letter. Please conduct a proper investigation and put a clear-cut resolution on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received notification that an account with XXXX  was reported as 30 days past due. I previously disputed this account status and am requesting that it be fixed again. I have never been late with this account.
Product: Debt collection

On XX/XX/year> LVNV Funding LLC reported that I owed them XXXX dollars. I have never bought anything, received anything from this company nor did I benefit from anything from this company nor the company that they represent.
Product: Checking or savings account

So In XXXX Chase closed my credit card due to " inappropriate conduct '' i believe they closed it because they don't like that im critical of them because when you have an issue with chase their customer support agents don't help with anything they deny your help 100 % of the time employees don't give enough information on your issue. For example i filed a dispute on XXXX in XXXX of 2023 because they charged me on something they should not have a few weeks later chase sides with them and reverses the chargeback i call customer support and they say that XXXX tried to contact me and i didnt respond witch is not true and to reach out to the merchant but the merchant did not want to respond. i was able to get it reversed through twitter but it shouldn't have been reversed in the first place, also recently in XXXX they allow a company to overdraw my account with no way of getting my money back when presented to chase they say that they are unable to do anything and because of that i decided to criticise them to be fair there where moments where i said " XXXX and XXXX '' but they are acting like i was threatening them now today XXXX i cant use my Debit card or savings account and they are holding my money XXXX until a check arrives not only that they closed it with no word until i got annoying and they decided to spit the reason out over the phone but they allow me to use a credit card still witch i got 2 weeks ago they are trying to do something wrong to me by hoping ill overuse the credit card so i can be more in debt. not only that they make sure to go above and beyond when you want to dispute a credit card charge but when it comes to debit transactions they do very little.
Product: Mortgage

The beginning of 2019 we started receiving phone calls that we were behind a payment on our mortgage. We asked what payment they were missing as all payments have been made. They were unable to provide this information. In XXXX of 2019 they began assessing a late fee. And are still unable to explain what payment they are missing.
Product: Debt collection

ARS has agreed to wipe away all debt from my credit report to all three reporting agencies... XXXX has done that, but XXXX and XXXX have not... 
XXXX deleted one of the debts, but 2 still have not been deleted. 

I have a letter that states this would be done.. 

Please contact XXXX and XXXX to have all of the debts removed ...!
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to XXXX XXXX XXXX XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND XXXX XXXX XXXX XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND XXXX XXXX XXXX XXXX  to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND XXXX XXXX XXXX XXXXXXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND XXXX XXXX XXXX XXXXXXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND XXXX XXXX XXXX XXXXXXXX to delete this account/item within 4 business days ( Exhibits provided ) XXXX XXXX XXXX XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Product: Money transfer, virtual currency, or money service

I was assured by Chime my banking company that I would receive my direct deposit by end of day for XXXX. 
Its been over a week and I havent gotten anything. I have reached out and gotten distant answers and nothing adds ups. 
I was told a chime employee wouldnt do that. I was told there is no evidence of this yet I have screenshots. They have been gaslighting me claiming my evidence doesnt exist even when I showed them documents
Product: Debt collection

I have an outstanding collections account with XXXX XXXX XXXX. The debt was reported on XX/XX/XXXX. My husband started a XXXX and when we lost everything he XXXX XXXX  leaving me with a huge amount of debt with no options to immediately repay it. 

I have made no payment on this account or worked with them in any way since they took over the debt. On XX/XX/XXXX they added {XXXX} interest and reported it as if the debt was new debt on XX/XX/XXXX causing my credit score to plummet 46 points. 

While I can't repay them at this time, I have been trying to clean up my credit but I'll never be able to when they report the old debt as current and I think this is a pressure tactic for me to pay them. I would but I can't and their actions make the situation even harder on me. 

I don't think their actions are legal or fair as my credit was just starting to improve and they have reset my situation to what it was 2 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX : XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX : XXXX  XXXX XXXX  XXXX Balance XXXX {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Liability : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times to Experian as my credit score dropped by XXXX points from XXXX to XXXX since XXXX. Thinking that it may have been a temporary issue due to a mortgage taken, I decided to wait to see if it sorts itself out. XXXX and XXXX credit scores have and are over been 800 which is puzzling. 

I noticed on my credit summary that it says I have a late payment of " 1 '' but I combed through my credit report, I could not see what is causing the issue. I have not made any late payments my entire life. 

Last week I called customer services who thought it may have been an issue with IT filed a ticket for this. The ticket came back that IT could not find a technical issue. I called back member services again and looked at my credit report line by line and could not find anything wrong. I was referred to the dispute department who also could not find anything wrong and passed me back to the supervisor of member services who also said that there is no reason why my score would drop but it has dropped. My scores with XXXX and XXXX have not moved much and are over 800. 

I was advised to look for a licensed credit counselor which is puzzling because I have worked hard to keep my credit untarnished and the past several years and would unduly burden me for spending money to counsel me with my credit when I know how to take care of it.
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMES TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Product: Debt collection

On XX/XX/XXXX I notified XXXX that my credit card had been lost. 2 weeks later I paid the balance on the card XXXX. Sometime later, within one year, I started receiving debt collection attempts from Cavalry SPV, LLC. They were trying to collect a debt of XXXX. A lawsuit was filed by Cavalry in XX/XX/XXXX, case # XXXX, in the District Court Of XXXX County in XXXX XXXX XXXX, ID. This case was dismissed without prejudice on XX/XX/XXXX. 
The damage to my reputation and credit rating was immeasurable.
Product: Checking or savings account

Check sent me was fake deposited and sent them money check came back
Product: Credit reporting or other personal consumer reports

I hope this finds you well. I am inform you that a 1099-A form has been filed with the appropriate tax authorities, indicating that the property secured under the loan agreement between us has been acquired by you through foreclosure or abandonment. The communication serves as formal notice of the completed transaction. I am upset because everyone I have put on notice have not responded and that is against the law in the postal treaty. 
As a result of the filed 1099-A, I am entitled to seek the refund of any past, present, and current securities, as well as the cancellation of any future debts that may arise from the foreclosure or abandonment of the property. 
I request the discharge of the alleged debt, as all debts, including obligations arising. All debts are pre-paid under XXXX XXXX. As such, they must be discharged using proper forms to meet the obligations set forth by the law.