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

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. XXXX XXXX is incorrectly reporting an account that has been sold to another entity, yet it remains on my credit profile under their name. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a furnisher of information is required to report only accurate information. Since XXXX XXXX no longer owns the debt, they are in violation of this statute by continuing to report the account under their name. 

Additionally, under 15 U.S. Code 1681b, only those with a permissible purpose may access or report information on my credit file. As XXXX XXXX no longer has ownership of the debt, their reporting constitutes an unauthorized furnishing of information, further violating federal law. 

I request that Equifax investigate this matter and either correct or delete this erroneous reporting immediately. Please provide me with confirmation of the resolution of this dispute within the legally required timeframe of 30 days.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. 

These fraudulent accounts include : 1. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
2. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ).. 
3. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ).. 
4. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

XXXX XXXX of ONE MAIN FINANCIAL reached out to my employer XXXX XXXX XXXX XXXX  to discuss a late payment to which I missed via telephone on Friday XX/XX/2022. My employer DOEN NOT allow personal calls during our work shift yet she is persistent to do so anyways. I would like these unwanted calls to my employer to cease immediately. I personally sent a CEASE AND DESIST ORDER to One Main Financial address and phone number is listed below. 


ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX or XXXX
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Checking or savings account

On XX/XX/2022 I contacted Venmo customer support because I noticed XXXX transactions that I did not make on my account that totaled to {$440.00} cents. They canceled my debit card and are sending a new one but the dispute I filed to get my money back has now been denied. There reason is this ; you were still sending and receiving money during the time that this took place. Venmo has failed to do their job at protecting their customers and actually doing an investigation on my account.
Product: Consumer Loan

First Bank was informed of Bankruptcy filed in XXXX and car has been paid by bankruptcy and in appears as a charge off on all reports and will appear till XX/XX/XXXX. I called bank they said they would fix but never was fixed car was on a loan from XX/XX/XXXX for 72 months but they still put till XX/XX/XXXX that is was on a month to month which is almost 10 years this needs to be fixed it was reported before but still on my report all other loans have been cleared by other banks
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX Account owner Joint Account Original Creditor XXXX XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXXXXXX  Balance owed {$13000.00} XXXX XXXX XXXX XXXX  High credit amount {$3100.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Reported balance {$3400.00} Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Im the trustee of the trust account at Chase bank. They refuse access to her XXXX social security check and have even refused to return it to Social Security when they asked XXXX for it back. I also have a XXXX XXXX XXXX in the trust name that matured in XXXX. They refuse to cash it out. Ive been to XXXX separate branches for help and have received none. It actually took me XXXX XXXX before they would allow me access to the checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX RE XXXX XXXX acct. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit reports You are reporting a late payments .and accordance with the fair credit act first progress has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose XXXX XXXX XXXX S- XXXX : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw on XX/XX/23 a hard inquiry on my credit report that I did not authorize.
Product: Debt collection

XXXX / XXXX /   17  Received a voicemail from centric asset  XXXX   XXXX , wanting my girlfriend 's bank account number. Talked to her, she had received the same call earlier. Caller would not give any information on the supposed debt until she gave out her information. Called back and told them not to call anymore. Received another call a few minutes later stating what was said in voicemail ( wanting bank account numb ers ).   We have never received any paperwork pertaining to this supposed debt. Quick   XXXX    search reveals a lot of scam calls from this number/business.
Product: Mortgage

Bank of America has been dragging out my refinance mortgage application, and charged me excess fees. 

I first applied for a refinance with Bank of America during XX/XX/2019. They pulled my credit and started the application. I supplied all documents required by them as soon as I was asked for it. They asked me to trigger a XXXX process with my current mortgage bank - XXXX, which I did and for which I was charged non-refundable fees of {$250.00}. 

Then without explanation, they cancelled my application in early XXXX, and re-started another mortgage application with a different loan number, and I had to resubmit all the documents all over again. 

It has been almost 5 months since then, and we still have not closed, despite no issues with my credit score or documents. They have pulled my credit twice again since then, and have charged me excess fees on appraisal. I still have no information on if and when they will close my loan. 

I had started this refinance process ahead of my ARM mortgage re-setting on XX/XX/XXXX and had planned to have a new mortgage by that time. Unfortunately that is not going to happen and I have to pay a significantly higher mortgage on XX/XX/XXXX. 
I understand that because of Covid-19, there would be delays, but Bank of America has not offered me any information or explanation for the delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that this inquiry below be removed immediately.

1. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Care credit is reporting a 30 day late on XX/XX/20 and I was never late! When I opened up this line of credit I had set it up with an auto draft payment so it was taken every month on time. I had never had a problem with it and I have never been late. On XXXX the payment was not taken as normal and I was never notified that my payment didn't go through. The only reason I noticed was because I took a look at my credit. I called immediately to resolve this and they told me I had somehow been kicked out of my auto draft? I never set this up and this is not my fault. They assured me that they would waive the fees and remove the late from my credit file. I thought this was done until I looked at my credit again and noticed this late is still reporting! This is erroneous and I was never late. This was their mistake and it needs to be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Chase about an unauthorized inquiry that was pulled on my account on XX/XX/XXXX, I received a response back stating that they will contact all the credit bureaus and have the unauthorized inquire removed, to this date it has not been removed from my credit file.
Product: Credit reporting or other personal consumer reports

A week ago I reached out to XXXX after speaking with a representative from credit karma. There is an open credit card under XXXX XXXX  on my account. This was opened XX/XX/XXXX. I was born in XXXX. Also the state this account was opened also said I had an addresses there, I have never lived there or opened a flexible spending credit card for XXXX XXXX There is a balance of XXXX. I reached out to XXXX and I filed a dispute explaining I am not sure where this account came from. This morning they determined this was my account. I reached out to consumer attorneys after I received the results. I tried to call the XXXX XXXX  number and the calls says this number is no longer in service. I did not open this account it also says the last payment was in XXXX which I never paid to this account. I am not sure where it came from and would just like it to be removed and make sure my credit is not negatively affected. Thank you.
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 : 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: Debt collection

I was paying off my debts but when I contacted First Credit Services XXXX NJ to pay that debt off it was fishy right off the bat. The person who answered the phone could barely speak English so I hung up and called again and it was another person with bad English. I even called a third time and it was same thing and every time I called it was a different person who answered so they all had bad English. This prompted me to do some research on them and come to find out its a scam center. The reviews on XXXX about them says it all. Its a scam center! I cant give these people my info.
Product: Credit card

I made a purchase on Dell.com Dell uses the verbiage " Get personal financing ''. So you prequalify, get approved with " special financing '' that I got for XXXX XXXX. Dell shipped me the computer. On XX/XX/year>, I got a letter and a statement from Comenity Bank. They said that I was actually signed up for a Credit Card Account, and the dell purchase was charged to the credit card at 30.99 %. I did not agree to a credit card, I agreed to personal financing.

Then I got a letter. It said that my credit card account was frozen due to " irregular credit card transactions ''. The account is 10 days old! The only charge is from dell, who I had to go through the credit approval process. So I called on XX/XX/year> and spoke with XXXX. That is all the info she would give me. It was their Consumer Protection and Fraud department. Comenity Bank and they said they could not talk to me until I submitted my Drivers License, Social Security Card, and proof of residency. Most Americans do not have their social security card, nor do banks ask for that!! Dell clearly told me that they had no clue nor should it be a credit card. Comenity Bank also told me that, but the letter and statement says it is a Credit Card account. 

I asked to close my account, they said they would NOT do that. They said they also would not dispute the charges as verbiage is not a good reason. So I called back on XX/XX/year> and spoke with Dell and Comenity Bank again. Comenity bank sad they will not talk to me. They said that the processing takes 30 days or more if I sent them the documents. I expressed my payment due in 19 days. They said that " that is your problem '', and a late fee would be charged and a credit report mark would be issued for late payment and interest rates would go up and I will lose the financing offer Dell Promised. But they would not take a payment from me.

Dell did NOT have an answer as to why there verbiage says personal loan ( NOT revolving credit which that is what a credit card is ) and said that Comenity Bank was the one in the wrong. Comenity Bank Bank blames it on dell. It's not fair, truth in lending, nor is is ethical. It's fraud and misleading by Dell and Comenity Bank.
Product: Debt collection

I called this collection company after finding out that XXXX XXXX had submitted a {$50.00} debt from our now XXXX year old. At the time she was XXXX or XXXX and this was also around the time she was on our insurance. However, I believe we had declared bankruptcy. This was a copay that XXXX XXXX XXXX never EVER called about or anything. We moved in XXXX and had our mail forwarded but NEVER EVER received a bill!!! When I called this company recently, as soon as I found out this debt existed, via XXXX  XXXX alert system, I TOLD them I can easily pay the {$50.00}. They said it was too late because it was over 7 years old BUT THEY SAID IT WOULDNT go on our credit until I just saw in now, XX/XX/XXXX! Why would I not pay {$50.00}??? This XXXX XXXX XXXX is NOTORIOUS for this behavior. One simple phone call or a certified letter would have instantly solved this 7 years ago. We have always paid our co pay at the time of visit but my then minor daughter may have been told she would be billed and didnt tell me .... at least that is the only thing I can come up with. Tell me who to send the {$50.00} to!! I want this off my credit!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submission EXPERIAN consistently responds within 24 hours stating the accounts are accurate without providing and evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ) ,15 U. S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore XXXX actions may also contravene the Consumer Financial Protection Act ( CFPB ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceedings File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal laws and provides consumer with the necessary proof of investigation. This are the collections accounts that I marked inaccurate, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want reported accounts removed off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. First issue I have is my name is not XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX please delete any variations of my name and misspelling the correct spelling is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, IN XXXX. Please delete the following addresses they are not accurate : XXXX XXXX  XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX , XXXX, IN XXXX Please delete the following numbers they are not mine and are inaccurate : ( 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 XX/XX/22 I wrote my check # XXXX to XXXX in the amount of {$4200.00} and check # XXXX in the amount of {$2100.00} to XXXX XXXX. Both checks were stolen out of a mailbox in front of the US Post Office on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As soon as I found out I reported to the police. 

The XXXX check was cashed and paid by Chase Bank on XX/XX/22 even though it had no endorsement on the back. 

The XXXX XXXX check was cashed and paid by Chase Bank on XX/XX/22 and endorsed by XXXX XXXX ( who is obviously NOT XXXX XXXX. ) As soon as I realized that XXXX and XXXX had not received my payments I immediately went to the Chase Branch at XXXX XXXX XXXX to report it. 

I have completed the same paperwork for the Chase Fraud division 3 times and so far I have not seen a XXXX of the {$6400.00} which was fraudulently paid by Chase to imposters.
Product: Mortgage

On XX/XX/year> XXXX XXXX XXXX XXXX had contacted me via phone and informed me that Carrington Mortgage has approved the difference of {$2500.00} to complete payoff and I did ask what was my deadline to submit payment and XXXX XXXX reply was just submit at your earliest so suspended funds will also be applied to payoff mortgage. 
I submitted on XX/XX/XXXX, XXXX and I did get a notice that Carrington picked up on XX/XX/year>. 
Today I called to get status and plus to ask why was I getting a notice that Fed Ex was delivering my a package. The response from a representative named XXXX caused me to blew a gasket. 
Carrington did receive my funds and RETURNED appears that there has been a lack of communication between their departments, resulting in the return of my payoff payment. 
I am deeply concerned about this oversight. I had made the necessary payment in good faith, expecting it to be processed without any complications. 
XXXX informed me once I receive the Fed Ex package to return and which I will pay out of pocket.
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite providing detailed accounts and citing violations under FCRA sections 623 ( a ) ( b ) and 605 ( c ), where the company failed to mark disputed accounts and incorrectly reported last activity dates, none of the credit bureaus have responded within the 30-day period mandated by law. Attached are copies of all correspondence sent. This failure to validate the collection account also violates FDCPA section 809 ( b ) as per FTC guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are not deleting the negatives out of my credit report as on XXXX XXXX. 
On XXXX XXXX I spoke with XXXX Account Vice President and finalize a XXXX   XXXX XXXX Visa Debit payment of {$440.00}. 

I will implement the explaination by email to CFPB of XXXX XXXX on conversation with XXXX.