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

I am writing to formally dispute inaccurate information contained in my consumer report under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). According to this statute, my consumer report should not include information solely related to transactions or experiences between myself ( the consumer ) and your company ( the person making the report ).

My concern pertains to the payment history and the late payments listed on my consumer report. These entries negatively impact my credit score and are considered part of the transactions and experiences between your company and me. As such, they should not be included in my consumer report.

Furthermore, I request that you provide me with a written explanation of the reasonable procedures you have adopted to ensure compliance with 15 USC 1666 ( b ). This statute requires that each periodic statement be mailed to the consumer no later than 21 days before the pay
ment due date. Additionally, please include all the information mandated by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information I am requesting. If you do not provide this information within the allotted time, it will be assumed that you can not verify the late payments on the dates specified above and lack reasonable procedures to ensure the accuracy of my account. Consequently, I will request that you remove the late payments from my account and consumer report with the following consumer reporting agencies : Equifax, XXXX, and XXXX ( or all that apply ), and update the account to positive ( paid as agreed ). The account in question is : XXXX XXXX XXXX XXXX Please forward any changes to my account to the address below. 

Thank you for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

I was scammed on the Cashapp platform. 

A sender sent me two checks to purchase equipment for a job that I was supposed to start. 

After depositing these checks to my financial institution XXXX XXXX XXXX XXXXXXXX ). 

The bank cleared the first check. I sent thise funds to my Cashapp and transferred them to the requested party. 

Later, my bank reached out to tell me that there was an issue with the second check. It had come back counterfeit. 
None of those funds had become available and so none of those funds were used. XXXX  XXXX XXXX said that although the funds had been cleared, they know recognize that the first check was counterfeit as well. 

This resulted in my account becoming negative for the transferred funds I sent using Cashapp. 

I contacted Cashapp to dispute the transaction and they told me they couldn't do anything to resolve the matter and I was just to loose those funds. 

They offered no true help in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am confused and mad at the same time. I'm really trying to figure out how this bureau is even verifying anything on my report when it is clearly inaccurate!!! Its so inaccurate that XXXX deleted these items!!! I've reached out several times to this bureau with no response on the investigation. The dates were XXXX, and XX/XX/2020. This is proof of more than 60 days since I sent my dispute when they are required to supply results in 30 days. Please make this bureau comply with the FCRA requirements.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 

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 XXXX XXXX XXXX. 

XXXX  # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

XXXXXXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX  # 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 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to several items on my credit report that I believe are inaccurate and damaging to my credit score. I have discovered late payment accounts, charge off accounts, and collection accounts listed under my name that I do not believe belong to me. 

Specifically, I dispute the following items : XXXX XXXX XXXX XXXXXXXX late payment account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX  collection account XXXX XXXX XXXX charge off account XXXX  XXXX XXXX charge off account XXXX XXXX  XXXX charge off account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX collection account I believe these items are inaccurate and damaging to my credit score. I have never had any accounts with XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX and I have no record of ever opening accounts with these companies. Furthermore, I do not recall ever having accounts with XXXX XXXX or XXXX XXXX that would result in charge off accounts. 

I would like to request that these inaccurate items be removed from my credit report immediately. According to the Fair Credit Reporting Act, credit reporting agencies have an obligation to report accurate and complete information, and must investigate any disputed items. I am exercising my rights under this act to dispute the inaccurate items on my credit report. 

I have also enclosed copies of documents that support my dispute, including copies of my credit report, bank statements, and any other relevant documentation. I would appreciate your prompt attention to this matter, and I look forward to hearing back from you as soon as possible. 

Thank you for your time and consideration. 

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

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Product: Credit card or prepaid card

I used the option offered by XXXX XXXX XXXX XXXX and chase bank and others where the service offered is to split the original payment say XXXX in to up to XXXX payments and the new first payment and payment 's after that will be added to my minimum balance each month and as described to me by the customer service rep they have a day or XXXX to approve or deny and the new first payment will be posted on the new statement and the new first split payment will replace the original purchase price as to relieve credit usage and overall reduce my actual credit on the card making my limit go from say XXXX to minus XXXX and replacing it with XXXX i think or whatever making my credit usage at around XXXX instead of XXXX as would most reasonable people would believe, cause a. the financial institution still gets paid just overtime, the credit user lessens their credit usage raising their scores and lowering their usage rates and overall credit they have to use to purchase other thing 's for the financial institution to gain. XXXX employees didn't even know the service existed tried to tell me that the program which most credit card companies wasn't used by them until I proved otherwise by actually walking in and showing them. For me it's a deceptive practice and all I have to prove is that me a reasonable person could reasonably assume a service provided should be served a certain especially if the companies policy explaining their service or action is nowhere in plain sight, their employees aren't fully trained and knowledgeable about the service. The service is available for any credit card purchase over {$100.00} and you can split up to XXXX purchases at a time into XXXX payments and the financial institution has XXXX to approve or deny. The person at XXXX tried to tell me folks just do it cause they like adding extra money to their minimum payments every month instead of just paying the minimum balance as required which I've never heard that from anyone
Product: Credit reporting

Victim of fraud - the criminal has been prosecuted and is serving a prison sentence for the crime. Even after submitting documentation verifying the public record that the responsible party was convicted and the account was opened fraudulently the finance companies refuse to remove the incorrect negative information from my credit report according to the FCRA.
Product: Checking or savings account

From XX/XX/XXXX XXXX XXXX XXXX I purchased a tool online from a vendor and was a victim of an impersonation scam where the vendor created an identical site and profile page as the real one and received my funds through XXXX This amount was XXXX USD. The seller claimed to send something the following day but promptly deleted their profile, page, and chat history.
Product: Credit card

I have a Macy 's credit card account which I use occaionally. It is my practice to pay off card within 3 months of creating a balance. XXXX XXXX XXXX I had a balance of {$350.00}. I paid {$100.00} in advance of the due date ( XX/XX/XXXX ) which left a balance of {$250.00}. The following month I paid {$150.00} in advance of the due date ( XX/XX/XXXX ) which left a balance of {$110.00}. The following month I paid the balance in full of {$110.00} which left XXXX XXXX XXXXXXXX 
I received a statement in XXXX which had a balance of {$2.00}. Since my bill is due the XXXX of each month I called Macy 's directly ( XXXX ) and spoke with a representative by the name of XXXX. I explained my bill was paid in full as of the due date last month and asked why I had a charge of {$2.00}. She removed the charge. Today, XX/XX/XXXX I had a message indicating that I needed to contact Macy 's because of a delinquent account. I called the customer service account on my bill ( XXXX ) and inquired about the deliquency. I was informed that I had a {$2.00} delinquent bill and a {$29.00} late fee. I culd not understand the representative and asked to speak with someone else. After 3 attempts I was transferred to XXXX who indicated she was a customer representative for both Bloomingdales and Macy 's. I again inquired as to why my account was delinquent. The call was disconnected. I called back and was connected to the collections department. I spoke with XXXX and was informed that the original {$2.00} charge was removed. I than inquired about the additional {$30.00} balance and was informed it was a late fee. The fee was eventually removed per XXXX after many attempts at explaining the eronious charge. I have had a Macy 's account for over 20 years and I do not appreciate how I was treated. I pay my bills on time so that I can maintain good credit standing. This practice should be outlawed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, the below credit inquires on my credit report were not authorized by myself. I have communicated with the companies personally and have all stated that there is no record of an inquiry in their system. I am asking that Equifax honor my word that the below are fraudulent inquires and remove them as requested through their dispute services on several occasions and the credit agency have not responded correctly. 
Inquires that are fraudulent : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Credit : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Product: Vehicle loan or lease

I previously spoke with a representative from XXXX XXXX XXXX ( who was the collection company for TD auto finance ) who told me that if I paid and resolved the debt that they'd agree to delete it from all three credit bureaus including XXXX, XXXX & XXXX because it was showing as a negative charge-off. I then paid and resolved the account and was then told they would send a letter in the mail confirming this after payment. I received the letter several weeks after payment was made stating my account was indeed resolved however, it was still showing as a negative account on all three credit bureaus. So the agreement that was made was not held up on their end. I have disputed this item numerous times via different channels to no avail. All I've gotten are remarks added to my credit report saying " updated '' but still no deletion made. With all the disputed attempts made requesting for deletion it has yet to have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dropped my score over 40 points Nothing new occurred no new accounts no late charges etc. went from almost 800 down down below 750 Transunion just did the same thing And XXXX  No reason given how can a score dropped over 40 points in less than a month When all my acts are paid off and up to date This is unfair Ive tried hard for a great score Thank you XXXX XXXX
Product: Checking or savings account

I'm an XXXXXXXX XXXX at XXXX University in the city of XXXX XXXX and have deposited a check of {$1900.00} on XX/XX/2021 with Santander Bank. The bank has immediately blocked my account. Upon calling customer service, I was informed that they have temporarily locked my account till the the time that the check clears and asked me to wait for a maximum of 5 days. 

The check has no elements of fraud and has been sent to me from XXXX as my paycheck. After duly waiting for the stipulated time, I contacted the bank again but they refused to open my account. The bank has confirmed that the cheque has cleared and there is no problem with it. Despite this and no other reason from the bank, my account remains closed and I am unable to make a single transaction. 

I have called customer service 14 times, visited the local branch on XXXX XXXX, XXXX XXXX 3 times but account remained blocked for close to 15 days. Each time the bank manager or representative asked me wait for 2 more days and have not been transparent about why my account has been blocked. Even after waiting, no resolution has been taken. I have filed customer complaints with Santander and have raised 6 escalating mails with the concerned analyst in the fraud department but have received no help from them. 

The bank has pained me to extent that is unimaginable as I have had difficulty getting food during this period. I request immediate help and a severe punitive action against them.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX regarding fraudulent credit inquiries that have been added to my credit report. These inquiries were made without my knowledge or authorization, and despite my repeated attempts to dispute them directly with XXXX, these unauthorized inquiries have not been removed. 
I am a victim of identity theft and have filed an FTC Identity Theft Report to substantiate my claims. I have submitted multiple written disputes to XXXX, requesting that these inquiries be removed, but they remain on my credit report. 
Below are the fraudulent inquiries I am disputing : Unauthorized Inquiries : JPMCB Card XX/XX/year> I have contacted XXXX directly and requested the immediate removal of these inquiries. Despite this, XXXX has failed to properly investigate the matter or remove these unauthorized inquiries from my report. 
Additionally, I have already escalated this issue to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ), but I am yet to receive a satisfactory resolution. 
Complaint Details : I am a victim of identity theft and have filed an FTC Identity Theft Report as supporting documentation. 
XXXX has failed to remove the unauthorized inquiries despite my written disputes. 
JPMCB Card made an inquiry without my consent on XX/XX/year>, and I demand that it be removed immediately. 
I have already escalated this issue to the FTC and CFPB, but XXXX has not addressed it adequately. 

Additional Information : Supporting Documentation : Attach your FTC Identity Theft Report and any relevant communication with XXXX regarding the disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to MOV, Fair Credit Reporting Act Request under XXXX ( XXXX ) ( XXXX ), for the items listed below within the time set forth by law .... 

Bank Of The West XXXX Open Date XX/XX/2019 XXXX
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account XXXX : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with BRCLYSBANKDE. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with BRCLYSBANKDE for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXBalance XXXX {$730.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX*Balance : {$1400.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXXBalance : {$1300.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$2100.00} XXXX XXXXBalance : {$2600.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00}