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

I am writing to formally dispute a late payment entry on my credit report that AMEX is reporting. This late payments are inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

I have submitted multiple disputes to no avail and no status updates. The Account was reported XXXX days late as of XX/XX/year>. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed. 

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence. 

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement. 

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified. 

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks. 
If the information can not be fully verified, I request that all XXXX late payment entries be permanently removed from my credit report across all bureaus ( XXXX, XXXX, and XXXX ). 
I request confirmation of this correction in writing. 
Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

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

A collection company illegally notified all 3 crdit reporting agencies that I owed a debt. I submitted a dispute to all 3 credit reporting agencies in regards to this matter. The other 2 agencies ( XXXX  + XXXX ) removed the information from my credit file. Tranunion, even though they said I was correct, and they were supposed to remove the information from my credit file, IS STILL SHOWING THE DEROGATORY INFORMATION THE COLLECTION AGENCY REPORTED TO THEM TWICE AGAINST ME. THEY STILL HAVE NOT REMOVED THE INFORMATION! I have tried to get them to remove the information, but as of today it is still on my credit file with them.
Product: Checking or savings account

On XX/XX/XXXX. Someone called me from Bank of America saying someone was trying to use my XXXX account to take money from my checking .before I gave information they needed I quickly realized they were scammers. At the same time another call came saying this was BOFA. I hung up called the Bank and they realize some was trying to take out money with XXXX, so they had to freeze my acct. i specifically told them my rent is in that account to be paid on the XX/XX/XXXX, they said that will go through its on going transaction. They opened a new account for me. But the money was still in frozen acct, {$3500.00}. My rent for & XXXX was paid electronically at XXXX on XX/XX/XXXX. On XX/XX/XXXX I received notice from rental agent, my check was retired and I will have to pay {$1700.00} by XX/XX/XXXX. I called the boa and they said they froze the account and returned the check because of the fraudulent activity on the Acct. the fraud dept sent me back to rental mgm. Who said The check return fee of {$75.00} must be paid but the late fee of {$170.00} will be waived if the will give me a letter stating that yes the funds was in the acct at that time but was frozen. The bank refuse to give me something stating the money was there. Now the fee is doubled to {$340.00} and I am facing eviction. Because the bank sent me letter saying they had to protect my account and even refuse to return the {$75.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please update.
Product: Credit reporting or other personal consumer reports

Complaint Letter to CFPB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Failure to Remove Inaccurate Information from My Credit Report Complaint Against : XXXX, Experian, XXXX Dear Sir or Madam, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the failure of credit reporting agencies XXXX, Experian, and XXXX to remove inaccurate information from my credit report, despite multiple requests. The inaccurate information is negatively affecting my ability to access credit. 
On XXXX, I contacted each of the aforementioned credit reporting agencies and submitted a formal dispute concerning accurate address, incorrect late payment report, inaccurate account balance, inaccurate names XXXX XXXX XXXX XXXX XXXX XXXX and a bankruptcy that has been removed by XXXX per the Fair Credit Reporting Act, while the others have refused sighting some third party that I have not given any permission to investigate my private rights. I provided all necessary documentation to support my dispute, including the INQUIRY REMOVEL, BANKRUPTCY REMOVAL as well as their responses. However, the credit reporting agencies have failed to remove or correct the disputed information within the required timeframe. 
This continued reporting of inaccurate information violates my rights under the Fair Credit Reporting Act. I have suffered financial damages, such as denial of credit or increased interest rates, reduction in credit limits and denial of financing for personal and business financing, due to their failure to comply with their obligations under the law. 
I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to ensure that the credit reporting agencies correct the inaccurate information on my credit report. I also request that any damages caused by this failure be addressed. 
Please find attached copies of the disputes, correspondence, and other supporting documents related to this issue. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX ; XXXX XXXX/ Without Prejudice Enclosed : Copies of correspondence, credit report, dispute documentation.
Product: Credit card

I received a credit monitoring alert on XX/XX/XXXX about an inquiry from XXXX XXXX XXXX Synchrony Bank. I didn't apply for any credit, so I called Synchrony to inform them of the fraud. They closed the account and initiated an investigation. There was already a fraud alert on my credit, but as it didn't prevent this account from being opened, I also placed a credit freeze with XXXX, XXXX, & XXXX. I also noticed there was a phone number on my XXXX credit report, which didn't belong to me, so I submitted a dispute to have it removed. 
On XX/XX/XXXX, I received another credit alert that a new account with XXXX XXXX XXXX had been opened with a balance of {$4800.00}. Again, I called Synchrony because this account should have been closed 3 days prior. The fraud customer service person told me it was open still, but she closed the account and started an investigation. 
On XX/XX/XXXX, I received a letter confirming the fraud investigation was concluded and I would not be responsible for the charges. 
On XX/XX/XXXX, I received another letter saying they were unable to approve my claim ( despite the above resolution ). I called the fraud dept & was informed they received a sales receipt from the merchant where the billing address matched the shipping address. I reiterated I didn't open this credit card and did not purchase any goods, so they reopened the fraud investigation. 
On XX/XX/XXXX, I received a letter about this credit card, but the last 4 digits of the account were different. I called the fraud dept. who informed me the credit card account had been reactivated- which I did not request. Again explaining I'm a victim of identity theft, they closed the credit card account. 
I received a fraud investigation form in the mail, where I gave a brief statement. I faxed this form, as well as a copy of my police report, to the specified number on XXXX. 
On XXXX, I received a physical credit card in the mail ( I was never mailed one previously ). I called Synchrony fraud AGAIN to ask why as I never opened this account and have repeatedly closed it. The representative informed me my fraud claim was denied XX/XX/XXXX, though I never received a letter stating this. I explained I submitted the investigation form, which she couldn't see in my file. Since they hadn't looked at my evidence, she reopened the investigation. I also requested that this credit card be closed yet again. 
On XXXX, I mailed the identitytheft.gov letter requesting all records relating to this account and included a copy of my drivers license, police report, and FTC complaint. I also requested a copy of all records to be sent to the XXXX XXXX Police Department. 
On XX/XX/XXXX, I received a claim rejection letter stating authorized, participated in, or benefited from the purchase and the credit card was activated from a phone number belonging to me ( the latter was not marked on the first denial ). 

I did not attach any documents as I've already mailed copies to the Synchrony Fraud Investigations department.
Product: Prepaid card

So my card was used on a Venmo account for {$830.00} to someone name XXXX I did not authorize this money to be sent I also do not have a Venmo account I am very upset because I feel robbed I tried to contact Venmo but dont have a lot of information about the payment they cant give me any information
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX I received a call from XXXX which identified on my phone as Chase XXXX A woman told me someone tried to purchase an {$1100.00} XXXX from XXXX. I explained that it wasnt mine and she then passed me to the Consumer Finance Protection Bureau so they could help me out. The man from the CFPB went on to explain that since XXXX the government had been monitoring fraudulent companies who were charging high interest rates and they were going to help me get those rates lowered. He had the last XXXX digits of my credit cards and then read the rest of the numbers. I did provide expiration and security codes ( ugh ). He knew the amounts owed on my cards. He knew the other XXXX cards I have. He said someone from XXXX XXXX XXXX would help me next. They were a top company, A+rating with the XXXX He kept saying do you understand, doesnt this sound great? He spoke rather broken XXXX, maybe XXXX, and I was having trouble following what he was saying. This is when I hung up. It was a XXXX minute call. I went to visit my daughter and told her what happened. While I was there I received another call from XXXX which identified as Chase XXXX XXXX. She spoke to a woman who identified herself as XXXX XXXX with a badge XXXX XXXXXXXX and verified that it was a legitimate call I received. My daughter was only on the call for XXXX minutes and asked for a callback number which she didnt receive. 
Ive cancelled my credit cards but I dont understand how they had all my information especially credit cards and the balances and all the cards I have.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with Equifax and XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Product: Credit card

I received a promotion to receive additional rewards points of track action was completed on XX/XX/XXXX. I made XXXX purchase transactions. XXXX was with XXXX XXXX on XX/XX/year> at XXXX PM in the amount of {$1000.00} the second transaction was completed with XXXX XXXX on XX/XX/year> at XXXX XXXX in the amount of {$1200.00}. After I did both transactions, I contacted Bank of America and verified the transactions were there so I could receive the rewards points. I did not receive the rewards points yet they confirmed both transactions were completed per the promotion. I made several attempts to resolve the issue with Bank of America and they still have not resolved the issue. I called XXXX  and was on hold for 36+ minutes for representative and did not reach a representative so I filed this complaint. I did use my other telephone and received the loan department and asked for an escalation manager, and the gentleman refused to submit me to an escalation manager. Instead, he transferred me right back into the consumer credit phone tree.
Product: Mortgage

Fell behind on mortgage with Household Finance/Beneficial and made a payment agreement. Sent the first payment of more than agreed upon, but returned to me because it did not reach them within the date claimed ( takes time for mailing! ). The agreement was made after being denied for hardship assistance with the company, which in their denial recommended I do a short-sale or whatever, basically to get out. During this time I received several confusing correspondences within days of one another stating, thanks for the agreement, we want to help, etc. HUD does not assist on this company 's mortgages and HFC has a growing number of complaints nationwide on how they are taking back homes without working with consumers. I am one of them! Interesting that with 3 months of payments behind ( {$700.00} check sent back today ) that their interest in taking my home coincides with the neighborhood being deemed 'historic ', perhaps making this more valuable. Anyway, I am able to catch up over the next 4 to 6 months, but the company is claiming 'default ' and apparently about to start foreclosure. Our circumstance happened due to medical bills for XXXX and a garnishment I am resolving on my paycheck creating a better debt to income ratio within 30 days. HFC Beneficial has thousands of complaints listed online for foreclosures and difficult to work with. I am a witness and victim. Do NOT want to lose this home even though seems impossible to gain equity. Also they refuse partial payments, holding any payments sent in advance of a payment due without interest thus increasing the amount of interest owed - they apparently just hold it in escrow without applying any portion to payment.
Product: Debt collection

They threaten to call the sheriff but didnt explain for what reason, they called my family memebers non-stop. They are calling me regular ding a debt from which is XXXX to XXXX  XXXX XXXX from 2005. I asked for more proof but non was given. Constant calls and harassment. During the entire beginning weeks of XX/XX/XXXX
Product: Debt collection

The company called. I asked for a copy of the contract. The only thing I received was a letter with a so called notification. I called the company to tell them and they proceeded to attempt to collect the debt.
Product: Money transfer, virtual currency, or money service

To Whom it may concern : On XX/XX/XXXX XXXX XXXX ( email address : XXXX, address : XXXX XXXX XXXX XXXX XXXX, NC XXXX ) sent me an email requesting my freelancer translation service. They agreed to send first half of my payment ( XXXX dollars ) on XX/XX/XXXX. The pay check was issued through XXXX XXXX by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX The pay check arrived via XXXX ( Track number XXXX ) and carries more dollar amount ( XXXX ) than what is in the agreement ( XXXX ). My son helped me to deposit it on XX/XX/XXXX at chase bank location XXXX XXXX XXXX ATM machine. 
At this time, XXXX pressured me aggressively to return the difference through Zelle to : XXXX XXXX His Zelle associated phone number : XXXX Name on account : XXXX Since my bank showed the check was cleared and fully available, I sent XXXX dollars on XX/XX/XXXX and XXXX dollars on XX/XX/XXXX to the above through Zelle respectively. 
The same day they received the money, XXXX XXXX  informed me my account was over drafted, since the XXXX dollar check is fake. 

My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX My phone number is : XXXX Sincerely, XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to me Also, if you have XXXX, you can send the balance of {$650.00} via XXXX to the XXXX  information below : XXXX XXXX
Product: Debt collection

I have previously owed XXXX XXXX as a result of switching to a different carrier, My account was sold to EOS CCA in the amount of {$240.00} and it was opened on XX/XX/XXXX and currently verified to them on the phone as of today XX/XX/XXXX. On the other hand, another agency XXXX XXXX XXXX opened an account on XX/XX/XXXX stating I owed XXXX XXXX {$360.00} which is {$120.00} more than EOS CCA which took first ownership of the collections account to begin with. I believe that I have no knowledge of XXXX XXXX XXXX made an attempt to collect the same payment type but adding more than the previous collection agency. hopefully this is not a result of Identity theft. It does not make sense to pay two ( 2 ) collection agency under one account. In the event it was found to be fraudulent, I am pursuing legal action against XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 A : 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

You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B XXXX XXXX creditor may not treat a payment on a credit file under an open-end consumer credit plan as late for any purpose Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act.
Product: Credit card

I spoke directly to an agent when I made my payment for XXXX and XXXX gave he my information for the bank the payment was never presented to my bank for payment which gave me 30 day late payments twice which is showing on my XXXX credit report, I spoke to an agent in regards to the matter and she said they will not correct the report. I'm asking to have my report updated to reflect the correction on all 3 credit reporting agencies. I'm a woman of XXXX Navy Federal Bank has pending litigation in regards to their XXXX practices towards minorities. They have an active class action lawsuit pending this is the 3rd time they have unjustly reported me as being late with no results, they also applied one payment to the wrong card and never corrected that which made me 30 days late and refused to correct it after they admitted fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous! I have been disputing for the removal of the fraudulent items completely from my Credit File for already a long time and yet the Credit Bureaus have done nothing! I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and infomrmation that resulted due to identity theft. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 attached with my personal identifying documents and the IDTHEFT REPORT I received from the FTC. But despite all these efforts, it is clear that the Credit Bureaus have been slacking and ngeglected their duty with the FCRA. under the provisions of the FCRA section 605b, I need the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX - DEPT OF EDXXXX XXXX Balance {$1300.00} DEPT OF ED/XXXX XXXX Balance {$3100.00} DEPT OF ED/XXXX XXXX Balance {$3800.00} DEPT OF ED/XXXX XXXX Balance {$9000.00} DEPT OF ED/XXXX XXXX Balance {$3300.00} DEPT OF ED/XXXX XXXX Balance {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago, I called the Experian Credit Reporting agency regarding my Credit Report. There was a Negative or Poor Rating due to excessive Credit Report Hard Inquiry on my account. As I further investigate there were 12 Hard inquiry. However, 7 of them are for 1 specific car loan within 5 day timeframe. I tried to dispute this issue via telephone. The Experian Representative " XXXX '' ( Supposedly her name ) I spoke to was very dismissive, rude and talk down to you in an insulting manner. My inquiry and dispute was NOT resolve and proper explannation was NOT provided to me.These inaccurate reports are affecting my Credit Report in a Negative manner. Experian customer service are HIghly Unproffesional and detrimental to my purchasing capabilities.