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

Consumer XXXX XXXX sent Equifax XXXX XXXX mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> a FTC Report number XXXX along with a deletion letter. Equifax was required as per FCRA 605B ( 15 USC 1681c-2 ) to delete these inquires no later than 4 business days after receipt. Equifax failed to delete these unauthorized inquiries. Equifax was sent USPS Certified Mail number XXXX XXXX XXXX XXXX XXXX XXXX on XXXX about XX/XX/year> FTC Report number XXXX along with a letter of unauthorized inquiries appearing on my credit report. Equifax failed to delete these inquiries and was given more than the allotted time to comply with the FCRA. DELETE THESE INQURIES IMMEDIATELY, PAY THE INVOICE FOR THE VIOLATIONS AND DAMAGES TO THE CONSUMER XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XX/XX/XXXX any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX : Account number : XXXX is not complete and it's not accurate. 

XXXX XXXX : Account number : XXXX is not complete and it's not accurate. 

XXXX : Account number : XXXX is not complete and it's not accurate XXXX XXXX  : Account number : XXXX is not complete and it's not accurate I sent to XXXX on XX/XX/XXXX, asking them to reinvestigate the accounts above and here is my tracking number : XXXX XXXX XXXX XXXX XXXX I got the investigation back but noticed nothing was modified or updated. According to 15 USC 1681 ( 5 ) So I sent a letter on XX/XX/XXXX requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 16811 ( 7 ). I did not receive description of the reinvestigation
Product: Debt collection

Midland Credit Management sent me an email on XX/XX/XXXX saying I have an account with them. I called, requested a copy of the agreement I have with them on file ( I have never entered an agreement with them ) and asked that they do not contact me by phone or email any longer. I was called XXXX XX/XX/XXXX at my place of employment and threatened with legal action. I informed them again not to contact me per the Fair Debt Collection Act.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Credit Reporting Agencies for Inaccurate Reporting Dear CFPB, I am writing to formally lodge a complaint against the credit reporting agencies for allowing XXXX XXXX XXXX XXXX  to report an overdue balance on my credit report after the account was charged off. This inaccurate reporting has persisted for XXXX years and has significantly damaged my credit score, negatively affecting my ability to secure loans and resulting in higher interest rates. 

Despite the account being charged off, XXXX XXXX XXXX XXXX  continues to report this information as a fresh charge-off, which is misleading and inaccurate. This has not only harmed my creditworthiness but has also caused me emotional distress and financial hardship. 

I believe that the credit reporting agencies should be held accountable for permitting this incorrect information to remain on my report. It is crucial that they ensure the accuracy of the information they disseminate, as it directly impacts consumers financial opportunities. 

I request that the CFPB investigate this matter and take appropriate action against the credit reporting agencies to rectify this situation and prevent further harm to my credit report. 

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

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

ATTN : Equifax Consumer Dispute Department I have attached this statement to the letters I am sending your company as verification that I am who I state I am, and that I have attached my photo ID and Proof of Address to this letter verifying my identity. 
l am aware of your company sending out a response letter asking for verification and authorization of who is sending my letters, maybe as a way to dissuade me to challenge the inaccurate and incomplete information being reported on my credit report by you. 
l am fully aware of which accounts are being challenged XXXX my letters and I know l have the right to have them investigated, so please do not attempt to violate my consumer rights with response letter such as the kind I have received in the mail. 
Please investigate the account i have in my letters accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found a late payment. 

Creditor : XXXX  XXXX Account # XXXX I was never 30 days late int he month of XXXX  2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by TransUnion. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that TransUnion will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Debt collection

On or about XX/XX/2019, I received a collection notice from First Credit Services , Inc., ( FCS ) for a payment allegedly due to Fight For XXXX XXXX, XXXX XXXX XXXX  in the amount of {$650.00}. On or about XX/XX/2019, I mailed a written response to FCS responding that I disputed their alleged debt because I had never had an account with any entity named XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. 

On XX/XX/2019, I received a notification from a credit monitoring service I subscribe to indicating that FCS, without any further communication to me nor response to my mailed correspondence, had added the above-mentioned account to my credit report as a collection. It is unlikely that FCS had the time to conduct a thorough investigation of my response and they failed to contact me with the results of their investigation of my dispute. 

After conducted my own investigation, I discovered that I had a membership to a health club named XXXX XXXX that I cancelled in XX/XX/2019. I changed banks in XX/XX/2019 and, in doing so, evaluated all my recurring expenses, including the account at this health club. Considering I had not been to the health club in nearly 12 months, I deemed this membership unnecessary. I contacted XXXX XXXX  XXXX and provided written notice as required in early XX/XX/2019. In early XX/XX/2019, I began receiving robocalls advising me my payment was past due. These robocalls provided no operational call back number, so I visited XXXX XXXX XXXX and was told that cancellations could take as long as 60 days to process. Since I cancelled this membership, I do not owe a balance.
Product: Debt collection

Calling for debt on person that is not me. I have advised them that I am not that person and to take me off the robocall list and they continue to call me EVERYDAY. Disruptive and flat out harassment.
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXX  for {$380.00} and a duplicate payment was charged on XX/XX/. The merchant confirmed that several others had the same problem on the same date. The merchant does not show 2 payments made to my account on those dates, only the first one that I made, not the duplicate. The error lay with the credit card processor, XXXX. I contacted my bank, Chime/ The XXXX  XXXX  about the double charge. I was given a temporary credit pending the outcome of their investigation. They concluded that there was no error, and could not provide any evidence to show that I made 2 payments. The temporary credit was taken from me. I provided more details and documentation and the bank concluded that there was still no error. I sent additional details, including the phone number to XXXX on XX/XX/. By this morning, XX/XX/, the bank determined there was no error and declared the decision final.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 SD 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 I have no knowledge of each of these accounts and have lived in XXXX for the last 13 years. All these accounts are fraudulent and I have never had a credit card in the U.S. since I moved to XXXX when I was XXXX. I have contacted these companies and was told I would receive a fraud package in the mail which I never received. I have also disputed these accounts with XXXX.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. Disputed Information 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 The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. A written explanation of the actions you have taken to resolve this issue. Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRES ARE FRAUDULENT. I DID APPLY NOR AUTHORIZE ANYONE XXXX  APPLY ON MY BEHALF. PLEASE DELETE IMEEDIATELY AS THESE INQUIRIES ARE IMPACTING MY XXXX XXXX. ALSO, THE FRAUSTER IS USING THE EMPLOYMENT " MAD XXXX XXXX XXXX ''. I HAVE NEVER BEEN EMPLOYED BY THIS COMPANY. 

XXXX. XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX  XXXX ON XX/XX/2021 XXXX. JPMCB XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 ' XXXX. XXXX XXXX XXXX ON XX/XX/2021
Product: Debt collection

XXXX  XXXX has added derogatory information to my personal credit report, and They've failed to remove the information from my credit files after multiple letters asking them to verify the debt with a contract bearing my signature to validate the debt belongs to me. The initial letter was to ERC XXXX. XXXX XXXX XXXX, FL XXXX which is the same mailing address as XXXX  XXXX for the same debt ( company name changed ). I certified and returned receipt all letters via XXXX. The first letter sent XX/XX/XXXX, XX/XX/XXXX The information was also sent to XXXX, XXXX, and XXXX to be verified in accordance to the laws outlined by the Fair Credit Reporting Act. 

ERC now XXXX  XXXX deleted the item, and then renamed its business to add the account back to credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00}
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, After EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX - XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the TruthinLendingAct.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681section 6 o 2 states I have the right to privacy 15. USC1681section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666ba creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Checking or savings account

Around XX/XX/18 I opened a checking, savings and business bank account at XXXX XXXX XXXX XXXX XXXX   MI XXXX. I presented all the required personal identification documents, and they were deemed acceptable by the bank agent and the accounts were opened.

My wife and I then went abroad for a several months long work engagement. We are still abroad.

AroundXX/XX/18 I wrote myself two checks, each for {$5000.00}, from my XXXX Bank account which I share jointly with my wife, and I deposit said checks to my Chase personal checking account through Chase 's mobile app. The checks cleared shortly thereafter.

Around XX/XX/XXXX I noticed that online access to my accounts had been restricted. I called Chase, and they informed me that one of the ID documents I used to open the accounts was not an acceptable account opening documented, and my accounts will be automatically closed. They said they will mail me a check for the funds that were in the accounts ( {$10000.00} in the checking account, {$320.00} in the savings account ).

A few days later a check arrived for {$320.00}.

A week or so later, I called Chase to ask about getting a check for {$10000.00} from the checking account. They said they can not issue a check for the {$10000.00} because the name on the check was [ wife 's ] name. I explained that the account on which the check was drawn is shared jointly between [ wife ] and myself, but the name on the check is just [ wife ] 's name.

They said they needed to speak to [ wife ]. [ wife ] was right next to me at the time but they refused to talk to her on the phone. They said they require a " phone number that links back to [ wife ] ''. I gave them [ wife 's ] cell phone number but they didn't accept it. They checked their databases and couldn't find the phone number of [ wife ] that I gave them ( [ wife 's ] cell phone number overseas ) and so they refused to issue a check " until such time that I can supply them with a phone number that links back to [ wife ] that they can reach [ wife ] on ''. As I said previously we are now overseas and reachable only by personal cell phone.

I am now in a situation where Chase allowed me to open an account, and allowed me to deposit funds in my account, but then suddenly and without warning closed my accounts and won't return the money I lawfully and in good faith deposited.

For identification purposes, the account number of said checking account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID, I lost my employment. As soon as the CARES Act was created by the government, I applied to receive delayed payments in XXXX. Caliber Home Loans approved of my application, and my mortgage payments were entered into forbearance guaranteed by the CARES Act. 

I was issued a ninety day forbearance. When that was about to expire, I called Caliber Home Loans again in XXXX, and I was issued another ninety day forbearance period. My forbearance was guaranteed until XXXX. 

I sold my house on XX/XX/XXXX, while still under forbearance. Yet, my credit company notified me that my credit report now had a 90 day delinquent payment reported to them. 

I contacted Caliber Home Loans to make them aware of this, but they refused to change it- despite the documentation that I have to prove that I was in forbearance under the CARES Act during the missed payments. 

I have settled the loan- paying it off in full prior to the expiration of my forbearance. Therefore, there were no delinquent payments, and I would like to have that removed from my credit report. 

Please see attachments for proof of my correspondence with Caliber Home Loans, the payoff requests, the fact that I was in forbearance and any other pertinent information. Thank you.
Product: Money transfer, virtual currency, or money service

My complaint is against PayPal. 

They have permanently closed my two PayPal accounts on XXXX-XXXX  on XX/XX/XXXX ( reference ID : XXXX ) and are holding {$4700.00} and {$2700.00} for over 180 days. On multiple occasions, customer service assured me that the money would be released after 180 days. Not only did they not release the money after 180 days, the transaction page indicates that both accounts had the money transferred to PayPal account, without notification. The first transfer was made on XX/XX/XXXX ( transaction ID : XXXX ). The transaction on the second account was made on XX/XX/XXXX ( transaction ID : XXXX ). Both transfers were due to " PayPal 's damage caused by Acceptable Use Policy violation ''. There was a prior notification stating that I would receive an email on how to access my funds after 180 days. The email was never sent to me and both my accounts indicate a balance of {$0.00}. 

Thank you, XXXX XXXX. 

Please see below : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX