23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Bank account or service

We purchased tickets to a local concert using our PayPal account. Tickets cost {$75.00}. It was assumed that PayPal would then charge our Credit Card on file. Apparently the card on file was old and had expired. After 60-90 days from the date of the purchase, we received a statement in the mail for the {$75.00} and {$70.00} additional dollars in late fees ( {$35.00} per month ). We called into PayPal and happily resolved the original {$75.00} fees but contested the additional {$70.00} in late fees because we never received a statement from PayPal to know there was an issue. Since then PayPal has continued to charge Late Fees, its now up to {$180.00} and change after we paid the original {$75.00}. We would have quickly resolved the matter if we had been notified with a timely statement. These fees are excessive by any standard.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit profile, I noticed an inaccurate listing. This account contains errors in reporting and needs to be investigated immediately to reflect my correct credit record : XXXX XXXX Date Opened : XX/XX/2024 XXXX XXXX XXXX : {$1900.00}. The Fair Credit Reporting Act requires that bureaus report only accurate credit information ; therefore, every step must be taken to ensure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. I look forward to your immediate response regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX on my credit report and they are over 7 years old and should be removed from my credit report. Also, they sold the debt are hired XXXX XXXX XXXX after sending XXXX XXXX XXXX a Validation Letter they removed themselves off my credit report. But XXXX XXXX XXXX didn't follow through with the same actions. I would like for XXXX XXXX XXXX to remove themselves from my credit report because they are 7 years old and the FCRA and FACTA both states that the credit report has to have accurate information on it. In this case Experian has not been following the Law.
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. 

These errors pertain to the following accounts : XXXX. XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account XXXX XXXX. XXXX - Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.

15 U.S. Code 1666b - Timing of payments ( 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.

I am requesting letters and documents to notify of Late payments on these accounts if such documents are not provided in 30 days, I request immediate removal of these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Honda Account # XXXX was sold to XXXX dealership as part of a trade in. On XX/XX/XXXX the dealership electronically sent Honda finance the payoff amount requested and also issued a invoice check dated XX/XX/XXXX. Honda was also notified via telephone of the events. According to the verified check, Honda did not finalize the payment until XX/XX/XXXX as shown on the copy of the payoff check. I have attached the lease agreement to show that the due date each month for Honda was the XXXX. If the vehicle was sold on XX/XX/XXXX how can this report 30-59 days late. If the vehicle was paid late that would mean Honda did not receive payment prior to XX/XX/XXXX which clearly is not the case. The check verifies payment was made in a timely fashion by the dealership and electronically withdrawn. 

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. Especially when incorrect information only started to appear on XXXXXXXX XXXX XXXXXXXX, 7 months after the closure of the listed account. This is a gross error and a poor job on XXXX to not properly verify this information when there is clear contradictory evidence. Failure to remove incorrect information can and will result in litigations and fines. Please make this correction immediately as this is causing mental stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

These accounts must be removed from all three credit reporting companies ( XXXX, XXXX and Transunion ) for violations under the federal laws listed above. 

XXXX  XXXX XXXX ( Charge-off ) {$530.00} XXXX XXXX XXXX ( Charge-off ) {$480.00} XXXX XXXX  XXXX ( XXXX XXXX {$1000.00} XXXX  ( Charge-off ) {$0.00} XXXX XXXX ( Charge-off ) {$48.00} These 5 accounts are charge-off - Which are being reported as debt, which is a clear violations under the federal laws listed above.
Product: Credit reporting

As a victim of identity theft, I disputed various items on my credit report in XXXX, including XXXX. The investigation returned with no changes. I contacted XXXX regarding the account on my credit report, and was sent documentation verifying the account was a XXXX balance, and closed since XXXX 2016 by having been sold to XXXX. I had opened the XXXX account right before leaving to serve my mission for my grandmother to always have money for groceries and food ; the information on the account was stolen or changed as well - including my name and the address I had on the account. The initial dispute and investigation returned no changes and the account information was not updated, including the high balance and the open status. XXXX provided me with the information that was sent to each of the credit reporting agencies in XXXX and XXXX - clearly indicating that the account was sold and had a XXXX balance, and verified that it was never requested by TransUnion as part of the dispute. TransUnion did not properly request, update or use the information. My grandmother indicated she never used the account ; I have tried multiple times to obtain the statements from XXXX and XXXX to see where the balances came from and what they were - but since the accounts are both XXXX balance and now closed, it is n't vital. What is vital is an investigation into TransUnion 's dispute practices to discover why the initial dispute in XXXX did not result in the correct changes - updating the XXXX account from open to closed and the high balance to XXXX.
Product: Debt collection

Date of telephone conversation : Friday XXXX XXXX, 2017 Name of Company : Asset Recovery Associates, Inc. XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX ( XXXX ) XXXX Let me first state that I had just recently had XXXX and was not totally coherent when the call came in. I had a very terrible experience. I received a VM message and called them back only to be threatened that if I did not pay ( mind you this goes back 24 years ) that they would notify all my creditors that I am a high risk and that all of my credit cards would be cancelled. I was given two options ( 1 ) accept settlement offer now ( 2 ) if I do not accept settlement offer now, that if I called back, it would not be honored. I advised the person that I felt this was a threat and wanted to check with my attorney. All I was asking to do was to have the opportunity to check with my attorney to see if this call was legitimate and not a scam. The representative kept me on the telephone for one hour 26 minutes making every attempt to wear me down. She finally wore me down and was able to put the majority of the money she was trying to collect from me on a bank transfer and the difference on a XXXX. She kept telling me that a Judge had issued a judgement and that it was going to Federal Court. After serious thought and consideration, I realized that there was no way that a Judge had issued a judgement and was filing in a Federal Court. I then requested a copy of the judgement etc. and she refused to send to me stating that the offer would be off the table insofar as a settlement offer. The representative was very rude, threatening and condescending in her conversation with me. They started out with a 50 % discount if settled now, followed by an additional 3 % for senior citizen discount. They prey on senior citizens in hopes that you will fall for their line of XXXX. I did unfortunately and feel really stupid.
Product: Debt collection

this is 3 party collector, has no right to request collect, we dint have any contract with receivable solutions llc. 
on XX/XX/23 i send them second letter requesting verification of the right to claim the collection the Receivable solutions attempt to collect debit of XXXX for 3 bills from XXXX XXXX XXXX XXXX. 
they fail to respond and clear this problem, i hove no idea who they are and do they have right to this debit,
Product: Debt collection

I paid this account off and returned the equipment but this account went to collections. I was told that the account would be deleted as soon as my Account was fully updated in XXXX XXXX. I disputed the accounts and the law office Carter Young updated it as unpaid and it made my XXXX  drop XXXX points. This is a nightmare because im in the process of buying a home. I was told by XXXX they would notify Carter Young to delete the account from my report and not to worry but instead they are wrecking my credit more because instead of deleting it they reported it as unpaid for another month which looks like a missed payment. Even if they delete the acct I still have to wait until my credit recover. This has been a nightmare! They actually owe me XXXX cent I dont owe them a thing.
Product: Money transfer, virtual currency, or money service

I am writing to formally express any concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I, XXXX XXXX XXXX, am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below.

Nothing from your company is matching my reports the credit bureaus have on my consumer report. Last updated date doesnt match, payment status is not the same across the bureaus, theres no data being reported for transunion but yet its still a charge off and showing a negative status with no information to back it up. Balance isnt being reported with XXXX. XXXX doesnt have a 30 day late payment but has 60 days and over late reported. Cant be 60 days late without being 30 days late and it shows that I havent been 30 days late with XXXX. Im seeing multiple violations on this one account being report on my consumer profile. 

The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report Best Regards, XXXX XXXX
Product: Debt collection

Synchrony Bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted all 3 credit bureas and put a fruad alert on my ssn because i noticed that there was incorrect information on my file. Then i also noticed that there were bank accounts i never opened, and the accounts were way before i had turned the legal of XXXX. I turned XXXX in XX/XX/XXXX. And i was living in the XXXX from years XX/XX/XXXX-XX/XX/XXXX i dont know how i would be able to apply for any of accounts. Both accounts were credit and store credit accounts. I had opened an account with bank of america and noticed that they already had an under my name and that the account was recently closed in XX/XX/XXXX a few months before i had arrived back in the US. Same goes for XXXX XXXX when i decided to get a credit check i noticed there was also a XXXX XXXX and a XXXX card and a XXXX account that were all open under my name and my ssn and all the dates were when i was under he age of XXXX. Ive filed reports with the XXXX and with all 3 bureas but all thats happened is just a few corrections of my personal info
Product: Checking or savings account

I have had a checking and savings account with Capital one since at least 2005. Back then it was a bank called XXXX. They merged and the accts became Capitol One Bank. 
Problems XXXX. I scheduled my bill pay like i do every month to pay my credit card payment. Last night i get an email stating the payment has been canceled sue to not enough funds in the checking account. I had plenty of money in my savings account that has always been an automatic sweep to cover the checking. When i called today to ask why the bill pay was canceled, they could not give me an answer and kept saying my acct was now set up to auto decline. I asked when this changed because last month it worked just fine. they said they send a notice. I have never received the notice so i asked for the date they sent it either electronically or by mail and they said they could not provide that. I read every notice from both financial institutions and credit cards and i NEVER received a notice. There is no way a big bank like that would not keep track of when these notices go out. 
XXXX they were sneaky and made all high yield savings accts into low interest savings accounts so all old customers would not know they were not getting interest again i asked for when they sent this notification, and they could not provide it. that's because they never sent any notification. 
XXXX the customer service agent would not give me any answers and just kept saying bank policy. He also said he was the top manageXXXX and no one else could help me. 

I have close to a XXXX credit score if not over and i have never missed or been late on a payment in my life. luckily i called my credit card and they were able to make the payment over the phone to make sure its paid on time since capital one just kept saying they could not guarantee it even though they caused the problem. They do sneaky and unethical business practices that i feel are bordering on illegal and not in compliance with bank reporting acts. 

I feel i should be compensated for the lost int on my savings acct over the years since they changed it since they make it so hard to find and bury it in their online banking. and honestly i should be compensated for my lost time on this payment and undue stress and horrible customer service. 

the rep i talked with is name is XXXX XXXX ID # XXXX and the case number he submitted for me to get the date the notices were sent is case # XXXX I also feel like they should disclose that they work for a call center that obviously is not actually capital one because he could provide me with no answers or help. when i asked him about this he kept lying and when i caught him in the lie he just paused and changed the subject. I want proof of these notices sent and i want my back int.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> 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 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX Balanc : {$2400.00}