23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I disputed an XXXX charge on my current account that was made for over {$400.00}. XXXX instructed me to contact current bank and instructed them that because my bank cards and that purchase was not made using my XXXX account the only way they could find the account that someone had used my card under was if my bank filed a dispute because the money and purchase were not made under my XXXX account. I sent am email and called the bank in charge of current and they transferred me to a representative from current I explained i had XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX on XX/XX/year> and on that day the XXXX XXXX XXXX XXXX XXXX  until after XXXXXXXX XXXX that night inwhich made it appear I was XXXX on XX/XX/year> the purchase from XXXX were made after I was XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> so I had no access to purchase anything from XXXX. Current bank has still not yet done this because they are saying I wasn't XXXX til the day after even after I sent proof I was XXXX  at the time of the purchase. That was not the only fraudulent charges made during my XXXX XXXX XXXX between XXXX. I provided proof I was XXXX  and the XXXX  instructed me to explain because they didn't XXXX XXXX til after XXXX on the XX/XX/year> that it wouldn't show i was XXXX until XX/XX/year> however if they called and spoke to XXXX records department they would confirm i was in fact in XXXX XXXX XXXX  during the time of the XXXX purchase XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX {$390.00} I recent checked my credit report after receiving a letter from XXXX stating my information was in a data breach this debt collector, engaged, an abusive deceptive and unfair practice of the FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign any agreement on a legal contract is signed by two parties and I did not participate in any of it more so they did not follow the proper five step validation procedure, which makes this unfair practice according to the FDCAPA Im entitled to {$1000.00} per violation and clearly they violated my rights. I demand this company to delete this account from all three credit reporting agencies and compensate me for the violations, or I will have no choice, but to move forward with legalization attorney
Product: Vehicle loan or lease

This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specificinformation being disputed is the derogatory nature of the information you have furnished to the creditreporting agencies in connection with the above mentioned account.The basis for my dispute is your company was required to notify me prior to, or no later than 30 daysafter furnishing the negative information to the consumer reporting agencies, in writing ... that suchfurnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with thisrequirement.Therefore, provide me documentation of notification ( i.e. a copy of the notification sent ), and proof that it wasdelivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ) .If you can not provide proof of notification and date of receipt, then you can not substantiate youfollowed the procedures required under the Fair Credit Reporting Act. In addition, by not being able tosubstantiate you performed your duties imposed under that title, you are now in direct violation of it.Therefore, the continued reporting of negative information to the credit reporting agencies in connection withthe above mentioned account may constitute the furnishing of false information with malice or willful intent toinjure me.To correct this error you must delete the account in its entirety, or permanently block the reporting of saidaccount, report the results of your investigation to the consumer reporting agencies to which you furnished theinformation, and provide me written confirmation thereof.
Product: Debt collection

I am disputing Credence Resource Management .This agency has re-aged this account according to the original creditors date of first delinquency. I am not certain of the exact date of the first delinquency but this account has been illegally re aged by XXXX different companies that I have found so far. On XXXX XXXX XXXX XXXX XXXX reported this same account as being opened with a balance of {$710.00}. XXXX XXXX XXXX XXXX reported this account as opened on XXXX XXXX with a balance of {$710.00}. XXXX XXXX XXXX XXXX XXXX reported this account as opened XXXX XXXX with a balance of {$710.00} but a high balance of {$570.00}. This account was removed from my report XXXX XXXX and then added back XXXX XXXX. And Now Credence Resource Management is reporting it as opened XXXX XXXX with a balance of {$710.00}. I have never spoken with any of these companies and I am just realizing that this has been happening and that I can dispute all of this information.
Product: Credit reporting or other personal consumer reports

RE : Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : Your company is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

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 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : Your company DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive, and your company never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : Your company has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so Your company doesnt even know if these accounts are accurate, but yet Your company reported this inaccurate information. Also, 00Your company reported that I owe a debt, but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive.

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) 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 the written instructions of the consumer to whom it relates I never gave Your company any written consent to report anything on my consumer reports no consent is identity theft If the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support Your company reporting the above-mentioned accounts and inquiries. If Your company is unable to provide proof, PLEASE DELETE above accounts and attached inquiries. 



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

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX {$6900.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  XXXX {$3200.00} XX/XX/XXXX XXXX XXXX {$6900.00} XX/XX/XXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Several months ago I saw 2 accounts that this company had on my credit report. So I called them up to ask them to please send me letters verifying the debts. They proceeded to tell me that they can not send me anything because I am not in North Dakota and they aren't allowed to send anything to New York, where I had recently moved. I told them that per the FDCPA they are required to send me verification of the debt, I asked for proof that the debt is mine by sending me something with my signature on it and something breaking down the amounts owed. The woman told me that I am not a debt collector and that she knows better the laws better than me. She then hung up on me. I called her back and reminded her that per the FDCPA she is required to send me verification of my debt. Again she refused and hung up on me. I let it go because I wasn't sure what else to do but it recently has been brought to my attention that I can report them for fraud.

They also repeatedly report these debts I allegedly owe them month after month. I have never seen a collection agency do that. They report the debt every month as if it were a whole new debt and i have noticed the amount goes up a little bit every so often.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter concerning my credit report and to request your assistance in resolving this issue in accordance with the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the presence of inaccurate information on my credit report. To date, Experian has not responded to my inquiries. I am providing you with the following details of the inaccuracies and the necessary corrections required : The account under the name XXXX XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$12000.00} ) is not associated with me. I request its immediate removal from my credit report. 


The account labeled " XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) requires further examination due to incorrect reporting. The reported balance of {$10000.00} is in dispute as I believe it to be higher than what I owe. Additionally, this account is presented as closed, and therefore, the Past Due amount should not be provided. I request that Experian mark this account as disputed while I address this discrepancy with the creditor. 


The account identified as " XXXX XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) has inaccurately reported information. The reported balance of {$390.00} is in dispute, and I believe it to be lower. Furthermore, this account is closed and charged-off ; thus, the Past Due amount should not be presented. I request Experian to mark this account as disputed while I resolve this dispute with the creditor. Verification of Date Opened, Date of Status, and First Reported is also requested. 


The information provided for the account " XXXX '' ( Date Opened : XX/XX/XXXX, XXXX : {$9100.00} ) contains inaccuracies. The original creditor for this account is not as indicated ; it should be " XXXX XXXX XXXX. '' The reported balance of {$9100.00} is in dispute, and I believe it to be lower. I dispute this account and request verification of Date Opened and Date of First Delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies XXXX, XXXX, and TransUnion in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). 

This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.
Product: Credit reporting or other personal consumer reports

I looked at my report on XXXX XXXX XXXX I noticed some things are still incomplete and not accurate. 
Date of Last Activity Date Open Account Status Original Creditor XXXX XXXX with XXXX is not on my credit report This account was sold without my knowledge I am not liable for this debt with XXXX XXXX XXXX, XXXX. I do not have any contract with XXXX XXXX XXXX. 
XXXX are not reporting this According to the Fair Credit Reporting Act. 15 U.S. Code 1681e - Compliance procedures. ( 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: Credit reporting, credit repair services, or other personal consumer reports

Notified XXXX XX/XX/XXXX, and sent another dispute in XX/XX/XXXX of a public record/employment record showing up on their credit report as not accurate. I asked for deletion, if documentation could not be forwarded to me, instead of hard documents, they simply stated they received the information from a 3rd party ( lexis-nexis ) ... ... The problem is it 's not mine. They know it 's not mine, because they ca n't even send documents!!! I never owned any property with back taxes in California, or any other state/country. They are listing this information based on a computer " probability '', and not based on any physical absolute, hard documentation with names/signatures. Image 3781 attachment : Is FROM Lexis-Nexis. As you can see ... .NONE OF THAT INFORMATION MATCHES. Not my name, not my address, not even the case # 's of this mystery lien.This is unacceptable that privately held companies by the name of CREDIT REPORTING AGENCIES, in our country can just place things against consumers ' names, and WE ARE THEN LEFT WITH PROVING IT IS NOT REAL ... ..WHEN IT WAS NOT REAL TO BEGIN WITH!!!!!
Product: Credit card or prepaid card

In XX/XX/XXXX we received notice of a Sams Club Online purchase on our account and card being shipped to XXXX GA. We live in PA. We called Sams Credit ( Synchrony ) and reported it. The opened an investigation and replaced the card with a new account. In XX/XX/XXXX the card statement came and there was a similar charge to the first one and we called in and they told us that was also fraudulent. We closed the account. Also on XX/XX/XXXX Synchrony sent us a letter that the account was reopened in error and later was closed. When we received a XX/XX/XXXX statement it still showed a balance. We spoke to a couple of useless individuals that said they could not do anything. We finally got one that tried to help. She said someone closed the investigation. She would reopen it. She also said the second charge was moved from the first account and was not another charge. I told her that would have been useful to know, we would not have closed the account. On XX/XX/XXXX we received the XX/XX/XXXX statement with a {$110.00} credit and a different amount due, but new finance charges. We called in. We found out the first complaint was supposedly closed because the chard did not show on a certain date. They reopened it in XX/XX/XXXX with the correct date. They refuse to say how the account was reopened or acknowledge the letter was even send ( we have it dated XX/XX/XXXX ). Now we are told the investigation refund was applied to the old account on XX/XX/XXXX. ( We never received notification or notice of a credit ). So, we have an investigation that has gone on for over 100 days and aren't sure if it is even correctly resolved, and an account that was fraudulently reopened that they will not acknowledge even though they sent and we have a letter.
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX, this account was removed from my Transunion Credit Report as well as my XXXX  Credit Report due to being established through identity theft. This account who should have blocked upon Transunion and XXXX receiving a copy of a Police Report listing this account as Fraud. Instead the previous collection agency sold the debt to XXXX XXXX XXXX XXXX  which is now reappearing on my Transunion and XXXX  Credit Report. Both Transunion and XXXX  are in violation under the Fair Credit Report section, 605 ( b ) by having this item reappearing on my credit report.
Product: Debt collection

Paid debt from XXXX at XXXX XXXX to XXXX XXXX XXXX but the XXXX at XXXX XXXX  sold it to XXXX as well on top and they are trying to collect for a duplicate debt. 

The debt was for {$85.00}. 

XXXX at XXXX XXXX in XXXX XXXX
Product: Mortgage

i sent in my normal payment on time and with escrow as i have done for the past 4 years, {$1700.00} i wasnt aware that my escrow was short so i continued to send {$1700.00}. they held my payment in escrow until the following month ( XXXX ) to aplly it to XXXX payment and repeated to do so for 2 months until i realized it was short and paid the balance immediatly, my credit score dropped almost 100 points due to this slight error
Product: Checking or savings account

Hello, someone opened an account using my SSN with Truist Bank on XXXX. I did not open an account with them. I spoke with the Bank and was transferred to the faud department and was kept on hold for more than an hour. Please help me to dispute and close this account. I am in the process of seeing what other damage has been done.
Product: Credit reporting or other personal consumer reports

On my account ending in XXXX XXXX XXXX XXXXXXXX there are numerous XXXX charges. That have not been removed from my account yet because of that it shows that Im past due when Im not the XXXX charges need to be investigated. There were also XXXX and XXXX accrued illegally during the investigation Period
Product: Debt collection

I 've never received any bill from the creditor or written documentation from the collection agency. They call asking for personally identifying information. Have failed to provide this on request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX
Product: Credit card or prepaid card

Someone I dont know open 7 credit card accounts in my name and maxed out all the cards and now theyre starting to affect my credit score tremendously and I cant gave the companys to close my accounts they think I am lying so Im in need of help!
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According XXXX FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.