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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX  on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ).

Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing.

Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I looked at my report. I sent a letter to Experian asking them to reinvestigate these accounts : XXXX XXXX XXXX. 
On day XX/XX/year>, XX/XX/year> AND XXXX XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 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 ( il ) 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 1681eb they are supposed to ensure this 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. And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired with all the stalling tactics of the Credit reporting agencies to have the disputed accounts and information removed from my Credit File. I have been submitting countless CFPB Complaints and CFPB Complaints against the Credit Reporting Agencies and it is clear that they are not willing to comply with the Federal regulation FCRA section 605b. This action of the Credit Bureaus is a clear violation of a consumer 's rights under the Federal law. Also, the Credit reporting agencies have been continuing to report the disputed accounts as accurate and verified despite the fact that they have not sent me any proof of verification or poof of ownership. This will be last attempt to correct my Credit File by submitting a CFPB Complaint. In the event I review my Credit File on my next available Credit report, and see that the Credit Bureaus have not removed the disputed accounts, I will be filing the lawsuit my legal team have been preparing for quite a long time. The Credit Bureaus get to choose whether to face the lawsuit or have the disputed accounts removed from my Credit File. Once again, here is the list of accounts that should be removed : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

Regarding NCC file XXXX, claiming I owe XXXX to XXXX XXXX XXXX. I have been in contact with XXXX XXXX regarding this bill and it has been paid through my XXXX XXXX ( see enclosed ). I contacted their customer service a couple of times about the communication/system issue between XXXX and XXXX XXXX and was told to keep waiting because XXXX sent a physical check. 

I called again today ( XX/XX/XXXX ) about the service date XX/XX/XXXX for XXXX XXXX ( spouse ) and the agent confirmed I had a XXXX balance even though they couldnt discuss any details because of HIPPA XXXXXXXX XXXX XXXX XXXX 

I now am demanding a physical receipt from XXXX XXXX showing this service has been pif aside from what XXXX is showing in my statements I also demand proof any information from Nationwide Credit reported to the 3 major credit bureaus has been removed.
Product: Credit reporting or other personal consumer reports

Inquires on credit report that I never authorized. Incorrect name, addresses inquiries and information. Ive done several disputes with XXXX, Equifax and XXXX and they havent updated nor removed the incorrect information. 

Inquires : 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 Date of Birth : XXXX Names : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

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 is inaccurate and incomplete on many levels Equifax is reporting a inaccurate account on my credit report this is hurting my credit and they not following the law I fully intend taking this to court if I need to.
Product: Checking or savings account

I was trying to get access to my Chime account so I dialed the customer support number once I did so I started talking to a representative and they started to help me but it was a scammer within the Chime company and whoever it was transferred every dollar I had which was XXXX dollars now I have nothing
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 
Transunion XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Acct Number XXXXXXXX XXXX XXXX XXXX  Balance {$470.00} Date Opened XX/XX/XXXX Hard Inqurires XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Product: Mortgage

I am a client of  SPS Financial a nd I am in the midst  of RMA process, I  have submitted all of   the information needed for the modificatio n ( P & Ls and On-Boarding S tatement from  XXXX ,   XXXX    County Office ). However, I requested to cancel a debit for {$2200.00} on my   account ; stating instead that I will send in my payments manually ( {$1100.00} is on account - {$1100.00} to be sent ASAP to complete the   XXXX    2017 p ayment ). However, I requested on    XXXX    .2017 to  cancel the {$2200.00} debit from SPS but to no avail ; they have debited by account twice (    XXXX .201   7   ) and t oday  (   XXXXX .2017  )  to the tune of {$60.00} in Overdraft Fees. Now, I have to go to my credit union and request another Fraud Alert and reversal on my bank account to reverse these fees.
I am in the midst of doubling my income by working for   XXXX -   XXXX   County 's Office    and as a  Notary Public but I need time to ramp-up my salary to make this happen. Right now, I am collecting CA UI and  need this due consideration from SPS.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX5 USC 1666b ( 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XX/XX/13 the following companies performed hard credit checks on me without my consent. 

XXXX/VERVENT-REVVI ( Finance ) XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX my money market account was hacked by a scammer and then again on XX/XX/23 I thought I was talking to the Capital One Fraud department since I was transferred when I called the number on the back of my credit card to report the fraud. It was an elaborate scan which I did not realize until the money was gone. I since have reported the fraud to the local police, the FBI, the DOJ, the Secret Service, the SSA, XXXX, plus all the credit bureaus. Capital One only tells me " its being investigated '' but this has been going on for over a month and the DOJ suggested that I contact the CFPB. The account is supposed to be insured by the FDIC and there should be protection against innocent people who get scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 BankOfTheWest reported a late payment for XXXX! This is has caused me financial harm. BankOfTheWest has failed to process my payment by incorrectly entering my bank account Information, which caused a payment to fail. I was transferred many times with no resolution, only false hope being told that I would get a response on XX/XX/XXXX and that has now passed Im demanding BankOfTheWest to removed asap! Or legal action will be taken! My account is current and up to date for 1-2 years and no late payments!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Identify item resulting from identity theft that should be blocked or deleted as sun as possible. 

XXXX XXXX Requested on XX/XX/year> 2024
Product: Debt collection

I paid this debt XXXX of 2019 for XXXX dollars in full. This company never send me any information to my address. I never got any bill. I was only conscious of this bill when it opened up on my credit report. I then contacted the creditors with the info from my credit report. I never received any notice. When asked what address they have. It was a incorrect address that I no longer lived at. They also stated sorry we wont be removing anything off your credit even thought you paid it due to you not paying on time. When I explained I never received a notice and I was on knowledgeable of this due to my credit report when it appeared on it. I gave proof of my correct address and ask can it be removed from my credit report due to me clearing the balance with a XXXX  balance due to me never receiving anything and not knowing anything in regards to this bill. This company illegally put a inquiry on my credit report and the representative told me that was because they was in the process of seizing my check or property which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received results from an investigation with confirmation # XXXX of inaccuracies on my credit report. Since XX/XX/2022, I have been unable to receive a new detailed credit consumer report reflecting the deletions made. Instead, when I log in to my account online, a pop-up is displayed to call customer service and mention code BLNK. I have been on the phone with customer service at least 10 times, speaking with multiple supervisors who continue to ensure me everything will be updated and I will be able to purchase products offered by Equifax that allow me to view my credit daily. This delay has caused adverse action on my personal character as defined in Title 16 : : Chapter 1 : : Subchapter F : : Part 640 : : 640.2. This matter needs to be resolved responsibly and legally.
Product: Checking or savings account

I got scammed on XX/XX/XXXX and my bank hasnt done nothing about it and this was with Truist banking Ive called multiple times about this and they launched an investigation just for me not to be refunded. I got scammed out of XXXX dollars from two separate transactions one from an XXXX gift card from XXXX dollars and another XXXX gift card XXXX dollars so Ive been calling for a straight XXXX weeks they closed my case XX/XX/XXXX after I literally was so emotionally feeling helpless about this whole situation and I still do it feels like they want me to XXXX XXXX what happened.
Product: Debt collection

I was not contacted in any way by this company and I suddenly have several collections with inaccuracies and missed payments when I never made any kind of contract with them or agreement. I never had a chance to dispute any of these or have any right to respond before they just reported inaccurate information without any kind of notice or speaking to me. Now they are reporting missed payments when I never had a contract with them to make said missed payments. My rights were violated several times. I shouldnt be liable to this collection agency when they stripped my right to dispute and validate the debts. They did not follow the law or rules and they reported inaccurate information. Now my credit has been damaged and continues to be damaged.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **TransUnion** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : Request for Verification/Correction of XXXX Financing Statement on Credit Report** Dear Sir/Madam, I am writing to request verification and correction regarding a XXXX Financing Statement that should be reflected on the credit report for XXXX XXXX XXXX XXXX The XXXX Financing Statement was filed on XXXX XXXX, XXXX, with the California Secretary of State under filing number XXXX XXXX 

Attached are copies of the XXXX Financing Statement and subsequent filings, including : - The initial lien financing statement filed on XXXX XXXX, XXXX. 
- XXXX restated collateral filings on XXXX XXXX, XXXX ( File Number : XXXX ) and XXXX XXXX  XXXX ( File Number : XXXX ). 
- A termination filed on XXXX XXXX, XXXX ( File Number : XXXX ). 
- An add collateral filing on XXXX XXXX, XXXX ( File Number : XXXX ). 

This security interest covers **all applicable collateral** as described in the attached filings and should be accurately reported on the debtors credit profile. Currently, it appears that this XXXX filing is not reflected on the credit report, and I request that you verify and update the report accordingly. 

Please confirm once the correction has been made. If additional information is required, feel free to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : IXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

It appears that every credit card that I have that transferred over to XXXX XXXX  now have a very high interest rate, which is causing me to have to pay on my credit cards for years in order to pay them off. This complaint is for my Walmart master card interest rate. I have called and spoke with someone on multiple of occasions. I pay over {$1500.00} a year and less than {$300.00} is going on my balance. The majority of my payment goes towards the interest. I had a low interest rate when my account was opened. I would have never opened an account with the interest rate over 20 %. My current interest rate is 24.65 % and now I am being told that Capital One now have my account and they can not pullup any old information and to try back next week. I requested Walmart to reevaluate my account a few months ago to adjust my interest and I was later told that it was not approved. As a consumer it is unfair to agree to one interest rate and the business change the interest rate to whatever they want and they tell you that it was written in the small print when you accepted the card.
Product: Debt collection

I checked my credit last month and discovered a new collection. I had never received any letters stating I had a balance from the original creditor or the company that bought the debt. I called and spoke with Ability recovery service who told me the account is from XXXX XXXX XXXX emergency from XX/XX/16. On XX/XX/16, I did have a visit with XXXX XXXX. The visit was billed to my primary insurance XXXX and my secondary insurance XXXX  XXXX. The visit was billed past timely filling and both insurances denied the claim as timely filing and left XXXX patient responsibility. XXXX XXXX, in particular, is a government plan and it is illegal to bill amounts not approved by XXXX  XXXX on the explanation of benefits. I have attached my Explanation of Benefits from my insurance.
Product: Credit reporting or other personal consumer reports

Recently I looked over my credit reports and noticed credit inquiries that I do not recall authorizing, made by the following companies : Transunion XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX