23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 I accidentally made a payment of {$350.00} to my Bank of America credit card account. I did not have a balance due on the card. 
I have been trying to get the {$350.00} back ever since. 
I have called customer service multiple times. They claim they will fix the problem. They say it takes 10 days to rectify. The problem has never been solved. I wait 10 business days and call customer service.they tell my they will take care of the problem. The take my account number and tell me the money will be transferred with in 10 days. It is now XX/XX/XXXX. The problem is not solved and I cant understand why they cant just transfer the money back to the account it came out of
Product: Credit reporting or other personal consumer reports

Victim of Identity theft. This account does not belong to me. There is no proof or verification to show that this account Belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to get my credit report from this Agency.but all I get is the run around
Product: Credit reporting or other personal consumer reports

My vehicle was reposed and in order to recover the vehicle I paid {$1100.00} and agreed to a payment arrangements with Credit Acceptance whom I paid as agreed in payment arrangements. However, no report or update was made to my credit report causing continuous negative reports for several years and still is affecting my credit as of date.
Product: Debt or credit management

XXXX I enrolled in school and took my important documents with me, that day I lost all my documents including social security, debit card, green card, passport. not just mines but my fathers as well that was with me that day. we did a police report back in that year for the lost documents. XXXX later we found out somebody filed child support issue all the way in TX in case of my dad, but someone else with his information did it, my father has never even left the state or even visited TX ever. I'm not sure where I'm getting a XXXX debt from capital one and not only am I being charged but I'm being sued by a third party. I left in XXXX to join the XXXX XXXX and didn't get home till XXXX XXXX. recently this year I received a letter where I'm being sued and i owe XXXX dollars. I've only had XXXX capital one credit card and my limit was no more than XXXX which I paid off not too long ago because I didn't have access to my account due that other account being sent to collection, which I didn't noticed until I received a letter from that third party who's XXXX me.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract with the collection agency. XXXX did not provide me with the original contract as requested. Credit reporting agency did not verify contract. 

Credit bureaus are required by [ FDCPA ] to repair or delete any information that can not be confirmed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of an account on my Equifax credit report, as this account has already been removed from my XXXX report. The account in question has been previously listed by XXXX, but they have since deleted it from my report. In the interest of accuracy and consistency, I am requesting that Equifax do the same and remove this account from my credit file. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to maintain accurate and up-to-date information in consumer credit reports ( 15 U.S. Code 1681e ) . Given that XXXX has determined this account should no longer appear on my report, I believe it is reasonable to expect the same treatment from Equifax to ensure accurate and fair reporting. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) advises that all credit bureaus strive for consistency in reporting practices. Having an account removed by one bureau but still reported by another creates an inconsistency that could misrepresent my creditworthiness, potentially leading to inaccurate conclusions by lenders. 

Enclosed, I have included a copy of my XXXX credit report indicating the removal of this account, as well as a copy of my Equifax report showing the disputed item. As well as all appropriate documents to verify my identity as well as a letter I received from your office to show better documents to identify myself. 

I kindly request that Equifax review this discrepancy and remove this account from my credit report to reflect the same standard as XXXX. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX LA XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I paid this debt off. They have it listed on my credit report several times that is causing my credit to approve worse then what it really is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraud dispute to Experian in XXXX after a few weeks the results came back verified. I called XXXX from Experian who's in charge of my file, asking what documents were shown to Experian that warrants the account verified. He claimed to me that all he can say is that the account was verified electronically. It is now 2022 we all know the way the credit reporting agencies dispute a consumers dispute. XXXX Continued to claim that he can not share how the dispute was verified and that the account holders word has more power than mines XXXX XXXX Experian XXXX
Product: Credit card or prepaid card

I did not open ANY of the following accounts. They are fraudulent. 

XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX. 
Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX
Product: Debt collection

Have filed Complaints to XXXX XXXX XXXX. 
In regards to the Enhanced Recovery Company # XXXX. 
XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX/XXXX/2015 sent a 30-day Validation Notice. 
Have asked Several times in the last 5 months to have the items removed. Contacted : XXXX XXXX, XXXX and XXXX. 
The repositories do n't contact the Debt collections and their reply is they verified the information is correct. Need the item removed. Please! Next step is to file a Class Action Suit in regards to Title V of the Fair Debt Collections Act.
Product: Mortgage

We received a letter from Chicago Title Company, XXXX, NE, regarding a debt to some 'unnamed ' mortgage company. ( See attachment ). We 've asked CTC to provide specific data related to their claim.
Product: Credit reporting or other personal consumer reports

I recently received an adverse reaction letter for a job. I pulled my report reference # XXXX saw that I have the following inaccurate information : EXPERIAN- my name is reporting as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting as 1989 The following are reporting as previous addresses XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX my employer as XXXXXXXX XXXX XXXX XXXX I am certain this information is why I did not get the job and would like to submit a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, in XXXX, I contacted XXXX XXXX XXXX to close my XXXX XXXX XXXX account which has a {$500.00} limit. I received confirmation from XXXX XXXX  that my XXXXXXXX XXXX account was closed. However, the account is still showing open on my Equifax report. I filed a dispute with Equifax to let them know that my account was closed. However, my account is still showing opening.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 my student loans were transferred from XXXX to XXXX. My current balance with XXXX is {$0.00} due to the transfer. Right now my student loans are showing twice on my credit report. One account for XXXX and one for XXXX. This is incorrect and should only be showing the XXXX account. 

When I spoke with XXXX requesting that my account be closed because I now have a {$0.00} balance with them I was told no. I then disputed this account with Experian, but it was not resolved. This is causing my credit report to show {$100000.00} in loans instead of {$50000.00}.
Product: Debt collection

In XXXX, I was contacted by XXXX collection agency regarding an account sent to collections for an Apartment Complex. I moved and due to extenuating circumstances, I was not given credit but, the real estate company demanded payment on my lease. This was sent to the collection agency. I set up a payment arrangement with this company in XX/XX/XXXX for approximately {$230.00}, to be withdrawn out of my account on the first Friday of every month. I heard nothing from this company and as far as I knew, the payments were being drafted. In XXXX of XXXX, I started receiving letters from this company stating that I owed them a balance and needed to contact them to set up a payment arrangement. When I called after receiving the letter, I asked to speak with someone and was told that the Rep handling my account wasnt available, but the gentleman on the phone could help me. I asked him about my account and why I was receiving the letters, he advised that it must be a mistake because he could see where the payment arrangement had been made and was scheduled to draft from my account. I asked him again about the letter and asked for my balance remaining which he couldnt give me but, told me my account would be paid in full in XXXX first, then he changed it to XXXX. It didnt make sense and he stated that the letter was a mistake. I received another letter, now multiple letters and called again, this time the person on the phone rudely told me that they had been trying to draft my account since XXXX and the drafts had been declined. She also stated that they demanded the balance be paid in full because they werent willing to set up another payment arrangement. After yelling back and forth and not getting answers to my questions, I hung up and called my bank. I asked my bank to research any declined charges that hit my account and, they didnt find any. Im not sure what these people are trying to do but, when I call, I dont get accurate information. Additionally, if the auto draft payments declined, why doesnt my bank have a record of them? Additionally, why has this company not sent any correspondence about this since XXXX? Its now XXXX, I havent spoken with anyone about this until last week- the first week of XXXX. 
Im not sure what theyre doing but, the fact that my back doesnt show any declined drafts and the fact that they are demanding payment in full all of the sudden, in addition to the conflicting information I receive from these people gives me pause with regard to their collections practices. Since calls are recorded, they should have a recording of all calls, especially since they have allegedly spoken to me on numerous occasions. Ive only spoken to these people no more than 3 times, 4 at the most. If theyve spoken with someone else, it certainly isnt me! The representative says they have multiple people who gave my name, perhaps they are mixing us up!!!
Product: Vehicle loan or lease

Ok on XX/XX/XXXX I applied for a auto loan from CAPITAL ONE and was approved for financing for around {$42000.00}. Upon getting all my paperwork together I went to XXXX XXXX preowned super center to acquire a XXXX XXXX XXXX XXXX for about {$30000.00} mind you Im already set-up with pre approval so I was only to test drive and finalize my paperwork for sale upon sitting down to do so my credit was RE-ran several times for hard pulls without my knowledge impacting my credit significantly after they came back with separate paperwork saying that I needed to sign it and pay them XXXX dollars to off in the car once I refused saying that cant be possible and that it was illegal for them to try and do so the manager got aggravated and aggressively snatched my belongings and paperwork from my hands and immediately crumpled it and tried to force me out have complete and utter disregard and disrespect for those knowing consumer law I have over 2 hours of recording from our interaction where they blatantly lied and tried to swindle me and doing so I lost so much because of the toll it took on my credit to deal with these thieves
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelles handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible .The CFPB 'S 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

XXXX and XXXX are reporting late payments on my credit report whenever I pull my report up online it shows XXXX delinquencies and late payments however, I believe anything that was at that status on my report happened over XXXX  years ago so it should no longer be on my report as of today. I have no late payments and no delinquencys fill up last past XXXX years or more
Product: Credit reporting

I paid an account XXXX XXXX XXXX XXXX 25 days late and it appears on my credit report XXXX Experian only ) as 30 days late. I called Experian to dispute the inaccuracy but they tell me that creditors are indeed allowed to report an account 30 days late even though it may have been less than 30 days late. 

I disputed the account status and the investigation results show that the account will remain as 30 days late. 

I then contacted XXXX XXXX, Director XXXX XXXX XXXX for Experian on XXXX and asked him if paying even 1 day late can show on my credit report as 30 days late and he said NO. 

I do n't understand what is going on at Experian. Customer service and XXXX XXXX are saying contradicting information. 

I am attaching three documents:1. Investigation Results2. Credit Report showing 30 day late payment3. Payment history for XXXX XXXX showing I never paid more than 30 days late4. XXXX Screen-shot where XXXX XXXX says that a full billing cycle must pass before the account is reported as 30 days late
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ADDRESSED THESE UNAUTHORIZED INQUIRIES WITH TRANSUNION & CURRENTLY SEEKING VALIDATION FOR THE UNAUTHORIZED INQUIRIES, I HAVE NO CLUE WHY THEY ARE ON MY REPORT & I AM ASKING THAT THEY ARE REMOVED IMMEDIATELY, I AM ALSO PURSUING 1ST TIME MORTGAGE APPROVAL WHICH THESE UNAUTHORIZED INQUIRIES ARE HINDERING
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I sent a certified letter to XXXX, Equifax, and XXXX credit bureaus for validation of debts for the collection accounts that's being reported on my credit report. XXXX, Equifax and XXXX failed to provide the requested information.
Product: Credit card

I didn't sign up for a credit card with this company but they somehow got my info and signed me up anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation 15 U.S. code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit information. Please remove immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Transunion has been historically reporting wrong information on my credit report. I have disputed the bankruptcy listed on my report. They have XXXX chapter XXXX listed on my file which is against the law to file so we know the reporting is incorrect. When I called and told the agent that was impossible to file XXXX bk in a 2 year period and I explained to them it was a chapter XXXX and the time had expired but since it 's reporting incorrectly is been on my records for an extra 2 years. When I explained this to a agent I was told they would investigate but the results were the same which says they did n't investigate the issue well.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX  Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

On XXXX I was notified by XXXX that a credit inquiry had been done on my account through XXXX by XXXX XXXX. Having not applied or any knowledge of new credit or AVANT I contacted Avant to obtain more information which they were not forthcoming with. After several calls I eventually made it through to a fraud area at Avant and filed and inquiry on XXXX indicating I had not applied or had knowledge of business with Avant. On XX/XX/XXXX I received an email from Avant indicating a credit card was approved and issued in my name while requesting completion of an affidavit. After completing their affidavit, police report, and IC3 report I submitted to them the requested information on the same day. On XX/XX/XXXX I received a similar email requesting similar information again which I again replied with the affidavit as they had asked. On XXXX XXXX notified my the credit card now had a balance and I again called Avant asking for them to stop the card. They do not seem interested in terminating the card in a timely manner given the seriousness of the issue. I am concerned they may be trying to collect fees or falsifying accounts similar to what XXXX XXXX did several years ago. Very frustrating and time consuming for a consumer who has worked hard to obtain excellent credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th exertion 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 XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX RISING FAST M XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COVERT XXXX XXXX XX/XX/XXXX COVERT XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX WORLD ACCEPTANCE - G XX/XX/XXXX COMPENTYCAPITAL/MPRC XX/XX/XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX REGIONAL ACCEPTANCE ( BANK ) XX/XX/XXXX CONSUMER PORTFOLIO SERVI ( FINANCE ) XX/XX/XXXX FLAGSHIP CREDIT ACCEPTAN ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX XXXX XXXX DO ( AUTO ) XX/XX/XXXX ODE/KIA XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX STEPSTONE XXXX ( XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The Amex account is a business account that should not be reporting on my personal report and furthur more the debt was written off and should be removed by the credit bureaus from my personal credit report immediately. Account opened : XX/XX/2021 Balance : {$28000.00} .... 
Account number :
Product: Credit reporting or other personal consumer reports

I believe this information is inaccurate for the following reasons : The account has not been properly verified.

The update contains errors that are inconsistent with my records, such as a wrong balance, payment status, or dates. The update seems to be illegal or in violation of regulations such as the Fair Credit Reporting Act ( FCRA ), as it was made without my consent and is inaccurate.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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/XXXX
Product: Credit reporting or other personal consumer reports

I received a dispute results letter dated XX/XX/year> that false inquiries were deleted from my TransUnion credit report. As of today those deleted results are still on my report. 

I also requested that a fraudulent flagship credit acceptance account be deleted and it came back verified. How can I trust that the proper steps were taken when TransUnion has violated my rights to delete incorrect information. 

The false inquiries and the XXXX XXXX XXXX account needs to be deleted.