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

I am writing to file a formal complaint regarding inaccurate information on my credit report related to an account with XXXX XXXX. This issue has caused significant damage to my credit, and I am requesting immediate investigation and correction. 

Here are the details of the situation : - The account in question shows a charge-off status with a balance of ** XXXX XXXX 
- The account was originally tied to a car loan through XXXX XXXX XXXX, which was paid off **over a year ago** when my car was totaled out. 
- The insurance company, XXXX XXXX XXXX paid off the loan in full, amounting to **over $ XXXX. 
- The credit report initially reflected a balance of ** {$0.00} owed**, but out of nowhere, XXXX XXXX has reported a **charge-off** with a balance of {$6000.00}, which is incorrect. 
- **I never had an account directly with XXXX XXXX XXXX it was always through XXXX XXXX XXXX. 

This erroneous charge-off status and the incorrect balance of {$6000.00} should be immediately removed from my credit report. 

I request that the CFPB investigate this issue and assist in getting this erroneous information deleted from my credit report, as it is negatively impacting my financial standing. I have already attempted to resolve this directly with XXXX XXXX, but the issue persists. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue as quickly as possible. 

My balance showed XXXX from XXXX and then I wake up this morning Im showing XXXX charged off thats impossible! They should not be allowed to damaged consumer credit like this knowing they received funds to clear the full Balance of the loan!!! Consumers didnt even know they took our loans or anything we had to search social media and other places to find things out and I made my payments faithfully until My truck was totaled out! And they were paid the balance of XXXX! For XXXX XXXX XXXX. They took my warranty away and everything I had for 2 years owning this car until XXXX XXXX XXXX went out of business. 

This was closed at XXXX balance and removed and placed back without notice with a huge balance thats incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX provided inaccurate information on my credit screening. 
incorrect employment XXXX this old information. 
incorrect filed information with addresses affected by rental history i never lived at XXXX XXXX XXXX XXXX XXXX az in XX/XX/XXXX. 
Revolving is not an open account this was bank account nothing related to having to affect my credit scores they went out of business in Arizona. 
XXXX XXXX XXXX OFF CURRENT BALANCE XXXX CLOSED XX/XX/XXXX PAID OFF XXXX XX/XX/XXXX XXXX  ACCOUNT- DIRECT DEPOSIT INACCURACTE BALANCE THIS IS NOT A CREDIT REPORT SCORE XXXX XXXX XX/XX/XXXX CREDIT CARD NEVER APPLIED FOR A CREDIT CARD NOR RECIEVED A CREDIT CARD PREMIUM NATIONAL CIVIL COURT RECORDS -NEVER WENT TO COURT FOR ANY OF THE LISTED CASES ON THE RENTAL HISTORY THIS WERE JUST 5 DAY NOTICE FILED THROUGH APARTMENT COMPLEX IF NOT PAID IN FULL BEFORE THE 5 DAY NOTICE AND I ALWAYS PAID IN FULL BEFORE THE 5 DAY NOTICE. 
RENTAL HISTORY IS REPORTED ON XXXX  FROM XXXX THIS IS VERY OLD INFORMATION TO BE ON MY REPORT. 
XXXX ACCOUNT INACCURATE DATE INFORMATION OF THIS ACOUNT SHOWS IT WAS OPENED IN XX/XX/XXXX FOR A XXXX XXXX THIS VERY INACCURATE DATE INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. We are now in the month of XX/XX/2021 but stil there is no response about the the letters i sent, dated last XXXX XXXX XXXX That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$0.00} XXXX {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two account that I do not recall doing any business with that are showing on my credit report.XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX. This is not the first time I have had this issue. Please forward me a copy of a contract or some paperwork with my written signature on it! Once again request that the credit bureau collect and forward the formal validation within the next 30 days of receipt of this request. Please included any supplemental materials which verify that the account is factual. I would like to see a little more than a summary one-sheet. Instead, I have demanded a substantive validation according to the FCRA. If the credit bureaus cant find it in a reasonable period, any data disseminated from credit reporting agencies must be considered counterfactual.
Product: Student loan

Navient does not offer to lower my monthly payments due to financial hardship. I have asked on several occasions to see if my loans can be forgiving once the school has been closed for years for receiving loans and not be accredited. They were basically giving away worthless diploma. Nacient informed me that I should have filed my complaint during a certain time and that I am still responsible. They wo n't even Consoildate it to make the payment more affordable. They are only offering deferments nd forbearance for only 3 months. Please help.
Product: Payday loan, title loan, or personal loan

Conn 's credit corp r eported my account as 30 days past due for  XXXX /2015 and I have never been late on my account. I even have pay statement from my chase bank where they debited my account for the amount owed. I have tried several times to have the issue resolved with them, but to no avail and it is been reported on my credit as late for 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX a false application for credit was entered on to my credit report. i did not apply for credit through XXXX XXXX - someone has my information to apply with. a second application was submitted a day or two later. XXXX XXXXXXXX identified the hard inquiries on my credit as applications made, denied them both, and i requested documentation of the same. they said they do not provide such documentation. this complaint is twofold : someone is making applications in my name and i can not confirm that XXXX XXXX  has denied said applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been paid off since XXXX of this year but its still reporting on my credit and 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 card

In XX/XX/XXXX I made a {$500.00} purchase and payment of {$500.00} I never received a statement with these transactions. 

XX/XX/XXXX I called and explained the situation and was told they do not send statements showing purchases and payments and that " there was no way they could send one to me ''. 

Other credit card companies send statements when there are transactions. 

All they need to do is send a statement.
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  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

Pulled up my report XX/XX/22 and saw NTL RECOVERY I have disputed NTL RECOVERY for the alleged amount of {$94.00}. I have never signed a hippa release form for NTL therefore this is inaccurate reporting and a hippa violation. Hippa laws are to protect my personal and medical information.

In addition I did not get NTL consent to furnish my information. FCRA tells me that Im entitled to a fair and accurate credit reporting and is not fair nor is it accurate. 

Tracking number XXXX
Product: Credit reporting or other personal consumer reports

Hello, today I am reporting some accounts that are affecting my credit history and some inquiries that I do not recognize and I would like them to be removed from my history please. 

Accounts : XXXX Account Number : XXXX Balance : {$1600.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$93.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$1200.00} Inquiries that I do not recognize : XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of the XXXX security breach, and I also have collection on my XXXX report that has not been removed after I disputed it with XXXX and XXXX and they removed it from my reports. The collection is from Portfolio Recovery in the amount of {$680.00}. I do not recognize this collection and it is negatively impacting my credit score with XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name 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: Debt collection

I think some one use my identity and I am being charge for a debt that is not mine and is n't even in my credit report. I never received any mail from this creditor ( CITIBANK ) this creditor put a lien on my house for this debt 5 years ago and I was never notify or aware until XXXX2017
Product: Credit card or prepaid card

I was charged about $ XXXX in fraudulent charges to my pnc credit card by XXXX ( shows up as XXXX XXXX XXXX ) I reported the charges to pnc and after 1 week was given temporary credit for these charges. However, about 6 weeks later, all of the charges reappeared labeled sale adjustment XXXX DE. The bank refuses to investigate further and I refuse to pay the bill, which including late charges and interest has now added over {$1500.00} to my bill. The original charges disputed were duplicates of real charges I made ( for example, I deposit {$100.00} to my XXXX account, Im credited only {$100.00}, but two charges for {$100.00} appear on my statement. 

In addition, XXXX has locked my account which has {$460.00} of my money in it, citing my credit card chargebacks as the reason. I can not use, access or withdraw the funds. Even though my bank ultimately did charge me the disputed amounts, XXXX  refuses to unlock my account ... so essentially, Ive been overcharged $ XXXX, penalized by XXXX for making the dispute, and even though XXXX ultimately received the disputed duplicate charges from PNC, they continue to withhold my {$460.00} .... Ive now been robbed of $ XXXX ( the duplicate charges PNC wont credit to my account ) AND robbed of {$460.00} more by XXXX  by the freezing of my account as payback for disputing the duplicate charges. Neither pnc nor XXXX will do anything further to make me whole.
Product: Credit reporting or other personal consumer reports

I've tried to dispute an incorrect address but an old address wasn't updated by XXXX XXXX XXXX, despite additionally updating the garaging address. I went through the process of disputing directly, but it was returned verified by XXXX XXXX XXXX because they didn't update it to the accurate address prior to the account being paid and closed. The following address is incorrect and needs to be disputed from personal information/records on my credit report. 

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

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXXXXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  XXXX Date updated inaccurate fcra violation delete account
Product: Credit reporting or other personal consumer reports

My ex husbands debt was transferred to my account after our divorce. I explained to them numerous times that his debt was not mine. They provided verbal apologies and that they would fix the concern, however it continues to show up on my account.
Product: Credit card or prepaid card

On approximately XX/XX/XXXX, I was on my home computer and found, in the deleted e-mails, a bill for {$260.00} from Home Depot / Citibank. I knew that I had not charged this bill so I contacted Home Depot customer service. I requested that any and all bills should be mailed to my home address and not sent to my e-mail, which may not be working properly. On XX/XX/XXXX, I received a Home Depot bill for {$19.00} dated XX/XX/XXXX which I recognize as being made by me. That was the first time I had received this bill from Home Depot / Citibank. I paid the bill for {$19.00} immediately on XX/XX/XXXX, check # XXXX. I understand, from someone in XXXX whom I was directed to call to review this account, that the check was received by Home Depot / Citibank. The {$260.00} was the combined principal, interest and fines which  included the {$19.00}. 
On XX/XX/XXXX, I received a letter from Home Depot credit service saying that I was " responsible for the remaining charges ''. Home Depot / Citibank holds me responsible for charges that I never received, not by e-mail, not by regular mail and not by phone. I never received any bill in the mail or by e-mail until XX/XX/XXXX. 
I pay my bills, always and by the statement due date! I never have outstanding charges on my credit cards! I was also never informed of accumulating charges based upon the initial amount of {$19.00}. I have made a monumental effort to resolve this matter. I have spoken to many people from Citibank, Home Depot and people in XXXX, who are extremely difficult to understand. I was told to send a fax to Citibank concerning this problem. As of my last phone call on XX/XX/XXXX, Citibank has insisted that I pay the full amount of {$240.00} which is accumulated late fees and finance charges, which I paid by check today to avoid potential damages to my credit. 
The above information was faxed to Citibank  Internal Recovery,  Attention : IRU Dispute Dept. Re : Account # XXXX. They sent me a letter dated XX/XX/XXXX indicating that they required more information with a request for me to contact them. Again, when I called, I was speaking to someone in XXXX who was not cooperative and difficult to understand. Again, I got nowhere and was forced to pay the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hired lexington law to dispute inaccurate information, however Transunion, XXXX and XXXX are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.
Product: Credit reporting or other personal consumer reports

Below accounts are closed, discharged/charged-off, this is considered " Certificate of Indebtness '', that is income, so, income is not reportable, must be removed, per IRS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app ( block.inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( capable ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.. furthermore their dispute resolution process was unfair and deceptive as they did not comply with errors resolution requirements ( efta ) and regulations e.. these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit card or prepaid card

I made a purchase for {$2000.00} with my Costco citi Visa card. The item was canceled and the funds were returned back to my citi bank card. Citi bank had had my dispute in pending status since XXXX. Ive contacted the merchant and got a trace on the funds a few month ago. XXXXXXXX XXXX  said theyve tried to contact the merchant with no luck. I offered a three way call to find the transaction trace but XXXX XXXX refused. My credit had dropped 14 points from this and Ive documented proof.
Product: Money transfer, virtual currency, or money service

I had an unauthorized payment via friends and family, and I believe I was hacked. I had {$250.00} taken out of my PayPal Balance to a man I do not know. This all happened while I was asleep on the XXXX of XXXX around XXXX XXXX  or so. 

My PayPal case was already closed and denied the appeal, so I would greatly appreciate help in reimbursement and I hope to have the perpetrator punished and my money back by the end of this month, as I have my sick  mothers hospital bills to help pay for, and to pay for basic necessities such as food and shelter. 

I contacted the local police but they do not have the tools to cover cybercrime, but I have also contacted the IC3 and more
Product: Credit reporting, credit repair services, or other personal consumer reports

notice to sue. i tried to fix this problem of my consumer report not being 100 % accurate under 15 U.S. Code 1681i my report must be 100 % accurate. i gave you time to fix this problem. you will see me in court and don't send me a email asking how can we settle this outside of court. i will get remedy for all the violation. your company isn't bigger than federal law. have. a good day. i have all the exhibits.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to bring to your attention an urgent matter regarding unauthorized debt collection activity by XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) in the state of Florida. 

It has come to my attention that XXXX does not possess a valid license to collect debt in the state of Florida as required by law. Pursuant to Florida Statutes Chapter 559 Part VI and RULE 69V-180, any entity engaging in debt collection activities within the state must hold a valid license issued by the appropriate regulatory authority. 

Despite lacking the requisite licensing, XXXX has continued its attempts to collect a debt from me for the last XXXX years XX/XX/2020. This conduct is not only in violation of Florida law but also a breach of my rights as a consumer. 

I demand that you immediately cease all reporting and collection efforts related to the debt in question. Furthermore, I expect you to thoroughly investigate the matter and ensure that XXXX ceases its unauthorized activities. 

If I continue to receive communications or notices related to this unauthorized debt collection, I will have no choice but to pursue legal action against both XXXX and your agency for their roles in this matter. 

As per Florida law, the licensing number of any entity engaged in debt collection activities must be provided to consumers. Therefore, I request that you verify and confirm the licensing status of XXXX in the state of Florida. If XXXX can not provide a valid license number, I urge you to take immediate action to rectify this situation. 

Please provide written confirmation of the actions taken in response to this letter within 14 days or remove the report alleged debt from my credit report. Failure to comply will leave me with no option but to escalate this matter further legally. 

Thank you for your prompt attention to this matter. 

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

I Received A copy of My Credit Report I saw Accounts That Don't Suppose To Be There Please I Demand these ACCOUNTS and INQUIRIES to be REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. 
THESE ARE THE ACCOUNTS : 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 XXXX XXXX 
Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes, 15 USC 1602 opt-out option, 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, XXXX  for not more then 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to know why my credit score will go up to the good range than fall back down.Ipay my bills on time iam not applying for no cards or credit so why or they taking my points away from me everytime i get in the good range i get knoted back i want to know why this is not right if this is the way it is i am going to Quite trying Thank You XXXX XXXX