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

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$75000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX  Inquired on XX/XX/2024 XXXX XXXX XXXXXXXX Balance : {$9500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AFNI # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Checking or savings account

I have two instances. The most recent one is my car bill. XXXX $ and some change was put on pending and then the XXXX institution denied and reversed the payment, which they said was returned the XXXX. It is now the XXXX, and my money is still missing, and the transaction on my history has " mysteriously '' vanished. Now I can't afford to pay my car bill and have to pay both payments plus a late fee in a couple weeks. When I get paid, I will be in the negatives because all my bills are due. 
The first instance where the same thing happened was when I requested a repair for a XXXX XXXX around the end of XXXX. It was for XXXX $ and it was put on hold. That vanished too, both the history of it and the money. I've contacted both merchants and they said the money should be back in my account. I've contacted Ally three times about it, and at first a manager was happy to help, but then he gave up and basically told me I'm screwed because there's no proof. I would've taken screenshots of the pending transactions if I would have known this was going to happen.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX bank Company keeps calling me on unknown numbers and then fake numbers that make me think its a scam and make me not want to give my personal information. 
I spoke to a very rude man named XXXX who told me he knew I was trying to get off the phone but he was not going to let me. 
Very hostile, patronizing, and threatening behavior from companys behalf. All for a mere {$57.00}. I lost my credit card and am in the process of figuring that out but XXXX would not let me win. I escalated to his manager and someone in the background was screaming saying maybe he was busy!. Such weird, scammish, and suspicious activities from this bank. I am going to pay off the rest of my bill and close this credit card but I want this complaint filed so there can be consequences for their actions.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the inaccurate reporting of a late open account on my credit report, despite my previous attempt to rectify this issue. This recurring error is negatively affecting my financial standing, and I urgently request your immediate intervention to address and resolve this matter. 

I initially identified this discrepancy on my credit report. To my dismay, the account mentioned above has been persistently reported as late, even though it was opened. 

I followed up with Credit Bureaus via telephone to inquire about the status of the investigation and the correction of the late payment reporting. During this conversation, I was informed that an investigation was underway. 

Lack of Response : To my dismay, I have not received any response or resolution concerning the correction of the late open account on my credit report. 

The persistent presence of this error is seriously impacting my credit score and my ability to access credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly rectifies the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Bank statements and payment records demonstrating my consistent, timely payments Any other pertinent supporting documentation I respectfully request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of my credit report.
Product: Debt or credit management

Kickoff is supposed to help build your credit. My score went up the first week when I applied and havent benefited me since. I closed my account and they put it on my credit report also without giving me back what I put in to it.
Product: Debt collection

On XX/XX/2022 I filed a complaint that detailed the debt collectors attempt to collect on a debt that was bogus and attempting to collect damages without a court judgment. 
Complaint No : XXXX. The company responded to CFPB stating they would respond to my complaint directly to me by mail. As of XX/XX/2022 the debt collector has failed to contact me either by mail or by phone. The debt is still active on my credit file.
Product: Credit reporting

I received us mail from Transunion Over the weekend claiming that they had verified the late payments for XXXX and the account was reporting correctly, Transunion did not verify anything. On XXXX 2014 Transunion is reporting a 30 day late Here is a copy of my bank statement indicating that I made a {$100.00} payment to XXXX Transunion enough with your XXXX and games remove these late payments IMMEDIATLEY
Product: Debt collection

A third party company ( Convergent ) claims to be representing an Internet Service Provider ( XXXX ) and that we are past due. Problem is we have NEVER had an account with XXXX. I contacted XXXX, in case they were a company we used to know but under a new name. XXXX assured us we did not owe them anything and did not have an old account with them. 

Convergent is sending invoices by mail with instructions to pay them directly. 

Thanks XXXX XXXX XXXX *Convergent lists their address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX   on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXX/XXXX  XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : XXXX$1600.00} ; XXXX XXXX Balance : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquries are not mine. 
transunion and XXXX
Product: Debt collection

In XX/XX/XXXX I returned internet equipment to XXXX in person XXXX XXXX, Texas ) due to moving across the state and no longer needing their internet services. At that time, I had not utilized the entire month of services and was informed that the monthly payment would be pro-rated to the amount that was actually used ( as this is something XXXX had done a month or two prior with my account when I had moved then XXXX. Later on, I received a bill with the entire monthly amount, so I contacted XXXX directly ( via telephone ) to ask about the pro-rated amount. Each time I called to ask about this, I was told on multiple occasions by several different XXXX representatives that someone from billing would contact me directly to assist with this. Each call was stated to be recorded for quality and training purposes ( so this information should be on file with recorded calls ). No one ever called me back to discuss the prorated amount, and I had made several calls myself to XXXX to address this in between XX/XX/XXXX and XXXX XXXX with no luck. Months later I received a notification that the XXXX account was now considered " in collections '' and was turned over to a collections agency. I disputed the claim through XXXX, and after communicating with the dispute center, I " won '' the dispute and it was removed from my credit report. Fast forward to XX/XX/XXXX where I have received another derogatory mark on my credit report involving XXXX once again ( same issue ), but was opened up with a different collection agency. I contacted the new collections agency and was told that XXXX will probably continue to harass me until I paid the full amount. Once again I explained the situation and was told it would be noted on the collections agency account. I filed another dispute with XXXX  to continue disputing the derogatory mark in XX/XX/XXXX, and am continuing to deal with this situation. I do not agree with this derogatory mark or the way XXXX  is handling the situation due to my attempts to contact and pay the prorated amount on multiple occasions before it went into collections, not being informed that the account would be turned over to collections, the fact that I " won '' the first dispute against the same account/company/issue in XXXX, being told directly by a collections agent that this company ( XXXX ) is known for continuing to harass customers until they are paid and will continue to probably file derogatory marks against my credit with different collections agencies until I'm " pretty much tired of dealing with them and pay, '' and the fact that XXXX doesn't even have my name spelled correctly on the account. I don't think it is fair to allow XXXX to continue to open this case up over and over by utilizing different collections agencies for the same issue that has already been disputed and " resolved '', and continue to harass previous customers.
Product: Credit reporting or other personal consumer reports

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an XXXX XXXX assisting me as a XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which is categorised under XXXX  as per XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

My FICO score was XXXX, I had XXXX debt, I used a VA loan to purchase a house, my loan is {$180000.00}. My first mortgage payment is due XX/XX/2024. 
Trans Union lowered my FICO SCORE by XXXX XXXX 

MY FICO SCORE IS XXXX XXXX XXXX is unethical business practices. 

There's no LEGAL reason to lower my FICO SCORE by XXXXXXXX XXXX, I want a full investigation of why TRANS UNION lowered my FICO SCORE by XXXX XXXX  after I applied & was accepted for a mortgage {$180000.00}. XXXXXXXX XXXX is too many points. I purchased my home on XXXX XXXX XXXX
Product: Debt collection

I am writing to formally complain about a sudden and unexplained collection account on my credit report. 

Collection Agency : AMSHER COLLECTION SERVICES Status : UNPAID I received no prior communicationno mail, phone calls, or notificationsregarding this matter. 

This lack of notification violates the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ), which require : Written notification of the debt and an opportunity to dispute or validate it before reporting. 
Accurate and transparent reporting to credit agencies. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$580.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3200.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance XXXX {$2000.00} ; XXXX XXXX  XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$740.00} ; XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

Last year ( 2016 ) I received an issue of XXXX XXXX XXXX that I did not order. I contacted the company ( I believe XXXX XXXX ) provided on the bill statement for the subscription. I explained I never requested the subscription and did not want it. I did not receive any further issues. I now have received a notice from North Shore Agency, debt collector for the XXXX XXXX XXXX payment of {$49.00} for 26 issues. This false.
Product: Checking or savings account

Chase bank restricted my online banking access in XX/XX/2023. After contacting Chase a few times, their fraud protection/financial safety representatives explained that it was because I attempted to move funds from my Chase savings account to my other account outside Chase bank XXXX XXXX XXXX  ). I have made numerous calls to Chase bank, and the Chase bank 's representatives were able to verify my identity each time, they still needed me to visit any of Chase bank branches and practice the same procedure. I am currently working abroad as a federal government employee, and I am not able to leave my position yet. Chase bank 's over-cautious and client unfriendly protection manner has restricted my access to not only my banking accounts but also my credit card accounts. I am not able to monitor my credit card transaction history and pay for my credit cards. Please kindly assist with a reasonable solution for this issue. Thanks.
Product: Money transfer, virtual currency, or money service

I send money to my friend on XXXX And the amoun is {$410.00}. 
The company shows the recipient recive that amount what she is not. I talk to company 4-5 time they give me UTR number : XXXX. 
Still i m wating for tranfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove information listed on my FTC reports!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX has and is reporting inaccurate information on reports from XXXX, XXXX, and experian. They are reporting inaccurate dates of last payment, inaccurate amounts of charge off, and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX  XXXX XXXX to the 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX real estate/public accommodations pulled an inquiry on XX/XX/2020 that I did not authorize XXXX XXXX pulled an inquiry on XX/XX/2020 that I did not authorize XXXX national credit cards/ airlines pulled an inquiry on XX/XX/2020 that I did not authorize. 

XXXX XXXX XXXX XXXX pulled an inquiry on XX/XX/2020 that I did not authorize. 

I did not give any of these companies my written permission to pull a hard inquiry on my credit report and I feel this is wrong.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this report. This complaint is to direct your attention to the INCOMPLETE/ INACCURATE reporting accounts by the credit reporting agencies. These account are in violation of my consumer protected rights, due to the Inaccuracy of the reporting. And I need these accounts removed immediately.
Product: Credit card

Capital one closed my account because I made a payment with a card that had insufficient funds. They closed the account months ago but it is still reporting. I sent a certified letter asking for deletion.

According to FCRA Section 605B, it is illegal to report any info on my credit report without my permission.
Product: Mortgage

Mr. Cooper, formerly Nationstar, unilaterally and without notice to me transferred the servicing responsibility for my loan to a new company called XXXX. 

Because I never had notice, my auto-payment for XX/XX/2022 went to Mr. Cooper. 

Now I've asked them to return the money to me, with no response. 

Meanwhile, XXXX claims I'm in default because I ostensibly didn't remit payment for the XX/XX/2022 amount. 

Additionally, and as a secondary matter, Mr. Cooper demanded additional funds monthly from me a few months back, effectively changing the monthly payment from XXXX XXXX XXXX to XXXX XXXX XXXX. No explanation was provided. 

Now apparently they've simply absconded with those funds as well! 

These guys are bad actors and a competent regulator needs to get involved. Thank you.
Product: Debt collection

I had several illnesses and I ended up in the hospital after XXXX twice. During such times I was not home and information was issued without my authorization such as credit cards and other items. This particular credit card is one of them, a XXXX card ending XXXX have tried in multiple occasions inform XXXX to please understand of the XXXX XXXX situation but they have ignored my request.
Product: Credit reporting or other personal consumer reports

I have called Experian S few times trying to get the correct name and 1 address on my personal report they keep telling me that they can bot remove it. thats the issues i am having
Product: Money transfer, virtual currency, or money service

From on or about XX/XX/year> until XX/XX/year>, an online seller took my money promising to send me videos and other items but they never did, to the tune of XXXX. Cash App refused to take any action, in fact they allowed the scammer to continue operating despite being put on notice that that persons cash app was being used to commit fraud. Cash App refused to refund my money. the name of the scammer was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX