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

Good day, After recently pulling my credit I noticed : XXXX XXXX XXXX XXXX XXXX, NC XXXX Listed as an address on my credit report, this address is fraudulent and inaccurate I have never lived at this address. I am requesting this address be removed immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report in TRANSUNION. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I cancelled my yearly membership with XXXX XXXX before the billing date in XXXX of XXXX. I noticed that despite cancelling that I was still charged. On XX/XX/XXXX I contacted XXXX 's customer service via text and they stated via text that my account was cancelled and that I would receive a credit for {$100.00} on my Discover card within XXXX business days. That did not happen, so I opened up a dispute case with Discover. Discover initially ruled in my favor, but sent me a message a few days ago that they had put the charge back on my card because XXXX disputed. According to Discover, I have no recourse. I have been treated unfairly by both Discover and the merchant.
Product: Debt collection

This account has been reporting incorrectly and inaccurately on my report. It is reporting inaccurate date of last activity, payment history, and balance. 

It is a clear violation of my right under the FCRA to report incorrect and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, Experian, XXXX and XXXX onXX/XX/XXXX. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Product: Credit card or prepaid card

The credit card company / Bank did not process my payment correctly and now it shows up on my credit score.
Product: Mortgage

They reported a late payment in XX/XX/2018 which was not late.
Product: Checking or savings account

Yes, well i opened a wellsfargo banking account in order to receive my first stimulus payment. 
I naturally try to review some of the perks of the wellsfargo account. 
I notice you can connect your " XXXX '' Account. I give it a try. 
Well when I'm set to receive my stimulus payment, I was unaware wellsfargo processes paymemts for XXXX. Wellsfargo in error deposits my stimulus in my XXXX account Prompting XXXX to permanently ban my account. Which is still banned. 
Well the IRS issues the later payments and they still send the payments to the XXXX only to be sent back to the IRS prompting the IRS to send me a papercheck. 
I go to wellsfargo to deposit these paperchecks. Wells Fargo credits me for a couple weeks. 
Then out of no where there system realizes we've processed a stimulus payment for me and my SSN they then reverse the check deposit leaving my account in the negative. 
Forcing me to payback the negative balance with future deposits. 
I contact them they essentially ignore my request and give me an explanation that my account was credited twice? 
The amount of financial hardships I've been thru from them stealing my stimulus payment for half a year+ ... 
Now reversing my stimulus payments and leaving my account in the negative. 
It's pathetic. 
I've had to take out loans to get by other things as well. I've had to sell personal possessions, go without bills paid. Literally because their system froze my account for no apparent reason. Than wrongfully reversed the next payments when I deposited a paper check. 
This ain't fair. I'm totally in debt and deserve my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion verified the XXXX XXXX XXXX account was reporting XXXX0 Days Delinquent in XXXX. However, I have a letter from XXXX XXXX Bank that the delinquency was removed. I have attached a screen shot of the reporting status and a letter from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX 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 afternoon, I was shocked to see accounts on my credit report that dont belong there. I always keep an eye on my report, and seeing these unexplainable discrepancies was distressing. I refreshed the browser multiple times, hoping it was just a mistake, but the accounts wouldnt disappear. Because of this, I am asking for a careful review of the documents I sent to ensure I dont have to deal with this stress in the future.
Product: Debt collection

Machol & Johannes : On XX/XX/2018 they froze {$320.00} from my bank account. I called them and said there was a court order against me. Said I owed $ $ from a judgement. ( I didnt receive paperwork they were trying to collect ) and my check would be garnished. On XX/XX/XXXX the paper work was finally filed but I didnt receive it until XX/XX/XXXX. Paperwork said I owed {$1500.00} When I called them they said I owed {$1400.00} and couldnt explain the difference. I asked about the {$320.00} and they said the bank hadnt sent it to them yet. I called the bank. They said they never received paper work to release and had actually called Machol & Johannes about it but never received a reply. Then my pay check was garnished. They took an additional {$1000.00} out. Then the garnishments stopped. I assumed I was paid up .... I called today to find out why I havent had a receipt and they said I owe {$1600.00}. Theyre still waiting to be paid from the garnishment. I asked why it went up and she said court costs and garnishment costs. I asked for paperwork showing a ledger. They are not providing me with documentation. And continue to change what I owe without showing why. You also cant get a hold of them with the number in the paper work. It just hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finance a car through XXXX XXXX XXXX since 2016 ). A few months ago, it came to my attention that they had reported several late payments to the Credit Reporting Agencies, which I believe are in error. I have contacted XXXX XXXX, as well as the CRAs several times to no avail. This erroneous reporting has had a severe negative impact on me, as I have been recently denied credit, including a mortgage. I have proof of payments that were made for the months in question, as well as extension agreements where XXXX XXXX agreed to allow me to skip monthly payments. XXXX XXXX and the CRAs are violating the Fair Credit Reporting Act that states only true and accurate information can be reported, or else MUST be removed. At the very least, there is proof that XXXX XXXX has not reported my payments accurately. They have reported me as 30, 60, even 90 days past due inaccurately! I have made several requests to them to fix their error, even attempting to email the CEO personally. I'd like the inaccuracies removed immediately. The inaccurate information violates both the FCRA and the extension agreement granted to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX is reporting two accounts to my credit report that are not mine and I have been asking for proof that those are my account and never got them
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit card

On XXXX XXXX, XXXX I received a call at work from XXXX XXXX representing United Recovery Systems XXXX XXXX in regards to my father 's XXXX XXXX account ; he is the primary cardholder along with my mother. This was after XXXX XXXX took the monthly payment from my parents joint account which I discovered later that evening. XXXX XXXX proceeded to harass and demand that I do a check over the phone for the full amount of approximately {$3900.00}. I told her I would call her later because this seemed out of the blue and how in the world did my work number get involved if I am not the primary account holder. My parents opened the XXXX XXXX account back in XXXX. They have had the same home phone number since XXXX only now they have voicemail there were no messages or letters received at the home address that mentioned there was a problem with the account that was recently closed due to pressing and serious XXXX issues that caused late payments but from XXXX until now my parents always paid their bills on time. I calmly refused to discuss the account with XXXX XXXX and told her I would call back before XXXX that evening which I did but she apparently was unavailable so I spoke to another rep and told her that XXXX XXXX already deducted the past due amount ; furthermore I told the rep not to call my job ever again otherwise I plan to take this to another level. I do n't have the address of the collection agency because I never received anything in the mail stating that XXXX XXXX turned over the account to them. I did ask the representative that I spoke to later that evening on XXXX XXXX to send me a copy of the letter they allegedly sent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request corrections for inaccuracies in my credit report, as maintained by TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, and as of the date of this letter, I have not received any response from them. The details of the inaccurate information and the required corrections are as follows : Account with the name " XXXX XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$12000.00} ) is not mine. I kindly request the removal of this account from my credit report. 


The account " XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) requires examination due to incorrect reporting. The Balance of {$10000.00} that TransUnion reports appears to be higher than the balance I remember. Additionally, your agency has marked this account as closed, and as such, the Past Due amount should not be provided. I intend to address this issue with the creditor directly, but I request that TransUnion reports the account as disputed while I work towards a resolution. 


The account identified as " XXXX XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) contains inaccuracies in your reporting. The reported balance of {$390.00} is incorrect, and I believe it should be a lower amount. Furthermore, the Past Due amount should not be included, as this account is closed and charged-off. I request that you mark this account as disputed while I resolve the dispute with the creditor. Additionally, I require verification of the Date Opened, Date of Status, and Date of First Reported for this account. 


The information presented for the account " XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$9100.00} ) is also inaccurate. The original creditor on this account is a different company, " XXXX XXXX XXXX, '' than the one TransUnion indicates. The reported balance of {$9100.00} is higher than what I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on the report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

In XXXX of XXXX I was admitted into an emergency room ( I have XXXX XXXX XXXX XXXX ) so I made sure before I was admitted it was an in network facility so that my insurance would cover my stay. Luckily I am fine. After a few months I started receiving my bills from XXXX and paid my portion in a timely matter. It is now Late XXXX and have just received notices from a collection agency that I owe {$630.00} plus interest on a debt I had no idea I owed. After contacting them regarding this notice -TSC Solutions ( the credit agency ) sent me a bill summary from my emergency stay. Apparently during my emergency stay an out of network doctor performed a procedure and this is where the bill is from? At no time did I EVER receive a bill from this doctor/or his affiliate company for my portion of the bill. Ive spoken to my insurance ( XXXX  ) regarding this and my advisor stated this happens quite often to patients. XXXX  sent my explanation of benefits from this bill to me and I forwarded to TSC SOLUTIONS. Initially {$630.00} was submitted by the out of network doctor- but due to the fact that {$120.00} from the claim is considered incidental to the primary procedure only {$510.00} was owed to the doctor ( or his office. ) I emailed this information to the credit agency as I do owe a portion of the bill ( {$510.00} ). But they are insistent that the FULL BILLED AMOUNT of {$630.00} IS due plus interest. 

Ive tried unsuccessfully to resolve this matter with XXXX at TSC Solutions even offering to pay more than what was owed ( I offered {$550.00} to TSC but was told in an email that the full amount of {$630.00} plus interest of {$88.00} was owed -now totaling {$720.00}. ) I am upset that as a patient I was diligent to go to an in network facility so that I wouldnt have any problems with my insurance but apparently this type of medical billing is done at the expense of the consumer.

I am also bewildered that a credit agency Does not have to abide by the law that protects consumers from over billing. At no time should a consumer have to pay the FULL amount owed from medical billing just because the bill is now in a collection agency hands. 
As I said I have tried to resolve this matter with TSC SOLUTIONS with no success. I will not stand by and be intimidated to over pay just because it may affect my credit report.

The difference of {$120.00} may not be a lot to some people but its a matter of principle. At no time should a collection agency or other entity feel that the law that protects over billing to consumers does not apply to them. As I said I tried to resolve this in a timely matter with TSC Solutions but have not been successful.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX  XXXX XXXX Account XXXX XXXX Credit Card XX/XX/XXXX Capital One XXXX Secured Credit Card The Fair Credit Reporting Act ( FCRA ) and related laws establish clear responsibilities for consumer reporting agencies ( like XXXX and XXXX ) and financial institutions in handling consumer data. Key points include : 1. Consumer Privacy : Under 15 USC 1681 602 ( a ), consumer reporting agencies must respect privacy and act fairly and impartially. 
2. Consent Requirements : 15 USC 1681 604 ( a ) ( 2 ) specifies that consumer reports can only be furnished with the written consent of the consumer.

3. Data Sharing Restrictions : 15 USC 6801 and 6802 ( b ) ( c ) require financial institutions to protect nonpublic personal information and inform consumers of their right to opt-out of data sharing.

4. Limitations on Reporting : 15 USC 1681 1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years, except for criminal convictions.

5. Accuracy and Procedures : 15 USC 1681 1681s-2 and 1681e require that only accurate information is furnished and that agencies implement reasonable procedures to prevent unauthorized disclosures.

6. Opt-Out Rights : Under 12 CFR 1016.7, consumers can opt out of information sharing at any time.

The individual revokes any prior consent for sharing information with XXXX, XXXX, or other entities and asserts their right to opt-out of reporting services while highlighting alleged noncompliance with these laws.
Product: Money transfer, virtual currency, or money service

Repeatedly tried to fund my account on XXXX with no success
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Account Blocking and Deletion XXXX XXXX XXXX XXXX XXXX  Dear Transunion Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent XXXX data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

I've attached a list of hard inquires in question. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, XXXX XXXX
Product: Credit card

I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( Elan Financial - Cardmember Services ) .Elan Financial Card services is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with Elan Financial - Cardmember Services. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, XXXX, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ). 

I was told by a call center advisor atr cfpb that I had to create separate complaints for each bureau the information is being reported to incorrectly and XXXX for the financial company so this complaint is a direct complaint against Elan Financial - Cardmember Services.