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

This complaint addresses fraudulent items on my credit report that are in violation of federal law. While I appreciate that some fraudulent entries have been removed, I noticed that several still remain on my updated report. Under the Fair Credit Reporting Act, 15 USC sections 1681, you are required to remove these items within the legally mandated time frame. The continued presence of these inaccurate items is negatively impacting my credit. Summary of the fraudulent items still showing on my report : XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX Balance Owed ; {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX FL XXXX ; XXXX  XX/XX/year> ; XXXX  XXXX Balance : {$5300.00}.
Product: Credit reporting or other personal consumer reports

Subject : Failure to respond to XXXX XXXX request and inaccurate reporting of account Complaint : On XX/XX/year>, I submitted a formal written request to TransUnion asking for detailed information in XXXX XXXX format regarding an account reported by XXXX XXXX XXXX ( Account XXXX XXXXXXXX ). 

Under Section 609 ( a ) ( 1 ) and Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a credit reporting agency is legally obligated to provide full disclosure of information in a consumers file upon request and to conduct a reinvestigation of disputed information within 30 days. 

FCRA, Section 609 ( 15 U.S. Code 1681g ) FCRA, Section 611 ( 15 U.S. Code 1681i ) As of today, I have not received any response from TransUnion, which I consider a violation of my consumer rights. 

In addition, the account continues to show inconsistent and inaccurate information, including frequent switching of status between open and closed, and ongoing negative updates even after the account was charged off. These actions violate the accuracy requirements outlined in FCRA, Section 607 ( b ) : FCRA, Section 607 ( b ) ( 15 U.S. Code 1681e ) Based on the lack of timely response and the continuous inaccurate reporting, I am requesting that TransUnion delete this account from my credit file as it contains unverifiable and misleading information. 

I respectfully request that an investigation be conducted and that appropriate action be taken to ensure my credit report complies with the law. 

Supporting documentation is available upon request. 

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

The Tradelines XXXX XXXX XXXX are outdated and paid, I have asked the credit bureaus to remove these invalid tradelines because they are hurting my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Express is refusing to delete inaccurate information from my credit reports which is going to affect me being able to purchase a home. I made a large payment in the amount of {$270.00} in XX/XX/XXXX & didnt see an additional amount of {$31.00} until the month of XX/XX/XXXX. I was under the impression that I paid the entire card off with the last payment & wasnt aware that I even had a past due balance. Soon as I received the email I took care of the past due amount & also never received a billing statement showing that the account had a balance on it. I shouldnt have a 30 day late on my account due to a mistake by Comenity Bank & when I called in XXXX I was told that once the late charge was removed that the credit department would remove the 30 day late upon writing them a letter. I received this letter from Comenity of them not doing a thing that they said they would do. Honestly, this credit account isnt really even helping my credit because of the low limit. Ive been consistent on the payments & shouldve gotten a credit limit increase by now but if Comenity is going to do business like this then I really should cut this card up because I refuse to deal with devious & dishonest customer service practices of a company that isnt willing to help me build credit
Product: Debt collection

I have contacted XXXX XXXX XXXX and disputed this debt for {$1200.00}. They sent a statement on XX/XX/17 from Capital One, whom I do not have an account with. I have requested documentation of a signed agreement, payments made, and anything that can be of use to law enforcement as we investigate fraud.
Product: Debt collection

Have asked Calvary portfolio for original purchase agreements in writing to be sent to me along with summary of charges. To no avail. Was also never given to opportunity to opt out of any and all communication about this debt!
Product: Debt collection

Over the last 21 months, I have on time payments to XXXX XXXX XXXX. I entered a contract in XX/XX/2017 I signed a debt consolidation agreement to resolve credit card debt. My case was given to XXXX XXXX XXXX XXXX. I have paid over $ 8k and XXXX debt has been negotiated. Theyve removed approx {$4500.00} in fees unusable for my debt negotiation. Nowhere in a payment schedule was this disclosed to me. Leaving less than $ 4k, Im being sued by creditors with the threat of additional payroll deductions
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Amount : {$9900.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute item on credit. 
XXXX XXXX XXXX XXXX Which appears due to identity theft. 
Company has failed to remove the identity theft based item after 30 days with no response from the collection agency. The item was placed on the file after the underlying creditor XXXX XXXX was deemed to be identity theft. XXXX XXXX XXXX XXXX attempted to relabel the original creditor as XXXX XXXX XXXX in order to circumvent the FCRA.
Product: Credit reporting or other personal consumer reports

Previously was in dispute with XXXX XXXX the accounts have been paid, Equifax still showing outstanding balance and causing me to get denied for credit.
Product: Credit card or prepaid card

In XX/XX/XXXX my JC Penney credit card had two charges that I did not make for a total amount of {$600.00}. I called JC Penney to complain, and was referred to the XXXX XXXX Fraud Department. I did not pay the amount due for these charges because I knew that I did not make them, so my account began to be charged late payment fees and interest on the unpaid amount. In XX/XX/XXXX I received a letter from XXXX XXXX stating that they agreed that I did not owe these charges, and that my account would be credited with the amount charges and related fees that had been added to my bill. In XX/XX/XXXX my account was credited for the amount of the original incorrect charges, but not for the late payment penalties and interest. I again called JC Penney and  XXXX XXXX to complain. The latter told me that my case was still being processed, and that I would be notified when the case was resolved. Meanwhile, additional late penalties and interest were added over the next several months, without any communication from either JC Penney or  XXXX XXXX about the resolution of my complaint. Finally in XX/XX/XXXX, I received a letter from XXXX XXXX that they had sold my account to a collection agency, XXXX XXXX XXXX, with no further information about the resolution of my dispute of billing me for late fees and interest on amounts I did not owe. By this time the accumulated late fees and interest were {$140.00}. XXXX XXXX XXXX is now trying to collect this amount from me. I have formally complained to them as well by telephone. I was instructed to fill their " Identity Theft Affidavit '' even though I do not have any reason to believe that the incorrect bills are the result of identity theft. I have submitted this form plus a letter disputing the charge that they are trying to collect, along with all of the documents showing the history of the bills to this account. These are attached to this complaint.
Product: Credit card or prepaid card

I have a Bank of America credit card which I was making automatic payments on. One day, I got a letter in the mail detailing that my credit limit was being decreased. I was puzzled as to why so I called Bank of America. I was then told that I had a past due balance. Up until this point I hadn't received any phone calls or other messages ( via email and/or notifications from their app ) that I had a past due balance on my account. The rep that I spoke with was not very helpful. He said that he was able to eliminate the late fee I had been charged, but I have not seen that removal on my pending account activity. I asked to have my credit limit increased to its previous level of {$11000.00} because of this lack of communication ; but he was not able to do so and told me I would had to submit a request for increase. This request was subsequently denied. He was also not able to advise me if my credit report would or would not be fixed to not reflect the delinquency. Again, this is because Bank of America did not contact me to alert me about this situation, a customer who had a spotless payment record with them on this product, and I should not be penalized because of this.
Product: Checking or savings account

On XX/XX/XXXX I was arrested and took to XXXX XXXX jail on XXXX XXXX XXXX ; I was released.upon arrival home my house has been broken into and someone stole my identy using all my information.i made a police report. I went to my bank us bank wich had 6000 dollars in checking and 6000 dollars in savings accounts that I had and I banked with us bank for 8 years and never had a overdraft or bad check bounce or a negative mark. So I went to withdrawal some money and my accounts had been over drafted wiped clean and shut down.i reported fraud with them and fought with them everyday.i did report them to the XXXX XXXX and they wrote me a check for 6000 dollars.at that time I had no knowledge that my XXXX  daughter XXXX XXXX changed all my information on line ordered new cards and put her name on my account which she did not have permission and neither did the bank. All this happened well I was locked up in XXXX XXXX jail.the bank never seen me or talked to me for my consent.now XXXX was withdrawing a 1000 dollars at a time and the bank dint even think fraud was going on... Like I said I was in great standing and my credit score was XXXX. So I found this paper from the bank stating dear XXXX XXXX and XXXX XXXX to change the legal title on your account. How in the XXXX does this happen? When the bank never asked me, seen me, or talked to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly ( 90 plus ) days late on the DPT ED/XXXX  partial account number ****XXXX and on the XXXX partial account number - ***XXXX. ( Please see attached copy of my credit report. ) These accounts have been brought current and are no longer in past due status. This incorrect reporting of lates is harming my credit score and these line items need to be brought current to accurate report zero late payments. I have contacted the ( 3 ) bureaus to resolve this issue however, I have not been successful.
Product: Checking or savings account

This will be my last time filing a complaint with Wells Fargo on CFPB. I am under the impression of Wells Fargo 0 % liability for fraud purchases. I completed the steps needed in order to guarantee my {$870.00} back ( claim # XXXX ). I have offered to provide my own evidence and waited to be contacted about the case. No one ever contacted me, Even though, I was told a representative from Wells Fargo would contact me for more information regarding the claim. I have asked multiple times for valid proof that the charges from my claim were not fraudulent, but you all have yet to do this. I have asked multiple times, and never receive a response. I dont believe a thorough investigation was completed without the help of myself or any substantial evidence being located by the bank. I have documented every encounter and included the companys response to every single one of the encounters. If you all know for a fact that the charges werent fraudulent, then it should be absolutely no reason why you all can not provide that evidence. I have been patient, and I have tried every possible route to receive my money. 
I will looking to file a lawsuit for {$10000.00} since in Texas, that will allow me to bypass state/federal court. With all of the very recent multi-million dollar lawsuits against Wells Fargo, including fraud, scandal, overcharging of customers, and more, it only provides more backing for my lawsuit.
Product: Mortgage

America 's Servicing Company is being bias towards the borrower by prohibiting the borrower from being reviewed fairly for a loan modification due to an overzealous underwriter and processor with America 's Servicing Company. America 's Servicing Company is requiring additional documentation not customarily required per the HAMP guidelines. The borrower has been separated from the spouse since XX/XX/XXXX. Although divorce is imminent the clients have not filed for Divorce but the spouse no longer resides in the residence. America 's Servicing Company requested for the Co-Borrower to relinquish their rights to the property by means of a Quit Claim Deed. The Co-borrower as a result incurred additional expenses relative to the Quit Claim deed preparation and recording cost. On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX received a conference call from the assigned relationship manager XXXX XXXX with the underwriter XXXX ( no other information was given about the underwriter ) demanding a Divorce Decree. The underwriter was notified they were not divorced and separation was not recognized in the state of Florida. The file was denied the same day for not producing a Divorce Decree. America 's Servicing did not provide the client with a missing documents letter as required by the CFPB and HAMP Directives. In addition the underwriter is demanding a Divorce Decree in which the borrower can not provide. The co-borrower has demonstrated she does not live in the property and has relinquished her rights to the property but America 's Servicing Company is continuing to demand a Divorce Decree or produce a separtion agreement which is not recognizable in the state of Florida. On XX/XX/XXXX and XX/XX/XXXX file was resubmitted to America 's Servicing who removed the file from being removed on the same day. File was submitted XXXX days before a Sale Date and America 's Servicing did not mail a Letter Confirming Receipt XXXX the package nor provided the client with a missing documents letter as required by CFPB and HAMP Directives. America 's Servicing Company is requiring the borrower to produce documentation which is not legally binding nor recognized in the state XXXX Florida. America 's Servicing Company is proceeded to foreclose on the home without providing the client a proper review of the Home Affordable Modification Program.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : Hello Dear. I had my personal information stolen and my credit was ruined. I was a XXXX and I served in the XXXX so I didn't need another card. And no credit needed. However, after being XXXX from the military due to an injury, I was moving around to start working again, and when I checked my credit report to lease a car, I was very surprised. Addresses I never lived at, phone numbers I didn't recognize, and many cards associated with addresses I never lived in. Please remove these erroneous records from my credit report. I am a person who needs to start over again. Please let me know the situation within 30 days. 


-- ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$2200.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of {$8600.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 







XXXX. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$2500.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$3000.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$6300.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$920.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$4100.00} - XXXX am the victim of identity theft, and I did not authorized this account. This account is related to an address where I do not live.
Product: Debt collection

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Debt collection

This debt is in legal dispute at Superior Court of XXXX XXXX. Also, it was subsequently assigned to another Collection Agency And both are showing on my credit report. I have made repeated requests to have this removed since it 's been assigned to another agency but nothing has been done as of XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've disputed fraudlent items on my credit report and the credit bureaus have not helped me resolved the problem
Product: Consumer Loan

I took out a loan with a company called castle payday of {$400.00} dollars which I could payback within 30days it was my understanding that I could pay this loan back without being charged to much interest on my loan I come to find out that this company tried to have me pay {$1700.00} on this {$400.00} dollar loan which is absolutely insane this company is a predatory lender and I would like to have at least {$500.00} dollars returned to me this company should no longer be allowed to be in business it s outrageous that they are allowed to be in this nation ruining people s lives money is very hard to come by nowadays I don t know anyone who can afford to give it away like that please shut them down so no one else has to suffer the way I have these past 8 months thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts I found on my Credit RepoXXXX. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because because of their willful non-compliance of the dais FGCRA statute. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXX  XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; must be updated to reflect accurate information on my Credit File.
Product: Credit reporting

Hi ... .I have had to report issues to TRANSUNION , XXXX and XXXX numerous times. XXXX XXXX XXXX continues to attempt to collect a debt from me that is not mine. XX/XX/XXXX someone got a cable service in my name. I did not even have a drivers license.I was born in XX/XX/XXXX. I was not old enough to have this type of bill at all. The reporting company is XXXX. I have told them and they do nothing about it. I also have a medical bill which is not mine from XXXX XXXX XXXX. This is not mine and needs to be removed from my credit report.