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

Three companies are involved : 1. XXXX XXXX XXXX in XXXX. 
2. XXXX XXXX who took over for the last owners of XXXX XXXX XXXX XXXX they had been XXXX XXXX. I don't or never have had service with XXXX XXXX and XXXX XXXX XXXX account was closed in 2014. It ia no way they will except closure now because I have loved at XXXX XXXX XXXX in XXXX or XXXX XXXX since 2014. The accoint was requested closed but they never showed up to get in with me. If some used the account afterwards its because they could get in on their own account not a collection to me. 
They are claiming that I am using a cable box that don't exist. 
3. I have internet service through XXXX XXXX XXXX My bill with XXXX XXXXXXXX XXXX. WAS ONLY {$50.00} a month so where is this {$520.00} coming from. My this month bill is paid. And O am not supposed to be paying cable for XXXX if I say something to the owner suppose they stop allowing it. I need to know if they are going to correct this error. 
XXXX XXXX XXXX
Product: Debt collection

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. As this account are Identity theft Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, IDENTITY THEFT accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX have attempted to dispute this erroneous item on my credit report that does not belong to me. Credit Bureaus please choose your words wisely as I will be using this dialog to bring a law suit against you if my request is not granted as this has already caused damage to me and my business. I am requesting the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof you have on file of the accounts listed below. 

Federal Ct XXXX If you can not provide proof please remove this account immediately as this is now my 3rd request over the last 90 days and you have now violated the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent me a letter back on XX/XX/2024 threatening to repossess the vehicle. Meanwhile XXXX XXXX XXXX can not Validate the debt at this time according to XXXX XXXX XXXX. A Cease and desist was placed on the account. XXXX XXXX XXXX are still adding fees, falsely stating that a confirmation number given to me is my previous account number when it is not, and also making negative remarks on my credit report. Meanwhile, XXXX XXXX XXXX can not provide Validation at this time. It's been more than 30-45 days now. Send Validation of debt and the correct account number. Until then, since a cease and desist is in place by XXXX XXXX XXXX, no remarks or inaccurate reports should be placed on my credit report.
Product: Credit card or prepaid card

capital one is not honoring their agreement to allow me to pay {$50.00} a month and have me enrolled into their special program. My current bill reflects a minimum payment of {$630.00} that is owned by XXXX there is no way I can pay it and they continue to affect my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

Applied for a credit card to get the promotional rate and the promotional money on the card ( XX/XX/year>, XXXX ). After being approved for the card I was unable to use the card to pay for the flight as the information was not provided to do so. I called Citi bank/AAdvnatage to get this information and was told I had to wait XXXX to XXXX hours to get a usable account. ( XX/XX/year> ) They did verify I was approved. XXXX hours later I still had no account information to use to pay for the flight so I called again, ( XX/XX/year> ) this time I was told that they do not provide this information and they were sorry I couldn't take advantage of the promo and the means to pay were provided at approval, which was not provided. So now I am not using the card to pay for the flight because the promo is not applied.
Product: Credit reporting or other personal consumer reports

I am trying to purchase a home and get access to my credit files and have my reports as accurate as possible and seem to get nothing but pushback from XXXX. 

I have multitudes of misinformation on my reports primarily with my name, address, and a crazy amount of inquiries. 
I also had credit card fraud that they have refused to assist with even though I have police reports and submitted a report to the FBI. 

They have now frozen me out of my account and refuse to give me or anyone access to my reports for the purpose of purchasing me a home and causing me financial harm.
Product: Checking or savings account

I transferred {$1000.00} via the bbt ( truist ) app. When I attempted to reverse the transaction bbt refused to assist despite the transaction pending in the checking account. I trusted that the transaction would be serviced by bbt not no assistance offered. I chose this form of payment for its security and because bbt 's name is on it and I trusted their security. 


I have been a bbt customer for over 20 years with checking, mortgage, and credit card lines but they still refuse to assist. Avoid truist at all costs, no customer service and loyalty is punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXXXXXX Date Opened XX/XX/2021 Balance : {$610.00}. Please update.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account No : XXXX Dear Sir/Madam, I am writing to address the recent communication received from your office dated XX/XX/XXXX, regarding an outstanding balance associated with Account No : XXXX under the names of XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, after reviewing the information provided in your letter, it has come to my attention that there are inaccuracies that must be urgently rectified. 

The statement made in your correspondence regarding the outstanding balance of {$22000.00} is in dispute due to the fact that the XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXXXXXX was involved in a car accident on XX/XX/XXXX. Notification of this incident was promptly conveyed to your company both via email and through a phone conversation with one of your agents. Consequently, the continuous reporting of this alleged debt to three credit agencies is a clear violation of the Fair Credit Reporting Act.

I hereby demand the immediate removal of this inaccurate information from all credit agency reports. Failure to comply with this request will leave me with no choice but to pursue legal action to address this matter and seek appropriate remedies. Legal counsel will be engaged to handle these matters should the erroneous reporting persist. 

I urge you to conduct a thorough review of your records and make the necessary corrections to accurately reflect the circumstances surrounding the referenced account. Any further attempts to collect on this disputed debt will be considered a willful violation of consumer rights and fair credit practices. 

I kindly request that you provide written confirmation once the corrective actions have been taken to ensure the accurate reporting of this account. Your prompt attention to this issue and a resolution that aligns with credit reporting laws and regulations are expected. 

Thank you for your cooperation in promptly addressing this matter. 

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

You have incorrect personal information being displayed and your rude phone representative wont correct the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX, Transunion, has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything
Product: Credit reporting or other personal consumer reports

I'm experiencing XXXX, dissatisfaction, and XXXX concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report, as I have been a victim of a data breach and subsequent identity theft. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C.

1681c-2 ( a ), I am seeking to have the following unauthorized accounts and inquiries removed from my credit file. 
Fraudulent Accounts 1. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX 2. XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} 3. XXXX  - Case Number : XXXX - Filed : XX/XX/XXXXXXXX  - Balance : {$0.00} 4. XXXX  - Case Number : XXXX - Filed : XX/XX/XXXXXXXX XXXX Balance : {$0.00} Fraudulent Inquiries XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX  - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fay Servicing , LLC ( listed on the credit reports as FAY FINANCIAL, XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX ) continues to report incorrect information about my account to credit reporting agencies. 

I have reported these inaccuracies to the credit reporting services XXXX and XXXX, which have in turn reported them to Fay Servicing. But Fay Servicing continues to refuse to fix these problems. 

I have repeatedly asked Fay Servicing to correct their inaccuracies, both via voice-mail ( they never answer the phone ) and most recently in an email to my account XXXX, XXXX XXXX XXXX XXXX ) on XX/XX/2020. XXXX XXXX has never replied to my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Product: Debt collection

This debt has been placed on my credit profile, this is not my debt I have contacted this company numerous times explaining this to them and they refuse to remove this debt.
Product: Money transfer, virtual currency, or money service

Paypal permanently put limitations on my account since 2014. They did not explain why they did this action. Said it was transactions that was not right. Told them I had a processor through stripe. Reissued my information to them still denied me. Have not used their services since 2014 still penalize me. Tried to reach out to them in past gave me the run around and still would not tell me why they did this action. I go to an online school that only accept payments through PayPal. They let me pay my cost of tuition and service. Will not let me sign up.for others. If you need information I can provide. Will not even let my children get an account because of the address used. Can you help me out with a solution for this problem?
Product: Credit card or prepaid card

Credit card advised the fraudulent charge would be removed. It failed to do so and my FiCO score has gone down XXXX points. 
The company is Barclays, XXXX XXXX Master Card
Product: Student loan

When I began XXXX XXXX in XXXX, I took out a {$20000.00} Direct Unsubsidized loan at XXXX percent interest rate and a {$2000.00} Graduate PLUS loan at a XXXX percent interest rate. I have attached the original loan documentation for this as Exhibit A. On XX/XX/XXXX, I paid the entire {$2000.00} balance remaining on my Grad PLUS loan, as demonstrated by the loan financial activity summary attached as Exhibit B. Before the end of the payment pause, I made further payments to my XXXX XXXX loan for a remaining balance of {$8100.00}. On XX/XX/XXXX, MOHELA sent a payoff letter confirming payment of my Grad PLUS loan, attached as Exhibit XXXX Yet on XX/XX/XXXX, I received correspondence from MOHELA XXXX that I had a {$2000.00} balance on my Grad PLUS loan, which was past due ( Exhibit D ). My account now reflects a {$2000.00} decrease in the balance of my Direct Unsubsidized loan ( down now to {$6100.00} ) and a sudden resurrection of the paid-off Grad PLUS loan with interest tacked on so that my total balance increased to {$8200.00}, attached as Exhibit XXXX XXXX never made any request to reprocess payments or authorized any action that would take my Grad PLUS loan ( with a higher interest rate ) out of payoff. When I called in to ask what happened, following an XXXX minute hold, a MOHELA representative acknowledged that the servicer had committed a serious error and taken it upon itself, without my request or authorization, to reprocess the XXXX XXXX payment of {$2000.00} to the Direct Unsubsidized loan, not the Grad PLUS loan ( with a higher interest rate ). However, in order to get this fixed, MOHELA required that I make a request to have the XXXX XXXX payment reprocessed for the Grad Plus loan -- as if I had not directed the payment to that loan in the first place. This is an attempt to cover up their serious error and prevent regulators from finding out about this, at best, severe lapse in compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to a Late Payment for XXXX XXXX XXXX XXXX Credit Card. Per attached screenshots, my credit reports show the following : XXXX : XXXX  2022, 60 Day Late Payment Experian : XXXX  2022, 60 Day Late Payment XXXX : XXXX  2022, 90 Day Late Payment Due to these reporting inconsistencies and inaccuracies, please update my account to as paid on time. This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX XXXX Visa account number is # : XXXX.
Product: Credit reporting or other personal consumer reports

XXXX sent me a promotional offer for a credit card. 
I have applied because the promotional offerred said it was going to be a soft inquiry when I was applying. 
My credit score is great close to XXXX and they still denied me for any credit limit. 
Now I noticed a hard inquiry on my credit that it is going to stay until XXXX and this is not right. 
Why would you send a credit offer to me if the company can not approve my credit and why would the company lie about the inquiry they are going to put in my shoulders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting.

How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted.

Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 

XXXX XXXX XXXX : Account number : XXXX, Date Last Active and Date Last Reported shows multiple dates ; also, each bureau showing a different High Balance. These are violations and I want this removed from my report. 

Last Active XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX Last Reported XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX High Balance XXXX {$37000.00} EQUIFAX {$81000.00} I hope we can resolve this issue without complaints to the Consumer Financial Protection Bureau and other agencies. 

Looking for your help.
Product: Credit reporting or other personal consumer reports

Recently, when I reviewed my credit reports, I discovered two accounts that I did notrecognize : XXXX XXXX ( Account Number : XXXX ) and XXXX  ( Account Number : XXXX ). I recall losing my walletyears ago, which contained my driver 's license, social security card, and credit card. Isuspect thatsomeone might have used this information to fraudulently open theseaccounts. I need assistance in removing these unauthorized accounts from my creditreport.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2020 from XXXX XXXX XXXX XXXX account XXXX. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.
Product: Checking or savings account

Last year in XXXX of 2023, an online scammer got hold of my XXXX and Capital One XXXX  account and used my accounts to do questionable transactions. I got in contact with the scammer and told him to stop as this was not his account but the transactions continued. On XX/XX/XXXX, Capital One restricted my account to prevent any fraud, so I called the customer service number to try to resolve the issue. Unfortunately, the customer service representative was no help to my situation because I was not allowed to explain my problem to the representative and did not even consider listening to my issues. I asked to be transferred to another representative who could help me but the other representative refused to help as well and decided to permanently restrict my Capital One 360 account. I was told that they would investigate and contact me again to reconsider but I never received a call back from Capital One and I never got my account opened again. The customer service was very subpar and were not helpful.
Product: Mortgage

The most recent incident is XX/XX/XXXX. Freedom Mortgage received my house payment XX/XX/XXXX. THey only credited {$100.00} and listed the remainder as pending. Today, they have sent my ex-husband ( not me ) a statement that I am two months behind on payments.

When I check the online record, it says the remainder of my account is pending and has not been credited. It also states that payments are not late until the XXXX of the month. 

Also, after repeat requests to send me statements, phone calls, etc,,, they continue to contact my ex-husband. I live in the property ; I make the payments. 

I also noticed that they are doing some sort of maintenance this weekend, and are not available. 

THis has happened multiple times in the last year, and appropriate credit of the accounts has been an issue for longer. It seems they are delaying payments to generate late fees. OR, they are trying to force me to refinance at a higher rate.
Product: Debt collection

I am being hounded for a medical debt by a company that is not bonded in the state I reside in XXXX Texas XXXX. After numerous attempts to have them validate the debt with written proof that I am in an agreement with their company specifically ( XXXX  XXXX XXXX ) they failed to do so and only sent general information in the form of a bill for the account that I am not familiar with as I have no knowledge of this debt. 
I am asking that this account be removed from all credit reporting bureaus immediately due to this fact. 
My account number with the company is - XXXX. 

Please confirm receipt of this request an I look forward to its ' immediate removal. 

Thank you XXXX XXXX