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

The alleged debt has inaccurate information represented in it. In XXXX of XXXX, I submitted a dispute about the inaccurate information to XXXX. They responded that the information was valid, I requested proof of the validity but never received it. 

The alleged debt is reporting as a delinquent account that was opened on XX/XX/XXXX. That is inaccurate. The account was opened with this company on XX/XX/XXXX of XXXX. It says that this is a 1 month account but my policy was for 1 year. It says that the original amount of the account was for {$800.00} but my monthly payment amount was {$320.00} so that number is inaccurate. Almost every piece of information related to this account that the credit bureaus are reporting is inaccurate even though I have submitted contrary information, it has not been updated to reflect any piece of accurate information. 

XXXX is reporting my date of delinquency as XXXX of XXXX XXXX reports my date of delinquency as XXXX of XXXX and Transunion does not report a date at all.
Product: Credit card

I have received at least XXXX solicitations for a balance transfer from CapitalOne over the past several weeks. I decided to accept their offer onXX/XX/XXXX at approximately XXXX. Upon completing the informationfor the transfer, Capital One shut down my account due to " suspiciousactivity ''. When I called them, they cut me off XXXX before asking me aseries of questions, which had no answer from a representative whodid not have a capable command of the XXXX language. Questionsincluded the age of my father, which I answered correctly, a car that Iowned XX/XX/XXXX, which I answered correctly, and towns where I lived, which did not exist ( e.g. XXXX, NJ-there is no town called XXXX, NJ, I did tell them that I lived in XXXX County, NJ at some point, whichserved to confused the issue ). They informed me that I would have to filepaperwork to re-open my account due to possible fraud. This is not thefirst episode of ridiculousness that I have had with Capital One.
Product: Credit card

I will be taking legal action XXXX XXXX amount of {$11000.00} was charged on my credit card. My Bank failed to stop all transactions and notified me. It went over my credit limit. I had several fraudulent from a company called whatnot. I never nor did my husband approve for any of these transactions. The bank stated the package were sent to my address. What packages? I do not have any package whatsoever. I even submitted supporting documentation to help with my claims. I am always calling every week to get update. The bank is working on the case no changes. As of today BOA closed my claim stating I asked for it to be closed. I never spoke to anyone about closing my claim, I never gave anyone authorization to close it. I repeat why would I want to close a {$11000.00} claim! Im getting the runaround with BOA. Im sorry BOA has failed me, I been with them since XXXX, I never had this happen to me especially a huge fraudulent transaction!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordane with the fair credit reporting act convergent account CREDITOR / COLLECTOR : XXXX XXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX  Account Number : BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / XXXX XXXX XXXX Account Number : XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account Number : XXXX BALANCE : {$0.00} CREDITOR / COLLECTOR : XXXX XXXX Account XXXX XXXX : {$0.00} CREDITOR / COLLECTOR : XXXX Account Number : XXXX BALANCE : {$610.00} The Credit bureaus stated my account was properly investigation but how is that possible is the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 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.

Also the credit bureaus took more than 30 days to complete my investigation
Product: Consumer Loan

In XXXX 2014 I took out a {$1000.00} 'Line of Credit ' at about the same percentage as a payday loan from a tribal lender - Mobiloans. Over the course of the next 10 months I made regular payments of {$95.00} every two weeks. A few times I paid off the loan completely, only to need to take it out again. In XXXX I signed up with a debt management program. Mobiloans denied the proposal, saying they do n't work with those. I was told they would not accept any payment discussions on my loan until I was 30 days late. Once at 30 days, I called back to again discuss payment arrangements. I was not trying to 'settle the debt ', I was trying to pay it back with arrangements I could handle in my budget. I was told I could pay {$950.00} in XXXX installments of {$470.00} each within 30 days and this would satisfy the remaining amount due of {$1300.00}. I was told this would be accepted as payment in full and release me from the remaining debt. At great hardship, I made these payments on time, for a grand total of {$5000.00} paid on {$3400.00} loaned. 
During the entire time I was making on-time payments, nothing was reported to my credit report at all. As soon as I made the last payment of {$470.00}, my Transunion reported showed up with a Mobiloans account, of {$1300.00} Charged Off/Unpaid to Collections. 
I immediately called, and was directed to email Mobiloans Disputes. Disputes told me they would change it to Charged Off/Balance {$0.00} because I had 'accepted a settlement '. At no time during the payment arrangements was I told this would report to my credit this negatively. Usually Charge Offs are reported when there are XXXX plus months of non payment. This was not the case. 
I offered to pay the remainder of the amount they accepted as Paid in Full just to have this removed. They refused, saying it was my mistake that I chose the settlement option. I asked that they remove the Charge Off then as this was only hurting my credit, not them, as they 'd received {$1500.00} above the original loan paid back in full. I was told that they had to report 'accurately '. However, they had not reported 'accurately ' the amounts paid, nor the good payment history before the accepted final payment. 
I 've sent multiple letters and called numerous times. At best, I 've been told 'I should be thankful they are only reporting XXXX '.
Product: Money transfer, virtual currency, or money service

A fraudulent merchant kept trying to charge my card, Cash App would not stop them from trying to charge my account and closed my account instead of correcting the issue
Product: Debt collection

XXXX XXXX XXXX : XXXXXXXX  XXXX. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block this fraudulent information within four business days of receipt of this complaint. 

The following accounts, which I did not open or authorize, are fraudulent and should be removed from my report : A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 
A credit card account opened at XXXX on XX/XX/XXXX, under account number XXXX with a balance of {$150.00}. 
A utility installment account opened at XXXX on XX/XX/XXXX, under account number XXXX with a balance of {$190.00}. 

These accounts have resulted in several fraudulent collections and charge-offs appearing on my consumer FICO credit report, which highlights the fraudulent items in question. 

Please be advised that I do not recognize or acknowledge these accounts, collections, or charge-offs as they were not initiated by me. All of these items are the direct result of identity theft and fraud. 

In addition, I have enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Complaint ( # XXXX ) as verification that these consumer credit accounts, collections, and inquiries are the result of identity theft and should be blocked from my report as per the requirements of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to the swift correction of my credit file. 

XXXX XXXX
Product: Credit card

We were auto paying our cable bill. Everything was fine until they started emailing our statement without notification. We missed XXXX payments. I found out that we were late, I made a payment on XXXX XXXX over the phone for {$100.00} then another {$250.00} on XXXX XXXX XXXX over the phone. I asked them will they go ahead and pay the cable company. They said no, the cable company will have to resubmit the charge. On XXXX XXXX, XXXX I had the cable company run the card again so they will send them my payment. They paid my bill {$340.00} and billed me again the {$340.00} because the cable company run my card again. I put in a dispute and in XXXX XXXX they pulled my payment back from my cable company. The cable company called and advised me that I need to pay them {$340.00} because my credit card company did a charge back. I went and paid my cable bill {$340.00}. Now I have paid {$680.00}. for XXXX months cable. My cable is {$160.00} a month. The credit card company has my {$340.00} and they say I owe them another {$340.00}. Then they said my credit card was charged twice on XXXX, but can not provide me a statement showing the XXXX charges. I spoke with their fraud department and they don't see XXXX charges on XXXX either, I called my cable company and they don't see XXXX charges. My credit card company hasn't actually paid my cable company since XX/XX/XXXX. My cable bill is paid up to end of XXXX because I took them on auto pay in XXXX. Please help me. You can pull my payment history and have paid my bills on time and in full.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally request that certain fraudulent items be blocked from my credit report under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I have identified hard inquiries and invalid personal information that have been reported as a result of identity theft, and as such, I believe these entries must be removed from my credit file. I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appeal on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent hard inquiries and invalid personal information are as follows : XXXX XXXX acct # XXXX wrong amount reporting as well as account status. Personal information that is invalid is address XXXX XXXX Terrace XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX Telephone numbers XXXX, Hard inquiries are These Credit Acceptance XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Nowcom/north XXXX XX/XX/XXXX, XXXX AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX Main XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and invalid personal information appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. As stipulated by FCRA Section XXXX, you are required to block fraudulent information from my credit report within XXXX business days of receiving this request and all necessary documentation. Please confirm in writing that the requested items have been blocked within the required timeframe. If any additional information is required to process this request, please notify me promptly so that I can provide it without delay. I appreciate your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these fraudulent accounts from my credit report. I have attached supporting documentation, including Identity Theft Report that verifies the fraudulent nature of these accounts, as required by the FCRA. Additionally, I have enclosed copies of my government-issued ID, proof of address, and any other documents necessary to validate my claim. In accordance with the FCRA, I respectfully request that you block this fraudulent information from my credit report and notify all relevant parties of the action taken. I understand that you have a limited time frame to process this request and to confirm that the fraudulent information has been blocked. Please confirm the successful completion of this action in writing. Thank you for your prompt attention to this matter. I look forward to your response and the removal of these fraudulent entries from my credit file. 
Sincerely, XXXX XXXX Attachments : Identity Theft Report Copy of Government-Issued ID Proof of Address
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX XXXX XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.
Product: Debt collection

I had to file a police report on an original debt from XXXX XXXX that Midland funding has bought. I sent int police reports and case numbers for identity theft and Midland Funding LLc is still furnishing this acct on my report. I have tried disputing in many ways to get this removed and every month it is still updating Im not sure why a fraudulent debt was sold but this is a violation of the FCRA to keep publishing with the bureaus it is a bill for XXXX $ dollars that does not belong to me and I've stated this many times
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/2024 I sent a letter via certified mail to Fair Collection And Out to verify the alleged debt they claim I owe. In response they sent me a copy of an online lease that was used on docu-sign. This didn't validate the debt is mine. So on XX/XX/2024 I sent a second letter to this company requesting full details and documentations to verify this debt. They failed to send the required documentation I've been asking for several times. This company keeps giving me the run around and sending me the same information, which does not prove this debt is mine. I have no knowledge of this account this is false information that is being reported by this company. I have had my identity appear on the dark web ( my drivers license and social security card ) this debt could be fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable Reinvestigation of disputed information on my credit report leaving inaccurate Or unverified Account unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX  alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. these failures aligned with my experience where XXXX has neither correct it nor removed Dispute it items despite the evidence provided, Causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction Violates fragile law and my rights as a consumer
Product: Mortgage

My mortgage was with XXXX and that loaner only had to pay taxes and insurance. No payments were required from XXXX for over two years and house was written off. Then on XX/XX/2015 Green tree sent client a letter requesting payment of XXXX. Client is on social security XXXX and unable to make any payments after two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My office was closed most of XXXX and XXXX due to Covid-19. Because of this, I was not able to work. I was working in the financial services industry, which relied on in-person meetings with business owners and their employees. I was forced to quit in XXXX because they took my salary away. I contacted XXXX  XXXX XXXX, XXXX, and XXXX to let them know that I was affected by the pandemic and would not meet my obligations in XXXX. I asked if I could skip the XXXX payment, which I would catch up on in XXXX when I received my income tax return. But because these accounts were closed by me due to financial hardship, they would not allow me to do so and reported it to all three credit bureaus. The Cares act protects consumers and requires furnishers who call with a Coronavirus complaint to note current accounts. I was discriminated against because I faithfully paid what I owed to the credit card companies. Before XXXX of XXXX, I had never had a delinquent payment in my 32-year credit history. Instead of allowing this money to get charged off, I agreed to pay them because it was the right thing to do. Because of these four past due payments, my credit score has dropped over XXXX points. I will not be able to buy a house or a car. In addition to calling the credit bureaus, I wrote goodwill letters to no avail. I disputed the reports to all credit reporting agencies, also to no avail. 
I am a single parent whose ex-husband is a convicted fleeing felon, whom I have had no contact with since XX/XX/XXXX. I have two children. My daughter has XXXX, in which she continues to have multiple follow-up appointments out of state. My son has XXXX, which he was hospitalized for when I had the first financial hardship. I do not get child support and have no family to help me. I used credit cards to help me take care of my children. 
I would like for these credit bureaus to remove all four delinquent payments from these three banking institutions. Please help!
Product: Credit reporting or other personal consumer reports

I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) that I am a victim of XXXX XXXX  and to report TransUnions failure to comply with Section 605 ( c ) of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws protecting XXXX  survivors. Under the FCRA, specifically Section 605 ( c ), credit reporting agencies are legally required to block adverse credit information that resulted from XXXX  within four business days of receiving a victims request. I have provided TransUnion with all required documentation, including proof of my status as a victim and an official report verifying my victimization. Despite fulfilling my obligations under the FCRA, TransUnion has not complied with its legal duty to block the adverse credit information related to this matter. Furthermore, I bring to your attention the Justice for Victims of XXXX  Act of 2015 ( JVTA ) [ 18 U.S.C. 1591 and 22 U.S.C. 7102 ], which defines severe forms of XXXX  in persons, including XXXX XXXX, and ensures the protection and restitution rights of XXXX  survivors. These laws emphasize that XXXX  survivors should not be further victimized through adverse actions that impact their financial standing, including the mishandling of credit report disputes. Additionally, the XXXX  Victims Protection Act ( TVPA ) and its subsequent reauthorizations highlight the federal mandate to provide restitution and safeguard the rights of victims of XXXX XXXX  and XXXX XXXX. FCRA Section 605 ( c ) was specifically amended to provide victims with the right to have adverse credit information removed when it is a direct result of XXXX. TransUnions failure to follow these mandates and disregard for the protections afforded to XXXX  survivors under federal law is unacceptable. This non-compliance has caused me undue distress and further compounded the harm I have already suffered. I demand that the CFPB take immediate action to ensure TransUnions adherence to the FCRA, JVTA, and TVPA. All adverse information related to this matter must be permanently blocked and removed from my credit report without further delay. I also request an investigation into XXXX unlawful handling of my case and for the CFPB to impose the necessary penalties to prevent such violations from occurring in the future. I expect a prompt response and intervention. Please confirm receipt of this complaint and advise on the next steps to resolve this matter. Thank you for your attention to this issue and for safeguarding the rights of XXXX  survivors.
Product: Vehicle loan or lease

Credit acceptance repossessed the truck in XXXX and the truck was sold. They are still reporting it on my credit as of XX/XX/XXXX as XXXX days late in the payment buy there is no payment. The account should be closed with a balance owed, but no payments have been missed since the payments stopped with the repossession. They are continuing to report my payment as late and the status as being " in repossession '' but the truck was repossessed 3 years ago and sold at auction. They continue to report it as a late payment every month letting my credit score significantly where I can't even attempt to rebuild it. They aren't responding to my numerous attempts at getting them to report it correctly to all 3 bureaus.
Product: Debt collection

I sent a dispute letter including a police report proving that this account is fraud to this company on XX/XX/XXXX. I have called several times and have been getting the run around. I talked to XXXX  ( operator number XXXX XXXX yesterday XX/XX/2020 and she advised me that management last looked at the account on XX/XX/2020 but have not done anything else regarding the dispute and she will email them. Ive been disputing this account for over a year. I am now demanding that this fraudulent account is deleted ASAP!