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

I am writing to formally address the ongoing issue of fraudulent items persisting despite several attempts to remove them. As a valued customer of Credit Bureaus, I expect transparency, integrity, and swift resolution when faced with such matters.

I discovered fraudulent items on my account, which were promptly reported to your company. Despite multiple attempts to rectify the situation, the fraudulent items persist, indicating a systemic failure in your security measures or negligence in addressing these concerns.

These fraudulent activities have caused significant inconvenience, stress, and financial harm. Moreover, the repeated occurrence of such incidents reflects poorly on your company 's commitment to customer protection and satisfaction.

I demand immediate action to : Thoroughly investigate the root cause of these fraudulent activities.

Implement robust security measures to prevent future occurrences.

Provide full restitution for any financial losses incurred as a result of these fraudulent items.

Offer compensation for the inconvenience and emotional distress caused by this ordeal.

Failure to address these concerns in a timely and satisfactory manner may compel me to explore further legal actions to protect my rights and interests as a consumer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$970.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$620.00}.
Product: Student loan

I applied and was approved for the public service forgiveness loan ( PSFL ) program. FEDLOAN transferred my account from XXXX to their program. There was approximately 30 days between the transfer eliminating any functions to pay my loan. Once an online option was provided by FEDLOAN, it was over due. When I contacted FEDLOAN they advised that after an additional " review '', my payment option was not accepted by the PSFL program. This was not clearly explained or disclosed. They advised I was approved. Now they say I am not after the transfer my loan to their private company. 

FEDLOAN approved my application for PSLF and was allowed to have access to my account prior to their original review process. They did not provide an opportunity to pay my loan, causing a overdue debt ; and mislead their ability to operate the PSFL program. 

I wish to have my overdue debt removed and placed on the PSLF, as previously promised. 

Thank you.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX to ask why they were reporting bankruptcy and to investigate this. They sent a letter back to me stating, " They investigated the complaint about the bankruptcy and found it to be " unverifiable ''. However, XXXX XXXX is where XXXX and XXXX receive their information. XXXX XXXX gets their information from XXXX and they do not have any bankruptcy on my file either. So how can the bureaus respond that the bankruptcy is VERIFIED? Please investigate this issue and I have included a letter from XXXX XXXX to prove my complaint. 

XXXX Record type Bankruptcy XXXX  7-discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from portfolio recovery, which has been open in my credit reporting agencies account and it is indicated that the account is under collection which was opened in 2years and 11 months ago. I don't know why they have the account as open for two years and i have never signed any contract with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, I have been trying to freeze my credit report and obtain a copy of my credit report. I have called every week for several weeks and have attempted to order my credit report by phone, as well as two attempts to obtain my credit report and ask for a credit freeze online. None of my attempts have been successful, no one has contacted me regarding my requests, no credit reports have been sent to me, and no credit freeze has been initiated or verified that one is being processed. I would like a full credit freeze on XXXX, XXXX, and TransUnion, as well as a comprehensive credit report from all three credit reporting agencies and I would like your help in obtaining these requests.
Product: Credit reporting or other personal consumer reports

Credit Bureau was mailed Federal affidavit to verify all inaccurate accounts, addresses, and inquires reporting on my consumer credit file. Credit agency failed to provide legal validation of the alleged debts within lawful time frame. Credit agency is reporting invalidated information this action constitutes fraud under Federal and State Laws. Credit agency violated Fair Credit Reporting Act by reinserting previously without written notice within lawful time frame.
Product: Credit card

I paid {$10000.00} to XXXX XXXX using my navy federal card on XX/XX/2023. XXXX XXXX, XXXX XXXX, and XXXX XXXX, her team promoted turnkey XXXX XXXX XXXX XXXX rentals for a monthly XXXX. XXXX stopped once XXXX and her team received the money. That service was never rendered. The monthly profits were never paid out. In fact, it was all fraudulent. The link to the XXXX XXXX XXXX never existed. The apartment complex has stated she was never allowed to do such business in these apartments. The profit/ loss statements were copied/pasted. I have found XXXX other investors with the same unit number as myself, who have invested {$10000.00} or more each, same profit/loss numbers on their statement, and no profit for investors. I have filed a police report, along with XXXX people with the same complaints. She has been on the news, with multiple people accusing her of very similar scams. I have reached out to navy federal credit union, and disputed the charges, with no assistance.
Product: Debt collection

CHOICE RECOVERY INC has been in clear violation of the FDCPA and FCRA. I will litigate if the account is not deleted, purged and removed from the system,
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquiries on my credit report this morning and have no clue how they appeared. I checked my report as I typically do and found discrepancies that weren't there before. Refreshing my browser didn't fix the issue ; the unauthorized inquiries stayed. Because of this, I request a thorough review of the documents I sent to resolve this problem permanently.
Product: Credit reporting or other personal consumer reports

I've written to Experian demanding the immediate removal of a collection account from my credit report, which has been erroneously reported. The account, listed under XXXX XXXX XXXX with an unknown date of delinquency and a reported balance of {$1000.00}, violates both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance Guidelines. Despite my efforts to validate the debt under the Fair Debt Collection Practices Act, the creditor has failed to provide necessary documentation, including the original application bearing my signature. 

Given Experian 's legal obligations under the FCRA, as evidenced by the precedent set in XXXX XXXX Experian XXXX XXXX XXXX XXXX, I expect quick action to correct these discrepancies. The account has significant issues with its status, balance, and delinquency date, and lacks verifiable evidence linking the debt to me, all of which are unacceptable and unlawful. 

I have demanded the deletion of this account from my credit report within 15 days. Failure to comply will lead me to file a formal complaint with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and initiate legal proceedings for damages due to defamation and negligence affecting my credit standing. I have insisted on written confirmation of the accounts removal to resolve this matter swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- XX/XX/2020 UNAUTHORIZED CREDIT INQUIRY AND I HAVE NO IDEA ON THIS COMPANY IS. I WANT THIS DELETED IMMEDIATELY
Product: Debt collection

Pinnacle Credit Services has violated fair collection processes egregiously with me. 
I have attached the original documentation plus faxes sent to all partiesXXXX. Pinnacle is not the original creditor. 
XXXX. Pinnacle is reporting as an original creditor on more than XXXX of the credit bureaus ( FCRA Violation ) XXXX. As they are reporting to all XXXX bureaus, this debt will continue reporting until XXXX XXXX. XXXX, Texas statute of limitation for suit passed as of XXXX XXXX. XXXX, the standard of XXXX v XXXX for accuracy of demand on time barred debt applies to all communication to me. ( Demand attached ) XXXX. A debt buyer hired by Pinnacle XXXX XXXX and XXXX XXXX XXXX offered me a settlement on an out-of-statute account contrary to XXXX XXXX XXXX XXXX XXXX. XXXX attached ) on XXXX XXXX, XXXX. 
XXXX. Pinnacle is now reporting to the bureaus, contrary to earlier reports, as being able to be reported until XXXX XXXX contrary to their earlier reporting as XXXX XXXX. 
XXXX. Received a letter stating XXXX and XXXX was closing the case and information submitted back to Pinnacle. 
XXXX. I filed complaint with the BBB XXXX unanswered by Pinnacle XXXX attached XXXX. 
XXXX. For a brief period after the BBB complaint, the bureaus reported this debt as a closed account which has been subsequently placed back onto my bureau report as an open account and Pinnacle as original creditor. 

I am requesting closing of the file by all parties and deletion from all bureaus anything related to this debt for a pattern of violationsSincerely, XXXX XXXX XXXX
Product: Credit card

We are residents of XXXX. On XX/XX/XXXX, we were in XXXX and purchased merchandise. The purchase consisted of five items at a total cost of {$140.00}. Unfortunately the amount sent to the credit card companies was erroneously listed at {$740.00}. ( attachments 1,2 & 3 ) This is {$600.00} more than the correct amount of {$140.00}. When we contacted our credit card company by phone regarding the error, a temporary credit of {$600.00} was issued to our account. On XX/XX/XXXX, we received a letter dated XX/XX/XXXX, ( attachment 4 ) requesting we return an attached form by XX/XX/XXXX. The form was immediately filled out and mailed. Because the letter arrived on XX/XX/XXXX, it could not be retuned to our credit card company by XX/XX/XXXX. On XX/XX/XXXX, ( attachment 5 ) we received a letter from our credit card company indicating the {$740.00} charge was valid and the temporary credit of {$600.00} had been removed, thus reinstating the $ XXXX charge to our account. On XX/XX/XXXX, we mailed information to our credit card company explaining the circumstance of the dispute. ( attachments 6 & 7 ). On XX/XX/XXXX, we called the merchant. We texted him a copy of our receipt in the amount of {$140.00}. He agreed that the charge of {$740.00} was incorrect and that we should have been charged {$140.00}. On XX/XX/XXXX, we had a letter faxed to the our credit card disputes department from a local branch of the bank who controls our credit card ( attachment 8 ). At my request on XX/XX/XXXX the merchant contacted his bank explaining the {$600.00} overcharge. The XXXX bank immediately removed the disputed {$600.00} from its account. ( attachments 10 & 11 ) Knowing this, I have called the Chase Disputes Department numerous times to inform them of this only to be told by supervisors that the matter was being handled either by " the back office '' or the " representment? team ''. I was never allowed to speak with people in those offices. On XX/XX/XXXX, the merchant sent me the document he received on XX/XX/XXXX, from his bank showing the {$600.00} adjustment to his account. On XX/XX/XXXX, I again had a letter faxed to my credit card company with the additional documents from the merchant ( attachment 9 ). The XX/XX/XXXX, fax was sent 92 days after the XX/XX/XXXX, communication.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX  XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Ive made a total of two disputes and without proof they stated that I was the owner of the debt to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

I was living at XXXX XXXX XXXX XXXX on a one year lease that was supposed to end in XX/XX/XXXX. I informed them on XX/XX/XXXX that I would be needing to move out as of XX/XX/XXXX due to personal issues, HOWEVER, there had also been some major issues with maintenance and being blamed for having dog waste that wasnt ours outside of our apartment even though we were picking other peoples dog waste up. We had maintenance issues with our dryer and one of our showers not working that was ongoing from almost the beginning of our lease. I paid my rent until when I moved out and left the apartment in pristine condition. Nothing more was said from the complex after I left. My daughter had even been back a few times to get mail not forwarded and the office said nothing to her ( she was also on the lease ). 
Imagine my surprise when I just checked my credit report and see that I am being reported as owing {$9800.00} since XX/XX/XXXX to XXXX XXXX XXXX being collected by a Hunter Warfield who I will also be reporting as a collection agency should know better than this. Im assuming that they are trying to make me responsible for the remainder of the lease from when I moved out until XXXX. The problem is, XXXX XXXX contacted me by phone and email ( thankfully ) and let me know that a new tenant had moved into the same apartment I had moved out of ( they took tenancy as of XX/XX/XXXX ) and needed me to release services because some reason services were still hooked up in my name. I have thankfully kept that communication to prove that they are trying to collect for the same apartment twice and only within a month of me vacating which I believe is a violation of the Fair Debt Reporting Act as well as other AZ tenant/landlord laws. I am requesting that this ALL be removed from all credit reporting agencies and stop all collection activities due to this violation and the fact that there was harassment over behaviors displayed by neighbors and not by me ( quite the opposite ) as well as maintenance issues ongoing and never corrected after numerous visits.
Product: Mortgage

Ditech did not run a correct escrow analysis on my account which shows my property taxes has changed to XXXX which I have a {$660.00} surplus that needs to be issued as a refund and change my monthly payment to the correct amount. Ditech still not reporting my correct mortgage balance each month to all 3 credit agencies. I sent Ditech a copy of my current tax bill which is XXXX ( {$0.00} ) they still are withholding my fund do to their legal team can not do basic math or look at the XXXX website and see I do not have a tax bill. I will provide CFPB with a copy and Ditech again.
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to Transunion regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX  AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINEAND INACCURATE. 
ACCOUNTS : XXXX XXXX XXXX NOT MINE, PLEASE DELETE XXXX   XXXX XXXX NOT MINE, PLEASE DELETE XXXX- NOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX NOT MINE, PLEASE DELETE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I have asked XXXX, XXXX and Equifax verification and validation of a Negative Public Record : XXXX XXXX XXXX XXXX XXXX. 
I have explained my name XXXX XXXX XXXX is a very common name and we have over XXXX XXXX XXXX just in NJ and 89 In NY. The Bankruptcy has been mixed up with someone else. I have sent letters and disputed this negative report on line with no success. This negative information is affecting me financially and emotionally. I have found several innacuracies on my report, however, this is the most damaging of all.
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$790.00} ; XXXX  XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed chapter XXXX bankruptcy on XX/XX/2019 and included Discover card into the debt on XX/XX/2019 discover debited {$130.00} from my account and shouldnt have because of the pending bankruptcy
Product: Checking or savings account

I rented a vehicle from XXXXXXXX XXXX XXXX  in approximately XX/XX/year>, I returned the vehicle and upon completion XXXX has been making continuous fraudulent transactions. BMO Bank has authorized a XXXX XXXX dollar transaction on my account from XXXX in which I have no idea what the charge is regarding. Also, I had to submit a dispute regarding a different merchant who's a small business owner for a fraudulent transaction. BMO Harris Bank initially provided a provisional credit to my account, however, they have retracted the provisional credit. Approximately XX/XX/year> I emailed BMO requesting any documents used to make their decision, I have not heard back from them as of yet. In the meantime, XXXXXXXX XXXX XXXX  is still attempting fraudulent charges onto my account.