23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Despite my previous disputes and your assurances, fraudulent accounts continue to plague my credit history. Your lack of competence and inability to rectify this situation promptly is both distressing and unacceptable. You are making fun of my distress as some of the fraudulent accounts were deleted previously, and then you listed back the accounts again. Clearly, you are violating the FCRA as you failed to provide accurate information consistently. 
Account Information : Creditor Name : XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX  XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
I am formally disputing the presence of fraudulent accounts on my credit report. It is incomprehensible that, despite my repeated efforts, these inaccurate and damaging entries persist. Your agency 's failure to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) is not only inexcusable but also indicative of a systemic failure to report accurate information. 
I am left with no choice but to express my dismay in the strongest terms possible. The impact on my financial life has been substantial, and your lackadaisical approach to addressing this matter only compounds the distress I am enduring.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Failure to Process Reinvestigation Request Dear Sir/Madam, I am writing to formally lodge a complaint against TransUnion for their failure to process my reinvestigation request in a timely manner, which has resulted in the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a reinvestigation request to TransUnion regarding inaccuracies on my credit report. Despite my efforts to resolve this matter, I have not received a response or any updates on the status of my request. The timeline of my actions and lack of response from TransUnion is as follows : 1. XX/XX/XXXX : I sent my initial reinvestigation request via certified mail, including all necessary documentation to support my claim. 
2. XX/XX/XXXX : Having received no response, I sent a follow-up letter to TransUnion, again via certified mail, reiterating my request for a reinvestigation and expressing my concerns about the lack of communication. 
3. XX/XX/XXXX : With still no response, I attempted to contact TransUnion by phone. I was unable to reach a representative and left a detailed voicemail requesting a status update. 
4. XX/XX/XXXX : I sent a final written request via certified mail, demanding immediate action on my reinvestigation request and warning of my intention to file a complaint with the Consumer Financial Protection Bureau if no action was taken. 

As of today 's date, XX/XX/XXXX, I have not received any response or update from TransUnion. This lack of action has severely impacted my ability to secure credit and has caused significant stress and inconvenience. 

The Fair Credit Reporting Act mandates that credit reporting agencies must investigate disputes within 30 days of receipt. The failure of TransUnion to process my request within this legally required timeframe is a clear violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have banked with Wells Fargo for a number of years. Working hard to build my credit profile back up after having to file XXXX in 2018 due to my father 's XXXX XXXX. Medical bills piled up for our family and we were advised that XXXX  is the route to get out of the whole. Ever since the filing, I have worked hard to make on-time payments and build my credit profile. Making all payments on-time until I faced an access issue with Wells Fargo and my credit card payment. 

On XXXX2024 I started a XXXX month work trip that began with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, then returning home on XXXX XXXX, 2024. 

During this period, unlike my travels before, for some reason I was blocked access from my Wells Fargo app and Website through days in XXXX and XXXX. I attempted to log in and make payments, in-fact in some cases I also was unable to use my debit card at ATMs. I reached out to the fraud department asked if there was any triggers leading to this. They informed me that they don't see anything. After getting off the phone, I regained momentary access, only to be locked out again. This went on for some time. During this period I was unable to make my payments, this was extremely concerning for me as I have made every attempt to make on time payments and did not want to be penalized for a late payment when I couldn't find any means to make one. Calling in a payment was also not possible as the 1800 number was not working when dialing internationally. I had to request a conference call to finally get in touch with the departments to clear the payment issue. 

However, by this time the payment had already past the due date, and now I have found that it has been reported to the credit bureaus ruining my credit score and profile of on-time payments that I have spent XXXX  years of my life working incredibly hard to build up. It is not appropriate to penalize a person when they are unable to access systems of the bank to make the necessary payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 5 accounts from XXXX XXXX that do not belong to me. I was not notified by mail of any of these accounts prior to this company placing these accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXXXXXX payment history. I have disputed a missed payment from XX/XX/21 with all three credit bureaus, the credit reporting agencies have failed to delete this missed payment. The credit agencies have switched and rearranged the information regarding this payment numerous times including changing the date from XXXX to XXXX, because of this my credit is taking a tremendous drop. I want this missed payment deleted from my credit history Immediately.
Product: Credit reporting or other personal consumer reports

I've had XXXX card XXXX XXXX XXXX XXXX for many years and rarely used it. Last year in XXXX I opted out of receiving XXXX 's solicitations. I was not informed by XXXX that in doing so, they would cease sending me statements where I could see if I had a balance due and by when it was due to be paid. In XX/XX/2024 I went to make a purchase and realized I only had my XXXX card on hand, so I made a small purchase of {$28.00} ( or {$38.00} ). I had forgotten about the purchase since I rely on receiving statements for my credit card bills so I can review them for accuracy and pay them before the due dates. It was only until I received a notice from my bank, XXXXXXXX XXXX XXXX XXXXXXXX program alerting me to a missed payment, that I was informed of the charge being past due. When I reviewed by XXXX card account, I saw that they charged me a 100 % late fee for the missed payment and reported my account as delinquent/missed payment to the reporting agencies. I called XXXX, disputed the late fee, noted that I had no other charges on the card, have never missed a payment to any of my creditors, and had an outstanding credit score. I demanded that XXXX remove the late fee and retract the inaccurate reporting of me missing a payment, given that they on their own and without my consent stopped sending me account information - which they verified was because I opted out of receiving their marketing solicitations. They apologized and reimbursed me. I was told they have no way of retracting the misinformation they reported and RUINED my credit as a result.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Rental Payment Information Dear TransUnion, I am writing to formally dispute the incomplete and inaccurate reporting of my rental payment information on my credit report, as provided through AnnualCreditReport.com. Specifically, my rental account with XXXX ( Account ID : XXXX ) has not been updated to reflect my on-time payments for XXXX and XX/XX/XXXX. 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681a ), credit reporting agencies are required to maintain accurate and complete information on consumer credit reports. The failure to update my timely rental payments constitutes an error that may negatively affect my credit history. 

The details of the disputed account are as follows : Creditor Name : XXXX Account ID : XXXX Type : Rental Agreement Discrepancy : Missing payment updates for XXXX and XX/XX/XXXX I have attached supporting documentation to verify my claims, including payment receipts for XXXX and XX/XX/XXXX. 

Please investigate this matter and update my credit report to reflect accurate information. I request that you notify me of the resolution of this dispute within the timeline required under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely
Product: Credit reporting or other personal consumer reports

I recently have gathered a copy of my credit report because I'm interested in buying a home to start a family. I have been informed that my credit file has been used to access varies mounts of credit files. I've never had no knowledge of ANY OF THESE accounts. I would like this to be removed from my credit file IMMEDIATELY. I appreciate any and everyone involved to helping getting this resolved thank you! 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting XXXX XXXX with a date of first delinquency of XX/XX/XXXX the date I filed for Chapter XXXX bankruptcy. The account was opened XX/XX/XXXX and was never paid. Date of first delinquency must be no later than XX/XX/XXXX but more likely XX/XX/XXXX. Either way date of first delinquency is greater than 7 years and this account must be deleted.
Product: Credit reporting or other personal consumer reports

I write to dispute false information that has appeared on my credit report. I am doing so under the provisions of the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ) and FCRA Section 605B ( 15 U.S.C. 1681c-2 ). The inaccurate reporting concerns accounts : XXXX and XXXX. I request that information based on identity theft or inaccuracies be blocked from my credit report. I have attached my Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX. Knowingly reporting inaccurate information or failing to correct errors violates FCRA Section 623 ( 15 U.S.C. 1681s-2 ) and could be liable for damages. I expect the removal or blocking of the inaccurate information required by the FCRA immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureaus have provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please take a good look at the following items and remove them once the Credit Bureaus found them inaccurate as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. This CFPB Complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit bureaus accountable for your willful noncompliance.
Product: Checking or savings account

Date : XX/XX/2022 Bank : This is my second complaint about this incident. TD Bank Transaction : {$150.00} and {$200.00} were taken out of my account. I noticed that there was fraud on my checking account, and it was fully compromised. I followed all of TD bank account holding policy, meaning did not share account information, share debit card with another individual, and did not lose any of my belonging. I followed up with a claim on the day of my account being compromised, but I was just informed on XX/XX/2022 that my claim has been denied, even though I followed their policy to the maximum. 
Now after a full month, I went ahead closed my account with TD Bank and my provisional credit was taken back of {$110.00}, stating that merchant/individual provided information that I sent that money. Now my account is in a closed/frozen status with $ XXXX of balance.
Product: Credit card or prepaid card

XXXX @ CFPB - Id been a happy customer of Amex for many years, and AmEx remains one of the great pillars of the industry in my mind. My customer experience with Amex has been almost entirely first-rate, but I've unfortunately been unable to resolve my issue through customer service or the office of the executive, XXXX XXXX. 

This past summer ( 2019 ) I excitedly added the redesigned Gold Card to my wallet. As part of the advertised Welcome Bonus, after validating my first three Statement Balances collectively exceeded {$2000.00}, I expected to see XXXX reward points credited to my account. To my surprise and disappointment ( citing some buried Terms ; mostly about the exclusion of the card fee and technicalities around the dates of the promotional period ) the customer service and compliant reps I spoke to did not agree with my perspective, that the marketing of this card was deceptively incomplete in comparison to the Terms, and they declined my plea for an account credit of the welcome bonus. 

While I have since closed my Gold Card account, I am still optimistic that a reasonable reexamination of the marketing communications, as well as my account history, would show that I am operating in good faith and with a reasonable interpretation of the marketed offer. Im also hopeful that the damages from the withheld Welcome Bonus will be delivered with an apology for the misleading communication and arduous customer experience to receive merely what was promised in the advertisement ( especially after upholding my end of the spending threshold as advertised ). Any help the CFPB might provide in resolving this issue would be tremendously appreciated. 

Very Respectfully XXXX XXXX Account Ending XXXX
Product: Debt collection

The company continues to call my spouse at work after being told repeatedly that this jeopardizes his job.
Product: Credit reporting or other personal consumer reports

I sent a letter from the merchant, in this case XXXX, stating that I was a victim of fraud and that I was not responsible for the item that was turned over to collections and showing on my credit report with Equifax. The claim that they conducted an investigation and verified that this item belongs to me, despite me providing them with a letter from XXXX stating that I am not responsible. I do not believe that they conducted an investigation and that their claim is obviously false in this case. This is clear evidence that they are not conducting investigations as they claim.
Product: Student loan

I called in XX/XX/2022, to let them know that I was struggling making the month of XXXX and the month of XXXX payment. I was advised there as nothing they could do because of my debt/income ratio pass too high. My account was still on autopay therefore on XXXX {$230.00} was taken out my account. I called on XXXX to ask them to take my account off auto pay because they took part of my rent money. XX/XX/2022 required payment is {$400.00} + dollars. I expressed to them that I could not afford that payment, nor the {$230.00}. I have rent, daycare and all my other expenses to take care of. They said all they can do is push back the delinquency if I paid them {$400.00} dollars. 
I can not afford it and they call me everyday 4x a day. I feel like naivent was very helpful when the class action suit was happening but now it is back to theres nothing I can do, you have to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' KOHLS/CAPONE XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 60 Days Late 30 Days Last Reported : XXXX XXXX XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Closed or paid account/zero balance Charge Date Last Active : XXXX XXXX XXXX  Date of Last Payment : XX/XX/XXXXXXXX XXXX XXXX  Two-Year payment history Month 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  RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they a

re in VIOLATION! Under, 15 U.S Code 1681b -
Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Payment was due on XX/XX/XXXX. Beginning XX/XX/XXXX, I started receiving multiple calls. XX/XX/XXXX I received 4 calls ; XX/XX/XXXX I received 6 calls ; XX/XX/XXXX I received 9 calls and on XX/XX/XXXX I received 5 calls by XXXX. Also received two text messages within the 4 days. 
I understand they are trying to collect a payment but 24 phone calls and 2 text messages in 4 days is excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition, I, XXXX XXXX, consumer, aware that its not one law where its required to report my credit card utilization. This is officially notice to Navy Federal Credit Union to respect my privacy rights as a member, customer, and consumer to honor my request in regards of this notice to Opt out of Reporting timing of payments and Utilization. Thank you, best regards. XXXX XXXX ALL RIGHTS RESERVED XXXX XXXX
Product: Checking or savings account

Sold a car, deposited the check via mobile deposit on XXXX, the check was for {$900.00}. The check was held til XX/XX/23. 

The check has cleared but capital one has frozen my account.
Product: Checking or savings account

I made a purchase XX/XX/XXXX in the amount of {$430.00}. After contacting the merchant, I followed protocol and immediately contacted Wisely to dispute the charge. I disputed the charge as merchandise not as described. I contacted wisely verbally to initiate the dispute. Following that, I completed and submitted, in writing, the Wisely statement of dispute form. I also attached supporting documentation and evidence explaining why the merchandise or item was not as described. 
I initiated the dispute right after XXXX XX/XX/XXXXXXXX XXXX Wisely notified me and Credited my account. I was told verbally I had won the dispute. To my surprise, well over 90 days later, Wisely has reversed the credit of {$430.00}. 
The outcome of their investigation has taken far more than 90 days and its completely wrong that it puts people to financial hardship as this is done to me. Wisely has not followed regulations EFTA Reg E guidelines and laws
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my personal information and open fraudulent accounts, which also led to me acquiring un-authorized credit inquiries on my consumer reports. 

To make things worse, XXXX and Equifax duplicated some of the fraudulent accounts and reported some more than ones ( under different names, account numbers and varying balances ). In other words, instead of having one negative account reporting I would have two or in another instance three of the same account... all reporting negatively! It has been over 3 months of trying to resolve this identity theft/error reporting with XXXX and Equifax, but all to no avail. 

I have even sent them letters from collection agencies stating that they have " terminated all collection actions on those fraudulent accounts after their investigations, '' yet, XXXX and Equifax refuses to remove them off my consumer report. 

Additionally, a debt collector by name XXXX XXXX XXXX ( XXXX ) who is furnishing one of the fraudulent accounts refuses to honor/accept my FTC fraud affidavit report and has insisted on demanding that I provide them with a " police report '', which according them is " the only way they will investigate and/or remove it off my credit report ... because FTC report doesn't mean anything to them ... anybody can make a claim using FTC and they respect nor accept it ... we refuse to accept it until you provide us with a police report ''
Product: Debt collection

I was a victim of identity theft about two years ago, and since then, I've noticed debt collection accounts appear on my credit report every so often. These debts are not mine and I've been able to dispute these accounts and have them removed from my credit report. Recently, on XX/XX/2023, two debt collection accounts from COLUMBIA DEBT RECOVERY appeared on my credit report, which lowered my credit score by XXXX points. I plan on applying for a loan to purchase my first home in the next year, so the effect of these fraudulent debt collection accounts on my XXXX XXXX is distressing. 

The original creditors on these accounts are XXXX XXXX XXXX ( original balance of {$350.00} ) and XXXX XXXX ( original balance of {$150.00} ). These are both apartment rental agencies in XXXX, Texas. I have never been to XXXX, let alone shop for apartments in the area. I believe these two accounts are related to my past identity theft, and called XXXX on XX/XX/2023 to dispute these accounts. I also submit this complaint to help the dispute process.