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

On XX/XX/2022, I sent letter to XXXX and TransUnion to remove an inaccurate account on my credit report from XXXX # XXXX for violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Also, on XX/XX/2022 I sent letter to XXXX XXXX XXXX this inaccurate account on my credit report, but they stated it was sold to XXXX XXXX XXXX I then sent XXXX XXXX a letter on XX/XX/2022 and they stated they no longer attempt to collect. MY QUESTION NOW IS " WHO OWN THIS ACCOUNT and WHY XXXX XXXXXXXX, TRANSUNION CONTINUES XXXX REPORT IT ON MY CREDIT REPORT ''. If XXXX sold the account to XXXX XXXX, then XXXX no longer owns the account. So if XXXX XXXX is new owner of this account and they no longer attempt to collect THEN REMOVE THIS FRUAD ACCOUNT FROM MY CREDIT REPORT ASAP.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with ThXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt or credit management

I am XXXX XXXX. I was a Lexington Law purchaser from XXXX and XXXXXXXX 

I never received any compensation. I should have definitely been identified as the company did nothing to assist me.
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/2016 Balance {$270000.00}.
Product: Credit card

i originally had an orchard bank secured credit card for more than a year. they returned my held funds after i paid it off all the time. capital bank bought them out and sent me a new card. they NEVER mailed me a statement or ANY notice of interest accruing. i used the card only for gas and i continued to pay it every month, trying to estimate what i had spent on gas by what my orchard card used to be. i finally called them and said i had not been recieving any bills and told them what i told you. i said to eliminate any interest and i would gladly pay the rest. they said they understood. then they mailed me a letter that said my story was not true and i owed them LOTS of money due to the interest they had NEVER given me notification of. i would like to pay off anything i actually owe LESS any interest. immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate and misleading information being reported on my credit report by XXXX. Specifically, I am addressing issues with a XXXX XXXX  account that is reporting in violation of credit reporting regulations. The following inaccuracies are causing significant harm to my credit score, and I am requesting immediate action to correct or remove these entries. 

XXXX. Re-aged Account XXXX XXXX XXXX  account is being reported with a re-aged date, which is a violation of credit reporting standards. This account should reflect its original date of delinquency and not a re-aged or altered date. This deliberate misrepresentation is harmful to my credit profile, and I demand the immediate removal of the re-aged date. 

2. Balance on Closed Account XXXX XXXX XXXX  account is also showing a balance despite being closed. A closed account should not reflect any outstanding balance. This inaccurate information is misleading and must be corrected immediately by removing the balance reported on this account. 

XXXX. Account Showing as Over the Limit The same account is incorrectly reporting as over the credit limit, despite being closed. A closed account should not be subject to over-limit reporting, and this misrepresentation of the accounts status is not only misleading but also unlawful. 

These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and complete. The continued presence of these errors is damaging my credit score and may have broader implications on my financial well-being. 

I request that XXXX immediately investigate and correct the reporting of this XXXXXXXX XXXX account. The re-aged date must be removed, the balance on the closed account must be eliminated, and the over-limit status must be corrected to accurately reflect the closed status of the account. If XXXX is unable to correct these inaccuracies, I request that they be removed entirely from my credit report. 

Please acknowledge receipt of this complaint and confirm the actions taken to resolve these issues. I trust that the CFPB will assist in ensuring that my credit report accurately reflects my financial history and that these discrepancies are resolved promptly. 

Thank you for your attention to this matter. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report shows hard inquiry since XXXX  which should be removed from my report by now My Experian score is frozen on XXXX score and never grow I need full detailed explanation for why my score is never go up however I use 30 % of my credit limit and always pay on time I need a full explanation as because of that Im not able to get approved for conventional Mortgage and Im stuck with an FHA loan that is refused by all sellers I need To know what is the error and why my score is frozen on XXXX score even my payment history is great.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting XXXX XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX account # 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 602 A section 2 : it also stated that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts in collections from original creditors XXXX now reporting from Enhanced Creditors Company. It has an open balance of {$350.00} and is reporting to XXXX. I have tried numerous attempts to remove. I have contacted original creditors XXXX, but nothing has been done about this. This account does not belong to me. I've explained on several occasions that this account does not belong to me and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

CAPITAL ONE AUTO FINAN XXXX Balance {$0.00} CAPITAL ONE BANK USA N XXXX Balance {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit report from Experian and noticed that they had the incorrect address listed as my mailing address. I submitted a dispute or tried to submit a dispute and was told the " updated '' address that Experian has on my credit report is linked to my creditor or one of my creditors and that i must contact them diectly, so I did. I only have one only currently one open creditor so I called them and they did not identify with address that Experian put on my credit report either. So, I tried filing the address dispute online and Experian told me they resolved my dispute and I had to contact them at XXXX. When I called the number a representative was extremely short with me and was trying to end the cal as it was XXXX XXXX  right before closing. The representative told me that I can not change my own address back to my actual address due to the address being linked to one of my creditors. I am at a loss of what to do in this situation. I have had a freeze on my account for a number of consecutive years now due to severe I'd theft. However, I don't know if this is fraud or not. The consumer reporting agency will not give me any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is leaving this on purpose I have had to dispute this like ten times because there are several different reasons it shouldn't be in my report one being the name on the account isn't even my name so that is an error and has to be taken off my report second the amount is totally bogus this was settled in a court if law and then give months later bam it just shows up at XXXX on my credit report and it was settled in court we had an agreement next the amount is wrong I didn't owe {$26000.00} even when I owed money to anyone so that XXXX XXXX and the company saying I owe them agreed to settle this with me back in XX/XX/2022 and now they just throw this up on my credit report after we came to an agreement and I moved out and trans union keeps telling me they investigate it and they don't cuz it f they did it wouldn't have in accurate information on my report that is effecting me getting student loans and a house loan my credit is near perfect besides this horrendous collection amount that's been in there for XXXX months now and shouldn't be
Product: Credit reporting, credit repair services, 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 Account name : XXXX XXXX XXXX XXXX Account name : XXXX  # 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 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8900.00}, {$23000.00}, {$11000.00}, {$0.00}, {$6900.00}, {$6400.00}, {$6100.00}, {$2200.00}, {$5700.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Debt collection

I received a letter from Convergent stating I owe a debt and must repond/dispute in 30 days or they assume it is valid. The debt is time-barred so I responded with a certified letter and regular letter disputing the debt. Two weeks later Convergent mails me stating they are not handling the account any longer. One week later XXXX XXXX XXXX XXXX sends me a letter stating I owe a debt of the same sum and that I have 30 days to respond or they assume it is valid. Where does this end?
Product: Money transfer, virtual currency, or money service

I was looking to purchase concert tickets and was provided with an email address to send money via PayPal. Originally, I thought I provided PayPal with the wrong email address but it was correct. 

On XX/XX/XXXX I sent {$350.00} to XXXX XXXX at XXXX via PayPal. The XXXX ID is XXXX. The tickets should have appeared in my XXXX account within XXXX hours. When they did not show, I contacted XXXX XXXX and I was immediately blocked. I then contacted PayPal on XX/XX/XXXX via their dispute center ( Case ID : XXXX ). I informed them that the site indicated the following " The recipient has not yet received the money. Your recipient should have the money by XX/XX/XXXX. '' Therefore I told them, I need to cancel this before XX/XX/XXXX as it was only XX/XX/XXXX and I was not given any option to cancel myself. They did not do this. I gave them further information on other dates. On XX/XX/XXXX they said " This case was closed in the seller 's favor. '' I was not given any option to dispute their decision even though they tell you on their site that you can. I notified my bank on XX/XX/XXXX to not allow any payments to go through to PayPal. I will attach all the documentation I have with PayPal. 

My account did not allow the payment to go through on XX/XX/XXXX and now PayPal says I owe them {$350.00}. {$350.00} plus {$4.00} for PayPal 's fee. They then had a collection agency call me to which I explained all of the above. They have not called back but I do not want this to effect my excellent credit rating. 

It appears PayPal has a lot of unsavory practices, even on your site. I hope that you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with this fair credit reporting act XXXX XXXX # XXXX has violated my rights. 

15 US C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I recently made a payment error to my Bank of America ( BofA ) mortgage account due to XXXX. I mistakenly paid from my old XXXX XXXX account instead of my new XXXX account. Upon realizing the error, I promptly notified BofA and made the payment over the phone, requesting that they make note of the situation. 

However, BofA is now refusing to accept electronic payments for the next year and insists on cashier 's checks to be overnighted for the next 12 payments. This poses a significant financial and logistical burden, especially given my current XXXX  issues. Despite offering to pay via wire or ACH transfer, BofA insists on cashier 's checks only. They will not accept in-person payment at a BofA branch XXXX Therefore, they are asking me to drive 2 hours away to my closest XXXX XXXX branch ( depending upon when the official transition of my particular account occurs ), then travel to a XXXX  or XXXX XXXX pay a {$120.00}. fee to overnight the check, and an additional unknown fee to insure it. I will somehow need to do this despite having a serious illness that prevents me from driving from time to time. BofA is telling me that I need to do this not one time, but each month for the next year. On top of this, they will be adding late fees, if something happens. 

While I acknowledge my mistake, I rectified it promptly and responsibly. It's not uncommon to overlook details when dealing with illness. BofA 's refusal to accommodate alternative payment methods, despite acknowledging my efforts to correct the error, is unreasonable. 

Moreover, my primary bank changed due to XXXX XXXX being acquired by XXXX, which should have been anticipated and considered by BofA. XXXX XXXX 's acquisition and the policy changes and account changes directly relates to the cause of my mistake. BofA has all of this information. BofA 's inflexibility creates unnecessary, expensive and unreasonable obstacles for me and likely others in similar situations. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and compel BofA to reconsider its stance, especially given the recorded call evidence of my proactive efforts to resolve the issue. I want all fees and indirect costs associated with this reimbursed.
Product: Checking or savings account

Would like to connect my account to XXXX and PNC is blocking.