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

On XX/XX/23, I disputed XXXXXXXX XXXX XXXXXXXX on my credit report. A few hours later, I received a notification stating this item was deleted. However it remained visible on my report. Is it humanly possible to completely verify data in a few hours after receiving it? Also, Experian blocks all previously disputed items online. How can I correct errors, if I am not given the opportunity to do so? I have been playing the reinsertion games for months. 

I made a dispute with Experian on XXXX XXXX, It was accepted. I disputed an inaccurate, unverifiable collection items. The name of the company XXXXXXXX XXXX XXXXXXXX. It was accepted with XXXX and on XXXX I received an update where it had been deleted. On XXXX the XXXX, XXXXXXXX XXXX  XXXX flagged my account as a collection. This happened with Experian, and XXXX. 

Experian sells my data to furnishers, under its umbrella company Clarity Services. How is this legal? Experian does not protect consumers, it protects the bottom line! This is unethical and absolutely unacceptable. How long will you allow this type of behavior? The credit bureaus are out of control!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

My account was frozen without explanation. I have been calling the Credit Karma bank for XXXX weeks. They continue to say check your email, or your account is in review. I have bills that need to be paid.
Product: Checking or savings account

Truist took {$2500.00} from our checking account, which created a negative balance. Truist then charged us three different overdraft fees. We started a fraud claim because we thought the withdrawal was fraudulent. We spoke with three different people and one of them researched the withdrawal and figured out that it was someone at Truist. They tried to XXXX that person but they were unavailable. The person who was helping us then went on vacation. The next person we talked to told us it was a force payment on our equity line. There is no credit to the equity line and no reason for a force payment ( we pay down our equity line every month and have since it was opened ). We have since tried to get others at Truist to fix the problem with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and multiple account were opened in my name. I reached out to Barclay Bank Delaware to inform them of this issue but they did not want to remove the account. Instead they sent it to collections. I contacted the collection agency and the collection agency did nothing either.
Product: Debt collection

This debt has been falsely added to my credit report and has negatively affected my credit.
Product: Student loan

I keep getting false notices about my loan. The payment amounts do not match and are not consistent. I have tried calling the servicer, but they do not offer any specific information. They are not helpful. The supervisors I have talked to are not helpful. They don't seem to understand the questions I am asking. I worry that my payments are being mishandled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was in the process of correcting my credit report blemishes by paying off past debts I owed to improve my overall credit rating for the future. I contacted XXXX XXXX and was informed that I was in collections for a past due amount of {$680.00} which I paid in full as shown in attachment. On my credit report they are listed as an open account XXXX and debt was settled for lesser amount which is completely false and has an impact on my overall score. This is in violation to my rights under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account closed. 
XXXX XXXX -account closed _assigned to attorney 15U.S.C. 1681 section 602 A. & section 604 s.2 15U.S.C. 1681c. ( a ) ( s ) 15U.S.C.1681 section 2 ( 2 ) ( 1 ) These are in violation of my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a fraudulent Bankruptcy on my credit file. Bankruptcy # XXXX is a fraudulent Bankruptcy that i did not open or authorized for anyone else to open. I have contacted Equifax previously about this account and they have yet to remove the public record from my credit file. They have yet to provide me with proof that I opened this account. If Equifax can not provide me with physical proof that this bankruptcy was opened by me then I would like the fraudulent account removed. This will be my last contact with them before I contact my attorney and proceed with legal action for reporting fraudulent information on my credit file and not providing me with the proof that I opened the bankruptcy.
Product: Credit reporting or other personal consumer reports

I have requested do to the consumer privacy statement and the privacy act of 1974 to remove the illegal transaction history off my consumer report as the only information they have a right to report is everyday business purposes information about your transaction and experiences to affiliates not transaction history. I have a right to opt out of information of creditworthiness. Also according to the IRS publication 4681 a charged off account is a certificate of indebtness and is consider income. Income can not be reported on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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: Debt collection

ARS Account Resolution has reported two invalid accounts to XXXX {$360.00} and {$700.00}. They have listed the original creditor as XXXX XXXX XXXX XXXX in which I have never done business with either company. This is not a valid debt and needs to immediately be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax all are reporting charge off accounts on my credit report. The IRS defines a charge off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report This now becomes an inaccurate Account which now under 15 U.S.C 1681EB which speaks on maximum accuracy of the consumer report it must bet Deleted and it is still on my file.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND TRANSUION HAS NAME AND ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. 
XXXX XXXX XXXX-NOT MINE, XXXX XXXX -NOT MINE, XXXX XXXX-NOT MINE, XXXX  XXXX  XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX  XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX  XXXX-NOT MINE XXXX  XXXX-NOT MINE Addresses : XXXX XXXX XXXX , XXXX , FL , XXXX-NOT MINE, XXXX XXXX , XXXX , FL XXXX-NOT MINE PLEASE DELETE, XXXX XXXX XXXX, XXXX XXXX , FL , XXXX-NOT MINE PLEASE DELETE, XXXX XXXX , XXXX , FL , XXXX-NOT MINE PLEASE DELETE, XXXX  XXXX , XXXX , FL , XXXX, XXXX XXXX , XXXX , FL , XXXX-NOT MINE PLEASE DELETE, XXXX XXXX , XXXX , FL , XXXX, XXXX XXXX XXXX , XXXX , FL , XXXX-NOT MINE PLEASE DELETE, ACCOUNTS : XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX  XXXX-NOT MINE PLEASE DELETE,
Product: Debt collection

THIS IS OUTRAGEOUS! I have disputed this account with you before, and thanks to your hard work and investigation, the inaccurate account was removed from my credit. Caine Weiner has since reinserted the item onto my credit. THIS IS A VIOLATION OF THE LAW! PLEASE HELP ME!
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX - XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$0.00}
Product: Debt collection

Amount claimed owned : 2018 $ I have called DNF Associates over 20x in the last 2 yrs since seeing the collections account on my credit report. Never received any correspondence, not email, phone call or mail about it. 

I have called, emailed, and hand written letters once a month for two years with zero response. 

Have disputed the collections multiple times
Product: Debt collection

Spoke to this representative and a letter was sent to the bureaus to remove this item from my credit and its still on my report This item should be removed from my report and the bureaus still reporting this collection account as valid.
Product: Credit card

Chase agreed to settle the balance which I paid on my account was current on XXXX 2015 they report charge off instead paid in settlement. 
law states account must be 180 days before charge off. On XXXX XXXX,2015 chase sent to collection agency XXXX XXXX Ref. XXXX to collect the debit but collecting agency closed the case on XXXX/XXXX/15 send back to chase they stated this account unlawfully charge off. Chase want it damage my good credit profile.
Product: Credit reporting or other personal consumer reports

Hello, I would like to initiate an investigation into these accounts as there appears to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my knowledge. I was not notified of their reinstatement, nor have I received any correspondence about this matter by mail.
Product: Credit card or prepaid card

Ordered my TN unemployment card XX/XX/2020 and still havent received it in the mail
Product: Debt collection

I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX of Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from XXXX needed as my debts with XXXX were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach XXXX recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the Office of Attorney General, Commonwealth of Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : XXXX no longer has a legal right to collect under restrictive guidelines in the Commonwealth of Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, XXXX had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as XXXX XXXX XXXX XXXX and a debt collector named Monarch Recovery Management , Inc . 
Monarch XXXX Management , XXXX, claims that they are collecting a debt on behalf of a debt buyer named XXXX XXXX XXXX XXXX. There is no historical connection of a purchase of any debts from XXXX, XXXX, and my information was obtained by an illegal debt pooling process XXXX uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as Monarch Recovery Management , Inc . 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the millions of dollars. I demand that my files must be purged by XXXX, XXXX XXXX XXXX XXXX and Monarch Recovery Management , Inc. permanently. A follow up complaint will be submitted to the Office of Attorney General, Commonwealth of Pennsylvania within 30-days if I do not receive a purge letter from all three entities.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I've contacted, by phone, Experian, XXXX and XXXX to update my new address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and remove a NON-MAILABLE address of XXXX XXXX  XXXX XXXX, XXXX, FL XXXX. Experian verbally said they will not apply the changes.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ Bank XXXX XXXX ACCT : XXXX, XXXX ACCT : XXXX, XXXX XXXX XXXX ( DEBT COLLECTOR ON BEHALF OF XXXX ) ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : * FTC Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Copy of Credit Report * Fair Credit Reporting Act Section 605B
Product: Mortgage

I have a loan with PNC BANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and XXXX  and PNC BANK with no successful resolution. XXXX XXXX and XXXX only reporting me late. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached letters that show all errors or fraudulent accounts appearing on my credit.
Product: Mortgage

My husband and I moved into our home in XXXX XXXX. We received a loan for {$63000.00}. Today my WellsFargo Mortgage is at {$40000.00} with an interest rate of 4.75 % and has a maturity date of XXXX XXXX, XXXX. I pay {$590.00} per month. I was diagnosed with XXXX in XX/XX/XXXX and was not working often due to XXXX and the XXXX so I had to get my loan modified so that I would not lose my house, but I thought my overdue balance was being added to the end of my loan and my interest rate was being lowered but it seems like I 'm being robbed. It seems like the amount I pay back will be a tremendous amount over what I should be paying back on this {$63000.00} loan. I feel like WellsFargo is robbing me could you please help me out and tell me if this right.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 Equifax 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: Checking or savings account

I've had a capital one 360 savings and checking for several years
Product: Credit reporting or other personal consumer reports

I keep disputing the derogatory account XXXX that was paid off XX/XX/XXXX. And the XXXX account with XXXX that is the same debt that shows opened recently. I have disputed multiple times with XXXX and TransUnion but they keep saying they verified the debt which is impossible because they would know that XXXX is paid off and XXXX has no right to be reporting a paid off account. They are also allowing double reporting for one debt and allowing XXXX to report an account as opened in XXXX that is also the same XXXX account from XXXX that was paid.
Product: Credit card

I purchased an airline ticket with XXXX XXXX on XXXX XXXX. Along with the cost of the ticket itself, there were charges for ancillary services associated with the air ticket. ( See attached AMEX Statement 1 ) Within the time period provided by XXXX XXXX for cancellation and refund ( 24 hours, if I recall ), I cancelled the reservation. XXXX XXXX explained they were refunding all of the charges. Over the following days, XX/XX/XXXX-XX/XX/XXXX, credits for the flight were issued. ( See attached AMEX Statement 1 ) This attachment shows XXXX charges associated with the original ticket purchase and XXXX credits posted to the account in equal sums. 

As of this date, XXXX XXXX, there was a charge posted to my current billing statement posted to my American Express card for one of the charges associated with the ticket. ( See attached AMEX Statement 2, see {$190.00} XXXX XXXX charge. ) In speaking with XXXX XXXX, they are not able to look up receipts for tickets issued longer than 14 days previous. They were not able to explain what the charge appeared, despite my explanation that the charge was posted now, not in XX/XX/XXXX. They are filing a request for the receipt which will come within 14 days. 

In speaking with American Express, they find XXXX charges on my account associated with the original ticket. XXXX of these charges is for the {$190.00} authorized on XXXX XXXX, but posted on XXXX XXXX. However, they find XXXX credits associated with refunding the original ticket. Their assumption is that XXXX issued all of the credits, but not all of the charges. They assume XXXX realized the error and issued the {$190.00} charge in XXXX based upon a XX/XX/XXXX authorization. 

If this is the case, then I will also be seeing a sixth charge posted to my account in the coming months should XXXX realize the error. This sixth charge, the largest of {$970.00}, already appears on my account statement. American Express representatives explained they do not find this charge on my account. Therefore, it remains unclear if this charge has or has not been posted by XXXX XXXX to my account. 

I would like to know if there is any obligation on the part of the vendor to post charges in a timely manner, based upon the authorization date. 

What seems the error of XXXX XXXX is causing great difficulty as the XXXX charges should have already been posted and refunded. As you might imagine, news that the charges are appearing in XXXX from an error in XXXX severely complicates my monthly financial budget. 

It seems that there should be a fair and reasonable window for vendors to post a charge that is reasonably within the authorization date. It is not intuitively fair that the reconciliation calendar of XXXX XXXX accounts should so heavily burden my own monthly billing.