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

previously distributed XXXX  XXXX/ XXXX revolving credit account date open XX/XX/XXXX with a balance of {$1600.00}. results came back stating account previously in Dispute no resolved reported by data furniture to be use for FCRA dispute by Experian. XXXX XXXX is reporting dispute resolved reported by grantor. I strongly disagree with results. Account is factually reporting incorrect. Date of last payment reported as XX/XX/XXXX by XXXX XXXX and Experian while XXXX reported XX/XX/XXXX. Payment history reported perfect payments by XXXX while experian reported consecutive charge off as if it was some sort of payment method.. date of last payment for XXXX was XX/XX/XXXX making no sense with what payment history was reporting. after I disputed account for factual, inaccuracies account came back with updates not only on date last active but also XXXX removed all payment history and replaced OK as agreed with consecutive charge off deleting date of last payment, showing no data whatsoever. Theres no way that you can report account with missing data and incorrect information. This is not acceptable information can not be deleted and replace as pleas.
Product: Mortgage

The lender, J.G. Wentworth Mortgage, continues to owe me an escrow refund of {$250.00}. This lender initially owed me {$1400.00} and committed to pay in their company letterhead dated XX/XX/XXXX. However, they have only paid {$1100.00} shorting {$250.00}. Written request dated XX/XX/XXXX and XX/XX/XXXX were sent to J.G. Wentworth Executive team, attention XXXX XXXX, and phone calls were made seeking for the balance amount. However, J.G. Wentworth is not responding.
Product: Credit card or prepaid card

I am filing a grievance against Discover credit card for not resolving a dispute with XXXX in my favor. On XX/XX/19, I purchased a XXXX laptop from XXXX, for {$710.00}. I requested a secure, signature required delivery. On the day of delivery I was at work, 50 miles from home. According to XXXX, they dropped the delivery in the building lobby which is unsecured with more than 40 appt units. XXXX left the package with no Signature required. When I came home, the package no longer was there. The next day I filed a police report and tried to address the issue with XXXX and Discover/cc. They both are blattantly lying that the " package was delivered ''. But if the package was dropped in the building lobby, I am telling you that I do not live in the lobby neither the lobby belongs to me and even more- on the given day I was not home. Discover has not resolved the despute in my favor.
Product: Debt collection

Frontline Asset Strategies has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2023 in the amount of {$830.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX  before in my life.
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 # 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 or other personal consumer reports

I retired from USPS in XX/XX/202. I used my annual and sick time that I accrued before retirement. Now you are attaching a debt to y pension, and credit bureaus in which there was no explanation for debt that you are accusing me of. Please take this off my credit report. Dept of Treasury
Product: Checking or savings account

XX/XX/year> requested a wire transfer to XXXX XXXX. Bank manager denied. Would not give a reason. I spent from XXXX XXXX to XXXXXXXX XXXX trying to figure out why my account was frozen, would not allow grocery purchase. Im a XXXX XXXXXXXX woman and was discriminated against because of this. BMO in XXXX Illinois XXXX is predominantly XXXX and XXXX population. The bank manager is XXXX. I can nit speak XXXX.. i was asked many inappropriate questions thst had no bearing on my transaction. I was told the bank can refuse a transaction for any reason. She did not tell XXXX she was freezing my accounts, business and personal nor that a fraud inquiry had been placed. I made several calls that day and since. My accounts still frozen. She also violated XXXX when i had to call an ambulance for an XXXX XXXX and asked which hospital!
Product: Debt collection

I have been contacted by this company ( XXXX XXXX XXXX XXXX ) XXXX times now using a different debt collector each time. When I call and explain to the debt collector that I have never used this company for any transaction of any kind they take my info and I never hear back from them. This current debt collector EOS CCA XXXX XXXX XXXX XXXX, MA XXXX is just another pawn in XXXX XXXX XXXX XXXX 's collection placement scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some charge off and collection accounts paid and deleted for the year of 2023. I dont see any improvement in my scores for the three bureaus and feel that this needs to be looked at by another set of eyes from XXXX until now. I dont feel my scores are correct.
Product: Debt collection

I am a XXXX alumni of class of XXXX, In spring of XXXX ( XX/XX/XXXX ) I was contacted via phone call by a financial aid administrator from UC XXXX to consolidate my student loans and initiated an Income Driven Repayment plan. In XX/XX/XXXX I receive a single letter and collection agency notice from a debt collector, Coast Professional Inc for an account from XXXX XXXX. Given that I had not received any calls or other notifications I quickly believed that it was a spam letter or scam. I called the agency and did not get my calls attended or my voicemails. 

I later received a call from the agency that the case had been dropped. However I received quite the scare that I could have been in a situation of defaulting on my loans and dealing with a collection agency. There should have been greater communication on behalf of XXXX XXXX on the course of action they planned to take prior to having the collect agency writing me a letter. Also as a recent college graduate I have no familiarity with my rights and the actions universities take with student loans. Two years  later I am a little more familiar with managing my student loans but feel a heavy distrust with my university and loan providers. No one should ever have to find themselves with a single threatening letter and the uncertainty if it is a scam or true practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WYOMING XXXX  This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed: XXXX XXXX  XXXX XXXX XXXX MD XXXXXXXX XXXX Made by: XXXX XXXX XXXX XXXX XXXX, MD XXXX(XXXX XXXX  I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I realized I never received a check for my security deposit from moving out of my apartment in XX/XX/2022. I reached out to my building manger, who informed me 'the office ' had issued me a check in XXXX and it had been cashed on XX/XX/XXXX. My building manager sent me a copy of the cashed check. It had a signature that was not mine and a Nevada DL # written on it that also does not belong to me ( I have a California ID ). The bank called the managing office, spoke to someone named XXXX who confirmed they had written a check of that amount to XXXX XXXX. The bank is claiming they did 'due diligence ' in confirming this transaction and are not responsible. I am suspicious the ID used was fake, and feel that should've been caught by them. The bank is First Republic Bank XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( This is the bank the check was issued from and also the bank where the check was accepted for cash ) My building management is only known to me by " XXXX XXXX XXXX XXXX ''
Product: Credit card

I have an Apple credit card and XXXX Apple XXXX XXXXs blocked.Every time Someone says they need to verify my new phone number and device, they say they will call me, but the phone calls never come. They are telling me that my new number isnt associated with my Apple XXXX. However my carrier has verified that my number is active and verified. They keep coming up with reasons as to why my account is blocked, but they are not helping me resolve the matter. I personally believe that because my name is a XXXX name and my voice is XXXX, they think Im an imposter. However I am XXXXOne individual made it obvious that he didnt believe that XXXX is my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to initiate a formal legal dispute regarding the erroneous reporting of collection accounts on my credit report, which is in direct contravention of the Fair Credit Reporting Act ( FCRA ), specifically under Sections 611 and 623. These statutory provisions mandate the re-investigation of disputed information and the accuracy and integrity of the information furnished. 

Erroneously Reported Account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Per Sections 611 and 623 of the FCRA, I demand a thorough and expedited re-investigation of the aforementioned entries and insist on the correction or deletion of these inaccuracies from my credit report. Should these entries be verified as inaccurate, it is your responsibility to rectify such information promptly. 

Please be advised that failure to address these errors satisfactorily and expediently may be viewed as willful non-compliance with the FCRA, thereby subjecting you to potential legal action.

I request immediate rectification of these inaccuracies either by removing or correcting the disputed collection entries. I further demand written confirmation of the changes made to my credit report upon the conclusion of this matter.

I expect your immediate and thorough response to this dispute within the statutory 30-day period as required by the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus on XX/XX/XXXX. In my letter, I identified 5 accounts that were reporting erroneous information, and asked the credit bureaus to correct those items. It is my understanding that the credit bureaus are required to investigate the disputed accounts and respond with the results inside of 30 days. I have not received a response from any of them. Today is XX/XX/XXXX, and that is 40 days since my letters were mailed. I am going to attach a copy of the letter that was sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Complaint last XX/XX/2022 requesting that you need to make an investigation regarding to the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX XXXX : {$0.00}
Product: Debt collection

This 3rd Party Collection is on my credit for an account I never had.
Product: Checking or savings account

I received a targeted flyer in XXXX XXXX to open a checking account with a {$200.00} promotional cash offer, which will be awarded within 30 calendar days of meeting the required activities. The required activities were XXXX ) making a minimum of 2 direct deposits within 60 days of account opening, XXXX ) the total amount of direct deposits must be a minimum of {$1500.00}, XXXX ) the account must be kept open for XXXX calendar days after the {$200.00} credit has been awarded, otherwise CitiBank , N.A . has the right to redeem a portion of the {$200.00} credit. The flyer was sent to me via mail and the deadline to open the account was XX/XX/XXXX. I opened the account on XX/XX/XXXX online at approximately XXXX XXXX  and received and email at XXXX XXXX, which stated my account has been opened. 

On XX/XX/XXXX, I called the customer service number to : XXXX ) confirm that the account has been opened with the promotional code, XXXX ) confirmed the eligibility requirements in order to obtain the {$200.00} promotional cash offer, and XXXX ) that the customer service representative notated it in their records that I indeed created the account with the promotional code. 

On XX/XX/XXXX, I called the customer service number and inquired about the promotion, since I fulfilled the requirements in XX/XX/XXXX. Therefore, I should have been awarded the {$200.00} promotional cash offer within 30 calendar days, which would be in XX/XX/XXXX. The representative said that they checked with their account opening department twice and there was no promotional code applied to the account. They said if I was able to find the promotional code, then they would be able to apply the code and honor the {$200.00} cash offer. 

In XXXX my regret, I did not take a photo or keep a record of the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to get a personal loan through my bank. I was declined due to bad credit. When we reviewed the credit report we saw that the company Experian had my credit report and my fathers credit report mixed up. We have the same name but different middle initials. Obviously we have different Date of Births, different SS #. I have tried with my bank multiple times to have Experian correct this but they have done nothing thus far. When I spoke to them on the phone last week they said everything had been corrected. A week later ( TODAY ) I called and they said that it took 72 hours to process. It has been a week. So it would have processed. They said that the paperwork would be at my house in 8 days. But I could go on the Experian website and print my new credit report out. When I went to do that I discovered that my credit score had dropped 200 POINTS ( IN A WEEK ). Also noticed that everything that they said they were taking off and correcting on my credit report had been unchanged and was still showing up. This is effecting my life dramatically and all I want is for them to fix this issue. Which is obviously incorrect. I was born in XX/XX/XXXX and the report says I was born in XX/XX/XXXX? I live in XXXX XX/XX/XXXX and it says I live in XXXX. Everytime I call Experian I get transferred from department to department. I always end up spending at least an hour on the phone and they never accomplish anything. I do not understand how this company is at all still reputable. Please help
Product: Debt collection

Following a thorough examination of my recent credit report, I discovered numerous accounts that I think are erroneous and were included without my knowledge.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a formal dispute letter was sent to TransUnion requesting correction of the name listed on the credit report to the legal name, removal of all incorrect previous address listings, and updating to the current address. Supporting documentation like a birth certificate and utility bill were provided. 
On XX/XX/year>, a notice of fault was issued stating TransUnion failed to make the requested name and address corrections despite the previous letter and documentation. 
TransUnion sent a letter on XX/XX/year> requesting submission of XXXX documents proving the current mailing address before they could update the address on file. 
On XX/XX/year>, a notice of default was sent giving TransUnion 14 days to update the current address solely to the provided one and remove all other previous addresses listed, which were stated to be inaccurate. Additional documentation like utility bills and IDs were included again as proof of residency.
Product: Money transfer, virtual currency, or money service

PayPal is refusing to close my account in violation of its terms of service. 

From https : //www.paypal.com/us/webapps/mpp/ua/useragreement-full " By continuing to use our services after any changes to this user agreement or any of the other applicable terms, agreements, or policies, you agree to abide and be bound by those changes. If you do not agree with any changes to this user agreement, you may close your account. '' PayPal has changed its policy to fine {$2500.00} its customers for doing business with people PayPal unilaterally decides to be spreading " misinformation. '' I do not agree with this change. Therefore, I am entitled to immediately close my account without any conditions as per the PayPal terms.
Product: Bank account or service

In XX/XX/XXXX, I realized I was no longer able to work, my condition had grown worse. In XXXX, I applied for Social Security XXXX Insurance, and in XXXX I applied for Credit Protection Services for my Bank of America Visa Card. Unbelievably, XXXX was easier to obtain. BoA started making frequent collection calls as I fell behind, but, no one could tell me what happened to my application or status for Credit Protection. BoA started making monthly negative credit reports on my account and closed my account, despite my request to keep it open while ( I thought ) my application for Credit Protection was processed. 
I was awarded XXXX XXXX. Once I started to receive monthly income, I started trying to make on time payments to BoA for my Visa account. BoA continued to make negative monthly reports, and frequently would change the date late payments were posted. My credit score plummeted. I could not even buy a bed to help my back. No one would tell me why I was not covered under the Credit Protection Service. In XXXX XX/XX/XXXX, I was able to make my last payment to BoA and $ XXXX my debt. To my surprise, BoA never posted the account was paid off, but, instead started posting that my account was overdue, 30, 60, 90 + days, when it was paid off. Then, for reasons I do not know, BoA offers to allow me to re-request Credit Protection Services, in XXXX. I completed the application with doctor 's signature. I also included my XXXX award letter, XXXX XXXX IME 's and proof that I was trying to work in XXXX XX/XX/XXXX. This time, BoA awarded my Credit Protection Services, and sent me XXXX letters, on accepting my XXXX start date and XXXX denying a XXXX start date, which was fine. I also received a check for {$910.00} for fees, which is great. 
However, no corrections have been posted to any Credit Agency to update and improve my credit scores. My credit is still very low, directly due to the negative reporting and lack of positive reporting by BoA. I have missed out on houses on the market to try to lower my monthly expenses and can not get any credit until these years of BoA 's bad credit reporting are fixed. 
I have documents but can not upload from my home.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Reporting on Credit Report To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate information reported on my credit report by : 1. XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) and 2. WESTLAKE FINANCIAL SVCS XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. XXXX 4. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX The information in question pertains to a charge-off that has been included on my credit report without legal basis. 

Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt. The absence of such documentation raises concerns about the legality of the reported charge-off. 

The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies. 

Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Trans-union multiple times to fix the wrong addresses and phone numbers listed on my credit report. The agent tells me to write a letter which i did a year ago, then told me to send in information, I've done that. My bank said it is NOT my responsibility to provide information they should know. This is fraud because i have tried to rectify this issue. 

This is messing up buying a house & credit cards i apply for.
Product: Credit reporting

I have been trying to get my the results of my credit investigations from Equifax since early XXXX. I have written several follow-up letters, and filed complaints, but I still have n't receiveced it. I just do n't understand why Equifax can not or will not send me the results of my credit investgations.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The credit bureau are reporting XXXX fraudulent collections where my identity was stolen. I have my police report and I am sending in the documentation