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

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 90 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Product: Payday loan, title loan, or personal loan

Advance Financial 24/7 is a predatory lending company. My loan has a 360 % interest rate. In the beginning, your payments go towards the principal but after a few months, I noticed the balance never went down. I called to find out my payoff after I realized the balance hadnt gone down in about 5 months. I was told {$800.00}. I said I would call back in 2 weeks to pay it off and when I did, the amount changed to {$15000.00}. At the end, my original loan was XXXX. I ended up paying a total of {$4400.00}. This company is a scam. No one should be allowed to charge almost 4 times the original balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Ability Recovery # D96828, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Money transfers

I paid someone through Google Wallet for my monthly parking spot. They rejected my payment ; told me my account was closed and then took my {$320.00} and did not refund the transaction or send the money to the recipient.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information under FCRA Request for Deletion To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe the accounts listed below are inaccurate or unverifiable and are causing harm to my credit profile. 

The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA, XXXX reporting agencies are required to maintain accurate and verifiable records. I am requesting a thorough investigation into the accuracy of these accounts. If the information can not be verified, I kindly request that the accounts be deleted from my credit file in accordance with the FCRA. 

Additionally, under XXXX XXXX. XXXX, a credit reporting agency XXXX be held liable for negligence if it fails to uphold its duty to report accurate information. I trust that your agency will handle this matter with the utmost attention to avoid further complications. 

I have included copies of my identification, proof of address, and any relevant supporting documents to assist with your investigation. Please conduct your review and provide me with written confirmation of the results of your investigation. 

If these accounts can not be verified or are deemed inaccurate, I request their immediate deletion from my credit report. Please respond within 30 days as required under the FCRA.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX is breaking the consumer law pertaining to XXXX XXXX Account # XXXX Ive uploaded documents I need this corrected immediately and this is a violation Ive lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.
Product: Checking or savings account

I, XXXX XXXX XXXX, do not agree with the resolution of the claims that I submitted to Citibank for unauthorized transactions on my account on with my debit card that is in my possession locked in my room drawer. 

The reason for my appeal is that I am a XXXX senior citizen that has been in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX. Washington, XXXX XXXX facility did not allow food or drink to be delivered to the residents at any time. XXXX XXXX also did not allow the Seniors to leave the facility at any time, except to go to XXXX appointments in the XXXX XXXX. 

I filed the below fraud cases with Citibank. Please investigate ; CITIBANK Fraud case ref # XXXX for XXXX transaction equaling {$710.00} CITIBANK XXXX case ref # XXXX for XXXX transactions equaling {$1400.00} There is no way any XXXX XXXX or XXXXXXXX XXXX could be used during the periods in question. The Citibank representative informed me that Citibank put the funds back on my account and then took the funds back out of my account stating " Citibank did not have enough information to find out who defrauded me. '' If this is true, then why would my own banking institution allow me to be frauded by anyone and NOT support me after I have trusted Citibank with my retirement funds that I use to pay my monthly mortgage, utilities and living expenses now that I am back home from the facility. 

I have lost faith in Citibank as my Financial institution because of this. For these reasons I request this action be investigated and reversed because this is an unjust decision, and I should not be victimized twice by my own financial institution that is supposed to aid me and protect me and my retirement funds.
Product: Credit reporting

I have been going back and forth with Experian the past year trying to get my report fixed and reading correctly. I am finally satisfied and when I spoke to a loan officer found they had a notation that I " disputed '' several accounts. I wrote them AGAIN and asked them to fix that, I clearly wrote I do not dispute the accounts. They responded by sending me a letter saying what I sent them was suspicious. What are they talking about? Why is every time I deal with these people like pulling teeth??
Product: Debt collection

This is an account from Synchrony bank Care Credit. I have given written requests and letters to the bureaus stating i did not authorize this company to pull my report nor make an account now or ever. The account was removed in early XXXX, now is showing up again. This is an FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. I did not apply for this
Product: Checking or savings account

I receive benefits for XXXX on a monthly basis and I have benen a customer of XXXX  with my financial institute. As explained and documented, I am a victim of stalking and identity theft which has been reported and investigated by law enforcement ; although confirmed and communicated with my institution ; protection from my account being controlled, intetcepted, of accommadated by the bank has not been provided. My account has been locked, the inability to transfer funds has been placed on the account, measures to view or secure my account is being prevented, access to such needed funds that I use for my monthly neccessities have been prevented from being retrieved. The bank is refusing to acknowledge the circumstances and they refuse to remove restrictions while hendering my ability to make further transactions on the account.
Product: Checking or savings account

Bank of America has devised an elaborate scheme to illegally charge its customers overdraft fees. It moves transactions around that happened the day before to the next day to better fit the scheme and illegally charge as many overdraft fees as possible.
Product: Credit reporting

I disputed an account on my XXXX and Equifax credit reports that I believe is invalid or possibly the result of prior identity theft. 

The account was deleted, but then was re-added by another debt collection company who modified the date to re-age the debt so that it would appear as a recent debt causing more damage to my credit score and prolong the duration that it would appear on my credit report. 

The invalid account is listed as {$110.00} owed to XXXX XXXX XXXX XXXX, account # XXXX, opened on XXXX/XXXX/2015. 

I disputed this account a second time with the assistance of the Consumer Financial Protection Bureau and the Colorado Attorney General 's Office. The debt collector stated that they believed the debt to be valid, but would have to deleted from my credit report while the investigation is ongoing. 

As of today, this invalid information is still on my credit report. I have attached the letter from the debt collector stating that they have requested the credit bureau to delete this account. 

I am asking that the credit bureau act promptly on this delete request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information. FORD MOTOR CREDIT CORPORATION/XXXX FORD CREDIT replied to CFPB Complaint Number XXXX, but was noncompliant to the requested documentation per the Cease and Desist in which they received on XX/XX/2021. FORD CREDIT failed to provide documentary evidence to prove that they had any legal right to initiate this fraudulent transaction pursuant to the FDCPA. Thier Failure to produce this documentation is a violation to my consumer right to validate this fraudulent transaction, which I the consumer DID NOT authorize or consent ; no consent is identity theft. 

FORD CREDIT provided false and misleading information by stating " the disputed inquiry does not appear on your credit report at this time ''. The attached exhibit titled " Experian Consumer report Reflecting FORD Inquiry clearly displays the inquiry on mt consumer credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debXXXX XXXX XXXX XXXXXXXX *** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX  XXXX *** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXXXXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an inquiry from capital bank and from XXXX XXXX thats not authorized
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with LVNV FUNDING LLC company I believe the original creditor XXXX  XXXXXXXX XXXX XXXX XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Debt collection

US Bank is still calling me several times a day. I have filed bankruptcy and my lawyer said I do not have to talk to them at all. They call and send letters
Product: Credit reporting or other personal consumer reports

Upon recently checking my credit report, I have noticed my inquires and late payments I have no knowledge of, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX  Late Payments from XX/XX/XXXX. Please remove the inquires and late payments from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account was in forbearance from XXXX to XXXX of 2021. The person handling the case at Shellpoint mortgage openly admitted to submitting my paperwork earlier than it should have been. Now its saying that I am 2 payments behind and they reported one already and it has dropped my credit score. I disputed it once and they removed it and my credit score went back to the original score. I disputed it again and it was confirmed that I was correct but they did no correct the report and my credit score was impacted again.
Product: Debt collection

For the better part of the past year, we have been working with XXXX to resolve an issue related to an early termination fee and failure to return equipment due to a temporary move to California for work. We were advised by a XXXX customer representative in writing that this error should not have occurred, yet to date it continues to persist and we have received several phone calls and written notices attempting to collect on an unpaid amount totaling {$1000.00}. This amount was acknowledged in an email by a XXXX XXXX XXXX with XXXX as an error on their part and that we did not owe this amount to their company. They have sent this amount to collections ( via Convergent Outsourcing, Inc. Acct No. XXXX ) XXXX now and have failed to act on the agreement they have provided in writing to us. That agreement stated that they actually owed us {$140.00}, yet this has not been refunded accordingly. The XXXX case number referenced in this case is XXXX and through their debt collector as case number XXXX. We have records of over a year 's worth of telephone and email transactions stating that the XXXX 's did not owe the amount requested, yet as of XXXX XXXX, 2015 it still remains unresolved.
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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

XXXX, XXXX XXXX, the card issuer, and Transcard LLC, the card servicer for the XXXX Fuel pre-paid hydrogen fueling card for XXXX XXXX owners have been delinquent in resolving an issue with providing timely and effective access to view transactions, balances, and statements for a card issued to me. I have not been able to access my card transactions, balances, or statements via their online portal for 7 weeks since reporting the issue on XX/XX/2021. They have not offered any alternative solution or workaround. Without this access, I am not able to effectively nor efficiently verify that the transactions I am making have been charged correctly, I am not able to identify potential fraud, bank or network errors, nor am I able to gather financial documents that I have a right to access and store. 

On or about XX/XX/2021 XXXX PT, I reported a lost XXXX XXXX Fuel card to Transcard LLC and requested a replacement card. After receiving the replacement card on or about XX/XX/2021, I attempted to log into the online portal at XXXX XXXX XXXX to review my transactions, balances, and statements but could not, receiving a cryptic error message instead. 

On XX/XX/2021, I attempted to access my transaction history, balances, and statements via the online portal again but could not and continued to receive cryptic error messages. Then at XXXX PT, I called Transcard 's customer service number at XXXX to report the issue and receive assistance. 

The customer service agent I spoke with suggested that I reset my password, which I proceeded to do about XXXX PT while on the phone with the customer service representative. This did not resolve the issue and I informed the agent that it did not help. The agent suggested I send an email with the details of the error message to the customer service email address ( XXXX ). I then sent an email with the details as requested at XXXX PT the same day. 

I received a response the same day XXXX PT that my email had been forwarded to their IT department. 

On XX/XX/2021 at XXXX PT, I sent the 1st follow up email asking for an update on the matter as I was still not able to access the online portal to view my transactions, balances, and statements. I also had not received any communications from Transcard, XXXX, or the issuing bank since their initial email response on XX/XX/2021 XXXX PT. 

On XX/XX/2021 at XXXX PT, I sent a 2nd follow up email asking for an update as I had not received any response to my 1st follow up email and I was still not able to access the online portal to view my transactions, balances, and statements. Customer service responded XXXX PT indicating they were aware of the issue and were working quickly to resolve it. 

On XX/XX/2021 at XXXX PT, I sent a 3rd follow up email asking for an update and an expected date for resolution as I had not received any response to my 1st follow up email and I was still not able to access the online portal to view my transactions, balances, and statements. Customer service responded that they could not provide an expected date of resolution and that the issue was being worked on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I want the inquires removed
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting

My legal name is not reported on XXXX and it will not let me update my information, yet I have had the name for over 10 years ; There are employers reported I have no knowledge of and accounts opened that I also have no knowledge of. I can not receive any of the XXXX credit reports because I am unable to verify my identity because the information I have found reported to XXXX does not belong to me. My monthly income is not accurate either.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX