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

On XX/XX/2022 I filed a dispute with transunion for a collection on my credit report that involves an utility company ( XXXX XXXX ) sent to my collection account on behalf of this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
This bill first of all was due to their negligence cause I didn't owe this but I still went ahead and pay since I don't like collection on my credit hoping they would wipe it off my credit immediately it showed. But they didn't do that as promised. I contacted the XXXX credit bureau. XXXX good company took it off immediately, but the other XXXX are so stubborn and even after ther report they still said it's accurate which isn't. I just paid it off cause I don't have stress dealing with a collection company in the first place. If I had known would have not pay immediately. Both the collection agency and XXXX and transunion are not helping. 
Because of XXXX $ that I already paid up my XXXX XXXX is down XXXX point. Which I see as XXXX XXXX XXXX XXXX XXXX XXXX  I can't get a good rate on a mortgage that we are trying to get which makes it more annoying. And it feels like why do I even try to be a good credit guy. When the system can just rip you off and seems like you can't do nothing about it.
Product: Credit reporting or other personal consumer reports

My loans were completely forgiven through the IDR adjustment on XX/XX/XXXX. XXXX sent me a letter on this date to that effect, and both my XXXX and studentaid.gov accounts show a {$0.00} balance as of that date. 

I filed disputes with all three credit bureaus on XX/XX/XXXX, as I was not seeing any movement of the {$260000.00} balance on my credit report and I am trying to buy a home in the near future. 

However on XX/XX/XXXX, I received notices from all three credit bureaus saying that XXXX had affirmed the debt, the information had been verified, and my disputes were closed. 

I am dumbfounded. It has now been two months since my loans were forgiven, and theres no reason anyone at XXXX should be telling anyone anywhere that I owe them XXXX, much less {$260000.00}. How can it be legal for a representative of the government to lie on its behalf?
Product: Bank account or service

I have a bank account with US Bank and created my personal account there. I was told there would be no charges, and there were none for a while. However, recently I have been getting charges on XXXX accounts. I opened XXXX because I was doing the personal banker a favor by opening accounts they called me out of the blue to open. They told me they needed them for the quota for that month. I stated as long as I do not get any fees I will open them I am getting fees on them like monthly maintenance fees and getting coinage fees. I can not afford these fees and I do not apreciate them charging me without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX TX ), XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX , ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) 3XXXX, XXXX XXXX - only XXXX report this account, XXXX XXXX XXXX - only XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind verifying the documents? Some of the mentioned accounts exhibit inaccuracies in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

What makes it so difficult for XXXX XXXX to report my 2 credit cards as CLOSED on my XXXX and Equifax reports???? Why did XXXX XXXX report my 2 credit cards as CLOSED on my XXXX XXXX credit report but my accounts remain inaccurately listed as OPEN on my XXXX and Equifax reports??? Why cant XXXX XXXX XXXX and Equifax comply with the prompt mid-cycle reporting accounts CLOSED as required by the FCRA and Metro 2 protocols??? What is your purpose to willfully violate the FCRA by knowingly report my CLOSED accounts as Open??? Are your employees, computers, bots and PARROTS STUPID and incompetent??? Why are each of you risking statutory damages of {$1000.00}, punitive damages and attorney fees by continuing to violate the FCRA??? Permanently DELETE my 2 XXXX XXXX accounts from every CRA immediately or face increasing liability for willful FCRA violations!!!
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I purchased XXXX XXXX XXXX XXXX cost was {$950.00} dollars XXXX XXXX XXXXXXXX XXXX was XXXX XXXX XXXX and also the company she claimed to use for courier service XXXX XXXX XXXX  I have tried contacting both parties and no one has contacted me back. My back will not reimburse me I used XXXX. I have receipts for both XXXX and the courier service and emails. Thanks please help XXXX XXXX XXXX
Product: Credit reporting

I had a XXXX Credit card ending in XXXX, that was opened in XXXX of XXXX. I filed for Chapter XXXX Bankruptcy and it was dissolved on XXXX XXXX, XXXX. XXXX sent me a letter in XXXX, that this account was going to be charged off. I replied on XXXX XXXX, XXXX, with a copy of my Bankruptcy decree. I then received a charge off XXXX in XXXX. Randomly in XXXX of XXXX, XXXX reported to XXXX and Equifax a past due balance of {$1200.00}. I disputed with both credit bureaus, XXXX removed the information from my credit card promptly and Equifax told me to contact XXXX. I have contacted XXXX multiple times to no avail. The last communication was a phone call about a month ago and XXXX was suppose to contact my Bankruptcy Attorney. When I pulled my credit today, XXXX XXXX, XXXX, the past due balance is still being reported by XXXX to Equifax ( XXXX XXXX ). This is affecting my Equifax score substantially. Card opened in XXXX, Bankruptcy in XXXX, Charge off in XXXX, and then randomly appearing on credit XXXX of XXXX.
Product: Debt collection

On XX/XX/2019 Lending USA agreed to a settlement for a debt in the amount of {$6700.00}. They agree to debit my account XXXX on record from the XXXX XXXX XXXX XXXX. According the document supplied from XXXX XXXX XXXX XXXX they never attempted to withdraw funds on any of the dates according the agreement they prepared and agreed too. I recently found out the account was sold to XXXX XXXX XXXX , XXXX for {$19000.00} and it's being collected on their behalf from XXXX XXXX XXXX of Colorado. Now both Lending USA and XXXX XXXX XXXX , XXXX are reporting me to all three credit bureaus in the amount of {$19000.00}. As a consumer both companies are trying to take advantage of me on behalf of the lender XXXX XXXX XXXX. I want this remove from all three credit reporting agencies and to consider this debt satisfied because I kept my agreement but the collection debt holders broke the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an Identity Theft Report to the all 3 Credit  Bureau on or around XX/XX/2018 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( s ) that I had made. I requested that they block all the accounts listed and 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. 

All accounts were removed except " XXXX XXXX XXXX XXXX '' in the amount of {$1500.00}. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in  which I have not received. 

I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victims Complaint and Affidavit. 

This account is not mine and I am requesting that it be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and erroneous accounts listed on my credit report. Despite my multiple correspondences and dispute letters sent to your bureau, these inaccuracies persist on my credit file. Upon contacting the companies associated with these accounts, they confirmed that the entries were made in error and assured me that the entire accounts would be removed from their records. However, your bureau continues to report these accounts, which is a source of significant concern and distress for me. Moreover, other credit bureaus have acknowledged the inaccuracies in the reporting of these accounts and have already removed them from their records. This inconsistency in reporting across different bureaus is not only perplexing but also detrimental to my creditworthiness and financial well-being. The persistence of these erroneous accounts on my credit report contravenes the principles of accurate and fair reporting mandated by the Fair Credit Reporting Act ( FCRA ). As such, I am requesting an immediate reinvestigation of these accounts. Your bureau is legally obligated to conduct a thorough and reasonable investigation, promptly reviewing all relevant information provided by the consumer, such as myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Dear BCFP Complaints Department. 

This is a complex situation. 

I did try to resolve this with the vendor. They went completely non-responsive for a long time. 

I appealed to The State of California Department of Business Oversight and I was assisted up to point of action against the vendor and that help was in progress with ATTY XXXX with CA XXXX in XXXX. In the end, after a long period of not hearing of any progress, Ms. XXXX wrote me to inform that the matter was outside of CA XXXX Jurisdiction. I found that confusing. 

I need some help. 

I returned the product. I deem the Lease Agreement now cancelled. 

In due course, now that I know the product has been received via insured delivery confirmation, I will write, as appropriate to all the Major Credit Reporting Bureaus in an effort to have the truth of the matter is understood before the vendor takes any action against me. 

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

Hello I went to my credit union that I have been a member of since I was XXXX to get a car loan and I was not approved. The branch manager went over my credit with me and there are items on my credit that are not mine USDOE/XXXX  and XXXX. I have contacted the FTC and the police. I'm doing this on my own behalf. Please remove these items from my credit report.
Product: Debt collection

Good Morning, A third party collection agency by the name of XXXX XXXX XXXX is affecting my credit monthly and it has now become so ludicrous that I was advised by XXXX to file a complaint. As of today there are three debts in the amounts of {$1300.00}, {$930.00} and {$950.00} that was placed on my credit back last year which caused my credit score to decrease drastically at that point. Every month XXXX XXXX XXXX has been purposely deleting and then re-adding the debts back which in return causes my credit score to decline even more. XXXX   and XXXX have both looked into this issue and have blocked this Agency for placing anything on my credit all together. XXXX have failed a misuse claim as well. XXXX has performed this tatic on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and once again on XX/XX/XXXX. 

I ask that you look into this a resolve this within a timely manner.
Product: Credit card or prepaid card

Somebody opened a Victorias secret credit card under my name and is spending outrageous amount of money on that card. This person has spent a total of {$880.00} and it is ruining my life and credit score.
Product: Credit card

XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATION!! I Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. I clearly listed the disputed accounts and detailed the violations affecting my consumer report in each correspondence. 

It has been over 30 days since my initial dispute submissions, and I have yet to receive a response from any of the bureaus. 

Attached are copies of all the letters sent for your reference. 

Please address this matter promptly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, In the annual credit report, there is no account number, only name and date. 
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 XXXXXX/XX/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
Product: Credit card

I made a fraud claim for transactions that are not mine in XX/XX/XXXX. Fraud claim was closed in my favor. Fraud claim was subsequently reopened for some unknown reason in XX/XX/XXXX. Evidence supporting the fraud claim against me has never been provided even after requesting the information several times. I've called the credit card company at least 30 times. I have only been able to briefly speak to the representative handling my claim one time. I request a call from the employee handling my claim every time I call and she never calls back. I've wrote the company 2 letters. I also ask to receive a call back from the supervisor of the employee handling my claim. I have Never once talked to the supervisor at all. 

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 To Whom it May Concern ; Please take this as my appeal to my fraud claim that was initially denied in a letter from your office dated XX/XX/XXXX. Your investigation is wrong and erred in its denial. Regarding the 3 points presented in your findings, please find my responses : -Travel tickets were purchased using this card, but no travel tickets in any instance were disputed by me. Therefore, you are presenting incorrect information and basing your decision off of incorrect information. 

-The card was not in my possession at all during the period that these transactions took place, nor do I have possession of the card now. I do not know where it is, what happened to it, or who used it. 

Regarding transactions being made using my PIN number, I never provided my PIN number to anyone nor was my PIN number written down anywhere. Additionally, after calling your office and speaking with a representative by the name of XXXX, she advised me that your information was incorrect because she does not see anywhere my PIN number was used in any of the transactions that are in dispute. 

Furthermore, the letter from your office dated XX/XX/XXXX states a disputed amount of {$1000.00}. I never disputed that amount, I do not understand where that number is coming from. This fraud claim totals 9 charges in the amount of {$440.00}. 

Due to these faulty facts in the investigation, I request that this fraud claim be approved in its full amount. 

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

I been going back and forth with the original creditors, collection companies and credit bureaus ( experian, XXXX, and XXXX  ) to resolve these items that's reporting with multiple inaccuracies but unfortunately i'm yet to get amicable responses from the credit bureaus. These items are reporting with multiple errors and I would like the entire investigation done and detail process of the investigation that took place.
Product: Credit card

We have spent several months talking with Barclay 's. Telling them we did not authorize the purchase of award miles and instructed them to close the account. We called them every month we received the statement and were told it was under investigation. They have never revealed their results and have now turned the bill over to XXXX XXXX XXXX. We are contacting The collection agency. 

Barclays customer service is in our opinion the worst. I probably should have filed a complaint sooner but this they are unwilling to deal with openly and appear to want to pile on interest and penalties. 

We did not make the purchase and have not benefited from it.. I don't understand why anyone would purchase miles.
Product: Debt collection

Company ASG contacts my cellphone multiple times a day on a daily basis looking to collect a debt from XXXX XXXX. Im not XXXX XXXX, nor do I owe this debt. I have gone through their automated service multiple times to remove my cellphone number. I have told them Im not the person being sought, that person does not own or have access to my cellphone number, and they are not a relative. I have repeatedly asked them to stop calling my cellphone. Despite my efforts to resolve this matter on my own, ASG continues to telephone me on a daily basis, multiple times a day.
Product: Debt collection

I agreed to pay Professional Finance Company {$140.00} and they took {$210.00} from me - so they stole {$66.00} from my checking account. Our agreement was for them to take {$140.00} and they over withdrew.
Product: Credit reporting, credit repair services, or other personal consumer reports

This first investors account on my credit they sold my legal information to XXXX XXXX. I was able to get it removed off XXXX but the company is giving me a hard time to move it off XXXX  i keep disputing it over and over. It is very old. So im not able to get a vehicle anywhere to make it to doctors appointments during covid
Product: Credit reporting or other personal consumer reports

There are 3 unauthorized inquiries on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Ct XXXX, CA XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Request for Removal of Inaccurate Accounts Based on CFPB Complaint References To Whom It May Concern, I am writing to formally request the removal of inaccurate information on my credit report. I recently filed complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding two accounts reported by XXXX XXXX XXXX XXXX. The reference numbers for my complaints are XXXX and XXXX. 

These accounts were prematurely reported as charged off, which violates the Fair Credit Reporting Act ( FCRA ) and industry standards : 1. One account was charged off after only 60 days of delinquency.

2. The other account was charged off after only 90 days of delinquency. 

As per FCRA guidelines, a charge-off can not be reported until after 180 days of non-payment. Reporting these accounts as charged off before the 180-day period is a clear violation of FCRA Section 623 ( a ) ( 1 ) ( A ). 

The CFPB has acknowledged receipt of my complaints, and the disputes are pending resolution. In the meantime, I request that your agency investigate these inaccuracies and remove the accounts from my credit report, as they are clearly inaccurate and misleading. 

Relevant FCRA Violations : 1. Section 623 ( a ) ( 1 ) ( A ) : Duty of Furnishers of Information to Provide Accurate Information Reporting a charge-off after only 60 or 90 days of delinquency violates the legal obligation to ensure accuracy.

2. Section 605 ( a ) : Reporting Time Periods Misleading and inaccurate charge-offs are not eligible to be reported. 

Harm Caused : These premature charge-offs and the failure to reflect accurate payment history have caused : A substantial drop in my credit score. 
Denial of credit opportunities. 
Misrepresentation of my creditworthiness, leading to financial stress and hardship. 

Requested Resolution : Given the seriousness of these inaccuracies and the harm they have caused, I respectfully request the immediate removal of these accounts from my credit report. Attached, I have included : 1. Copies of my CFPB dispute acknowledgments ( reference numbers : XXXX and XXXX ). 
2. Documentation highlighting the discrepancies in the accounts.

Conclusion : I expect your agency to take swift action to correct these inaccuracies, as required under the FCRA. Please confirm the removal of these accounts and provide me with an updated copy of my credit report. Should you need additional information, I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

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

I am a victim of identity theft and someone used my identity and personal information to open up a XXXX credit card account ending in : XXXX, I have never applied for a XXXX credit card. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX credit card account.