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

The account in reference is my XXXX Bank Account ending XXXX and it has several discrepancies across all the bureaus. 

Issue XXXX : Date of last payment [ Transunion shows XXXX XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX shows XXXX XX/XX/XXXX ] Issue XXXX : Account numbers differ ( see attachment ) Issue XXXX : Date closed details [ Transunion shows XXXX XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX shows no date/info ] According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX experian received a certified letter demanding that any freeze OR lock OR hold OR stop on releasing my credit information be stopped / cancelled / terminated / eliminated. 

experian did nothing. 

again now in XX/XX/XXXX experian received ANOTHER certified letter demanding that any freeze OR lock OR hold OR stop on releasing my credit information be stopped / cancelled / terminated / eliminated. 

experian has done nothing. 

experian refusal has resulted in damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Credit reporting or other personal consumer reports

On XX/XX/year> the XXXXXXXX XXXX XXXX was paid off in full in the amount of {$350.00} the organization stated on multiple occasions that a letter with pay off date and pay off amount would be sent to me. I received a letter dated XX/XX/year> stating acvount had a balance of {$0.00}. I filed a XXXX  XXXX on XX/XX/year> upon doing this the company attached information on all three credit reports stating they were included when my account was paid in full. The company damaged my character and destroyed my credit. I have reached out to many customer representatives as well as supervisors in which, I call and all calls were routined to collections department in which the organization knew the account was already paid in full. I have asked to be compensated for defamation of character and falsey stating account was included in XXXX  XXXX and it was not. I'm looking for compensation of one- thousand dollars for pain and suffering. I finally received information from one creditor that the falsely information was removed from credit report as being included on my credit report. I have been fighting this issue for for over year and half. I have disputed multiple times with all three credit bureaus and they refused to correct issues until now. 
I have still not received letter from XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$170.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.
Product: Payday loan, title loan, personal loan, or advance loan

Tally is a company that promotes a service that makes minimum payments to higher-interest credit cards from companies they are in partnership with, on behalf of the user, and then the user pays Tally back on a consolidated balance with a lower interest rate. 

In XX/XX/2023 I was abruptly informed via email that they would no longer provide services of paying my credit cards. I attempted to call their office during regular business hours and received a strange automatic message that said all of their staff were in a meeting and could not answer the phones, and to send an email for a faster response. I sent an email asking for clarification. Tally replied, citing the previous email from their company, and re-stating that no payments would be made to my credit cards because an investor stopped providing the funds that were used to make the payments to the credit cards, and that payments were no longer being made for anyone. 

The website today still offers the services that I have been wrongfully denied. I am now required to continue payments to Tally, without my credit cards being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I decided to look at my credit report on Experian.com since I have not looked in awhile. I noticed my lease for XXXX XXXX XXXX with XXXX XXXX XXXX was listed with a balance due. I paid this lease off in XXXX of XXXX, so this puzzled me. I phone XXXX XXXX XXXX on this date and they confirmed my lease was paid in full and they sent me a letter stating this dated XX/XX/XXXX. I proceeded to phone Experian on this date, XX/XX/XXXX and they did not provide any information other than starting a dispute, which I did on that day. On XX/XX/XXXX, Experian sent my results with no change. Now my XXXX XXXX XXXX XXXX is in the " negative impact '' column and my credit score decreased by XXXX points. I again phone XXXX with same results and also phoned Experian, stating this account was paid in full, nothing owed. I also began a second dispute on XX/XX/XXXX. On XX/XX/XXXX Experian notified me there was no change, after disputing. The XXXX XXXX XXXX line item on my Experian credit report now shows " Paid in Settlement, '' which it had not shown before. For the XXXX time, I phoned XXXX and also Experian on XX/XX/XXXX. XXXX told me account paid in full, not " paid in settlement. '' Experian advised me to upload the letter from XXXX showing this, which I did on XX/XX/XXXX. Today, XX/XX/XXXX I received the same negative notification from Experian, even after uploading my letter from XXXX XXXX XXXX. My credit score has decreased as well as the XXXX  information going into a negative column and not expiring until XXXX!!!
Product: Debt collection

The original creditor was Discover. Due to financial hardship ( loss of jobs ), I could not continue the payment on the account. It was sent to XXXX and XXXX in XXXX XXXX. I was repeatedly harrassed, the debt inflated quickly, but I eventually reached a settlement agreement with XXXX XXXX XXXX that I repeattedly told them was beyond what I could pay. They still insisted and set up an automatic bank withdrawal via post-dated checks. I called after every payment to indicate that I could not make the next payment. When the last payment was due, I did not have the funds and could not come up with the funds. I called to let them know, they drafted anyway, and it bounced. 

When I tried calling to set up some way to make the last payment, they told me I was out of luck and that I would be responsible for the entire debt before the settlement because I failed to make the payment. 

I didn't hear from them for quite a while until I became aware of a default judgment against me. They had served the renter of our property, and I never received the summons. 

Earlier this year, I received a call indicating they would like to discuss the matter. With over a decade since the original conversations, I asked that they send me documentation in writing instead of an inflated value over the phone of an amount that is quite larger than the original debt and the judgment. I have yet to receive anything. It has been months. I would like this matter settled in a fair and accurate way as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to XXXX  which are fraudaulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Product: Checking or savings account

Emailed and called to get {$15.00} fee reversed. My average balance is about {$15000.00} and I should not be penalized just because it dipped below one day due to a pending credit card withdrawal.
Product: Debt collection

On XX/XX/2022 Capital One Bank USA Reported negative remarks on my consumer Report Without my Written or Oral Consent. Im protected under the federal law FCRA. Pursuant to 15 usc 1681b you clearly violated the federal law. This Negative and erroneous information needs to be deleted now. You have 5 days after receiving of this complaint to fix this problem or I will take legal action.
Product: Mortgage

I was previously with XXXX and I started doing a loan modification with them and in the middle of the loan mod they sold my loan to another lender XXXX and this lender send me to another lender XXXX and so on... In the meantime I did not receive any information of this until after I received a trustee sale date and when I called Quality loan Trustee  I asked them who is the loan with they said Caliber Home Loans I asked them what was the loan number and they hung up on me. I called around XXXX times to them and they kept hanging up on me. After XXXXcouple days of this I finally got a hold of someone who helped and provided me with a loan no. I called Caliber home loans gave them my social, the loan no. provided by quality loan and they kept hanging up on me as well. When I call caliber home loans and they ask me to enter the loan number which I did but the phone kept hanging up on me after I put in the loan number. I also went online and printed a loan modification packet, I filled it out and put together a full packet by the RMA instructions and I faxed in to Caliber home loans. The next day I called them asking them if they received my fax they said they did not and I told them I have confirmation but they hung up. 
I called them couple days later and asked them about the fax and the loan, they kept asking me for the loan number which I only received from Quality loan but they say that's not it and hung up. I even gave them my social date of birth which by that information they should locate my loan but they cannot and hung up again. 

I don't know what to do anymore and how to work with this company. I have a sale date scheduled XX/XX/2015 and am very worried that they are doing this to just say oh you did not send us any docs for a loan mod and then they will just sell the home. How can I get a hold of them so I can work with them? 
Please help me as this is getting out of hand and getting very close to the sale date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to address a deeply concerning matter related to my credit report. I want to bring to your attention that an account with the account number XXXX XXXX, held by XXXX XXXX XXXX, has been unexpectedly reinserted onto my credit report. This act not only contradicts my previous efforts to rectify inaccuracies but also raises serious questions about compliance with the Fair Credit Reporting Act ( FCRA ). 

I would like to remind you that I previously contacted your agency in XXXX of 2023 to address this incident. In that letter, I outlined my concerns regarding the accuracy of the account and requested its removal. Despite my previous efforts, I have not yet received confirmation of the removal of this account from my credit report. 

It is important to highlight that the reinsertion of an item onto a credit report without prior written notice to the consumer is a direct violation of the FCRA, which mandates that such notification should be provided within five days of the reinsertion. The unexpected reappearance of this account without appropriate notice has left me deeply concerned about the integrity of my credit history. 

Given the circumstances, I am left with no choice but to demand the immediate deletion of the aforementioned account from my credit report. This action is not only necessary to rectify the FCRA violation but also to ensure the accuracy and completeness of my credit history. 

Additionally, I kindly request that you promptly provide me with an updated and revised copy of my credit report following the successful removal of this account. This will enable me to verify that the necessary corrections have been made. 

I must stress that the delay in addressing this matter is both disconcerting and disappointing. I urge you to take immediate action to rectify this situation, as I am prepared to assert my rights under the FCRA to ensure compliance with its provisions. 

Thank you for your immediate attention to this critical matter. It is my hope that your response will reflect your commitment to accurate and compliant credit reporting.
Product: Debt collection

On XX/XX/2012 there is a claim for {$120.00} for XXXX XXXX XXXX from First Fed Credit that I have no knowledge about. I have no recollection of receiving services from such an entity. 

On XX/XX/2012, another claim for {$81.00} is entered on my credit report for the same companies. Again no knowledge is represented about any of these companies. 

On XX/XX/2012, another entry from the same entities. No knowledge represented for either company. Don't know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX and Experian are reporting 2 hard inquires which I need validation for or please remove : Inquiry : XXXX Date : XX/XX/XXXX Inquiry : XXXX Lease Only Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On MULTIPLE occasions I disputed XXXX XXXX XXXX on my report. This was a XXXX bill from years XXXX to approximately XXXX. In XXXX I was coming out of a nasty divorce and on welfare. I HAD to go into non pay status on my electric to qualify for XXXX. So my first delinquency was in XXXX. This makes this debt 10 years old, past the point of being reported. The credit reporting agency non stop says verified. Wont provide me HOW they verified which I asked REPEATEDLY for. 

XXXXXXXX XXXX XXXX reports first delinquency was in XXXX. This is WRONG. This violates my rights. I am attaching a bill from XXXX to which shows that they are WRONG. This also proves the credit reporting agency is NOT DOING THEIR JOBS. 

Federal law ( US Code Title 15, 1681c ) controls the behavior of credit reporting agencies ( CRAs ). The specific law is called the Fair Credit Reporting Act ( FCRA ). Under FCRA 605 ( a ) and ( b ), an account in collection will appear on a consumers credit report for up to 7 years. 

To determine when an account will be removed by the CRAs ( XXXX, Equifax, and XXXX and others ), add 7 years to the date of first delinquency. The date of first delinquency is shown in credit reports. Subsequent activity, such as resolving the debt or one debt collector selling the debt to another collector, is irrelevant to the 7-year rule. 

I can continue to look or call XXXX for actual proof this goes back to XXXX for my first delinquency. But this in itself should show that this agency is not properly investigating and should be held accountable. 

I am asking for a IMMEDIATE REMOVAL or I will take this further being this is a CLEAR VIOLATION of my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX DOB : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXXXXXX in XXXX, XXXX under the account number XXXX, an personal account opened at XXXX XXXXXXXX in XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX in XXXX, XXXX with a balance of {$82.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX. Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to request that you block the following fraudulent information from my credit report. Kindly correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be removed right away. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent inquiries on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, 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 instructions of the consumer to whom it relates. I Never gave XXXX, Equifax any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following Inquiries BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, social security number : ( XXXX ), Date of Birth : XXXX XXXX. This CFPB complaint has been filed to request pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Services LLC reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business says of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX on XX/XX/2019 under the account number ( XXXX ) with a bal. {$280.00}. This account has resulted in a fraudulent account appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. the aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The account is a result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of Identity theft and fraud. 

This is the second Complaint filing with CFPB due to Equifax information services LLC reinvestigating due to Equifax stating previous FTC report was invalid so I have provided new FTC report which has been attached.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to notify you that I have been a victim of fraudulent activity. In my efforts to remove the fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission or https : //www.ftc.gov to file an identity theft report. Per FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report, reference number XXXX. Please find the attached documents to assist in removing the erroneous personal information and inquiries that have been posted to my report. Here is the list of items that were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must remove any items in a consumer 's file identified as resulting from identity theft within four business days of receipt.
Product: Debt collection

Barclay bank make me paid for scam like XXXX insurance XXXX XXXX XXXX agent plus XXXX interest charges total of {$1300.00} for them. XXXX got their money not me. Barclay should call XXXX to ask for money back or bill them. Please dont bill it to me. Thank you for resolving!
Product: Credit card or prepaid card

a charge was made on my XXXX chase visa card on XXXX XXXX for {$1000.00} from XXXX XXXX XXXX XXXX ca XXXX a mobile app ( i dont have one ) for a apple i pad, it was picked up with no id or signature, Chase sent me a e- mail fraud alert asking if i made this purchase, i hit the red bar and sent NO i did NOT make this purchase, they called right after and said the cancelled my XXXX cards and would sent new ones in 4 days, they did, I talked to 4 different departments at chase with NO luck, they kept saying i benifted, even after they said they knew of XXXX XXXX and XXXX  scams on their cards