23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report.
Product: Credit card

My SOFI credit card was fraudulently used at XXXX XXXX on XX/XX/23 for {$3100.00}, and the issue was disputed with SOFI, and a police report was filed and submitted to SOFI as requested. Since then, SOFI has refused to resolve the issues and also went further to report them on my credit history as an unpaid debt. I reported the issue to XXXX and XXXX but it is still not resolved. Currently, it is affecting my credit history. Please, I need help with this issue.
Product: Debt collection

The amount of {$92.00} collection was placed on my credit report. With no letters or calls to state debt owed. I sent out a debt validation letter after the collection was placed onto the credit report and received no response back after 30 days. I also have disputed this with credit bureaus as an invalidated debt
Product: Money transfer, virtual currency, or money service

XX/XX/22 I received a text message from who I thought was Bank of America asking my daughter approved a {$2000.00} XXXX transfer by XXXX XXXX. Reply yes or no. I replied no. Then received a call from who I thought was BOA ( the caller ID showed that ). He said this person was trying to take these funds out of my daughters account and I confirmed that we did not know that person or approve the transaction. He told me he would help me stop the transaction from going through and what steps to take. The process involved moving money from one of our savings to her account to cover it from being overdrafted. He said we will create a new account for her then transfer the money to that account and close the other one. He had me type in her name and approve creating this account by replying YES to text he sent. This made sense to me. He had me hold a few minutes while talking to XXXX to have the pending withdrawal stopped. Then he came back on the line and said he realized that was another attempted withdrawal of {$1500.00} and he would stop that one too before the scammer was able to get to the money. I waited for quite a while keeping my eyes on my accounts and he came back on and said its being processed and will send me to his administrative specialist to approve and finalize the reversal of charges. A lady got on and said so sorry for any inconvenience but rest assured it will be taken care of now. She said it might take a while for the money to be back in my account. It was XXXX a.m. so I went to bed. Woke up to see {$3500.00} not returned to my account. I understand that the banks and XXXX will say I agreed to the transactions so its my fault and there isnt anything I can do. But how could have known it wasnt BOA and the fraud specialist was part of the scam? I have been affected financially and emotionally by this. The scammers are basically untouchable so there is no recourse there. But every day hundreds of thousands of innocent people are prayed upon sometimes losing their life savings in these types of scams. I wish there was a class action lawsuit to get our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company called XXXX is attaching a collection to my credit report on both XXXX  and Transunion. They say its for a commercial loan to XXXX XXXX. It would have been for a commercial loan to a dissolved company. To get around the consumer credit rules these companies are reporting it as collections to the individuals. The loans are unsecured purchases of receivables. When the companies go bankrupt they use this tactic to affect the individuals credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted complaint to Transunion LLC. to remove unauthorized inquiry on XX/XX/2023 ( CFPB # XXXX ). 

Due to request being > 1 month old, legal process to remove the information has begun. 

Third parties involved : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXXTel : ( XXXX ) XXXXTo Whom It May Concern : For the account referenced in this dispute, I was never notified of the debt or sent any request to pay it. Additionally, I have been trying for the last two weeks to reach a representative from Alliance One but all of their phone numbers go straight to a busy signal and I 've tried to reach them with no success. 

It seems many others have similar complaints XXXX pay all my debts I 'm happy to pay this balance ifa ) I get a letter or statement about what it isb ) A chance to pay itI do n't understand why a collection agency would avoid communicating about a debt they 're trying to collect, but based on what I 've read online about the company, I 'm thinking it 's some type of scam. 

Thanks for looking into this, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX  XXXX  XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 dispute the following items as they are unknown to me : XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX  Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX {$2700.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report today and realized I have another hard inquiry. I have not applied for any line of credit at the moment as I am working on improving my credit. The dispute is from Barclays Bank Delaware, I have not left my state in 5 years and its nowhere near Delaware.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, You are breaking the law! 
On XX/XX/2022 I disputed the following account on my consumer report with all three consumer reporting agencies, XXXX, Equifax, and XXXX. 
XXXX XXXX XXXX Account number XXXX On XX/XX/2022 I received a letter from XXXX with the results of the investigation which came back that this account was inaccurate and it was deleted from my consumer report. Pursuant to 15usc 1681i ( A ) 5 ( D ) any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such reporting agencies. By law each reporting agency is required to uphold the same accuracy. 
On XX/XX/2022 I received an email from Equifax stating that a new collection account was added to my Equifax report. This was the same account that was already deleted by XXXX and XXXX XXXX XXXX XXXX Account number- XXXX Also, Pursuant to 15usc 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report in accordance with written instructions to whom it relates. I never gave any written consent for this account to be furnished on my consumer report. Therefore, you had no permissible purpose to have this on my report which is also a violation of my rights. I demand this inaccurate account be deleted from my consumer report at once! 
XXXX XXXX XXXX
Product: Debt collection

They call over an over everyday call from different numbers, they state it's a debt owed but it was paid to the original debtors harrass non stop an call before XXXX XXXX an after XXXX XXXX
Product: Credit card

I have attempted to escalate this issue over and over to AMEX 's team but now I unfortunately must take this here. Back on XX/XX/scrub> 2024, I ordered a device from XXXX XXXX so I can plug-in my mobile sims from home and use my number on my computer and not my phone. 

Since then, it has been a mess. First of all, I have not gotten my item from the merchant nor have I been issued any sort of refund from XXXX XXXX nor the merchant. XXXX XXXX is known to support their XXXX merchant 's over foreign customers. So, I took it to AMEX. I cited how I have not received my items. I showed them XXXX XXXX 's promises to fully refund customers for items that have not been received under their XXXX XXXX XXXX. I have shown AMEX screenshot messages, yes, messages from the merchant telling me they would refund me in the event that my I do not get my items. Furthermore, I have even provided reason to believe that the merchant did not ship out the correct items, which is why the shipment never made it to my destination. So on and so on. I have given them everything. I have provided multiple paper statements and screenshots of it all. 

I have even cited AMEX 's policy on their disputes, which they do not seem to withhold at all. Reason code XXXX here : https : //www.americanexpress.com/content/dam/amex/au/en/merchant/static/chargebackcodeguide.pdf AMEX has been unhelpful and unwilling to help out their customers who have been scammed out of their money, even though I provided all of the evidence, and the merchant only provided close to nothing. I have tried reasoning and reopening the dispute but to no avail. So, now I am here, I plan on continuing to fight and take this public. Please stay tuned for updates.
Product: Credit card

I've always ensured timely payments on this account, avoiding any overdue situations. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Money transfer, virtual currency, or money service

I am writing to formally express our deep concerns regarding the pricing analysis and subsequent pricing adjustments that occurred following the transition from XXXX XXXX pricing to the XXXX XXXX XXXX XXXX XXXX conducted a pricing analysis on XX/XX/XXXX, in collaboration with Citizens Bank, comparing the XXXX models. We were led to believe that XXXX XXXX XXXX was structured similarly to XXXX XXXX. 

Following our amendment signature date on XX/XX/XXXX, we have observed a significant and unexpected increase in processing costs, ranging betweeXXXX XXXX XXXX XXXXXXXX %, resulting in an estimated additional expense of approximately {$80000.00} across more than XXXX properties. This increase has caused financial strain on our operations and raises serious concerns about the accuracy and transparency of the pricing model presented to us. 

Since discovering these discrepancies, we have made multiple attempts to seek clarification and obtain a detailed pricing breakdown. Despite repeated follow-ups on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, we have not been provided with a clear comparative analysis between Interchange Plus and Simple Change Pricing. Furthermore, we have been denied the option to revert to our previous pricing model, despite our reasonable request for transparency and fairness in pricing. 

Given the financial impact and the lack of responsiveness to our concerns, we request the following actions be taken immediately : -A comprehensive and transparent breakdown comparing XXXX XXXX pricing with XXXX XXXX XXXX  including all applicable fees and cost implications. 

-A thorough explanation as to why the cost increase occurred despite assurances of similarity between the XXXX models. 

-The ability to revert to our previous XXXX XXXX pricing model if it is determined that the XXXX XXXX XXXX XXXX XXXXs less cost-effective. 

-A formal response addressing our concerns We appreciate your prompt attention to this matter and expect a transparent resolution. Please confirm receipt of this letter and provide a response at your earliest convenience.
Product: Credit card or prepaid card

We were charged fees on our Chase credit card that had a XXXX balance. We called the company and decided to close the account. The representative on the phone said the charge would be reversed and the account would be closed. We continue to receive emails about additional fees, late notices and threats to report us to the credit bureau. We called the company agian to review the problems and were assured that all fees would be removed and the account would be closed. Last phone conversation was in XX/XX/2023. Just received on XX/XX/2023 an email saying our account had been closed due to non payment and that we still owed all the fees charged.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything on my credit file has to be 100 % correct. 

On XX/XX/XXXX, I wrote TransUnion ( Certified Mail # XXXX XXXX XXXX XXXX XXXX ) asking to investigate the accuracy of this account and if they can not validate its accuracy to please delete it. I received a credit report dated XX/XX/XXXX stating that the account had been verified as correct. I then wrote to TransUnion on XX/XX/XXXX ( Certified Mail # XXXX XXXX XXXX XXXX XXXX ) asking for a description as to how they arrived at those results. In return, I receive a credit report dated XX/XX/XXXX with the same information as the previous report stating that the information was verified and accurate and if I wanted to receive a description, to contact them. That is what I did in my letter The credit agency stated that my account was properly investigated but, how is that possible if the open date, date reported, and the date last active is inaccurate. This is grounds for removal and they have also violated my rights under 15 USC 1681 n ( 1 ) ( a ) for not reporting 100 % accurate information 15 USC 1681 Sec 602 A states I have a right to privacy 15 USC 1681 Sec 604 a ( 2 ) states a consumer reporting agency can not furnish account information without written permission I did not give permission for this account to be furnished on my credit report.
Product: Debt collection

On XX/XX/2020 I submitted a request for debt validation to XXXX XXXX XXXX in accordance with FCRA regulations. XXXX XXXX XXXX failed to provide the necessary and required documentation to validate this debt, yet they failed to remove this derogatory mark from my credit reports as required by FCRA regulations.
Product: Vehicle loan or lease

On Wednesday, XX/XX/XXXX I noticed that two payments had been taken out of my checking account by PNC Bank. I had only paid and submitted one payment with confirmation number. I called the PNC offices on Wednesday morning talked to one individual who said theyd put the money back in my checking account. They took the routing and check account number and she put me on hold. The total call was 58 minutes I was on hold for 45 minutes. While I waited about 30 minutes I called on my cell phone and another individual answered I told them I had been on hold for 45 minutes and I was done that I wanted to have this handled. 

This one at least explained something about a computer glitch where multiple people had multiple payments taken out. I was lucky apparently to just have two so she took the numbers and assured me the money would be put back in my account by Thursday morning. 

It is now Friday and no money. So I called again today- she informs me that the worker didnt hit the button to push it through. She does and tells me the money wont be in my account until the XXXX of XXXX. Which is unacceptable given their mistake and that it is a week before I get my money returned. Therefore making my accounts overdrawn, due to having other expenses already taken out and not budgeting for two car payments. I believe they are a complete fraud and have no intentions of returning the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we called XXXX XXXX  ( XXXX  ) to pay our card in full and close the account. We asked for the full amount due and paid the full balance of {$2400.00} and asked that our account was closed which it was. The next month on XX/XX/XXXX we received a statement showing a balance of {$39.00} for a late fee charged XX/XX/XXXX, the day before we payed off the card. We called customer service they apologized for the error and we were told it was taken care of and went about the craziness of pandemic life the next months not knowing they did not resolve the {$39.00}. So it began accruing interest. 

Upon pulling a credit report so that we could begin buying a home we realized there had been late payments for those months in between reported to the credit bureaus. We called multiple times and customer service could not help us with this although the did apologize again, after it was totally erroneous and on XX/XX/XXXX customer service refunded the late fees, the interest, and the balance resulting in a {$0.00} balance. 

It took us a very long time to figure out how or who to contact with XXXX about the erroneous late fee on credit report. We finally found out they had a special department so XX/XX/XXXX we sent a letter with all the materials and documents including statements, account showing credits, etc and have yet to hear from them. 

We can not get approved for a home because of how recent the late charges are on our credit report. We are devastated that this error resulting from the {$39.00} charge that was not removed ( or we would have just paid it had they told us to when we called after we paid off the full amount of {$2400.00} in XX/XX/XXXX but they told us not to bc it was their error! ) has left us unable to get approved.
Product: Debt collection

ONXX/XX/XXXX, DIVERSIFIED CONSULTANT INC RESPONDED TO YOUR DEPT ( CFPB. ) ON CASE # XXXX THAT THEY SENT A DELETION ORDER TO THE CREDIT REPORTING AGENCYS, THERE LETTER WAS DATED XX/XX/XXXX TO YOUR DEPT. 
AS OF XX/XX/XXXX XXXX IS STILL REPORTING THIS COLLECTION WHICH IS DAMAGING MY CREDIT. I ASK THE CONSUMER FINANCIAL PROTECTION BUREAU TO HAVE XXXX XXXX XXXX,  TO IMMEIDIATLY REMOVE THIS COLLECTION AS THERE LETTER OF XX/XX/XXXX TO YOUR DEPARTMENT STATED. 
I REQUEST THAT DIVERSIFIED CONSULTANT INC,  PROVIDE A COPY OF THE DELETION LETTER THEY STATE WAS SENT TO THE CREDIT REPORTING AGENCYS TO ME FOR RECORD FILLING. 

THE REFFERENCE ACCOUNT THAT NEEDS TO BE DELETED IS XXXX XXXX XXXX. BALANCE {$3700.00}. 

THANK YOU
Product: Credit card or prepaid card

On XX/XX/XXXX, i contacted American Express regarding my long standing relationship with them since XXXX. 
Todate, the company has not made CLEAR about, why my long EXCELLENT history is no being reflected with ALL MAJOR CREDIT BUREAUS. 
I AM AN XXXX XXXX, WHO WOULD DEFINITELY BENEFIT from the truth of this credit information being reported accurately, Yet, AMERICAN EXPRESS seems to SELECTIVELY want to deminish my current information that they imprint on the very credit cards i hold in good standing todate. Member since ( XXXX ). I am ANGUISHED and hurt By this unfair reporting to the bureau 's. Seems they know that if they reported the truth, it would benefit from credit rating FAVORABLY. this to me, seem to be a way to hold XXXX XXXX of XXXX from fairness in the credit systems. I'm seeking to buy a home, in one of the most EXPENSIVE states in this country. 
What American Express is reporting todate is less than five years to the current credit bureaus, just enough to keep me In the red Zone with the BUREAU 'S To look like, with Lenders that I'm not trust worthy enough. 

THIS ALSO REMIND ME OF HOW XXXX WERE TREATED IN XXXX WHEN THEY WENT IN PERSON TO CAST THEIR VOTE. 

I AM OUTRAGED, OF THIS BLOCKING BARRIER.