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

In 2013 I open a card with Continental Finance for a XXXX XXXX card. I defaulted on the card and it was eventually closed with comments on my credit report of " Profit And Loss Write-off '' The account was never assigned to an agency for collection efforts nor was it purchased by a debt buyer. Based on the comments on my report indicating it had been written off, it is my concern that the company is still reporting a balance of {$650.00}. In an effort to make good on the account I have contacted the company on multiple occasions in an attempt to settle the account and or set up a payment plan. Everytime I have spoken with someone I have been advised that the account was " closed '' and that they would need to have the account " reactivated '' in order for them to assist in providing me with a settlement offer and or payment arrangement. When I asked them why and what the balance is the response I get is that on their end the account is closed and there is no balance which is why they need to reactivate it. If this is true then why are they reporting a balance on my credit? Just this week I was able to get clarification that the account was in " limbo '' and with the " client services '' department who are in charge of deciding what to do with the account. I asked to speak with them and was transferred to a phone line that rang 20+ times before hanging up. I have disputed this via the credit bureaus and they have done nothing and I have made every effort to try and rectify with the company directly. At this point this account is causing me stress and could potentially prevent me from qualifying for the rate I want to refinance my home. Based on my lenders credit simulator this account could potentially raise my score 24 points if it were updated to the correct {$0.00} balance since it was already " written off ''
Product: Credit reporting or other personal consumer reports

Today, I'm reaching out to address a pressing issue of identity theft that has negatively impacted my credit report. After filing a report with the Federal Trade Commission that is essential. According to the Fair Credit Reporting Act ( FCRA ), Section 605B, credit reporting agencies are obligated to eliminate any entries identified in an identity theft report, in this case, report # XXXX. Enclosed, you'll find pertinent documents to aid in the eradication of these inaccurately reported items. The following is a list of accounts opened without my consent : XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1300.00}. XXXX XXXX XX/XX/2023 XXXX XX/XX/2023. Per FCRA Section 605B ( a ), it's mandated that credit reporting agencies remove any such disputed entries promptly, within four business days following the receipt of the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/year> I received a letter from XXXX XXXX XXXX stating I now owe them {$16.00}, XXXX XX/XX/year> XXXX XXXX XXXX responded to my request for the original instrument with a court case filing however I had not received proper notification nor was I served by XXXX XXXX sheriff. 

On XX/XX/year> I received a solicitation letter from a law firm stating XXXX XXXX XXXX had taken legal action against me on behalf of OneMain.
Product: Vehicle loan or lease

Reported : XXXX XXXX, XXXX XXXX : {$8100.00}
Product: Debt collection

I receive multiple calls daily from this company. No messages ever left, no mail ever sent to my home about a debt I owe. When I have talked to them they will not confirm any information. I do not owe any outstanding debt and they are harrassing me at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. XXXX XXXX added me as an authorized user despite me not putting my social security number to activate the card given to me. In doing so, my credit report was negatively affected and I was unable to get a higher credit line or apply for a new credit card due to the authorization. On XX/XX/XXXX, I was removed as an authorized user to try to remedy this problem. However it is now XX/XX/XXXX and even though it does not show a balance, the card is still on my credit reports and is still preventing me from getting a higher credit line. Please fix it so the XXXX XXXX is removed from all my credit reports and find out why XXXX XXXX decided to put it in my credit report despite me not pitting my social security number.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXXDate of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX/XXXX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage servicer - XXXX XXXX XXXX - incorrectly used the wrong property address, whereas the Mailing Address Certification form the loan origination had the correct address listed on it. So they were sending mail to the wrong address and I never received any mail from them. No statements, nothing. When I pulled my credit report, I noticed a 90-day late on it. Then I called the company and found out they were my loan servicer. I immediately paid the amount due, and became current within 2 days of finding out who was my loan servicer. Now I have a negative mark on my credit. I spoke to a very nice, informative gentleman from the CFPB. He was very helpful and thorough. I am really glad you all are here looking out for homeowners. Thank you.
Product: Mortgage

We refinanced with Mr Cooper rolling our first mortgage and second mortgage together paying off all our credit cards and other debts. We also had about {$40.00}, XXXX cash out on the loan. During the closing process we asked about a couple things that they said they were going to be paying off. One was a credit card that did not belong to us it belongs to my husband 's boss totaling over {$5.00}, XXXX. Then there were five checks made out to pay my school loans but they were made out to the incorrect company. We closed on XX/XX/XXXX, I called on XX/XX/XXXX to get them corrected. They dispersed funds on XX/XX/XXXX but still made the checks out incorrectly. I've attempted to contact them numerous times not being able to reach people half the time and being transferred to various people. It has now been over a month and I still am not getting any resolution on this. We are out more than {$7.00}, XXXX and feel like we are being ignored.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the XXXX to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverifiable information on my report. They are currently getting sued. The CFPB has a lawsuit against Experian for systemic errors and I believe those error align with whats going on with my report
Product: Credit reporting

I claimed bankruptcy last year and bills are from the year before. They should have been discharged
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach, and the following fraudulent accounts and inquiries have appeared on my credit file without my consent. I am requesting that these accounts and inquiries be immediately blocked and removed pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$20.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$380.00} XXXX  - XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$990.00} Fraudulent Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

I have been trying for the past several days to open an savings CD account with XXXX XXXX XXXX. They have repeatedly refused to allow me to puchase a 12 month CD at their advertised rate, citing " internal controls, '' but providing no specific reason. After numerous telphone conversations, they have maintained that position. I don't know if they are engaged in some kind of bait and switch, or other type of scam, but based on reviews, they appear to be doing this to others too.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX and Equifax violated my rights as a Consumer, The are in direct violation of the Privacy Act of 1974, FCRA, 12 CFR 1022, 15 U.S.C. 1692g, 15 U.S.C. 1666B and many others. Upon review of my credit profiles in which I found several inaccuracies. I immediately called each company to get these inaccuracies immediately deleted but to my demise XXXX and Equifax refused to delete them citing that they did not have to power to delete these accounts because they belonged to the companies reporting them. I stated those are my account as I am the Bona fide Consumer and that this credit file belongs to me and not the Companies reporting Accounts in error. I also informed them that the Internal Revenue Service states that Charge-Off 's and consider Income and the can not report any account related to income per the law. The refused to immediately remove them stating that I needed to file a dispute with each individual company. 
I found these Accounts being reported in error on my credit profile for XXXX and Equifax : 1. XXXX Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX 2. XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$22000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX 3. XXXX XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XXXX XXXX, XXXX Open/closed Closed Status Account charged off. {$9000.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX 4. XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

A CashApp account was opened under my name. I received a debit card that I did not sign up for. I tried to contact CashApp online by using the support link. Since I do not have an account with them, I can not contact them. I sent them a message on their official XXXX in regards to this fraudulent account. I have never been contacted. Today I received another debit card with another number.
Product: Credit reporting or other personal consumer reports

I logged on to the TransUnion Service Center Website to manage my Credit Freeze. As usual, the website said that it was having trouble showing the status of my freeze ( or anything else like my fraud notice ). I logged out and went to the Credit Monitoring Dashboard ( apparently an entirely different website ), and was able to see that my freeze was intact. I went back to the Service Center website, it was still not able to give me any status, so I called the service number ( XXXX ) after going through the lengthy verification process, I was eventually connected to a service representative ( XXXX, I believe ) who processed my request and indicated that my freeze was temporarily lifted for today and tomorrow ). Later, when I went back to the Credit Monitoring Dashboard website it indicated that my freeze was still intact, and there were no alerts indicating that my freeze had been changed.

TransUnion is the ONLY one of the big three credit reporting agencies that seems to have this problem, and their website problems have been going on for over 2 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX 

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: Debt collection

I requested more information on what the debt was. The collector sent a sheet with a commission payments that I could not understand. I need more details to understand what the debt is and why the are collecting it.
Product: Debt collection

The company stated that they were from Reliant Capital Solutions, and called my husband first. I also had several phone calls from these people. When I called the number, the gal told me that she had to transfer me to the person that was trying to contact me. When I asked what the call was in regards to, she would not tell me, but transferred the call. They then hung up on me. When I tried to call back, it said that all representatives are busy to please leave a message. My message was, do not call me or my husband. The other number they called from was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/XXXX & XX/XX/XXXX As  you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not  authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services AKA XXXX. Has been posting fraudulent inquiries on my XXXX  consumer report. I have not ever applied for any payday loan, nor allowed you to inquire my XXXX report. You have over 30 inquiries on my XXXX  report these are damaging my XXXX score. I am a victim of fraud. I did not grant you access to my reports, and I want your inquiries to be blocked / deleted from my XXXX  report. XXXX  states you verify these but you are verifying addresses I have never lived at. XXXX  has blocked these. Clarity services refuses to put any security freezes on my reports, and refuses to delete their inquiries that I did not authorize.
Product: Debt collection

Im a XXXX veteran  and receive all of my medical care through the VA. But I had an emergency room visit, which the VA is suppose to cover. 

XXXX XXXX XXXXXXXX
Product: Debt collection

There is a personal loan that was charged off by Navient for Sallie Mae. I demand this debt be removed from all credit reporting agencies as, not only was it incurred due to the fraudulent acts of the art institute of XXXX XXXX, but it is also far beyond the statute of limitation. Please note that I am a New York resident and the statute of limitations on collecting any debt is 6 years. ( Please note, that even as a Florida resident, the statute of limitations is 5 years ) This debt has been outstanding since before 2013. Please forward all future correspondences pertaining to this debt to the attention of Investigator XXXX XXXX with the Office of the Attorney General of Consumer Protection Division located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. Phone number XXXX Any further communication regarding this debt will be treated as harassment and legal action will shortly follow.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX 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 card or prepaid card

Navy Federal FCU closed my previous credit card with a limit of {$17000.00} in 2018. There were missed payments that I didn't not agree with. I tried to resolve this but have gotten no where. This has caused me to get turned away from mortgage lenders as I have been eagerly trying to purchase a home.
Product: Debt collection

I am requesting that you validate this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information so I can properly assess the validity of this debt : 1. The name and address of the original creditor.

2. A copy of the written agreement, contract, or other documentation that establishes this debt.

3. An itemized accounting of the debt, including the original amount, any fees or interest added, and how these charges were calculated.

4. Proof that you have the legal authority to collect this debt, such as a copy of your agreement with the original creditor.

5. A complete record of all payments made and their application to the balance. 



Until you provide proper validation of this debt, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies, as failure to validate the debt could be a violation of the FDCPA. 



Additionally, if this debt is found to be invalid or can not be verified, I request that you inform all credit reporting agencies to whom you may have reported this debt, and remove the listing from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was reported to TRANSUNION on XXXX and was removed from my " hard-copy '' credit report. However, this is still appearing on my online credit report and was told on the many and numerous times that I called that it was supposed to have been removed online when it was removed from hard copy. 
I have called over and over and over and no one seems to be able to help. Transunion has given me several numbers to call for online. Every time I called they would tell me they need to put me through to online although that was the number that I called. Every single individual claimed that they were unable to assist me as online could not be reached from the main department. 
When I told one agent that I would contact CFPB she even told me that everybody makes that threat and that CFPB would possibly contact them only ... no big deal. 
Transunion has & does make it EXTREMELY difficult to get anything done on behalf of the consumer. A year or so ago they even dropped my credit score from XXXX to XXXX for no reason ( s ) at all. You may not believe that but it is true. 
The account that has been deleted but Transunion refuses to remove from online is : XXXX XXXX XXXX.