23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a " XXXX Card '' over a decade ago. The account has been closed and inactive for over 10 years. There was no valid card issued in that time. There have been no statements received in that time until 2 months ago. Two months ago I received a statement through the postal mail from " Capital One XXXX Card. '' It showed a balance from charges made in another country. As far as I can recall I have never had a Capital One card but I recognized the " XXXX Card '' so I called to report the fraud. The individuals were less than helpful as they took my information and used it to setup another account and then transferred the balance to that account. No one could explain how an account that had been closed for over a decade and did not have a valid card attached could accumulate a charge. Instead they continued to ask for more information from me which is apparently being used to setup accounts. After I reported the fraud they sent another invoice with a new account number which still shows a balance and now has accumulated fees and interest. I have once again called. This time I was told they closed the account on XX/XX/18 but there is a balance still owed. They can see there was no card issued to the account but they claim the account was " inactive '' for a decade but not closed. Even though there was no card issued and no statements being sent they are claiming they left the account open for a decade. Even though there was no valid card issued to the account, no expiration date, no cvv code, somehow they are claiming that a charge was still made to a closed account and they continue to send me bills with accumulated late fees and interest.
Product: Credit card

XXXX XXXX ( XXXX ) does not provide their account holders credit card on file with detailed transaction information. The information is batched into single transactions billed to XXXX , XXXX My family just discovered that XXXX XXXX XXXX XXXX has been billing us for over 2 years for hundreds of dollars ... ..all unauthorized. XXXX will only credit 60 days. We had no way of knowing of fraudulent charges based on our American Express charges monthly and this is wrong. Am. Ex & XXXX need to provide detailed transaction reports so a consumer can readily detect fraud. Please help me get credit for the numerous unauthorized transactions from XXXX on our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted ID and social security card copies via online ( several months ago ) and via certified mail over a month ago as i was unable to access credit report. I believe equifax has the wrong last four digits of my social security. My credit card was closed and after filing complaint with credit card i was informed : On XX/XX/2018, we received an ownership dispute directly from Equifax. We conducted an investigation, and the account was permanently closed. The closure of this credit card which was my only card resulted in a drop of score from 700 's to non existence. Called via phone and was told they do have the correct social security so i am not sure what is going on with equifax and why the ownership dispute.
Product: Debt collection

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA XXXX. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported late payments to all 3 credit bureaus ( XXXX, Equifax, and XXXX ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. XXXX reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I attempted to rectify this with XXXX and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute. 

This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive XXXX relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by XXXX during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.
Product: Debt collection

I have been repeatedly contacted by XXXX XXXX XXXX, Credit Control LLC, XXXX XXXX XXXX, and XXXX XXXX attempting to collect a fraudulent debt that has already been reported as identity theft to the FTC and the original creditor and removed from my credit report. I have informed representatives of these companies that the account has been reported and confirmed by the original creditor as fraudulent and demanded they cease and desist contacting me and despite this they have persisted in harassing me by mail, telephone, and e-mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from the Dc Bankruptcy Court that they did share myt information with the credit bureaus. I sent the letters to the all Credit Bureaus XXXX, XXXX, and TransUnion they refuse to remove the Bankruptcy from my credit report. Even after I got Verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, 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 inform you that my rights under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) have been violated. These violations have resulted in inaccurate information being reported on my credit report, which has had a negative impact on my financial standing. I demand that you take immediate action to rectify this situation by deleting the affected accounts from my credit report. Furthermore, I expect to be compensated monetarily for the distress and inconvenience caused by these violations. It is imperative that you address this matter promptly and provide a satisfactory resolution. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) 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 shalli ) 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 ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was the result of identity theft and was therefore closed and removed from my credit file, then it mysteriously pops back up on my credit report but still closed, now today, my credit scored drops 48 points because the account was reported as delinquent but yet is closed account. I demand that this be removed from my credit report immediately, makes no sense the way the credit bureaus operate, how can you report active activity on a closed account! Crazy! XXXX  XXXX XXXX  XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you with a heavy heart, burdened by the weight of the financial struggles exacerbated by the inaccuracies on my credit report. The credit bureaus have become a source of immense distress, as the negative items persist, casting a dark shadow over my life. 

Despite my best efforts to rectify errors and settle outstanding debts, the credit bureaus seem indifferent to the toll this is taking on my daily existence. The unrelenting presence of these inaccuracies is making it nearly impossible for me to secure basic necessities, let alone plan for a stable future. 

I find myself contemplating the drastic step of filing for bankruptcy, a decision I never imagined making. The impact on my emotional well-being has been profound, as the stress and XXXX  associated with these financial hurdles seem insurmountable. 

I implore you to intervene and advocate on my behalf to rectify these inaccuracies promptly. Your assistance in ensuring a fair and accurate representation of my financial standing on the credit report would be a lifeline in these challenging times. 

Thank you for your attention to this matter, and I sincerely hope for a resolution that will restore not only my financial stability but also my peace of mind.
Product: Credit card

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

XXXX  VICTIMS LETTER TO DEBT COLLECTOR XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Trafficking Block Request Dear Sir or Madam, I am writing to inform you that I am a victim of XXXX  XXXX. Due to my involvement in this situation, certain information appearing on my credit report is directly related to actions taken by the XXXX. This letter serves as a formal request to block and remove this information in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

Below is a list of accounts and inquiries that are the result of this XXXX  and should be blocked immediately. 

Accounts to be Blocked : 1. FIG LOANS Request for Immediate Action : Pursuant to Section 605C of the FCRA, please block and remove this information from my credit reports within four business days. Additionally, I request written confirmation of all actions taken in response to this request. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : Proof of identity XXXX  documentation ( from a federal, state, local, or tribal governmental entity )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. However, this too is coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that is is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

Our mortgage was with Zillow home loans. 
We closed on XXXX XX/XX/2021. 
Our first payment was due XX/XX/2021. 
By mid XXXX we received letters from Zillow and XXXX that our loan had been transferred to XXXX. 
The first payment to XXXX was due XX/XX/2021. 
We have paid pennymac each month since. 
In XXXX Zillow home loans collections started calling constantly. We continually explained that they had sold our loan. We called the customer service department, who filed a report to notify collections that the account had been moved/sold. Collections kept calling. And calling. We told them over and over again that they had sold our loan. I looked for ways on social media to contact them to get a resolution. Nothing. 
In XXXX the phone calls finally stopped. 
XX/XX/2021 Zillow placed a collection with XXXX. 
They placed a collection on a mortgage they do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I had a missed {$18.00} credit card payment added to my report that was not late, the dates are inaccurate on all three credit bureaus reports and do match up I've reached out and haven't heard responses back on the inaccurate information.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within XXXX business XXXX, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided trafficking documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX XXXX XXXX XXXX  In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of tXXXX XXXX XXXX XXXX XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.XXXX Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX XXXX  XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPBXXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I paid my entire balance owed XX/XX/2021. I asked XXXX XXXX if that was the total balance for services rendered and they replied yes. I had no more visits or procedures done. A month later I started to get billed after I had already paid my balance in full. Every month the charges were more. I refused to pay any more due to the fact that I refused any further procedures and I was paid in full for all services rendered.
Product: Credit reporting or other personal consumer reports

The terrible ordeal is this I have requested the company to look correctly my information anf they never responded back waitted 90 days since last time and nothing I am tired of run arounds and speaking to agents that hardly speak english can you help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed an entry on a judgement listed on my credit report since    XXXX   XXXX  ,2017  and they have failed to respond back to in a timely manner, This issue is with a judgement ref #  XXXX . and I still hv not heard anthing back from them yet
Product: Debt collection

NCB Management Services is contacting me about a auto loan from XXXX XXXX. XXXX had to settle in 34 states and work to repair the credit of those affected. I wasnt 60 days past due when they took my vehicle. They then sold the car and sold the debt to NCB Management with whom I have never done business. I keep getting harassing calls and threats from this company.
Product: Debt collection

I disputed the debit to be verified that LVNV had jurisdiction for the state of Texas and Oklahoma and no response but they sued me in the state of Oklahoma court and they dont have license for debit collection for Oklahoma or Texas and I would like it to remove from my credit report immediately as well as the judgment.
Product: Credit card or prepaid card

Truist Bank closed my credit cards without any explanation whatsoever. I was approved for XXXX different credit products from them. I went to the branch and showed my ID because I applied online and they had a block on the account until I provided my ID. The block was released and I was able to use my cards. A month later, I was not able to use any of my cards at all. I kept calling customer service and they kept telling me a special department was handling it and they were evaluating the relationship between Truist and myself. They also said I would receive a decision/letter on the status and I havent received anything. This was 4 months ago. I feel like Truist has discriminated against me because of my gender and race. This type of behavior is unacceptable! 
The account in question are XXXX. XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX I was even discriminated against when I opened a business account, I was approved for a line of credit and then out of no where, it was closed. This is after I signed paperwork and it was funded to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update personal Information Dear TransUnion, I am contacting you again in regards to my credit profile and unfortunately I am still seeing that information on my report is still being listed although one inquires was deleted from my credit report from my last dispute on XXXX XXXX, 2023 it still shows invalid inquiries and a XXXX XXXX account ( XXXX ) that should have been deleted due to inaccurate personal information that was attached to the account. The name attached is XXXX XXXX XXXX. The correct spelling of my name is XXXX XXXX XXXX XXXX XXXX. This is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy and also is a serious breach of my consumer rights, and U.S.C 1681b ( a ) ( 2 ). Reason why the account is inaccurate is due to the listings of.

Personal information ( Names, address, Employments, and Telephone numbers ) Opening account dates Closing account dates Last reporting dates Above are the listings of inaccurate items attached to the account XXXX XXXX account : ( XXXX ). This company fraudulently started my account while falsely using my identity and furnished my consumer report under no permissible purpose, which is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Recently after filing a dispute for this matter. TransUnion followed up with a verification message stating that I paid a settlement. The purpose of doing so was to terminate the debt so that the debt would be relieved. Although this was a fraudulent account I figured paying it off will make it go away instead. Paying it under the agreement that it would be terminated off my report the debt collector lied and listed it as a charge off although this was never an account that I gave my permission to start with. With this letter I am also sending enclosed documents with my state and federal personal information, these documents are proof that my name was used incorrectly for the XXXX XXXX Account : ( XXXX ). For the prior inquiries that was removed on accounts : XXXX XXXXXXXX : ( Report Number : XXXX