23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was involved in a motor vehicle accident on XX/XX/XXXX when a young lad hit me from behind while I was in my pick up truck. It caused XXXX XXXX XXXX and I ended up having XXXX on XX/XX/XXXX. My XXXX XXXX coverage deductible of {$5000.00} was paid and after the XXXX I received an invoice from XXXX XXXX saying I owed them over {$3000.00}. I was told my deductibles were covered and I was not going to pay anything out of pocket. They have since sent this invoice to collections and it has affected my credit. I asked them to provide proof that I signed for the ir services but they have not yet done so. Please assit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I have reported to the credit union about having XXXX XXXX XXXX on my credit report I have know Idea who this person is my ID check was stolen by this person was reported in XXXX MN in maybe XXXX some where are that year it has been a long time. Please remove. I also notice under Soft Inquiries there are a list of XXXX XXXX  on my credit report I have not request for any credit from any one these company I never called them or filled out any paper work not sure how they got my name I really appreciate if all of wrong information be removed ASAP. Only thing since my Bankruptcy should be on my credit report is XXXX which is the only credit card I have which I just required in XX/XX/XXXX. I have not request any other credit card you have XXXXXXXX XXXX as and error please remove. I am trying to keep my credit on the right track. Thanks
Product: Money transfer, virtual currency, or money service

After trying to transfer XXXX  to a XXXX XXXX XXXX I was notified that there was a security hold on my account. I reached out to Gemini to resolve. I was provided ticket # XXXX. I have provided all requested information and no resolution has been provided. I am reading that many customers are having similar issues.
Product: Payday loan, title loan, personal loan, or advance loan

Have made numerous attempts to speak to someone with Possible Finance to resolve debt. Have not been able to reach anyone via phone or email. Have made attempts for months. Late payment history is not my fault and is inaccurate.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I want to express my appreciation for your efforts in removing some of the incorrect items from my credit report. However, there are still outstanding items that need to be addressed. This complaint serves as a follow-up to my initial complaint dated XX/XX/XXXX, as I continue to be affected by mistaken credit reporting. I am submitting this complaint to dispute the remaining inquiries on my file, which do not correspond to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. Please remove the following inquiries from my credit file as they result from inaccurate credit reporting : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX . According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, provided with ( 1 ) appropriate proof of my identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the disputed information ; and ( 4 ) a statement affirming that the disputed information is not related to any transaction I conducted.
Product: Credit card or prepaid card

I was charged an annual fee of {$59.00} for my Capital One Venture card on XX/XX/2018. A couple days after that date, I called Capital One to downgrade my card to a " Venture One '' card which has NO annual fee. I was informed that the annual fee would be reversed, but I did not see the credit after one month. 

Today ( XX/XX/2018 ), I called the bank to inquire about the fee, and I was told that they can not waive the fee. I believe this is unfair because 1 ) I downgraded the card after a few days of annual fee posting and 2 ) I will not be receiving the benefits that the annual fee provides.
Product: Debt collection

Under the ftc guidelines ( ( d ) Consumer Report 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The company is reporting late payment transactions to all three credit bureaus after the account has been delinquent more than 6years
Product: Debt collection

I hope this message finds you well. I am writing to address a concern regarding my credit file. After contacting XXXX XXXX, XXXX, and XXXX XXXX about the accounts on my credit report, it's evident they can not provide records for the mentioned accounts. ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ) However, representatives from these banks have acknowledged the situation and agreed to update my credit file.
Product: Credit card

The company responded to the case that I had filed with CPFB and they provided false information. I did not accept all fraud charges as valid and only charges that were mine were valid. This is not done and I want them to actually help me solve this issue that has been going for a year and they have not resolved it.
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX, I was attempting to make a partial payment on a hospital bill for my mom. After I entered my Citi Costco Visa credit card information, I noticed that the XXXX system used to process online payments had taken the full amount of the bill instead of my intended partial payment. This incorrect payment amount was for XXXX which also exceeded my credit card limit ( {$8500.00} ). I immediately called the number for XXXX but did not get a response so I sent them an email. Additionally, I emailed XXXXXXXX XXXX XXXX and also called XXXXXXXX XXXX XXXX ( XXXX ) XXXX who told me to call my credit card company as XXXX XXXXXXXX XXXX was not able to cancel or decline the charge from their end. I then called and disputed the charge using my online Citi Costco Visa account and also talked to my credit card customer service ( XXXX ) who told me that the merchant would have to decline the payment as the payment had already been approved and was pending. The visa customer service said they could be able to put a credit for the dispute but the amount would have to post to my account first. 

On Tuesday, XXXX XXXX after the amount was posted to my visa account, I called XXXX XXXX again and they told me that they could not cancel the payment. However, they told me that I could talk to my credit card company to cancel the payment from their end. I spoke with the head supervisor ( XXXX XXXX from XXXX XXXX XXXX XXXX ) who assured me that they would take note of the payment error and would not challenge the dispute when they heard from the credit card company. 

On XX/XX/XXXX, I submitted all my documentation requested by visa including a detailed description of all the attempts that I had taken to get the transaction corrected. 

On XXXX XXXX, I received an email and letter on my account stating that my issue had been " Resolved-Customer Responsible '' and the investigation had been closed because they " did not receive a complete response to our letter that was requesting additional information for this dispute. Therefore, we have closed this investigation. '' All of this information I had submitted to them on XXXX XXXX. I then called customer service again and they confirmed that my documentation had been received but that the investigators had possibly not looked at it. The case was therefore reopened and I was given a XX/XX/XXXX date for the case to be resolved. 

I waited and after not hearing any progress, on XXXX XXXX I visited XXXXXXXX XXXX XXXX  and spoke with XXXX XXXX directly in person. She stated that they are still waiting to hear from Citi Visa and had no records of contact from them. I then emailed Citi Visa requesting confirmation that communications had been made. I did not receive any response. 

I called customer service again on XX/XX/XXXX and he told me that no status was available but that he was going to follow up with the investigators and that I would receive some status update in 3-5 days. I have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX; Experian and XXXX are reporting incorrectly a charge-off on the XXXX/XXXX – partial account number XXXX.  (Please see page 15 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.
Product: Student loan

I have the receipts of payments! Yet they are reporting me delinquent on payments. This needs fixed! Im not making anymore payment till this is corrected. The amount they are requesting is incorrect!!
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED.

I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Product: Credit reporting or other personal consumer reports

So there are multiple accounts on credit report starting from about two years ago XXXX is fir XXXX Other is for XXXX And then there is a car loan that I never got but here is the proof of identity stolen
Product: Debt collection

I was evicted from XXXX XXXX XXXX XXXX in XXXX. The Judgment was XXXX for for XXXX XXXX XXXX XXXX but on XXXX  XXXX  they added $XXXX to the judgment I tried to dispute this I tried to reason with the collection agency National Credit Systems that it was $XXXX over why is it that high the send me a breakdown oh why it's $XXXX  over the limit no respond so I can consult a lawyer XXXX XXXX I hired as my attorney . This account need to be investigated brought to your attention.
Product: Debt collection

This is a property I never had a Lease or any legal obligations to Only used this as a Mailing addres. When landlord wasnt paid he came after everybody including the lease holder. Which was settled between the landlord and lease holder. But The landlord continued to seek more money from others whom used address also
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXeported a late payment in XX/XX/ has violated my rights.

15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as a late for any purpose.

I greatly appreciate your attention to this matter and your commitment to upholding consumer rights. I request that you keep me informed of the progress and outcome of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting documentation ( Paper Trail ) I have submitted many documents and have given each respected company more than enough time to respond accordingly, There needs to be upheld justice, companies must follow the Law The FDCPA is clear on its laws and each company that is listed below have violated my reputation and I demand answers accordingly to each violation represented.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>. 
It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

EQUIFAX Has now returned to my credit report, an account that is in charged-off status which is the result of credit card fraud. Fraudulent charges began in XXXX, and led to the charge-off in XXXX. I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have already once submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, however I have been refused my rights as afforded to me by the FAIR CREDIT REPORTING ACT. This is now my XXXX attempt, after more then a month has passed since the first, with no action taken by the companies involved ( XXXX, XXXX, XXXX, Equifax ). I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a POLICE REPORT with XXXX XXXX XXXX, in regards to the fraudulent use of said credit card. The Account number for the XXXX  XXXX credit card I am referring to is : ( ACCOUNT NUMBER XXXX - XXXX XXXX ). This will be my last attempt before I pursue litigation if my rights are continuously violated. Thank you.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX/XXXX/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX **** Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To : CFPB, TransUnion, XXXX, XXXX ; XXXX XXXX XXXX XXXX; I am submitting this formal dispute regarding the inaccurate and inconsistent reporting of my TDRCS/Jordans Furniture account ( Acct # XXXX ) across all three major credit bureaus. The discrepancies are as follows : TransUnion and XXXX report a balance of {$910.00}, while XXXX continues to report an outdated charge-off balance of {$5900.00}. 
This account was settled for {$3000.00} in XX/XX/year>, yet no accurate updates have been made across the credit bureaus. 
I have not received the required IRS XXXX form for the forgiven portion of the debt, raising further compliance concerns. 
Despite multiple attempts to resolve this matter with both the original creditor and the credit bureaus, the account remains inaccurately reported, in violation of the Fair Credit Reporting Act ( FCRA ) : Section 623 ( 15 U.S.C. 1681s-2 ) : Obligates furnishers of information to ensure accuracy and completeness when reporting to credit bureaus. 
Section 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct disputed information promptly. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently took enforcement action against XXXX Bank, XXXX, which owns XXXX XXXX, for similar violations. In XX/XX/year>, the CFPB cited XXXX Bank for repeatedly furnishing inaccurate consumer information to credit bureaus, failing to correct errors, and neglecting reasonable investigations into disputes. The CFPB ordered XXXX Bank to pay {$7.00} XXXX in restitution and a {$20.00} XXXX civil money penalty. This case highlights systemic issues with TD Banks reporting practices and further supports my request for the removal of this inaccurate information. 

Supporting Evidence I have attached documentation that demonstrates : The discrepancies in reported balances and account statuses across TransUnion, XXXX, and XXXX. 
Proof of the settlement payment made in XX/XX/year> for {$3000.00}. 
Screenshots of the conflicting information, including incorrect reporting dates and balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. I was decline for a good rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX. XXXX