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

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 
Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank # XXXX and XXXX XXXX # XXXX are double reporting on my account. Capital One was sold to XXXX XXXX  but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.
Product: Debt collection

I knew the debt was owed, and was making small incremental payments to the original company. They proceeded to send the debt to a collection angency, CBSA Collection, who had the wrong amount owed, told me that the management company said I was not paying or paying too slow. Since that time, I ageed to pay on the account by the 10th of each month, the amount of {$50.00}, which I pay every month and have not missed a month. BUT, every month, I have to contact the company, because the website is always down and unable to access it to make the payment like I should. This month, they have not fixed the website at all, and I am going to have to call and make a payment over the phone. They charge me {$4.00} to make the payment on the website and yet the website is always down. They also report to the credit agencies that the payment is always late. 
This has become a frustration, especially at this time with finances being tight due to the many shutdowns, and it is like they do not want me to make the payment so they can harass me.
Product: Money transfer, virtual currency, or money service

I recently purchased XXXX MoneyGram money orders in the amount of {$500.00} in a small town in XXXX XXXX, unfortunately these were stolen from my residence. Whom ever took them took the other portion of the MoneyGram money order check also. The checks were completely filled out by me personally to whom the receiving end would be with MY name & address on them. I have no way of finding these # 's on these $ orders & am getting NO help from MoneyGram at all without the numbers! I KNOW there could not have been very many orders purchased for that amount in this area. I also KNOW they have access 2 that kind of information & I have none. So now I am behind 2 months rent instead of being 2 months ahead! I have a feeling I know who stole them & could also figure out either where they cashed them or possibly deposited into there personal bank account. I can guarantee the orders were tampered probably with white out which should be a HUGE red flag but they more than likely they deposited them into their bank account after hours knowing there would be nobody XXXX question them. I doubt they even erased MY name from the orders plus u can completely see the handwriting difference in his writing & mine, it HAS helped me in my defense before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dropped my credit score by three points on XX/XX/21 and XXXX lowered it by two points for new balances on my XXXX card for {$110.00} and XXXX XXXX card for {$11.00}. This is insane and abuse of power. I am using less than 0.5 % of my credit line and both balances have been paid in full. This should not have been allowed to occur. They have done this to me in the past a few times and I am not going to let this continue.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, numerous unauthorized inquiries, incorrect credit reporting, billing errors, and accounts that do not belong to me. 

I am seeking assistance to address and resolve these matters to restore my financial security.
Product: Debt collection

The company Monterey Financial has continued with attempts to collect a debt that was included in bankruptcy as XXXX XXXX2016. They have gone as far as reporting this debt in different amounts twice on my XXXX credit report on XXXX XXXX, 2016 after the filing date of XXXX XXXX which violates the FCRA along with repeated phone calls violating the automatic stay from the bankruptcy filing. They have also verified that this account still has a balance and is not included in bankruptcy on all XXXX credit reporting agencies which is another violation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Removal of Unverifiable Account from Credit Report Dear Sir/Madam , I am writing to formally request that the credit reporting agencies ( CRAs ) immediately remove the account listed as a charge-off from my credit report, which was reported by XXXX XXXX. This account has been deleted from my XXXX credit report following a dispute I filed and which was completed on XX/XX/year>. XXXX has verified that the account is no longer reported, and I am requesting that all other CRAs do the same, in accordance with the law. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that is inaccurate, incomplete, or unverifiable. As XXXX has deleted this account due to its unverifiable nature, it stands that the other CRAs must also verify or delete the account. The FCRA mandates that credit reporting agencies conduct a reasonable investigation and only report accurate information. Since XXXX has determined that this account can not be verified and has deleted it, I am requesting the same be done by your agency. 

In addition, I would like to bring to your attention the following relevant consumer laws that protect me as a consumer : 1. **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681** : The FCRA mandates that all information reported to credit reporting agencies must be accurate, complete, and verifiable. If an account is found to be unverifiable, it must be removed from the report. 

2. **FCRA Section 1681i** : If any information on my credit report is found to be inaccurate or incomplete and can not be verified, it must be deleted within a reasonable period. 

3. **Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692** : This act protects consumers from unfair debt collection practices and ensures that only accurate information is reported and retained. 

I am requesting that you review my file and remove the unverifiable account from my credit report within 30 days from the date of this letter. If this issue is not resolved in the prescribed time frame, I will not hesitate to pursue legal remedies available under the FCRA and FDCPA, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and seeking legal action for damages caused by the inaccurate reporting. 

Please provide me with written confirmation of the accounts removal from my credit report within 30 days. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not possess this vehicle. this company still reporting this account each month
Product: Student loan

Aidvanatge is the current services for my loans. I applied for my SAVE plan on XXXX XXXX on XX/XX/23 and was told to do it again on XX/XX/23 and XX/XX/23. All documents have been submitted and I have callers over 100 times to try to get answers and all I am told is it will take 10-15 days to process. I have been cursed out and hung up on and talked to rudely by the customer service representatives and have yet to have my payments updated to reflect the new payment plan. I have been repeatedly been told the issue has been corrected but it has not.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$1000.00} This was a fraudulent scam involving a XXXX XXXX XXXX. 
Company refused to take liability for one of their customers, which they verified as a real and true person.

Company refuses to use their bond and insurance to recover the funds.

Company refuses to supply their underwriting company and information.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act.
Product: Credit reporting or other personal consumer reports

Navient posted incorrect late payments on my credit reports. I was unable to qualify for a home and this issue has been devastating to me and my family. Starting in XXXX, Navient promised to remove two last payments if I made three timely payments in a row. They did not correct the issue. Furthermore, they also confirmed that my loan was approved for forbearance between XXXX to XX/XX/XXXX. My accounts still show 5 late payments on them each. I have contacted them multiple times and have had no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days and the creditor has not updated my information not has provided prove or documentation on regards a late payment. they have not supplied this information and they must delete this information from my credit report. under federal law they 30 days to do the investigation and failing to do so the item must be delete.
Product: Student loan

There is not assistance with this company. They tell you that you are a preferred customer. I called to get help making payments, I am currently unable to make payments. There is no deferment, there is no forbearance, there is no help at all. I have been even trying to refinance or consolidate with another company, but I am having zero luck. I called even spoke with a supervisor. Basically I was told there is nothing they can do. I was advised that they do not report to credit bureau until 3rd missed payment so If I can make smaller payments to add up to one months payment, it would set it back. How on earth is that suppose to be be of any help. They offered no help. no guidance pretty much leaving you screwed. Even during covid- there was nothing. It keeps increasing, racking up higher and higher with interest. I can not even find any company to refi with. I am trying to get out of this company. They are not helpful, no guidance no forgiveness. I have tried multiple times to talk to someone and get some help or guidance. All I get is that I am sorry we have changed our guidelines and can not help you. I am currently trying to seek some assistance elsewhere, I may even contact Legal assistance for help- Public maine legal assistance. I do not know where else to turn. It is affecting my life tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit profile that were not made by me. I have been in contact with the credit bureaus and they have not resolved this issue. I would like all these incorrect inquiries to be removed from my credit report. Please see info below : XXXX XXXX SSN : XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Coaf- XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank- XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries on my credit report. 

I reported fraud XXXX times with the FTC. Files XXXX police reports as well. 

XXXX with XXXX XXXX and XXXX Police XXXX. 

I would like to have the inquiries removed. 

Also there is XXXX item that is not my account with Portfolio Recoveries Acct # Accounts # XXXX and XXXX. 

Please help as I have sent in a request to XXXX on XX/XX/year> and was requested to send the original letters. I sent it again on XX/XX/year> and XX/XX/year>. 

Thanks
Product: Credit reporting or other personal consumer reports

US BANK has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is XXXXne account and one inquiry on my credit report that is not mine I have sent letters to the bureaus as well as the furnisher reagrdign this and nothing is being done for this I need help please. 

XXXX XXXX - Account XXXX Date opened XX/XX/XXXX Amt {$0.00} Inquiry XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

Victoria secret {$1000.00} we havent not used this card since XXXX as it got lost with everything in my wallet and due to personal problems and spouse XXXX  XXXX XXXX  in his XXXX had to stop working is currently dealing with a lawsuit as they dont want to give him his XXXX XXXX so at the moment we have no steady income. We are very worried about this amount increasing and hoping you can help in any way possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. edfinancial  XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There has been an inaccuracy on my credit report due to someone unauthorized inquiries, In Accordance with the FCRA section 611 for inquiries the following companies violated my consumer right. I do not authorize none of the inquiries listed below please kindly investigate and remove. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( bank ) XX/XX/XXXXXXXX XXXX
Product: Debt collection

I spoke with the collection company in XX/XX/XXXX on a 3-way call with XXXX. I explained that while the collection was obtained in XXXX that the charges are cumulative since at least XXXX, maybe older. I advise of bankruptcy in XXXX. I advised I need verification of service dates to determine if all or part of the debt is collectable. I was told in XXXX to allow one week for the collection company to obtain the information from the original creditor. Its now XX/XX/XXXX, and today the collector indicated they dont have information about service dates. One payment to the collectors was made via XXXX ; but I will cease payments until the information promised in XX/XX/XXXX is verified and provided.
Product: Credit reporting or other personal consumer reports

I am asking for your support regarding this misleading account on my credit report. I have brought this issue to your attention because it is damaging my reputation, and I require your assistance. Your failure to manage my credit report properly has severely impacted me, leading to the destruction of my reputation due to your incorrect reporting. It is crucial that you clear this misleading information from my credit report.
Product: Debt collection

On XX/XX/XXXX I received a settlement letter for a debt of XXXX from XXXX on behalf of XXXX XXXX the letter said I could settle my debt by paying them XXXX. By paying this amount XXXX would close the account and contact the 3 credit Bureaus and remove the negative collections from my record informing them this had been settle. After that I notice the negative collection was removed. So I was happy about this.. 

XX/XX/XXXX rolls around and I see the same account with now an amount of XXXX posted to my credit report as an open account with XXXX XXXX in collections. 

I reach out to the XXXX number on my letter and the woman on the Phone says that they are no longer XXXX they are now call resurgent capital out of XXXX SC. I went ahead and told her that I notice a closed account that I had remove from my credit report was now showing back on the credit report. I informed her of my settlement with XXXX and provided her with a confirmation. She went on to say that they bought these debts account from XXXX and that although my account was settle with XXXX on behalf of XXXX XXXX that in their record my account was still showing open so they reported back to the credit bureau and that they could not help me in removing this negative collection from my records. I ask how could they buy closed accounts that were settle at one company and try to recollect additional money from the consumer. She had no answer and informed me that her company does not remove settle collections from the credit bureau even if they are settle. Why would I be told that this was to be removed by XXXX then remove from my credit report to be sold to another company and reprocess again as bad debt. How are these companies allowed to do this. And how is the credit bureau protecting the consumer from such fraudulent processes. This is fraud in so many levels. I believe this should be investigated
Product: Credit reporting

I went to XXXX and requested my Transunion report. The process took me to Transunion 's website, where I could not view my credit report. I tried to do the process again, but the site told me it could not give me my credit report because I had already requested it. When I tried to contact their customer service, everything was set up for different inquiries and there was no way to chat with the people except over phone which I did not want to do in my office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX was looking at my credit report and saw that I had some inquiries that wasn't mines. I didn't give these companies permission to run my credit. I am a victim of identity theft please delete these accounts. XXXX XXXX XXXX XXXX inquiry date of 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 XXXXXXXX.
Product: Debt collection

I believe the previous owners of Cedars Financial and XXXX XXXX are still operating under Cedar Business Services attempting to collect debts that are invalid. They were banned from operating in 2019, but I believe they are linked to and still operating under Cedar Business Services. 

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

I didnt give any information to XXXX  or trans union they are mishandling my personal information which is putting false collections on my report as the consumer I want things deleted
Product: Credit card or prepaid card

I was given a Netspend Debit VISA as a gift. On the card it says to activate call or go online so I went online instead. Filled out the form then its asking for my SSN. I stopped then I received an email stating that they put a hold on the fund unless I email them a photo copy of my SSN, DL and a current utility bill. I sent an email that I do not want to open an account and simply just want to use the gift card. Their respond was to call their XXXX number. When I called, its asking for the last 4 of the SSN. I dont have any so Im hoping if I waited I would be transfer to live customer service, instead it hanged up the call. I sent an email again and they keep referring me to call the number when I specifically mentioned that I did and I cant get no one to speak with.