23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} Chapter XXXX Bankruptcy XXXX Reference # : XXXX Chapter XXXX Bankruptcy XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Can't access my credit report due to i apparently have an account with them already. The thing is i have never ever tried to get my credit report thru experian before. I have never really checked my credit. So someone must have been using my social to access my credit raport, so i would like to dispute that, plus all inquires and collection on my credit report.
Product: Debt collection

ERC placed {$67.00} collection on my credit report. I have disputed this through all three credit bureaus without success. I do not owe this account and no proof was given to me. I do not even know what this account is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken with all 3 credit companies about my credit report for them to remove some things on my credit report and I've given them over 60 days so I'm reaching out to cfpb for help. I'm aware of my rights to privacy and confidentiality under 15 USC1681. I want XXXX XXXXXXXX, and transunion to remove these accounts off my report immediately.. XXXX XXXX XXXXXXXX for {$55.00} the account was closed and charged off. XXXX XXXXXXXX XXXX for $ {$410.00} the account was closed and charged off. XXXX XXXX {$800.00} The account was closed and charged off. XXXX XXXX {$860.00} The account was closed and charged off. XXXX XXXX XXXX {$1600.00} the account was closed and charged off. XXXX XXXX XXXX XXXXXXXX {$1300.00} the account was closed and charged off. XXXX XXXX XXXX XXXX {$1400.00} The account was closed and charged off. XXXXXXXX XXXX {$2600.00} The account was closed and charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and XXXX continue to fail to delete the negative information " charge off '' from my credit report despite having documentation from the government supporting my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a registered letter to TD Auto Finance registering a dispute about the account they have listed on all 3 credit monitoring companies. I disputed two things ; first a 30 day late and the second as the account was charged off. I asked for validation bearing my signature showing that I even had a contractual obligation to them. 

I did receive a response from them with some signatures that were copied but could not be verified. That letter did not list my obligation to them as I have never signed an agreement with them for payment for anything. 

On XX/XX/XXXX I sent a second letter, again disputing their reporting to the credit bureaus with the same result. Neither time did they list with the credit reporting bureaus that this was in dispute which is in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Agency.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX SC XXXX Subject : Request for Validation of Debt Dear LVNV FUNDING LLC/ CARE OF RESURGENT CAPITAL SERVICES L.P , I am writing to request validation of the debt referenced in your correspondence dated XX/XX/scrub>XXXX 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. 
Please provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original contract or agreement that created the debt. 
4. Any judgment details, if applicable.

5. A detailed account of the charges that led to the current balance.

Until you provide this information, I request that you cease all collection activities related to this debt. Additionally, please ensure that any negative reporting to credit bureaus is paused until this matter is resolved.

I appreciate your prompt attention to this request. Please send your response to my address listed above within 30 days of receiving this letter. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

this about the account with convergent outsourcing. The dispute results that were sent to me were not what i asked them to correct. I requested the account to be deleted from collections because one of their representatives whom I called and spoke with falsely reported their company would remove the debt from my credit report if I agreed to pay the settlement payment which was agreed to. But the debt is the still on my credit report. So, my complaint is I was lied to and promised something that I was trying to do in good faith. I know the phone call was recorded and would and it will have the entire conversation on that day. I would like them to present it to your company so you will hear exactly what was said. it will let you hear the young lady i spoke with promise to delete the account if i paid the settlement. I did exactly that. But the account is still listed. This is false representation and deception to the consumer who has trusted these agencies and is trying to do what is right to resolve issues on their credit report.
Product: Credit card

I have a PayPal Credit account with a payment due date on the XXXX of each month.  A few years back, I called to ask them to move the due date to the last day of each month as that is a payday for me.  I was told not to worry about it, and that as long as my payment was made on the last day of the month, I would not be charged a late fee.  I logged in this morning to find out why my balance hasn't gone down much lately and I find that I've been charged XXXX late fees, totaling $XXXX, in the last 2.5 years.  I called customer service this morning to try to alleviate the problem and was told that they would only waive XXXX fees, unless I could tell them the exact date in which I spoke to the representative who informed me not to worry about the payment due date.  I obviously could not come up with the exact date from a few years ago.  There is no way that I would logically be OK with paying a late fee almost every month and not do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored this document. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me.They are not adhering to section 605b by blocking or removing it from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The accountis as follows : XXXX  XXXX Date opened XX/XX/2021 XXXX : {$26000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

XX/XX/2019 my husband XXXX XXXX XXXX applied for Apple Credit Card and was approved at approx 11 % interest with XXXX limit. I went on 5 minutes later and was approved for 23 % interest with a $ XXXX limit. We are a small business owner and have same credit debts. Why would my interest be so much higher and my credit limit be so much lower than my husband.
Product: Debt collection

Repeated collection letters about debt owed when auto was reposessed and austioned for less than amount owed. 

Lost employment and ability to pay loan after a XXXX in XXXX. Have informed collection agency of inability to pay on several occasions but new collection letter is sent every six months.
Product: Credit reporting or other personal consumer reports

Credit Agencies, XXXX,, Trans Union and XXXX are all reporting inaccurate harmful information on My Credit Reports.

Only My current address and information should be displayed on My Credit reports in accordance with Fair Credit Reporting Act - ( FCRA ).

Credit Reporting Agencies, XXXX, XXXX and Trans Union are " All '' reporting a XXXX XXXX  Account on My Credit report that is " CLOSED '' and should be removed. 

Displaying " INCORRECT NON-CURRENT '' information on My Credit Reports Violates the Fair credit Reporting Act, ( FCRA ) 15 U.S.C. 1681 and 15 U.S.C. 1681e. This is against the law and is Harmful to Me.
Product: Money transfer, virtual currency, or money service

I tried to remit money to my account in XXXX which I have always done with Western Union. I selected the transaction and they sent me information where I have to deposit the money to which was their account with XXXX XXXX XXXX. I went to XXXX  XXXX XXXX and presented the information they sent to me and gave them my bank card which they used to do the cash advance from my account and deposited the cash to Western Union account with XXXX XXXX XXXX. I called Western Union to report that the transaction have been completed so they could complete it on their own end but they told me its suppose to be wire transfer which I have never ever made before. Then they said they will refund me my money, it been three weeks yet I have not received my refund and one of their agent cancelled my transaction without my consent or even refund. All of a sudden, they again turn around to say they never received my money after one of them confirmed receiving the money. I went back to the XXXX XXXX XXXX couple of times and one of the banker who was a witness spoke to Western Union agent on the phone and told them to send my money back if they will not do the transaction, yet till this day I have not seen my money. Spoke to XXXX XXXX XXXX Manager who was aware of the situation, he asked me if I think is a fraud and I told him if its a fraudulent account he will have to know but he never responded and told me to continue to wait for them to send my money back to me. Please see the attached evidence that the payment was made cash to the account they sent me. 
I have showed them evidences severally, yet they are holding unto my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a collection account with Transworld Systems on my credit report, which was based on a past due balance with XXXX XXXX XXXX XXXX. I knew that I did not owe any money to XXXX, so I provided proof to XXXX  that the debt was not valid. XXXX stated that they would recall my account from collections. However ; the collection agency has updated my credit reports so that it now shows paid in full which is incorrect. I have not paid on any collection nor have I paid any amount whatsoever to Transworld Systems. This inaccurate collection account needs to be removed from my credit reports immediately. I have disputed with the credit bureaus and the information was falsely validated by Transworld Systems twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I received notifications from several credit monitoring services that my credit report had been accessed. Someone had tried to open a XXXX XXXX XXXX credit card through XXXX XXXX. I immediately called XXXX XXXX and let them know this was a fraudulent inquiry and I completed the steps they advised me of in order to have the fraudulent inquiry removed. When reviewing my credit report yesterday I noticed that the the hard inquiry was still reporting to my TransUnion report. I called XXXX XXXX again and I was advised by the lady that answered that there wasn't anything they could do, that I would have to dispute the account directly through the credit bureau. I advised that I had already informed XXXX XXXX the inquiry was fraudulent approximately 18 months previously and they were the ones who needed to fix the mistake.
Product: Mortgage

I have gotten divorced and my husband and I contacted the VA in options for what to do so that he could be the only one on the mortgage. The VA advised us to complete a "  Release of Liability '' once the divorce was finalized and I had completed and had a quit claim deed filed. I completed all that, and the  VA advised me that by law, the mortgage company had to remove me from the mortgage due to federal regulations and the fact that they were bound by the laws of the VA. The VA approved my release of liability. I provided all this to Everbank in which they just kept telling me I had to refinance and they refused to use my name.  XXXX  and  XXXX  in  Client Services proceeded to b elittle me and explain what a mortgage was and that I did n't know what I was talking about. They refused to check the VA handbook and just told me that my request was denied. I went back to the VA who provided again proof that they had to remove me, and they are still refusing even though I showed that them that they were required to by law or could face repercussions. They still refuse to remove me, even though the law and regulations say that they have to. Everbank has all the required documentation, including the VA approval letter,  the Quit Claim deed, my  Dissolution of Divorce etc. I am being harrassed to re finance because they want to meet some sales goal or make more money.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX La XXXX XXXX XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX XXXX, NM, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding persistent inaccuracies in my credit report maintained by Experian.

Specifically, the phone number listed on my credit report is outdated and incorrect, which has caused difficulty resolving identity verification issues with potential credit lenders The phone number currently listed on my credit report is XXXX ( incorrect phone number ). 

My correct, current phone number is XXXX ( correct phone number ) Under **15 U.S.C. 1681e ( b ) **, credit bureaus must follow " reasonable procedures to assure maximum possible accuracy '' of consumer report information. An outdated phone number violates this requirement, as it prevents lenders and other authorized parties from contacting me to verify or resolve credit-related matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is old and dont recognize it and i need it tooken off my account
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX Bal. {$7100.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$610.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit card to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Date ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this importantmatter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian report number XXXX XXXX XXXX acct # XXXX off of {$220.00} showing a balance of {$200.00} with {$2.00} past due XXXX  XXXX XXXX Acct # XXXX charge off of {$1400.00} showing a balance of {$1300.00} and a past due balance of {$1300.00} XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX {$1400.00} showing a balance of {$1400.00} and a past due balance of {$1400.00} These XXXX accounts are a violation of the FCRA and is also in violation of requisite XXXX  XXXX Compliant reporting standards. According to the Fair Credit Reporting Act I have the right to a fair credit report. I have pointed out these inaccuracies to Experian and they have not corrected my credit report.
Product: Money transfer, virtual currency, or money service

I can not login my Coinbase account because it keeps requiring XXXX text to my old number and have tried to resolve ths with support numerous times and theyve continuously lead me in a big circle and Im fed up with this I just want access to my account to get my funds.
Product: Credit card

XXXX XXXX XXXX  - I made an over the phone payment with Concora Credit with their overseas customer service department and the representative enter the wrong account information in the payment system. 

XX/XX/XXXX - I received an update on my credit report that my account with Concora Credit XXXX XXXX XXXX  was 90 days late. 


XXXX XXXX XXXX  - I contacted Concora Credit and I requested that they let me listen to call where they indicated that I gave the customer service representative the wrong account number and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto inquiries on my credit report I did not authorize