23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recieved an alet from reporting agency that there was activity on my report I looked at report to find XXXX XXXX was listed as putting me in collections I called the number listed and they told me they could not giv me any information they could only talk to my lawyer.it was for somthing with Citi that shows in the collections box for {$2000.00} I have never in my life had any citi bank accounts or credit cards and they wouldnt even tell me what is was for. I recievd a letter about a year ago to my dtrs house from citi stating that someone was tying to open a checking accont on line in my name and my daughters address they had me talk to the fraud dept who assured me the checking account was not opened. 
I have heard nothing after that until my credit report shows this collection agency for Citi and a balance due of {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged unauthorized inquiries.
Product: Credit card or prepaid card

I have two taken advantage of two promotions on my Bank Americard. The first promotion that I applied for several months ago ends in XX/XX/XXXX, at which point the interest rate will skyrocket. The second promotion, which I applied for just a couple of months ago, ends in XX/XX/XXXX. I have been making automatic payments of {$1000.00} a month which should have the first promotion paid off before the XX/XX/XXXX deadline, but BoA is using nearly all of my monthly payments to pay off the promotion that ends in XX/XX/XXXX first? This is unethical on so many levels I don't even know where to begin. Why can't my monthly payment pay off the first promotion first? I mean seriously, on what planet is this not an obvious attempt by BoA to force me to pay a higher interest rate by forcing me to pay off the second promotion first? This is not only unethical, but it's illogical, irresponsible, and downright dirty. 

I applaud things like your Neighborhood Builders program and your Veterans lending programs, but policies like this one that I've fallen victim to cast a dark shadow over your entire corporation in my humble opinion. I'm confident that you'll do the right thing and end this unscrupulous policy, for your sake, not mine. Do this for yourself, because poisonous policies that are designed to hurt your customers are only going to hurt BoA in the long term. Thanks for listening and have a great day.
Product: Credit reporting or other personal consumer reports

Thank you for addressing the erroneous entries on my credit report. However, there are still items that need to be removed. This new request highlights the impact of incorrect credit information on my file. 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 XXXX business days, provided I submit : ( XXXX ) Appropriate proof of my identity ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) Identification of the disputed information ; ( XXXX ) A statement declaring that the information is not related to any transaction by me. The following items are inaccurate and need to be removed from my credit report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX ========EQUIFAX : XXXX XXXX XXXX Balance : {$120.00} XXXX XX/XX/XXXX XXXX : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX If you claim these items are accurate and verifiable, please provide copies of any documentation associated with these items that bear my signature, as I believe none exists. When no such signed agreements are found, please remove these items from my file. I am aware that non-compliance with the FCRA statute is common. If my request is ignored, I will refer this matter to my attorney. I urge you to resolve this without escalating to a legal dispute. You have XXXX business days to remove the erroneous items from my credit file. I do not consent to XXXX or any automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates. Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) account must be deleted if not 100 % accurate, timely, complete. I have a XXXX XXXX account listed on my credit file each bureau have a different account number which I do not recognized. ( See Attached ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject XXXX Dispute of Incorrect Personal Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate personal information reported by TransUnion and XXXX on my credit reports. The information in question is misreported and must be corrected as it impacts my creditworthiness and personal records. 

Below are the specific details of the incorrect information : - **TransUnion** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to have accurate information reported in their credit files . Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

My correct personal information is 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 I request the CFPB to investigate this matter and ensure that TransUnion and XXXX update my credit report with the correct personal information.

Please find attached copies of my identification documents and credit reports highlighting the discrepancies. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Back in XXXX I disputed a debt from XXXX XXXX on the account XXXX. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call XXXX funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had XXXX of the credit bureau 's call XXXX way with me on the phone on a recorded line that XXXX should be able to provide. They verified to the credit bureau the account was not in dispute. Yesterday the dispute verbiage showed up again and again XXXX told me it was the credit bureau and specifically referenced Equifax. I called and spoke to XXXX at Equifax who confirmed it was not her company that requested it. She then saw all my contacts and suggested I file a formal complain through the FTC. I have been told this is a way to hold my credit hostage to try to get me to pay the debt because the company knows that due to new FHA guidelines a dispute will hold up a closing of a home. This should be an illegal practice. Per Equifax they have once again removed the dispute and I have once again put it in writing for XXXX XXXX that this account is NOT disputed. We went through a tragic circumstance with my son who is now on XXXX and this continued stress inflicted by this company should be dealt with. Thank you very much!
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Fraudulent activities occurred to my Robinhood account without my authorization. An unknown user compromised my account and withdrew {$7000.00} from my account.
Product: Checking or savings account

The bank locked me out of my account one week ago. It said security alert. Why? I did not forget the password I have Face recognition on my XXXX. My online account tells me to chat online but you can not without having to log in which the bank will not allow me to do. It gives a number to call XXXX. I have called that number daily for one week. No one answers the phone. They put you on hold and leave you waiting for hours and do not answer. Today I have been holding for over 2 hours. I received a notice stating that the account had an overdraw one week ago. I do not know if it is my transaction or not. I cant log on to find out. I have take screen shots of the wait times.
Product: Student loan

I got late payments in 2018 from nelnet and they were only sent to me on the nelnet account they said. 
I don't feel that is right to not contact someone about bills and just send them on nelnet. I had no idea and it's really hurting my credit for no reason. 
All small amounts i would of loved to of paid if i knew about them.
Product: Money transfer, virtual currency, or money service

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: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

Transunion is reporting a collection account that was paid in full with the original creditor before the collection agency starting reporting the account as a collection and I have received a letter of verification stating that the account was paid in full and that it was a error of miscommunication and the collection agency requested the account be removed from my transunion report immediately. Ive submitted the letter to transunion and the account is still reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report I notice an inquiry from XXXX XXXX XXXX XXXX on XXXX that I didn't authorize. I would like this incorrect information to be removed off my credit report please. 

Again, the XXXX was from XXXX XXXX XX/XX/2022 that i didn't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate items reporting on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a Comenity Bank Burkes card. My house burned down, XXXX XXXX XXXX, XXXX, KY XXXX. I lost everything except my life. Once I got going again, the Burkes card had gone into a charge-off. I tried to fix this issue. I made {$100.00} payment XX/XX/XXXX to begin paying it off. It was sold to XXXX XXXX XX/XX/XXXX and the {$100.00} payment was not applied to the balance. Comenity Bank sold an inaccurate balance amount and I believe this is a FCRA & FCBA violation, reporting and verifying inaccurate information. 

I mailed a validation letter to Comenity Bank, no reply. I believe this is also a violation!
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct false and misleading entries on my consumer report have been unsuccessful. These inaccuracies have severely disrupted my life and caused considerable distress. I emphasize that I never authorized this information, as I've been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 with my written instructions
Product: Credit reporting or other personal consumer reports

I disputed an incorrect bankruptcy listing with this company. They claimed it was verified by XXXX. I contacted XXXX, which investigated and deleted the incorrect information. I then provided Experian with a letter from XXXX confirming the deletion. However, Experian continues to state that the bankruptcy is verified by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Product: Debt collection

NCP Finance Limited Partnership {$1200.00}. I have no idea who this comapny is. Can they provide me the original application, ssn #, copy of signature, DL #, & current address.
Product: Vehicle loan or lease

credit pulled multiple times without my consent. ultimately ending up opening an account without my permission or consent pushing it with the manipulative sales tactics..
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous dispute because all of my student loans with Sallie Mae are paid off. They removed all but one of the student loans. I have notified them and also the credit reporting agencies and Sallie Mae still won't remove the balance and report the loan as paid.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2021 I requested debt validation for an " alleged debt '' from ACIMA CREDIT. I allowed 30 days for the company to respond and received NO documentation. ACIMA CREDIT violated 15 USC 1692g by not providing validation and 15 USC 1692j by furnishing this deceptive information on my credit reports. I have sent the debt collector a Cease and desist and have demanded they remove this invalidated information from my credit reports and their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. My name is XXXX XXXX. Im writing you because an entry appears on my credit report that states I filed a Bankruptcy in your district. Could you please explain to me how this might occur, because to my understanding only the last 4 digits of the debtor social security numbers are released pursuit to rule 9037. Any information you could provide would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

This morning, I noticed several unauthorized inquiries on my credit report, and Im at a loss for why theyve shown up. I check my report regularly, but this time there were unexplained discrepancies. I refreshed my browser, thinking it was a mistake, but the inquiries remained. Please resolve this issue as soon as possible by reviewing the documents Ive sent so I can stop worrying about these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX in full on my Home Equity line. I tried to do a settlement option with XXXX XXXX in XX/XX/2021 to pay less than owed but they wanted me to apply for a settlement but I only wanted to pay them in full. They led me to believe that they may accept my settlement offer. That is the only reason that I did not pay them sooner as I had already sold stock in my IRA acct to pay them in full. The acct was closed and is still closed but they are reporting to Experian that the acct is still open and that I have not paid them in full when I paid them in full with a wire transfer on XXXX for the full amount owed of XXXX but they are still reporting to Experian and other credit agencies that the account is still open and that I am late for payments. I disputed this with Experian and provided them with the statement showing it was paid but they ignored it and still reported incorrect information.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit card or prepaid card

Somebody hacked my Best Buy account. And made several purchases. Ive contacted Best Buy multiple times and theyve yet to take the debt off my credit card. I ended up paying the credit card off recently and paid for that fraud to avoid further interest payments.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and NOT accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow a reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These 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 XXXXXXXX ; " XXXX XXXX ; are not complete and accurate. 

And XXXX more thing according to 15 USC 1681-s 2 A person shall NOT furnish information relating to a consumer or to any consumer reporting agency if the person knows reasonable cause to believe the information is inaccurate. 

Check the comments attached.