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

I am writing to formally dispute an incorrect address listed on my credit report. Despite my previous request to update this information more than 30 days ago, the incorrect address remains on my report. 

The incorrect address is : XXXX XXXX XXXX, XXXX, NH, XXXX The correct address should be : XXXX XXXX XXXX XXXX . XXXX, XXXX, NH, XXXX On [ date of initial request ], I submitted a request to update this information, along with supporting documentation. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and correct any inaccuracies within 30 days. As of today, more than 30 days have passed without the requested correction. 

For your reference, I am including the following documentation : 1. A copy of the supporting documentation provided with my initial request ( e.g., utility bill, lease agreement, driver 's license ). 
2. A copy of my most recent credit report showing the incorrect address. 

I request immediate action to correct the address on my credit report. Please confirm in writing that the address has been updated correctly and provide me with an updated copy of my credit report reflecting this change. 

I appreciate your prompt attention to this matter and expect a resolution within the next 15 days. If this issue is not resolved promptly, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

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

Alleged debt paid to XXXX XXXX XXXX with postal money order and mailed by XXXX with proof of payment and mailing on XX/XX/XXXX. This debt is reported by CYBRCOLLECT # XXXX ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OHIO XXXX AS OWING SINCE XX/XX/XXXX. The claim for returned check is false since there was no returned check and XXXX XXXX XXXX attempted to withdraw funds from my checking account when I had cancelled my membership with them within 3 days of joining the club. 
I have tried numerous times to call CYBRCOLLECT using the number that XXXX XXXX XXXX provided with no success. I called and complained to XXXX with no success. I finally wrote to CYBRCOLLECT on XX/XX/XXXX with proof of payment since XXXX and they have not responded to me by phone or by mail. XXXX continues to report this false information as ADVERSE ACCOUNTS ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX, CA, XXXX XXXX, XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have disputed this account 4x already. Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I informed the original creditor account was fraud on XX/XX/XXXX and they sold the account. I have provided police report of ID theft. I have done everything including disputing with XXXX, XXXXXXXX XXXX  and midland collection. I'm done and tired of their fooliness. I don't owe anyone any money. I have never apply for credit with the original Creditor. I'm currently received promotional credit from them. Please help!!!!!
Product: Debt collection

Debt collector is attempting to collect a debt I do not owe.
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries on my credit report. 

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

Experian credit agency continue to report a negative collection account for Persolve Legal Group. That I do not owe.
Product: Credit reporting or other personal consumer reports

The collection agency name is National credit system and the original creditor is XXXX XXXX XXXX The original creditor said Im not owing the debt but the collection company refused to remove the debt from my credit report.
Product: Debt collection

My Wife received a supena letter from their law firm for her to fill out my residency status at our home about this debt. 
I have made contact to the original creditor and stated the account is closed so not sure why they are contacting my wife on an account closed and I believe this is illegal as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX deleted the error with wellsfargo but XXXX and XXXX still has it on the report. Been fighting this from early as XX/XX/XXXX and latest XX/XX/XXXX. Would like for this inaccuracies to be deleted from XXXX and XXXX. 

Also with XXXX XXXX XXXX. The motorcycle accident was paid out fully by XXXX. Don't knw why this on my consumer report and account been closed from XXXX.
Product: Bank account or service

I made a deposit to my checking account to cover some online purchases. I moved these funds over prior to making the purchases. When I checked my account this morning the bank levied a XXXX overdraft charge even though I was not in the negative at any time. I have a screenshot of my activity proving this. I contacted the bank and they admit that while I was not in the negative, because I made the wire transfer and the purchases after their cutoff date, they reserved the right to levy what they call a " virtual overdraft fee ''. I 've been banking with FNB since 2011 and have never had any problems until their merger with Metro Bank this past year where all of a sudden they started to do all of the shady Metro Bank traditions that they and XXXX XXXX have been well known for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I had filed for Personal Bankruptcy via Chapter XXXX. In the XX/XX/2017 the trustee of the Bankruptcy Court would not accept the Chapter XXXX filing due to the income levels stated by the laws of MD. Instead of pursuing Chapter XXXX case the trustee dismissed the Chapter XXXX filing. This is showing on LexisNexis as Chapter XXXX discharged. Then they are selling this information to XXXX, XXXX and XXXX XXXX as accurate information. I've spoken to the clerk of the Bankruptcy Court. In way, shape or form do they pass, sell this information to any Credit Bureau. This inaccurate information has to bought via XXXX  or some system that mines and sells public information. I've been negotiating with creditors to resolve debt. I can't have inaccurate information on my report if the debt on my original filling was never discharged.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I received notice from my credit report monitoring service that there was a hard inquiry on my Transunion account, pulled by XXXX XXXX XXXX I did not make this inquiry, nor request a credit account to be opened with this entity ( XXXX ). I froze my Transunion and XXXX reports immediately ( XXXX already frozen ) to prevent further fraudulent activity. As my Transunion credit score was negatively impacted by the inquiry, I attempted to contact XXXX to get the fraudulent hard inquiry removed from my report. XXXX XXXX customer service was unaware of how to go about that process, and unable to direct me furtherXXXX XXXX customer service was able to confirm, looking up by SSN, that I do not have a credit account open with them at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have rights to privacy 15 USC 1681 Section 604 A section 2 : It also states that A consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat any late payment on a credit card account under all open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX A Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX 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: Student loan

Hello, My student loans were recently consolidated and placed on the SAVE plan. Aidvantage confirmed that the processing was completed and recently advised that my first payment is due on XX/XX/XXXX. In preparation, I'd set up Auto Pay for my account, to ensure timely payment. On XX/XX/XXXX, I received a notification from Aidvantage stating Auto Pay has been canceled for my account since payment is not due within 45 days. When I try to set it up again, a message states this can not be done since my account is not in repayment. Further, my account no longer shows any amount due on XX/XX/XXXX. Rather, it shows {$0.00} due on XX/XX/XXXX. My loan details show " Awaiting Form Administrative Forbearance. '' I was never advised of any forbearance being placed on my account, nor was any information requested from me. My most recent correspondence with Aidvantage is their confirmation of the SAVE plan, my payment amount and due date. On XX/XX/XXXX, I sent a message to Aidvantage requesting clarification. No response has been received. I am now unsure as to when payment is due and confused as to why I can not set up Auto Pay to ensure payment is timely. 
Thank you in advance for any assistance in resolving this matter.
Product: Debt collection

I have been called twice to my knowledge from phone number XXXX and it is a recording from XXXX XXXX stating " federal law designates this matter '' stating failure to respond. She said the company is Direct Recovery Services. I am consistently checking my credit report and I am aware of any accounts I have in collection and with whom they are with. There is no DRS listed. They have started calling previous friends and co-workers. This is extremely aggravating and embarrassing for friends and co-workers to deal with. I have no idea how they are getting their numbers especially since I have n't spoken to the previous friends or co-workers in approx. 3 years.
Product: Mortgage

I allege that USAA Bank uses unethical business tactics to trap consumers in high interest rate home equity loans ( HELOC ), particularly taking advantage of those consumers who have been negatively impacted by the US real estate crisis. I have attempted to work with USAA in good faith to resolve my specific issue but the company has not remedied the situation. The particulars of this matter are as follows : 1 ) I opened a HELOC with USAA XX/XX/XXXX with a credit line of {$75000.00}. The HELOC product was a variable rate loan but had a hybrid feature which enabled consumers to " lock '' a portion of the loan balance into a fixed interest rate. I elected to lock a portion of my HELOC at a fixed rate ( approximately 7 % ) and also have a portion of the loan open at a variable rate ( 2.65 % ). 
2 ) XX/XX/XXXX, just over one year after the original application and underwriting of the HELOC, USAA informed me that they were immediately suspending the loan due to a drop in the market value of my home. 
3 ) Between XX/XX/XXXX and XX/XX/XXXX, interest rates declined to record lows ; however, I continued to service the fixed portion of the HELOC on time. Currently, the total outstanding HELOC balance is approximately {$46000.00}, of which {$25000.00} is variable rate and {$21000.00} is fixed rate. 
4 ) The account information for my HELOC displayed on USAA 's website ( refer to exhibit ), reflects a " credit limit '' of {$75000.00}, an outstanding balance of {$46000.00} ; but XXXX in available credit, which is confusing and deceptive to the consumer. 
5 ) XX/XX/XXXX, I contacted USAA about temporarily utilizing the indicated credit limit to convert the fixed portion of the HELOC to more favorable variable rate terms, which would lower my monthly payment and enable me to pay off the loan faster. This approach would not permanently increase the total outstanding loan balance or alter the risk exposure of the loan. 
5 ) USAA ordered an onsite appraisal on my primary residence which showed that the property is not underwater ( ie. appraised value exceeds sum of first mortgage plus HELOC ). However, USAA denied my request to convert the fixed portion of the loan to variable rate terms. 
4 ) I then requested USAA, a sophisticated full-service bank, to explore other potential solutions to modify the interest rate on the fixed portion of the loan ; however, I was repeatedly rebuffed and informed that the only option was to pay off the fixed portion of the loan in full, or voluntarily stop paying on the loan and hope to trigger a workout plan or modification ; however, that approach would damage my credit rating. 
As a result of these acts, I am left with the choice of remaining in a high interest HELOC or sacrificing my credit rating by refusing to pay the loan and hoping to trigger a rate adjustment modification. Clearly, this is not in the best interest of anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had to pull my credit report because I was going to apply for new car and found violations on my account which will hinder me from getting new car. I understand pursuant to 15 US Code 1681a2B any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card. I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new car.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$9200.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My consumer rights 15 USC 1681B has been completely violated and I am requesting removal of the following Plz remove the follwing from my consumer report, INQ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The following 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, I did not sign any forms XXXX give my written consent to add these reports to my consumer report, as a result my rights as a consumer has been clearly violated, I am requesting the removal of these items within XXXX  days as mandated by the consumer law. 

Failure to do so will result in further action being taken, according to consumer law 15 usc 1681c2 I have incl my fie report id and ss crd along with my statement is attached, it is imperative to emphazie that my request to block was NOT made in error, nor was it based on a material misrepresentation.

I did NOT knowingly obtain, or have known to obtain, possession of goods, services or money as a result of the transaction I am requesting to block. Therefore these should be block and removed within XXXX  days or further action will be taken on my behalf and I will sue for character defamation.
Product: Checking or savings account

On XX/XX/2021 my phone, wallet, and keys were stolen. A debit charge of {$3900.00} and a charge of {$1600.00} were able to be made without my authorization, as well as a credit charge of {$880.00} at a XXXX store in XXXX XXXX. 

After filing the appropriate fraud reports with Wells Fargo, the credit charge was returned/re-credited to my account as it was determined to be fraud, but the {$5400.00} debit charge claim was denied as it was determined to not be fraudulent. This is clearly contradictory, as the incidents occurred simultaneously at the same location. Wells Fargo claims that I authorized the charges over the phone, but I did not have my phone as it was stolen. Additionally, it is impossible that the thieves would have known/been able to use my pin number as it is an arbitrary number that only I know and is not recorded anywhere besides my own memory. 

Wells Fargo allowed my money to be stolen from my account without proper authentication, and refuses to reimburse the amount that they allowed to be stolen from me.
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with OneMainFinancial and they have the title to my vehicle. 
I had a couple months where I did not have insurance on my car, so they charged me extra for their insurance, the insurance was {$50.00}. After I got back my insurance, I proved I had full coverage on my vehicle and send them my insurance, I had spoken to them many times about the insurance to be taken off, I emailed them over and over. 
They kept saying they would take it off and never did. I paid an extra {$60.00} for two years towards this loan and requested a refund or to put that money towards what I owe. No one will get back to me.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Checking or savings account

XX/XX/year>. Today I received online my 1099-R from Mountain America Credit Union in Utah. In filling my income taxes, I am required to provide box 15 of the 1099-R, which is the credit union 's Payer Number for XXXX. 
It was not on the form, nor on the 1099-Int either.

I called them and asked told them the form was blank there, and that other credit unions we used provide that. 
I asked them for the number so I could so complete my income taxes. 
They researched, came back and said it is not required of them to provide that in XXXX, only XXXX. 
I told them it was required by my XXXX XXXX. Would they just give me their number for XXXX. They said they would not. I asked to speak to a manager ; the put me on hold forever, then they hung up. 

Talk about terrible customer service, but worse, ZERO help and even wanting to withold information that should be available to the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sirs I am writing this letter to explain why late payments were made to ( XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX and XX/XX/XXXX XXXX XXXX ) from ( XX/XX/XXXX and XXXX, XX/XX/XXXX ). 
Meeting my financial obligations is very important to me, and I regret that this negative situation ever occurred. 

When I was an XXXX  XXXX in ( XX/XX/XXXX-XX/XX/XXXX ) I was working for a XXXX XXXX   with a minimum wage, and my family from XXXX XXXX were helping me financially. In XXXX, XXXX went into a war with the XXXX XXXX ( XXXX ) the country went into financial Crises. During this time, my family 's finances were strained they couldnt help me anymore, I lost my scholarship and my Minimum wage income was enough to pay for my rent and daily expenses. Even though I tried very hard not to miss any payments but it was hard. 

I am thankful to report that I after my graduation I have been working at a new position for over a year now. I have paid off all of the past-due account, and I have been on time with all my payments. 

I would like to Dispute those late payments, with the explanation of the humanitarian situation I was in out of my control. 

Thank you for considering our dispute. As you examine my finances, I'm sure you will see that I am very capable of making future payments on schedule. 


Sincerely, XXXX XXXX