23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I don't remember exactly what happened, but I've gotten some mistakes that there trying to get money off of me for something I wasn't accepting, an offered by the University, or schools that are asking me to do all of this and waste my time.
Product: Debt collection

I had a medical debt for XXXX dollars with a different collection company and i paid it and had it removed from my credit report in exchange for payment. I am trying to refi my home loan and a brand new collection for the exact same amount is now on my credit report from a different company. They wo n't send me any proof of the bill. I believe its because its a duplicate bill that has already been paid. I 've attempted to have this removed already with the company and the credit bureaus.
Product: Credit card or prepaid card

On the morning ofXX/XX/XXXX ( XXXX ), I noticed an unauthorized pending charge for {$820.00} from XXXX XXXX XXXX XXXX on my XXXX Chase XXXX credit card. I called the XXXX Chase XXXX number immediately to report. They closed the account, credited back the {$820.00}, and flagged the charge for review. I received a XX/XX/XXXX written letter from their Fraud Dept to notify me that the charge was now under investigation. Eight weeks pass. In XX/XX/XXXX, I receive written notice from the Fraud Dept that they had concluded the charge as a valid one because " You received benefit from transaction ''. Confused, I contacted XXXX XXXX XXXX 's Risk and Fraud department on XX/XX/XXXX ( XXXX ) where I learned more about the online transaction made using my credit card. In the course of our conversation, it was also revealed that key information was incorrect at the time of online purchase ( e.g., name on the card is wrong, the phone number is wrong ). Additionally, I learned that the 3-digit security code was not required at the time of purchase. XXXX XXXX XXXX could not produce the IP address from where the online transaction was originated. They also could not determine who signed for the purchased item when delivered via XXXX. I subsequently filed an online identity theft report with the local police department. I next spoke with XXXX Chase Fraud department on XXXX XXXX, XXXX at XXXX to contest their judgment that the charge was valid. The person said they would look at the case again and would have a member of the Fraud Dept follow up with me by telephone. I received a call from the XXXX Chase Visa Fraud Dept on XX/XX/XXXX at XXXX and spoke with the individual investigating my claim. He repeated that, based on his discussion with the vendor, the charge was a good charge. I next confronted him with the inaccurate information associated with the card, especially the fact that the 3-digit security code was not collected by the vendor. I also pointed out the missing information such as the IP address and the XXXX delivery signature. Finally, I asserted that the fraudulent purchase is not consistent with the purchasing profile I have formed with XXXX  Chase Visa over ten years of using the card on a regular basis. The investigator said that he would revisit the case based on my statements and follow up with me either XX/XX/XXXX or XX/XX/XXXX. Besides the fact that being the victim of online identity theft is a horrible feeling, I feel extremely disappointed in the lack of investigative power shown by the XXXX Chase Fraud Dept. It appears that the case was not investigated immediately, which means that valuable information about the online purchase is lost by the vendor. It also appears that communications with the vendor were not thorough enough to reveal problems with the original online purchase. It was because of my phone call directly to the vendor 9 weeks after the fact that these problems were brought to light.
Product: Credit reporting or other personal consumer reports

I am requesting an update to the payment history for two accounts on my credit report that incorrectly show late payments. The accounts are : 1. XXXX XXXX XXXX 2. XXXX XXXXXXXX These late payments are inaccurate. Please review and update the records to reflect accurate, on-time payment history. I have included supporting documents as proof.
Product: Credit reporting or other personal consumer reports

{$8800.00} XXXX XXXX {$3000.00} THE BUREAUS {$2300.00}XX/XX/XXXX{$1600.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$640.00} THE BUREAUS {$590.00} XXXX {$440.00} XXXX XXXX XXXX {$260.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following XXXX accounts has violated my rights. 

XXXX : account number XXXX -XXXX XXXX XXXX  : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX XXXX  : account number XXXX -XXXX XXXX XXXX : account number XXXX XXXX XXXX  : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Product: Credit reporting or other personal consumer reports

I filed a dispute on { XXXX, XXXX XXXX, due to account paid in full. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house as a first time buyer and getting a new car Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$10000.00}
Product: Mortgage

Bayview is refusing to release funds that I am owed from an escrow account. The home was sold and the loan was paid off, but Bayview has been unresponsive. Closing occurred in XX/XX/2018. Their customer service hangs up when I call and are difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT FROM MACYS ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/XXXXOF XX/XX/XXXXTO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, credit card was paid off. Its been over a year and Im still unable to open a bank account with XXXX XXXX due to credit reporting still showing unpaid amount.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts on my credit report that are a result of fraudulent activity following a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete the following accounts from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : XXXX, XXXX and Equifax.
Product: Checking or savings account

I bought an order like a bracelet for XXXX $ to give as a gift for the most important day but this item is lost but i don't know how to contact the person who sold it to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, TansUnion, and XXXX  regarding my concerns about all the information on my credit report that is inconsistent and not 100 % accurate in compliance with the fair credit reporting act. The following accounts above have inconsistencies that need to be deleted immediately. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrect and other information is not correct and contacted the court and they dont report the credit agency. I did not give permission. XXXX XXXX XXXX closing date and other information on report is incorrect and inconsistent please delete. XXXX XXXX XXXX all information is inconsistent and not 100 percent accurate according to the fair credit reporting act. Please remove. 15 u.s.c 1681 section 602 a states I have the right to privacy.

15u.s.c 1681 section 604 a also states a consumer reporting agency can not furnish a account without my written consent. Please remove all inaccurate information
Product: Debt collection

I am a victim of identity theft. I never received any document informing me of this debt which it is no belong to me. I have never requested any credit card from Wells Fargo. I am a very hard worker. I am the Head Household. I am a single mother with two minors. They are making me pay a debt that is not mine unfairly.
Product: Debt collection

The following account is reporting inaccurate information on my all three credit reports which is hurting my credit. The information I have from the company is this : - XXXX XXXX XXXX XXXX : XXXX : Theres not available number I can contact the company or someone who can tell me any information of what or who opened this account. Hope this can be solved as soon as posible because I have been working really hard to fix my credit and build it at the same time. I want CFPB to take an action and help me to solve my issue with the collection and Reporting agencies. XXXX- XXXX - XXXX
Product: Debt collection

After reviewing current credit report I identified this account with Care Credit as a fraudulent account that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I think tis inaccuracy. And wrong
Product: Credit reporting or other personal consumer reports

There accounts on my credit report that does not belong to me and I did not authorize any of these accounts on my credit report. I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency XXXX which makes you financially liable for each inaccurate account. Also, under XXXX Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the XXXX. here are the accounts : XXXXXXXX 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, credit repair services, or other personal consumer reports

I just got a credit card from XXXX XXXX. I have been using and paying on it to build my credit higher. I went to use it on the XXXX and it said declined. I called XXXX XXXX and they advised it was closed due to Fraud. I asked why and was advised the credit Bureaus has reported it has a fraud account. I did not report that to them and it should have never been reported as such. I did file a complaint advising I wanted my report updated with the balance on my card. I lost points applying for this card on my report and now I have to reapply for the card and got denied. I want an explaination as to why this was done and the points removed from my credit report for applying to this card and XXXX XXXX updated that it was not a fraud account. Now, I have two hard inquiries on my credit report that I want removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to remove XXXX loan items reported by Department of Education in 2021 to credit bureaus all which came back as verified Submitted Consumer Financial Protection Bureau ( CFPB ) complaint Department of Education XXXX XXXX to remove loan information. CFPB received notification from Department of Education XXXX XXXX is not reporting any information regarding student loans to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. broke the FCRA by not following the proper procedures regarding adverse information uncovered by an employment background screen According to the FCRA an employer must wait 10 days before taking an adverse action against and employee when a negative item such as an arrest is discovered via en amployment background check. In this scenario, I was deactivated and effectively fired at the same time as the negative information was shared with XXXX  by XXXX XXXX XXXX. I was barred from employment simultaneously upon receipt of the employment screen I had already been driving on the XXXX platform for a year and was not given a fair second chance to explain or dispute an arrest i had endured. The second XXXX learned of the arrest is the same second that i was firedl. No dispure grace period or any discussion whatsoever, just an abrupt termination.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. Please remove all fraudulent accounts. Thank you XXXX XXXX  XXXX XX/XX/2024 EXPERIAN XXXX XXXX XXXX  XX/XX/2024 EXPERIAN XXXX XXXX  XX/XX/2024 EXPERIAN
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I'd contact the property manager at XXXX XXXX XXXX, 2nd attempt to gain insight. I left my information for someone to contact me. I spoke with a general manager gave him my social and name he confirmed that I never lived at that residence nor have I applied. 

The amount that is owed {$9700.00}, I've contacted the collection agency as well to ask them for proof, I did not receive any information. 

I would like this removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Service disconnected on XX/XX/XXXX, returned devices, was told it could take 3 months to get final bill in the mail. Waited & noticed bill came at over {$1200.00}. XX/XX/XXXX contacted financial services from the XXXX corporate store, spoke with representative named XXXX who escalated additional charges since XX/XX/XXXX to her supervisor by the name of XXXX. XXXX told me the correct final bill was {$390.00} and that I would get a text message in 24-48 hours when credit was given for the remainder. I never received text message and am now being contacted by a collection agency who states we owe the full balance of over {$1200.00}. XXXX tells me there is nothing they can do even though they do have all the notations on the account from the numerous representatives I have spoken with both in the corporate store and financial services via phone. This has now resulted in effecting my credit and by no fault of my own. I have done what I have been advised to do by XXXX and their financial service team as well as followed up numerous times with no proper result.
Product: Mortgage

My loan officer was lazy never called or emailed me we asked to be put in the no money down payment from the beginning and he never submitted our application then he lied so many times to us We had to use all our savings for the down payment because he did n't accommodate us he never answered our calls or emails He was extremely lazy we asked him to lock in our rate with such a great credit score that we had he still charged us XXXX And when we wanted out thenow he told us we will get sued this was one of the most uncomfortable experience I 've ever gone through then to find out the loan officer bank is no longer in service I just wan na cry ps I dint think it was in service at the time of the transaction
Product: Credit card or prepaid card

Due to the covid 19, at this point, I have been overwhelmed with an identity theft/ or someone claiming they have control over my funds, which no one should have power over anything without co during me first.. I am homeless, in ssdi, and was able to get work for a year before I was laid off and stuck in the middle of pandemic. I had to get a room to be indoors and began fighting the identity theft that I really didn't discover until around XX/XX/2020. That was when my phone was stolen, I spoke to them and froze the account, but my sim card was taken along with my info. And turns out my number, just like that.XXXX. 
So, I have been looking for ways to get the assistance to cover my room expense, and each place I go online ; company site, card insurance for purchase, card company itself, the city, the gov. And fema, they all don't want to pay the cost of what they can get reimbursed for. So now about 6 months later, my credit score XXXX, is now like XXXX, and my ssdi, check has been messed up, no cash to live on but my credit cards, are all decreasing my credit, charging fees, rate probably up, and I can't afford to pay to get my car fixed now or for a room. I have had to keep what I could with me in my car, so so have all my stuff but one storage, maybe if someone didn't gain access without permission, with me. No one will half me as a victim, as homeless, on XXXX, or because it states the rules and regulations on line. So I'm about to be out in the cold once again with everything I pretty much own to wait for someone to help me. None of my credit. Cards, are really undsrstanding.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Listed below are the Collections that are being challenged XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) and for their negligent handling of my credit dispute. Despite my efforts to request verification of inaccurate information on my credit report, TransUnion has failed to provide proper documentation or remove unverifiable accounts, violating my rights under federal law.

Under 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) and 15 U.S.C. 1681b ( Permissible Purpose of Consumer Reports ), TransUnion is required to conduct a reasonable investigation and provide verification of
disputed information. However, they failed to comply with these obligations and continued to report inaccurate information, which is a direct violation of the FCRA.

Furthermore, TransUnions negligence in failing to properly investigate and correct the inaccuracies on my credit report constitutes a violation of 15 U.S.C. 1681o ( Civil Liability for Negligence ) and 15 U.S.C. 1681n ( Civil Liability for Willful Non-Compliance ). This negligence has negatively impacted my creditworthiness and caused undue financial harm.