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

I am formally file a complaint regarding the inaccurate reporting of late open accounts on my credit file. Despite many numerous attempts to rectify this issue, the accounts in question continue to appear as late, significantly impacting my credit score and financial reputation. 

Despite my efforts, the late open accounts persist on my credit report, causing unwarranted damage to my creditworthiness and hindering my ability to access favorable financial opportunities. This situation has caused me considerable stress and frustration, as it undermines the integrity of the credit reporting system and unfairly penalizes me for inaccuracies that are beyond my control. 

I urge you to investigate this matter promptly and take immediate action to correct the errors on my credit file. Additionally, I request that you provide me with a written explanation of the steps you are taking to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Furthermore, I expect to be compensated for any damages incurred as a result of these inaccuracies, including any fees associated with credit monitoring services or adverse effects on loan approvals and interest rates. 

Please treat this complaint with the utmost urgency and provide a timely response. Failure to address this matter satisfactorily will compel me to escalate my complaint to the appropriate regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Debt collection

Nationwide Debt Management Solutions ( Rep. XXXX ) contacted my job and spoke to A Supervisor about a personal debt I owed and proceeded to insult my Supervisor as she was the one who owed the debt accused my Supervisor of covering for me and told her she was n't professional for doing so and preceded to ask to speak to the Manager about my personal circumstances. Ask the supervisor for my personal information. My supervisor explained she was n't able to give out associates personal information and she kept insulting her and kept harassing my dept. supervisor for a total of 10 to 15 minutes.
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), another personal credit card opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These 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

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summer of 2020 i did not receive a statement from a credit card company for XXXX informed the card company they refunded the missed payment fee but reported the missed payment to the credit bureau subsequently my credit rating went from XXXX to XXXX and to this date is only XXXX this was during the height of covid the bank was barkley
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This account XXXX  XXXX Account number : [ XXXX ] was opened by my husband for himself as reported in XX/XX/XXXX ( I'm only an authorized user ). 

However after asking that the payment history and dates be updated and corrected ( on XXXX XXXX, they have again all reported differently from all XXXX bureaus. The bill has been paid by due date every month since he's gotten it. 

But, there are many violations on the credit report when comparing XXXX 's credit report to XXXX 's credit report because Experian has completely deleted every record of having an account now according to my XX/XX/XXXX credit report pull. Which makes it a complete violation to report anything on the payment history, with no reportings showing for an account at all from that bureau. It has also been over 30 days again. 

I am aware that all XXXX bureaus must show the same reportings line-by-line on a credit report, or it's considered a violation. And According to the FCRA everything must be 100 % accurate. ( According to the CFPB bulletin on XXXX XXXX ) theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 

I'm dealing with adverse affects because of my credit now because of me disputing and trying to get a fair credit investigation. My credit score has dropped a lot within the past month. And me and my family have not been able to obtain our own housing now. So the address that was on file previously is no longer ours. 

15 USC code 1681n ( a ) ( 1 ) ( A ) I'm requesting monetary relief and proper corrections to the account. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX ( Experian )
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to delete the following information in my file : SANTANDER XXXX It shows that this account was opened in 2017. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Debt collection

The debt accounts on my XXXX accounts shouldve been removed. These accounts were fraudulent and I disputed them on multiple occasions with all credit agencies. They were removed from the others but not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had problems in the past wuth this company. The company is so hard to reach that you cant even talk to a direct person ever. You send an email they reply weeks or even months later. They app platform is always down. So for the past month i had issues with logging into my account & the issue was addressed but not fixed. So far as my payment dates & what i had to pay was communicated through email!!! I recieved an email that my payment date was coming up XX/XX/XXXX and the minimum to pay was {$29.00} which i exactly paid! The supporting documents are below. I then recieved an email stating my acc is days late & not current! Which is a lie not to mention my XXXX payment was reported on time which reported my acc as current. I tried talking to someone & also reported no help was done!!! I am not happy with my results.
Product: Debt collection

XX/XX/XXXX XXXX was paid in full through filing their credit card as a federal account and paid their debt through my tax return of XXXX. All debts were paid. A year later XX/XX/XXXX they report that i have an collection account with zero balance starting in XX/XX/XXXX. When i called aafes numerous times and ask them if I had an open account and they confirmed it's been closed since XX/XX/XXXX and it's fully paid and no money owed. I have sent their collection company correspondence in regards to fixing this error they made on my credit report and they still have not fixed this issue and I need assistance into pushing this issue to getting resolve as I'm in the process of getting home for my family and this false information popped as a current collection and that isn't correct. it's affecting my health and my family sustainability.
Product: Debt collection

Peter & Roberts and Associates, have contacted me multiple times by mail and phone attempting to collect a a debt to XXXX XXXX which i do not believe that i owe. I 've asked them by phone to provide proof that i owe this debt and have been ignored. They do not belive they need to provide any proof other than an itemized list of charges of what they think I owe. I have been promised an itemized list but have never received XXXX to date. Today i called and spoke to a manager who promised me he will send an itemized list by mail.
Product: Mortgage

I make slightly more than half a payment every two weeks. I have done this for years. XXXX XXXX automatically deducted the payments from my checking account and applied the payments for 8+ years. In XX/XX/XXXX, XXXX XXXX sold my mortgage to Mr. Cooper/Nationstar. Mr. Cooper/Nationstar requires one month prepayment and an onerous agreement signed/notarized to do this simple task. So, I just make my payment every two weeks on their web-site, with clear instructions as to where I want the extra to go ( principal/escrow ... etc ). This worked fine for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX they only applied one payment to my loan and tried to tell me I was late. I used their web-site to email and chat with them and I suffered through their horrible automated phone system at least 5 times to get it sorted. It took until XX/XX/XXXX to fix. Here we are, XX/XX/XXXX and they haven't applied both payments. The XXXX payment was made XX/XX/XXXX -- so they have had plenty of time to do this. 

The best resolution would be for them to sell my loan to someone competent. I did not like XXXX XXXX, but man-oh-man, do these clowns make them look awesome!
Product: Checking or savings account

Before applying for a promotional offer by PenFed credit union I contacted their customer service Representative to verify if I qualify for the promotion. 
I received a written confirmation ( email. attached ) from the PenFed credit union customer service that I do qualify for the promotion. 
The answer is an official binding confirmation from the credit union. 
After receiving the confirmation, I fulfilled the requirements for the promotion. 
After that PenFed credit union representatives multiple times stated to me ( by emails and in phone conversation ) that the promotion would be paid. 
Ultimately, after many long deliberate delays and false promises, PenFed credit union refused to pay the promotion. 
It appears that false statements, deceit and customers cheating is a standard practice for this credit union. 
I went ahead and fulfilled the requirements of the promotion only AFTER I received the official, binding confirmation of qualification from the customer service representative, who officially stated it on behalf of the credit union. 
Without this confirmation of eligibility under NO circumstances I would have fulfilled the requirements of the promotion. 
Under NO circumstances I would have fulfilled the requirements if the promotion was not offered. 
And I have no intention to provide the actions of fulfilment of the requirements without the credit union fulfilling its obligations. 
These actions were solely done in exchange for the promotion and will not be provided for free. 
I demand the credit union pay what was confirmed by a legally binding confirmation provided to me by the credit union.
Product: Credit card

On XXXX XXXX, 2015, I closed my Capitol One credit card by phone, verbally. I then called them back on XXXX XXXX, 2015, because they were still adding interest onto my closed card card account balance. On XXXX XXXX, 2015, I wrote a letter to Capitol One stating and verifying that my credit card account was closed as of XXXX XXXX, 2015, and to stop all interest rate charges, I had this letter notarized, and I mailed it to Capitol One. I then called them for the last time, asking to be put on a remaining balance ( {$530.00} ) payment arrangement, they said no. So then, I logged into my XXXX online account, and saw that Capitol One had finally posted my remaining balance I owe, ( {$530.00} ) dated XXXX XXXX, 2015 in which I now will make XXXX $ /month payments on my own since they refused to me on the phone concerning a scheduled payment arrangement to pay the ( {$530.00} ) balance I owe. My point here and complaint is, I had to obtain and send a Notarized letter to them, or they would still be adding on interest money making the closed account balance larger which is illegal business practices, in closing, in reflect, I should and will in the future send a notarized letter dispute certified mail and the same letter regular mail ( XXXX ) and I will never ever have any more dealings with Capitol One. People are getting ripped off by these illegal business practices, word of caution, stay away from Capitol One credit card.
Product: Credit reporting or other personal consumer reports

I am requesting to have these unknown debts and unknown inquiries removed from my credit report immediately due to it affecting my credit negatively. I have included accounts and inquiries in question. I have also attached a copy of my credit report as well. My student loans are reporting late which is incorrect. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$14.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3100.00} Balance updated XX/XX/XXXX Original balance {$23000.00} Highest balance Terms 73 Months On record until XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance updated XX/XX/XXXX Recent payment {$670.00} as of XX/XX/XXXX Original balance {$11000.00} Terms 42 Months On record until XX/XX/XXXX Student Loan reporting incorrectly with a 90 day late notice Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Original balance {$1700.00} Terms 1 Months On record until XX/XX/XXXX INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By mail only XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Received a call from a XXXX phone number before XXXX, XXXX. I picked up phone on fourth ring, and the phone calling hung up. I recalled them after XXXX, and complained, would not give me IID of person that called. Said they were sorry, and put supervisor on, again no ID provided. He stated that he in in Jared Jewelers corporate office in Ohio, and further stated it is the same time zone as XXXX, XXXX. I stated that it was XXXX I called the XXXX number and reach him. He stated well the towers are different and he ca n't be responsible for what tower was used and stated again he was in Ohio. He wanted to speak about my payment. I told him I ca n't pay till after the first when my VA XXXX check arrives. He wanted post date checks or my bank account. I refused and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had closed a rental account XXXX XXXX on XX/XX/XXXX the company report on XX/XX/XXXX the account is still open, I contact them on that day and the correction was made and reported on XX/XX/XXXX. I contact Equifax and XXXX about the matter to dispute the error, to the day XXXX  have not send my a report they actually got the removal alert and removed the account later to replace it. On XX/XX/XXXX the account and inquires was removed to only reappear on XX/XX/XXXXalso the exact same thing with Equifax. On XX/XX/XXXXI  contact Equifax about some many types of errors that was accurring on my report from inquires that have been removed then back on to accounts closed and removed to reappear, address that I never seen nor lived, my name being removed and added back. As a victim of ID theft I have lost so much faith in the credit reporting Equifax, XXXX and XXXX are crocked and scamming great americans how they are reporting, they make you believe its the company reporting I go after the lender first before even contacting them, I been fighting with thes BIG BOSSES for over three months and have gotten no where, next thing coming is to take my saving a hire a lawyer.
Product: Checking or savings account

This happened at Truist Bank. We had money disappear from our account we went in to the bank on several occasions to get it fixed. They gave us a run around. Someone there started some kind of cash reserve and money was going out without our permission. This happened to several of our accounts. 
On one occasion we went and reported it and they tried to say we did on line. We dont touch anything banking other than transfers between accounts and checking them online.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection has been added to my account without my consent and without my knowledge.
Product: Credit reporting

TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MEDICAL ACC # XXXX XXXX BANK XXXX ACC # XXXX XXXX XXXX ACC # XXXX THIS IS NOT MY ADRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - REPORTED XXXX THIS IS NOT MY ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX PLEASE UPDATE MY ADRESS TO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I BEEN LIVING THERE SINCE XXXX/XXXX/XXXX The itemslisted areclearly fraudulent ; therefore, I am requesting that they are deleted /blockedby name of source. In addition, A CRA must block the fraudulent informationand the victim must be identified within four business days after accepting his/her IdentityTheft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), XXXX XXXX. XXXX XXXX XXXX b XXXX XXXX. A. Blocking Information in Credit Reports under XXXX and XXXX ( a ) ( XXXX ) Under section XXXX of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blockingfraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX