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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a business loan with XXXX XXXX on XX/XX/year> that is a collection with a balance of {$47000.00}. There are also several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 report number 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, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX 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 XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requestingsome accommodations so I care to protect the integrity of my credit file.XXXX XXXX XXXX XXXXXXXX # XXXX account is reporting 30, DAYS LATE XXXX  XXXX XXXX  XXXXXXXX  # XXXX account is reporting 30, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 
I have some inquiries that I do not recognize from the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently credit my credit file. I have noticed several collections accounts on my file that is no accurate and should not be on my report. It also show a dismissal is a bankruptcy that should have not been there due to that it not mine. I have contacted the bureau of several attempts and have gotten no results. My next step will be to contact an attorney due to the history of these accounts hurting my credit. These accounts are stopping me from providing for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries and I don't know most of them. 

Regular Inquiries : XXXX XXXX XXXX  on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is one more account opened on XX/XX/XXXX, but I do not know the company associated with the account as I find out I can not logged into my TransUnion Account. 

I have already closed the XXXX credit card account because this account was not open by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumers credit plan as late for any purpose.
Product: Debt collection

I'm lodging a formal complaint against both Caine & Weiner and XXXX  XXXX, as it is my conviction, they disregarded my privileges under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didn't notice this error right away, that this was an already reported collection. Initially, this was a Debt by XXXX XXXX given as collection to Caine & Wiener. I questioned this record for the subsequent chance to have it eliminated and they changed the comments to wrong and never eliminated the data. They never sent me any letters, calls, or messages with respect to this. Kindly check and eliminate.
Product: Credit card

On XX/XX/24 my Bank of America credit card was charged {$930.00} at online retailer Back XXXX. I did not place charge. When I noticed it, I called BoA to report a fraud charge. They opened an investigation. They learned that the purchaser had my name, address, billing and shipping address, CCV number. BoA closed my claim saying that it had been delivered to me. In the documents they sent to me, there is a copy of the FedEx shipping information. It says that in the shipping process the item was rerouted to XXXX XXXX XXXX XXXX, XXXX XXXX. That is not, nor has it ever been as address associated with me or anyone I know. On XX/XX/24 I recieved a letter from XXXX XXXX XXXX saying that my information ( name, address, credit information ) had been compromised. I called BoA again to reopen my claim with this new information. It was rapidly closed, even before I could submit the information. Again, I called to reopen it. After several times of being transferred to various people, in various departments and endless hours on hold, and after reopening the claim several times, they changed it to a billing dispute. It has been over 30 days and I received no information on this. Once again, I called the company where the goods were purchased. They informed me that the claim would be going in there favor as they shipped goods to my address. The fact that I didn't receive them, did not matter. After many dealings with BoA they told me that I should be investigating this further and that I should be filing reports for the fraud to be investigated.
Product: Credit reporting or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX  act
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XX/XX/XXXX 2017, I contacted Trans union regarding a copy of my Credit File received by me. The entire conversation was meaningless. The person I spoke with was not fluent in English and was very hard to understand. The entire conversation became very difficult and I eventually hung up the telephone. First and foremost, I do not like the ideal of Trans Union changing dates from the original date in which a Collection Agency reports to Trans Union.  Just because the original creditor keeps selling the debt to different Collection Agencies gives Trans Union no reason the change the original reported date. By handling the situation in this manner will only continue to have the reported amount linger on the report much longer than the original stature of seven ( 7 ) years from the dated it is reported. In disputing the creditor XXXX XXXX XXXX # XXXX Amount {$750.00} From XXXX XXXX XXXX XXXX Hospital, I ask for this agency to provide me with a copy of a statement of items to link me to the bill of & XXXX. All Account Resolution Service Accounts # XXXX were asked by me for Trans Union to ask for a copy of statements of listed items linking me to the bills listed. XXXX, the person I spoke with said he could not ask the Collection Agency for what I was requesting. I asked why? I have asked for theses documents upon several occasions and was brushed off as if this was not important. I personal contacted XXXX XXXX XXXX regarding account # XXXX amount {$680.00} for documents with my signature to be mailed to me. I was told that I was not getting any such paperwork and I needed to pay the bill. Maybe I will if indeed their is paperwork with my siguture attache to it. I also noticed the XXXX XXXX account is in good standing, but separated from the Satisfactory accounts listed. I would like that to be corrected immediately. XXXX seems to to have too much extermination to correct the items on a credit report without letting the Agencies take care of the request themselves. I have reason to believe he feels he has to help the Creditors in some way, and they need to be protected. I remind him he was in Customer Service to provide a service to the Public,  not to make decisions that is not in his Scope of Responsibilities. If I am accused of having accounts reported to the three Credit Bureaus and feel that information is not true, then I would ask for proof.
Product: Credit card

I am writing to formally submit a complaint against Comenity Bank regarding the XXXX XXXX XXXX Credit Card. My complaint pertains to late fees that were assessed on my account after I had paid off the card balance, based on misleading information provided to me by a customer service representative. 

On XX/XX/year>, I contacted Comenity Bank to inquire about my account balance and the process for paying off my credit card. During this call, the representative advised me that I could pay my balance in full to avoid any further charges and to completely satisfy the account. However, I was not informed that interest would continue to accrue until the end of the billing cycle, which ultimately resulted in a late fee being assessed on my account. 

I believe that the information provided to me was incorrect and misleading, as it did not account for the interest that would accrue after my payment. As a result, I was left unaware of the potential for additional charges, leading to the late fee being applied to my account. 

I have made every effort to resolve this issue directly with Comenity Bank, including providing detailed call log information and formally requesting an investigation into the matter. However, my concerns have not been adequately addressed. Furthermore, it appears that this issue is not isolated, as evidenced by numerous complaints against the provider on platforms such as the XXXX XXXX XXXX XXXX XXXX ) and the Consumer Financial Protection Bureau ( CFPB ). Therefore, I am requesting that the CFPB investigate this matter and assist in resolving the unfair late fees that were assessed due to the misinformation provided by the bank 's representative. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

I deposited a check into my account on Tues the XXXX Truist finds in necessary to hold funds until the XXXX That's ridiculous not only are they creating more hardship on my behalf but the refuse to make any changes to the way they do business this isn, t the 1st time they've engaged in this practice in XXXX of XXXX  they held a cashiers check for 11 days claiming they had to make sure they receive the funds Yes I'm at fault for continuing to use the institution of banking Not only do I seek release of funds ASAP but the organizations that over see banking practices should have stepped in long ago Truist must be penalized for these abusive practices Truist which consist of the old XXXXXXXX XXXX XXXX  have a long history of holding clients money for unusal long period it's hard to believe Gov't agencies that monitor bank operations would agree with this kind of abuse
Product: Credit card

I have XXXX credit card accounts with Bank of America. This is second complaint. Some months ago I complained that BOFA is texting me and calling me at my work on a do not call line. I mailed to them several times to do not call my number. I put requests online to stop their XXXX office from harassing me which is illegal. They also call from blocked number. This harms my work and is very upsetting. Bank of America does not respect my privacy. Texting costs me money
Product: Debt collection

To whom it may concern, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, Iam writing to request the method of verification for the following disputed item ( XXXX ) : XXXX XXXX XXXX Account # XXXX. Reason for dispute is because of inaccurate information and errors on account. The account states open, which the account is closed. The open dates are inaccurate. Also, the active date shows XX/XX/XXXX on XXXX, XXXX it shows XXXX and XXXX it shows XX/XX/XXXX which is three different dates, so that's inaccurate. None of the account 's fields are filled out, and it should be filled out. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I saw my credit report it showed 7 or more inquires most of them I did not recognize or have done without my authorization or knowledge.
Product: Debt collection

I sent PHOENIX FINANCIAL SERV a debt validation letter on XX/XX/21 through certified mail with a green receipt ( # XXXX XXXX XXXX XXXX XXXX ) in regards to 2 collection accounts they placed on my consumer reports ( XXXX, XXXX, and XXXX  ). I did not give PHOENIX FINANCIAL SERV written or oral consent to share my private medical or financial information with any consumer reporting agencies. I received the green receipt back to my location on XX/XX/21. The green receipt shows that the letter was received by a person listed as XXXX, an uninterested party in this matter, on XX/XX/21. In the debt validation letter I requested that PHOENIX FINANCIAL SERV send me a breakdown of fees including any and all collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to them, and that they immediately cease any consumer reporting until the alleged debt has been validated by me. It has been 20 days and I still have not received a written response from PHOENIX FINANCIAL SERV. However, on XX/XX/21, I received a notification that PHOENIX FINANCIAL SERV has removed both collection accounts from my consumer reports ( XXXX and XXXX ). I still need a response in writing so that I can exercise my right to validate this alleged debt. PHOENIX FINANCIAL SERV is in violation of 15 USC 1692g ( a ). PHOENIX FINANCIAL SERV is also not in compliance with the HIPPA law. I need this matter to be resolved immediately because it has caused me embarrassment, defamed my character, and placed me in financial hardship. At this time I am demanding that PHOENIX FINANCIAL SERV send me all documentary evidence so that I can validate the alleged debts.
Product: Mortgage

There are many issues that are not quite correct when interacting with US Bank Customer Service Representatives ( Reps ). Either there are errors or unsupported collection of fees regarding private mortgage insurance ( PMI ) cancellation. 

Issues First, in XX/XX/XXXX, I verbally requested that PMI be removed from my account and was told that I would not meet the 80 % loan to original value ( LTOV ) until XX/XX/XXXX. After reviewing a US Bank letter ( dated XX/XX/XXXX ) and my US Bank Mortgage Statements, I determined that the XXXX date was in fact an error and LTOV was met in XX/XX/XXXX. This being the case, I missed the ability to write a request for PMI cancellation sooner than my XX/XX/XXXX request ( enclosed ). Based on the ( enclosed ) Consumer Financial Protection Bureau ( CFPB ) Homeowners Protection Act ( HPA ) Examination Procedures that indicates based upon the initial amortization schedule ( in the case of a fixed rate loan ), I could have made an earlier written request for cancellation if I was provided ( in XX/XX/XXXX ) with the correct date that LTOV was to be met. As you may be well aware, this is a lost opportunity to save money because paying a {$100.00} assessment fee and achieving PMI cancellation is cheaper than paying for six plus months of PMI ( at $ XXXXmonth ) that I do not need. 

Secondly, today ( XX/XX/XXXX from XXXX to ~XXXX XXXX EST ), I spoke with US Bank Customer Service Representative ( XXXX ) and was told that an assessment fee of {$100.00} is required to automatically terminate PMI, even when the 78 % threshold is met, and this is not clear from the XX/XX/XXXX letter ( enclosed ) that I received.

The paragraphs ( page 3 ) under the ( US Bank letter ) heading Automatic Termination of PMI are absolutely, positively not clear. It states that PMI comes off the loan when a 78 % threshold is met. The letter does not sate, as the US Customer Service Rep told me, that an assessment fee of {$100.00} will be expected if a person meets the 78 % threshold before the LTOV date. Per the aforementioned CFPB document ( page 3 ), There is no provision in the automatic termination sectionthat protects the lender against declines in property value or subordinate liens. That being stated, indicating I would have to pay a {$100.00} assessment fee after meeting the 78 % threshold, no matter the date at which I do so, does not seem justified. 

And by the way when I tried to send an email to XXXX, the address the US Bank Rep XXXX told me to use, it came back undeliverable.
Product: Credit card or prepaid card

Scammers taking money from my credit card and bank account, ordering things not in my name but with my card and address
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided a notarized statement of fact that Ive been a victim of identity theft and the credit bureaus have not removed the accounts
Product: Credit reporting or other personal consumer reports

These are not my Accounts I have filed Police Reports and Certified Dispute Letters. They are still on my Credit reports, Experian, XXXX, and XXXX, They are not my accounts They are still reporting my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I will not accept your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. I have previously submitted all necessary documents. Who granted you the authority to determine what constitutes a material fact? You are not a judge, a jury, or in any position to make such judgments. You have absolutely no right. 

The Federal Trade Commission ( FTC ) clearly states that when you receive an FTC identity theft report filed with a law enforcement agency, your obligation is to comply with the law. 

XXXX XXXXXXXX XXXX XXXXXXXX. 

This is your final opportunity to handle my identity theft request properly, or I will pursue legal action in a courtroom where you will be held accountable for the damage caused to my reputation, credit, and emotional well-being due to this matter. Your negligence regarding material facts will be glaringly evident, and you will be required to compensate me for your recklessness.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Texas XXXX ( XXXX ) XXXX XXXX XX/XX/2025 HARRIS & HARRIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear HARRIS & HARRIS XXXX Re : Request for Debt Validation I am writing to request validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt, and I would like to ensure the accuracy and legality of the claim. Please provide the following information : 1. The amount of the debt you claim I owe. 2. The name of the creditor to whom the debt is currently owed. 3. A copy of the original signed agreement or contract that legally obligates me to pay this debt. 4. A detailed breakdown of the charges that make up the total amount of the debt. 5. Proof that you are authorized to collect on this debt in my state, including a copy of your license to collect in Texas. 6. A copy of the judgment, if applicable, showing that a court has ruled that I am liable for this debt. Please also provide proof that this debt is not outside the statute of limitations for collection in my state. I request that you cease all collection activities until this debt is properly validated. If you can not provide adequate documentation, I request that you remove any negative information related to this debt from my credit report. Please note that this request is made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). I look forward to receiving the requested documentation within 30 days. Should you fail to validate the debt as required by law, I expect that this matter will be considered resolved. Thank you for your prompt attention to this matter. 

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

Im a veteran who attend the school in XX/XX/XXXX-XX/XX/XXXX. I used my post XXXX GI Bill with all my expenses covered through it yet somehow I have an outstanding Stafford loan for over {$8500.00} it has ruined my credit. I didnt want or need the loan. I believe the school is for profit and submitted for the loan fraudulently. This isnt how the GI Bill works. Please help.
Product: Credit card or prepaid card

I opened up a JcPenny ( jpmcb  ) Credit Card prior to 2015. I was making my payments on time. In XX/XX/2015 I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, it still shows up as an inquiry/derogatory on my credit report. 

I hired a 3rd party company to try and dispute this. They reached out to JcPennyBank but all JcPenny did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.