23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported an identity theft in XX/XX/2021 disputing the account put on my credit by Radius Global the original creditor is XXXX. I want to file a complaint against both companies due to the fact that I have previously told them that this is a result of identity theft but also the fact that XXXX continues to sell this debt to debt collectors. As a result, my credit report has been severely impact it because this is the only negative item on my credit report. I have also filed a report with the FTC stating that this is a violation due to the fact that these bills were not caused by me. I checked my credit report in XX/XX/2021 and saw that this debt had been added to my report
Product: Credit reporting or other personal consumer reports

There are various different false collections and auto loans that happen to be appearing onto my credit report and I would like to get them removed... There is one from XXXX XXXX XXXX that was opened XX/XX/2020 that I was not aware of until just recently when I tried to acquire things with credit and saw that my score had dropped tremendously throughout the past few month with out me noticing because I was trying to build it and not spend any credit for the time being as I saved for a home. It turns out the XXXX was repossessed from whoever was the owner but for some reason my credit and consumer report were attacked. I had my information breached onto the dark web a few years back but I had no clue it could get this serious. There is also a collection from XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX  which I would assume is an apartment complex. Thing is i've never lived in this complex it seems like maybe my information may have been falsely used. When i call the complex to ask about proof of Me being the person who signed ( knowing that i wasnt ) they never send me any documentation saying that I was the one who signed a contract ... because I didnt.. I would really like to get both of these removed from my credit and consumer report as its been hindering me from finally getting the home i was ready to put a down payment on and various other things that require credit.
Product: Credit reporting or other personal consumer reports

I was affected by the XXXX data breach. Dates ranging back from XXXX to XXXX. Amounts totaling up to XXXX. My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit report effectively iimmdiately.Iam attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX hasnt done anything. Please help me delete all of these illegal negative accounts in which I was effective. All three Credit Bureaus include XXXX, XXXX and Transunion.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Consumer Loan

Santander XXXX lender who never proved they owned my loan is not making harassing phone calls to me 3 years after the last payment if a loan in which I satisfied fully. The have n't been in contact with me in three years and have taken action with false reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the blocking and deletion of multiple fraudulent accounts and inquiries appearing on my credit report as a result of a data breach and identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts and inquiries be immediately blocked and deleted from my credit file. 
Below are the details of the fraudulent accounts and inquiries : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED.

This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account!

Your company may be liable under the FCRA,
violating 15 USC 1681n and 15 USC 1681o for non-compliance.

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXXXXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Product: Debt collection

This debt was settled and paid to National Commercial ServicesXXXX XXXX a XXXX XXXX on XXXX XXXX. Creditor agree to update my credit profile and as of yet it as not been updated. Still showing a Derogatory make on my XXXX XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit information with all  XXXX  services and noted that   XXXX  , Equifax and   XXXX    are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called  the County  Recorder of deeds in  my county  (  XXXX   XXXX , NY  )  and they stated per the  XXXX  Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the  XXXX   taxation w ebsite and verified that the  XXXX  goverment does not report tax liens/warrants to Credit Reporting Agencies. On XX/XX/XXXX    I called  XXXX , Equifax and  XXXX  to dispute that a current tax lien satisfaction is being reported by the  XXXX  Taxation or  Kings county  recorder of deeds.  XXXX ,  XXXX  and Equifax contended the information was accurate. I additionally, informed   XXXX   that the information from their specific report states that the records are furnished by  XXXX   XXXX . I informed them this information was inaccurate as I do not reside in  the county  of  XXXX   XXXX . I have attached the  XXXX  Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.
Product: Credit card or prepaid card

XX/XX/XXXX - A purchase was made to an online seller for custom digital art in the amount of XXXX XX/XX/XXXX - An internal dispute was opened with XXXX for a transaction that has not been filled for an extended amount of time for the amount of XXXX XX/XX/XXXX - XXXX closed the dispute in the seller 's favor without notice of why. 

XX/XX/XXXX - A dispute was opened with Barclays, the institution where the funds originated from. 

XX/XX/XXXX - Barcalys closed the dispute in XXXX 's favor without reasoning why. 

XX/XX/XXXX - Supplemental documentation and evidence to the fraudulent nature of the transaction were sent to Barclays.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I moved out of my apartment early and had to break my lease. The building management made up a lease break fee of {$5000.00}. I refused to pay this fee as it was not mentioned in the lease. They then withheld my security deposit, and claimed that I owed them {$1700.00} for leaving my lease. This fee was also not written in the lease so I refused to pay it. On XX/XX/XXXX, they sent a third party debt collector after me who contacted me through phone call and email. The building management told the debt collector that I did not pay XX/XX/XXXX rent. I showed the debt collector evidence that I in fact, did pay XX/XX/XXXX rent. The debt collector did not respond to the information I provided. Instead, they placed a collections account of {$700.00} with all three of my credit reporting agencies. 

I would like this collections account removed from my credit reports as a ) the debt collector is using false information to collect my debt and b ) the building management is still unlawfully withholding my {$1000.00} security deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to XXXX and Transunion to no avail to remove erroneous accounts from off of my credit report. They are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is an update to a complaint I filed recently again Bonneville Collections on behalf of XXXX XXXX XXXX. I forgot to mention that this debt is reported as " educational '' but in fact it was for rent at the student apartment housing. At the time, I gave notice to XXXX XXXX that I needed to break my lease and they charged me for 2 months rent plus damages that never occurred. The original amount was about {$1500.00}. I requested a payment plan in exchange for releasing my transcript but they refused and promptly sent my account to collections. This was in 2015 but Bonneville Collections has since purchased the debt, inflated it by thousands of dollars and reaged it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX TransUnion. Consumer Solutions. 
XXXX. XXXX XXXX. XXXX, PA XXXX. 
XX/XX/2019RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on and I noticed an unauthorized credit inquiry had been made. 
I contacted XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXinquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
Product: Credit reporting

I placed a dispute for validationof accounts in XXXX of 2017 For the tradelines showing on my credit report of XXXX and XXXX accounts of XXXX. These accounts were not validated therefore were removed frm my credit report. I received notice that between XX/XX/2017 and XX/XX/2017 that the tradelines of XXXX were removed from my credit report. also received notice that XXXX XXXX TRADELINES WERE REMOVED FROM MY REPORT. However after checking my credit report Equifax placed these tradelines back on my credit report without giving me notice or without them receiving a letter of reinsertion from the creditors.
Product: Debt collection

I was XXXX from chapter XXXX Bankruptcy in XXXX Credit Acceptance Corporation garnished my pay in XXXX. I submitted paperwork of the bankruptcy and the garnishment stopped and a refund was issued. In XXXX Credit Acceptance corporation garnished my tax return. I submitted paperwork and my tax return was returned to me. XXXX/XXXX/XXXX Credit Acceptance Corporation garnished my pay again. I submitted my bankruptcy paperwork to the attorney for Credit Acceptance in person myself on Wednesday XXXX/XXXX/XXXX when I received paperwork from my employer. The manager was very rude and refused to help me. I have placed several calls to XXXX, XXXX XXXX XXXX XXXX to resolve this matter and I have received no help.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely effective measures to prevent and address fraud on their platform, leaves my account vulnerable and unprotected. Furthermore. Their dispute resolution requirement under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice my credit score fell by over 60 points, upon checking my credit I realized that there was incorrect reporting of a late payment in XX/XX/XXXX on one of my XXXX XXXX account. I have three accounts with XXXX XXXX and base on my history there has never been a late payment on any of the 3 accounts. 
XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$680.00} Limit : {$750.00} Past Due : {$0.00} Payment Status : Paid or paying as agreed CREDIT CARD
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

TransUnion To whom it may concern : I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$950.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards.

According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

Thank You
Product: Checking or savings account

I fulfilled all terms for a {$250.00} new account bonus. The offer states the bonus will be credited by XX/XX/2021. The bonus has not been credited. I made a demand in writing and by phone to the bank. They have so far refused to honor the offer and have so far stated they refuse to confirm or deny whether I qualify.
Product: Credit card or prepaid card

My account with Comenity Bank/Mastercard was restricted on XXXX XXXX. I was unable to make any purchases since then. I was never sent a letter of adverse action within the 45 day time frame and my card was restricted without notice. Since then I have been reaching out to Comenity/Mastercard which has directly lied in stating that they have mailed me regarding my account ( although I am paperless and it has shown on my account that only statements have been submitted to me ), then stated that due to an outstanding request to increase my credit card limit I can't use my Mastercard. I never made a request outstanding. Then that the three credit card reporting bureaus reported that there was a significant change to my account. I have reached out to the three bureaus and pulled my reports. All my credit cards and accounts are in excellent standing and always paid on time. Recently I had a bankruptcy from ten years ago fall off my account and medical bills also fall off due to change in federal law. All of which still doesn't explain why my account is restricted. I'm more upset at the failure of notice and the fact that a reason hasn't been given. They also increased my APR without notice.
Product: Money transfer, virtual currency, or money service

XX/XX/ I paid what I thought was a trusted source for a piece of furniture for {$300.00}. It ended up being a scam with the email being off by a letter. I requested the money back from the recipient and they declined the request. I immediately filed a fraud claim with Chase and they said they could not refund me since it was an authorized payment. Even though I was given false information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ), ( XXXX ), ( XX/XX/year>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 Bureau 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 the ones reported in dispute letters. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Certegy Payment Solutions denied 13 out of 23 checks Intried cashing for no reason at all because there is nothing in my personal file yet thier customer service representatives are rude and liars. They keep saying it can be my file and they sent me my file and there's nothing bad in it. They also told me my check was not good when all checks I tried cashing with then or cashed with them were always good. The store says call the number but they just get rude with you and say can't cash it st any store have to take it to bank iynis writing off of. I live in remote area where we don't have XXXX  XXXX XXXX etc and for no reason at all Certegy denies most of the checks I cashed in last 24 months even though every check I cashed was good.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX - Account # XXXX - has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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- States A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.
Product: Credit card

XXXX XXXXXXXX XXXX sold my account to a securitization trust, receiving monetary value from the transaction, yet continues to demand payments from me as if the obligation remains with them. This is accounting fraud. Under ASC 860, once an account is sold and derecognized, the originator is no longer entitled to collect or represent the asset as theirs. XXXX  has not only retained the benefit of the sale but is continuing to act as if no transfer occurred, violating the Truth in Lending Act and Fair Credit Reporting Act in the process. They must disclose who now owns the account, report the status as settled and closed, and cease all further collection efforts. I request that CFPB require a full accounting audit and enforce consumer protections accordingly.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : - Company Name : Experian - Company Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Phone Number : ( XXXX ) XXXX ( Experian customer service ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the US BANKRUPTCY COURT NEW JERSEY. The bankruptcy was reported under reference # XXXX and listed the date of filing as XX/XX/year>. I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

3. Actions Taken : On XX/XX/year>, I sent a written dispute directly to Experian requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 

4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being. 

I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 

Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance.
Product: Debt collection

On XX/XX/ I sent to credenence resource management a request for a debt validation pursuant to 15 USC 169g to them by certified mail. 
I went to check the status of the delivery and it said that the address was unknown and the letter would be returned back to me. So I checked the address again on my credit report and that was the right Address they had listed on my credit report. This company is reporting this on my credit report and the companys address to contact them is wrong.