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

On XX/XX/22, I spoke with personnel from XXXX, Equifax, and XXXX about the potential existence of phony accounts on my consumer file. Since I knew nothing about them or how they got there, I asked them to deactivate the accounts. I was given the go-ahead by all three companies to submit the necessary documentation and finish the FTC report XXXX I sent my letters certified mail on XX/XX/22. Even though the accounts are not mine and have been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' This issue baffles me and makes me angry because it makes it impossible for my family and I to make purchases. I contacted all three businesses once more on XX/XX/22 and inquired as to how they could demonstrate that these accounts belonged to me. They simply said that they couldn't help any more and that I should speak with the creditors directly. When I made an effort to contact each creditor who had been erroneously claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had no other choice but to turn to the CFPB website, as some of my friends had urged me to do given the circumstances. Since my family and I are trying to submit an application for a house, I genuinely hope that information is useful.
Product: Credit card or prepaid card

On XX/XX/XXXX & XX/XX/XXXX I received an email from the CEO 's ( XXXX XXXX and XXXX XXXX ) stating that Synchrony wanted to help XXXX XXXX victims. The email said they were not going to charge late fees, give credit limits and other services. I called on the XX/XX/XXXX to find out what services they were providing. The Customer Rep said they were only giving a one month extension. My next payment was due XX/XX/XXXX. I was approve for the extension. Today I receive a credit alert saying my scores dropped because my Sam 's XXXX was decreased by XXXX dollars. My limit was XXXX. I called Synchrony and the Customer Rep said I was decreased for lack of payment. I spoke to three Managers who said it was n't anything they can do but take off the late charges and give me another month extension. They  could not restore my credit amount. My utilization is at 97 %. Other credit cards which I have never had a missed payment or late charges may do the same because they will see me as an high risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX Child support with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$850.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about fraudulent accounts on my credit report that remain despite my previous notifications to the creditors. The accounts in question are : - XXXX XXXX XXXX, Account Number : XXXX - XXXX XXXX XXXX, Account Number : XXXX I have previously contacted these creditors, and although they claimed to investigate, the fraudulent accounts remain. This situation is a violation of several provisions under 15 USC Code laws. 

I am attaching the FTC report for reference and request immediate removal of these accounts from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my consumer report that should not be there.XXXX XXXX XXXX  XX/XX/2022 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I made arrangements with Citi Bank to settle a Home Depot credit card balance for XXXX. I received a letter from Citi Bank that was dated XX/XX/2020 stating the details of settlement. On XX/XX/2020 I made a payment of XXXX to settle the debt with Citi Bank for the Home Depot credit card. I was given the confirmation number XXXX. I was told by the representative that the account would be reported as settled to the credit bureaus with a XXXX  balance. In the letter I received, it also stated the amount i was to pay ( XXXX ) and that the account would be reported as settled. However, the account status was never changed and the payment was reported as just a regularly payment that was taken off of the original balance. It was not reported as settled. Citi bank still shows that I owe them a balance for this acct. I disputed with all 3 credit bureaus and Citi Bank is stating the information is correct. I have not been able to get in touch with a representative from Citi Bank and have been on hold for over an hr each time I have tried to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name was one of the ones included in the recent Equifax hack. As a credit-reporting agency, I feel like their Information Security team should be one of the best in the field, if not the best. I do not understand why simple bug in website coding allowed such a massive breach unless some portion of Information Security was grossly overlooked.
Product: Credit card or prepaid card

I received visa debit card in the mail for activation. I didn't request this card. My personal information has been stolen because I've also been issued an Unemployment Insurance PIN and I haven't requested unemployment benefits. I'm thinking whoever stole my personal information also had something to do with this credit card request. 

The card website is usbankreliacard.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance to the FAIR CREDIT REPORTING ACT, XXXX  account # XXXX XXXX  # XXXX, # XXXX AS well as the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has violated my rights 15 USC 1681 602 A states I have a right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
The accounts I am talking about are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Today, XXXX XXXX, 2015, I received a copy of my XXXX XXXX XXXX. Listed, is DIVERSIFIED CONSULTANTS on behalf of XXXX.I HAVE NEVER RECEIVED NOTICE OF RIGHT TO DISPUTE BY DIVERSIFIED CONSULTANTS. I am DISPUTING, via this writing DIVERSIFIED CONSULTANTS improper and inaccurate reporting to my consumer file. I am ALSO DISPUTING, THE {$99.00} reported. I paid XXXX every month on time for year 's. I want this removed " immediately '' from my consumer credit file. It is illegal reporting by both parties. My personal information is being provided for the CFPB use " only '' ( solely, for this complaint ). It is NOT to be used by XXXX or Diversified Consultants.
Product: Checking or savings account

Opened in credit card with wells Fargo in XXXX, and have had it since then. Wells Fargo is jacking up the interest rate so far that it has become more than the credit line I have itself. They keep threating me to charge it off and keep reporting my credit so it drops my credit even though I am never late when it comes to payments and they charged the interest off.
Product: Mortgage

I lost my job due to XXXX. My credit scores went way down and I applied and got approved for a forbearance thru my lender ( Rocket Mortgage ). I made the scheduled trial payments during the workout plan and actually sold the house on XX/XX/XXXXat which time the loan and all fees were paid in full. Rocket erroneously reported my account as delinquent on XXXX even though I was in an approved forbearance workout plan and they showed a past due balance of over $ XXXX, which was the amount deferred under the forbearance. They marked me as missing XXXX and XXXX payments when for XXXX nothing was due and XXXX was paid. They refuse to remove the derogatory and delinquent remarks even though I was current and have paid the loan in full. They told me I have to waitXX/XX/XXXX years for it to come off. I can not get approved for any loan from any lender due to my credit score dropping to XXXX the day they reported my account as delinquent. I'm aXX/XX/XXXX working full time and we have to rent a small apartment that is more expensive than my mortgage was because I can't get approved for a loan from what Rocket Mortgage did. I paid them in full, they need to make things right for me and for my family.
Product: Credit reporting or other personal consumer reports

Dispute Of Inaccurate Reporting of Late Payment on my credit report relate to the following account : XXXX XXXX. ACCT # XXXX XXXX XXXX XXXX ACCT XXXX XXXX  XXXX  Subject : Request for Incorrect Late Payments under the FCRA, specifically 15 USC 1681.

I am writing to dispute an incorrect late payment report on my credit report, specifically in regards to the accounts referenced with XXXX XXXX XXXX XXXX XXXX 
Upon thorough review of my credit report, I have identified discrepancies in the reporting of these accounts. To the best of my knowledge and records, I have consistently paid these accounts on time and in accordance with the agreed-upon terms. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between myself and your company. Payment history, particularly late payments, negatively impacts my consumer report and constitutes a part of such transactions and experiences.

Additionally, under 15 U.S.C. 1666 ( b ), I request documentation of the reasonable procedures you have in place to ensure that periodic statements are mailed to me no later than 21 days before the payment due date. This documentation should include all information required by 15 U.S.C. 1637 ( b ) regarding the contents of such statements.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have consistently been adhered to. Therefore, the account should be reported with a status of " Paid As Agreed Never Late '' to accurately reflect my timely payments. Any deviation from this status misrepresents my financial responsibility and commitment to fulfilling my payment obligations.

Request for Proof : To validate the reporting of late payments on these accounts, I request the following : Documented proof supporting the claims of late payments, including dates, amounts, and any relevant communication.

In the absence of valid proof, I demand that these accounts be promptly updated to reflect their accurate status as " Paid As Agreed Never Late. '' Request for Timely Investigation : In accordance with the ( FCRA ), I request a thorough investigation of this matter and a written response within 30 days of your receipt of this letter. Failure to adhere to this timeline will be considered a violation of the ( FCRA ).

Please treat this as a formal dispute under the ( FCRA ). If the inaccurate reporting is not corrected or a satisfactory resolution is not provided, I may escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure compliance.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide a written response with the results of your investigation. If you require additional information, I can be reached at XXXX Sincerely, XXXX XXXX XXXX
Product: Debt collection

The Date : XX/XX/2021 Amount : {$3000.00} I had to move out of my house. Was never late on my rent payments and made sure the house was move in ready for the next tenant before I moved out. After pulling my report this month ( XXXX ) I see that this company ive never heard of has an amount for collection of the above amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD opened XX/XX/2016 Account charged off. {$630.00} written off. Account closed at credit grantor 's request. 

{$630.00} XXXX XXXX XXXX refuses to remove from my credit report after multiple disputes and requests to do so. 

Collection Contact Info : JPMorgan Chase Credit Card XXXX XXXX XXXX XXXX, XXXX, DE XXXX Request to remove unlawful collection
Product: Debt collection

Portfolio Recovery Associates, on behalf of XXXX, XXXX XXXX has been constantly calling me and annoying me. I have explained to them that I had credit card fraud going on when I made a few purchases at XXXX XXXX, and that I returned the items back to XXXX XXXX. I have even told them I have a copy of the police report I made when I had this credit card fraud going on. They still hound me and insist that i owe close to XXXX dollars.
Product: Credit card or prepaid card

My card was reported stolen but I am be charged for it.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXXXXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you CFPB for assisting me in resolving this matter. To again summarize there is an account showing on my personal credit report from XXXX for {$1500.00}. The unverified account from XXXX showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt- which illegal and outside the statue of limitations to collect on. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that  XXXXCease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Money transfer, virtual currency, or money service

https : XXXX This ad was advertising an apartment, I contacted them on XX/XX/22 to apply and they asked me to XXXX them a {$75.00} application fee which I did. When I was " approved '' as a tenant they asked for a {$1000.00} security deposit before I could see the unit and this was when I realized it was a scam. The XXXX account info is : Name : XXXX XXXX Email : XXXX They are pretending to be a man named XXXX XXXX and using the phone number XXXX and XXXX. They also sent me a picture of a fake ID with a man on it and the name edited on it on XX/XX/22
Product: Credit reporting or other personal consumer reports

Account was charged with overdrafts fee although monies were paid off and did NOT reflect on the account. I would like to have this account removed from my credit report and monies that are owed issued back to me. I would also like to have my account reopened or have the ability to reopen an account being account was closed in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unauthorized inquiries o n 2 occ asions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.     XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX
Product: Consumer Loan

I had a loan for my car with Santander. I stopped making payments XX/XX/2011, the car was repossessed XX/XX/2011 the car was then auctioned off and the payment was applied. The remaining amount owed was {$1400.00}. I never got a letter stating the amount owed. I was verbally informed over the phone after multiple calls early in the morning and late at night. I was able to pay the remaining balance. However, on their end it is not showing as paid. They sold the loan twice to different debt companies, none of which called me to inform me of the " debt ''. Now I am being sued for the {$1400.00} from a debt collector. My credit report is showing inaccurate information as well. The only payment history it shows when XX/XX/2011 when my last payment was made and XX/XX/XXXX when the car was repossessed, then it is showing when their payment from the auctioned was applied. I had my loan with them for 4 years prior to this. None of that payment history is on there. I believe this is a violation of FCRA.
Product: Credit reporting or other personal consumer reports

Hello, II have been trying to get into homes that does a tenant residency score. I have contacted transunion four different times about my residency score. I have revolving credit. My credit score is currently above a 660. I've paid off creditors with letters to support the debt was corrected. I feel that transunion is hindering me from getting into these homes. 
I also feel Transunion is giving old reports to the landlords inwhich I get denied for the property. I have no criminal background or evictions. 
I've reached out to Transunion but is getting nowhere. I ask to speak to a supervisor. They keep saying there is no supervisor at the time and will send them a message. The supervisor is supposed to contact me within 24hours and never do. Te representative then prtends e is a problem with the phone connection and the phone will go dead or busy.
Product: Credit card or prepaid card

Company name : PayPal Mastercard account My rewards cash back are missing. The last time I did redeemed was on XX/XX/XXXX with the amount of {$10.00}. Since then I couldnt able to redeem it. The company owes my rewards from XX/XX/XXXX to XX/XX/XXXX. 
Every time I am trying to redeem the cash rewards I got a error message redemption failure and it took away my cash rewards and it never applied to my PayPal wallets.The company owes me more than {$100.00} cash rewards and I want as a check for that rewards. Because I m not able to redeem it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$5900.00}, {$620.00}, {$1100.00}, {$1000.00}, {$2400.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Transworld account appeared in my credit report. This account is over 10 years old. Transworld bought it and reopened it. that was The last time there was activity on the account was back in 2007. Due to that length of time that last lasted, this should not appear on my credit report. XXXX  and XXXX  will not take it off.
Product: Credit card or prepaid card

The CAPITAL ONE appears to be a charge-off account with a specific balance of {$680.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account 's payment history is being reported differently from each Credit Bureaus.