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

I had opened a XXXX XXXXXXXX XXXX  card. I believe my limit was XXXX or XXXX. Then ingot and increase i belive for XXXX. I really didn't care for the store anymore so I called in to have the card closed. Requested my last bill or balance. Time passed I forgot about it. Then I get an update on my credit report for Over the credit limit and balance i know i I had. I very seldom use the card so my balance was maybe XXXX or less. It's showing on my report for XXXX. I Contacted comenity bank and they didn't have it a law office did. Contacted law office and they seen where account info said requested to be closed per card holder but they didn't close it. So why should I have to pay for their mistake. They were not willing to correct the info even thought they saw it on the paper work. So why should I have to pay extra for their mistake? They were not willing to correct it. Now a different company has account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am demanding these fraudulent inquiries be removed from my file immediately due to the fraud of these 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 incorrect things on my credit report. I have 1 collection from XXXX  XXXX  and one charge off from XXXX XXXX. This is against my rights. I shouldn't have several accounts from the same source. I disputed XXXX for XXXX on my account because balance is extremely high and was told balance was correct but no proof of what what being charged to me was shown to me. I had an account with XXXX and financed a phone for XXXX, plan was month to month no early termination fee and no finance fees. Why am I being charged over XXXX dollars? I have a negative charged off account for XXXX from XXXX They are reporting balances and past due incorrectly. I want all 3 negatives removed including the extra negative report from XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I contacted XXXX XXXX in writing to discontinue reporting the fraudulent collection account to my credit report as you are in violation of FDCPA. On XX/XX/2023 I contacted XXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account. To date, XXXX XXXX nor XXXX XXXX XXXX XXXX have responded to my request or discontinued reporting the associated fraudulent account to XXXX, XXXX, and Experian Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX XXXX, XXXX XXXX, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts and sent a copy to XXXX, XXXX, and Experian Credit Bureaus to dispute and delete this fraudulent collection accounts and any inaccurate information.
Product: Credit reporting or other personal consumer reports

Credit inquiries were put on my credit report without my permission. 

XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX  XXXX, XXXX Phone number ( XXXX ) XXXX SYNCB Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX SYNCB/TJX DC Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit card

i made a purchase two times for gift cards, {$100.00} each time. My credit card got locked, I was sent a fraud text with a phone number to call. I called the phone number twice and was placed on hold, after long waits i hung up. On the third call I was given an automated message that said their system was down and i would have to wait 1-2 hours, at this point it was after XXXX so i did not wait and called the next morning at XXXX. I was told on the call i had to provide an alternate phone number, not the one on my account, i did not have one since i do not have alternate users on my credit card and i do not have 2 cell phones. I was told i could give them a Citibank bank account or credit card to verify, i have another citibank credit card but their system did not recognize it so they could not use that. The last resort is to mail a physical letter to my address to verify, they will not verify me in person at a Citibank establishment either. I was also told if i call back in 1 day, they could use my primary phone number to verify me, so i waited a day, when i called back after that day, they told me it is actually a 2 day wait. I have spoken to 4 representatives and 1 supervisor, all telling me that there is no other way to unlock my card. To top it off, i had to use those gift cards that i purchased and was charged for and it locked all the other gift cards i used on the purchase so that i was limited on how i could use not only the gift cards from this Citibank purchase but the gift cards i had from another purchase from another credit card. I still don't have a resolution, i have {$450.00} worth of gift cards that i purchased with Citibank and another credit card that i can no longer use but have been scratched so i cant return them. Citibank credit fraud services really messed me up, caused me days of stress and i might be out {$450.00} for a legitimate purchase that was only {$200.00}.
Product: Checking or savings account

I am the victim of identity theft. A XXXX  gained access to my email account and switched my landline phone to his/her cell phone and used that to access my XXXX Goldman Sachs XXXX account XXXX So far they have stolen {$150000.00}. I am not able to even prove to XXXX that I am the rightful owner of the account because the hacker changed all of my passwords.
Product: Debt collection

The charges in my account reflects that it was a fraud I already complained this 2 years ago with the bank and they refused it so now they filed a lawsuit against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to dispute my personal information with Experian. The only option is online dispute. However, after creating an online account I'm unable to start the dispute as I keep getting the following message : " We're experiencing technical difficulties and can not access your report at this time. '' Calling the toll-free # on the screen provides no option to start the dispute. 
This has been happening for a week and there seems to be no other alternative to start the dispute. 

Please help!
Product: Checking or savings account

XX/XX/year> - I noticed two fraudulent transactions that were completed on my checking TD bank account. These transactions were from an ATM in a city I do not live in. I reached out to the TD customer service dept. to report these charges. I did not authorize or request any new debit card to be mailed out. A card was sent out without my authorization. A new pin was created without my knowledge and subsequently {$990.00} was taken out of my bank account. 

An investigation needs be taken on this incident and TD Bank Corporation as a whole as I suspect that I am not the only customer this is happening to.
Product: Credit card or prepaid card

I did overpayment to my citi credit card account. I talked with representatives on CC department to transfer the money from this to my ally bank-checking account on XX/XX/2018. 


XX/XX/2018 - Request for credit balance refund by me. I was told that the credit balance would be credited to my checking account within 3 to 5 business days. 
XX/XX/2018 - Rechecked the citibank. Citi representative mentioned me that it needed further verification from the bank where money was debited. Had phone conversation and verified the deposit clearance. I was told that the fund would be credited by Monday. 
XX/XX/2018 - I was told again that 3 to 5 business days XX/XX/2018 - Same story No one knows the status.
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 XXXX USC 1681. 

XXXX  : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed several inaccurate late payments reporting on my credit profile that was never late.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX Waypoint Resource group XXXX Dept Of XXXX XXXX Has XXXX XXXX rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to this ( XXXX ) treatment of inaccurate of unverifiable information. ( A ) in genera, after any investigation under paragraph ( XXXX ) of any information disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ( ANY ) purpose
Product: Money transfer, virtual currency, or money service

please also see complaint XXXX ABRA have kept my XXXX  and have asked me to change my jurisdiction to be able to get my XXXX  / money back, I live in two jurisdictions, XXXX and XXXX, I have contacted their support and asked for detailed instructions as to how I can change jurisdiction. However they have not replied or said how I can do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Product: Credit card or prepaid card

My complaint is against Barclays bank. What happen here is that Barclays bank is reporting a 30-day late payment this happen in XX/XX/XXXX-XX/XX/2019. The 30-day late payment is for annual fee which I was not aware I had to pay. Months back we tried to use the C.C and it did not work therefore I assumed that the account was closed. I was aware of this incident because I was informed my mortgage company telling me that I was no longer approved for a $ XXXX home loan, which is to close next week. Otherwise I will lose my {$10000.00} deposit for the property.
Product: Debt collection

A derogatory mark appeared on my credit report suddenly in XXXX of 2021 from JDHPE Finance.

Suddenly some predatory debt collector has dinged my credit report for 30+ points on some debt that was closed or charged off long before XXXX of 2021. 

The amount they have tried to pin to my credit report is approx XXXX. It said the original creditor was XXXXXXXX XXXX of which I have had no buisness or transactions that I am aware of in MANY years.
Product: Debt collection

Rent Recovery are still reporting on my credit that I owe them a balance and trying to collect on this debt. This debt was discharged in my chapter XXXX bankruptcy.
Product: Mortgage

Denied refinancing at a lower interest rate by SPS ~ Select Portfolio Services. This occurred while I was in XXXX with XXXX - XXXX. I had a XXXX and per doctor 's orders was not to be on my XXXX this time. I did the best I could, keeping up with my bills while only receiving partial pay of {$XXXX} per week from XXXX/workmen 's comp. At this time I was employed by a XXXX. Approximately two weeks prior to returning to my job they made the decision not to hold my job for me any longer, and I was terminated on XXXX XXXX, 2011. I got very behind on everything during this time period and applied to SPS to refinance my home at a lower interest rate, in order to lower my monthly mortgage payments. They rejected my application, while still charging me a 10.75 % interest rate on my home mortgage loan. According to current laws this is predatory lending. They have me over a barrel, as I had gotten farther and farther behind. I kept appealing their decision and finally they gave me a proposal for repayment which XXXX my monthly mortgage payment from approximately {$850.00} per mo ( which I was unable to afford ) to over {$1500.00} per month in order to repay the monies that I owe them. All the while the interest rate has never been lowered and is still the 10.75 %. We have been fighting them with an attorney for over a year now and they recently denied our filing stating we could afford the {$1500.00} per month for a mortgage payment. That is currently 47.5 % of my gross monthly income, which puts a real financial hardship on our household when considering other monthly living expenses. 








































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Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Dispute Department TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed with all three credit bureaus. About 2 collections on my credit report for the amount of {$340.00} reported on XX/XX/XXXX. And {$59.00} for XX/XX/XXXX. I have no knowledge of Ar Resources. I do not have a signed contract nor any contract with AR RESOURCE INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCE INC. I am not responsible for this debt with AR RESOURCE INC.
Product: Credit reporting or other personal consumer reports

They violated my privacy rights by sharing with non affiliated companies I want to opt out from sharing my non public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been watching my credit and Transunion has not timely updated my report with the correct up to date information. My score is not calculated correctly as in positive changes to my report decreases my score instead of increasing my score. My score with Transunion is 100 points lower than other bureaus because they are not reporting accurate nor in a timely manner. I have disputed with them in writing about this matter and when I call I can never speak to anyone. This is unfair reporting processes. I need help with speaking to a live person that will be able to understand that they are the bureau thats lagging in time and does not hold accurate information. They should not be allowed to report if the consumer does not have the ability to rectify wrong information. This is unfair!
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX 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

I filed an Federal Trade Commission report and affidavit and police report of being a victim of identity theft, and all bureau 's except for equifax blocked the concerning information. XXXX continues to report on my credit report, although it was not reporting at one point. I do believe my attorney stated once something is removed it is illegal for it to be put back on, well it 's been put back on and I am tired of fighting with this. This is the last fraudulent account reporting and if they do n't remove it I am going to have to sue them because it is keeping me from living my life and moving on from the horrors of being a victim of identity theft. For them to come back and claim they investigated as if I did n't file all the paperwork which makes them by law have to remove the file and block it, is an absolute smack in the face and I am tired of it. Remove it now and MAYBE I wo n't sue for damages because it has kept me from getting a house now and a new car, and kept me from getting a job selling insurance! this is ridiculous to get something done with this bureau, all the other XXXX removed it with no problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One - Late Payment 30 Days Past Due XX/XX/XXXX and XXXX Capital One XXXX - Late Payment 30 Days Past Due XX/XX/XXXX and XXXX XXXXXXXX XXXX  is not a card I opened under my name, I did not make any of those purchases and reporting late to my credit XXXX XXXX  Late Payment 30 Days Past Due Late Payment 60 Days XXXX XXXX also was not supposed to be on my credit as I did not attend that school XXXX XXXX is not a card I opened under my name, I did not make any of those purchases and reporting late to my credit XXXX is not a card I opened under my name, I did not make any of those purchases and reporting late to my credit XXXX Late Payment 30 Days Past Due Late Payment 60 Days XXXX Late Payment 30 Days Past Due Late Payment 60 Days Hard Inquiries and Soft Inquiries are incorrect
Product: Checking or savings account

Spoke with XXXX and she will not release the hold on my check what so ever and the deposited check has cleared the other bank {$500.00} deposited XX/XX/19 cleared XX/XX/19 And they declined to release the hold, claimed their had been a stop payment placed on it and there has not. It has been with drawn and cleared from XXXX XXXX XXXX XXXX and paid by XXXX XXXX XXXX XXXX. 
They refuse to release hold ... the claim the check again had a stop pay and it did not they claim the check was not paid and it was. They refuse to release the hold on MY MONEY violating Reg CC