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

I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed. 

1. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

MY ETRADE CHECKING ACCOUNT WAS CLOSED WITHOUT MY PRIOR AUTHORIZATION. MY ETRADE CHECKING ACCOUNT WAS FUNDED DIRECTLY BY MY HARD EARNED SOCIAL SECURITY BENEFITS VIA DIRECT DEPOSIT AND I HAD NO WAY TO PREPARE FOR MY ETRADE CHECKING ACCOUNT BEING CLOSED. I HAVE COMMUNICATED WITH ETRADE AND HAVE BEEN UNSATISFIED WITH THE RESPONSE. I WAS TOLD BY XXXX XXXX, XXXX UTAH OFFICE VIA PHONE CONVERSATION XXXX/XXXX/17 THAT THE ACCOUNT WAS CLOSED AND A CHECK WAS ISSUED NO. XXXX IN THE AMOUNT OF {$5500.00} BUT I NEVER RECEIVED THIS CHECK. LOSS OF THIS MONEY GOT ME EVICTED FROM MY FORMER RESIDENCE. I FEEL ETRADE IDENTITY THEFTED ME BECAUSE IT CLOSED THE ACCOUNT WITHOUT ALLOWING ME TO WITHDRAW ANY FUNDS AND I HAVE BEEN SUFFERING WITHOUT THIS MONEY FOR QUITE SOME TIME. I AM A SEVERELY XXXX SENIOR AND THIS IS QUITE UNFAIR HOW ETRADE HAS HANDLED MY CHECKING ACCOUNT WITH THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through the process of having a background check done for a new job. The company responsible ( First Advantage Background Services Corp ) found a case involving ARMED CAR JACKING and one involving ARMED ROBBERY committed in XXXX XXXX XXXX COUNTY, MS in 2017. However, I never committed these crimes nor have I ever even lived in or visited XXXX County, MS . Despite the fact that they have my Social security #, Birthdate, and the entirety of my residency history for the past 8 years they still somehow connected me with these crimes and put it on the report sent to my employers. After I found out about this through email I contacted the company via phone and once I had verified my account the representative I spoke to said the only way to resolve this was to dispute the information through the company. Then said he would start that process with their dispute department after verbally verifying that I disputed the inaccurate information. Finally he asked me to verify some physical characteristics and then gave me an email address to send pictures of my drivers license too. I do not feel comfortable doing that seeing as they can not even handle a simple background check correctly.
Product: Debt collection

The account below is not mine, I have no knowledge of the creditor below. 

REPUBLIC FINANCE XXXX {$8200.00}
Product: Debt collection

First received a telephone call from Transworld Systems Inc stating I as trustee of my sister 's family trust owed them {$190.00}. I told them to send me something in mail and I'd review. They did try to get me to pay over the phone. I refused. 

Just received mail stating I owed {$190.00} to TSI as debt collector for XXXX XXXX XXXXXXXX. I called XXXX and the account referenced in the letter does not exist. I have not paid anything. I'm not aware of anything owed, this trust literally only has an insurance policy in it so it didn't make any sense, given everyone still alive. 

I believe this is fraud attempt to collect a debt that does not exist. When I called XXXX  I was told they do not send claims to TSI. I fear the public will pay and possibly turn over their information to this company. Letters and calls were pretty professional, I'm grateful I did not scan any QR codes, or get on their website.
Product: Credit reporting

I signed up for a credit reporting service with TransUnion for a XXXX dollar charge. Later I learned they were charging me {$17.00} a month. I have stopped the charge but they will not refund {$35.00} charged to my credit card account. I did not know there was a recurring charge when I signed up. 

I am a college student and just starting to use a credit card. If TransUnion had disclosed the monthly charge, I would not have signed up. It is not worth it to me. I believe this is unfair and deceptive. 

Will you help get my money back and have TransUnion stop taking advantage of people? 

XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Also, the Date Reported is inaccurate ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit card or prepaid card

Yes apparently there is a bank of america credit card in my name. It has like 2000 limit. It shows on my credit score. I never got this card and looks like the person missing payments. Which is affect my score. I have no idea what card it is. I try to call the bank of america check on this card no avail. Cuz i don't have the account info or the person email or address. This card should be mine Do you not check people out>? Never got anything on this credit card.
Product: Credit card or prepaid card

Hello. I had booked a flight in XX/XX/2020 for a trip in XX/XX/2020. Of course due to the very beginning of the pamdemic, I was not able to fly. XXXX airline refused to give a refund. I took a credit hoping things would improve in a few months. Things got worse. I had to go back and forth with XXXX to extend the credit several times hoping I could use it to avoid losing my {$200.00}. Over a year and half later, we are still in a crisis. It is not safe to fly esp with the new variants and numbers rising with people getting sick. I reached out to XXXX numerous times. I reached out to XXXX XXXX XXXX  and they too refuse to help. Not fair to pay for a flight that I did not and CAN NOT take. I made dispute claims with credit card company. Sent letters. Submitted documents. And no response. Finally on XX/XX/XXXX I received an email from XXXX stating the previous representative you spoke with has already submitted a request for a refund, and the case is now being reviewed. Refunds may take up to 7 business days to reflect back on your account. Please follow up with your bank or credit card company in about a week for the status of these funds. 

No refund has been given to me account. I followed up with XXXX XXXX aka XXXX XXXX. It's been 3 weeks and no answer. 

Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Experian Report Number XXXX Dear Consumer Financial Protection Bureau , I am writing to dispute several potentially negative and inaccurately reported items on my credit report associated with my XXXX  XXXX Bankruptcy, which I believe are impacting my credit scores unjustly. My details are as follows : Debtor Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Experian Report Number : XXXX Incorrectly Reported Accounts : XXXX Date Opened : XX/XX/XXXX Status : XXXX through Bankruptcy XXXX  Date Opened : XX/XX/XXXX Status : XXXX through Bankruptcy XXXX XXXX  Date Opened : XX/XX/XXXX Status : XXXX through Bankruptcy These entries incorrectly remained unchanged even after my initial dispute in XX/XX/XXXX. As mandated by the Fair Credit Reporting Act, I am requesting a reinvestigation of these items. 

Attached you will find copies of documents that support my claim, including : Correspondence relating to the initial filing and discharge of the bankruptcy. 
Proof of the discharge that clarifies any inaccuracies in the dates or other details reported. 
Any previous correspondence with your agency regarding this dispute. 
Given the potential impact of these discrepancies on my financial health and opportunities, I urge you to correct or remove these inaccuracies from my credit report as soon as possible. Should the reinvestigation not resolve my dispute, please include a statement of the dispute within my credit file to clarify the contested nature of these records for future credit assessments. 

Thank you for your attention to this matter. I expect your prompt response and resolution of my dispute, ensuring the accuracy and fairness of my credit reporting. 

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

I have wrote several letters to the bureau 's in regards to the inaccurate reporting of an account reporting on my credit report from XXXX XXXX XXXX. On XX/XX/XXXX I wrote a letter to the credit bureau 's XXXX & Equifax to notify them that there is a past due balance reporting on a collection account from my understanding a collection account is past due account and should not have a past due balance. On XX/XX/XXXX I sent a letter to the credit bureau 's to notify them that the date of last activity is reporting inaccurately it's reporting XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XXXX XXXX ( Equifax ) which makes me believe the debt has been re-aged. I would also like it to be noted that Equifax is reporting a late payment of 120 days on a collection account from my understanding a collection account is a late account. There is also a date of last payment reporting for XX/XX/XXXX, however, there is no date of last payment reporting for XXXX and XXXX. 

I would also like to add that the bureau 's failed to respond to my first two disputes as they continued reporting this account to my credit report so at this time I have no choice but to reach out to you at the CFPB.
Product: Credit reporting or other personal consumer reports

Someone used my social security information to secure loans and products from XXXX XXXX for XXXX TD Auto finance for XXXX and Capital One for XXXX fraudulently. I submitted XXXX police reports six times 6X 's to the agencies and Major XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX with Notarized Affidavits sent certified postal service that continue to not be unacknowledged and acted upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I filed a complaint with XXXX XXXX for supplying inaccurate personal information to XXXX, the company that provides a Mobile banking product to my bank. Because of the inaccurate information, I am unable to access my banking accounts through mobile banking because through their stepped up authentication process I can not answer their questions correctly because of the inaccurate information they provided. After multiple calls to Lexis Nexis I finally received a written report with their compilation of public record and non public record on XX/XX/XXXX. I called Lexis Nexis today to ask them to remove the inaccurate information and they refused. I called the number published on the report ( XXXX ) XXXX-XXXX and spoke with XXXX. This is causing me consumer harm as I can not access my accounts through mobile banking, nor make mobile deposits. One of the accounts I have is a rewards checking account that requires me to log on once per month. If I am traveling without access to a computer I can not meet the account product requirements because I can not used my mobile phone to log on..
Product: Credit reporting or other personal consumer reports

Multiple times over mulptiple years, I have disputed with the credit bureau and XXXX XXXX incorrect information that is on my credit report. I received a recent update on my Equifax credit report stating that my information is correct and that it was verified by XXXX XXXX. Unfortunately, someone is lying again. It is now updated to an account that is too NEW to rate and they added that it is 60 days late instead of 30 days in XXXX of XXXX. This account is too old to be on my report and it was closed and XXXX balance as of XXXX. All of my accounts with XXXX XXXX  have been closed and paid on or before XXXX of XXXX. I have no open or new accounts with them. However, they list this account as a XXXX account. My question over the last XXXX years of disputes with this account is how can something be late if it was paid and closed in XXXX. The account can not be late if there is no payment due. I contacted XXXX XXXX today and not XXXX person could connect me to XXXX, who is the person who signed the letter stating that its my fault because I disputed this account too many times. Unbelievable, I have been disputing it because no one is doing their job correctly. Today, I spent over XXXX minutes on hold talking to at least XXXX different people and not XXXX person could help me. This account and any accounts on my credit reports from XXXX XXXX need to be deleted. This account is over XXXX XXXX XXXX and it has been reporting inaccurately for XXXX years. Yes, XXXX  years I have been trying to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Under Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. A copy of a previous complaint and response is attach.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have reviewed my credit report and have identified several accounts that are inaccurate and do not belong to me. I request that you immediately remove these accounts from my credit report. 

XXXX XXXX, Account XXXX : XXXX It is not possible for this account to have a payment history as it is a charge off. I request that you delete this account immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I have no memory of ever being associated with this company. I request that you remove this account from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX I have never had any business relationship with this company. Therefore, this account does not belong to me and I request that you delete it from my credit report. 

XXXX Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account XXXX : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

I understand the importance of having accurate credit information and I urge you to take immediate action to remove these inaccurate accounts from my credit report. I appreciate your prompt attention to this matter and look forward to receiving written confirmation of the removal of these accounts from my credit report. 

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

Have tried multiple times ( at least a dozen ) and on multiple days from XXXX XXXX - XXXX ( missed the XXXX since we were dealing w XXXX XXXX ) both by email and by phone to put a security freeze on my account with Equifax. Ive put in my personal information at least 10 times both online and on the phone system and after doing that either get no response, cut off or a message that says a security freeze can not be completed at this time. 

This is unacceptable when they have had a security breach. 


Mailing my social security number, copies of my identification and credit card number is NOT an acceptable solution as that is even less secure than Equifax 's system. Unbelievably this is what is suggested. Why would anyone do it that way?????
Product: Debt collection

Pressler & Pressler had taken over XXXX from my bank account without my knowledge each time. The last withdrawal was a week before XXXX. I became very XXXX since. I almost lost my car, got evicted, water got shut off ect ect. They haave threatened to have me arrested and said that i would have to come up with the money somehow. I never allowed them to take any money from my account. The first time they took money out the women I spoke with asked me if it was ok for them to withdraw money again and I said No! They still went into my bank account a few months and did it again! All of my sons child support gone. I do n't think they went about this fair. The court officers were very nasty and would hang up on me or yell at me when I would call them to find out the debt. I asked Pressler & Pressler to send me all the information on the debt so I can see what I owed and all they sent me were papers stating how much I owed. That was not enough proof for me. They just tell me I owe this I owe that but they have no proof and they still go in my bank account and take my money. They took money out two times for an account and they still have n't refunded me the money. They are denying taking out the money and I had XXXX send them twice the proof that the money was withdrawn from them yet they still wo n't refund me the money. I 'm so confused on how to settle this cause they do n't give me a minute to explain. They hang up on me ... Please help me. I. Afraid to put any money in my account to pay bills because I do n't want them to clean out my account again. I went through a very bad XXXX after this and I just want this nightmare to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reported on my credit report that is incorrect. I have disputed it and the CRA has maintained that the court has verified it. This is a lie, the court verifies no such information. I have included the transcript of the voicemail left by th e Clerk of Court. She has provided her number if they need to call for follow up.  I 'm not sure where they are getting the information but it is not from the court as they have said. Additionally they verified the bankruptcy as a reported "  XXXX  '' balance case. I 'd like to know who files bankruptcy on for a  XXXX  balance? The clerk has also verified they do not provide social security numbers or birth dates to PACER or the likes. The reporting of this information is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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, credit repair services, or other personal consumer reports

Nissan Motor Acceptance showed me paying 30-days late for the month of XX/XX/XXXX. XXXX XXXX XXXX ( XXXX ) applied my payment for the month of XXXX as a principal only payment, when the payment should have been applied as a regular payment just as it has shown and been processed since the account opened and started reporting back in XXXX of XXXX. 

I contacted the company ( Nissan Motor Acceptance ) and they were supposed to correct the payment and have the issue resolved with the credit bureaus and reporting agencies. I also filed disputes with the bureaus and it was removed for 1 month and then placed back on for some reason.
Product: Credit reporting or other personal consumer reports

Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. XXXX XXXX states that any billing errors must be corrected and the account updated to show it was paid as agreed.
Product: Prepaid card

As a reward from XXXX, I got a prepaid Visa card through CitiBank. I received the card from Citi about XXXX XXXX, 2015 and did not use the card until XXXX XXXX, 2015. I used this card a couple more times in XX/XX/XXXX, then put it away for future use. When I went to use it again last week ( XXXX XXXX, 2015 ), I called to get my balance and was told by Citi that my card had a balance of {$27.00}, but my card had expired at the XX/XX/2015 and that here was nothing that could be done to get my balance of {$2.00} I know that it is only {$27.00}, but I think it is highly unfair of Citi to have such a quick expiration date for their card ( XXXX months to use the card ). Most cards give you at least a year to use them, which is why I did n't check the expiration date on the card. Is there any way that Citi can be made to issue me another card with my balance or re-open my current card. If they withhold enough people 's balances, they 'll have a gold mine. This is totally unfair!
Product: Vehicle loan or lease

Hyundai Finance XXXX, TX accepted payments before the deadline of XXXX PST Sunday and charged me additional late fees. The first time this happen they told me they would not honor the correction anymore. However ; payments are being made before XXXX PST in California and should not be subject to any late fees under California