23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion ( TU ) is reporting a bankruptcy on my credit report that is showing the wrong filing date. The bankruptcy I 'm referring to is : NORTH CAROLINA XXXX COURT-XXXX - Docket # : XXXX If the correct filing date was showing, this bankruptcy would already be deleted, and would not be on my credit report. I 've reported this to TU several times, but TU keeps telling me this information has been verified. I asked TU how they verified it, and they said they contacted the bankruptcy court and that 's where they get their information from. I called the bankruptcy court myself inquiring about this matter and asked them if they would please contact TU and give them the correct filing date. The clerk at the courthouse told me they do not give out any information whatsoever to the credit reporting bureaus. If that 's the case, how is TU " verifying '' this information. Personally, I do n't think TU is doing any investigations at all. Each time I file a dispute, they just keep sending me a letter telling me that this information " has been verified. '' I asked them for the documentation that proved they had done an investigation, and they just tell me I will have to contact the source. ( In other words, the bankruptcy courthouse ) But I 've already contacted the bankruptcy court and they said they do n't provide any information to the credit reporting agencies, so how is TU verifying it?
Product: Debt collection

I received an invoice from First Credit Services ( FCS ) on XXXX XXXX XXXX ( Gold 's ) behalf, in the amount of {$110.00}, for 5 ( five ) months -- XXXX, XXXX, XXXX and XXXX, XXXX and XXXX of XXXX with respect to Membership Agreement # XXXX, dated XX/XX/XXXX. This is not my responsibility. Please see the attached invoice - XXXX History debit/credit card voucher containing Mr. XXXX XXXX XXXX ( XXXX XXXX ) financial information. I have never received a call or bill from XXXX XXXX XXXX concerning payments. The last time I used XXXX XXXX XXXX was approximately the end of XXXX or very early XXXX. It is apparent that XXXX XXXX XXXX is trying to obtain payment from me because it has been unsuccessful in attempts to reach Mr. XXXX for payment. Please let me know if you need assistance contacting the responsible party to come to a reasonable solution in this matter. 

I responded to FCS informing them that this is not my account via letter dated XX/XX/XXXX. FCS responded to me on XX/XX/XXXX, with a contract that does not contain my signature, as well as the aforementioned invoices - XXXX History statement. 

Additionally, the gym was shut down in XXXX due to the ongoing pandemic COVID-19 ; and yet XXXX XXXX is billing Mr. XXXX for XXXX, XXXX and for XX/XX/XXXX.
Product: Credit card

I am writing to demand the immediate removal of late payments reported on my credit account. This late payment occurred while I was under the protection of the Billing Act. 

Despite complying with all necessary procedures outlined in the Billing Act, including [ briefly mention any actions you took, such as contacting customer service ], this late payment remains on my credit report. This is unacceptable and violates my rights under the Billing Act. 

I insist that this late payment be removed from my credit history immediately. Failure to address this matter promptly will leave me no choice but to escalate this issue further. 

Attached are copies of relevant documents supporting my case, including [ mention any relevant documents ]. 

I expect a resolution within XXXX  days.
Product: Debt collection

I receive notification from my credit report of a derogatory item on my credit. I further look into the matter as I do not owe anyone besides my normal routine bills. I see a collection from a company I have never heard of listed as " Fox Collection Center '' in the amount of {$140.00}. I check my credit report every day and this has not been on here but yet XXXX  has it listed as XX/XX/2019 and I have not seen anything in writing from this company notifying me of a debt owed, or any intent to place anything on my credit for me to dispute, nor verifying I am the actual owner of the debt which is in violation of FDCPA. This company further more is NOT licensed in State of TN to conduct any business with any consumers who reside here. I would like this deleted off my credit report immediately! Delete, cease and desist any further communications due to violation of rights and NOT properly notifying me of any debt or any intentions to place anything on my credit which is a federal law!
Product: Vehicle loan or lease

I had a problem with the interest rate it was way to do to me having at the time bad credit and I felt I was taken advantage of.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this account directly with XXXX. XXXX XXXX XXXX can't collect on a debt that I paid in full with XXXX. see attached, shows payment for {$66.00} to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Vehicle loan or lease

Im having a huge issue with Santander Consumer, they reporting to the credit bureau that my loan is not paid in full. They charging fees huge fees for me paying this loan off XXXX. XXXX time and I believe XXXX dollars in the month of XX/XX/2022 I disputed them numerous occasions evertime I dispute them. They update with me owing more. I have receipts proof and the bureau still have not changed anything.
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 {$1000.00}, {$1100.00}, {$2300.00}, {$0.00}, {$710.00}, {$5100.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

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

3. XXXX  CARD with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.

-- AUTO ACCOUNTS 4. XXXX  XXXX  XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- COLLECTION ACCOUNTS 5. XXXX  XXXX XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$710.00} -This is not my account.

6. XXXX  XXXX  XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may  have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and spoken to numerous people as well as sent several certified letters. The response is the same that the bankruptcy was verified through XXXX XXXX. The agency has not verified through XXXX XXXX because they have been suppressed. How are they continuously sending back verification via XXXX XXXX
Product: Credit reporting or other personal consumer reports

APPROXIMATELY 10-12 MONTHS I HAVE REQUESTED MULTIPLE TIMES FOR EQUIFAX/EXPERIAN/TRANSUNION TO PROVIDE PROOF OF ACCOUNT DETAILS WITH DOCUMENTATION. I HAVE DISPUTED THE ACCOUNT DETAILS AS IT IS EFFECTING MY CREDIT SCORE AND HISTORY. THE CREDIT AGENCIES ARE NOT FOLLOWING THE LAWS AS THEY CONTINUE TO VIOLATE MY RIGHTS UNDER FCRA. THEY HAVE MADE MULTIPLE CHANGES WHICH ALL HAVE BEEN INACCURATE, THEREFORE THIS ACCOUNT MUST BE REMOVED ALTOGETHER. 

XXXX XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX - {$7700.00}
Product: Debt collection

In XX/XX/2016 after carefully reviewing my credit report XXXX accounts showed up on my credit from XXXX and XXXX.I immedietly disputed the XXXX accounts and placed a fraud alert on my credit reports. I have been back and forth with the creditor as well as the credit. Finally after months of disputing and making complaints the debt could not be validated and was deleted from my credit profile.over the past couple of weeks i have been getting letters in the mail from the collection agencies, for the same accounts. So it appears that the creditors deleted from my credit profile but then sold the account to multiple agencies. This debts are not mine and all i have been asking for for months is validation of account. also please look into the creditors selling these accounts to multiple agencies now i am receiving multiple letters which can be related to harrassment. I am requesting that the collection agencies validate debt owed and quit sending collection letters to my home. 

I have attached the letters that I am receiving from different collection agencies for the same account.
Product: Prepaid card

I bought a reloadit pack from Blackhawk network. I am trying to add {$500.00} from their website to XXXX of my netspend cards and both cards are coming up restricted on their end. I have a total of {$1500.00} worth of reloadit cards that I need to use to put money on my netspend card. Both companies are saying it 's the other. I just need this figures out I leave for a vacation at the end of the week.
Product: Mortgage

I believe that SPS is conducting in dual tracking practices. On many occasions while communicating on procedures or options, the bank engages in something opposite. XX/XX/XXXX I was in a forbearance plan, SPS filed for foreclosure sale on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX, during request for mortgage assistance. Most recently in litigating this matter. SPS did not informed me nor my attorney that the XX/XX/XXXX sale was cancelled two to three weeks prior. I spent money to file an appeal not knowing what they did. In XX/XX/XXXX, I informed SPS that I would except one of the option of a short sale that was approved for me. During the process of listing and eventually getting an offer. SPS sent me a new notice of foreclosure sale date of XX/XX/XXXX. They can not be trusted, and must be held accountable. I have been negotiating fair during this entire process. They wont give a reason why
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 {$5100.00}, {$3500.00}, {$3400.00}, {$1900.00}, {$6400.00}, {$7600.00}, {$2200.00}, {$3200.00}, {$3900.00}, {$4200.00}, {$9600.00}, {$4100.00}, {$0.00}, {$0.00}, {$0.00}, {$2300.00}, {$580.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3400.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

8. XXXX XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

9. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- XXXX XXXX 12. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNTS 14. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

15. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

16. XXXX XXXX XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- COLLECTION ACCOUNT 17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account.
Product: Credit card

This is to complain about my credit scores submitted by Comenity Bank or Bread Financial to XXXX, XXXX and XXXX credit scoring companies. I was alarmed today because upon checking my XXXX XXXX account, I have 3 months of unpaid bills from Victoria Secret. This bill amount to XXXX XXXX dollars from my original credit of {$58.00} something XXXX dollars. The rest were their charges from unpaid monthly bills. But I believe this is not right because the reason why I couldnt pay it is because they made it hard or impossible for me to pay it. And back in XXXX or XX/XX/2023 when I first attempted to verify using the VS ( Victoria Secret ) app, I could not access my account. Its locked or it is closed. Then I tried calling customer service to address the problem, it did not allow me to talk to a live person, it just informed me that my account was closed by the bank and that I could not proceed further. I did go on with my days, and I believe I attempted the app and the phone customer service XXXX or 3 times until I just give up or maybe I though, oh well. The account is closed maybe I dont owe anything anymore. Until today, when I checked my email, among all my tons of mail, one caught my eye and it was emailed to me 2 days ago from Victoria Secret. It caught my eye because it wasnt a marketing offer. It says that it needed attention so I opened it. It was account an attempt to collect all of a sudden XXXX dollars. So I got shocked. Did I get hacked? I didnt make any such purchase from VS. So I attempted again to log on to my account, change pass and all, as the account was locked already due to several attempts. And for some reason it finally allowed me to access and there it was, amount due XXXX USD. Anyway, I have complained this already to CFPB complained number XXXX and this new complaint is in connected with my prior complaint because my credit scores were greatly affected. My XXXX score went down from XXXX to XXXX, my XXXX score went down XXXX to XXXX and my XXXX Score went down from XXXX to XXXX. Not because I did not want to pay or did not attempt to pay what was due but because their payment system was blocking me from paying them.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} 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

Unknown and unauthorized inquiries on XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is involving Key Bank. On XX/XX/2023 I noticed a unauthorized withdrawal from my bank account in the amount of {$79.00}. I called the fraud dept. immediately and told them I did not authorize this transaction, we cancelled my card and she gave me back my money or Provisional credit. The company that took this money according to my bank statement is called XXXX out of XXXX Texas, this company does not exist. On XX/XX/2023 I receive from Key Bank stating that, the review of the Merchant documentation. It reflects information that matches your current account, well of course it does they are scammers.So now they are saying I authorized this bogus transaction and they take back the {$79.00} that they gave back to me. Key bank sends their " Proof '' or order details now the company is called XXXX, the name keeps changing they are supposedly out of XXXX Texas also. I checked with the Chamber of Commerce in XXXX Texas there is no such company there. In the same letter they send me this proof. Says Transaction date XX/XX/XXXX, Transaction type : Purchase, says product description which is blank. It says I signed for this non existent package and says it is a track able delivery. They say they have a signed receipt from " Logistics '' claiming I received this bogus package with a timestamp and my signature none of which anyone can produce. Then i see the shipping details, it gives me telephone # for the company I call it it's a bogus # date of Shipment XX/XX/2023, Tracking # XXXX which doesn't exist and not one person could tell me who delivered it I asked what company they said XXXX, then someone else said XXXX, I said Express what, no answer. I have been ignored and treated so poorly by this bank I am XXXX XXXX XXXX and on a fixed Income what they have done is disgusting '
Product: Vehicle loan or lease

I have a car with XXXX XXXX XXXX. They have closed and filed bankruptcy. XXXX XXXX has taken over apparently but cant get information from them about if they will have title once paid for or basically any other info. I have had the car since XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX XXXX XXXX XXXX  CASE NUMBER : XXXX Bankruptcy Dates XX/XX/24, XX/XX/24, and XX/XX/24 with all credit reporting agencies. in response they verified the item as accurate, stating they verified the information with the courts. I contacted the courts and their response is attached it's clear the courts do not report to any credit reporting agencies ; therefore, their initial response verifying the item with the court was an error or fraudulent. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ), and the information must be deleted Immediately. 

I'm attaching an affidavit and photo identification as proof of identity to expedite the process. 

Thank You