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

I have contacted Transunion & XXXX several time to dispute the following information in my credit reports. 
XXXX XXXX XXXX XXXX  AMOUNT - {$940.00} This item by Original Creditor : XXXX XXXX, a utility provider in the state of Illinois  placed to collections : XXXX XXXX XXXX is inaccurate because I HAVE NEVER LIVED in the state of ILLINOIS. 
It first appeared back in 2017 on my credit report under XXXX   XXXX. I disputed it immediately with Transunion providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency ( mentioned above ). It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX  & Transunion are not willing to help remove it. It is causing a negative impact on my credit score and the home mortgage rates. 

To substantiate my claim I am attaching the following documents which I had already sent to XXXX & Transunion 1. Addresses listed of all my credit reports 2. Most recent utility bill as address proof 3. Original Lease documents for the current residence in CA  4. Most recent utility bill I would greatly appreciate if CFPB can help me in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Equifax in XX/XX/2022 disputing a bankruptcy that they are inaccurately reportingon my Equifax credit report. Equifax sent me results dated XX/XX/2022 stating that they verified the bankruptcy information with XXXX but that is false because I have a letter from XXXX dated XX/XX/2022 that states XXXX removed the bankruptcy from their report so how could Equifax have verified the information with XXXX? I have attached the letter XXXX sent proving the bankruptcy is removed from their data base. I also attached the dispute results Equifax sent me stating the bankruptcy was verified with XXXX after XXXX had already deleted the bankruptcy. 

I also have a letter from the court stating that they do no communicate with credit reporting agencies. Also, the bankruptcy being reported but there are no accounts included in the bankruptcy. How can there be a bankruptcy with no accounts included in it? A bankruptcy can not be empty. But Equifax still did not remove this information after I disputed explaining that fact. This situation has caused me a lot of stress. I want this bankruptcy removed from my Equifax credit report once and for all.
Product: Credit reporting or other personal consumer reports

Just as of recent i took notice of a new unknown creditor account that was furnished onto my credit reports unbeknownst to me, as well as not receiving any mail notifications whatsoever about the credit account in question from the company [ CREDENCE RESOURCE MANAGEMENT ]. I would like for this account be removed from my credit consumer report upon receiving this complaint.
Product: Debt collection

In the beginning of XX/XX/XXXX i paid the amount that i was offered to pay wich is {$300.00}, but my credit report me owe tht amount, i called the debt collector ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX ) they told me that i have to contact XXXX. With that being said can you please remove the debt from my report it's affecting significantly my report. 

Kind regards XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/20 bank of America noted a {$660.00} cash atm withdrawal at a branch in XXXX California. I live in XXXX  California ... sum 9 to 12 hours away from my home. 
I filed an appeal claim for fraud. The bank closed my account and prevented my access any of my funds. After 3 emails to management and reaching out to XXXX XXXX XXXX news I have still not even recieved a response email or a phone call
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> :
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THIS ILLEGAL ACCOUNT OFF MY EQUIFAX REPORT. IT IS HURTING MY SCORE PLEASE REMOVE THIS ACCOUNT. THE ONLY THING I HAVE BEEN ADDING TO MY REPORT IS POSITIVE INFORMATION CAN YOU PLEASE REMOVE THIS OFF MY REPORT XXXX XXXX XXXX  {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ILLEGAL ITEMS OFF MY EQUIFAX CREDIT REPORT AND CAN YOU PLEASE FREEZE MY REPORT! PLEASE REMOVE THESE PLEASE!
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 confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A States I have a right to pivacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting can not furnish a account without my written instruction.
Product: Payday loan, title loan, or personal loan

America first credit union XXXX $ Already filed police report XX/XX/2021
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 {$2300.00}, {$2100.00}, {$5500.00}, {$2200.00}, {$5000.00}. 
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  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

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

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( FILE No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts reporting inaccurately are XXXX XXXX XXXX XXXX acct XXXX XXXXXXXX and XXXX Department of Education acct XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted XXXX XXXX telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.
Product: Vehicle loan or lease

In XXXX of XXXX the vehicle XXXX XXXX XXXX had been in an accident while at the same time had an amount due of {$5000.00}. At this time I was awaiting the insurance to identify payments toward the car based on coverage that was identified as totaled. I then called Honda Financial Services from which the loan resided to ask for a slight delay in payments due to the insurance review and if they would cover the open balance to close this loan out and transfer title to me. Honda Financial Services took note of it in XXXX but then went to impact my credit scores. 

XXXX was at XXXX as of XX/XX/XXXX and was dropped down to XXXX due to the impact. 
XXXX was at XXXX as of XX/XX/XXXX and was dropped down to XXXX due to the impact. 

This is substantial impacts for asking for support for only a month to conclude the accident and insurance adjustments. Since this time everything is caught up to date except the impact to my credit score from which I communicated with the bank to adjust numerous times.
Product: Debt collection

I have requested verification of my signature on something from this company thru XXXX. I have made this request over 6 times. All I receive is standard form letters that do not address the dispute. I am just so amazed at the level of incompetence. The last request that I sent in was a 609 letter regarding the collection account. What I received was a standard form letter regarding my address for the past few years. 
I sent several letters to the complaint department requesting the verification and all I received was verification of my addresses over the past 5 years. I am so tired of this company, Dealing with this company has stressed me out if they can not do what a customer/ client request maybe they should let another company come in and take over or just shut their doors. I had no issues getting my request answered from XXXX  or XXXX. 
I am not even sure if your company can help them. At this point, I am looking into suing them or checking and going in on or checking into the new class-action lawsuit against them.
Product: Credit reporting or other personal consumer reports

To whom it may concern, There are XXXX accounts from XXXX XXXX representing XXXX XXXX. I have provided them with copies of my paid bills, as well as proof that I had another insurance and disputed it with the credit bureaus. Unfortunately, they did not respond, so the credit bureau XXXX requested that I file a complaint with you. Then they will remove this from my credit account. 

There is also a third account from my previous landlord, XXXX XXXX XXXX. I have provided proof of all my bills and rent payments, but they have charged me for legal fees without any court order. I provided the docket numbers, but they have not responded to the credit bureau. XXXX wants me to file this complaint, and then they will remove it from my account. 

I appreciate your assistance regarding these matters. 

Thank you. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I received a letter dated, XX/XX/XXXX from Dynamic Recovery Solutions : XXXX XXXX XXXX, XXXX, SC XXXX. They state that I have from the original creditor of XXXX  XXXX XXXX, DRS Reference #  XXXX, current creditor : XXXX XXXX XXXX XXXXReference # XXXX, current balance {$6200.00}. In this letter they only office different repayment plans. 

Back in XXXX My wages were garnished for a year for this same amount but from a different recovery solutions and it was paid in full. This took place when I worked for XXXX XXXX in XXXX, XXXX. In XX/XX/XXXX, I paid all my student loans off. Then now I receive this letter that I have some other student loan out there that was never paid off. 

I attended to colleges for my XXXX XXXX XXXX, they are : XXXX  XXXX XXXX, in XXXX, XXXX  and XXXX in XXXX, XXXX. I never took a loan out through XXXX  XXXX XXXX and I have never received any letters, notices or calls from XXXX or other affiliates in regards to this amount, until I received this letter. 

I did call Dynamic Recovery Solutions and told them, I feel this is a fraud letter and that I want proof from their end that I took out this loan, that they have a right to collect on this loan and the entity claim what I owe is the proper amount due. I was told they would look into this but this is my debt and I need to repay it. 

I can be reached by cell : ( XXXX ) XXXX or email : ( XXXX ) or home address : XXXX XXXX XXXX XXXX, XXXX , XXXX  XXXX. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred my coins to Binance US and after a few weeks it was frozen. I can not get into it and have tried everything I can and done everything asked of me but still nothing. I think they are running a scam. I got on XXXX and found the XXXX site and sent numerous messages to her. Nothing. There is NO phone number for them and the company that is their sponsor is BAM Trading located in XXXX. XXXX. CA. 
I transfered XXXX XXXX coins to Binance US from XXXX XXXX ( online investing ) I'm attaching all correspondence below. 
Thank you so much for your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$75.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediately corrective action remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as consumer.
Product: Debt collection

RE : JEFFERSON CAPITAL SYSTEMS LLC opened : XX/XX/year> ( XXXX mos ) Account status Open Balance : {$310.00} Open balance {$310.00} Open balance Has been disputed by consumer previously for inaccuracies such as reporting as an " open balance '' which is not compliant with FACRA, they are also reporting a Balance amount and failing to provide a valid debt contract this is considered to be inaccurate reporting and must be removed
Product: Checking or savings account

Robinhood restricted my account for suspicious activity. Have no access to any of my funds for over two weeks. Will not allow me to close my account to access my funds because of this restriction. Literally zero way of getting in touch with anyone there as their request a call button does not work and they immediately disconnect me from all live agent chats.
Product: Student loan

There is incorrect information from Navient that has been reported to the 3 credit bureaus. I have made 100 % of the payments on time when my account was not in deferment or forbearance. However, it is being reported that my worst payment status has been 120-149 days late. This is incorrect and the reporting needs to be updated and corrected.
Product: Debt collection

Accounts were charged off and I never received a 1099-c letter which means that they are reporting incorrectly to my credit report
Product: Credit reporting or other personal consumer reports

I have disputed this information for some time with no resolution, it has adversely affected my life in a major way, I'm a business owner who needs access to funding to keep my business afloat. I also need it for my personal life as well, I can't apply for a mortgage or refinance my auto loan because of the unfair reporting from Transunion, XXXX, and XXXX.
Product: Credit card or prepaid card

I contacted the customer service at the phone number indicated on my bill ( XXXX ), to dispute a late charge that was on my most resent billing statement. The agent, named XXXX? Indicated that there was nothing she could help me with. I asked for the supervisor and was transferred to XXXX ( Agent ID XXXX ). The supervisor also told me that there was nothing that could be done. When I asked to escalate, that supervisor began to laugh at me and I also heard laughter coming from the co-workers in the background. Hearing all the laughter over the phone I stated that I felt this was an unprofessional response and asked again to have my issue escalated. I was told that there was no one higher that could assist me. At this point the supervisor disconnected my call. 

Date was XX/XX/2018 at approximately XXXX XXXX XXXX XXXX was {$25.00}
Product: Debt collection

I sent written statements to company that Im not responsible for debt.. Im made complaints XXXX still have debt owned on my credit report thats not mine.. Its from XXXX XXXX. I made complains to cfpb but XXXX did not remove any debt
Product: Checking or savings account

SPOKEN WITH SEVERAL REPS ALERTED NFCU THEFT BEGAN DISPUTED CHARGES FTC LETTERS SUBMITTED POLICE REPORTS FILED XXXX REPORTS SUBMITTED
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX dated XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THESE FRAUDULENT ITEMS : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.