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

I closed my credit card account with Truist Bank and paid my balance in full XXXXThey failed to close the account. I did not use the card from that point on, and no charges were reported on the card. Truist then applied their yearly fee to the card. Since I had a new mailing address, I received no notification. I Checked my Credit Report in the end of XXXX after a notification from XXXX XXXX on the change of my credit. I then saw that they showed me at 120 days past due. I called them. I explained the situation, and the manager agreed that I paid off in XXXX of XXXX in full, could see I called, but could not see the cancellation on the card. I was informed that they need to check the recordings to verify I canceled the card. I was informed one week later that they could not retrieve the call. I told them what I said, but they stood fast. They recommended I file a dispute with XXXX and that should solve the issue. I did. I also paid the {$280.00} fee to make sure the reporting of the card would stop, and she confirmed that I had cancelled the card with her. She said they would refund the amount after the dispute if I was correct. Truist denied the claim even after my previous conversation with the supervisor. They said that they could not confirm or review the call, and even though I told them what I said, even though they had lost the proof, I was wrong. I even asked the lady if they were saying I am a liar? She never gave a direct answer. Once notified of the denial through XXXX on XX/XX/XXXX, I called the bank back. I was transferred to a different supervisor, and after discussion, she agreed that this needed to be changed, and I was correct. ( They should have a recording of this call ). I was on hold a lot during this call as she told me she was talking with the credit reporting team. I was informed on the call that I was correct, and they would be changing it. She gave me a reference number in case I need to follow up ( XXXX ). As of XXXX, the fifth, not only has it not been corrected, but they also listed me as late pay for XXXX even though the account was paid and closed and had a {$0.00} balance. They also listed that the account was closed by the bank, which is another negative mark on my credit from the bank. I called them again and was given the royal run around. I was not permitted to talk to the credit reporting department, was given no contact numbers, was told that they did not know who supervisors were for themselves and had no ability to escalate the issue or even transfer the call. She offered to file another claimThat is all. The bank has no desire to fix this. They basically called me a Liar, and they have dropped my good credit from the XXXX to the XXXX range. At one time it was below XXXX. They will not help me correct this. Please help me.
Product: Credit card

I got a CareCredit card, in order to save my dog, since she needed XXXX XXXX. Ever since, I've paid more than the minimum payment, and it doesn't seem to be making a dent due to the interest rate and service fees. I think that's ridiculous and I'll never be able to pay off the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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

TransUnion incorrectly reports a derogative mark about {$78.00} debt from XXXX sent to collection agency since XX/XX/XXXX. As I no longer live in the XXXX since XX/XX/XXXX, I have no means to request credit report or derogative mark details or contact TriansUnion to start a dispute
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tn XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Activity Related to Dark Web Monitoring Alerts Dear Equifax, I am writing to formally dispute fraudulent activity that has been reported regarding my credit file due to alerts I received from dark web monitoring services. My personal information have been compromised, and I request your assistance in addressing this matter. 

**Personal Information : ** - Full Name : XXXX XXXX XXXX Social Security Number : XXXX - Date of Birth : XX/XX/XXXX - Address : XXXX XXXX XXXX XXXX XXXX Tn XXXX*Details of the Dispute : ** On January 11, 2025, I received dark web monitoring alerts indicating that my personal information, including [ briefly describe the type of information compromised, e.g., email addresses, passwords, etc. ], has been found in connection with compromised data on the dark web.

Considering this situation, I kindly request the following actions : 1. Completely wipe my credit from addresses that doesnt exist and any information used in the dark web.

Enclosed with this letter are copies of documents supporting my claim.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of my dispute. 

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

Date of inquiry:XXXX Delete!! 


Unathorized inquiry XXXX  Date of XXXX Delete!! 


Unathorized inquiry. 
XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX Unathorized inquiry XXXX XXXX XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 


Unathorized inquiry XXXX  Date of inquiry : XXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 





i noticed this issue in XXXX correct information needs to be removed : 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 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 or other personal consumer reports

Re : Dispute of Collection Status Accounts on My Credit Report Account Number : XXXX ( XXXX ) Account Number : XXXX ( XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX ) Account Number : XXXX ( XXXX XXXX  - Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX ( XXXX XXXX ) I am writing to dispute several collection status accounts on my credit report, specifically the accounts listed above. I have reviewed my credit report and have identified several issues with the information that has been reported, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that you investigate and rectify these inaccuracies promptly, as well as remove these accounts from my credit report. 

The basis of my dispute is as follows : Incomplete and Inaccurate Information : Upon reviewing my credit report, I have found that the information associated with the mentioned accounts is incomplete and inaccurate. It is crucial that the information reported about my financial history is accurate, as it directly impacts my creditworthiness and financial opportunities. 
I kindly request the following actions be taken : Verification of Accuracy : I ask that XXXX, XXXX And EQUIFAX investigates the accuracy of the information reported for these accounts, including verification of the account balances, dates, and any other relevant data. In the event that any inaccuracies are found, I request that they be corrected immediately. 
Removal of Inaccurate Accounts : If it is determined that the reported information is indeed inaccurate, I request that these accounts be promptly removed from my credit report. 
I want to highlight that inaccurate information can have a substantial negative impact on my credit score, which can affect my ability to obtain credit, housing, and employment opportunities. Therefore, I kindly request that you expedite the resolution of this dispute. 

I will also be copying the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office on this correspondence to ensure that the appropriate regulatory authorities are aware of my concerns and that my rights as a consumer are protected. 

I look forward to a timely resolution of this dispute and the prompt removal of the inaccuracies from my credit report. Please acknowledge the receipt of this dispute in writing and provide me with a case number for reference.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and saw a fraudulent account. I'm referring to an account from XXXX XXXX XXXXXXXX with account number XXXX. I have never entered into a contract or agreement with this company and I do NOT recognize this charge. Which makes this account fraudulent, inaccurate reporting to my consumer profile and a violation of my rights under the FCRA and the FDCPA. I want this fraudulent account to be IMMEDIATELY deleted from my consumer profile and for ALL FORMS of communication from XXXX XXXX XXXXXXXX to cease!
Product: Money transfer, virtual currency, or money service

My Complaint is against XXXX XXXX XXXX  and PNC Bank The response to my claim # XXXX through CFPB is unreasonable. After waiting for more than 2 months XXXX XXXX is recommending me to follow up with recipient bank which is PNC Bank. 

I have done this follow up on XX/XX/XXXX with PNC Bank and was informed : XXXX the account number was incorrect so the money was sent back to XXXX  XXXX within XXXX business days XXXX since I am not their client any further follow-up must be with XXXX  XXXX. 
XXXX. PNC would work on the matter with XXXX XXXX. 

XXXX XXXX is washing it's hands off my claim without just cause. I need their fraud department to fully investigate the matter along-with the fraud department of PNC Bank and XXXX to a proper conclusion and to locate the {$10000.00} transferred from my account. 

Please call me @ ( XXXX ) XXXX or email XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been using my Bestbuy store credit card to purchase all of my appliances at Bestbuy with promotional interest free offers. My earliest promotional balance expiration date is XX/XX/XXXX. 

On my XX/XX/XXXX statement it appears that I was charged {$6.00} for interest charge on an unknown amount of {$320.00}. 

On XX/XX/XXXX I called the customer service at XXXX to dispute the interest charge and inform the rep ( I don't know her name ) that I should not be charged any interest until XX/XX/XXXX ( on a balance of {$310.00} ). The rep claimed the interest charge was on a regular purchase balance and not on any promotional balance. I told her that I have never made any regular purchase. And if I had any regular purchase at all, I would have returned them back in XX/XX/XXXX. The rep still wanted to investigate to see if this interest charge was correct and I was informed I should receive a letter for determination of the dispute. 

In XXXX I did not make any purchase as shown in my XX/XX/XXXX statement transaction description section. It did showed that some returns were made. However, there was a " regular '' balance magically appeared on the " XXXX & XXXX XXXX '' section. 

In XX/XX/XXXX, I had made 1 purchase with promotional interest deferred offer ( expiration XX/XX/XXXX ). I returned this item in XX/XX/XXXX which showed in my XXXX statement. Besides that, I did not make any purchase, including any " regular '' purchase in XX/XX/XXXX. 

Therefore, I should not be charged any interest until XX/XX/XXXX. I feel that Best Buy Card Services is not keeping good record of customers transactions and trying to charge customers fee/ interests without proper receipt and explanation. Even when I informed them of the error in billing, they still wanted to believe it's valid charge as they want to investigate further if they should reverse the charge or not. 

I have attached my last 3 statements for your reference.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumers Financial Protection Bureau ( CFBP ) 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 notify consumers of dispute outcomes adequately. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 602 a I have the right to privacy.

15. U.S.C section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written consent and According to the Fair Credit Act anything furnished on my account must be XXXX XXXX accurate.. 
The information on my credit account does not match on all credit companies.. and the balance that was owed was less that what is shown so... 

I would like for the companys contract to be furnished with * my signature * Date opened *interest rate. *credit insurance I also want the contract showing this company has a right to collect this debt..
Product: Vehicle loan or lease

I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT AUTO LOAN IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY TOYOTA MOTOR CREDIT. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items : 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

Hello! My name is XXXX XXXX! 
Phone : XXXX / Email : XXXX I have a big problem with Chase Bank! Please, help me! 

This happened around 6-7 months ago! 
I have Chase Bank Credit Card, I did not use it around half year, it was all the time in my home. Also, I have Checking Account with them. One day, I went online to check my balance on the  Checking Account and saw {$25.00} amount on my Credit Card. I called to the Bank right away and told them, that I have not used CC around 6 month. They told me it was some XXXX purchase. As it was not me, they told me not to worry, they will make a report to fraud department and will remove this amount. In a few days it seemed fixed. That time I had Excellent Credit Score : XXXX! I always checking it through XXXX XXXX App. But, in month all of a sudden my Score went to average. Because Chase Bank put back on my account {$24.00} and make late fee on it ... I saw too late. I went to Chase Bank ( very good consultant helped me and called to fraud department. His name XXXX XXXX, NMLS ID : XXXX. Thanks for him a lot, he did everything he could. XXXX. They told they will fix it in one month.. Yep.. they did not. Now its Good, Score XXXX!!!! They lied. Because if spoiled Credit Score, I can't open CC in another Bank.. On top of that, Chase B closed my CC without my permission!!! .. Then they opened it again, because I started to complain. But my Credit Score still XXXX! I want exact XXXX score BACK AS IT WAS BEFORE. The consultant, who helped me went on vacation. So, I went to another branches, and in all of them, managers refused to help me.. Tried to sent me back to previous consultant ... 
More over, I am not who made that purchase on {$25.00} ... Maybe it was Chase Bank. I can't trust them. During all this time and before I made all payments in time, I did not open any CC last few years. So, there are no any other reason my Credit Score went down.

I spent so much my time & money on them and feel cheated by Chase Bank with Spoiled Credit Score! 

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

Equifax is reporting on an XXXX # XXXX, and # XXXX accounts. I have disputed this previously with no resolution. These accounts were included in my bankruptcy and are paid off but Equifax is still reporting and updating them monthly on my credit. They are continuing to damage my credit in error. This needs to be deleted
Product: Payday loan, title loan, personal loan, or advance loan

Since XX/XX/scrub> 2024, I have been trying to cancel this loan and be refunded due to XXXX XXXX XXXX falsely advertising the services the company provided for music funding. I have been bounced around between the vendor and Affirm with " who '' needs to cancel the loan and refund the money back to Affirm. After speaking with a Consumer attorney, I have been informed that this situation appears to be a scam that Affirm.com is working with the vendor, XXXX XXXX XXXX where customers will get frustrated and just let the loan payoff. 

However, I refuse to do that and am DEMANDING a conference call with BOTH parties to finally resolve this issue and be refunded the money that has been debited from my account. This is fraud and if the conference call does not happen by the end of XXXX, a civil suit will be filed against both parties with documentation of all of my communications to the companies and the lack of response or proper service to the customer.
Product: Debt collection

XX/XX/2019 I was contacted by CBE group collection agency. Upon contact I was inform I had an balance of {$220.00}. I was advised if I pay half this amount my account will be written off and I will have a XXXX balance. I agree to this agreement with them over the phone and after I made the payment, the balance wasn't written off and lower to zero. I still had an balance. This company deceive me and giving my false information in reference to a debt that I owe.
Product: Debt collection

My first mistake, I made {$5.00} payment to this Portfolio Recovery Assoc account thinking the amount is correct ; however when I spoke with someone and was told to ask them to send a debt validation letter. It showed another person on the account making purchases. I DO NOT KNOW THIS PERSON NOR DID I AUTHORIZE THESE CHARGES. I CALLED PORTFOLIO RECOVERY AND DISPUTED THIS. I ALSO DISPUTED TO XXXX AND XXXX NOT SURE IF THEY RECEIVED IT YET DUE TO THE FACT THAT MY FIRST DISPUTE WAS DIFFERENT. ALSO, I FOUGHT THIS ACCOUNT 12 TIMES BEFORE ALL DELETE. SO WHY ARE THEY ALLOWED TO KEEP SHOWING UP ON MY REPORT. I HAVE SEVERAL UPLOADS. THIS MONTH according to the statue of limitations debt expired PA is 4yrs. Which means somewhere around XX/XX/2021 should be removed. In fact, two many inaccuracies on account is the grounds alone for deletion off report Your upload is not working properly I clicked on 3 times and skipped to the next page. How do upload files to you. You will tell them to send you a debt validation letter
Product: Credit reporting, credit repair services, or other personal consumer reports

The was paid off as a total loss & its still reporting as a full balance & missed payments that the lender agreed to remove, The payments where deferred during secton 34 of the cares act
Product: Credit reporting or other personal consumer reports

These companies violated my rights to privacy and have not showed me proof of the original agreement and has negative items on my credit report. I gave no permission to nor signed any contracts for.
Product: Credit card

On XX/XX/XXXX, I purchased a range and a microwave from XXXX home improvement using an affirm credit card The range cost {$670.00} ( see exhibit1 ) and the microwave cost {$260.00} ( see exhibit 2 ) for a total amount of {$960.00}. Subsequently, Affirm overcharged me and stated that I made a purchase for {$1300.00} and charged me interest of {$230.00} on the amount ( see exhibit 3 ) .Also, Affirm only gave me credit of {$110.00} on XX/XX/XXXX when I should have received credit of {$350.00}. 

Subsequently, when I made what I thought was my last payment to Affirm on XX/XX/XXXX, they reported me late to XXXX and said that I owed them {$650.00}. ( see exhibit 3 ) .When I initially bought the range and the microwave I had to give affirm {$67.00} and Affirm never gave me credit for the payment ( see exhibit 1 last page 3 ) .Beginning XX/XX/XXXX, I have made a total of seven payments to Affirm in the amount of {$130.00} and one payment in the amount of {$130.00} which adds up to {$1000.00} ( see exhibit 3 ) Since, I paid affirm XXXX towards my purchase the amount on XX/XX/XXXX, I have already paid Affirm is {$1000.00}. I don't owe Affirm any money and I have reached out to them and they refuse to correct my payments that I made or reduce the interest on my purchase to reflect my original purchase of {$960.00} or give me credit for the {$67.00} that I paid on XX/XX/XXXX ( see exhibit 3 ),