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

I, unfortunately, had to file bankruptcy in 2015. One of the accounts included was a XXXX XXXX XXXX. I have disputed the way they are reporting on numerous occasions ( at least 6 ). They report to Experian monthly that the account is charged off with a balance and payment is late. They report to XXXX the account is charged off no further action, no monthly updates because it was included in a bankruptcy. I understand the item will remain on my credit for two additional years, however, it is my understanding they are not allowed to continuously show a balance and late payment I am working extremely hard to repair my credit, it is very discouraging to have my score drop every month when they report me as late. over the last five years, I have not missed one payment for any company and paid off some that were in the 2015 bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i sent multiple letters out to XXXX and transunion about these inquires on my report but noone has gotten back to me yet on my transunion account i have 4 inquires and on XXXX i have XXXX thats outrageous i calles and i comtacted the creditor and nobody is trying to help me out with this issue. I contacted them 30 days ago with 20 letters asking them to delete these inquires because they were unauthorized. Theres inquires going back from XX/XX/2016 and i have no idea what they are.
Product: Debt collection

On XX/XX/year> I sent a letter to Portfolio Recovery to request assignment contract to determine if this was legal for a 3rd party company to try to collect on something I have no knowledge of. In return I received a letter stating that I owed money to Portfolio Recovery
Product: Credit card

Costco Wholesales in XXXX XXXX offered a Credit Card with XXXX XXXX. I had the credit card for years without any problem. Costco decided to change their agreement to a Citi Card and to send a new credit card over mail. I received the letter that they were changing to Citi and I had no interest into using the new Citi Card provided by Citibank, so I cut the new card ( broke it ) and throw it to the trash. As the card said : " Call XXXX XXXX to activate your card '', and I had no interest into activating that card, I never called for activation and I never used it. I expected the obvious to happen : that having no activation in the card ; No One was authorized to charge anything to that account ; I never authorized it 's use! It 's my credit and only I am entitled to authorize its use! Surprisingly, Costco charged it 's annual fee to that account, and instead of Citi telling Costco that there is no active account because I never authorized the use of that account, Citi is making me liable for such fee plus their charges! -- So convenient for them to charge fees on an account that I did n't even know it was unfairly and abusively activated. So I complained to them, they said they close everything, and now I just received another letter that after their investigation, they are reopening the account and charging me. Can you help me understand my rights? I believe this is at least unfair, deceptive and abusive. If I never activated such credit card, how am I supposed to be expecting to pay them any bills?
Product: Checking or savings account

My CD rolled over in XX/XX/2024. I was never notified of the CD maturing and the Bank rolled it into the lowest rate possible. I did not notice until I received my XXXX statement and the rate was reduced from 5.15 %, promotional to a rate of .03 %. I have called bank XXXX times and they said it's my tough luck for not knowing the maturity date. But I never received any advance notice. This is deceptive practice.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in several data breach 's. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. Due to my information being exposed. I have submitted a FTC complaint reporting the info I am not familiar with. In addition, I was a victim of Identity Theft. Someone had electric put into my name for over a year. The theft was started in the state of Michigan. 

Please find the attached copy of My ID, The FTC complaint, copies showing different data breaches my information being exposed in a national data breach. 

XXXX XXXX XXXX was another breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

A wrong name is listed on my credit report which is XXXX XXXX. 
A wrong address is listed as XXXX XXXX XXXX XXXX XXXX, FL XXXX A wrong closed account is listed : XXXX XXXX - never have a XXXX  account
Product: Credit reporting or other personal consumer reports

I sent letters to each bureau on XX/XX/year>. I attached the FTC report as they requested. I have sent a follow up letter on XX/XX/XXXX and still no response with updates of fixing the inaccurate accounts on my credit. There was also no verifying information or how they investigated these accounts that are still reporting. The items that should have been investigated and eventually removed are : XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$860.00} XXXX XXXX XXXX with a balance of {$860.00} XXXX XXXX XXXX with a balance of {$97.00} XXXX XXXX XXXX with a balance of {$240.00} XXXX XXXX XXXX {$570.00} Also inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a natural human being and I have rights under 15 USC 1681. Experian is govern by 15 USC 1681. And they have violated my consumer rights multiple times. I demand the accounts listed here are modified and updated to Paid as Agreed : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX, XXXX The credit bureaus are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors.
Product: Credit reporting or other personal consumer reports

Dear Transunion : After reviewing your response to my dispute letter of charge-off account. 



XXXX. I previously disputed this account. I don't agree with the results of your investigation. Please mail me proof of your investigation or delete the negative information. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting. 



XXXX. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 



XXXX. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 



These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 



Im carefully tracking all correspondence with your company. 



I think 30 days should be long enough for your company to complete this investigation. 



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

In accordance with the fair reporting act XXXX  Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024, my identity was stolen. 

The individual canceled my USAA credit card and debit card and ordered new cards to be delivered to an address in XXXX,XX/XX/XXXX. When I realized it, I called USAA and told them about the identity theft and canceled those cards and ordered new cards to be delivered to me at my home in XXXX A week or so later, I received the new cards. After I received the new cards, the individual canceled those cards and ordered new cards to be delivered to XXXX again. When I noticed, I once again called USAA, told them the individual still had my identity and canceled that delivery and ordered new cards to my home in GA again. 

After a month of going back and forth with USAA and getting the cards delivered to my correct address and changing all of my passwords and usernames, I checked my credit report because I'm trying to buy a new home. It turns out the individual applied for a new credit card with USAA on XX/XX/year>, and was denied. And they applied for another card or loan with XXXX XXXX XXXX XXXX XX/XX/year>. XXXX won't tell me what they applied for. 

The problem I have is that it's now on my credit report as a derogatory action and it wasn't even me! And it's hurting m y credit preventing me from being able to buy a house.
Product: Consumer Loan

Extremely poor customer service & tracking/monitoring for consumer payments/payoffs.submitted a payoff a month ago still not processed, improper credit mark This company has extremely bad customer service and a very bad process to track payments and payoff checks. I 'm a military member whom send Chrysler Capital account number XXXX a cashiers check for the loan payoff amount of {$27000.00}. Three weeks later this payment has still not processed and because of this I received a late credit mark on my credit report which is showing more than 30 days and my score dropped by XXXX points. This payoff check was overnight to the company more than three weeks ago. It was XXXX overnight delivery service and was signed for by XXXX of the employees at the company. I have called a numb of times and keep getting told that there is no way for them to track checks that they have received. XXXX XXXX XXXX XXXX i find this extremely unprofessional, how can there not be a tracking mechanism for consumers who submit cashier or personal checks. How can there not be a mechanism for consumers not to get penalized in their credit reports for paying off their accounts on time. In over 15 years of dealing with finance companies this is the worst I 've ever seen. Their customer service is horrible, no one knows how to provide the proper answer or help the consumer. I find this very unprofessional, very unethical, for consumers such as me that work hard to keep their accounts current, to keep a good credit standing and the bad business practice of finance companies like this do not due their due negligence and try to hurt consumers credit standings to charge higher interest rates. The practices and customer service of this corporation are completely unsatisfactory. Please assist me in solving this matter and fixing my credit standing, thank you for all the assistance. XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

This account has been disputed an taken off my credit as it does not belong to me. And after 6 or more years it has returned to my credit stating it was purchased by Jefferson Capitol Systems. They've sent notices with 3 different addresses and have called making threats if I don't pay.
Product: Vehicle loan or lease

On XX/XX/2019 my vehicle was involved in an accident and was a total loss. My insurance company paid out the market value of my vehicle to Regional Acceptance Corporation ( RAC ), an affiliate of BB & T, which financed my vehicle. I also have GAP Coverage through XXXX XXXX which would take care of the remaining balance on the vehicle. I initially sent RAC a Lienholder/Lessor report of total loss on XX/XX/19, that they were to complete and return to XXXX XXXX so they could process and pay out on the claim. They failed to return the form. I placed multiple phone calls to RAC to see what the hold up was from XX/XX/XXXX through XX/XX/XXXX. Nobody was able to give me an answer. I left multiple messages and emails for the claims department, and never received a return call or email. On XX/XX/2019 I received a letter form XXXX XXXX indicating they still had not received the requested information from RAC, and they would close and deny the claim after 30 days from the date on the letter. I again reached out to RAC via email and phone to address the situation, and resubmitted the form again for them to complete. After the threat of non-payment one of the reps sent a priority email to someone in upper management, and they finally filled out and completed the form at the end of XX/XX/XXXX. The last step is RAC notifying XXXX XXXX that the warranty on my car was refunded, which they have yet to do. At this point, XXXX as denied the claim, but indicated that they would re-open and pay the claim once they receive this verification. During this time RAC continued to bill me for the remaining balance and in XX/XX/XXXX reported to the Credit Bureaus that I had not made any payments. I discussed the situation may times with them, indicating that the balance would have been paid and taken care of by XXXX XXXX, but has not been due to their own negligence and lack of timeliness. I simply asked that they put a hold or pause on the account until it is settled. They know I have the GAP coverage and that they will be paid, and any difference I would settle with them. Before this I had no missed payments with RAC. The only reason this has gone on as long as it has, is because they didn't do what they were supposed to on their end. This has been going on sinceXX/XX/XXXX of this year, and its almost XX/XX/XXXX. The process  normally takes less than 30 days. However, their reporting has had a severe and negative effect on my credit score and my ability to obtain financing currently and in the future. I am attaching the correspondence I had with RAC and documentation from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt, to this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1682 4. 

Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of Identity Theft. I found numerous accounts on credit report that were not opened by me. This has been hurting me, as I am in the process of buying a home for my family. 

Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Debt collection

I have requested method of verification, validation of debt, and assignment of debt for this account and it was not receive ; in addition, not real investigation took place, which is required. 

The method of verification and validation of debt should supplied the names, phones numbers, dates, of people involved with notarized documents. 

The credit agencies should be held accountable and sued again as they did not complete an investigation provide the supporting documents as per the Fair Credit Act. 

I have the certified tracking number mail, so they have received the request.
Product: Money transfer, virtual currency, or money service

Hello! 
Bassicaly i am trying to log in into my account into Kraken and it's saying account temporary disabled and i contacted Kraken and ask why is that, they asked me about my email i don't remember ( 8,9 years ago in the XXXX ) and they said to look thru all emails altough i didn't do nothing wrong was easier to log in and change the email from there or they could have done if wanted to help.Insteed i got the same answer over and over again and sent the same form i have already complited once but no answer why i am not being let log into the account.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello guys, there are several inquires on my credit report from several companies in which in fact, that I DID NOT authorize to run my credit. This is fraudulent and it is negatively affecting my credit score. I would like for all of these to be removed as quickly as possible please. It has been affecting my credit score for a while now and i need help getting these fraudulent inquiries removed. I have tried to contact the companies and have had no luck with representatives. 

Companies ( Transunion, XXXX, XXXX )
Product: Mortgage

I have contacted Mr. Cooper at least twice a week and have not received any responses in a timely fashion. I have asked them repeatedly to include my XXXX XXXX deferrement payment to the back of the mortgage which THEY clearly told me prior to the Covid 19 pandemic that i have many options avaialable and not to worry about a lump sum payment. I do know that i have a Conventional mortgage and per the guidlines with XXXX XXXX and XXXX XXXX i am allowed as a consumer to have options other than a LUMP SUM payment. Mr. Cooper does not respond in a timely fashion, and every time i call them to speak with a representative they tell me NOT TO make a payment, and not to worry about paying the differnece owed due to the forebearnce period. They keep sending me notices saying i owe {$10000.00} and keep calling me on XXXX which i work and i have told to call me Monday-Friday anytime. I would like to pay my normal payments asap, I WANT TO keep my home, and i am NOT able to pay {$10000.00} to bring my account current since MR. Cooper is the servicer who reached out to me and encouraged me to enroll in the Forebearance COVID 19 program. Please help me! They are not responsive and are giving FALSE information to clients and i need help asap.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED/STOLEN XXXX  AND REPORTED TO LAW ENFORCEMENT. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION