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

I reached out to XXXX XXXX XXXX to try to obtain information and let them know that this account was fraudulently opened with my information. They refused to discuss with me since I did not have account information. I filed a dispute with all the credit bureaus and they refused to remove, even though per the information I have this account was registered to a XXXX  location in a state and location that is over XXXX miles from where I live. 

My credit score has decreased by over XXXX XXXX  because of this, and everyone has refused to help me. 

The first time I filed a dispute, it was removed. However, XXXX XXXX XXXX must have sold the debt to another collection agency, and this agency re-filed against my credit. XXXX XXXX XXXX refuses to help rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Nevada XXXX XXXX XXXX ) XXXX XX/XX/2023 Dear EXPERIAN, I, XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$3600.00} Party Owed : XXXX XXXX XXXX XXXX Amount : {$6200.00} Party Owed : XXXX XXXX XXXX Amount : {$520.00} Party Owed : XXXX XXXX Amount : {$440.00} Party Owed : XXXX XXXX XXXX Amount : {$690.00} Party Owed : XXXXXXXX XXXX Amount : {$67000.00} Party Owed : XXXX XXXX XXXX Amount : {$640.00} Party Owed : XXXX Amount XXXX {$2200.00} Party Owed : XXXX Amount : {$1100.00} Party Owed : XXXX XXXX XXXX Amount : {$14000.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS DERAGATORY AND I AM REQUESTING FOR IT TO BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item ( s ) to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 

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

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX was included in bankruptcy which was discharged in 2015. Bankruptcy has since been removed from my report. However, XXXX XXXX XXXX shows that I owe a balance of {$200.00} and is 120+ days past due. Again, this was included in bankruptcy. I have since received the title to the car and sold the car. I have disputed this with Equifax at least 4 times. It will come off my report for a few months and then reappear. It needs to be permanently removed from all reporting. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to protect my credit file so I'm requesting a security PIN from the bureau 's ( Experian, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX y name that is associated with my credit file is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXXXXXX XXXX
Product: Checking or savings account

Im filing a complaint with CFPB regarding Capital ones failure to direct deposit from from my employer and other incoming deposits. Capital one has cited technical issues which may violate EFTA as it requires a timely access to my funds. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING IN REGARDS TO THESE UNAUTHORIZED INQUIRES BEING FURNISHED ON MY CREDIT REPORT WITHOUT MY CONSENT, PURSUTANT 15 USC 1681b
Product: Credit reporting or other personal consumer reports

The company did not look into my account nor prove that the account belonged to me. I submitted a dispute with XXXX XXXX transunion to gain clarification & fix my credit report. They did not help me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian constantly fluctuates my credit score Despite having flawless credit. Example : my credit score dropped 13 points from XXXX to XXXX in 2 weeks for absolutely no reason? 
It bounces around like this all the time fluctuating upwards of 20 points on any given week despite no changes on my part? 
I have {$50000.00} dollars of unused credit and my bills are very low for someone my age. 
Never had a late mortgage payment, truck or credit card payment etc etc so why is it constantly changing from the 800s ( where it should be and remain ) to the 700s for absolutely no reason?? 
If I dont open any new accounts, miss a payment on a bill etc etc then it should not change like that! 
Total scam!!!!!!!
Product: Checking or savings account

On XX/XX/XXXX my phone was stolen and the scammer sent themself {$720.00} through XXXX XXXX in multiple transactions that I did not authorize. My checking account was overdrawn and I immediately filed a dispute with XXXX  but was denied because they said I either authorized or knew the person who I sent the money to ( neither is true ). I then filed a dispute with TD Bank who denied my claim on the basis that I benefitted or authorized the transaction, which I didnt.
Product: Checking or savings account

Bankmobile Technologies, a subsidiary of XXXXXXXX XXXX, solicited me to open up an account with them via my relationship with XXXX. I had no problems with the initial opening of the account and received my physical debit card. I used that to access my account on-line and proceeded to fund my account {$1000.00}. After going through the verification process, on XXXX XX/XX/XXXX, XXXX XXXX XXXX took the {$1000.00} from my XXXX XXXX  account that I wanted to fund the account and on XXXX XX/XX/XXXX restricted my account with my {$1000.00} being in the account. The cryptic e-mail stated that there was unusual activity on my account and when I called, the customer service agent had me repeat my personal verification information multiple times leading me to believe that this " bank '' is a scam or engaged in fraud or some other nefarious purpose to lure XXXX  customers into giving their hard earned money to XXXX. After speaking to XXXX, a supervisor, he said that they can not tell me why my account was restricted but " after 5 days '' someone will call me. I asked to close my account, but because the account is restricted, they would not. This " bank '' will now have {$1000.00} of my money and I have no access to it nor can I get it back until they determine some arbitrary issue. If my account has been hacked, I have a legal right to know. If their bank has been hacked, just like XXXX had their customer records hacked into not too long ago, I have a legal right to know. Consumers can not trust financial institutions that hide in secrecy and do not tell consumers the truth about what is going on with their account and their money. While it's cute to have a black and purple debit card, just like the horrible coverage and service XXXX provides via cellular services, it is not surprising that they would partner with a suspicious " bank '' that provides even worse support and service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. I am making a complaint about an American Express charged off account. The account has been closed since XX/XX/2018 and is currently " charged off as a bad debt. Canceled by credit grantor '' ( these are the exact words on my credit report as per Transition ) and yet I am still incurring charges every month on this account as if it was still open -- therefore increasing the amount originally charged off. I would like to have a resolution to this issue and to understand if American Express can still add charges to a charged off/closed account.
Product: Credit card or prepaid card

I was arrested on XX/XX/XXXX and wasn't released until XX/XX/XXXX while I was incarcerated my XXXX check was deposited into my account. When I was rested on the day of the XXXX the police did not let me secure my father 's car, my wallet, or mine and my wife 's cell phones. While I was incarcerated my father 's car a long with all the items in the car or stolen when I got out on the XXXX of XXXX it took me a couple days to get another phone and that's when I found out that my money was fraudulently taken I made a report with card.com and on XX/XX/XXXX they credited my account telling me that they had completed their investigations and that there was discrepancies found then a month later on XX/XX/XXXX my XXXX check was deposited and my account was at a XXXX balance I contacted them on the XXXX of XXXX to find out where my money was and they hung up on me then I called back and asked to speak to a manager and he told me that the money was taken because there was no discrepancies found. I sent them a copy of my incarceration letter and they refused to reverse the decision I made a complaint with the better Business bureau also and they refuse to hear my case or make any changes I thought that this was all I could do but a friend told me about consumer protection agency because I was telling him about what happened and I never received a call from the investigation team or any management I even tried contacting the CEO of the company to have him reverse the decision because of my sufficient documents supporting my case.
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 confidentiality 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Has violated my rights. 
15 USC 1681 Section 602 ( A ) 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 1681 ( c ) ( 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 USC 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 or other personal consumer reports

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent account on my reoprt and upon submission, XXXX and XXXX removed the said account on their records. 

I also contacted the company associated with this account and they said they have removed the account, so my question is : why is the account still reporting on your bureau? 

It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

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

i sent letters out to the XXXX bureaus regarding inaccurate information and they have failed to respond. asset care failed to provide a dispute notice after 30 days and their a balance of XXXX, i do not have a contract with asset care. there is also XXXX other medical collections that are reporting and i disputed these accounts in this amounts. they do not even have the furnisher information or who reporting this. this is not my medical collections, i asked them to verify 90 days ago and asked them to delete. i have not got anything in the mail regarding my disputes and the bureaus failed to enter my dispute notices. please the accounts in the amounts of : XXXX XXXX XXXX please delete
Product: Vehicle loan or lease

I am writing today about a vehicle I had with Volvo Car Account # XXXX This vehicle was in a car accident Which was declared a total loss which insurance paid out yet on my credit report it states I still owe {$1900.00} Which is not accurate. I have tried to get this resolved with Volvo direct without success.
Product: Credit reporting or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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

Mega Auto Finance has closed and charged off the account as bad debt which legally means they submitted for a tax write off and now are no longer supposed to attempt to collect. Instead they repeatedly every month tarnish mine, and my co-signers credit report. 

I have tried settling originally the debt, and mega auto finance did not want to negotiate. Now I am also challenging the validity of this assumes debt. If its supposed to be closed which all credit reports show, how is it legal to not only increase the balance owed but also report negative harassing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to follow up on my previous complaint regarding the incident where I fell victim to identity theft. Once again, I would like to reference FCRA Section 605B, as outlined in 15 U.S.C. 1681c-1, which mandates that Credit Reporting Agencies must eliminate and prevent the inclusion of any items mentioned in an identity theft report. Kindly refer to the documents provided in the attachment to facilitate the process of blocking and eliminating the inquiries that have been appearing on my report. Below is a compilation of the unauthorized inquiries that have been reported in my credit records : EXPERIAN : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX
Product: Bank account or service

On Sunday XXXX XXXX, 2016, I had made a reservation at a XXXX in XXXX, MA XXXX for which I had to prepay {$270.00} from my debit card associated with my mother and my joint account at Bank of America ending in ... XXXX. The reservation was for two nights- XX/XX/XXXX AND XX/XX/2016, and was reservation XXXX. When we arrived, we were met with a threatening man who told us we could only use the bedrooms and not the other listed amenities on the online advertisement which includes XXXX floor sitting area by fireplace, XXXX floor kitchen, XXXX season porch and deck with hot tub - all of these are available to guests as advertised on XXXX. We have sent a complaint and dispute to XXXX, to Bank of America and correspondence from the Merchant admits that these amenities are available to guests ; however the man at the house told us we COULD NOT USE THESE AMENITIES and must STAY in OUR ROOM. We FEARED FOR OUR SAFETY and did not want to venture out. WE NEVER SAW THE ADVERTISED HOST and COMPLAINED THAT WE DID NOT WANT TO STAY THERE BUT WERE TOLD " TOO BAD, YOU HAVE PAID AND YOU HAVE TO STAY HERE ''. WE HAD NO USE OF KITCHEN, ANY OUTDOOR AREA - nowhere but the rooms. WE PAID FOR USE OF THESE AMENITIES. XXXX XXXX HAS BEEN PROVIDED THIS COMPLAINT BUT WILL NOT RESPOND TO ME ON THIS.
Product: Money transfer, virtual currency, or money service

I had a number associated with my paypal that I changed. It was XXXX. I wrote the XXXX  to ask Paypal to lift this so I could change my number as I couldn't get into my account. They did not and will not. At the same time, they won't let me open a new one with my banks because my banks are attached to the old account with the email XXXX, so I want it closed as I can not even get in to close it and they won't either.
Product: Mortgage

WE HAVE HAD OUR PROPERTY TAXES DEFERRED BECAUSE WE ARE BOTH OVER XXXX YEARS OLD. 

NEW REZ SUDDENLY PAID OUR BALANCE WITH XXXX COUNTY TAX ASSESSOR, AND HAS INCREASED OUR HOUSE PAYMENT BY {$700.00}. 

NEW REZ LOAN NUMBER IS XXXX. 

WE HAVE SENT THEM LETTERS FROM THE TAX ASSESSOR TWICE AND CALLED THEM AS WELL AND THEY ARE BEING NON RESPONSIVE. 

MY HUSBAND NEEDS CONSTANT XXXX XXXX  AND THE FINANCIAL STRAIN OF THIS SUDDEN NEW EXPENSE HAS BEEN TERRIBLE. 

WE NEED THEM TO REVERSE PAYMENT TO XXXX COUNTY SO THAT WE CAN GO BACK TO HAVING THE TAXES DEFERRED UNTIL WE SELL OUR HOUSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX 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

To whom it may concern. I work hard at clearing up my credit and making sure that my bills are paid on time to help boost my ratings however the three credit agencies makes it impossible for me. They are constantly decreasing my credit scores in when they should be increasing it. I recently paid off a car loan 3 months earlier than contract date. I just knew my score would increase instead they decrease it by XXXX. My finger hut account closed due to the company changes not anything to do with me. Account was current and the agencies decrease my account XXXXWhen i contacted both company 's they stated to me that the agencies are responsible for the decrease in my scores. I contacted the agencies and have not received any feedback and it's been 2mths already. 

Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX Last XXXX SSN # XXXX RE : XXXX XXXX Acct # XXXX and XXXX XXXX Acct # XXXX TransUnion are you exercising your grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In my dispute, I specifically requested that you conduct a reinvestigation into the accuracy of the below item, as provided under the FCRA. You have failed to do so. My consumer report is still containing false and defamatory information, and that you refused either to correct or delete the information in my consumer file after I notified you of the inaccuracy. You can't merely parrot the furnisher information.Your agency 's failure to conduct a proper reinvestigation and your reliance solely on the furnishers ' information not only puts you in violation of the FCRA but also subjects me to potential financial harm and distress, as inaccurate credit reporting can affect my creditworthiness and financial opportunities. 
1. Delete this inaccurate account because date of last active XXXX XXXX Acct # XXXX XXXX has XX/XX/XXXX, TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX. 

2. Delete this inaccurate account because date of last active XXXX XXXX Acct # XXXX XXXX has XX/XX/XXXX, TransUnion has XX/XX/XXXX, XXXX has XX/XX/XXXX. 
I am also including the reinvestigation File Numbers : XXXX and XXXX see attached documents. Proof of no reinvestigation and no change was made to circle and highlighted date last active. 

Section 611 ( a ) ( 1 ) of the FCRA clearly states that " A consumer reporting agency shall ... conduct a reinvestigation ... of the disputed information. '' This reinvestigation must be conducted in a manner that is fair and reasonable to ensure the accuracy of the information reported. Additionally, Section 611 ( a ) ( 5 ) ( A ) of the FCRA mandates that if the information is found to be inaccurate or incomplete, the consumer reporting agency must promptly correct or delete the information. Failing to do so further compounds the violation of the law. Therefore, I am formally requesting that your agency reopens my dispute and performs a full and diligent investigation into the accuracy of the disputed items, as required by the FCRA. I also demand that any inaccuracies found during this reinvestigation be promptly corrected or deleted from my credit report, in accordance with the provisions of the FCRA. All CFPB complaints maybe used as legal evidence. 
Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XXXX  | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|