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

I have a XXXX XXXX card in good standing with a {$3000.00} credit line and currently at {$0.00} balance. XXXX has manually reported my card to Transunion but they have repeatedly failed to document the card on my credit report. XXXX advised to contact Transunion and after doing so today, Transunion referred me back to XXXX who can not assist further. 
There may have been a dispute with XXXX last year which was resolved. That is not a reason to remove the card which is active and good standing from my credit report.
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/year> Last 4 SS # : XXXX Credit Reporting Agency : XXXX XXXX Transunion To Whom it May Concern, Account name : XXXX XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of XXXX, and while reflecting XXXX ( zero ) late payment. Additionally the utilization percentage is also inaccurate as a 40 % of {$300.00} = {$420.00} not {$420.00} as reported by the past due balance According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 my card was charged for {$1900.00}. Upon seeing the charge and noticing that my phone or computer was used to make the purchase I had asked everyone in my household about the purchase. I found my ex tennant who rented a room at my home with a computer he had purchased using either my computer or my phone that he had access to. I took back the item and told him to leave my house. Thinking it would be easiest to return the computer I tried to return it at XXXX at XXXX XXXX on febuary XXXX where an XXXX XXXX male claiming he was the manager of XXXX XXXX  would not except the return claiming the computer had missing parts. I originally thought this was a dispute with the merchant as I had the item in hand as I got it back from my tennant who used my card without my permission. After filing a dispute with the merchant I was told it still should be considered an unauthorized purchase. I feel i should be covered no matter how its filed as visa offeres a purchase protection. Im unhappy with the product and dont want it and XXXX did not accept the return, and i also did not make the purchase so its an unauthorized purchase. Based on visas consumner protection i should be covered by one of these as I was willing to return the item but the merchant would not allow it. After 3 months of waiting for an answer and even being told I would qualify for a provisional credit and not getting it and having late fees add up, i was told that i would not be covered by any of the promised buyer protections or unauthorized purchases that visa offers by chimes disputed department. I have provided police reports and small claims reports but they feel no error has been found while i sit short of XXXX XXXX dollars and a computer i did not want. I feel this is in breach of the visa protection they claim they offer.
Product: Mortgage

To whom it may concern, This is a formally submitted statement to inform you of an error that had occurred on my loan account, referenced above, during the payment of my XXXX taxes, in which the amount of {$1800.00} was paid out of my escrow account twice ( XXXX ) on XX/XX/XXXX. I was notified via letter in XX/XX/XXXX that the error had caused my monthly mortgage payment to rise by {$150.00} due to an escrow shortage making my new monthly payment {$910.00}. 
Since the rise in my monthly payment, I have been made to put my home up for sale as the steep incline in my monthly payment was unforeseen and unaffordable. When the error was made clear to me after looking into the rise of my monthly payment, I made contact to begin correcting this error with a phone call to PHH Mortgage 's customer service department on XX/XX/XXXX which ended with the promise of an answer within a business week, but after no return call, I made contact again on XX/XX/XXXX ; which I was told that the issue was now being submitted to a different department to be looked into. I made 3 more attempts via phone call to their customer service department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, making a total of XXXX hour and XXXX minutes on the phone with no progress being made. 
I have been in contact with multiple PHH Mortgage personnel including XXXX, XXXX, XXXX and XXXX. My request has since gone through PHH Mortgage Servicess tax department, escalation department, and research department with little to no answer for the error that occurred. I was informed via email on XX/XX/XXXX by the XXXX Department that PHH Mortgage Services reached out to my Tax Assessor and confirmed that my taxes are paid to date and that a refund is not due from the Tax Agency with no mention of the still missing second withdrawal from my escrow account ; according to the county, one tax payment was submitted from XXXX in the amount of {$1800.00} XXXX # XXXX. However, I received an email by PHH Mortgage on XX/XX/XXXX stating that they have yet to hear back from my tax assessor. The company has continued to email me under the pretense that I do have a refund but it now has been sent to the wrong company and they are looking into it.
Product: Credit reporting or other personal consumer reports

According to FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. They forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following account to be removed immediately from my credit report. Accounts # XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Equifax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX. I have never paid the XXXX XXXX   account late, I have never paid the XXXXXXXX XXXX account late, I have never paid the XXXX   account late. Equifax has yet to prove how they received this inaccurate information, and have not corrected the information following my proof that the information is inaccurate. Please help me get this matte resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Majr Financial is reporting an inaccurate late on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB closed my complaint with this company. The inquiry they put on my credit is fraudulent and the information used was incorrect so again, I want it removed from my report. Chase sent me a letter in the mail saying I was denied credit for various ( untrue ) reasons, and they said the date it was calculated was XX/XX/2021. My credit score as of today ( XX/XX/2021 ) is XXXX according to XXXX. So not only was I incorrectly denied when I requested my removal, I also had them place a hard inquiry on my credit report for someone that isn't me. I've tried calling them multiple times and they have been no help, so here I am trying to get all these random inquiries off of my account. Either someone has stolen my identity, or someone isn't telling me the truth about my accounts. This is the first of many inquiries I have to take care of and that I have proof of incorrect information which is a good sign of XXXX XXXX. 

I've even attached the letter they sent to my old home in the mail. The address they have on file from when I used to have a Chase checking account a couple years ago.
Product: Credit card

I was told to change my credit card number since I could not get the phone number for XXXX. I changed credit card numbers and Wells Fargo still let the charge go through. The charge was {$19.00}
Product: Credit card or prepaid card

We've been American Express Gold Card Members for over 5 years now with no delinquencies whatsoever. We never had an issue using our card until 3 years ago, when one month we failed to make a payment on the due date and paid the following day to bring it current and since then American Express penalized us with a pre-set limit of about ~ {$1500.00}. 

American Express sees we spend much more than that and all of the payments are made on time with no issues
Product: Money transfer, virtual currency, or money service

My account was permanently banned from someone else trying to login and verify that they are me to steal the money
Product: Credit reporting or other personal consumer reports

I am showing a collection on my credit report from " XXXX ''. This is account was inaccurately placed on my credit report to which I requested that it be removed. The XXXX  payment was completed and submitted to their company directly BEFORE this was sent to the credit bureaus for collection. This account was already paid off. It has not been removed from my credit report. I also contacted a representative by phone in regards to this account. I need this removed as it is not accurate.
Product: Debt collection

I have tried on multiple occasions in 2022 to have an inaccurate Collections account that has been on my credit report. This company kept on harassing me by phone calls. The reporting agency has refurnished this derogatory information which has caused me to be unable to have access to conduct fair consumer transactions such as purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit card

I made a purchase with bel furniture and the furniture was damaged, they also cause damages to my home and they just never responded use every excuse in the book to not acknowledge any issue. Synchrony home credit card has been unable to assist with the dispute they side with them and asked me for a lot of things that at the end does not resolve the case. I never get the dispute results, I do ask for paperwork they do not respond and at this time XXXX cant continue to pay something that was sold fraudulently to me. No one helps me. 
The furniture company never responded to me u til after XXXX months, I also have a warranty that they at this point violated the terms of that. I am attaching emails of the supposed person that contact me and has ignored me. Also a letter that the bank requested from the sales person. 

I have witnesses my XXXX  was with me and my XXXX  was at the time of all this things have happened, etc. I just want my money back and be treated with dignity, synchrony is handling this poorly
Product: Credit card or prepaid card

I have a visa card with XXXX XXXX sponsered by XXXX. Without my permission, they have terminated my account with XXXX and are reissuing a XXXX with Citibank. Im not sure how a clothing company is allowed to make these types of financial decisions for a consumer. I have contacted the state Banking commission and was advised that as both are Nationally chartered banks they have no jurisdiction and referred me to you. Please let me know how what they have done is within the federal banking rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I kindly ask you to help me to remove the account that I do not recognize. I am requesting that you delete information off from my credit report because I am not connected to this account. Its an Identity theft. I do not know how this item ended upon my credit report, but I never signed for or agreed to this charge. Please remove it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to keep fraudulent information on my consumer reports. I am a victim of identity thieves. They have open several accounts in my name. I have tried to dispute this information but I am told they cant dispute it. According to the FCRA they are required by law to verify every debt
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed Experian, XXXX, and XXXX letters providing accounts that was on my credit report due to identity theft. Per the FCRA section 605B I the consumer have the right to have all accounts and information blocked off of my credit report due to XXXX XXXX within XXXX business days. The XXXX credit bureau did not remove any XXXX XXXX off of my credit reports. I submitted a Police report as well as a FCT report all which states the accounts in question. Experian, XXXX and XXXX has not provided any evidence in regards to there investigations. I should not be subject to this treatment and inaccurate information on my credit reports when I was a victim of identity theft. My information was also I. The XXXX data breach. Ive provided all information needed to remove inaccurate information off of my credit report. If this problem persists I will have to take legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid saving account ending with XXXX for {$5.00} and paid the checking account ending with XXXX for {$130.00} with settlement. The debt still being reported as unpaid ; when it's paid. 

TRS Recovery still haven't send me a Paid in Full letter. XXXX  still didn't update reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian regarding inquiries I did not authorize, and for multiple accounts with inaccurately reported information. Even with documentation as proof, Experian will not update my credit reports. This complaint is specifically regarding a substantial amount of inquiries on my credit report that either 1. I do not recognize AT ALL and are clearly fraudulent, 2. I never authorized the company to pull my credit reports or 3. are expired and suppose to be off my credit report but have not been removed. The following inquiries are expired : XXXX XXXX, XXXX XXXX inquiry date of XX/XX/XXXX removal date of XX/XX/XXXX, XXXX   XXXX inquiry date of XX/XX/XXXX removal date of XX/XX/XXXX, XXXX XXXX date of XX/XX/XXXX removal date of XX/XX/XXXX. The following inquiries are inquiries I never authorized : XXXX XXXX, XXXX XXXX inquiry date of XX/XX/XXXX, and additional inquiry dates of XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX inquiry dates of XX/XX/XXXX and XX/XX/XXXX ; XXXX XXXX date of XX/XX/XXXX ; XXXX XXXX with inquiry dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX inquiry dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX with inquiry date of XX/XX/XXXX ; XXXX XXXX date of XX/XX/XXXX ; XXXX   MC inquiry date of XX/XX/XXXX ; XXXX   XXXX XXXX  date of inquiry XX/XX/XXXX ( was a " pre-qualification '' that stated specifically there was no hard pull - only inquiry I recognize at all ) ; XXXX XXXX date of XX/XX/XXXX ; XXXX with inquiry date of XX/XX/XXXX ; XXXX XXXX XXXX XXXX date of XX/XX/XXXX ; XXXX XXXX date of XX/XX/XXXX ( downloaded the app, never authorized them to pull my credit reports ), XXXX inquiry date of XX/XX/XXXX. The following inquiries are inquiries I do not recognize at all and are fraudulent : XXXX XXXX date XX/XX/XXXX, and XXXX XXXX  XXXX XXXX date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX and TransUnion after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 


XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX : {$26000.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$2800.00}, XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance :
Product: Debt collection

I called in to Convergent outsourcing solutions to get verification of a debit that showed up on my credit XXXX, XXXX 2016. I called in and requested a letter for the debt. The representative told me that she could n't send me a letter because I was n't making payment on the debt at the time that I was requesting the letter.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] TreatmenXXXX of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LL
Product: Credit reporting or other personal consumer reports

Request for Immediate Removal of Fraudulent Account [ XXXX ] I am writing to formally request the immediate removal of fraudulent account from my credit report. The account in question is with XXXX XXXX XXXX XXXX, bearing the account numbers- [ XXXX ]. I have included a Federal Trade Commission ( FTC ) Identity Theft Report that documents the fraud Also a XXXX referral. form Pursuant to the Gramm-Leach-Bliley Act and 15 USC 6802, it is your obligation to ensure the privacy and accuracy of my personal financial information. Maintaining this fraudulent account on my credit report is a clear violation of these statutes and causes undue harm to my credit standing. ( MY FTC REPORT NUMBER IS XXXX ) Please confirm in writing that this account has been removed and provide me with an updated copy of my credit report. If this matter is not resolved promptly, I will have no choice but to escalate this issue further. 
Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.