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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX  personal information XXXX : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous XXXX ( es ) : XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, SCA collections received a certified letter ( XXXX ) in reference to a request to validate a medical debt for {$540.00} that I allegedly owed their client from XX/XX/XXXX. Instead, on XX/XX/XXXX, SCA Collections mailed me a bill detailing private medical procedures, performed by their client, without my prior authorization in violation of HIPAA laws. On XX/XX/XXXX, SCA Collections received a 2nd certified letter ( XXXX ) in reference to a continued failure to validate the alleged debt ( FDCPA Violation ) and an intent to sue for a HIPAA violation if the collection was not immediately deleted from all 3 major credit bureaus. As of the date of this complaint, SCA Collections has not responded or complied with my request for deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX .... Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. 

Also, I have enclosed the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete these items. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish an account without written instructions.
15 U.S. Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. 
NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX  - XXXX - {$4600.00} XXXX XXXX XXXX - {$16000.00} XXXX  - XXXX - {$24000.00} XXXX XXXX  XXXX - XXXX - {$30000.00} Late Payment XXXX XXXX  - XXXX - {$300000.00} XXXX - XXXX - {$18000.00} XXXX XXXX  - XXXX - {$1800.00} Inquiry XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Personal Information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I went in to the U.S. Bank location on XXXX XXXX XXXX XXXX. in XXXX, MO to consolidate two savings accounts. While I was there the banker was extremely concerned that I did not have overdraft protection on my account, and asked me why. I told him it was because I didn't need it, and have no interest in adding it. He kept pushing and asking if he could add it, so I finally said yes in order to get out of there. He said it would take 5 minutes, and I said I didn't want to wait and didn't need this protection. He told me it would actually take just a minute and he was almost done. He had me sign my name on a digital screen, telling me it was to consent to add overdraft protection to my account. Several days later I received an email from U.S. Bank congratulating me on opening my new personal line of credit. I was extremely concerned and initially believed that my account had been hacked. I logged into my account online and saw that I had a new personal line of credit called " overdraft protection ''. The banker never told me that I was opening a personal line of credit, and I never would have consented to opening such an account. At best this was extremely unethical and misleading, at worst it was illegal.
Product: Debt collection

Cell phone XXXX This written notification is to inform XXXX of the unacceptable business practices that I have encountered when I became a customer for the first time ever on XXXX XXXX XXXX

When communicating with the individual from XXXX, I was informed that I was eligible to get the cell phones I received for free, being that I was a new customer. My account was established and I waited for the cell phones to be delivered. 

I went to the XXXX store in XXXX, Ca, on XXXX XXXX XXXX to request that staff assist me with setting up my new cell phones. During this process, I requested to transfer my current paid off cell phone and XXXX watch from my parents account. This process took some time and the staff had to communicate with XXXX as there were some issues XXXX staff had encountered. The staff also contacted my parent about releasing and transferring my cell and watch numbers. XXXX staff asked my parent to also call, due to the XXXX staff member encountering problems. 

Apparently during this process, XXXX staff decided to create another XXXX account in my name to get my new account set up. During this process, I had no idea what XXXX staff were doing, nor was I aware they were creating another account. If I would have known this, I would have stated NO. I did not request to have another account be set up. This practice is unacceptable. 

I went to the XXXX store expecting to get expertise assistance for setting up my new phones on my new account and come to find out 30 days later, I was sent to collections by XXXX which has now ruined by credit by sending one of the accounts XXXX staff created to a collection company by the name of TSI.

I have communicated with TSI directly about this issue and their response is that I need to pay the {$1800.00} in full. 

What kind of unscrupulous business practices is XXXX doing? This is an egregious act by XXXX and its staff to take advantage of people who are on limited income. 

I am contacting CFPB about this matter, as I have also contacted XXXX, and all I am being told is to contact TSI. 

XXXX is not taking ownership for the errors made by the XXXX staff that have negatively impacted me. 

XXXX XXXX must take ownership for their staff who decided to create two separate accounts and the fact that they have caused me undue stress, major negative impact on my credit reports and XXXX is not willing to address the internal issues within XXXX. 

I am asking for XXXX to correct this issue, by removing the collection account XXXX sent to TSI, reinstate the original offer provided to me by XXXX of getting the cell phones for free by establishing a new account with XXXX.
Product: Credit reporting

I was given questions to answer from Transunion however, one of the questions asked me to answer the county in which i lived? I know that I lived in XXXX XXXX, CA however, I did not know the county that city resided in! Then I was denied my free credit report as a result of it!!! I still want my free yearly credit report from Transunion!!!! This has happened to me from XXXX or XXXX and now from Transunion!!! I am tired of this being allowed to happen!!!! 

Thanks, XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I opened a checking account with Bank of America. I signed up with a {$100.00} promotion that required me to receive {$1000.00} in direct deposits into my account within 90 days. On XX/XX/23 I brought my account to {$1800.00}. I waited 60 days after meeting these requirements and still have not received the bonus. When I contacted BoA they said no bonus offer was attached to my account opening and they would not honor the bonus. I believe this to be in error. Below are the bonus requirements 1 ) Enroll in this offer online by using the Open account link on the offer page or by entering the offer code at the time of account opening.

2 ) Set up and receive Qualifying Direct Deposits of {$1000.00} or more to your new personal checking account within ninety ( 90 ) days of account opening.

Offer is available online only and is limited to new personal checking customers only ; you are not eligible for this offer if you were an owner or co-owner of a Bank of America personal checking account within the last twelve ( 12 ) months.

A Qualifying Direct Deposit is a direct deposit of regular monthly income such as your salary, pension or Social Security benefits, which are made by your employer or other payer using account and routing numbers that you provide to them. 
If you meet all of the requirements, Bank of America will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days.

The value of this bonus may constitute taxable income to you. Bank of America may issue an IRS Form 1099 ( or other appropriate form ) to you that reflects the value of such bonus.
Product: Credit reporting

You have me living in Indiana. I have never lived there I have always lived in XXXX. Please correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Adjusters Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy. 

15 U.S.C. 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Company is reporting 3 loans each as late twice to all credit bureaus.

90 days late 120 days late 90 days late 120 days late 90 days late 120 days late Totaling 6 missed payments which is inaccurate credit reporting because all loans were on a Income Based Repayment Plan at the same time. 
The problem with this is that one XXXX XXXX Never notified me prior to the account being out of deferment effective this date. 
Second XXXX XXXX XXXX Service Never mailed me a letter although my address was on file at the time of the account being in deferment. 
Third XXXX XXXX service placed the account on a payment schedule without notifying me of my right to request a Income Based Repayment plan. 
As you will see I have attached copies of their correspondences that were never sent to me and the notification preferences that were on file. All it shows is electronic. 
Further, there are no records prior to XX/XX/2018 of a notice being sent that an initial payment was due for only 3 loans when all loans were on the same loan application for repayment, only a notice that the account was past due which is inaccurate.
Product: Debt collection

COLLECTION COMPANIES REPORTING SAME ACCOUNTS 2X ON FILE AND OUTDATED REPORTING INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX BANK XXXX, XXXX XXXX XXXX
Product: Vehicle loan or lease

The fees associated with the auto loan in question were not detailed. The amount owed never seemed to decrease through the loan term.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has me paying {$24.00} to monitor and give updates on my credit only 9 times out 10 when your alerted of some sort of activity concerning my credit report theres nothing ever truly there to speak of. I have had 2 incidents where someone tried to use my name to open business accounts. When I asked who what when where these things were these things were occurring they could only show me at what bank this occurred at. If someone is trying to open an account anymore would want to know who did the transaction, what city and state and what location. They could offer none of the above so what am I paying for? I consistently get alerts that lead to nowhere. I could give you 20 incidents of nonsense but I would be here all day. This site wont allow me to check multiple infraction boxes.
Product: Debt collection

XXXX is trying to collect on a debt that has reached the Statute of Limitations. In the letter that was mailed to me, the date of debt was purposefully obfuscated. I called absolute Solutions and I was told that the statue of limitations on the debt had expired. 

XXXX XXXX was rude and disrespectful when I called to resolve the debt.
Product: Debt collection

Collection Service of Nevada is attempting to collect a debt that was the result of identity theft. Also they are attempting to collect a debt that still belongs to the original creditor XXXX of XXXX. Also Collection Services of Nevada is, or has inflated the alleged debt from {$1500.00} to {$1800.00}. Collection services of Nevada is in violation of the Fair Debt Collection Act and the Fair Debt Reporting Act. Collection Services of Nevada has no regarded for the consumer laws. Collection services of Nevada has not sent any documentation that they own this alleged debt and has changed the original amount of this alleged debt in violation of the law. Collection Service of Nevada has disregarded the fact that I have not or was a residence or was the occupant during the time this alleged debt occurred.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the following account below have violated my federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15 U.S. code section 1602 ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation. 

Names Reported : XXXX XXXX XXXX, XXXX XXXX XXXX They ( credit furnishers ) have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2.

Additionally it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish any account without my written consent.
Product: Credit reporting

I tried to log in to the website. I was n't able to log in so I called the customer service phone number and they were n't able to get me to log in after several attempts and temporary passwords. They were able to successfully verify my identity. I used XXXX different browsers while we were trying. I cleared cookies and restarted the computer as they had advised. Nothing worked. The customer service rep finally created a tech support request on his end after an hour of staying on the phone. They asked me to call back in 7 business days to see if the issue has been resolved. I wo n't be refunded for the amount of time I am not able to use the service. I asked to speak to a supervisor and was placed on hold for longer than half an hour. This is on top of my staying on call with their rep for 50 minutes trying to resolve the log in issue. The customer service rep came back online and mentioned that I should try logging in again. I asked him that I need to speak to the supervisor and I do n't want to try anything again. I told him that I am filing a complaint with Bureau of consumer financial protection. As soon as I mentioned that, I had a supervisor on the line ready to speak to me. I asked him to refund me the amount that I paid since my last successful log in. He said he can only refund one month of fees which is wrong. I think it is unfair to have someone stay on phone for longer than an hour of their life trying to resolve an issue that 's on the company 's side.
Product: Credit card or prepaid card

On XXXX XXXX I received an email to thank me for my XXXX purchase. 
I didnt make a purchase and called my Chase Credit card to report the fraud. The man on the phone named XXXX told me not to worry Im not liable and would close the card and issue me another one. I also spoke to him and told him I would call XXXX because on the email it said that the order was to be picked up and I wanted to warn them. 
When I received my new card the amount was still charged on it for {$100.00}. 
I called and spoke to them again and they said they will look into it and get back to me. I received a letter from the fraud department saying that I received benefit from the transaction. I called again and they told me that they dont need to give me that money back because it was on my XXXX account. I explained that I didnt do it and they told me to get a police report and send. I did that and the email they gave me didnt work so I called again and spoke to XXXX who told me they dont need that and theres nothing they can do. That I need to talk to XXXX to get my money back. I closed my account with them I was so angry. The police couldnt beieive it. They are now requesting video.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I'm including it again. 
XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TRANS UNION ONCE AGAIN REVERTED TO A 30-DAY LATE ON MY REPORT WHEN THEY REMOVED IT LAST MONTH. TRANS UNION DOES THIS EVERY OTHER MONTH AFTER SEEING THEY ARE REPORTING INCORRECTLY. THIS HAS BEEN AN ONGOING ISSUE SINCE XX/XX/year>. PLEASE ESCALATE TO THE LEGAL DEPARTMENT. SEE SCREENSHOTS AS PROOF THEY ARE RUINING MY CREDIT WITH THEIR INACCURATE REPORTING!!!!!!!!!!! XXXX HAS REPEATEDLY SENT NOTICES EVERY OTHER MONTH ; THIS ISSUE NEEDS TO STOP!!!!!!!!!!!!!
Product: Debt collection

Account opened in my name regarding a loan that I never opened, talked to the company they under stand that it was fraudulent, Ive taken several acting by disputing this report also making a police report linking my ssn to fraud. I also talked with my lawyer to help with this issue Account was open 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

For the past couple of years, I have been trying to get the credit bureaus to correct specific information on several accounts for years. The bureaus refuse to investigate and/or correct and/or remove any information regarding these accounts. The accounts are reporting incorrect amounts, dates, payment statuses and much more. Also, it's an obnoxious amount of inquiries, when I haven't obtained credit in a year due the reporting inconsistencies, but they won't remove them just tell me to ask the creditors, but I can't get past verification to even ask them to remove them because they are from ID theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX TransUnion 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 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 XXXX I did not agree, nor do I know of all of these inquires on my credit report I believe these inquiries are fraudulent.
Product: Credit reporting

Equifax keeps reinserting wrong addresses that was previously deleted after I spoke with several different representatives and was giving a confirmation number. I even sent them information via mail. The addresses was deleted months ago and within the pass two months have been reinserted.
Product: Credit reporting or other personal consumer reports

A student loan listed by the Dept of Education XXXX for {$2700.00} on my credit report. The loan was discharged by the Dept of Veteran Affairs for Total and Permanent XXXX ( XXXX  ) on XX/XX/year>. I have tried numerous times to get it removed.