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

My information was involved in the XXXX  Breach and I found a lot of things on my account that was not accurate / I disputed the accounts and they were deleted from one of the credit bureaus only / I noticed that the information was still on my credit report and sent documentation to all 3 bureaus again and the other 2 remaining credit bureaus will not remove them from my credit report and me and my husband is attempting to purchase a home and we can not due to the errors on my credit report. I would like for these items to be removed so I can move forward with my home and life here are the accounts that was removed and are still on my XXXX and Transunion report All of these accounts were deleted from my credit report and i mailed it in to all 3 bureaus and no resolutions for none of them they are still showing on my credit report until this day XX/XX/2020. All of this documentation was from my XXXX account and it's showing as if I am not credit worthy at all. I also wanted to inform that it is my right for most of the companies to be removed because the information on the reports are not the correct information as far as my personal information and also when I first acknowledged the information on my report the amounts that they stated someone had charged or spent is even different from credit report so that's why I know the accounts were fraudulent and needs to be removed and my next step is to hire a attorney if this can not be resolved because it has went on to long with no resolution and me and my fianc is attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent the credit bureaus letters asking them to verify the debt on my report. They have stated everything is verified correctly. This is false. My credit reports still show inaccuracies and fraudulent activity. According to the 15 U.S. Code, $ 1681c-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 the information is inaccurate. A consumer reporting agency shall block the reporting of any Inaccurate 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 they are in violation of this law because I am a victim of identity theft!! Please have them delete these items immediately! I also did not give consent to give any information pertaining to my transactions and experiences. 15 U.S. Code $ 1692c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate charge-off on my credit report by Kia Motors Finance , as shown on my XXXX report . The account is listed as a " profit and loss write-off, '' yet Kia has verbally told me the debt was not canceled, and that a 1099-C was never issued. This is contradictory. 

On XX/XX/year>, I sent a certified dispute letter to XXXX, including a copy of my government-issued ID and a screenshot of my credit report, showing that Kia reported the account as written off. I have not received a clear explanation or validation. 

This violates my rights under : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 I have the right to accurate and complete credit reporting. If a debt is canceled or forgiven, it must be reported correctly, and I must be notified. 

IRS Guidelines Under IRS rules, Form 1099-C must be issued when {$600.00} or more of debt is canceled. If Kia claimed a " profit and loss write-off, '' it may indicate the debt was forgiven, triggering the requirement to send a 1099-C. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g I have the right to request debt validation and receive a breakdown of the amount owed, which I have not received.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXXEPT OF EDUCATIONXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights are constantly being violated & disrespected by XXXX credit bureau by not providing any proof of their investigation! I demand proof of the investigation, the following negative accounts are to be removedXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit card

I had a promotion on this card of 0 % interest until XXXX. I was making payments on a large charge of $ XXXX which was more than the minimum required to pay it off before interest accrued. I did not use the card at all besides one other purchase recently, which I paid off immediately. However, the company then removed the 0 % interest and did not apply my payment to the new charge. Then without warning the company began charging interest on what was supposed to be interest-free until XXXX. I tried calling and had to go through XXXX voice prompts to finally get to a human, but could not get anyone to listen and they claim there's nothing they can do, which is bogus.
Product: Bank account or service

On XX/XX/XXXX, I placed a fraud alert on with XXXX and obtained a credit report. I discovered that several entities that I do not have accounts with obtained my person information and conducted unauthorized credit inquiries with the credit reporting agency XXXX. Between XX/XX/XXXX and XX/XX/XXXX Capital One conducted XXXX unauthorized inquiries into my credit at a rate of a minimum of twice a month. XXXX conducted unauthorized inquiries on XX/XX/XXXX and XX/XX/XXXX. XXXX conducted an unauthorized inquiry into my credit on XX/XX/XXXX. XXXX conducted an unauthorized inquiry into my credit on XX/XX/XXXX.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

XXXX XXXX OWES ME {$500.00} DOLLARS, SO MADE A STATEMENT I TOOK HIS MONEY TO BANK OF AMERICA SOTHEY ARE HOLDING UP MY ACCOUNT OF {$400.00} DOLLARS AT MY BANK AT XXXX BANK ACCOUNT # ENDING IN XXXX I WANT MY MONEY RELEASED BACK INTO MY ACCOUNT, BECAUSE I HAVE PROOF THAT XXXX XXXX MADE FRAUDLENT TRANACTION FROM ACCOUNT TO HIS ACCOUNT, SO THE MONEY HE CLAIMS I XXXX XXXX BELONGS TO ME BECAUSE HE STOLE MONEY FROM MY ACCOUNT I'AM ASKING THAT MY {$400.00} DOLLARS BE RELEASE IMMEDIMATE PLEASE, XXXX XXXX IS A SCAM ARTIST, A RIPP OFF, AND THIS BANK OF AMERICA BELIEVE HIM BANK OF AMERICA IS A RIPP OFF TOO, I XXXX XXXX WANT MY MONEY PUT BACK INTO MY ACCOUNT WHICH THEY ARE HOLDING, BANK OF AMERICA IS A RIPP OFF, DISHONEST BANK, NOT GETTING THE ACTUAL FACTS, FRAUDLENT TOOK MY MONEY OUT OF MY ACCOUNT ... BANK OF AMERICA, RIPP OFF SCAM MY MONEY OUT OF MY ACCOUNT, RELEASE MY MONEY.
Product: Debt collection

On XX/XX/XXXX, XXXX and XXXX, I received written correspondence from Transworld Systems Inc. regarding a medical bill for a XXXX XXXX for {$4500.00}. 

The XXXX XXXX never received any medical related services on the dates provided on the letters from the debt collection agency. 

The XXXX XXXX  was not present at any facility on the dates of services nor was any care authorized by the debtor. 

The parent named as the debtor never provided any consent, signature, verbal or written consent for any medical services to be provided on the date ( s ) of service. 

The debt collection agency is intimidating our family by sending notices for the same illegitimate debt 3 times over the course of 4 days. 

I contacted Transworld Systems XX/XX/XXXX and said this debt does not belong to me or the XXXX XXXX. I was told repeatedly that I could not dispute the debt over the phone and that the debt was valid and that it would be reported to my credit if I did not pay it by XX/XX/XXXX or accept a payment arrangement. 

On XX/XX/XXXX I sent a letter disputing the debt and asked for the information that could be provided, such as the name of the original creditor. 

I contacted Transworld Systems XX/XX/XXXX and asked if my letter was received. I was told there is no record of the letter 7 days after the letter was mailed US Mail. 

Transworld representative said you can also submit your dispute online. I reiterated that their online website was not operating and that I was unable to get credentials to log into the website after several attempts. 

The representative was getting frustrated with me and elevated their tone and told me, you are responsible for the debt and it will be reported against your credit if you do not pay it on time. The representative went on to say, your dispute, even if you really sent one, won't accomplish anything meaningful for you. You will still be liable and further action could proceed against you if you do not pay the debt in full.
Product: Debt collection

The representative agreed to delete debt and has asked to send direct dispute. Debt has been removed and re-entered multiple times over and over again.
Product: Payday loan, title loan, or personal loan

I had purchased a vehicle from XXXX XXXX XXXX XXXX. And had way to high of interest on my car. It is 24 %.
Product: Debt collection

I lived at XXXX place from XXXX When I signed my lease i paid XXXX  month rent ( XXXX ) and security the security deposit ( {$1000.00} ) was supposed to be refunded when you move out of the apartment Ive sent emails and gave a forwarding address to receive funds I have never received when I inquired about the security deposit via email I never got a response but I have a collection on my credit in the amount of {$2200.00} that they failed to bring to my attention I have never received notification or reasoning behind the collection nor have I received my security deposit
Product: Payday loan, title loan, or personal loan

I am writing this due to non-compliance with NETCREDIT. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

Capital one 1/15/2023, Equifax
Capital one 1/15/2023, Experian
Capital one 1/15/2023 TransUnion
JPMCXB CARD 1/26/2023, Experian
JPMCXB CARD 1/26/2023, TransUnion
DISCOVER FINANCIAL SER 5/24/2023 Experian
ALLY FINANCIAL 9/25/2023 Experian
SYNCB/PAYPAL 1/26/2023 TransUnion
SHEBOYFAN CH 9/25/2023 TransUnion
LANDMARK CRU 9/25/2023 TransUnion
ALLY FINANCI 9/25/2023 TransUnion
US BANK 9/29/2023 TransUnion
Product: Checking or savings account

There were XXXX devices signed into my bank account. My e-mail was changed on it. I have been told there were transactions underneath my transactions at gas stations and the grocery store.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to attend the following shown items in this letter which contains date taken directly from my credit report which you have provided. 

XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. # 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Credit card or prepaid card

XXXX ( {$520.00} ) & XXXX ( {$5.00} ) On XX/XX/XXXX, my card was stolen and about XXXX unauthorized charges were made ( as most charges have been dropped I am not sure how many there were ). I was notified of this through a text from Citi where I immediately notified Citi via text that this was an unauthorized charge ( screenshot attached- please note the XX/XX/XXXX text on the bottom as the earlier texts are from a prior date and not under dispute ). I then went into my account and found the other XXXX charges and, via the app, notified Citi that these were fraud. My credit card number was changed to prevent further fraud. XX/XX/XXXX, while ensuring my account was cleared of these charges, I found that there were XXXX others left behind that had not been cleared. These totaled {$520.00}. I contacted Citi via phone to let them know these were fraud as I did not make these charges. I do not have any authorized users on this account. My fraud claim was denied despite my telling the team multiple times I did not make this charge. I then reopened the claim and followed up multiple times regarding the status and at least XXXX times was assured that I would get a credit in XXXX business days ( screenshots attached ). The XXXX time I reached out I was given a number to call. When I called this number, I was notified that my claim was denied as I had a mobile wallet. I gave the XXXX to the fraud dept to help with investigation - but it was not reviewed. I am not sure how these charges were made, but if it was through a mobile wallet, I can assure you I DID NOT MAKE THIS PURCHASE. Perhaps someone used my card on their phone? My uber account also does not have these charges in them. I reopened the charge on XX/XX/XXXX, called back to check status on XX/XX/XXXX and was given an email to send evidence to. I sent evidence to the email Citi provided on XX/XX/XXXX. I called back XX/XX/XXXX to check status but was told the dispute was still closed. I went to the CitiBank branch XX/XX/XXXX as well and was still unable to resolve it. have tried many times to resolve it. None of my evidence was reviewed and I have not seen an uber reciept so I can't even fight it with XXXX. I did not make these charges.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and XXXX. I must reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my credit accounts is was not showing on XXXX,. I called my Credit Card company ( XXXX XXXX ) and they were able to immediately add me to XXXX over the phone. 

XXXX XXXX instructed me to contact Equifax and XXXX. I called both companies and received no help over the phone. I sent a letter to both Equifax and XXXX. To add my account to my credit report. 

I got a letter from XXXX along with a copy of my credit report showing that the account was added and was resolved. 

I got a letter from Equifax stating there was nothing that they can do and that I must contact XXXX XXXX. Well XXXX XXXX insists Equifax has to fix the problem. Clearly XXXX was able to fix the error with the information provided. I want to buy a house in two or three years time and I would like my credit score to be correct once I am ready to apply for a loan. 

How to I have someone at Equifax do their job and stop passing the buck. Bad enough they do not secure our personal information and have data breaches. 

Equifax, one of the three largest consumer credit reporting agencies in the United States, announced in XX/XX/2017 that its systems had been breached and the sensitive personal data of 148 million Americans had been compromised. ... The Equifax breach is unprecedented in scope and severity. 

Why does the Government not shut down this lazy hack of a company? 

How can I get this company to report accurate information???
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit card or prepaid card

I filed a Demand for Arbitration with the XXXX XXXX XXXX in a matter with Netspend. Netspend’s cardholder agreement requires arbitration in matters of disputes. Netspend has failed to pay the required arbitration costs so that the case can proceed. Failure to pay these fees are a breech in the arbitration agreement.The XXXX XXXX XXXX case number for the matter XXXX vs Netspend is XXXX
Product: Money transfer, virtual currency, or money service

I reach out to cash app about my money was getting stolen from my account they told me to send them screenshots of the transaction that I didn't make I did that and they still haven't replaced my money this been going on to long.
Product: Prepaid card

I 'm a Rushcard member and my direct deposit was never issued to me. When using mu card it declines all transactions! I 've had to borrow money in order to feed my family and pay bills!
Product: Credit reporting or other personal consumer reports

XXXX. Florida Police Report XXXX XXXX XXXX. I hope all is well with you and your family! When we met, you were kind, considerate, patient and genuinely tried to help me with my Identity breach issue. I have great news for you. XXXX has exonerated me from the fraudulent information appearing on my account at EXPERIAN. I swore to you and dozens of many websites that I was always telling the truth about the falsification of my XXXX  records. Please see the attachment from XXXX that frees me from my XXXX for the time being. In my opinion, you did a stellar job, and words can't explain the XXXX and appreciation that I feel. I believe that the case is closed and do not want you to " burn anymore cycles. '' Experian has been unlawful by not honoring their commitment to remove the fallacious and irreputable damaging data when you view " XXXX XXXX Results '' at their paid premium service. My case number at XXXX is XXXX which indicates that my stolen personal data was not mine just as I told Experian over XXXX times! You may call XXXX at XXXX. 

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

Applied for Credit and Found an account with FNB Omaha that does n't belong to me ... .contacted FNB of Omaha and the say that they do n't have a credit card account with my name or social security number or birthday. File complain with XXXX and they came back and said that FNB of Omaha said account was correct. 
I call back to FNB of Omaha again and the same result that they have nothing in my name but continue to report on my credit file