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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX  depressed now.with no help.
Product: Credit reporting or other personal consumer reports

Hello Equifax, My name Is XXXX XXXX I've received an updated copy of my report and noticed their are still 6 fraudulent accounts reporting on my report. I am asking that these accounts please get removed from my report.
Product: Checking or savings account

capital one promoted a certain interest rate for a high yield savings account and didnt uphold promo
Product: Credit card

My credit transaction history shows that I made a {$120.00} purchase from XXXX on XX/XX/year>. I never made such a purchase and I didn't even have my credit information stored, neither have I logged into XXXX in over a year prior to that purchase. There was no way I made that purchase. I called my credit card company to dispute the transaction because I had not made it nor provided my credit card information to XXXX, explained the situation, and they temporarily reversed the charge and canceled that credit card in order to provide me with a new one. I check my credit transaction history and see the credit has been readjusted. I called Capital One and asked for an explanation and they concluded that there was no fraud committed. No fraud committed?! How does that make any sense when I did did not only make that charge but I also never GAVE XXXX MY CREDIT INFORMATION! Prior to this charge I hadn't even logged into XXXX in over a year!
Product: Debt collection

I called ProCollect Incorporated @ XXXX on XX/XX/XXXX responding to a notice to collect a balance of {$100.00}. The notice was dated on XX/XX/2022 stating that I can write or call them by XX/XX/2022. Which is today 's date, I called and spoke to a man who identified himself as XXXX XXXX. I advised him that I am disputing this debt because I don't owe it and I don't know why there is a balance. He told me that it does matter what I say, if even I call to dispute that doesn't mean anything and that the burden of proof is on me as the consumer to give proof that I don't owe balance. The letter that from this collection agency clearly states that " we must stop collection on any amount you dispute until we send you the information that shows you owe the debt. XXXX XXXX said I can call all day long but I need to send proof that I don't owe this. XXXX XXXX said that the client said that the balance is for a bag of trash and damages. I am requesting proof of these debt as I am entitled to instead I am being denied this is a clear violation of my protected rights under FDCPA.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX. The inquiry was not authorized XXXX Date of Account : XX/XX/year> Please remove it from my credit report. XXXX XXXX XXXX  Account Number : XXXX .Validate the late payments. I have never been late on this account. XXXX Account Number : Please correct/update this inaccurate information on my credit report. XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX  TRAFFICKING. Please correct/update this inaccurate information on my credit report. XXXX XXXXAccount Number XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! Please correct/update this inaccurate information on my credit reportXXXX XXXX XXXX Account Number : XXXXPLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items there to be inaccurate. 

Under the 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 maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 ( Original Creditor : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was transferred to a collection agency not licensed to collect in Maryland. I am a Maryland resident.
Product: Prepaid card

The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable South Carolina Department of Revenue prepaid debit card services for refunds, or South Carolina Vendor Enrollment debit card, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GAXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Debt collection

Good day, I cant emphasize enough how frustrating and exhausting this situation has been. Imagine waking up to find a debt under your name that you know nothing aboutcompletely unverified and undeniably not yours. To make matters worse, Ive been bombarded with harassing messages and threats of legal action, which is both unfair and deeply distressing. As a law-abiding citizen, this blatant violation of my rights as a consumer is not only insulting but has also taken a serious toll on my mental health. Ive been unable to sleep for days because of the XXXX  this has caused.
Product: Debt collection

Stop ignoring my requests ; I'm serious about suing your company for not fixing my credit report. Update XXXX XXXX XXXXXXXX account now or face legal action, and respond immediately to avoid further consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/XXXX ) I checked credit report ( Transunion ) in order to make the preparations needed to buy a house. One of the hard enqiries is from a company called National credit card/Airlines : dated : XX/XX/XXXX. Transunion just gave me a run around to contact another company. I don't know why this National credit card/Airlines is on there and I don't know what it is, but I didn't apply for anything with National credit card/Airlines. I'm trying to fix my credit so I don't need hard inquiries I have nothing to do with on my report.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 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 later 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 immiediatly.

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 subjection ( c ) any consumer reporting agency may furnish a consumer report under 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. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting XXXX late payments in the payment history on my credit report however it reading XXXX late payments on the same account. This is inconsistent and a violation of the FCRA on my behalf to report false inaccurate information.Ive attached a screenshot below for reference.
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX : I purchased and took ownership of a XXXX XXXX XXXX XXXX  from the XXXX XXXX XXXX XXXX located in XXXX TX on XX/XX/XXXX. VIN # XXXX Stock # XXXX Unit # XXXX. 
I returned the vehicle for a refund on XX/XX/XXXX. 
The dealership returned my down payment as a check and sent Bank of America payment to clear the loan. ****** email communication from XXXX Mr XXXX, I received a note regarding your contact with our executive customer service. Glad to hear that you have received your down payment refund. I have researched the refund to Bank of America. The refund in the amount of {$15000.00} was mailed on XX/XX/XXXX and received by BofA on XX/XX/XXXX. Heres the XXXX  tracking # XXXX. I dont have visibility on how quickly Bank Of America will apply these funds to your loan but normally it should be applied within 3 business days. end of email **** I have attempted to call Bank of America multiple times in regards to the flat cancel of the loan. 
Account number : XXXX I was told by Bank of America on XX/XX/XXXX that the dealership is responsible for communicating the flat cancel of the loan and they did not do their part. 
I explained that the dealership sent a payment of {$15000.00} it was mailed on XX/XX/XXXX and received by BofA on XX/XX/XXXX. XXXX  tracking # XXXX checks out and shows it was signed for. 
The Bank of America representative refused any acknowledgement that a payment was received by Bank of America. He instead repeatedly stated that the dealership did not communicate with BofA and it was my responsibility to work with the dealership in this matter. 
I asked to speak to a supervisor and was only promised a call back. I have been a Bank of America customer for over twenty years and this has been one of the worse banking experiences I have encountered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX reported two new accounts on my credit visible on my transunion credit report based on collections from original creditor of XXXX XXXX  XXXX. I have not had any services or contact with XXXX XXXX XXXX since XXXX. This account is not new nor is it newly delinquent. This is XXXX reporting from the company for both amounts of {$3300.00} and {$1100.00}. Additionally it does no comply with reporting standards, six year statue for Massachusetts nor the 7 year reporting status for credit. I have worked hard to resolve my credit history and to make progress and for a company to behave in a such an unethical way by posting a delinquent account over eight years later as new is despicable.
Product: Debt collection

I contacted Amcol after I had been forgiven for a debt to XXXX XXXX XXXX. I spoke with the rep and asked had they been contacted by XXXX to remove these debts from credit report. Was instructed to send in the letter stating that the debt had been forgiven with the financial assistance. On XX/XX/XXXX I faxed the letter waited 24 hour called back. Amcol staff confirmed they received the letter and instructed they would send the debt back to XXXX for confirmation and to wait one week for a response. I called back XX/XX/XXXX and a rep instructed me that XXXX had indeed given 100 % financial assistance but that did n't apply to my patient portion of the bill. I again called XXXX to be sure that all my accounts had been forgiven and there no accounts still owed. XXXX XXXX XXXX of XXXX again assured me I owed them 0.0. I again contacted Amcol spoke with XXXX who gave me the dates ( XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX ) and a total owing over {$4000.00}. I again told him these dates were covered under the financial assistance. I have since faxed them again my account summary with dates and details showing the {$0.00} balance. Amcol position has not changed and still attempting to collect this debt and continues to report this debt to all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I wont a letter simply saying in XXXX, say 15 U.S. Code 1692c - Communication in connection with debt collection states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Vehicle loan or lease

they sent me a letter in the mail saying i was preapproved for a car at XXXX XXXX and when i tried to get a vehicle they did not want to finance the vehicle.
Product: Credit card or prepaid card

I received a bad mark on my credit report from Barclays which caused my score to drop over 100 points. I was never notified of a late payment or received a credit card statement. I have my credit cards on automatic payment from my bank account so I would never have a late payment. I called Barclays and was told that they had no record of a delinquent account with me. Five days later I received a letter from Barclays saying my account was being closed because it was 90 days late for payment. I called the number on the letter and was told they dont have a record of this letter or of a delinquent account. I was told they would create a case # and I would receive a callback in 10 days.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the XXXX XXXX XXXX, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.