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

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. NEED THIS REMOVED FROM MY PROFILE ASAP. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a vehicle loan on my credit report. The account is currently reported as Paid in Full, but it also reflects a prior status of Charged Off. This dual status is misleading and negatively impacts my creditworthiness. 



The account was fully resolved and paid in full, and the Charged Off status should no longer apply. I request that this outdated and inaccurate status be removed to ensure accurate reporting in compliance with the Fair Credit Reporting Act ( FCRA ).

Attached, I have included supporting documentation, such as : 1. Payment receipts or confirmation of the account being paid in full. 

2. Copies of my credit report showing the inaccurate reporting. 



I request that this matter be investigated and corrected as soon as possible. Please confirm receipt of this dispute and provide updates on the resolution process. 



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

On XXXX I reached out to Transunion, XXXX, and XXXX and talked to XXXX at Transunion, XXXX at XXXX, and XXXX at XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The accounts that they are reporting are showing inaccuracies and inconsistencies and they are obviously reporting this illegally. Please help me delete these from my Credit Report.
Product: Credit card

I called best buy credit card issued by citi to have payments made go towards a promotional balance that is set to expire XX/XX/scrub>XX/XX/2024. This request was made after my past promotional balances were paid off. The person I spoke to at their allocation department removed half of what is owed to that XX/XX/XXXX promotional balance and placed it on my account as a main balance causing me to get charged interest fees, which is not what I requested. I have called countless times to get their mistake fixed and i keep getting told that it will be resolved and nothing has been done. I have been dealing with this issue since XXXX of 2024. In total I have spoke to about 7 people who all have said that my account will be fixed. I continue to get charged interest for an incorrect balance. My deferred interest is also the same amount as it was before half the balance was moved over to my main balance. I have complained to citi ( Best Buy ) about these issues and nothing is being done. I am not sure what to do
Product: Money transfer, virtual currency, or money service

XX/XX/2022 around XXXX pm XXXX time I receive a text message some one try to use my card if i want to us my card l need to verify those transactions and my answer no i didn't authorize those so and then i receive a call from the number XXXX and answer this call was a male person he told me he call from server amex which is my card bank so he asking a lot question about my account end XXXX so after the conversation i did not was a fraudulent call so i was give my information social security driver license and password from my account email address and he say was cancelled my card and sending a new card but a never receive so Thursday morning l have another text message if i doing transfer for XXXX from my account to pick up in XXXX so i say no is no me so after couple minutes when i check my account i note less money so i try to call the bank o card services and my account was block and no money after when i call several times l call fraud department and they give me all the details about the Person pick up the money and transaction number is the Person name is XXXX XXXX transaction # XXXX and XXXX store number is XXXX XXXX XXXX XXXX XXXX XXXX Florida so this person is a robber identity theft he or she use my card fraudulent please help me to find this person to search and sending to jail for scam and fraudulent person and then i call the company Amex server for my money back and then they tell me that dispute was denied because l was authorize this transaction and case number # XXXX i have with me a evidence that l did not authorize this transaction text message from the company server they asking me if i approved and l was response no but they pay authorize the transaction l don't feel safe anymore money in this institution
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XX/XX/2022.
Product: Credit card or prepaid card

My mother has a very bad XXXX addiction that ruined my life also she is a very good liar. She opened my mail and used my new credit card without my permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT HAS BEEN INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING : XXXX CREDIT CARD FROM XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY.

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY.

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : XXXX. DELETION OF THE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit was exposed by the data based and been used to cause inquiries and other things on my credit I submitted an ftc report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, and XXXX loans to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged delinquent account.
Product: Prepaid card

I was given an Amex gift card for {$1000.00} through XXXX XXXX XXXXXXXX XXXX. I can not use this prepaid card anywhere. I try to buy groceries, gas, clothes, leisure activities and it declines at every place I go. I want my money pulled out of this useless card and mailed a check. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Account appeared on credit file and I'm not the owner. Original creditor will not reply to my request to provide proof of debt.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with PHNX FINAN plus they did not provide me with the original application like I asked. 
Account XXXX : XXXX Amount Disputed : {$1600.00}
Product: Credit reporting or other personal consumer reports

Credit Reports for collection of delinquent child support, judgments, fines and liens XXXX no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). XXXX These cases note that certain definitions were added to the FCRA as part of the XXXX amendments ( XXXX XXXX ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the XXXX XXXX. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 
If you use TransUnion consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. 
TransUnion will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with TransUnion and this new interpretation of the law. This means that you XXXX obtain TransUnion reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. 
As an example, for XXXX of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
XXXX XXXX XXXX XXXX XXXX Trans Union LLC, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/XXXX ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/XXXX ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing because I am very concerned about some discrepancies between the credit report entries regarding the account from XXXX ( Account Number : XXXX ), which is reported on both my XXXX and Experian credit reports. The conflicting information provided by these bureaus constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Below is a summary of the discrepancies I have identified between the reports from XXXX and Experian : XXXX Report : Account Balance : {$11000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Dispute Status : Account information disputed by consumer, meets FCRA requirements Account Description : Collection/Chargeoff Payment Status : None Reported Creditor Name : XXXX XXXX XXXX XXXX Experian Report : Account Balance : {$11000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Closed Dispute Status : Customer disputed account reported by subscriber Account Description : Collection/Chargeoff Payment Status : None Reported Creditor Name : XXXX XXXX XXXX As shown , the information reported by XXXX and Experian differs in the date opened, account status, and the creditor name associated with this account. Specifically, XXXX lists the account as open with an opening date of XX/XX/XXXX, whereas Experian indicates it is closed with a XX/XX/XXXX opening date. Additionally, the creditor names provided on each report differ : XXXX lists it as " XXXX XXXX XXXX XXXX, '' while Experian reports it as " XXXX XXXX XXXX. '' These discrepancies are concerning, as they negatively affect the accuracy of my credit report and, as a result, my credit score. Under the FCRA, I am entitled to an accurate and complete credit report, and I request that you conduct a thorough investigation into this matter. This is a violation of my rights as this information isn't fair, complete, or accurate.
Product: Credit reporting

At the beginning of  XXXX  I started receiving letter from  Midlabd  funding saying I owe money on my   XXXX   XXXX   account from  XXXX  ( which I closed and paid on  XXXX  ) I called them after they kept sending me the same offer Over again.  Midland  funding sent me a letter recently saying that my case was close and account was closed I did n't not owe anything. They said   XXXX   XXXX   sold this account to them and after the disputed it showed I did n't owe anything. But I see it was reported to my credit report. How can I get that removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate late payments for account XXXX XXXX XXXX XXXX. I have tried to get the late payments removed far too long and I do not think an investigation was done because the creditor informed me that Experian has not reached out for any information. Please see the attached dispute letter that was mailed to the credit reporting agencies on XX/XX/23 which is dated, and time stamped. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n if the incorrect late payments are not removed from my account.
Product: Consumer Loan

At XXXX a year and very little bills, not understanding denial reason of excessive obligations in relation to income. Typical reason reserved for minorities.
Product: Credit reporting or other personal consumer reports

I received XXXX XXXX report consumer ID XXXX. XXXX on there not mine banks I never had accounts with. Email addresses and phone numbers not mine. I was a victim of fraud and waiting for police to send me a copy of the report. XXXX XXXX XXXX  send me an email and said my social security number is on the dark web. I never had a bank account with XXXX  XXXX XXXX or Fifth third bank or XXXX XXXX. Please advise. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided with and may possibly be relatives addresses. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX Also, these phone numbers that aren't mine and should be deleted from each credit reporting agency. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on XXXX/XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX/XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

I applied and received two credit cards from Orchard Bank ( Now Capital One ) on XX/XX/XXXX. I then choose to close the credit card account on XX/XX/XXXX of XXXX which I have documentation of this. My last payment that there showing is XXXX of XXXX. XXXX XXXX XXXX apparently purchased the debt that was owed on XX/XX/XXXX XXXX. My understanding of the Statue of limitations would had this debt Time barred by this point. I disputed this through all three credit reporting agencies with no success. XXXX XXXX XXXX is still reporting this Debt and is damaging my credit. I need to have this resolved as I have tried repeatedly. I would greatly appreciate your help. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported late payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 1666b 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 XXXX b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Checking or savings account

On XX/XX/XXXX, the day before my paycheck was direct deposited, I received notice that an overdraft protection of {$300.00} was being transferred from my Regions savings to my checking account to protect me from being overdrawn. I knew I had a few XXXX dollars in the account and was not overdrawn. I looked immediately and noted two ATM charges ( first for {$100.00} and second for {$300.00} that had been posted the same exact day on my statement at two different banks -- listed at BRANCH BANKING XXXX # XXXX and XXXX XXXX XXXX ). 

I called the Regions line and spoke to a rep on XX/XX/XXXX. I still had my card and no one had authorized use of it. I was told by the rep that someone had likely cloned it and taped me using my PIN. I completed everything that was asked of me over the phone and completed the paperwork sent to me the next day. 

After ten days, I received notice that Regions was not crediting me back the money because I was still in possession of my card and no police report of stolen card had not been filed. I had been told by the rep Regions would handle the matter. I was not asked to report the card information stolen. I followed the instructions given to me by Regions and was told they would handle the matter. 

This is insane. I did not use my card. I have not even been to XXXX in months. I was at work from XXXX until XXXX XXXX on XX/XX/XXXX. I reported the card issue immediately. In addition, I had already placed a 90 day watch on my account due to several data breaches that had been reported. 

I watch my accounts. I am diligent about protecting my information. I have had this account for over 15 years. This has never happened and I do not feel I am being treated fairly or that the bank did due diligence in investigating the matter. Every bank has ATM cameras. They know when the transaction was made. It should be time stamped on the video. I was a victim of fraud and now I feel like the bank ripping off a long time customer just because they can. I would like to know what my options are and would appreciate any assistance you can provide. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

On or around the XX/XX/XXXX I opted for the verdraft protection, I have no I dea what I was thinking, Before I opted for the service I had no problems never a overdraft. Well low and behold the XX/XX/XXXX comes around and I have XXXX overdrafts, XXXX transactions was on the XX/XX/XXXX and cleared Another for the first and had cleared, I monitored my statement throughout all my deposits and transactions everything was good. I get the overdrafts the fifth and was told I had a XXXX grace period, well that didnt happen either. So here I am with XXXX overdrafts for XXXX that shouldnt happened in the first place, well they reembursed me for XXXX, and then turn around and put XXXX more on for XXXX each. Crazy I 'm so upset, The money was in there i monitor my account, they have manipulated my transactions to the point trying purposely to confuse and mislead. The XXXX shouldnt be on my statemen t and that caused XXXX more. I want the fees removed
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Equifax. I was the victim of fraud. I have a number of collections listed on my report from over 7 years ago that do not belong to me. I filed a police report and submitted it to Equifax but they are still refusing to remove the fraudulent items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNATHORIZED ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT ACCORDING TO THE FCRA ANY AND ALL UNATHORIZED ITEMS ON MY REPORT MUS BE REMOVED IF NOT 100 % ACCURATE AND VERIFIABLE PLEASE REMOVE ALL FROM MY CREDI T REPORT
Product: Credit reporting

There is a XXXX charge account on my credit file that is not mine. I have never shopped or even been inside a XXXX store. I have never opened or used a XXXX account. I have never even heard of them until this appeared on my credit. For a very long time now, I have tried to get this account removed. Experian sent a letter stating that the creditor states its valid. Just like that and its true. Its not true. I mailed a notarized signed affidavit, copy of my license and social security card, and a copy of a police report to XXXX and still they will not remove this account. I have not other accounts in dispute so I dont even believe its fraud. I think XXXX is at fault here. If it is fraud, then I suggest they find out who did this and pursue them. Its funny I have no other accounts that are not mine on my credit. XXXX will not respond to any corresondence at this time. I want it removed from all credit bureaus.