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

Tranunion is reporting inaccurate on my XXXX payment XX/XX/2022 2022
Product: Debt collection

we received a letter stating we had to pay {$1500.00} for an eletcric bill from a place in Michigan but we live in XXXX Pa I phoned Harris & Harris debt collector, where we got the letter from. 
They told me it was a false collection. 
I phoned the XXXX XXXX XXXX and they told me how to fill out the fraud papers. 
We received the letter XX/XX/XXXX. 
The debt was from a place XXXX XXXX XXXX Michigan XXXX It was for electric from XX/XX/XXXX to XX/XX/XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

There is an inaccurate fraudulent account appearing on my credit report and I want it removed immediately! It does not belong to me! I wrote XXXX XXXX Experian and the company listed below demanding that they provide me with proof of the original contract that contain my signature, per the fcra section 609. And although I made this request more than 30 days ago, I still have not received any relief! According to the fcra, 15 USC 1681, it is the credit bureaus and the data furniture 's grave responsibility to ensure maximum possible accuracy! Also see the attached identity theft report. I repeat : XXXX XXXX and Experian have not provided me with poof of the original contract per the fcra section 609, as you can see under adverse accounts on my attached credit reports! FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TEXAS XXXX ACCOUNT # XXXX DATE OPENED XXXX XXXX,2021 BALANCE {$0.00}
Product: Credit reporting or other personal consumer reports

i have requested inaccurate information to be deleted from my credit report and all 3 bureaus comes back verified without doing a reasonable re-investigation per 15 usc 1681i6b3 and i have attached documents below for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has refused to correct entries in my TransUnion credit report incorrectly reporting that my XXXX XXXX  XXXX ( Account Number beginning XXXX XXXX XXXX XXXX is an Adverse Account, with a Maximum Delinquency of 30 days in XX/XX/XXXX. I had no such delinquency. I sent a fax and two letters, with documentary proof ( account statements ), asking XXXX to correct my TransUnion report. The fax was sent on XX/XX/XXXX. The first of my two letters was sent on XX/XX/XXXX ; the second, a follow up letter requested by XXXX, was sent on XX/XX/XXXX. XXXX ignored my documentation, which clearly shows I had no delinquency in XX/XX/XXXX because nothing was due on my account for that month ( or for any preceding month from XX/XX/XXXX onward ). XXXX stated in its final letter to me, dated XX/XX/XXXX, that the information in [ my ] credit report is correct. 

Copies of monthly statements for my account, from XXXX back to XX/XX/XXXX, included in my XX/XX/XXXX letter to XXXX, fully demonstrate XXXX error. Each statement shows a XXXX-balance requiring no payment. Because no payment was due, there was never a delinquency. I have attached to this complaint copies of all my correspondence with XXXX, including copies of the relevant account statements. The account statements were marked Appendix A-1 through Appendix A-4 to my AFFIDAVIT SUPPORTING MY REQUEST TO CORRECT ERROR IN TRANSUNION REPORT, sworn to XX/XX/XXXX, which was enclosed in my XX/XX/XXXX letter to XXXX. 

I respectfully request the incorrect entries in my TransUnion report be corrected to show I have no delinquency for the account in question. My perfect credit payment history will thus be restored.
Product: Debt collection

I receive 2-3 calls per day at my employer from Portfolio Recovery. Ive repeatedly mentioned this is my work and to cease calls at my employers number. If I block a number, the next day Portfolio will continue to call using another Portfolio Recovery phone number.
Product: Vehicle loan or lease

I have been paying various fees on my accounts. Listed as other fees. My balance does not seem to be going down. I tried to address this multiple times with the loan company and they told me to go ahead and file a complaint. They offered no explanation
Product: Credit card or prepaid card

I have numerous disputes with usaa. I have 2 cards the biggest issue is with a XXXX charge. The original hold was for around {$180.00} in XXXX. They then allowed me to be charged 2600+ to my card with a limit of XXXX. Im now in the hole {$4500.00}. This is on 2 cards each with only {$1000.00} credit limit. As you can imagine this tanked my scores. Ive been trying to get them to dispute this XXXX charge and several others for months now. I can not get them to help me. I thought I was supposed to have some sort of protection as a user of credit cards. Usaa has taken every dispute and credit my account temporarily and then charged it back. The XXXX  charge should be the original hold no higher. The other charges I disputed were some fraudulent and some bad goods or services. Please get them to follow the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/21 I was sent to collections by XXXX  which was for and account that was not mine They refused to do anything about it or give me any information other than the address for the account that I did not open and I had never lived at that address. 

Once in collections, I disputed the debt through each of the XXXX credit bureaus and the debt was removed from my credit report until recently. 

On my XXXX report the debt has shown up again. I have disputed it both times and they say that the account is mine. They even added the address of the XXXX  account to my credit report. 

If the debt wasn't proven to be mine during the first round of disputes, why would it stay on my report now and why is XXXX the only bureau it is able to get onto?
Product: Checking or savings account

I opened an account with Chase and deposited Cash {$1600.00} into it. They closed the account saying that I hadn't provided some information, by sending me a letter. I was given a number to call to provide said information. The number says that I have a 15 min wait time, and then puts me on hold for an hour without an expectation of how long I have to wait. I'm calling regularly until I have to hang up after more than an hour on hold. They basically stole my {$1600.00}. 

I have no number or email that I can try to get an answer from them
Product: Debt collection

DSNB/Macys is reporting a debt that is not mine. It is a fraudulent account opened by someone else using my information without my consent. I have requested information on numerous occasions and nothing has been furnished to me although they continue to " verify '' the account.
Product: Prepaid card

My personal identifiable information was compromised in the XXXX and XXXX data breach. I have no knowledge of this XXXX account and want this erroneous information deleted from my XXXX credit report.
Product: Credit card

Synchrony lowered my spending limit by XXXX XXXX  USD due to incorrect information on the credit reports. This information has been updated but Synchrony will not raise the credit limit again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance is reporting missed payment every month even thought it has a 0 monthly payment on a XXXX credit bureaus I tried to dispute with XXXX but they said it was correct I don't think they investigated it at all
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XXXX of XXXX  and found that I had been a victim of Identity Theft. I found a XXXX Credit Card with a balance of nearly {$2000.00} which did not belong to me. I filed a FTC report and police report, I sent these and contacted XXXX Bank but have not had any communication or resolve the issue in more than a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding FRAUDULENT Account information that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing ownership of this account, and demanding the immediate removal of the account, as well as the production of documentation such as transactional history, billing statements, and I have provided a copy of my FTC report and Police Report as I was the robbed and my identifying documents were stolen. My identity has been compromised any this account was opened fraudulently. The creditor has failed to respond to my request. 
Despite my efforts, the fraudlent account remains on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans
Product: Debt collection

Capital One/XXXX debt was sold to a 3rd party with my information that I did not approve of no acknowledment of debt. Please remove from my credit report immediately.
Product: Checking or savings account

I was just scammed out of {$520.00} via XXXX. I got a fraud alert on XX/XX/XXXX saying that someone was trying to XXXX themselves XXXX out of my account and to press yea or no if it was me. When i hit no i then received a message saying i would receive a call from the fraud department. I got the call and they walked me through what i had to do to stop this fraudulent XXXX from going through and ultimately they had me send them the money that was in my account. I called chase and reported it immediately and they said that it was nothing they could do.
Product: Debt collection

I've sent XXXX letters to XXXX ( National Credit Systems ) to verify a debt they are reporting on my credit. All XXXX credit bureaus were reporting different balances and I did not recall having this alleged balance they noted. The company sent me a letter on XX/XX/2020 stating the balance owed was {$5000.00}. They also sent a balance sheet. which didn't align to this. Then on XX/XX/2020 they sent a letter stating the balance was {$4600.00}. Both amounts did not align to the balance sheet. They could not provide a correct amount while at the same time verifying inaccurate balances with the credit bureaus ( at least that is what the bureaus said when they said they verified the debt ). Why would this company send me XXXX different letters with XXXX different amounts and also include a balance sheet that does not line up to the amounts in these letters. Is this fraud? Can they do this? I feel my rights are being violated here. 
I also asked them to provide me proof of this debt including that they have a right to collect and the appropriate licenses in my state. I also never received notice from them when they took this account over so that I could dispute it initially. So many rights have been violated here.
Product: Mortgage

Mortgage Servicing Company refusing to initiate loss mitigation options, never sent modification forms out as stated in the beginning stages of notifying the lender of a financial hardship. My last payment posted to the account was XXXX XXXX, 2015. I have equity in my home and now have no options but to loss my home and equity per FHA, XXXX XXXX and NationStar. My Realtor contacted NationStar and was told the system would n't allow them to open loss mitigation options. Even when there was plenty of time to consider options.
Product: Credit reporting or other personal consumer reports

The entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature. Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by XXXX XXXX XXXX XXXX. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter.
Product: Student loan

Good afternoon, I'm contacting you in reference to my Nelnet, Nelnet has  been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by Nelnet My credit rating score was above 730. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as Nelnet is doing illegal collecting and reporting practices.
Product: Money transfer, virtual currency, or money service

I was scammed on XXXX XXXX on XX/XX/2022. I was trying to purchase XXXX XXXX Tickets and I transferred the money through Paypal and he deleted his account right after. This is his phone number XXXX. His Paypal email is XXXX and XXXX name is XXXX XXXX XXXX.
Product: Credit card

Not a complaint its a plea for loyalty for loyalty. I have been with XXXX for almost 30 years. i have a charge i made that is a JOINT bill and i have to take someone to court to get it paid and me paid. I have paid what i can. i am asking for the interest to be WAIVED for 3 months until i can get the money based on my good record. I know as of the writing of this no interest has been assessed but it will be shortly. PLEASE consider this based on my excellent record and excellent long term payment history with Citi. Card ends in XXXX Just 3 months. I have written in to Exec customer service with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; U S DEPT OF EDXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXBalance : {$840.00} ; US DEPARTMENT OF EDU XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXXC XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUSADMIN XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Vehicle loan or lease

I have been in contact with Ally trying to get an explanation to my pay off balance of {$16.00}, XXXX as of XX/XX/XXXX. I purchased the car XX/XX/XXXX at {$17000.00} with 18.59 %. I had paid almost {$12000.00} and they applied 99 % of my hard earned money to the finance charges and 1 % to the principal. How is this possible and legal for a bank to do this. I have never had a car loan from a bank that does this and I've had several car loans. Please note that the pandemic caused shutdown for months and I was out of work from 2 of my jobs and I still was able to make payments even if it was the full amount.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Capitol One, I am writing to address a concerning matter regarding an inquiry reported by Capitol One, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation.

Firstly, I require documentation proving that I provided express written consent for Capitol One to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal.

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Capitol One to remove this inquiry from my file within four business days.

Furthermore, it has come to my attention that Capitol One neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Capitol One. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account. 

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX Balance : {$63.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete hard inquiries listed. 
XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$19000.00}, {$17000.00}, {$8000.00}, {$52000.00}, {$0.00}, {$11000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$52000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

On Friday, XXXX I tried to use my Amazon Store Card with Synchrony Bank, and it was declined. Shocked as I have excellent credit I called Saturday, XXXX and was told the credit card was closed. From there every single one of my credit cards with Synchrony Bank were closed. When I spoke to the customer service representative I was told I was " high risk ''. I have perfect credit, I've never been late on a payment and do not have high utilization. Each representative I spoke to for each card would not help me and told me to reapply. This is going to drastically affect my credit score taking away close to {$30000.00} of open credit. I have worked many years to get my credit where it is, and can not understand why this company would do this. Just last month they gave me a credit limit increase on my Lowe 's card by {$3000.00} and another limit increase on my Amazon card by {$2000.00} and closed them a month later. If I was high risk why increase my credit limit? What a terrible time to do this at XXXX not that anytime is good. I have been reading horrible reviews about Synchrony Bank.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed Transunion a letter saying that my online information showing on their website was incorrect. My name was showing XXXX XXXX XXXX XXXX XXXX as well as someone else 's date of birth, and current address. I explained that most of the information shown on the credit report was NOT mine. I tried to go online and submit a dispute, but there were so many things to dispute, that the system would not allow me to finish. Now when I go online, it tells me " must call to dispute items. '' When Transunion mailed me an updated credit report after receiving my letter, they now have my social security number incorrect. In addition to correcting my social security number, I would like to have the XXXX XXXX information on my report removed, because they do not belong to me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which resulted in fraudulent accounts being opened in my name after my wallet, containing my ID and Social Security card, was stolen. Additionally, my personal information was compromised due to the XXXX and Equifax data breaches, which likely contributed to the fraudulent activity. As a result, the following fraudulent accounts were reported on my credit file : XXXX XXXX XXXX Credit Bureau XXXX ( Account # : XXXX ) XXXX XXXX  XXXX  ( Account # : XXXX ) I have provided an FTC Identity Theft Report and a police report verifying the fraud. Despite submitting a dispute to the credit bureaus under FCRA Section 605B ( 15 U.S. Code 1681c-2 ), these accounts have not been blocked from my credit file within the required XXXX-day period.