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

When I reviewed my credit report, I discovered that these items were 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 that need to be investigated and deleted 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
Product: Credit reporting or other personal consumer reports

I Have been A Victim Of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting transunion, XXXX, and XXXX by phone and have received no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

XXXX XXXX XXXXXXXX Case or ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX XXXX XXXXXXXXXXXX XXXX  or ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX acct * XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX acct XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX acct * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Al XXXX acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Tx XXXX acct XXXX 15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one have been reporting a card that was not open by me on my report I have removed them all off all other reports except transunion they removed once an than put it back XX/XX/XXXX Completed CAPITAL ONE Reported on XX/XX/XXXX {$1900.00} 79 % of Credit Limit* Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

Dispute Reasons Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data. 
The creditor agreed to remove this account from my file. 
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. 

Mail : XXXX XXXX. XXXX XXXX XXXX, CA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays
Product: Bank account or service

I was in the process of moving and discarded some old starter checks from a closed bank of America account. Someone retrieved the checks a tried to cash a check for {$600.00}. I was never notified by Bank of America they just reported the incident to XXXX as suspected fraud. I am not able to obtain a bank account due to this report. When I contacted Bank of America I was transfered to several all to be put back to the original rep that informed me there was nothing they could do to help me. I offered to pay the charge off amount of {$86.00}, but that request was denied by the rep.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information are being reported to my personal credit file. The 3 Credit Reporting Agency has not complied with the Consumer Right to Privacy and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or correct these items from my credit file. The items are listed in the attached letters for your reference.
Product: Credit card or prepaid card

I have a prepaid debit card called Mango with a total of about {$6300.00}. All account information has been deleted so I can't give exact figures. In early XXXX I requested the account be closed and a check be sent and was told it would take a few weeks.As of XXXX I still don't have a check.They say things like we can't write checks right now, the check is on it's way or wait a few more weeks.
Product: Credit card

XXXX ) A tour from XXXX in XXXX XXXX, XXXX XXXX was requested for Sunday, XX/XX/XXXX and it was cancelled on Wednesday, XX/XX/XXXX. The tour operator 's policy states that cancellations must be made at least XXXX hours in advance to get a refund. 

XXXX ) When we arrived on XXXX XXXX XXXX on Sunday, XX/XX/XXXX, we were informed that the itinerary had changed including XXXX XXXX moving from Sunday, XX/XX/XXXX to Wednesday, XX/XX/XXXX. I reached out to the local tour operator on Sunday, XX/XX/XXXX via e-mail to inquire if anyone was available on Wednesday. I did not get a response on Sunday. I did not get a response on Monday. As a follow up, I sent an e-mail Monday evening to cancel the reservation if they could not confirm XXXX hours in advance. Finally, XXXX XXXX on Tuesday, the tour operator responded and said that the change had been made. By then, we had made alternate plans. 

XXXX ) The tour operator 's policy states that " any changes made less than XXXX hours before the experience 's start time will not be accepted. '' Obviously, notification of the change was less than XXXX hours before the start time.
Product: Mortgage

I contacted PennyMac on XXXX XXXX concerning my over payment on my escrow account for XXXX.I received a response from them dated XXXX XXXX trying to justify not paying the over payment. 
I'm asking you to investigate if PennyMac can legally overcharge me {$2300.00} and not pay me after all the taxes and insurance has been paid. 
I have never been late on a payment and have it set up on a automatic draft. 
Please hold these mortgages companies accountable.
Product: Debt collection

I received a notification from XXXX XXXX XXXX that I have an Eviction mark on my XXXX Consumer Disclosure report. XXXX XXXX, a residential property, accessed my report following a rental application for an apartment I applied to on XX/XX/XXXX. My application was denied due to this false statement of Eviction. 

On XX/XX/XXXX my Attorney XXXX XXXX XXXX ( XXXX ) represented my case of XXXX XXXX XXXX XXXX, XXXX. The judge presiding over the case dismissed the Eviction penalty due to my economic hardship status ( due to XXXX XXXX, XXXX refusal to acknowledge XXXX County rental hardship program ), and therefore I was unable to pay the {$1700.00} balance owed. 

I was demanded by XXXX XXXX, XXXX to vacate the property at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX in XXXX, XXXX. I obliged and I was no longer subject to eviction status. 

Yes, I see two separate records in the amount of {$1700.00} as an outstanding balance from XXXX XXXX, XXXX. 

I would like this formal complaint to be investigated so that this mark on my consumer report can be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. 

Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. 

Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. 

The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. 

XXXX XXXX XXXX XXXX  XXXX XXXX Alliant Credit Union XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX of XXXX. XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was making a purchase at XXXX XXXX XXXX {$15.00} and as I put my payroll debit card ending in XXXX in the device and the register froze. The cashier advised me that the purchase did not go through and to reenter my debit card so I chose to use another card ending in XXXX. Five day later, I noticed a purchase was approved on my debit card ending XXXX, which is my wisely payroll debit card that I used in the beginning. I called wisely to dispute the charges which I did not agree to, and was told that I will receive a form in the mail to dispute, however, a letter was sent to me but no form attached. Wisely payroll has been giving me a lot of problems as far as forms being sent l, disputing the charges, and a hassle not contacting the merchant. On XX/XX/XXXX spoke to manager at XXXX 's and had corporate forward a copy of the charges that were made on XXXX and have no record of any charges on my debit card ending in XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has Violated my Rights. 
15 U.S.C. 1681 Section 602 A States I have The Right to Privacy.

15 U.S.C.1681 Section 604 A Section 2 It Also States a Consumer report agency can not Furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Original complaint : There are XXXX XXXX XXXX XXXX accounts on my credit report that are reporting inaccurate information. XXXX XXXX Credit bureau or XXXX XXXX XXXX is claiming that these accounts were closed in XXXX of XXXX which is incorrect. they had previously claimed they were closed in XXXX of XXXX which is also incorrect. In fact both of these accounts were closed in XXXX of XXXX. Attached are the XXXX bureau credit reports from XXXX of XXXX which clearly state that both of the XXXX XXXX XXXX accounts are closed. This is very deceptive and costly and would like these XXXX accounts removed from my XXXX XXXX credit report. I have disputed this with XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX stated as accurate. XXXX XXXX XXXX never responded. I recently found the credit reports form XXXX to solidify my claim. 
ACCOUNTS WERE UPDATED TO ACCOUNTS CLOSED IN MARCH 0F XXXX WHICH IS STILL INCORRECT! 
ACCOUNTS WERE CLOSED IN XXXX!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an item on my credit report ( or account/transaction ) under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( o ) concerning negligent noncompliance. 
Upon review of my records, I have found discrepancies which I believe to be in violation of the FCRA. It is my understanding that under 15 U.S.C. 1681 ( o ), any party failing to comply with the requirements set forth by the FCRA may be subject to civil liability due to negligent noncompliance. I request that you investigate this matter promptly and correct the inaccuracies or omissions. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation and respond within the statutory time period. 

Please confirm receipt of this letter and provide a written response detailing the actions you will take to resolve this issue. I look forward to your timely and effective resolution of this matter.
Product: Payday loan, title loan, or personal loan

I did a consumer credit application XX/XX/XXXX for a XXXX XXXX XXXX on XXXX website. Please forward me a copy of my application along with an audit trail of this transaction.
Product: Credit card or prepaid card

I lost my card back in XX/XX/2022. I called the bank immediately and told them that I had all the transaction that were made. They kept telling me that they use my pin and that they could not get my money back. I visited it 2 times and they never told me that the real reason they disputed it was because I did not dispute other transactions that were made at XXXX, XXXX, XXXX  atm and so forth. They were rude and dismissive. Its happening again under another XXXX station and I want them to look at this case over again. Because I gave them all the transaction tthqt were made and were made during over night and out of my ordinary norm. I know it's late but I did not know I had the option to file a complaint against 53 bank debit card I here. I tried and tried but they kept denying me. I even provided a poloce report and they were dismissive. This needs to be looked at. The bank was notified immediately within hours of the unauthorized transactions. The case number is XXXX and their phone number is XXXX XXXX XXXX
Product: Debt collection

Back in XXXX, I have sent Enhanced Recovery Co a letter of validation for 2 accounts that were placed with them, XXXX XXXX XXXX XXXX and XXXX. I have received no communication regarding this.
Product: Debt collection

In XX/XX/XXXX I had a debt for XXXX that was old to a collection agency ( XXXX XXXX XXXX ). I seen it on my credit reports for {$320.00}. They reduced it down {$64.00} and I settled with them and paid {$250.00} XXXX/XXXX/XXXX. They updated my credit reports and showed I paid it leaving a {$0.00} balance. Now XXXX/XXXX/XXXX XXXX illegally reopened that same account selling it to a new collection agency ICSystem saying I owed {$64.00}. I spoke to cox and both collection agencies. XXXX XXXX shows I paid it and sent proof to XXXX who then sent proof to ICSystems XXXX/XXXX/XXXX and I requested it be deleted from all XXXX credit reports and while it was being investigated for it to be put on hold. I also filed a dispute with XXXX earlier that week. ICSystem finally deleted it off of XXXX but illegally reported it again the following day to XXXX and XXXX and has yet to delete it off even though they are aware it was not a debt I owed. I had paid it XXXX/XXXX/XXXX. They also are reporting this debt 3-4 times a month ( once a week ) damaging my score as much as possible. They have refused to delete it off of all XXXX credit reports knowing that it is not a valid debt and after cox has told them to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple accounts from my credit profile. It has been well pass the dates that they should be deleted, but theres been nothing done about this! I am suffering from the impact that this is causing me, and my business. I would like this to be handled in a timely manner so that I am able to continue my credit building for business purposes. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX from someone stating they were from XXXX XXXX XXXX and stated I owed a debt to PayPal. I asked the representative for more information and was told they represented XXXX XXXX XXXX. They then attempted to convince me that they allegedly sent a letter to a residence I haven't lived in since XX/XX/XXXX and that I was in danger of having the debt on my credit report if I didn't pay immediately. I do not owe PayPal. My PayPal balance shows XXXX. I believe this to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon and happy Friday! Listen, i was really shocked and extremely surprised today when i refresh my credit report and noticed that my auto loan from XXXX continues to report incomplete and unverifiable information for the past year or more. Specifically, i noticed that they are reporting an incorrect, erroneous balance of {$16000.00}, where my correct and legal balance is {$15000.00}. Also, i noticed that they market me late on XXXX and XXXX of 2019 for 30 days, however, i had signed an agreement that those months were deferred and put on the back of the loan and make the terms longer. There are so many incorrect and inconsistencies with the way this auto loan is reporting and it's a violation towards my consumer right and i honestly don't want to waste anyone 's time going back and forth. I would rather either this account made current removing all the late remarks or simply remove this entire tradeline from my credit report.
Product: Credit card or prepaid card

CITI XXXX SUMMARY OF NIGHTMARE ( XXXX - Current ) Summary : Issue involves Balance Transfers made on XX/XX/XXXX. Because of an error with Auto Pay, the Balance Transfers were paid in full XX/XX/XXXX. On the same date, a stop payment was posted for the full amount. When Balance Transfers were reposted to account, they were erroneously added as a Purchase Balance.

Subsequent Minimum Payments were incorrectly calculated ( {$1500.00} ) and monthly Finance Charges incurred ( {$1000.00} ).

After five documented attempts to resolve, only one correction was made for one of the multiple errors on XX/XX/XXXX. Otherwise, these issues have not yet been addressed or resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agency is reporting inaccurate information on my credit report and did not properly answer or correct the inaccurate information nor did I receive an alert of accounts being reinvestigation into this matter.Under 15 USC section 1681 i ( a ) if your company can not provide proof of these being accurate with no missing information these accounts should be deleted immediately! These Accounts are not in compliance to XXXX XXXX standards.Accounts are as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2018, I called Experian to dispute over 20 addresses that are incorrectly reporting on my file as well as remove the credit freeze and fraud alert from my report as it was hindering creditors from pulling my report. I was hung up on twice and cold transferred twice. The website dispute does not work at all. I explained to all four representatives about these addresses. I was cold transferred by one agent to another stating she could not help with disputing the addresses all at once. The phone hung up as soon as she attempted to transfer me. I called back and a male told me that the previous rep had lied to me about not being to dispute the addresses. When I asked for his name to add to my case notes, he released the line in my ear.

All of their calls are recorded. Every call. I phone from XXXX. Screenshots of the calls are attached.
Product: Credit card or prepaid card

I received two letters on XXXX, which were both sent on XXXX, one of which said they were temporarily blocking the account because of recent activity, and the other stated that they received my updated address. I phoned the company today, and let them know that wasn't my account, and I did not apply for it or use it, and that they should close it. I would not give them full social security information, nor my date of birth, since there were three different phone numbers on the letters, which I thought was odd. Please help me get this Milestone Mastercard account closed. The account ending was XXXX and it showed to have a balance of {$300.00} on it at the date of the letter. 

I sent a letter on XX/XX/23, along with the Dispute letter to the Company, FTC Identity Theft Report, proof of identity, and Notice XXXX XXXX XXXX XXXX, and got a letter on XX/XX/23 telling me to send information again, so I sent a follow-up on XX/XX/23 by fax with the Dispute follow up letter to the Company, FTC Identity XXXX Report, proof of identity, and Notice to XXXX XXXX XXXX XXXX 

I have frozen my accounts at the three major credit bureaus again, and have found that the company that has that credit card, Genesis FS Card Services, has put it on my XXXX credit report with a balance of {$0.00}, but I do not want it on any of my reports since it is not mine!
Product: Credit reporting or other personal consumer reports

I contacted the child support agency XX/XX/year> about child support being reported as late payments. As I am current and not late. They told me that they do not report child support to the credit agency at all and should not be on my credit report. they stated as of a year ago the agency stop reporting to credit bureaus. so not only is the credit bureaus reporting false information the information they are reporting did not come from the child support agency. I would like child support removed from Experian, transunion and equifax immediately.