23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hi I tried to close my XXXX XXXX card in XXXX. Unfortunately due to a 'technical error ' that XXXX XXXX to ( please see attachment ) the account remained open. 
Over time, there was charge put on the card which I did not know about as I thought the card was closed as they confirmed. 
I never paid off the charge and the multiple late fees piled up and negatively impacted by credit score some XXXX points.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I received my first statement from Capital One XXXX the day before they called me last week. The due date was XXXX XXXX, 2016. They made me pay XXXX because they said it was late. The due date was XXXX XXXX 2016. They were late mailing the statement out then. I paid the XXXX late fee but if I do n't receive a statement then how do I know it is late then? I can not read their minds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I donot recall doing business or applying for accounts with the following : -XXXX XXXX XXXX # XXXX -XXXX  # XXXX* -SEQUIUM ASSET SOLUTIONS INC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I submitted multiple letters on some unauthorized inquiries on my report. I did my due diligence on everything and contacted the companies. Please find attached a FTC report I submitted for these unknown inquiries.
Product: Checking or savings account

My name is XXXX XXXX I been with Welfargo for over 4 years and realize I have several charge over XXXX charge on XXXX from XXXX $ and a charge for XXXX for XXXX $ I dont made those charge I have contact well fargo and transaction made online as well on XXXX which I dont have XXXX i have done a police report on my debit card over $ XXXXand welfargo denied my claim Today they sent me a letter denying my claim, telling me that they believe the transaction was made by me or someone authorized by me. I have my police report and the bank told me to contacted XXXX I contacted XXXX nothing been done I believe they have to reopen the claim I dont have any XXXX I want the bank to give me my {$6200.00} thats a lot of money to loose please I want my money I went to the bank nothing done this is not fair I been saving my money to paid for college I would like they escalated the dispute and give me my money back
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Mortgage

We accepted an offer on our home with a buyer pre-approved by Chase mortgage. Chase delayed and delayed the closing several times saying that they needed additional information, that the loan was in for review and needed more time. Several times we were told that they would have the documents ready for the buyers to close on a specific date and they failed to follow through. We pushed our closing on our new home 3 times and had to extend our rate lock three times all based on lies from them that the loan would be approved, yet in the end it was n't because they did n't perform their most basic of due diligence on their loan. They eventually denied the loan because they could not verify our buyers income, one of the very first things they should have verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan with my bank in XX/XX/2021. My bank pulled my credit an told me my score was XXXX. It was pulled from Experian. I pulled my credit report the same day and showed a score of XXXX. There is some type of fraud going on if the banking industry and consumers received different scores. 

Experian sales a service for credit monitoring. It's fraud when their service to consumers does not show the correct or different information to lenders. This is the entire purpose of credit monitoring, to insure accuracy.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX has not done a proper investigation, according to the FCRA 15 U.S. Code 1681e - Compliance procedures, ( 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. Transunion XXXX XXXX has violated the FCRA 15 US Code 1681e, the right to an accurate credit report. I will be submitting a notice of intent to sue regarding the accounts that Transunion XXXX XXXX maintained under my social security number.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are all reporting my Public Record on a XXXX  XXXX bankruptcy. uscourts.gov states, " Bankruptcy courts do not report or provide information to any consumer credit reporting agencies. '' I have not given any written consent to XXXX, Experian and/or XXXX to report this information on my reports. Nor do any of the credit reporting agencies have any permissible purposes to do so.
Product: Debt collection

I writing because of IQDATA INTERNATIONAL, unfair practices. 
They are charging me interest every month. They have added on over XXXX to the debt The Original contract does not state where interest can be added. 

I want the amount back to the original amount. 
I am on XXXX and making the amount bigger every month is insane Thanks XXXX XXXX
Product: Debt collection

I am writing to dispute the following information that appears on my credit consumer report. I received a notification from my Credit Card Company this morning that a past due payment was sent to a debt collection agency. The payment was originally owed to XXXX ( XXXX ). When I was a customer with XXXX I had automatic monthly payments set up and canceled my subscription after XXXX years. I was under the impression that the remaining balance would be automatically charged to my credit card on file, as it had been for XXXX years. It is not clear to me if XXXX did not attempt to charge my card or if they had difficulties charging my card. I did not receive any notification ( e.g., email, voicemail, text message, etc. ) from XXXX letting me know there was an issue with my account. 

XXXX sent this debt to a debt collection agency ( Southwest Credit ). I was unaware of this until I got a notification from my credit card company letting me that my credit score was impacted. I checked my records and I have only one missed call ( no message was left ) from this agency on XX/XX/2022. I reviewed my cell phone records and do not have any additional calls from this company. Further, I did not receive any other communications from this Southwest Credit ( e.g., email, voicemail, text message, letter in the mail ). Southwest Credit claims they sent a letter in the mail, but I never received any written communication, and they were unable to provide proof of delivery. 

To summarize, I was unaware that this payment was not properly processed when I cancelled my XXXX account. XXXX and Southwest Credit also did not make adequate attempts to contact me to resolve the issue. Since becoming aware of this issue, I made a full payment ( {$51.00} ) directly to XXXX. I would like to dispute the Major Derogatory Status on my credit score. I have tried to resolve this issue with the Debt Collection Agency, who refused to provide help on my case. 

Thank you for your assistance.
Product: Credit card or prepaid card

Throughout the pandemic I made great efforts to make payments my credit cards. Although not always the amount due, I remained in communication with the creditors, waiting for long periods of time on hold. 
After coming into some money, I paid off all of my accounts in full. Before the next cycle could document all of accounts being at XXXX balances, Chase closed my account citing balances proportionately too high compared to available credit. Except for my student loan balance, all of the accounts were at XXXX balances.
Product: Credit card or prepaid card

An automatic charge was made to my Capital One account and the card company did not provide me any notice of the charge. I subsequently accrued late fees, which affected my credit charge. I paid off the late fees, even though I disputed them, but they will not release the rewards that I am owed.
Product: Credit reporting or other personal consumer reports

I pulled my consumer report and saw these unauthorized hard inquiries on my report please delete I did not authorize these inquiries
Product: Bank account or service

I had charges from XXXX in my bank statement from XXXX/XXXX/XXXX monthly thru XXXX/XXXX/XXXX the amount initially was {$12000.00} and the highest charge is {$150.00}. The total charges were {$1300.00}. I contacted the Bank and they contested the charges. The Bank representative indicated XXXX did not dispute the charges and credited back {$410.00} based on the 60 day liability but they recovered a bit more. The debit card in question had the XXXX charges and XXXX other charge for it 's life. I have never had insurance with XXXX. XXXX identified the account in question with the bank card number. XXXX would not assist me for confidentiality reasons even though the representative could see that the account was issued to another person. 

What are my options to have address fraudulent activity when the Bank and XXXX say have done all that they can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX {$19000.00} XXXX XXXX XXXX {$4300.00} XXXX  XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$500.00} XXXXXXXX XXXX XXXX XXXXXXXX {$8100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$5800.00} XXXXXXXX XXXX XXXX XXXXXXXX {$12000.00} XXXX XXXX XXXX {$71000.00} XXXX XXXX XXXXXXXX {$37000.00} XXXX XXXX XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$21000.00}
Product: Student loan

On XX/XX/XXXX I began to attend XXXX XXXX XXXX XXXX and a loan was opened through a student loan company called XXXX XXXX. I decided to drop out of school because XXXX XXXX XXXX XXXX was a terrible school where students were not taught anything, there were several fights between the students, and students had to learn everything on their own. That school still decided to charge me and my mom separately and we both paid off our debt with XXXX XXXX by XX/XX/XXXX. Until this day, that loan shows up on my credit score as " paid off ''. Since I did not complete the program, I was left with a loan amount of {$1700.00}. That was the agreement between the school and I so I paid it off late, but I eventually paid the amount that was agreed upon. Since then, I have received letters from different collection companies trying to charge me crazy amounts of money that I never agreed to pay. I have been able to report them and they have been removed from my credit because it turns out they are scammers. Today, however, I received a letter in the mail from a company called " Convergent '' charging me {$9400.00} from the Original Creditor : XXXX XXXX XXXX XXXX I have never heard of this company before, I called and they didn't answer, and the first letter I received was a " Reduced Balance Opportunity '' letter when I have proof that I have paid my loan with XXXX, and I have also never heard from that company before. My agreement was with XXXX, and XXXX XXXX. After receiving this letter, I am convinced that XXXX XXXX XXXX XXXX was a school involved in fraud, and they are the ones who gave or are giving my information to other companies. There was never an agreement for {$9400.00}. I am filing this complaint because I need help and I hope that XXXX doesn't try to to this to other students who once paid off their loans. I hope I can do something about this and that I can stop receiving letters from different companies who are clearly scammers.
Product: Credit card or prepaid card

I submitted a claim on my purchase because it was seized due to the seller selling counterfeit items. I called and sent information to PayPal since its covered under the buyers protection program but they closed my case based on false information when the previous transaction was filed in my favor. They dont listen and provided incongruent information. They lied on my case. Based on this I believe they are a company no one should use. I will no longer be using them for any transactions for items I buy in the future. This has caused so much stress I ended up in the hospital.
Product: Credit reporting

I am a victim of identity theft and I have unauthorized and fraudulent inquiries listed on my Experian credit report. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, XX/XX/2022, the account balance is zero and has been paid in full as for the rest of my over 35 current active credit card accounts. However, XXXX XXXXXXXX purposely provided to Equifax and XXXX fraudulent payment history information earlier today on XX/XX/2022, which caused my perfect credit scores to drop about XXXX points causing both financial and emotional harm and damages as a result of its illegal reporting to the national credit bureaus in violation of both FCBA and FCRA including the stipulations of 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ) and 1666e. 

See attached XXXX XXXX bank statement. 

The reported errors to all credit bureaus and creditors must be IMMEDIATELY CORRECTED AND REMOVED!!
Product: Debt collection

I had a Retail Account with XXXX  for XXXX XXXX equipment to finance the purchase. I paid this account on time every month until the account was paid in full in XXXX. A month after I had paid in full on the account I was charged an annual fee of {$79.00} and a Paper Statement Fee of {$2.00} to the closed account. I never received a paper statement on this account as it was paid in full. I received a call in XX/XX/XXXX stating that I was now in collection for this outstanding balance. 

My complaint is that I was charged XXXX fees on an account that was paid in full and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/ Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Someone used my information without my consent & and numerous inquiries are on my credit report the following are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have dealt with problems from the time this company was Ocwen, then renamed to PHH after multiple states filed suit and cease and desist against Ocwen. Now the same scam. I submit the correct paperwork required to obtain a modification, then I receive an email months later stating that I missed my trial payment. 
Problem is I never receive the modification paperwork to proceed or submit payment to begin with. 
I explained this multiple times to the person who is supposed to be the relationship manager. Only to have them either not respond or respond with incorrect information. Then simply state they are sorry for the confusion and there is no option for modification. 
When they are supposed to be helping me and I explained the fact that I never received XXXX  for the modification they said I had in the first place. 
This is the same scam that Ocwen pulled over and over to attempt to avoid me having an option to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, DPT ED/XXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Account number XXXX unverifiable Account
Product: Student loan

They are quick to send you delinquent notices and reminders about payment due. When you make a payment, they are very slow to post to account. While the payment is sitting there ready to process, they are more concerned to send notices out that they have not received a payment and quick to add interest, without looking that there is a payment ready to post. They are oblivious to this!
Product: Credit reporting or other personal consumer reports

I m a victim of the data breach with the bureaus, I need this moved off of my credit I never opened these accts
Product: Debt collection

I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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.