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

In XXXX I noticed on my credit report that there was an unauthorized inquiry from Capital One for their Cabella 's credit card. I spoke with their credit application fraud department and their representative verified that someone had fraudulently used my social security number, name and birthday with a XXXX, California address in an attempt to obtain credit. The representative stated that she would notify the credit reporting agencies to remove the fraudulent inquiry from my report and it could take up to 30 days. There is a " real name '' fraud alert on my account because of this, however, the fraudulent inquiry is still there.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : JEFFERSON CAPITAL SYSTEMS Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company refuses to remove this account off of my credit report after contacting them and the initial point of contact company XXXX XXXX. I have asked them several times to remove this account from my credit report as one it has a XXXX balance and I have never had any sort of business with them nor signed any contracts with NCC business services and they shouldnt be reporting anything on my credit report.
Product: Checking or savings account

My Illinois unemployment card, issued thru Key Bank, was frozen and I havent been able to use the funds deposited for over 6 months now. I spoke to multiple bank representatives and sent in all of the info that they asked for and have yet to get the account unfrozen, not have I received any correspondence from the bank. They basically locked up my funds and ceased communication.
Product: Credit reporting or other personal consumer reports

In 2018, when I was about to be XXXX, I contacted OMNI to request a deferment for my original loan. I was concerned about my ability to access the internet to pay my bills during this time. They sent me the necessary paperwork, which I promptly completed and returned. I was then informed that my loan would be placed in a deferment status as soon as they received the paperwork. 

However, when I returned, I was informed that my loan was never placed in deferment, and now I owe almost {$6000.00}, including interest and other fees instead of the original {$1200.00}. This has caused a lot of financial turmoil for me, and I am seeking your assistance in resolving this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX  Closed Closed on XXXX  XXXX, XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XXXX  Closed Closed on XX/XX/XXXX submitted the ftc violations 30 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email alert with the subject " Review the potentially negative activity on your credit report '' from my credit card company. I saw the email mentioned " Credit information provided by XXXX ''. Therefore, I went to the XXXX website to check what happened. I signed up at the XXXX website for the first time. 

I found an account that newly showed up on my XXXX credit report that has the Account Name " COLLECTION BUREAU OF AMERICA '' said " Collection account. {$7.00}, XXXX past due as of XX/XX/XXXX. '' with Original creditor " XXXX XXXX XXXX ''. 

I immediately found this account was a complete fraud and absolutely did not belong to me. I looked up " XXXX XXXX XXXX '' and they seem to be a property management company in XXXX XXXX, CA. I have never rented or done any business with them. I have rented the exact same unit at my current apartment complex in XXXX XXXX, CA since XX/XX/XXXX. I never owe " XXXX XXXX XXXX '' any money. 

On XX/XX/XXXX, I called XXXX to dispute this account, explained this shouldn't belong to me, and requested XXXX delete this account from my credit report. 

On XX/XX/XXXX, XXXX emailed that the dispute is completed. I still see the account on my credit report. 

On XX/XX/XXXX, I called XXXX again and explained again that this account shouldn't belong to me, I lived in the same apartment since XX/XX/XXXX. The first representative of the XXXX phone line told me she didn't see a Social Security Number associated with this account. She believed this might be a " mix up '' so she transferred my call to their " Mix Department ''. 
The second representative then told me they confirmed with " COLLECTION BUREAU OF AMERICA '' that the personal information was accurate, so the account was verified. I challenged the representative whether " COLLECTION BUREAU OF AMERICA '' provided my SSN because the first representative told me there was no SSN. The second representative didn't confirm about SSN but kept saying personal information was accurate etc. I requested XXXX to provide proof, he told me I had to contact " COLLECTION BUREAU OF AMERICA ''. At the end of the conversation, XXXX opened another dispute for me. 

On the same day XX/XX/XXXX, I called " COLLECTION BUREAU OF AMERICA '' directly. My call kept getting transferred or hung up, so I spoke to roughly XXXX representatives. None of them could provide any proof that the collection account/debit belongs to me. The information they had ( such as name, date of birth, and address ) did not match my personal information at all. At last XXXX representative said he couldn't do anything because the account was disputed already and hung up. 

On XX/XX/XXXX, XXXX emailed again that the dispute is completed. I still see the account on my credit report. 

I am totally upset with both XXXX and " COLLECTION BUREAU OF AMERICA '', please help me delete this fraud account from my credit report. This account does not belong to me and should never show up on my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a total of 3 disputes requesting that inaccurate information be removed from my report. They keep responding the information has been verified without sending any documentation which give them the right to list this inaccurate information on my report. The reporting of this inaccurate information is destroying my credit I have sent all letters certified mail I have receipts upon request, I also have copies of all letters & copies of the company response.
Product: Credit reporting or other personal consumer reports

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

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation.

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: Checking or savings account

I am writing this letter to shed light on a resent incident that happened at Bank of America NA, located at XXXXXXXX XXXX XXXX XXXXXXXX Texas XXXX. 

On Friday, XX/XX/2025 at XXXX XXXX Ser. NO. XXXX I drove into the Bank of America drive thru, inserted {$800.00} cash in denominations of XXXX. The ATM sucked the {$800.00} cash gave an error message and only acknowledged {$400.00} of the {$800.00} cash that was inserted and only {$400.00} of the deposited appears in my savings account. I immediately contacted Bank of America NA, corporate department and explained that the money that was deposited is needed asap as it would cover the cost of bills and payment to other for services. 

I also confirmed that cash deposits are available immediately, with each person I spoke with at Bank of America. I was told by at leas 3 managers that there was nothing they could do and I had to wait until Tuesday or Wednesday for the funds to be applied. I even asked that a provisional credit be applied to the account in attempts to prevent the unnecessary hardship this mishap would cause. It was not even considered. 

I am reaching out to this organization to reveal the unfair and the unethical business practices of Bank of America N.A. This is an example of what happens when humans are replaced with technology. If this transaction was handled by a live teller this would not have happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are displaying a serious delinquency of 60 days or greater in violation of the of the FCRA. 

Backstory : I was entitled to the post 9/11 GI Bill and the school, VA Education Office, and VA DMC reported a BAH ( basic allowance for housing ) overpayment of XXXX which they sent to collections in XXXX of XXXX during their internal retroactive audit. I graduated in XXXX. According to the VA, the school I attended allegedly adjusted a course I was enrolled in which led to the BAH overpayment. They VA are fixing their internal process issues as they have antiquated notification systems. I had paid it immediately when XXXX via XXXX XXXX notified me of the account with no will for evasion. 

On topic, this was an overpayment and not a loan, so it is erroneously being reporting as a collection because I never agreed to borrow that money. An overpayment doesn't constitute money borrowed and legitimately can't be reported as collections for debt. 

I am handling the details of the VA 's failure with the state via constituent reporting to the offices of the Senator -- but it will take time. I contacted Experian and XXXX  multiple times and they have not corrected disputes via their online system given the details that this was an overpayment nor have they responded proactively. XXXX  shows my normally " very good '' score so I do not have any issues with them. 

I feel this is a direct violation of the fair credit reporting act as it is a false identifier of my credit and is causing me financial burden. Thank you.
Product: Mortgage

I have a Home Loan with Caliber Home Loan about 4 years. I am always about 15 days early. I have an XXXX Credit score. I am XXXX XXXX XXXX. Last month i did not get a payment slip. I was one day late and received harassing phone calls. I paid my XXXX payment on XXXX. I received the XXXX Billing yesterday on XXXX XXXX. It was due XXXX XXXX. I tried to call the phone listed on their Invoice XXXX XXXX XXXX. The automated operator did not recognize my " phone # ''. They did Not recognize my account #. Automated system disconnected me. I tried 7 times. I tried to call Caliber Home Loan Corporate # XXXX XXXX XXXX. Same Problem! They did not recognize my Phone # or my account # and disconnected me. This is Outrageous! 
I am entitled to call my Mortgage Company and find out my payment schedule situation. 
I am making a formal complaint I will enclose payments I made and their invoices. 
There are volumes of complaints against Caliber Home Loans.
Product: Debt collection

I received a letter from Phoenix Financial Services stating that I owe a creditor XXXX XXXX XXXX XXXX XXXX {$2800.00}. I have never had any sort of involvement with this company ever. Upon looking both of these companies on the website, I discovered that these were both scams. They have hurt my credit while I was building it up. I don't understand how anyone can just open these fraudulent accounts and hurt someone's credit like this. Something needs to be done to hold companies like this accountable with fines and prison time. This is just wrong and I feel bad for people who don't know their rights or how to handle situations like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of an unauthorized credit inquiries on my credit report. My latest credit report shows 18 hard credit inquiries that I did not authorize or approve of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get credit this is a account that was not mind. I think it must have been a accident that this error occurred.
Product: Credit reporting or other personal consumer reports

I would like to request a reconsideration regarding a XXXX late payment reported in XX/XX/year> on my account with XXXX. This delay was due to an unexpected health situation ( XXXX ), which temporarily impacted my ability to make the payment on time. 

Since then, I have ensured my account remains in good standing and have set up automatic payments to prevent any similar occurrences in the future. My overall credit history reflects responsible financial behavior, and this late payment was an isolated incident. 

For this reason, I contacted XXXX to request that they consider removing this late payment record as a goodwill adjustment, as it does not accurately represent my financial responsibility. However, I have not yet received a response to my request.
Product: Money transfer, virtual currency, or money service

Paypal automatically blocked me from using their site without a reason. I was unable to withdraw my money
Product: Debt collection

i have been verbally abused by this company security credit services and need my credit report to be updated without their account on it i never went into a contract with this company
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding an unauthorized Spectrum account that has been opened under my name without my knowledge or consent. This matter was brought to my attention during a necessary security clearance check, and it has caused me a considerable amount of distress and inconvenience. 

Complaint Details : Account Holder Name : XXXX XXXX Possible Account Number : XXXX Address Associated with Account : No available but the agent said XXXX XXXX Texas Date of Account Opening : No available Balance reported : XXXX For your reference, I have been residing and working exclusively in XXXX and XXXX from the year XXXX until the present year, XXXX, as can be verified by my employment records and residential documentation. During this period, I have not authorized any third party to open a Spectrum account or any other account on my behalf, nor have I opened such an account myself. 

I kindly request you to investigate this issue with the utmost urgency and provide me with a detailed report of your findings. I believe this to be a case of identity theft, and I am prepared to take legal action if necessary to resolve this matter and clear my name. 

In addition, I insist on the immediate closure of this unauthorized account, the removal of any associated charges, and the rectification of any negative impact this has had on my credit report. 

Please find attached copies of my identification, proof of residence, and employment records, substantiating my claims in this complaint. I trust that XXXX will treat this matter with the seriousness it warrants and act expediently to rectify the situation. 

Thank you for your immediate attention to this matter. I anticipate a prompt response, outlining the actions taken to resolve this issue.
Product: Credit reporting or other personal consumer reports

Subject: Dispute of Unauthorized Collection Account on My Credit Report
Dear Sir/Madam,
Pursuant to my rights under the Fair Credit Reporting Act (FCRA), specically Sections 611 (15 U.S.C.  1681i) and 
609 (15 U.S.C.  1681g), as well as the Fair Debt Collection Practices Act (FDCPA), specically Section 809 
(15 U.S.C.  1692g), I am writing to dispute the following collection account that appears on my recent credit 
report:
XXXX XXXX XXXX XXXX
Account Number: XXXX 
Amount: XXXX 
Date of Account: XXXX  I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this 
account and remove it from my credit report as soon as possible.
In accordance with the FDCPA, specically Section 809 (15 U.S.C.  1692g), I request validation of this debt. Please 
provide me with veriable proof that this debt belongs to me.
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA 
and FDCPA
Product: Credit reporting or other personal consumer reports

Subject : Credit Report Violations by TransUnion, XXXX, and XXXXXX/XX/XXXX Details of the Complaint : I am filing this complaint against TransUnion, XXXX, and XXXX XX/XX/XXXXdue to inaccurate reporting, Metro 2 compliance failures, and violations of the Fair Credit Reporting Act ( FCRA ). 

The following account is being reported incorrectly on my credit file : Creditor : XXXXXX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX / XXXX XXXX XXXX XXXX ) Balance : {$160.00} Account Status : ConflictingReported as Open & Charge-Off Bureaus Reporting : TransUnion & XXXX Violations Found : Duplicate Account Reporting ( Metro 2 Violation ) This account appears twice under different names, falsely inflating my debt.

Metro 2 requires only the current debt owner ( XXXX XXXX ) to report. 
Re-aging of Debt ( FCRA 605 ( c ) Violation ) The last activity date is manipulated to extend the time the account remains on my report.

Re-aging is illegal and harms my credit unfairly.

Incorrect Account Status ( Metro 2 & FCRA Violation ) The account is labeled as " Open '' while also being marked as " Charge-Off. '' Charge-off accounts must be marked as closed.

Contradictory Payment History ( Metro 2 Violation ) The account reports 98 % on-time payments, which is inconsistent with a charge-off.

This creates a data accuracy issue that violates Metro 2 reporting standards. 
Failure to Validate Debt ( FDCPA Violation - FCRA XXXX ) XXXX XXXX has not provided any validation that the debt belongs to me. 
Under the Fair Debt Collection Practices Act ( FDCPA ), if they can not provide documentation, this debt must be removed. 
Requested Resolution : I request that TransUnion and XXXX immediately remove this inaccurate account from my credit report due to these violations. If the bureaus and XXXX XXXX fail to comply, I will pursue legal action under : FCRA 616 ( Civil Liability for Willful Noncompliance ) FCRA 617 ( Civil Liability for Negligence ) I request a formal investigation and written confirmation of the accounts deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXX, NC XXXX ; XXXX NC XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to request the reinstatement of my accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was recently suspended or deactivated which I did not request to be done also did not authorize anyone to delete it. 

Accounts Details : Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Email Address Associated with Account : XXXX I kindly ask for your consideration in reinstating my account. If there are any steps or additional information needed to facilitate this process, please let me know, and I will promptly provide what is required.