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

The company is XXXX XXXX XXXX XXXX. This account was discharged in a XXXX  XXXX bankruptcy and discharged in XX/XX/2017. This company continues to change details on this account many times per month and I even have screenshot images where it's altered more than once a day. This is an discharged account and XXXX XXXX XXXX XXXX has no legal rights to my credit profile. XXXX  XXXX is no longer entitled to report on that account once the account was discharged in XXXX. XXXX  XXXX XXXX XXXX continue to violate my consumer rights by adding derogatory ratings and false reports to this discharged accounts. Recently the company has contacted me with harassing letters about this account reminding me of the terms and conditions and the payment history and being untruthful about this being a legally discharged account in attempts to justify the unethical and very unprofessional behavior. The company sent me documents trying to force me to fill out an fraudulent fraud report. The company typed out an statement as if those were my words and expected for me to have this document notorized. This account has been closed for over 5 years I don't know why XXXX XXXX XXXX XXXX this this is ok to harass and violate innocent consumers and violate orders of the court. Then the company resorts to retaliation by continuing to keep this closed account active, updating details giving it the re-aged affect which has damaged my scores keeping them much lower than they should be. I haven't had anything negative reporting in well over 5 years. But because these discharged accounts are on my report and the company DOES secretly report derogatory false info on closed accounts, these accounts are seen from lenders as bad debt. That's not how a legal bankruptcy is supposed to be. I have included pages of evidence which will be forwarded to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is important that the company is exposed and held accountable for their actions. 

XXXX XXXX XXXX XXXX. has lied multiple times claiming to be reporting the account as accurate but according to FCRA and XXXX, XXXXXXXX XXXX XXXX XXXX. has no rights to the account after it's been discharged in Bankruptcy. XXXX XXXX XXXX XXXX. is clearly in contempt of court for violating an Court order Injunction. I have hundreds and hundreds of sceenshot images of all the illegal altering of my credit report and I plan on pursuing the matter legally.
Product: Credit reporting or other personal consumer reports

AVANT LLC/WEB BANK Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX OF XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX XXXX 
Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXX 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX bankruptcy petition Potentially negative all are still reporting negative items to my account Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX All of these are XXXX from my bankruptcy and still showing up
Product: Checking or savings account

On Wednesday XX/XX/XXXX of 2024, around XXXX XXXX/ XXXX, I attempted to make a cash deposit at a Citibank ATM XXXX XXXX XXXXXXXX XXXX XXXX and the ATM proceeded to take my cash deposit within the range of $ XXXX and it did NOT credit the cash to my account or even give me a receipt. I attempted to get the help of the employees at the bank but they refused to assist me and simply told me to call Citibank customer service. I did and i told the representative over the phone exactly what happened with the ATM deposit, all they could do is give me a case number for an investigation that will take up to 45 business days however i think that is simply unacceptable, they have cameras both on the ATM and directly above and all around me. Every time I attempt to call Citibank customer service for an update, Im transferred between a minimum of XXXX different representatives before the XXXX XXXX representative abruptly hangs up on me and Im forced to restart the call over. This is not right I am a long time Citibank customer and this is disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company REGIONAL ACCEPTANCE CO account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a CFPB complaint about XXXX XXXX XXXX and Equifax inaccurately reporting 2 medical collections on my credit file, that I DO NOT OWE. On XX/XX/2022, XXXX XXXX XXXX responded to my complaint stating they will be requesting deletion from Equifax to remove the inaccurate collection account from my credit file. Attached is the confirmation of the deletion letter that XXXX XXXX XXXX provided. On XX/XX/2022, Equifax closed my complaint with the following response : " Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call 1-888-EQUIFAX ( XXXX ) or you may visit www.myequifax.com. With my Equifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free Equifax credit reports and other products. '' I recently checked the status of my re-investigation request with Equifax and noticed that the reinvestigation was completed, and the accounts were allegedly ''VERIFIED '' and remain on my credit file. How can Equifax verify these alleged accounts, if the creditor has requested to remove these accounts? This is a major violation of my consumer protection rights to ensure a complete and accurate credit history. I was also denied a home loan due to the negligence of Equifax in reporting inaccurate information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Capital One in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to XXXX, XXXX XXXX or XXXX. The card is not prepaid, ALSO my credit score was in the mid XXXX at the time I applied, now my score on XXXX  in reflecting XXXX, Capital one uses Credit wise which reflects XXXX, XXXX  reflects XXXX and XXXX  shows no score. Capital One Fails to report my score to XXXX, XXXX XXXX and XXXX  which does not help my bank with the application for a home loan.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and unfair collection accounts that have been reported on my credit report. I believe these collections are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and possibly in violation of the Uniform Commercial Code ( UCC ) as well.

# # # Fair Credit Reporting Act ( FCRA ) Violations : Under the FCRA ( 15 U.S. Code 1681 et seq. ), I have the right to dispute inaccurate information in my credit report and to have those inaccuracies investigated and corrected. The information being reported by the collection agencies is either incorrect, unverifiable, or outdated, and as such, should not be reflected in my credit report. Specifically : XXXX. **Verification Requirement ( Section 609 ) : ** The collection agencies must provide proper documentation proving that the debt is valid and that they have the right to collect it. As per Section 609 of the FCRA, I request that you furnish me with copies of all documentation that validates these debts. 

XXXX. XXXXAccurate Reporting ( Section 611 ) : ** The credit reporting agencies must ensure that all information reported is accurate. If the collections can not be verified within the 30-day investigation period, they must be removed from my credit report as per Section 611 of the FCRA. 

XXXX. **Re-aging of Debt : ** If the collection accounts have been re-aged, this is a violation of the FCRA XXXX and those accounts must be corrected or removed immediately. 

# # # Uniform Commercial Code ( UCC ) Considerations : Additionally, under XXXX provisions, specifically regarding the rights to enforce a debt or obligation, I believe the collection agencies may not have legal standing or proper assignment of the debt. Under UCC Article XXXX, if the collection agency can not provide a valid assignment of the debt or a contract that explicitly grants them the right to collect, they are not legally allowed to report this debt on my credit file. 

# # # Resolution Requested : I kindly request that you : XXXX. Investigate the accounts in question and ensure that they comply with the FCRA and XXXX requirements. 
XXXX. Remove any erroneous or unverifiable collections from my credit report. 
XXXX. Provide me with written confirmation of your investigation results. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XX/XX/XXXXXXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I sent your company a dispute letter last month, XX/XX/2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. Thanks!
Product: Credit reporting or other personal consumer reports

I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). 
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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received in the mail a debit card for a checking account that I did not open with XXXX XXXX. I called XXXX XXXX Fraud Department and informed them that this was fraudulent activity and to please close the account. The account is showing on my credit report with Transunion as being an active, valid account. XXXX XXXX would not disclose any information as to the email or phone number listed to the account. I asked them to inform me when the account had been removed from my name and they said they would send an email to the email address listed on file. Duh. So the person that fraudulently opened this account is going to be receiving the email. Being the victim of identity theft and having to work with the IRS, SSA, and the credit bureaus, this is the very last problem I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report I have found numerous inaccuracies and violations. I have contacted TransUnion multiple times to correct these errors but to no avail, as they seem not to be conducting a proper investigation. I have sent certified letters on XX/XX/XXXX & XX/XX/XXXX all of which have not been able to correct these errors. Below are the account & numerous inaccuracies along with violations ( FCRA, FDCPA ). 

XXXX - Date of Last Activity is incorrect, High Credit inaccurate, Showing a Past Due {$640.00} on a Charge Off account. 

XXXX - High Credit incorrect, Showing a Past Due {$55.00} on a listed Collection/Charge Off account, Date of Last Activity inaccurate, Date of Last Payment is incorrect. 

XXXX XXXX - Showing a Past Due {$180.00} on a Collection/Charge Off account, Date of Last Activity is incorrect XXXX XXXX XXXX - Date of Last Activity is reporting inaccurate ( account has been re-aged ) VIOLATION. 

Inquiries NOT authorized XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -  XX/XX/XXXX Its my understanding that Transunion is solely responsible to conduct a proper investigation and report accurate information or it must be removed.
Product: Credit reporting

I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into XXXX procedure of removing satisfied judgments. You can see the Plaintiff asked for XXXX Please pay close attention to the document you can clearly see that I only owe {$420.00} that was awarded by the judge to XXXX XXXX Used Cars. Then below you can see my counter payments I made to the bill that was awarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a balance on a collection I have already paid. I paid this collection in full but it is still displaying on my credit with a balance and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I finally got an email with a link to sign up for a free 1 year of credit monitoring ( XXXX XXXX XXXX  XXXX ). Unfortunately, I am unable to login to my account. My password is not valid. I could not reset. I wanted to freeze my credit report with Equifax. But access to website, and toll-free calls to Equifax have not been helpful. They indicate company is overwhelmed with many requests to do anything to freeze, signup for their TrustedID service, reset passwords, or even request a free credit report. Each day I try to call or go on the internet to contact them is fruitless.
Product: Credit card

I Contacted Capital One, Account number ****************. The account had fallen delinquent due to job loss. On XX/XX/2015, I offered to pay off the account for less than full balance. Capital One offered an amount of {$2000.00} as a settlement amount. I agreed and paid same in XXXX installments of {$340.00} and {$1700.00}. Final payment on XXXX/XXXX/2015. Capital One has failed to contact/report these payments to the credit bureaus with arrogance. They now say it is settled but the remaining balance is still reflected on the reports, with no reporting of the agreement or my payments reflected accordingly. Capital One says now, give us the remaining balance of {$880.00} and we 'll take it off. That was not the agreement. Capital One is using deceptive/fraudulent business practices with not only me, but I am sure millions of others. Why would I give these people anymore money at this point? Please investigate. Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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, credit repair services, or other personal consumer reports

Equifax collects data on me that is used by others to determine credit score worthiness. This includes sensitive personal data, which may be used by others to commit identity theft. Due to weak security practices, Equifax let this data by stolen by others, and now I live with the fear of identity theft looming over my head.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an additional XXXX on two different credit cards. The problem is I am not financially liable for the debt. The credit card companies are reporting the total amount due on my credit report. This seems to be industrywide practice I have no financial responsibility. And it should not show up on my report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) and in accordance with the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ), I am formally requesting the removal of unauthorized hard inquiries from my credit report. These inquiries were made without my consent and do not reflect any legitimate credit application or authorization on my part. I kindly request that these inquiries be promptly investigated and removed from my credit file to ensure its accuracy and compliance with federal laws. 

Thank you for your attention to this matter. 

Sincerely, XXXXXXXX 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 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: Checking or savings account

On XX/XX/XXXX my bank account was hacked. I got a notification on my phone of money being taken from my account. I didnt recognize the company so I immediately locked my account and requested a new debit card. The next day I got ahold of my bank account and they pretty much told me that I needed to contact the company that has my money and that they couldnt do anything for me. I didnt think that was my responsibility to contact the company that has my money. I still dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 


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: Money transfer, virtual currency, or money service

We sold our home to Better.com ( Better XXXX XXXX XXXX on XXXX. We agreed to Better holding {$3000.00} in a deposit as a safeguard for our post occupancy of the home through XXXX. As off XXXX Better has been unwilling/unable to refund the {$3000.00} deposit despite written and verbal promises to do so on XXXX. Better is very difficult to reach by phone and/or email. It is a highly disorganized company.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX, Transunion, and XXXX for violation of the Fair Credit Protection Act. I disputed several inaccuracies on my credit report and on XX/XX/XXXX. Each dispute was sent via certified mail. Transunion signed on XX/XX/XXXX stated my dispute was received, XXXX and XXXX signed on XX/XX/XXXX also stating my dispute was received. 

Under federal law, each Credit Bureaus have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

It has been beyond 30 days since my dispute has been received. However, I have not received my investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been disputing inaccurate information on credit report for years and attempting to mediate issues with credit bureaus, debt collecting agency 's and creditors. Whenever I've requested investigation results for my disputes into these inaccuracies from any parties, I've been told by the credit bureaus that they are only obligated to verify identifying information ( such as address, ssn and birthday ), therefore nothing will be done to correct inaccuracies because reporting company is providing them with identifying information that matches up with my customer file. Alot of items on my credit report are the result of fraudulent accounts opened in my name and or accounts that have become affected by the damages of identity theft. And I'd like to resolve these issues once and for all.