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

This is to follow up regarding the persistent presence of fraudulent items on my credit report despite multiple attempts on my part to rectify this matter. The lack of resolution has had a profound impact on my financial well-being and has caused undue stress. The fraudulent items in question, associated with Credit Bureaus, were first brought to your attention. Regrettably, my attempts to remove these fraudulent items have been unsuccessful despite multiple submissions and communications with your agency. I am formally requesting the following actions be taken with urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. The immediate removal of these fraudulent items from my credit report. I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7200.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$28000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$46000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

XXXX. [ XXXX XXXX XXXX XXXXXXXX ] account was sold to [ XXXX XXXX XXXX ] but still shows a balance owed and has not been updated to reflect a {$0.00} balance or marked as sold or transferred, in violation of FCRA 623 ( a ).

There is inconsistent and incomplete payment history reported across bureaus ( e.g., reported on XXXX but missing on Equifax ). 
XXXX. [ XXXX XXXX XXXX ] account was sold to [ XXXX This account exhibits the same issues : it was sold to [ XXXX XXXX XXXX ], but the original creditor has not marked it as sold, transferred, or updated the balance to {$0.00}. 
Inconsistent and incomplete payment history reporting continues to violate FCRA standards. 

[ Add additional accounts following the same structure as needed. ] These inaccuracies violate federal law, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally : XXXX has a history of failing to properly verify disputes, and this negligence undermines confidence in their credit reporting practices. 
XXXX 2017 data breach exposed sensitive consumer information, further demonstrating their lack of reliability in maintaining accurate reports. 

Per the Federal Trade Commission ( FTC ) guidelines, inaccurate or unverifiable information must be deleted from credit reports. As such, I am requesting the immediate deletion of these accounts from all credit bureaus ( XXXX, Equifax, and XXXX ).
Product: Payday loan, title loan, or personal loan

I took out a {$900.00} loan to pay the IRS to stop them from taking the next step toward collection. What I was not expecting was it costing men {$3600.00} for that loan amount. When I called thinking the loan should be paid off I was informed that I get charged DAILY interest. They do identify themselves as a XXXX tribe under XXXX XXXX in Montana. This is outright fraud. No loan should cost you triple of the amount you borrow. I have made 3 payments of {$400.00} which totals {$1200.00}. They take it directly from my banking account. I am going to stop payment for the next one.
Product: Debt collection

This company does not have permission to place a collection on my credit file, nore do I have any accounts with a XXXX XXXX and never have. I received a very obscene phone call from a person by the name of XXXX. He told me I have a debt come XXXX XXXX and I needed to pay him {$500.00} now over the phone this call was onXX/XX/2018 and if I didnt then he would place it on my credit. I told him that I DONT or have I never had any accounts with that company. I advised him that he would need to send me proof and he then he disconnected the call. I woke up the next day with a notification stating this company has placed a debt on my credit file and the date was opened in XXXX. I have spoken with a attorney and it has been determined that this company has illegally placed a debt on my credit and it needs to be removed.
Product: Debt collection

I have called the multiple times to try and pay ( forgot the day but on 2 separate occasion ). Instead of talking to me when i gave them their account number they asked for information such as my social security which i have not given them nor have given them any right to that information. XXXX XXXX XXXX shared my social security with this company and now they are claiming that there was fraud on my account and want me to put in writing to them all of this information which i have refused to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX im not recognize this account XXXX XXXX not recognize this account
Product: Credit reporting or other personal consumer reports

According to section 604 e of the FCRA, I have the right to request deletion of inaccurate information on my credit report. I sent a letter requesting the credit reporting agency to furnish proof of ownership of the accounts, as well as multiple inaccuracies. Not only did my written request go unanswered but the inaccurate accounts on credit report have been illegally reaged. Additionally, there are accounts being reported by one credit reporting agency that arent being reported by others. All accounts in question should be deleted. 

The accounts in question : 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: Credit reporting, credit repair services, or other personal consumer reports

both credit bueros and creditor are claiming that they have not reported or see any remarks on file indicating AID, Which is now on a adverse account negatively against me. I have had fraudulent charges reacurring monthly dated back since XX/XX/XXXX.remarked added XX/XX/XXXX - XX/XX/XXXX and removed XX/XX/XXXX XXXX claims no such remark is showing on file but recent report from XXXX sent out XX/XX/XXXX from them is not accurate.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my consumer report I did not authorized. A inquiry with XXXXXXXX XXXX XXXX XXXXXX/XX/2024 ) and XXXX ( XX/XX/2024 ). I reached out to these creditors and I have not receieved a response. Therefore, I must request your help in resolving this matter. Not only did I not authorize this but I never provided consent for these to be furnished to my consumer report. Please delete the following unauthorized inquiries. They are misleading and causing me to be denied credit. The inquiries are listed on XXXX, Transunion and XXXX.
Product: Credit card or prepaid card

I signed up for Chase XXXX XXXX XXXX XXXX Card through an offer that came in the mail that promised XXXX bonus miles ( see attached pamphlet ). 
Even though I used the exact website indicated, signed up before the deadline and met the minimum spending required, I never received the promised XXXX bonus miles. I received XXXX, which is their more standard offer. 
I contacted Chase even before the 3-month spending period to make sure XXXX would be awarded, since I didn't see any indication of this in the site at the time of signing up. I was told to wait the three months. 
I contacted Chase again 4 months after opening the account ( and meeting all the minimum spending requirements ) and was told I wasn't eligible, without an explanation ( see letter attached ). 
I followed up recently and was told that because my account has been open for more than 3 months, the offer can not be awarded!
Product: Payday loan

The creditor took on my loan when i never should have been approved my credit score was barely XXXX. The creditor put my interest rate of 120 %!!
Product: Checking or savings account

On  XXXX   XXXX ,  XXXX  Chase bank unilaterally closed my checking account which I opened in  XXXX  and had used continuously since that time. No notification was received. On  XXXX   XXXX  I received a cashier 's check from  Chase  containing a cashier 's check for the balance in my account on  XXXX   XXXX ,  XXXX .   I called the Chase online number to determine why my account was closed and was told to go to my local branch. I went to my local branch and asked a customer service agent why my account had been closed. She spent about an hour on the phone with various   Chase representatives without receiving an answer. She then elevated the problem to " The Executive Level '' which she said she 's only done once before in her 10 year career there.
I received a message from a representative in the executive department and called back. I was told that my account was closed because the bank " needed more informa  tion ''. When I told her that I had no chance to respond and did n't know what information they needed, she responded that the Bank had sent me letters requesting information in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX .   I told her that I had not received any such letters and that this did n't make any sense since they 'd closed my account in  XXXX , why would they be sending me a letter requesting information in  XXXX  after already closing my account.   I then asked for the details on what information was needed. The agent was unable to provide an answer. I asked for copies of the alleged letters that had been sent and again the agent was unable to produce them. I was told that under the terms of my account, the bank could close my account whenever it wanted for any reason so having the letters really did n't matter. I told the agent that it did matter because she was supplying me false information and then unless she could produce the letters it was clear that this was fraudulent. I was directed to return to my local branch.   I went back to the local branch and attempted to cash the cashier 's check at that Chase Bank and was told it would n't be honored because my account had been closed.   Are you beg  inning to see the irony here?
I then engaged the Manager who was familiar with my prior attempts to obtain information and said that she would do her best to try to get to the bottom of this problem. After spending about 1-1/2   hours on the phone with various departments withi n Chase, she filed a complaint with Chase for me and told me that the only way she knew for me to get my money and get my Chase cashier 's check cashed was to open a new checking account, deposit the check, take all of the funds  out, and then close the account. She was very apologetic and said she was very sorry but just could n't find any other way out.   Is this ludicrous or what? The bank closes my account without notice, provides me a cashier 's check for the balance but then wo n't honor it because my account 's been closed for some reason that they refuse to tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

they repossessed my car after one late payment. they switched companies without my knowledge. it was XXXX XXXX when i got my loan.it is currently first southwestern financial. i never got a notice of them changing names and numbers. i had no way of contacting them until i seen their name on my credit report 3 years later. i called when i got their information they said i owed about XXXX witch is incorrect it was only around XXXX they sold the car to someone else for over what i owed. this is lowering my score. they never sent me the check of notification that the car was sold. they never gave me a chance to relieve my debt. they was very rude and uncooperative. they do not even have the original loan agreement. with my signature. they cant not validate my debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX. THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Debt collection

Received a credit monitoring alert indicating on my XXXX credit report that a collection item from CONVERGENT OUTSOURCING was placed in my credit report. I do not have any record of doing business with CONVERGENT OUTSOURCING, I dispute the validity of the debt which does not have an account number, original creditor or any verifiable account information. This unverifiable collection item needs to be immediately removed from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response to my previous dispute via CFPB complaint number XXXX, and I still disagree with your investigation response and I am aware you did not complete a proper and full investigation which is defined by 15 usc 1681A ( e ) : investigative consumer reports federal Law ; which you admitted your guilt to violating in your response to the dispute. 

I have also attached your response to this letter as exhibit A. According to 15 usc 1681a ( e ) the only way to legally validate and investigate a consumer report is to to conduct personal interviews with neighbors, friends or associates of the consumer. The federal law explicitly states that you can not use factual information from a consumers credit record obtained directly from a creditor of the consumer. In your response you stated that you verified the accounts through electronic communitcation with the creditors of me ; the consumer! No where is your reponse did you state that you conducted personal interviews whichs means ; YOU DID NOT INVESITAGE ITEMS LEGALLY! 

So for your negligence I demand you to re investigate the items listed below which still remain on my consumer report. If you can not validate these items properly and legally as defined by 15 usc 1681A ( e ) they must be deleted or updated per my request immediateley, without hesitation, or rebuttal. Also in regards to the late payments on the XXXX XXXX account, XXXX XXXX was not able to validate late payments and have updated payment history, How are you able to validate this account if they cant? this is false information and should be updated to paid as agreed. I have attached a copy of my consumer report with updated payment history labeled exhibit B.
Product: Debt collection

A debt that originated with XXXX XXXX totaling {$120.00} has been referred to the collections agency, Diversified Consultants. This unpaid debt originated in XXXX, TX occurring some time within the past 3 years and belongs to my mother. I have lived in XXXX, TX for the past 12 years and have never had any accounts with XXXX XXXX. 

This company, Diversified Consultants, has falsely reported to the credit bureaus, beginning XX/XX/2018, that the debt is mine. They have also harassed me via phone, and their false reports are negatively impacting my ability to submit for a home loan. 

I have submitted repeated reports about this false debt to the credit bureaus, but I am finding it difficult to get them to remove the debt.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and reported it on XX/XX/year> and XX/XX/year> I requested the verification on all derogatory accounts and 15 hard inquiries, they refused to do so, they either lied or just made false verification nor quite frankly I spoke to every company and Experian never contacted any of them not 1! This seams like a common practice for Experian
Product: Checking or savings account

Capital one 360 canceled my debit card to my checking account without any notification. This cause me to not be able to purchase groceries that I was in line trying to purchase causing great distress and problems. The representative said they had sent another card in the mail. I was not expecting to be sent another card since I already had a card good until XX/XX/2023. They said they would not reactivate the card, and left me unable to purchase food. I was not able to purchase gas. Due to work hours extended for work during pandemic I could not find time to reach the single branch located in my area during their hours of availability. Bills associated and linked to the card were not automatically paid. The bank removed all access to my money at great cost to me. After being a victim of consumer fraud from an illegitimate business advertising false products, the bank said I could not activate the card they had sent prior, and that yet another card would have to be sent. They said 3-5 days and it was 10 days before I received the card and in that time had no access to food or the things I needed until I could take time from work to reach the bank on their hours to get money until the card arrived. It is very simple, no bank should be allowed to shut off cards and access without directly contacting the client. If they don't do these actions for millionaires and treat them in such a way then they shouldn't be allowed to do it for everyone else either. it is discrimination, and it is wrongfully withholding access to an account without explanation or any accountability.
Product: Student loan

I called XXXX to find out about the status of my loan and what to expect for repayment. The representative asked me if I was interested in forgiveness. I pre qualified so said yes. They connected me to a third party but did not inform me they were not affiliated with the federal government. The third party did not inform me they were not connected to the federal government. The company is Students Come First. I did sign the paperwork for forgiveness, but once again I thought this was coming through the Federal Government. 

They do not answer their phone calls. Im trying to get a response using email. 


I need to stop the transfer of this loan.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and experian was sent information requesting the removal of inquiries of companies i didn't recognize, they were also sent information of their data breaches and how my profile was one of the ones effected by their breaches. These companies have refused to do the proper investigations that are required by law to properly remove all information that has not been proven valid. Please remove all information on my profile that was effected by their data breaches
Product: Debt collection

We have repeatedly received calls from the NP GROUP out of XXXX, NY for a debt that that they claim is mine. I confirmed with them during one conversation that the debt was not and could not have been mine. The lady said she made a note and that they would stop calling. They have not. Furthermore, I have contacted the bank for whom they claim to represent and confirmed that there is no record of this debt existing. 

XXXX, ny np group
Product: Credit reporting or other personal consumer reports

This particular complaint is specific to TransUnion. However, I have disputed with TransUnion, XXXX, and XXXX, as well as the creditors a few times at this point. I have even gone further to send things to your company to still have the items on my report. I had to go and study and do my due diligence to find more support as to why these items must be permanently deleted from my reports. The following are the items that must be deleted according to 15 U.S.C. subsection 1681 et seq. 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