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

It is impossible for me to fix my credit. I do everything I possibly can and items that are 100 % false and incorrect never come off my report. It will drop XXXX points in a day with no explanation. Ive got barely any debt and it doesnt reflect a correct debt to income ratio nor does it ever seem to get above XXXX when I have paid off student loans, pay CCs on time, have no mortgages or bankruptcies and a bunch of items that are medical bills that didnt bill my insurance when I was fully medically insured ; I dispute them and they deny my claim but dont give me reasons why. Im XXXX and work daily for years to fix my credit and its impossible due to obfuscation, misinformation, wrong information, and inability to properly dispute flagrantly incorrect or fraudulent items. I need to buy a home and move forward with my life and this is making it impossible to do so. Please address Experian, XXXX XXXX XXXX  Accordingly.
Product: Debt collection

Approx. XX/XX/21 Rec 'd billing statement for a credit card I don't have. Called card company to open a fraud claim. They told me it was resolved. Rec 'd a delinquency notice. Called card company again. Said it was resolved again. XX/XX/21 Rec 'd notice they issued me a new card with a new card #. Did not receive a card, however. Spoke with XXXX at Synchrony Fraud Dept. Was told original fraud claim was denied. Did not receive anything from bank stating this. Was assured this was taken care of. XX/XX/21 Rec 'd a card in the mail with a new # ( this makes 3 ). Called fraud # again. Was told fraud claim was denied again. Didn't receive notification about this one either. Was told it would take another 30 days to resolve this.
Product: Credit reporting or other personal consumer reports

MB Financial Services last XXXX had an accounting error in their system showing my account with them was in arrears and they charged the account off, repossessed my vehicle. I contacted them immediately and they recognized the error and gave my vehicle back to me. However they never fixed their error in reporting the account as a repossession with the XXXX credit bureaus. On multiple dates ( XX/XX/23, XX/XX/23, XX/XX/23 and finally XX/XX/23 ) I have disputed the accuracy with both the bureaus and with MB Financial Services. They did removed what they claimed as charged off debt ( {$670.00} ) but have failed to remove the repossession comments from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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

I was victim of identity fraud in XX/XX/2016 and have been dealing with companies to remove in accurate information ever since. One company in particular Experian is horrible to deal with. Just to talk to someone you have to buy a credit monitoring service for XXXX ( privacy guard ) a month that will transfer a call through to an Experian rep. This is an awful business practice. I signed up for Experian service but they try and send promotions and they also have a fee for parts of their service which I think would be a huge conflict of interest, since they are promoting credits cards but are not making it easy to clean up errors on ones credit. 

I have attached a letter from XXXX XXXX that is supposed to delete a account off my credit but they have not done it. I am holding Experian and the Bank accountable and I am demanding they remove the information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports I am delinquent on my PNC mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. XXXX XXXXCODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 ADMINISTRAIVE XXXX XXXX  Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Debt collection

XXXX wireless internet it wasnt wirking three days into having it I called it was canceled 8 months later a company called diversified is trying to collect {$270.00}?
Product: Money transfer, virtual currency, or money service

I was sent a fake email pretending to be one of my suppliers regarding outstanding invoices. They asked me to make payment by ACH. I sent payment of {$19000.00} and found out that day it was fraud, so I called Chase Bank same day to reverse transaction. Two days later they told me they couldn't, I submitted a claim twice because it was submitted incorrectly but they said it was not fraud. I reached out to the receiving bank, XXXXXXXX XXXX XXXX  and they said they needed a letter from Chase Bank, but Chase Bank would not give me a letter to claim fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

a faulty background check company, Contemporary Information CorpXXXX improperly shared information about me from the public domain with a property management company without my permission. When this information was shared it was inaccurately interpreted thereby causing me to be denied the opportunity to rent a house of my choosing. Also, the same background check company reportedly gathered credit score information on me but neglected to pull a full report from XXXX as well, therefore only sharing a partial report on my credit scores from a new scoring company named XXXX. XXXX 's primary usage of XXXX scores is only half the reporting. XXXX scores are widely known to present lower credit scores for consumers thereby diminishing credit worthiness to a potential lender or management company. XXXX somehow misinterpreted a traffic citation for a criminal record and passed this faulty information on to the property management company without contacting the California local court who reported the citation in 2017 to verify that their interpretation was accurate.
Product: Credit card

I disputed the purchase with Am/Ex as the item I ordered was n't as described in the XXXX ad ( XXXX XXXX {$50.00} ordered and {$20.00} received ). Item ID : XXXX Transaction ID : XXXX. Since the merchant refused to reply to my message I returned the item and received confirmation from XXXX that it was received ( please see the attached info ). The info was provided to Am/Ex however it refused to provide a full refund and instead it made misleading statements about the case progress and requirements. Am/Ex claims that the purchase was refunded while fraudulently claiming the {$20.00} refund from a different merchant and different transaction as part of the settlement. It also made several misleading statements about the status of dispute and it did n't bother to review the info provided as evidence for the claim. Instead it took the evidence of the delivery of fraudulent transaction as justification for its conclusion of the case. Am/Ex also has failed to provide the copy of the response it was sent from the merchant as promised verbally it will do so. I need it in order to file a criminal complaint against the merchant here in IL as the XXXX different IDs ( entity/personal ) has been provided in due course of the transaction ( selling, shipping and return ). In this case it appears that Am/Ex is aiding and abetting fraud.
Product: Credit reporting

Transunion has fraudulent accounts on my credit report. The accounts are listed as XXXX XXXX XXXX and XXXX XXXX. I have never done any business with either of these companies. I have provided them with a police report to prove that I am a victim of identity theft and they 're still reporting these accounts as mine. They are in violation of FCRA 605 B.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, and so on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$120.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$340.00} XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2200.00} XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2200.00} 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to express a concern regarding Capital One 's handling of the change to their savings account offerings, which I feel has resulted in a loss of interest earnings on my part due to poor communication and transparency.

As a customer for over 10 years, I was unaware that Capital One introduced a new savings account with a higher Annual Percentage Yield ( APY ) than the one I had been using. Despite the fact that the new account offers essentially the same features as my old 360 Savings account, I was not notified of the change, nor was I switched to the higher-earning account automatically. I only became aware of this discrepancy when I contacted Capital One on XX/XX/year>. 

When I called, the representative was unable to provide a clear time frame for when the new performance savings account was offered and stated that it was not mentioned in any of their communications. I also spoke with a manager, who indicated that the change had taken place over the last couple of years, but could not provide specific dates. While the manager acknowledged that Capital One should have done a better job communicating these changes, I was left feeling dissatisfied with their response and the lack of clear information.

I feel as though I have been unfairly deprived of interest over the last couple of years, simply because I was not informed of the better-performing account option. Given my long-standing relationship with Capital One, it is frustrating to believe that they may have kept my savings in the lower-earning account as a way to reduce their interest payout, especially when the accounts are otherwise identical in features.

I believe that Capital One should have made a more significant effort to inform long-time customers of the new account and offered automatic conversions or clear instructions to switch. This lack of transparency and communication has shaken my trust in their practices, and I am currently reassessing my banking options as a result.

I am requesting that the Consumer Financial Protection Bureau look into this issue and assess whether Capital Ones actions have violated any consumer protection regulations, particularly regarding transparency and the fair treatment of
long-time customers.

Thank you for your attention to this matter.
Product: Debt collection

i seen this negative item on my credit report on XX/XX/2020 and sent SOUTH MS COLLECTIONS a letter on XX/XX/2020, asking them to verify the alleged debt or balance of {$2100.00}. the letter is attached to the complaint and the US CERTIFIED MAIL RECEIPT XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Evrything tarted back on XXXX of XXXX  I had decided to open a saving account with XXXX XXXX  on line yes they were many popupd so I activaded the adblocked and a black screen came up on my computer quicly compuyrt comprimised and I Disconected it and then after XXXX minutes turned the pc on and it worked normally after XXXX minutes it came back again and large blue screen I was doing something and my account from XXXX XXXX was comprimised that day I called geeks on site to remove the blue screen they did and when the computer came back it was on XXXX XXXX on line account the balance read XXXX dollars I lost that day XXXX I had to pay the card up and asked XXXX XXXX to un report once it got payed up and they did but some time later XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never had any account with these creditors as i know as there intrest rate and services are bad news
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed. Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau.Your bureau is legally obligated to conduct a reasonable investigation of disputes XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I accidentally sent money to the wrong person using my fifth third debit card through XXXX when I tried to dispute the transaction they said as of today XXXX denied and I asked what about the temporary credit that the guy I filled my dispute with over the phone he said if they don't approve it I will still get a temporary credit but I didn't not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still isnt reporting all of my accounts that are in good standing! I have filed a complaint against them and they responded saying they were working on it and yet THEY HAVE NOT DONE ANYTHING!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that all of my personal credit information According to consumer law 15 USC 1681 a, and 15USC 6802 by law none of my personal, address, financial, credit, information shouldnt be reported by third party companies, Congress
Product: Consumer Loan

I purchased a new car, and I gave this one back to the finance company. My new car dealer drove the XXXX to XXXX for me, and he spoke with the owner regarding the vehicle. The owner made him park it in a back lot, so it would be out of his way. I followed behind, and picked the dealer up. 
I have a voice recording of my call to Credit Acceptance, explaining to them that I voluntarily surrendered the vehicle and returned it to the place of purchase. XXXX informed me they normally pick up the vehicle within 10 days. They will sell the XXXX at auction and bill me for the remaining balance. I requested they not call me continuously until the vehicle is auctioned. 
I immediately mailed my key to XXXX, who has possession of the vehicle, along with a copy of this form and the notes above the line. 
I drive by and check on the vehicle periodically to see if the vehicle has been picked up yet, and to ensure no vandalism has occurred. 
The financing company has not yet picked up the vehicle. They continue to call me multiple times a day, seven ( 7 ) days a week. Sometimes they leave voice mails, sometimes not. I only get a bit of the voice mail, which is an automated message to call them. At this point, my voice mail box is full. I refuse to clean it up and make room for more until they cease harassment and follow through with their established procedures. They call from so many different numbers ; it is nearly impossible to block them. I 've tried to compose a call history, but I can not guarantee I got them all. It makes my eyes cross and gives me a headache!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX AND INNOVIS ARE FALSELY REPORTING XXXX XXXX US DEPT OF ED. XXXX. ON XX/XX/2019 THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED BY CONSUMER. SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I received form 1099-C from XXXX indicating that my credit card debt was forgiven or cancelled. 

However, XXXX is still reporting inaccurate balance to all 3 major credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that  XXXX  accounts that has been added to my  Trans Union  and   XXXX    credit be removed as that do n't belong to me.  XXXX  credit has removed the bogus accounts bu t Trans Union  and   XXXX   says per their investigation the information will remains and is verified to be accurate. I have never went to  XXXX   XXXX   XXXX  for anything and the collection agency says it 's back from  XXXX . So something I have no knowledge of that happen in  XXXX  is still on my credit that 's unrealistic. The following accounts are on my  XXXX  and  Trans Union and  they should be removed immediately :  XXXX   XXXX  {$800.00}  XXXX   XXXX  {$1700.00}   XXXX    XXXX  {$800.00} I have requested that these items be removed each month since  XXXX   XXXX  and each month I get a letter stating that items remain as has been verified, but noway could it be verified because I never have been to   XXXX   XXXX    XXXX  for any services EVER ... ....     Please remove items as they are ruining  my credit score .
Product: Credit reporting or other personal consumer reports

It has come to my attention that an inquiry has been made on my credit file without my prior knowledge or approval. As per the standard practice, an inquiry should only be made with the applicant 's consent. 

Therefore, I kindly request that the inquiry be removed from my credit file, or alternatively, that you provide me with sufficient documentation indicating that a permissible purpose existed for making the inquiry INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have lived in my home for over 13 years and have had a mortgage with CitiMortgage. I have gone through XXXX financial situations when I divorced and when I changed employers. The most recent issue came when I changed employers. When I changed employers my income went from {$1500.00} bi-weekly to $ 1500 monthly. I informed my mortgage company and asked for a hardship/modification. My current payments were {$1000.00}. which I had been unable to make but at the time I applied my mortgage was up to date. I was contacted by my mortgage company yesterday XXXX who informed me that I was approved and my new mortgage would be {$710.00} which was great because my take home pay is {$880.00} and I could pay a mortgage payment from XXXX check. After about 5 minutes I received another call from the mortgage company who told me that the information provided previously was an error and my payment would be {$1000.00} and I said that 's what I pay now how is that a modification? My issue is that I received a modification from this company before and my mortgage amount was almost exactly the same but I felt like I was compelled to accept it because I did n't want to lose my home because I have children. I am feeling that I am in a corner because I do n't understand why if I told them my pay has been cut in half and I need a hardship they believe its okay to give me the same payment and call it a modification. I believe that something shady is going on and I do n't know what I need to do to get to the bottom of the situation. I need a modification that will work for me and that I can afford. I want to keep my home but they really are n't giving me any options.