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

I submitted a fraudulent charge affidavit with XXXX credit card company and they failed to address. At the time I had a {$1000.00} credit limit, and they allowed a charge from XXXX in the amount of {$1800.00} and said I need to pay it. The charge was not authorized and at the time the card did not have the credit limit to support the charge. When I submitted a dispute with the credit reporting agency 's Experian, XXXX, XXXX and they failed to investigate and remove the negative item from my consumer report.
Product: Debt collection

They spoof their numbers constantly. I have been called before XXXX XXXX on a SUNDAY! The last straw is the calls at work. I can not have them calling my job. Portfolio Recovery does not let me even do my job. The last call was from ( XXXX ) XXXX. During work hours and I was reprimanded.
Product: Checking or savings account

XXXX I went to the bank in question ( XXXX XXXX XXXX ) and noticed that my bank account funds which were in my account {$13.00} which I had in my account went to ( XXXX ) which I consider to be theft. I want criminal charges filed against the above bank because I did not take any money out of my account. I want the criminal bank charged with the criminal acts that they committed. I had social security funds in my account and some money I had earned {$29.00}. I consider this to be criminal!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to work on my credit score. I sent multiple letter to XXXX stating I only have one name, live at one address and who my employer is. They have not updated their historical information on my profile. If I send you a letter stating what is accurate and what is out of date why would they not fix these things. I have even called over the phone to try and get them to delete names, addresses and employers that are not attached to me. I want my personal information to be reflected correctly. Not only have I been sending letters regarding my personal information I have been disputing some accounts on my report. I have not been late on my payments and if I was considered late I have not been notified. XXXX is supposed to validate their information on me and I have not seen any letter validating i was late for XXXX XXXX or XXXX. There are also unauthorized inquiries on my report that are not validated. I have asked that these inquiries be deleted as well. It has been more than 45 days since I sent my letters. I would think a No response and no verification on information allows for my accounts to be updated to reflect positive or be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my account in full I received a letter stating it would be removed and still showing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the following Credit bureaus ( XXXX, XXXX  and TransUnion ) about inaccurate information on my credit file on XX/XX/2018, and to validate it. They received it on XX/XX/2018 ( see attach ) As to date ( XX/XX/2018 ) nothing was done by any of the above bureaus to remove this item, nor did I receive any correspondence back from the above bureaus within the 30 days of my dispute that they received on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Ct XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reporting UCC Financing Statement on Debtors Credit Report File No. XXXX Dear XXXX, Equifax, and XXXX, I am writing to report a loan transaction involving XXXX XXXX, which was formalized on XX/XX/XXXX, and filed with the California XXXX of XXXX under XXXX Financing Statement File No. XXXX. I request that this information be included in the credit report of the debtor, XXXX XXXX, for accurate reflection of his obligations. 

Loan Amount and Terms : On XX/XX/XXXX, I provided a loan of {$10000.00} to XXXX XXXX. The borrower is to make XXXX monthly payments of {$3300.00} each, with the first payment due on XX/XX/XXXX, the second on XX/XX/XXXX, and the third and final payment on XX/XX/XXXX. 

Collateral : This loan is secured by the following collateral, as specified in the XXXX XXXX ( Account XXXX : XXXX ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Serial Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Serial Number : XXXX XXXX. XXXX XXXX XXXX, XXXX : XXXX, License Plate : XXXX Collateral Release : Upon full and timely payment of the loan by XXXX XXXX, the collateral will be released to him as agreed. 

I kindly request that this XXXX filing and loan information be updated in XXXX XXXX 's credit file to ensure the accuracy of his credit obligations. 

Please let me know if any additional documentation or information is required to process this request. 

Thank you for your prompt attention to this matter. 

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

1. I have requested XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the disputed accounts accounts # XXXX and # XXXX ( see attached CFPB complaint ).

2. I have disputed account XXXX with Accounts Receivable through CFPB complaint and discovered that they are : 1. not licensed to collect in my state of Florida ( see attached confirmation from them ) and therefore their collection activities are illegal, and 2. they sent their mail letters and credit card to some address in Oregon that I never lived at and which doesnt show on my credit report ( attached ).

Please investigate and delete these false disputed accounts.
Product: Credit reporting or other personal consumer reports

A hard inquiry was placed on my credit report due to fraudulent activity. Someone tried to open a credit card account without my knowledge through XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX I am attempting to get this hard inquiry removed from my Trans Union credit report XXXX 
My credit report is indicating that Trans Union removed the hard inquiry then added it back to my credit report on on XX/XX/year>2024 This hard inquiry was removed from my XXXX credit report and I am requesting that Trans Union do the same due to identity theft and fraudulent activity.
Product: Debt collection

I received a call today ( XXXX XXXX ) from CLM collection agency for a young woman ( XXXX XXXX ) who lives at the same address as me. I have no responsibility or involvement in her finances. I forwarded the message to her ( screenshot of the voice mail transcript ). She called the number given ( XXXX ) and was told they have a right to call me about her situation because we have the same address. This doesnt seem right to either her or me. Is that a permissable tactic? If not, please lodge my complaint against that company. 

Thanks.
Product: Credit reporting or other personal consumer reports

The inquiries below are not authorized. I want these inquires to be deleted because I did not authorize companies to run my credit on any of these inquiries. 
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 Consumer portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies. 

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items.

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in my credit reports that even when this credit card account with First Bank was included in my chapter XXXX bankruptcy, was showing a balance of {$1000.00}, even thou says closed. I worked with XXXX XXXX and XXXX, but they give you up to 3 times to try, then I was told to contact the company directly. On the last try the company made it worst and reported a balance of {$12.00}! When the limit was {$1000.00} and should show {$0.00} because of Chapter XXXX. I wrote to First bank on XX/XX/XXXX telling them about the erroneous reporting includeing copies of the reporting agencies and my chapter XXXX discherge on XX/XX/XXXX. On XX/XX/XXXX they answered that it does not proceed because the balance is XXXX and it was paid off, but never addressed the error about the balance of {$12000.00} and that it appears as past due of {$1200.00}. This wrong information is damaging my score and all this was included in my XX/XX/XXXX letter, and they are not complying with the bankruptcy court order and discharge.
Product: Credit card or prepaid card

I am disputing a charge on my CAPITAL ONE credit card by XXXX XXXX and my credit card is refusing to honor my dispute. I seek a credit of {$86.00}. 

TIMELINE : XX/XX/XXXX - I am billed {$100.00} by XXXX XXXX on my CAPITAL ONE credit card. This amount overbills me by {$86.00}. 

XXXX XXXX - I attempt to resolve the dispute directly with XXXX  unsuccessfully. 

XX/XX/XXXX - I file a dispute of {$86.00} with CAPITAL ONE. 

XX/XX/XXXX - I am credited {$86.00} by CAPITAL ONE and asked to supply additional documentation. 

XX/XX/XXXX - I file documentation with CAPITAL ONE providing information on my dispute. 

XX/XX/XXXX - CAPITAL ONE responds and indicates my documentation " lacks all of the previously requested information needed to validate your dispute '' ( which is false ). 

XX/XX/XXXX - CAPITAL ONE credits me an additional {$86.00} ( in error ). 

XX/XX/XXXX - CAPITAL ONE notifies me that I was erroneously credited {$86.00} two times and rebills me {$86.00} twice.
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 items 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, XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDXXXX was never late! I have had exceptional payment history with DEPT OF EDUCATIONXXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

DEPT OF EDUCATION/XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX 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

My accounts with Bank of america were restricted on Friday for no reason and are still restricted today. I have been told XXXX different reasons why and each time and told to keep trying it will be up in XXXXXXXX XXXX. I missed my mortgage, car payment and haven't been able to purchase groceries for my family of XXXX since Friday. 

I have been on the phone for over XXXX XXXX trying to resolve this and XXXX time after holding for an hour and XXXX minutes the agent pretended she couldn't here me and disconnected the phone.
Product: Debt collection

They have called me multiple times since XX/XX/year>, as of this report the last call being XX/XX/year>. They keep calling me from different number. I have screenshots of each time theyve called so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute  XXXX   XXXX    XXXX   XXXX   #  XXXX  on credit report number  XXXX . The ratiing listed on the account is incorrect. Please delete the account.
Product: Debt collection

To whom : it may concern I rented merchandise from XXXX. XXXX thru Acima credit and I negotiate a short-term payout last payment was due on XX/XX/2022 money was in the account in which that didn't withdraw on a due date I didn't notice of said action until after would be made it to appear that I didn't pay in which it was set for automatic payments for Acima to subtract from the account. 

Then in the month of XX/XX/2022, I reviewed my credit report and saw that Acima reported that my account was paid out and closed and they keep harassment going on
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCER, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliancy requirements. 

The inaccurate entry is as follows : Acct Name : XXXX XXXX XXXX Account # XXXX Date of Charge-Off : XX/XX/XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Date of Charge-Off : XX/XX/XXXX Acct Name : XXXX XXXX XXXX Acct XXXX XXXX Date Of Charge-Off : XX/XX/XXXX Acct Name : XXXX XXXXXXXX XXXX XXXX Acct # XXXX Date Of Charge-Off XXXX XX/XX/XXXX Acct Name : XXXX XXXX XXXX  Acct # XXXX Date Of Charge-Off : XX/XX/XXXX I dispute this entry on the following grounds : XXXX. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

XXXX. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

XXXX. XXXX XXXX Compliance : The XXXX XXXX Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and XXXX XXXX compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

I submitted a dispute to all 3 credit bureaus ( Experian, XX/XX/XXXXand XX/XX/XXXX XXXX on XXXX. I have not received a response from Experian about these disputes and therefore I filed a complaint through the CFPB against Experian for not responding to my request for a reinvestigation. This complaint was filed on XXXX. Unfortunately, my Federal Rights are still being violated as I write this ... Experian has truly failed to respond to my requests. I will now be filing a formal complaint with the FTC against Experian due to their negligence and flagrant disregard of their duty. I am truly disappointed with Experian 's behavior and I am appalled that during such a time as this that they would be allowed to willfully violate my rights and not process my reinvestigation. They told me in their response : " We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free '' So if I am telling Experian that information in my report is not complete or accurate or is not a valid claim and Experian says that they are supposed to investigate a claim if the claim is provided by the consumer ( which is me ) then why is Experian not doing what they said they are required to do? This is truly what America has come to ... big corporations being able to pick and choose who they help and who they don't regardless of the Federal Laws that are set in place to help protect the us.
Product: Credit reporting or other personal consumer reports

I feel I have over the years tried and trying to have these delinquent information that's on my credit report that wasn't given permission which is credit card information student loans hard inquiries that they have not by law pulled off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised in several data breaches and my name has been sold over and over again on the dark web. I am pleading for help from the CFPB because I can not have any progress with Trans Union in handling my dispute of 2 accounts that were opened by someone who stole my identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent in a police report as well as an FTC Identity Theft Report and yet Trans Union continues to report those items on my credit report in clear violation of numerous FCRA regulations.
Product: Debt collection

In 2019, XXXX and XXXX, XXXX. placed a lien on my home for {$9000.00}, without my knowledge, for a debt to Citibank that I paid. I have proof that the debt was paid. I discovered the lien this year when I needed to make a financial transaction using my homes equity. This illegal lien has been on my home for 6 years without my knowledge and is now causing unnecessary financial hardship. I contacted XXXX and XXXX and asked them to remove the lien. The claimed to have filed a letter of FULL SATISFACTION OF RECORDED JUDGEMENT to the XXXX XXXX in XXXX XXXX, Alabama, but the probate court has received nothing and the lien is still on my home. I then requested that they give me a copy of the letter to take to the court myself. They provided me an unsigned, useless document that states the judgement is satisfied in full, but the court can not accept it without a signature. I have records that show the debt is paid and I have a record of my conversations with XXXX and XXXX, XXXX. They have failed to take action to remove this illegal lien and it has caused significant financial hardship of more than {$60000.00}. I am requesting that immediate action be taken to remove this lien and to stop this collection agency from violating my rights. They are in violation of the Consumer Credit Protection Act and the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Attempted to lease an apartment with a community and never moved into unit due to crime the day of move in. Manager allowed me to move with no penalty but i was later hit a year later with a collection on my credit report. I have requested for the company to validate the debt but have gotten no response for 90 days. per 15 USC 1681 I have no knowledge of this creditor and have not given them permission to report my information and they have furnished no documentation proving the validity of this debt.