23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I need to dispute the accuracy of an account on my credit report. The account in question is with XXXX XXXX XXXX and has an account number of XXXX. It was opened on XXXXXXXX XXXX XXXX and has a balance of {$0.00}. After reviewing my credit report, I noticed that there isn't sufficient evidence to confirm the validity of this account. The information provided is vague and doesn't give enough details for me to verify its accuracy. As per the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this account from my credit report since there isn't enough evidence to support its existence.
Product: Credit reporting or other personal consumer reports

I contact XXXX XXXX XX/XX/2023 after getting alert of hard inquiries i didnt authorized or consent to the rep explained that a letter is being sent to credit bureau to remove the inquiries but the credit bureau have to do it. I was told a confirmation email has been sent to me with confirmation to remove inquiries it still nothing.
Product: Credit reporting or other personal consumer reports

I have maintained a relationship with HSBC for over 10 years without any issues on my part. Recently, I applied for a {$25000.00} auto loan from federal agencies, only to discover that my XXXX credit score is now showing as XXXX due to an unjustified fraud report filed by HSBC in mid-XXXXXXXX 

I urgently need this loan by XX/XX/XXXX, but HSBC has informed me that the resolution process could take 45 to 90 days, which is simply not feasible. I filed a complaint with them on XX/XX/year> ( XXXX XXXX. XXXX ) and followed up again on XX/XX/XXXX to request a contact person to include in this claim. 

Instead of receiving clear guidance, I was transferred between different departments, forced to repeat my story multiple times, and left on hold for over an houronly to be told that : They can not provide a contact person for the Department of Financial Services to reach out to, claiming I should know what to do.

A relationship manager would not be available in the short term, particularly for this issue, as they do not handle claims. 
When we were about to end the call, they suddenly informed me that I need to submit my XXXX Credit Report as supporting documentationsomething that was never mentioned in my initial complaint. 
To make matters worse, the only way to submit this evidence is via fax, a completely outdated and impractical requirement that seems intentionally designed to create obstacles rather than solutions. 
This entire process feels like a clear abuse of power, leaving the customer completely defenseless. The lack of transparency, accountability, and reasonable communication channels is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$1700.00} XXXX {$0.00} XXXX {$100.00} TD XXXX  XXXX {$8500.00} XXXX {$300.00} AD XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX -Balance {$2700.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Delete these accounts due too inaccurate information in pdf for proof XXXX XXXX- I DONT OWE ANY DEBT TO THIS COMPANY PLEASE REMOVE & its a open collection thats a violation. 



XXXX XXXX XXXX THIS ACCOUNT IS OUTDATED & KEEP GETTING UPDATED TO CURRENT ITS BEEN OVER 7 YEARS OLD THATS A VIOLATION. REMOVE THIS ACCOUNT REPORTING OUTDATED INFORMATION XXXX XXXX XXXX- THIS ACCOUNT NEED TO BE REMOVED DUE TO OUTDATED INFORMATION THIS ACCOUNT IS OVER 7 YEARS & KEEP GETTING UPDATED NEED THIS REMOVED DUE TO INACCURATE INFORMATION REPORTING OUTDATED INFORMATION XXXX XXXXXXXX THIS ACCOUNT IS OVER 7 YEARS OLD DUE TO INACCURATE INFORMATION I WANT THIS ACCOUNT REMOVED. VIOLATION IS THEY KEEP UPDATING THIS ACCOUNT REPORTING OUTDATED INFORMATION I WANT THESE ACCOUNT DELETED DUE TO INACCURATE INFORMATION ITS HURTING ME Sincerely,
Product: Debt collection

This company is raising the amount a XXXX and then reporting I paid a XXXX, they have also doubled the amount owed.
Product: Credit card or prepaid card

Placed a large order with XXXX on XX/XX/XXXX. 

Did not receive items, and rock auto customer service was not helpful, only referred me to XXXX tracking, XXXX tracking shows the items delivered to different city, not the city I specified in order confirmation, which is XXXX XXXX NY XXXX. No GPS location provided by XXXX in delivery confirmation. Or person left with, just saying dropped off to XXXX, the address XXXX XXXX XXXX  is in an apartment building with security, delivery couriers cant actually get to my door, so saying it was dropped off to my door is false, and nothing was left in the mail room for my building. There are XXXX buildings on my street ( XXXX XXXX ) and there is no indication on the tracking showing what building it was dropped off to. Citi Bank denied and tried to close my dispute until I requested them to reopen the case today XX/XX/XXXX with a letter I sent to their billing dispute email address.
Product: Money transfer, virtual currency, or money service

Coinbase Asked them to close my account and deposit my funds ( approximately {$800.00} ) back into my checking account. Was told it would take about a week which was XXXX and still not received. Concern whole company is a scam???
Product: Debt collection

Previously advised agency that I was in dispute with the original creditor regarding fees associated with move out.. carpet replacement fee, Agency refused to allow me time to negotiate with original creditor regarding this. They reported to XXXX after I adivised several times I wanted to discuss with original creditor.. within 1 30 day period they reported same account 3 times to XXXX in hopes of decreasing my score ... 
I am still in dispute of my liability of replacing carpet at apartment I paid apartment over XXXX dollars all I owed minus disputed items
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit for the time in 8 years and I have many derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX XXXX {$350.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX {$330.00} XXXX   XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$76.00} US DEPT ED XXXX {$6900.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$3500.00} DPT ED/ XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$0.00}
Product: Credit card

My wife used her Bank of America ( BOA ) credit card to book a hotel room in XXXX. She was half way there and had to return due to bad weather ( snow ). When she returned the hotel was ok with cancelling the reservation and understood. The hotel could not do anything since it was booked thru XXXX. My wife called XXXX and explained the situation. They told her she had to have permission from the hotel. She said she did and went in circles with XXXX for some time. She even called back with both parties from XXXX and the hotel on the line with her at the same time. XXXX still refused to remove the charge and wanted to charge us in full. We filed a complaint with BOA and they held the charge for investigation, then sent us a letter saying it was resolved, then removed the charge. We thought we were done when we saw the charge appear again several months later. BOA said we were accidently credited twice. We pulled our statements and got back to them to say that they were incorrect. They agreed and said that the charge would be removed. We then got a letter from BOA saying that they were going to proceed with the charges from XXXX. My wife spent at least 6 hours total on the phone with all parties to get this resolved, but had no luck. Complete lack of customer service by all parties. We will be getting rid of our BOA credit card ( after having it for about 16 years ) and will certainly never use XXXX again.
Product: Credit reporting or other personal consumer reports

There is an account from TRANSWORLD SYSTEMS I showing up on my credit report for {$620.00} and I do not have any debt with them. Ticket master just sent me an email that my information was compromised and this account is fake
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Convergent Outsourcing Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
Product: Credit reporting or other personal consumer reports

XX/XX/year> U.S. Bankruptcy XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX, Florida XXXX, responded with a letter stating that they did not report anything in public records. a copy of the letter was sent to XXXX, Equifax and XXXX for removal according to violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. That would also include Childsupport enforcement account # XXXX ; US BKPT CT XXXX XXXXXXXX Docket # XXXX ; US BKPT CT XXXX XXXXXXXX Docket # XXXX I request that the items be deleted from the credit report and updated immediately. 
In addition, there are also collections and charge offs being reported they are inaccurate Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark.
Product: Checking or savings account

On XX/XX/XXXX I filed a claim with Bank of America totaling the amount of XXXX $ My claim was open and denied in 3 hours stating there was no failed pin attempts and no unusual spending activity, there was over 20 transactions and not a proper investigation was done in 3 hours. After being denied. I filed for a reconsideration 4 times. And all still have been denied. During the time these transactions took place. I was on the phone with customer service explaining I never got my card in the mail. They told me a new one would be sent. XX/XX/XXXX. I was physically in a branch trying to get a new card. My Id was verified with a passport and two letters of mail and I was told I was unable to get a card or withdraw funds or get balance information without my card coming in the mail. XX/XX/XXXX I got a card in the mail and attempted to activate just to be told there was already a card on file in use. At that point is when I found out my account was emptied. Bank of America states no failed pin attempts and no unusual spending activities happen on the account. Even tho they did not cross reference to see the card was never received by me so I was unable to set up a pin. I have called over 200 times. Filed hardships. Just for them to reconsider my claim and wait until the last day to deny it. Over and over no new information is giving to be. And my money had not been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, as well as XXXX XXXX XXXX account number # XXXX, XXXX XXXX Bank XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXXXXXX XXXX XXXX account number # XXXX & # XXXX has violated my rights 15 U.S.C 1681 section 602. A states that I have the right to privacy 15 U.S.C 1681 section 604. A section 2 it also states a consumer reporting agency can to furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My my credit card XXXX it's not showing up on all three credit bureaus it's only showing up on XXXX and I have tried on numerous occasions I talked to both the Creditor and both XXXX and Transunion and they keep giving me the runaround one is telling me to contact the Creditor and one is telling me to contact the credit bureau I have tried on numerous occasions to get this to show on my credit report and I need this resolved now it's been past 60 days since XX/XX/XXXX ... .. this is unacceptable and all I need for them to do is put it on my credit report just like XXXX ..... I have three statements to show proof because each statement it gets reported to the credit bureaus.
Product: Debt collection

This company LVNV has brought a lawsuit against me I notified them I want proof it is mine- I am sending the email I received and there is no proof it is mine. Also it is 7 years old and after 7 years if it is mine it is supposed to be off your credit report - this account is not even on my credit report I never had an account with XXXX XXXX  ( have no idea what that is ). I want this law suit dropped. I also want punitive damages of {$1500.00} for the damages they are doing to my name XXXX! I'm XXXX and I'm here to explain who we are, what we do, and how it all impacts you. Let 's start by discussing some information about your account. 
The account ending in XXXX was charged off and sold by XXXX on XX/XX/2015. Please note, the account has been purchased and re-homed to LVNV Funding LLC. LVNV Funding LLC outsources the management of its portfolio of accounts to our company, Resurgent Capital Services. 

We know paying off debt can feel overwhelming, but rest assured we've helped millions of people just like you resolve outstanding debt and we're confident that we can find a solution that works for you, too!
Product: Vehicle loan or lease

I have been submitting complaints and writing and disputing this account every since XXXX and nothing has been taking care of. 
I have wrote Metro 2 letters, I have wrote you all a few times complaining about this account. 
This account was deleted and reinserted over 18 times in XXXX and XXXX and I was not notified within five business days from the company nor the credit bureaus. 
The company keeps filing inaccurate information, they sent me a letter XXXX did last month stating they were going to take care of it with all three credit bureaus and XXXXXXXX XXXX and do not see where they have done anything. 
I need to know what other steps I can take to file a lawsuit against the company and/or the three credit bureaus because, this has caused me to get denied credit and when they have had almost five years to get it corrected. 
According to the FCRA They must submit accurate information and they are not doing that.
Product: Credit reporting or other personal consumer reports

**Subject : ** Dispute of Inaccurate Information on Credit Report under FCRA , TILA, and PAANL Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card, account XXXX. I have identified that late payments have been incorrectly reported, negatively affecting my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.
Product: Debt collection

TRANSUNION continues to furnish an account on my credit profile that was previously deleted. Its not mine. And according to the FCRA a consumer has a right to privacy and nothing shall be furnished without my written consent. Also 18 USC 8 says all debts are the obligation of the United STATES. I did not consent to, authorize, nor benefit from this account. 

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

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list  on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted all required documents and information to the relevant parties, as part of a standard process expected to adhere to FCRA ( Fair Credit Reporting Act ) guidelines, which stipulate a resolution or response timeframe of no more than XXXX days. Despite following all guidelines and procedures, as of today 's date, the issue remains unresolved and the XXXX period has been exceeded without any communication or satisfactory explanation. This delay and lack of response are in violation of the FCRA laws that protect consumers, and I am seeking assistance to ensure that my rights under these regulations are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A CERTIFIED FTC INDENTITY THEFT AFFIDAVIT WITH SIGNATURE CONFIRMATION WITH PROOF OF MY ID TO EQUIFAX IT WAS RECEIVED ON XX/XX/2021 BY EQUIFAX AND SIGNED FOR BY XXXX XXXX EQUIFAX NEVER RESPONDED OR REMOVED THE ACCOUNTS LISTED BELOW TODAY IS XX/XX/2021 IT IS A VIOLATION TO NOT REMOVE THESE ACCOUNTS OR RESPOND TO MY REQUEST IT HAS BEEN OVER 60 DAYS section XXXX OF THE FCRA states that if this account is the result of identity theft, then it must be removed from my credit report. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY I HAVE ALSO ATTACHED MY PROOF RECEIPT OF MY PAPER WORK BEING DELIVERED AND SIGNED FOR BY XXXX XXXX OF EQUIFAX REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX
Product: Credit reporting

My credit report indicates that I 've " also been known as '' a name that I have never used. I 'm not sure how this happened or how to remedy it.
Product: Debt collection

Never received or knew anything about this debt from this Agency until I pulled my credit report.
Product: Debt collection

I keep receiving calls from this number morning, noon and night, sometimes after midnight. They never leave a message just repeated continous calls. 
This has been going on for almost 2 years now. 
I blocked the number but the calls goes straight to my voice mail.
Product: Mortgage

MidCountry XXXX sold my loan to another company " B '' on XX/XX/XXXX. I received two XXXX forms from both companies in XX/XX/XXXX. I found that mortgage interests received from borrowers ( the numbers in box XXXX ) add up not equal to the amount I have paid in XX/XX/XXXX. I reached out to MidCountry XXXX, which explained to me what happened in their end and ensured me that their XXXX is correct. The same thing happened when I contacted company B. 
In total, I spent more than 4 hours talking to both companies back and forth multiple times, which was a very frustrating process. 
Eventually, MidCountry XXXX admitted they made an error on the XXXX form on XX/XX/XXXX, which negatively impacted my tax return filing for XX/XX/XXXX. The staff apologized to me in email. However my request for a compensation of my time : $ XXXX/hr * 4 = {$240.00} from MidCountry XXXX for their mistake was completely ignored.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized accounts that appear on my credit report. These accounts are the result of identity theft stemming from a recent data breach, and I have not authorized, opened, or conducted any transactions associated with them. Below are the specific accounts that need to be removed : XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX XXXXXXXX- please remove and delete this account XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX- please remove and delete this account XXXX XXXX XXXX XXXX XXXX- please remove and delete this account Following the data breach, my personal information was compromised, leading to the unauthorized opening and use of these accounts. I became aware of these accounts when I reviewed my credit report and noticed unfamiliar accounts and activities.