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

I was denied a security clearance because DOD found a delinquent account in an estimated amount of XXXX, creditor by XXXX XXXX on my credit report that am unaware of. I contact XXXX by disputing the account. XXXX came back stating when they contacted the creditor which is XXXX XXXX, stating account belongs to me and that theres no error. XXXX gave me XXXX XXXX phone number they have on file but when i called its not going through. I googled them and I got their number and the representative I spoke to told me is a private loan i took when i was attending XXXX XXXX XXXX around 2010. XXXX XXXX offered my a settlement amount of {$8200.00} if i want to have it cleared of my report or I have to pay the past due amount on the account which is in an amount of {$10000.00}.
Product: Credit reporting or other personal consumer reports

I have not been able to reach anyone at this company and I have never had any type of account with them, XXXX XXXX XXXX XXXX XXXX XXXX FORTIVA Credit Card I ahve never done business with any of these companies Thank you
Product: Debt collection

I have no knowledge of this account. I need this off my report asap.
Product: Payday loan, title loan, personal loan, or advance loan

High interest rates that my balance does t go down
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Experian and XXXX several times throughout 2020 to resolve the removal of a bankruptcy that's showing in error on my credit report. The last time I decided to also reach out to other entities like XXXX and a few more to see where XXXX, Experian and XXXX are getting this information. They allowed me to know they have no records of a bankruptcy and XXXX, Experian and XXXX did not get the information from them. XXXX, Experian and XXXX has yet to remove this from my report and I want it removed ASAP due to the severe impact that it has on my credit report. Not to mention Experian is reporting this information twice.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX. Since then the account has reportedly been updated as payment. A charge off account should not include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account rights. I am demanding a deletion of the following account. 
Account Name : XXXX Account NumberXXXX
Product: Credit card or prepaid card

I am an member of the XXXX XXXX XXXX. I was XXXX on XX/XX/XXXX in XXXX XXXX XXXX    XXXX XXXX. I am currently XXXX to XXXX. I have tried several times to the Barclay credit card company to lower my interest rate in accordance with Soldiers and Sailors Relief Act that is U.S. law. On the XX/XX/XXXX, I called the company and advised them that I had been activated and requested they lower my interest rate. The Barclay Card associate directed me to call an extension within the company and leave my information and an associate would contact me within 72 hours. I didn't receive a call. I called again on XX/XX/XXXX and left a message with my information again. I have yet to receive a call from any representative of Barclay Card. Can you please assist me with resolving this problem. I can provide a copy of my orders upon request.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
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 XXXXXXXX
Product: Debt collection

Notice of fraudulent tradeline Activities ( Carmax Auto ) Chargerd off an Consumer Credit Transaction and Now trying to Collect of an alleged debt that they Charged off. In the Amount of {$17000.00} they are trying to collect which is tax Fraud and the Proper Authority has been contact. They have Inaccurate information of my Credit File with ( XXXX, XXXX, XXXX ) I demand the information be Removed immediately 15 U.S. Code 1681n - Civil liability for willful noncompliance By Not do so your in violation of State and Federal law
Product: Debt collection

I have contacted the debt collector, TELERECOVERY, via certified mail due to them have reported negative items on my credit report. I sent a letter to them and have given them over 30 days to contact me. The letters I sent to them asked them to validate the accusation and to send proof of what they are reporting. It is my right to ask for validation about any accusations concerning a debt. I let them know that it violates FCRA 15 U.S.C. 1681i, all unverified account must be promptly deleted. It is damaging my credit worthiness. 
TELERECOVERY, medical collection balance, {$110.00} U.S. certified mail tracking # XXXX XXXX XXXX XXXX XXXX ; mailed off XXXX/XXXX/XXXX, delivered XXXX/XXXX/XXXX @ XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX 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

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report and complaint with XXXX, Equifax and XXXX over 30 days ago. According to the Fair Credit Reporting Act, these items must be removed from my credit report. 
XXXX Complaint ID : XXXX XXXX Equifax Complaint ID : XXXX - XXXXXXXX XXXX Complaint ID : XXXX - XXXX This is very upsetting and I need this fraudulent information removed from my credit report within 4 business days. 


FRAUDULENT ACCOUNT : Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX,
Product: Credit reporting

I have been on a debt mgt program since XX/XX/2016 yet some of the credit card companies have been reporting me late. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Prepaid card

Please help with account I'm a victim of identify theft from a roommate of 20 years who was activeing my cards finding out my pin numbers to multiple accounts
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 u.s.c. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. Case law has affirmed my right to request the cessation of debt collection communications. In XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the court ruled that a consumers request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor request for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. Please be advised that failure to comply with this notice may result in further legal action. This could Include filling complaints with the consumer ( FTC ), as well as pursuing other remedies to protect my rights. Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.
Product: Mortgage

See proff have faxed XXXX XXXX and XXXX and emailed to bank multiple times called today rep said MODIFICATION APPLICATION COMPLETE NO HOLD ON SALE! why??? was send since XXXX Know california residents have rights but was sent since XX/XX/year> see proof! ( will have XXXX  if needed )
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I placed an order on XXXX using the third party pay over time provider, AfterPay. Immediately after placing the order, I cancelled it. However, AfterPay had collected the first payment for the order. When I notified AfterPay that the order was canceled and provided them with correspondence from XXXX confirming the cancellation, they said it wasnt good enough. They said I needed to obtain a screenshot of my transactions showing orders in XXXX in order to prove it. So, I did exactly that and it showed no orders. Now theyre telling me they cant provide the refund until XXXX tells them the order is canceled and to issue a refund, despite proof from XXXX that there were no charges. That request is impossible for me to achieve, so they expect me to pay for an order and goods I WILL NEVER RECEIVE? Despite the XXXX separate and different written messages from XXXX confirming the order cancellation and that they did not charge for the order, AfterPay refuses to issue the refund of my first payment. I HAVE NEVER MISSED not XXXX XXXX of any purchase made with them, and this is their response.
Product: Credit reporting or other personal consumer reports

Hey I look at my credit report and seen inaccurate and incorrect information on my credit report. Its two account that showing old information and out dated information. According to the fcra and truth and lending act. These accounts have violated my rights and also violated my privacy rights and should be removed and deleted from my report. Its stopping me from helping my family and I would like these account be deleted immediately. Us code 1681 and us code 1682 ( b ). 15 us code 1692 ( e ) has violated my rights. 15 us code 1681 ( e ) has been breach off the laws and by all rights should be in place. After 7 years account should be deleted by law XXXX XXXX XXXX XXXX open XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX or XXXXXXXX XXXX XXXX requested a copy of my credit report without my knowledge or permission. This was obtained Fraudulently without my consent. I never requested a credit card from XXXXXXXX XXXX XXXX XXXXXXXX through XXXX, but they requested my Credit Reports & I have a Fraud Alert on all 3 of the Credit Bureaus stating that no company should request or receive my Credit Report without receiving my consent due to Fraudulent Activity on my Credit Report & companies opening Credit Cards & Bank Accounts that were opened fraudulently by someone without my consent & police reports have been filed, but its still continuing. I requested that they remove the HARD INQUIRY on my Credit Report & its still there. Its prevented me from receiving credit line inquiries, receiving other offers, & denied from being able to receive a Home Loan due to having too many Hard Inquiries from XXXX companies that I never gave permission to retrieve my credit reports. The Hard Inquiry that I reported above is again as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX was not properly and accurately reported. 
1st date of delinquency is not reported Last Payment date is not reported 1st Major delinquency is not reported under FCRA I am entitled to have all items complete and corrected.too much time has elapsed since my initial inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a METHOD OF VERIFICATION from Equifax on XX/XX/2023 and a representative stated on a recorded line that I would be provided the requested information in my letter regarding the XXXX and XXXX XXXX account listed on my report that continues to report erroneous and inaccurate information. According to the FCRA, this information should have been sent for my review within 15 days, but now it has passed 30 days and I have not received any of the requested information. This is a violation of my rights as a consumer because I have the right to know this information. I do not just want a copy of my report again without the proper investigation. The accounts are not reporting in accordance with Metro 2.
Product: Credit card or prepaid card

On XX/XX/2022, I went to make a payment on my United Airlines Card through Chase Bank. To my surprise, my account and card were closed. The letter I received did not indicate why. When I tried to work with Customer Service I was told that they are unsure why Chase closed my card and there was nothing I could do. I have not received any clarity or answers as to why Chase decided to close my card and keep the balance from my card active. My credit score is now effected by this mishap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] 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 ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Checking or savings account

The supposed name of the company is XXXX XXXX XXXX. 

I was contacted online through XXXX chat about a business opportunity to purchase the contract of a model they have employed XXXX XXXX. So the deal, as I was led to believe was to send these payments using XXXX, XXXX XXXX, XXXX, and XXXX First payment was on Tuesday XX/XX/2022 to a XXXX username XXXX in the amount of {$410.00}. 
The second payment was on XXXX  XX/XX/2022 for the amount of {$900.00} to XXXX using XXXX again. 
The XXXX  payment was the same night of XX/XX/2022 for the amount of {$1600.00} to XXXX using XXXX again. 
The XXXX payment was again XX/XX/2022 to XXXX XXXX for {$900.00} reference number XXXX. 
The XXXX payment was on XX/XX/2022 to XXXX XXXX for {$500.00} using XXXX. Reference number XXXX. 
The XXXX payment was on XX/XX/2022 to XXXX XXXX for {$1500.00} using XXXX XXXX. Tracking number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
The XXXX payment was on XX/XX/2022 but it didn't settle with the merchant for a XXXX days after. Her name is XXXX XXXX I sent {$1400.00}. Transaction number XXXX. 

I will be attaching screenshots documenting each and every transaction that I sent with any other information I have on this company. 

Thank you for your help in advance im praying.
Product: Money transfer, virtual currency, or money service

Wired money to WU-registered recipient in XXXX. Transfer was advertised and promised to be sent in minutes. Transfer was time sensitive as funds were needed for family members urgent medical expenses. Funds were still not received after more than two hours and three visits to XXXX WU office. Sender was advised upon inquiry of the delay that a hold was placed due to people being scammed into sending money to XXXX. Since this was clearly not the case on this transaction, and since sender, recipient, reason for transaction and other elements were all on file from previous transfers, this delay was unexpected and certainly other than as advertised. This created not only an inconvenience, but a hardship and potentially dangerous result because of the reason for the funds for health care for a XXXX year old relative in the face of the Covid 19 pandemic. Before filing this complaint, sender reached out to Western Union to ask just how long they would have withheld funds if not pursued by sender ( funds were finally released after our complaint and challenge ). The WU representative after hearing my question just hung up. I believe the WU advertisement and claim that international money transfers will be sent within minutes is false and misleading. This in addition to unjust enrichment via earning on my money during delay as well as having collected the transfer fee.
Product: Credit card

On XX/XX/2024 there was a Comenity Card ACH XXXX transfer from my XXXX XXXXXXXX XXXX  Checking account in the total of {$92.00}. I disputed this charge. 
On XX/XX/2024 XXXX XXXXXXXX XXXX agreed with my dispute and credited my account for {$92.00}. 
On XX/XX/2024 there was another Comenity Card transfer from my XXXX XXXXXXXX XXXX Checking account in the total of {$92.00}. This time the withdrawal was a physical check, number XXXX. Again, I disputed this charge. 
On XX/XX/2024 XXXX XXXXXXXX XXXX  agreed with my dispute and credited my account for {$92.00}.
Product: Mortgage

I requested several times to get an estimate for escrow/title fees. I never received anything. Final documentation listed these under " Borrower did not Shop, '' which is not true. In the end I was under the gun and forced to go with lender 's preferred title company in order not to delay closing and risk losing the loan/rate altogether.
Product: Prepaid card

XX/XX/year>25 Purchased prepaid Card from XXXX XXXX. 

Tried paying my bill online they froze the card. I called them multiple times and they told me rest assured they would send me a digital replacement. I mentioned how I needed to pay for my sons daycare that my money was tied up they said the first time in 15 years their system crashed and they could neither fix my card, offer a replacement or help. Even though my bill is due they didnt care. Had I known they would do this I wouldnt purchase from them.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of Last Payment differently : XXXX says XX/XX/2019, XXXX XX/XX/2019 and this is not reported on XXXX. The Date of the Last Activity shows differently : XXXX XX/XX/2019, XXXX XX/XX/2019, and XXXX is not reporting this account. The date last reported on a credit report is inaccurate or outdated ( XX/XX/2019 ). This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit reporting or other personal consumer reports

I am writing this letter to express my serious concern and objection to the continued furnishing of the above-referenced account by your agency on my consumer report. As per my understanding, this account is reporting past the statute of limitations in the state of Georgia and is adversely affecting my credit history. 
On XX/XX/XXXX, I had submitted a dispute through the Consumer Financial Protection Bureau ( CFPB ) regarding this particular issue ( copy of the dispute letter attached for your reference ). 
Despite my previous attempts to rectify this matter, upon reviewing the notification from Transunion on XX/XX/XXXX, I was astonished to find that the account still appears and your agency states that the account was verified even though it is past the statute of limitations. 
According to your records, the account was updated based on the information provided by the furnisher. However, this information is well past the statute of limitations. The most recent report reflects that the Date of Last Activity was XX/XX/XXXX and the Date Closed was XX/XX/XXXX. This information suggests that the account is over nine years old, which is beyond the credit reporting time limit as set by the Fair Credit Reporting Act ( FCRA ).
Product: Credit card

I am reaching out as I was told by PNC Bank customer care my late fee will be waived due to an error with my card being locked and me paying it right away. When I called customer care they told me they cant waive it. I was lied too and they are manipulating me.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3000.00}
Product: Checking or savings account

Iam a PNC bank customer. 
Monday morning I went by my branch to check my account as I expected fairly large deposit from XXXX. I was going to use it to pay down my CC and transferred {$800.00} to pay down the card. 
But the bank misplaced ( or something ) my {$800.00} and it disappeared for several days.It magically reappeared on Friday during a meeting I was having at the bank, with the bank 's comment, '' 'Oh I do show an {$800.00} deposit on Thursday and it will clear tonight so the card can be used on Saturday, '' That's all well and good, but I was nowhere near a PNC branch on Thursday. 
How can a bank mysteriously lose {$800.00} deported in person with a teller? I will have to put on the big search for the receipt, and when I find it what action should I take?