23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase from a fraudulent company called XXXX XXXX  on the web site XXXX in the amount of {$14000.00} and on XX/XX/XXXX I filed a dispute against the purchase with Capital One the credit card company I had used to make the purchase. It has been a month with no resolution from them or information about my case and I have submitted several documents proving I did not receive the products I purchased to this very day. When I made the purchase from XXXX I was given a tracking number for XXXX. After waiting several weeks and contacting the company several times, XXXX had repeatedly told me that my items would be delivered the " next day. '' When this never happened I reach out to XXXX over the phone and they informed me that the information that XXXX had provided was incorrect but they could not provide any further details. Eventually the tracking number I was given by XXXX  had been delivered to an address in Washington and I am in California. Nor do I have any connections to anyone in Washington. I called Capital One on XX/XX/XXXX to ask for additional information and status on my refund and they could not provide me with any information after an hour and seventeen minute phone call. I called Capital One back on XX/XX/XXXX and they refuse to refund me the {$14000.00}.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize at all
Product: Checking or savings account

On XX/XX/2022 Credit Karma Money, powered by XXXX XXXX, Member FDIC sent an email stating that my account would be closed. They are in violation of the Unfair, Deceptive, or Abusive Acts or Practices.
Product: Credit reporting

I had a XXXX XXXX XXXX XXXX that I paid off and closed the account several years ago but it is still showing up in my credit report as being open. I would like to have this account removed from my credit report as it is no longer active.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex and I moved into a apartment she kicked me out within a day after we got all the furniture and the furniture I got under my name that Im in debt {$6200.00} for I dont have she does so basically Im paying for something she has cause its in my name and I need this off my credit report asap so I can do what I need to do but I cant do that because this keeps bringing my credit down I was at XXXX credit score now Im in the 400s this needs to be resolved somehow and I hope someone would be able to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It's critical that you act immediately to comply with FCRA 605B and remove any incorrect accounts from my credit report. Please check the documents right away ; several accounts are being inaccurately reported regarding amounts and dates.
Product: Credit reporting or other personal consumer reports

The company I was renting for tried charging me an exorbitant amount of money for damages that were not created by me or we're not done when I left and sent me to collections and I have been fighting with collections to try and get it taken care of and with no result I have then went to the credit reporting agencies that it was on and one I won the dispute on and the other one I did not and they will not remove it and it is keeping me from being able to get another apartment because I have this outstanding unpaid balance and I do not feel I should have to pay that balance they kept my security deposit and then one another {$1700.00} and this has been going on since XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

XXXX XXXX sent my credit card debt to a company called Absolute Resolutions Corp . I called the number XXXX today at XXXXXXXX XXXX Thursday XX/XX/XXXX. I requested to access my debt online to make payments. I also requested a statement sent to my house. they said no and that I can only pay it in full, over the phone. My debt is over {$8000.00} so I can not pay a debt that large over the phone in that manner!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an old child support case ( Commonwealth of VA ) that is being erroneously listed as a closed consumer account on my XXXX credit report. This account has been closed for several years, and I have not made any payments towards it during that time. Despite this, it remains on my credit report, negatively impacting my credit score and making it difficult for me to obtain credit. 

I would like to highlight that a child support case is not supposed to be listed as a closed consumer account, as it is not a debt owed to a creditor. In fact, the inclusion of a child support case on a credit report is specifically prohibited by federal law. The Fair Credit Reporting Act ( FCRA ) includes a provision at 605 ( a ) ( 9 ) which states that " no consumer reporting agency may make any consumer report containing information related to ... a case in which child support is owed or due. '' Therefore, the listing of this outdated child support case on my credit report as a closed consumer account is not only inaccurate, but also a violation of federal law. This listing is negatively impacting my credit score and ability to obtain credit, despite the fact that it is not a valid consumer account. 

I request that the credit reporting agency remove this account from my credit report immediately, and take steps to ensure that my credit report is accurate and up-to-date. The listing of this child support case as a closed consumer account is a clear violation of federal law, and I expect the agency to take immediate action to correct this error. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect on a discharged debt from XXXX. Ive asked for information to be sent to me regarding account over 60 days ago and still have not received the information request. Also asked that the remove the derogatory marking on credit report and they refused to do so. Ive also disputed this with all 3 credit bureaus and they keep saying we verified the information as accurate with the collection agency.
Product: Debt collection

XXXX XXXX XXXX failed to respond to inquiry within 30 days and is attempting to collect incorrect amount.
Product: Debt collection

I don't recall having a contractual relationship with this collection company SOUTHWEST CREDIT SYSTEMS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX | XXXX : XXXX | Phone : ( XXXX ) XXXX File ID : XXXX Date : XX/XX/XXXX To : TransUnion Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Formal Metro 2 Compliance Challenge - XXXX XXXX XXXX ( # XXXX ) ** To Whom It May Concern, This letter is a formal Metro 2 compliance audit request and dispute under the Fair Credit Reporting Act ( FCRA ) regarding the tradeline reported from : XXXX XXXX XXXX Account # : XXXX Type : Installment ( Auto ) Reported Status : Charged Off Opened : XX/XX/XXXX | Closed : XX/XX/XXXX Balance : {$23000.00} Past Due : {$23000.00} Original Charge-Off : {$44000.00} Original Amount : {$47000.00} After your recent update on XX/XX/XXXX, several Metro 2 and FCRA violations remain : Metro 2 Compliance Violations Identified Improper Delinquency Reporting Post-Closure You report " Charge Off '' monthly through XX/XX/XXXX, even though the account was closed on XX/XX/XXXX. Per Metro 2 standards, no derogatory activity should be reported after the closure date. 
2. Balance Discrepancy Without Explanation The account shows a charge-off of {$44000.00}, a high balance of {$47000.00}, and a remaining balance of {$23000.00}. No Metro 2-compliant explanation exists to justify this discrepancy. 
Te r m s Field Violation The terms are listed as " {$0.00} per month for 72 months. '' Per Metro 2 format, installment terms must reflect valid contractual obligations or be marked using the proper code ( e.g., " NA '' for no terms ). 
Missing Compliance Condition Code Despite the account being actively disputed, no Compliance Condition Code ( XXXX XXXX XXXX ) is present. 
This is a violation of both XXXX XXXX guidelines and FCRA 623 ( a ) ( 3 ). 
Formal Demands Under FCRA 607 ( b ), you are obligated to ensure maximum possible accuracy. I demand the following : Immediate reinvestigation and Metro 2 audit of this XXXX XXXX XXXX tradeline. 
Correction or full deletion of this account if accuracy and compliance can not be 2. 
confirmed. 
3. Written response within 15 days, or this matter will be escalated to the CFPB, FTC, NY Attorney General, and an arbitration demand for reputational damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently applied for a loan with XXXX XXXX  which goes through XXXX XXXX bank. I was denied and sent an adverse action letter explaining why. it stated as follows " The consumer reporting agency contacted that provided information that influenced our decision in whole or in part was : Equifax, XXXX XXXX XXXX, XXXX GA XXXX, ( XXXX ) XXXX. '' Then it shows this " Your credit score : XXXX Date : XX/XX/2022 '' The issue I have is that Equifax is showing my credit score at XXXX as of today on XXXX XXXX and they claim to update it daily. That is a XXXX point difference. I don't know who is the XXXX in error XXXX XXXX Equifax and XXXX XXXX bank all punt the blame to each other leaving me with no recourse to solve this issue. Thank you for taking the time to look in to this matter in advance.
Product: Credit reporting or other personal consumer reports

I am formally disputing all inaccurate, unverifiable, and outdated information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After thoroughly reviewing my credit report, I have identified several discrepancies that must be removed immediately, as they are inaccurate, outdated, or lack verification. It is essential that these issues are addressed without delay.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 to be removed. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT.

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile.

These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dates XXXX I sent a dispute about inaccurate information on my credit report to Equifax in XXXX. 
I asked for proof that I made a late payment and verify the information they never sent anything to proof they investigated the matter
Product: Checking or savings account

The first week of XXXX in XXXX I opened a Savings and Business Accounts. The balance of my XXXX Account started declining but I was not making withdrawals. I called and went to the local bank branch to get a clear understanding. I did not receive a clear understanding. I requested a paper statement because the transactions were not showing up on my mobile app or on my online statement. I received an incomplete paper statement XXXX months later in XXXX of XXXX. I observed some transactions that I did not make and my account was stopped and I was sent new cards. I continued to call and visit my local bank branch to get more clarity and on time information. They continued to lag and delay my paper statements so I was unformed about my status at any given time. I spent and lost a lot of valuable time and I am still having problems with them. My secured bank account that was backed by cash would be Graduated.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last four years Ive been disputing an account by XXXX on my credit report- around the time my identity was taken and I was XXXX in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX  and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity
Product: Payday loan, title loan, or personal loan

we received a letter from Huntington National Bank dated XX/XX/XXXX stating our boat installment loan had been paid in full on XX/XX/XXXX. To this day, XX/XX/XXXX, Huntington bank has yet to release the title to the Department of Motor Vehicles ( DMV ). My husband attempts to contact the bank on a daily basis to check on the progress however the customer service is horrendous and often the 'hold ' times exceed what he is allowed during his work hours. He has tried numerous times to allow myself to speak with a representative, which they have declined. He has been given inconsistent information as to when and even if the title has been released. As of this past Friday, a representative failed to 'verify ' my husband and would not even give him information and ended the call. He has but put on hold after requesting not to be put on hold, he has been transferred and hung up on going on months now. The buyers of the boat are considering legal action against us as they yet to have the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX account # XXXX is " paid-in-full ''. It should be reported as " closed ''.
Product: Vehicle loan or lease

Ally Financial is incompetent at getting me a letter so I can put my car on a ship and send it from XXXX to XXXX. The communication is horrible and I am running out of days to ship my car. They already send me the wrong letter! 

After sending me the wrong letter, they asked me for more info to send the right letter, why didn't they ask for the right info in the beginning!!!
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific fraudulent accounts from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I have recently fallen victim to a data breach and identity theft. The following accounts were fraudulently opened or reported under my name, and I ask that they be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX