23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$1700.00} Date of Account : XX/XX/XXXX
Product: Checking or savings account

I received a piece of mail from US Bank saying that a US Bank XXXX XXXX Account was opened in my name on XX/XX/XXXX. They listed an account number. I called US Bank and spoke with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. She said the application was declined as it was suspicious for fraud. She instructed me to report this to the XXXX and Federal Trade Commission which in turn sent me here.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy on my credit report dated XX/XX/XXXX. Doing a proper search of the official publicly available court documents shows This Bankruptcy does n't meet the National Consumer Action Plan data Guidelines of XXXX that went into effect XX/XX/XXXXstating in short that the 4 identifiers earmarking the record are clear and present indicating the validity of the record. Additionally a recent online search as of XX/XX/XXXX shows that there is no current data on the XXXX website ( see attachment ) showing NO DATA as regards any federal court ruling against XXXX XXXX in the state of California from XX/XX/XXXX to XX/XX/XXXX, further corroborating that fact that any such records have been removed, vacated and or found to be null and void.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) # XXXX is showing STATUS as being charged off which is incorrect. 

I made a payment of {$80.00} on XX/XX/2023 in cash on this account and balance is XXXX. 

Please update STATUS to PAID CHARGEOFF. 

Attached is screenshot of account STATUS stating CHARGEOFF which is wrong. 

Attached is receipt from XXXX stating that I paid {$80.00} in cash
Product: Credit reporting, credit repair services, or other personal consumer reports

Your re-investigation did not result in any changes to my credit file. I've already informed you that my report involves false and incorrect accounts, which you must immediately remove and delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been XXXX by XXXX XXXX XXXX regarding my account status. Since XX/XX/XXXX Ive expressed to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, in hope they would help me with repayment option to keep my account open. However, not only have I been charged annual and monthly service fees including constant increases, but I have also been XXXX daily to make payment which even though I told them the law that went into effect in XXXX, they disregarded the bill collection XXXX act, therefore I was forced to make the payments in fear of my personal information being shared and or reported incorrectly. Im attaching all the documentation in hope to provide more. My account hasnt been closed by my request, which I spoke with XXXX XXXX  today XX/XX/XXXX, yesterday XX/XX/XXXX last week and each week after XX/XX/XXXX until recently discovering this illegal activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my report. I was told the Oklahoma XXXX XXXX bankruptcy reported a bankruptcy to my credit report. I contacted the bankruptcy court of the Oklahoma XXXX XXXX and they told me that they did not and do not report to credit agencies. I expressed this to equifax and they told me that they dropped my credit score additional points for filing a dispute. I went back to dispute it again and was told that I am unable too. Listed below you will find a screenshot! They Equifax have also reported that the start date is XX/XX/2021, instead of the original date it was reported! This is incorrect information and needs to be removed! It has been 7 years! Please delete this from my credit file. They refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, sent a letter regarding inaccurate and unknown Items on my credit report on XX/XX/2020. It is 60 days later and I have not received a response yet. I feel like my disputes are being neglected and I am being taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX & on XX/XX/XXXX I sent a letter with a federal trade commission affidavit to the XXXX, Equifax, and XXXX explaining to them the information on my credit report was inaccurate and for them to investigate. I gave them 30 day to respond to me and they did not.
Product: Bank account or service

I have an account with JP Morgan Chase. I have both a checking account and auto loan. On Thursday, XXXX XXXX I was traveling for business and due to a cancellation of flight my business associate whom I was traveling with did not arrive until the next day. Because I was the first person to arrive at the hotel I was asked for authorization of payment. The payment for the hotel was set to be taken from my business associates corporate credit card however, since she was not there, I did not have the card to furnish. Unknown to me, they were requesting the amount of the entire stay ( I was only staying XXXX night, my business associate was staying XXXX nights ). My card was used to " authorize '' {$800.00}, otherwise I was advised that I could not stay there. The following day when my business associate arrived, the cards were changed and I was told the authorization on my account was cancelled. I was advised to call my bank to request that they release the hold/authorization as the transaction was only pending and was not a completed transaction. They even gave me a direct line for the bank to contact so they could confirm the authorization was cancelled on their end. I called JP Morgan Chase that Saturday on XXXX XXXX and was advised by the rep that I had to be transferred to the debit card fraud protection team. After a twenty minute conversation with the debit card fraud team, I was assured that this would not be a problem and that the funds would be restored within the next five minutes. They advised they did not need to check with the hotel. After five minutes, I re-checked the account and the funds were not restored, I assumed the account would become whole on the following business day which was Monday since I was calling on a Saturday. On Monday, the funds had still not been restored. When I called Chase on Monday, I was told that they were not able to restore the funds. I remained on the phone for an hour and was transferred to the claims department twice. I was then told by a claims representative that the issue had been escalated and I would receive " emergency funds '' within the next two hours. That also did not take place. Chase failed to give me accurate and correct information in regards to the activity that supposed to take place on my account. In addition, at no time was I ever contacted by Chase to communicate those changes. In totality, all I was given was incorrect information from the representatives. As a result, I incurred late fees for bills and rent that needed to be paid. Customer service was inaccurate and misleading in their information. When I spoke to a " specialist '' on Monday they acknowledged I was given the wrong information and yet did nothing to rectify the issue but continue to give me more misleading and inaccurate information. This concerns me as neither institution seemed to have the funds and yet, they were not available to me.
Product: Debt collection

I first heard from Merchants Credit Bureau , Inc. from a letter dated XX/XX/XXXX which stated I have a balanced owed of {$8300.00} and it was due immediately. I have no knowledge of any balance due to XXXX XXXX XXXX, so I sent a debt verification letter via Certified Mail to address this letter. Now I have received a new letter dated XX/XX/XXXX with a new balance due of {$7000.00} stating XXXX in debt with XXXX in interest and XXXX in attorney fees. Included in the letter is a copy of my previous lease that ended XX/XX/XXXX. There is no verification of what is actually owed and why it is owed. The amount due is changing and the company is failing to provide me with documentation for the charges. They have put it on my credit report that I owe XXXX which is highly incorrect and damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I XXXX XXXX, have come to the conclusion regarding my three consumer credit reports have been compromised in terms of my identity. Across Equifax, XXXX XXXX XXXX there is fraudulent inquiries posted that I have attached in an attached documentation along with an auto loan that is tied to my name and an address that I have no association with. This has caused me great emotional, financial, and mental distress as this is inaccurate and in factual as I was XXXX XXXXXXXX so it is impossible for me to have taken out a loan for an auto loan. Upon my investigation and research it appears to be I was added to this account I am not the primary holder which explains that the thieves who compromised my identity used me in order to acquire this auto loan. To my understanding I did not offer consent to use my credit in the attached documentation for this auto loan or apply for any applications of credit for the attached inquiries. The Credit Bureaus have neglected to look into this matter so I am reaching out to the CFPB to get these fraudulent matters removed from my credit report as to not cause me any more harm and distress as I have already been through enough.
Product: Credit card

I made an online purchase from Rh XXXX XXXX XXXX XXXX XXXXXX/XX/year> for {$540.00} and the merchant provided a XXXX tracking number for the shipment. On XX/XX/XXXXXXXX XXXX XXXX XXXX tracking number said the package was delivered but I had not received it. I contacted XXXX and they confirmed it was not delivered to my shipping address but to a different address in the area. XXXX XXXX I attempted to contact the merchant to resolve the issue but received no response. On XX/XX/XXXX, I disputed the transaction with the Robinhood Gold credit card company and they credited the disputed amount while investigating the matter. On XX/XX/XXXX, the Robinhood Gold credit card company contacted me to tell me the dispute was declined because the merchant provided services and they recharged me for the disputed amount. On XX/XX/XXXX, I appealed the decision and responded telling them the merchant did not provide services and XXXX can confirm the package was not delivered to my address. They assured me they would investigate the matter further. On XX/XX/XXXX, I had not received any further communication from Robinhood Gold credit card company so I reached out to get an update. On XX/XX/XXXX I was informed the investigation was closed and no further action could be taken. I repeatedly asked Robinhood Gold credit card company to contact XXXX and confirm the merchandise was not delivered to my address. The Robinhood Gold credit card company repeatedly refused to acknowledge or address this request and instead repeatedly told me the investigation was closed and there are no further steps they can take. It is very clear the merchant did not provide services and acted maliciously by providing a fake tracking number but Robinhood Gold credit card company refuses to do their due diligence in the investigation and is acting in bad faith.
Product: Debt collection

Please see this complaint - XXXX, I was overseas for work for multiple years, during that time frame XXXX Resurgent Services illegally collected on a debt and took me to court. They illegally obtained a judgement against me and did not perfect service on the attempted collection. 

This company was involved with LVNV Funding LLC and XXXX XXXX XXXX colluding and illegally conspiring to collect a debt that was not valid. Using proof of an XXXX spreadsheet with my social security number does not result in affirmation of debt. 

The company now has caused harm to me, and their solution is to send me out a fraud affidavit - without recognition of the illegal summary judgement they obtained.
Product: Debt collection

Portfolio Recovery states that I owe them {$1100.00} acct number XXXX on XX/XX/18. I do not owe this debt and please have them remove it
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, the following have violated my rights.

Amsher Collection Services - Account XXXX. XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 4 hard inquiries on my credit report that should not be there. I did not apply for any credit cards on those dates on my credit report. I would like to have those removed as soon as possible, so they will no longer have an effect or impact my credit.
Product: Debt collection

I 've personally written numerous letters XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) to the each individual company and all three Credit bureaus, to have these account removed from my credit report. These account do not belong to me and are greatly affecting my credit score. Which is also damaging my quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Experian and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Remove the accounts on my file. 

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

I have already written XXXX letters and haven't gotten a response I've disputed with the reporting agency numerous of times and still haven't gotten any results.My rights are being violated under Fair Credit Reporting Act law USC s1681 ( a ) ( 2 ) ( i ) ( iii ) USC s1681 ( a ) Section 609a ) 1 ) A ) Section 611 ( a ) 1 ( A ) Section 611 ( 5 ) ( A ) you are required to promptly delete all unverified information by law.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, this account : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

on XXXX I called XXXX XXXX about my loan status listed as " In Foreclosure. '' The company is seeking a payment of {$3800.00} from me. This is an internal problem with this company.

I have receipts for my taxes, marked paid, as well as a current paid monthly Home Owners Insurance document and a signed Occupancy Certification one.

So what documentation do they have saying this loan is in default. 
Their letter of XX/XX/XXXX supports my claim.
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 ITEMS. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$100.00} ; XXXX XXXXXXXX Balance : {$480.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I have attempted to resolve this account with the creditor directly because this isn't a balance that is owed. Creditor sold this to Caine & Weiner which is not a balance that is owed. The account was closed at XXXX balance.
Product: Credit reporting or other personal consumer reports

These accounts are fraudulent and I demand they be removed from my credit report within 4 days of receiving this document per 403B in the Fair Credit Reporting Act. 

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

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Besides, the inaccurate information about my account is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$93.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of XXXX XXXX XXXX ( ORIG CREDITOR : 06 XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 11 XXXX  XXXX ), XXXX XXXX  ( ORIG CREDITOR : 11 XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 07 XXXX XXXX XXXX I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Product: Debt collection

I have received numerous number of calls from different numbers from collection agency, Capital Accounts ( original account XXXX XXXX in XXXX ) regarding {$3500.00} medical account. I have spoken to 3 different agents over the past few months regarding this account and provided each agent with the Laywer name, XXXX XXXX XXXX   and phone number XXXX to contact regarding the medical account. I advised all three collection agents that XXXX XXXX XXXX is responsible for the medical accounts due to my case was closed and any medical expenses are covered by XXXX XXXX XXXX. I called and spoke with XXXX XXXX XXXX  front office rep, XXXX whom received advisal from a nearyby in office paralegal attorney, advised that I contact medical office regarding my account and inform that my case was closed and that all medical bills/accounts should be closed and that if there was a bill due, that XXXX XXXX XXXX   has an agreement with their office, XXXX to send all medical bills/accounts regarding my account to XXXX XXXX XXXX  and not directly to me. I was also advised by XXXX   that this account should have been resolved when they closed my case at XXXX XXXX XXXX. I called and provided this information to the collection agency today, XX/XX/2019 and asked the collection agency if they have the contact information to contact XXXX XXXX XXXX, as I have provided the same information from previous calls over the past week/months in the notes for XXXX XXXX XXXX. Collection stated there are no notes on my account, after I have spoken with 3 or 4 different agents. This is on my credit with all three credit bureaus and I am not responsible for this debt. XXXX XXXX XXXX  stated and also I signed a contract stating XXXX XXXX XXXX are responsible for a medical accounts. The medical office XXXX did not send bill/account directly to the XXXX XXXX XXXX, as agreed in their contract agreement. At the time, the original creditor, XXXX   stated that they sent out letters to my address in XXXX and I was no longer at that address.
Product: Consumer Loan

HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file the date was XXXX/XXXX/2015 my ss # is XXXX
Product: Debt collection

In XXXX, 2013 I had XXXX XXXX. At the time I only had Medicare coverage. My portion was to be 20 % if the fee. The day before the XXXX the office manager called and told me I had to pay my portion, {$250.00}, or they wouldn't perform the XXXX. I had the XXXX, Medicare paid 80 %. I never received a billing statement from them. I have filed a dispute with the credit bureaus several times. No satisfactory response. They refuse to remove this from my file. I do not owe this office anything. They were paid by Medicare and me. I want an itemized statement from this office. I am living in Social Security and in a HUD subsidized apartment for senior citizens.
Product: Credit reporting

I have not been able to resolve my credit score issue with Transunion. I have been working with them since XXXX XXXX to resolve correcting my SSN # and DOB on my credit report. TU has mixed up my brother 's and my credit report which caused me not to be able to close on my home in time. I recieved the run around. I have called MULTIPLE times with no resolution and no call back from a supervisor. Their latest excuse is that it is a " computer issue. '' Because of Transunion 's error, my bank is unable to pull a credit report. The credit report has my brother 's information on it causing my score to be falsely low.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I reported to XXXX and experian ... Beginning XX/XX/XXXX, public record data collected for credit report reporting purpose including bankruptcies, civil judgement and tax lien must have common minimum 1 ) Name 2 ) Address, social security and / or date of birth. Minimum frequency of courthouse visit to obtain newly filed and updates public records of at least every 90 days. These credit reporting companies fail to removed inaugurated information on my credit report.