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

I have been disputing inaccuracies on my XXXX report and Transunion. Regarding XXXX financial. when finding all the errors regarding the account. my dispute results say updated. I have been trying for almost XXXX years now for them to fic theses errors. i wrote them a letter regarding factual inaccuracies and inconsistencies and how they must be removed and I keep getting a letter back in a wee or so stating account was updated. This is not correct. I dont know what else to do and was told to contact you and issue a complaint. on my XXXX reports, this same account is reporting different open dates, repo dates, balances, etc. I have my disputes to prove this. This has caused issues with employment and getting credit. They must remove inaccurate reporting per the law and i have been trying to get this fixed for sometime now but they seem to do what they want. its not fair they are breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hello I have had an apple card for close to 1 years now, recently someone tried accessing my apple ID, and tried to reset the password, I was diligent enough to stop them accessing my account but they called apple used my information and requested that my card account be closed on XX/XX/2023, they also reported charges I made for a video game I play online through a client called Steam, I contacted apple fraud and told them multiple times that someone tried accessing my account while I was talking to them I notified apple if anyone is trying to change my information it was not me. the next day before I leave work as I go to use my card to get an XXXX XXXX, noticed my card account was closed, I stayed up till XXXX on the phone with apple card services, and they keep telling me that I called earlier and requested that my account be closed, I said that's impossible I was at work from XXXX I had no way of contacting them, I contacted fraud and they said they will look into it, fast forward a week later and I'm talking to fraud and the said that I called verified my information and closed my account, which couldn't be further from the truth I asked if there was a way I could further verify who I was aka birth certificate, social security card or bank statements, files that only I could have access too, and they kept saying there was nothing I could do and I would have to re apply to get my account back, obviously very upset about what was happening, I put a freeze on my credit reports and put out a fraud warning across all accounts, then the next day I noticed some strange activity on my capital XXXX account, someone called pretending to be me and changed the card number on XXXX of my credit cards, Immediately called XXXX XXXX back and let them know I didn't call them to change my card number asked them to heighten security around my account because I just issued a freeze, I have an Experian account with fraud detection, and have just signed up for XXXX 's XXXX which XXXX signed XXXX the freezes with ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX alert, utilities security, payday loan lock ) I signed up for multiples freezes because I am scared of who has my information, I believe with apple card services was not being helpful at all, and I'm at risk of my credit hurting because of this, and its not my fault. though my XXXX account I'm notified of when my information is on the dark web and I have gotten notification recently that my email and password was out there as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer is reporting a debt on my credit file and it needs to be removed. I have been disputing this account and Santander keeps updating it and it is in violation. This account is not only past the statue in Utah but this is past the credit reporting limit in accordance to the FCRA guidelines!! It has been well over 7 years since I last made a payment and this must be removed immediately. You are in violation and this needs to be removed.
Product: Credit card

I had a XXXX card that was obviously sold to Comenity Bank and then eventually to Bread Bank, in XXXX At XXXX XXXX XXXX, I do check all my charges but a few weeks ago, I realized that I had a fee, not list as charges, but as fees so a different place on the credit card statement send by email. I saw a charge for " XXXX XXXX " on my XXXX statement for {$36.00}. I was upset because I have no cash advance on this card, and I never, obviously, made a cash advance. I went to the XXXX ) XXXX ) statement, and saw the same {$35.00} charge under fees, for cash advance. 

I called the credit card co, XXXX different times. I was either disconnected, or waited over an hour for any help. Finally yesterday, I decided to wait for as long as I had to, in order to get an answer. I spoke to a XXXX, who confirmed that she saw this charge and gave me another number to call. I asked for a supervisor, immediately. After a considerable wait, I did speak to a supervisor who reviewed the account, and said he was going to file an investigation. I was able to pull up my statements for 24 months only, and found this charge of {$35.00} or {$36.00} on every single statement. Again, I always review charges, but fees are listed separately, so at XXXX, this fee did not catch my attention. So we have at least XXXX fees taken on cash advance and the supervisor did confirm that I do not have a cash advance option. 
Then yesterday I sent a letter, to the comenity bank address, certified, with my concerns, shock that these were fraudulently added to my monthly fee on my credit card. I wonder how many people have been victimized by this action by this bank ( now Bread Bank, I believe ). A true money makes for the XXXX XXXX {$400.00} additional fees per credit card ( $ $ $ ). I also so a late fee XXXX and inquired about this late charge. They informed me that my payment was due on the XXXX and yes, I sent it on the XXXX, but after XXXX pm. OMG- what is this about.? I always pay my credit cards ( XXXX ) at XXXX or XXXX pm on the due date. I consider this a very objectionable practice However, the real issue is possibly XXXX years on monthly fees for a cash advance option that is a bogus one! XXXX sold or transferred XXXX accounts in XXXX and I assume that I was in that batch also. 

I want a settlement of all fees charges, interest, plus. And I also want this practice to be published so others can be aware - probably applies to those accounts transferred in XXXX. As a senior, this is so important that our age group is vulnerable to credit card card schemes, and this fee violation MUST be addressed. I also looked up comentiy and bread Bank- has had number of consumer violations. I would appreciate any advice you have for me but XXXX will Demand a monetary compensation from the credit card company ( payment, no a credit on the card! ). 
Thank you in advance for any help on this matter- I have never experience this before and so angry!
Product: Debt collection

The credit Bureaus is displaying false information regarding a debt that 's place on my accounts. The debt under XXXX XXXX is listed on all my credit reports for {$180.00}. The company sent a letter with the amount of {$110.00}. This is false reporting. I do not have an account in the amount of {$180.00} this account does not belong to me. I need proof of this account or it needs to be removed from my report with updated information.
Product: Credit reporting or other personal consumer reports

I recently noticed that my credit report contains incorrect personal information, which has led to the appearance of accounts that I do not recognize or have any connection to. These inaccuracies are deeply concerning as they not only misrepresent my financial history but also impact my ability to maintain a healthy credit profile.
Product: Credit reporting or other personal consumer reports

Violation of XXXX XXXX XXXX XXXX ( XXXX ), XXXX of XXXX or XXXX XXXX. 
I am writing to inform you that I recently obtained a copy of my consumer report from Equifax and discovered that the following account has been reinserted into my credit file : Creditor : XXXX XXXX Account Number : PRIVATE Reason : This account was reported without my written consent and is the result of alleged identity theft. It must be deleted within four ( 4 ) business days of receiving this notice, as mandated by XXXX XXXX. XXXX. This account is unrelated to any transactions authorized by me. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX XXXX. XXXX, and more precisely XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer reporting agencies are required to maintain reasonable procedures to prevent the reappearance of deleted information. I expect Equifax to provide proof that such procedures were in place, or this account must be deleted immediately. The ongoing reporting of this inaccurate information is defaming my character and depriving me of my rights as a consumer, causing unnecessary mental distress when applying for credit.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a cash balance in my wallet at ftx.us. I had my checking account attached where I could deposit and withdrawal money to my ftx.us account. On XXXX XXXX 2022 I sent a withdrawal from my cash balance to my checking account and I received a confirmation that the withdrawal was accepted and it would take 3 to 5 days to get the money. I never got the money. The balance in my ftx.us wallet is negative and shows the amount I withdrew to my checking account. Where is my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I received notification from XXXX that a hard inquiry was placed on my credit report. Someone applied for a credit card with Comenity Bank under my name. I have not applied for any credit cards recently. There is already a fraud alert and Comenity Bank should not have allowed an application to proceed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX XXXXXX/XX/year> : XXXX XXXX XXXX XX/XX/year> :
Product: Mortgage

" Reference to People United Bank ''. I fell behind on my loan and before People United Bank ( Formerly XXXX XXXX ) and I went to reinstatement my loan the judge allowed them {$15000.00} in attorney fees. At the time of the reinstatement, they invoiced me {$54000.00} for attorney fees and another {$5000.00} in committee fees. So at the reinstatement, I had to give the bank {$59000.00} or lose my house. That didn't include the {$600000.00} that they had requested that I also paid. They said if I didn't pay them everything they would foreclose on my property. The Bank totally disrespected and disregarded the judge 's order. The breakdown consisted of 6 bullet points with two to five-word breakdown on each. Nothing more explaining how they came up with any of their numbers. The banks closing sheet changed 3 times over the two months prior to closing by {$31000.00} in their favor. They clearly had no accountability for their numbers. After the closing, I emailed to ask for a breakdown and a credit for the fees. The sent me two small checks at different times stating they had overcharged me at the closing on the interest and escrow. After that, there was radio silence and XXXX XXXX didn't return my calls or emails. I received a letter that People United Bank bought out XXXX XXXX. I guess XXXX wanted to make their books look as good as possible even at the cost of their clients. I then notified CFPB and received partial credit for the overcharge of attorney fees and committee fees in the amount of {$13000.00} still leaving a balance owed to me after also deducting for the {$15000.00} ordered by the judge of {$30000.00}. I guess they thought giving me something would make me go away. I finally spoke with XXXX XXXX XXXX loan operations a few times at Peoples United Bank. He promised me about 6 weeks ago that he would get me a DETAILED break down of the closing. I have never heard back from him nor have I received any of my overpayment back. I left him a message a few weeks back and still radio silence. This seems to be the protocol for the way they do business. I keep trying to work with the bank before going back to the judge and having to waste more money on attorney 's fees.
Product: Debt collection

I have never done business with Southwest Credit Systems. They have sent me bills in the mail requesting payment and threatening me if I do not pay them. They have violated multiple FDCPA laws. 

I am demanding they stop harassing me. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692d. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692c. ( b ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 3 ) CEASE AND DESIST- Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged dept, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out balance on the account. 
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. 
Deletion from all consumer reports.
Product: Debt collection

First, I attempted to contact a technical college called XXXX XXXX XXXX XXXX XXXX that I attended for a short time in 2013 due to a debt appearing on my credit report. I have found that the company/college has since gone out of business. 

Next, I attempted to contact the collection agency listed on my credit report which is Partners Financial XXXX XXXX XXXX Fenton MO XXXX ( XXXX ) XXXX. While speaking to the agent about this debt, I asaked how I could contact the intended payor from their account trying they were trying to collect for. 

What then happened the agent was rude stating that I already contected this charge. The agent abruptly stated that since I attended the college, I owe the debt. 

When I asked who they were going to give my money to since the company they are collecting for is defunct, stated " The XXXX XXXX XXXX XXXX ... '' I asked again how are you going to give money to a company that no longer exists? 

I then asked for the information of who the debt was being collected on the behalf of and the individual would not provide me the information and then I was put on hold and no one returned. I then called back and was then transferred to a mail box. 

In conclusion, I believe that the debt was being collected fraudulently. Second I believe that I have no recourse with the entity that states I owe this debt because it is now out of business. The agency attempting to collect the debt may be a forgery and or scam because the lack of transparency. 

This agency has attempted to call me numerous times in order to attempt to collect on a bill that I believe they are illegally attempting to collect.
Product: Credit reporting or other personal consumer reports

I submitted an account dispute on XXXX XXXX, 2024, concerning the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, in a second letter, I requested the deletion of the following inquiries from my report, as I did not provide authorization for these companies to perform credit checks : XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX In both letters, I specifically instructed TransUnion not to send a response unless they were providing verifiable proof regarding the disputed accounts and inquiries. However, I have received an automated response, which I believe is an attempt to stall instead of addressing the dispute as required by law. I have provided all the necessary documentation to verify my dispute. 
As stated in my previous letters, I made it clear that sending a computer-generated response claiming you ceased investigation due to suspicions of third-party credit repair involvement would be a violation of the Fair Credit Reporting Act ( FCRA ). This tactic, which appears designed to grant you additional time to comply with my original request, will not be tolerated. Please consider this your final warningfurther delays will result in legal action. 
I expect prompt resolution of this matter, as required by law, and the removal of the disputed inquiries and any unverifiable information from my report. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, DP OF EDUC Account # XXXX, US DEPT ED Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, has violated my rights 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX i sent a certified letter to NCC Business Services requested that they validate an account that they put on my credit to the credit bureaus. The letter was delivered and NCC have yet to respond. Per the fair credit ACT they have 30 days to respond or remove the account if they can't validate. This is very damaging to my reputation as a business woman and has hurt me financially.