23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed a debt with TransUnion 4 times with no response but the two accounts are still being reported on my credit report. I have even used certified mail and had them notarized. I have requested viable evidence with my name and signature. I also requested name of creditor and was provided with incomplete information on the accounts and a false number when I tried calling the company 's number provided its an automated service trying to sell me things. I can not believe unverified accounts with no accounts numbers, incomplete addresses, and incorrect phone numbers can be reported on my credit file and that I have to do a years worth of work and it's still being reported. 
The accounts being reported are below. 

XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent inquiries that I did not authorize
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this message finds you well. 

I am writing to bring to your attention an issue I am facing due to a nationwide cyber attack that affected my bank on XX/XX/XXXX. This incident caused delays in the processing of my payments, and I received a letter from XXXX acknowledging the situation and requesting that merchants take it into consideration. As a result, my payments were not released for approximately XXXX to XXXX  days. Although my XXXX payment to XXXX XXXX  was posted on XX/XX/XXXX, the disruption caused by the cyber attack has negatively impacted my credit report. 

This incident has been reported to all XXXX  credit bureaus, and I am seeking your assistance in rectifying this issue, as it was beyond my control. I kindly request the removal of the negative report related to XXXX. 

I would greatly appreciate any help you can provide in getting XXXX XXXX  to reverse the negative impact this situation has had on my credit history. For your reference, I have attached the relevant letters from my bank. 

Should you need any further information or have any questions, please do not hesitate to reach out. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

A wire transfer on my account for the amount of XXXX and i didn't do it the bank didn't contact me about it and didn't even get a text about so I believe it was a inside job and now they are telling me that I did the transfer I have never did a wire transfer don't know how to do a wire transfer didn't know nothing about a wire transfer unit XXXX sheen it on my bank account so now they are telling me that I want get my money back i need help with this
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint and seek immediate assistance concerning fraudulent inquiries on my credit report resulting from an identity theft incident that occurred several years ago. 

Recently, I reviewed my credit report and was alarmed to find multiple unauthorized and fraudulent inquiries. These inquiries are significantly affecting my credit score and overall financial well-being. As a victim of identity theft, I have already contacted the relevant credit bureausXXXX XXXX, and TransUnionto report these fraudulent activities and request the removal of the unauthorized inquiries. Despite my efforts, these inquiries remain on my credit report, causing me continued distress and harm. 

Please remove the following fraudulent inquiries : 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 I kindly request the Consumer Financial Protection Bureau 's urgent intervention in this matter to ensure that these fraudulent inquiries are removed from my credit report promptly. I have taken the following steps to address this issue : Contacted Credit Bureaus : I have submitted formal disputes with XXXX, XXXX, and TransUnion regarding the fraudulent inquiries, providing all necessary documentation to support my claims. 
Filed Police Report : A police report has been filed regarding the identity theft incident, and copies have been provided to the credit bureaus. 
Placed XXXX Alerts : I have placed fraud alerts on my credit files with the major credit bureaus to prevent further unauthorized activity. 
Despite these actions, the fraudulent inquiries persist, and my attempts to resolve this directly with the credit bureaus have been unsuccessful. The prolonged presence of these unauthorized inquiries on my credit report is unjust and is causing undue hardship. 

I have attached a copy of the police report from when my vehicle was broken into and my identity was stolen, I also attached a copy of the latest FTC Report that I filed last year. 

I implore the CFPB to assist me in ensuring that the credit bureaus adhere to their legal obligations to investigate and remove these fraudulent inquiries promptly. Please find attached copies of my dispute letters, police report, and other relevant documentation for your reference. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance in resolving this issue and restoring the integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security number, address, birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of c
riminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethica
l behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting or other personal consumer reports

this Person ( XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by XXXX XXXX that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX  furnished to my consumer report I did not give written permission to. Also, they have violated FDCPA unfair Practices and by law are liable to pay up to {$1000.00} for each violation under Civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open dispute over 30 days because XXXX checked my credit without my knowledge or consent, thus, did not have a permissible purpose for placing a hard inquiry on my TransUnion credit file on XX/XX/2020. XXXX refuses to remove the inquiry speculating that " either you or someone with your information applied for credit '' so to dispute the inquiry with TransUnion which I did twice. However, I have since learned after filing two disputes and numerous email exchanges and conversations with XXXX  executives that basically I have no right to privacy and consumer laws are ignored unless you pay the FCC and an attorney. In other words, anyone can check my credit anytime they feel like it, change information on your credit file to false information, and that if the CRA is TransUnion that it will not demand any validating documentation a.nd will not protect the consumer
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately reporting an account on my credit report, despite the same account being removed from both XXXX and XXXX due to inaccuracies or unverifiability. XXXX has failed to properly investigate my dispute and continues to report the account on TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ). This inconsistent reporting is damaging to my creditworthiness. The account in question has already been removed by XXXX and XXXX, indicating its inaccuracy or lack of verifiability. However, it remains on TransUnion. 
XXXX has claimed the account is being reported correctly but has failed to address the discrepancies across credit bureaus. 
I have requested a reasonable investigation as required by Section 611 ( a ) of the FCRA, but XXXX has failed to resolve the inaccuracies. 
Laws Violated : FCRA Section 607 ( b ) : Credit reporting agencies must report information with maximum possible accuracy.

FCRA Section 623 ( a ) : Furnishers must ensure the accuracy of the data provided to credit bureaus.

FCRA Section 611 ( a ) : XXXX failed to conduct a reasonable investigation into my dispute. 
CFPA ( Consumer Financial Protection Act ) : XXXX 's refusal to correct inaccurate data may constitute unfair and deceptive practices.

attached you will find a copy of my most recent utility bill for proof of address, my id, my social security car, a screenshot of the account removal from XXXX, a copy of my FTC complaint and my formal letter with the complaint
Product: Credit card or prepaid card

When I contacted Discover Card regarding a refund from XXXX XXXX for bait and switch tactics they were at first very nice and cooperative and sympathized with me. Then they decided the opposite and went against me and then claimed they were no longer a credit card company but a " document company '' and thereby reversing my refund. XXXX has bribed Discover to never allow refunds, which is legalized theft. Bogus " credit '' with an airline simply is a lie as I have shown Discover and they continue to ignore the theft. Keep in mind I'm being punished for NOT allowing myself to be stolen from hence the cancellation of my trip when the price kept going up and up and up for no real reason so I just stopped the whole transaction and have to pay them for nothing and their claim of a credit is a lie.
Product: Credit reporting or other personal consumer reports

The following credit card account and hard inquiry currently listed and showing on my Experian and Equifax credit report is fraudulent, unauthorized and not my credit card account or hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After a recent review of my credit report, I discovered an entry indicating a bankruptcy claim associated with my name. Upon further investigation, I have determined that this claim is inaccurate and not reflective of my financial history. It is annoying and distressful that this fraudulent bankruptcy keeps on persisting on the credit report. Regardless of its fraudulent identity, as the credit reporting agency, this account should be removed already as it has already been for more than 7 years! 
The details of the bankruptcy claim are as follows : Bankruptcy XXXX XXXX-discharged Reference number : XXXX PLEASE DELETE!!!! 
I am formally disputing this bankruptcy claim and kindly request your assistance in conducting a thorough investigation into this matter. I understand the importance of accurate credit reporting and the impact it can have on my financial standing. Therefore, I request your prompt attention to this matter to ensure the timely removal of the erroneous bankruptcy claim from my credit report.
Product: Debt collection

First, I want to state that this website did not provide the proper description of what my issue is, so I had to choose the option that affected my credit even though that is not the correct choice. I got overextended financially and became delinquent with my payment to Capital One, a credit card company. As a result, I was contacted by a representative of their company, XXXX XXXX, XXXX, XXXX. I acknowledged the debt, and on XX/XX/year>, I signed an agreement to pay them {$200.00} per month until the debt was paid in full. The written agreement was filed with the XXXX XXXX, GA XXXX XXXX. Here is my complaint : Since I signed that agreement, I have NOT received a written statement listing my payments or outstanding balance. No one has ever answered the phone when I've called so I've been forced to leave messages. Only once has anyone ever attempted to return my call. Unfortunately, I missed their call but attempted to call them back, only to receive voicemail again. In XX/XX/year>, I sent them a written request for this information but have yet to receive a response. I signed their agreement in good faith and have never missed a payment since. I feel it is their responsibility to provide me with an accounting of my payments and outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my consumer report unless otherwise noted in section 604 of FCRA.
Product: Credit card or prepaid card

Synchrony Bank - The only creditor I have that decided to randomly check my credit during COVID did so twice in a 5 month period. XX/XX/2020 decreased my limit from $ XXXX to {$4900.00} claiming my credit score dropped to XXXX when in fact my score in XX/XX/2020 was XXXX. A second time, XX/XX/2020 decreased my limit from {$4900.00} to {$4200.00} this time claiming it was because I had no real estate. 

They did not reach out to me to tell me prior, they did not reach out to see if I needed assistance during COVID like every other creditor I have. Instead, they decreased my limit, which as we all know negatively impacts my score. 

Today, while going through my account, I notice another fee of {$240.00}, I come to find out they are late fees, however I have never been more than a few days late, and that is mostly because a weekend could have passed and my bank didn't send it. Apparently, they offer no grace period, which is completely absurd considering I also always pay more than the minimum payment so that I have it paid off before the interest kicks in. They never informed me of being late or that there were fees associated and that there was no grace period. Not even for a few days. That is completely unfair. They are personally hurting my credit and now basically stealing from me.
Product: Debt collection

Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type XXXX Original Creditor Name - Months Reviewed XXXX Activity Designator - Terms Frequency DEFERRED Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$2300.00} XXXX XXXX - High Credit {$2100.00} Date of First Delinquency - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency - Comments and Contact STUDENT LOAN - PAYMENT DEFERRED FIXED RATE For questions regarding this account please contact : DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ) XXXX Date Company Address Request originator XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX Soft Inquiries Date Company Description Request originator XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX ID XXXX XX/XX/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 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 XXXXXXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original XXXX Owed {$420.00} Amount {$420.00} Status Date XX/XX/XXXX Status UNPAID Comments XXXX Balance Date XX/XX/XXXX Account XXXX XXXX INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of First Delinquency XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX to work out a payment arrangement. Their website was trying to give me a deferral and I didn't need a deferral, I could payt but needed the payment reduced some. Upon speaking with a XXXX representative, I was informed that unless I paid the full OVERALL past-due amount, my credit report would not reflect an updated payment status. I have a recorded call where your representative explicitly stated this. However, I find it misleading and unfair that seven ( 7 ) accounts are reported as delinquent when they are managed under one ( 1 ) account on XXXX website, which reflects ONE FULL PAST DUE balance due. If the website give your balance due - if you are reporting XXXX individual accounts, I should get to see 7 past due accounts on your website and should be able to pay however many I am able to.

The impact of reporting all seven ( 7 ) accounts as 90+ days late has severely damaged my credit score, dropping it by XXXX points. This reporting practice does not seem ethical, and the collection practices are giving deceptive. Especially considering I was not given the option to pay the accounts individually to prevent multiple late marks. I have been actively making efforts to pay and did not require a defermentonly a payment adjustment. 

Given these circumstances, I urge you to reconsider and correct the reporting of these accounts to reflect a more accurate and fair assessment of my creditworthiness. I would appreciate your prompt attention to this matter and a written response confirming the resolution. 
Thank you for your time and consideration. I look forward to your response.
Product: Payday loan, title loan, or personal loan

I borrowed {$1800.00} from CashNet USA and have repaid {$2000.00}. The company has received ALL of its loaned amount back plus some. They problem still planed to collect another {$1300.00} to get {$3300.00} for the {$1800.00} borrowed. Outrageous! 

OnXX/XX/XXXX I filed a CFPB complaint about the excessively high fees. 

CashNetUSA reaches out to me and a payment arrangement was proposed. At this time it is important to note that I had missed no payments. I was now to pay {$550.00} with my next payment not due until XXXX XXXX. 

The same day this arrangement was made CashNetUSA sent me an email filled with fraudulent information! It stated : * As a result of several missed payments ... LIE! I had missed ZERO payments! 

* the full outstanding balance of {$1400.00} is now due and payable ... LIE!!! I was to only owe {$550.00}. 

I immediately contacted the company to dispute the above. I was told Please ignore the email that was sent today XX/XX/2020. I was expected to simply ignore their attempts to scare me into paying {$1400.00} ... which you can see is MORE than the {$1300.00} I originally was told to pay and nearly TRIPLE the {$550.00}. 

Due to this FRAUD and harassment, I ask CashNetUSA to accept ONE FINAL payment of {$350.00}. CashNetUSA will then have received {$2300.00} for the {$1800.00} borrowed ... {$540.00} in fees which is a rate of 30 %!!
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX ) contacted me on XX/XX/XXXX asking for a balance of XXXX Being this matter more than XXXX years old I had to retrieve all the data to respond to the email. 
On XX/XX/XXXX I responded that I requested back in XXXX clarifications about their invoice that I was disputing back then ( XXXX years ago ) to which no answer was ever received. In short, the clarifications and corrections requested in XXXX were not addressed yet. 
XXXX replied with a mail that did not address any of my concerns on XX/XX/XXXX. I replied the same day asking to review the email that was sent in the past because the invoice had some errors and some amounts had to be verified. 
On XX/XX/XXXX I finally received a ledger that I've been asking for almost 3 years to review all the charges. 
After I found the time around the holidays to review the ledger, I provided a response On XX/XX/XXXX with the corrections that the Invoice needed to have addressed and the amounts that had to be yet to be verified. I want to be precise that the request was not much different from the previous one. In the meanwhile XXXX adjusted the Invoice by reducing it to XXXX, which is less than half of what was initially requested. I want to point out that ASKING FOR PAYMENT USING AN INCORRECT INVOICE IS FRAUD. 
On XX/XX/XXXX I followed up on the email sent on XX/XX/XXXX because I did not receive any response and wanted to sort this out. 
On XX/XX/XXXX XXXX responded claiming that they no longer have my account ant to contact XXXX to resolve. 
On XX/XX/XXXX I received a notification that My credit score lost XXXX points because apparently, CPCI put a negative note on it.

CPCI NEVER SENT A CERTIFIED LETTER TO VALIDATE THE DEBT and never contacted me via email. To my knowledge this is illegal and against the regulatory agencies that oversee Credit Collectors. 
XXXX was asked, together with the corrections on the amounts to also correct the reason to moving out which was XXXX, This was clearly stated in the email sent to Management on XX/XX/XXXX when the XXXX notice was given.