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

I am writing to file a formal complaint concerning my multiple and unsuccessful attempts to have inaccurate addresses, collections, and inquiries removed from my credit report. Despite my persistent efforts, these inaccuracies persist, adversely affecting my creditworthiness. 

The specific issues I am disputing are as follows which needs to be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX. 

I initiated my initial dispute with your bureau, providing all the necessary documentation to support my claims, including evidence of the inaccuracies related to addresses, collections, and inquiry. 

Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Unfortunately, despite my diligent efforts, the inaccurate addresses, collections, and inquiries persist on my credit report, causing undue financial harm. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and rectify these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Product: Debt collection

Insurance policy was canceled one month before renewal anniversary date XXXX XXXX last month was paid XX/XX/2024 by XXXX XXXX XXXX # XXXX for {$220.00}. Bank posted paid on XX/XX/2024. I was contacted by collection company XX/XX/2024 for claiming the amount is unpaid.
Product: Credit card or prepaid card

This PENTAGON FCU XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


PENTAGON FCU XXXX
Product: Credit reporting or other personal consumer reports

I noticed some unfamiliar items on my credit report that XXXX indicate identity theft, as I did not authorize these accounts. Ive raised this issue before, and I urgently request that these accounts be removed from my report. Their presence is causing me significant stress and does not accurately reflect my credit history or financial management. If we can not resolve this promptly, I am prepared to pursue legal action to protect my rights. These inaccuracies are seriously hindering my financial goals, such as purchasing a home and supporting my family. I hope we can address this issue swiftly. Thank you.
Product: Credit reporting

Ive been homeless in a shelter in XXXX for the last 2 years but my report says a mortgage leoan is out in my name as of XXXX XXXX and a bank card is out in my name as of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed with these companies ways of investigating. On XX/XX/2023 I sent the creditors and bureaus a letter and all supporting documents that proved I am a victim of identity theft/fraud and that the accounts and inquiries that are reporting are incorrect an must be removed, deleted, blocked from all 3 of my credit files. I asked for the step by step procedure on how they were able to verify this information and both creditors and bureaus failed to do so. I will be forced to take legal action and I will be contacting the XXXX XXXX XXXX and the attorneys general if this matter isn't resolved asap. I will give you all one more chance to get it right and remove these fraud accounts that I am not liable for because I am a victim of fraud.
Product: Credit reporting or other personal consumer reports

This company was issued CFPB complaint XXXX on XX/XX/year>, regarding an alleged debt appearing on my credit report that I do not owe. To date, they have failed to respond. Additionally, I have received mailed correspondence ( attached ) showing a balance and settlement amount that do not match the debt reported on my credit file. This raises serious concerns about the company 's business practices, as it appears they are attempting to collect money through deceptive means. 

The alleged original creditor has yet to verify this debt, which further calls its legitimacy into questionespecially given the inconsistent balances being reported by the collection agency. Furthermore, my initial complaint included proof that this companys right to transact business in Texas has been forfeited. Despite this, they continue to report a disputed debt without notifying the credit bureaus of the dispute, violating federal regulations. Additionally, they have ignored my cease-and-desist request by sending further communication via mail, which also contains details that do not match what is being reported. 

Due to these ongoing violations, negligence, and failure to comply with the law, I demand the immediate deletion of this account from my credit report within XXXX business days.
Product: Student loan

I received a letter in the mail in XX/XX/XXXX from Principe & Strasnick , P.C . Attorneys at Law charging me a private loan for XXXX XXXX XXXX XXXX XXXX of {$5000.00}. on XX/XX/XXXX I emailed XXXX XXXX back a authorization letter with my bank information and signature for them to process a monthly payment of XXXXXXXX XXXX  on the XXXX of each month to pay off the owed amount. I had spoken to them on the phone that day as well to discuss the owed balance of {$5000.00} which they told me it includes interest charge as well. This letter was the 3rd time I had received it, the first time I thought it was a scam letter and the 2nd time I called them and they told me they need to collect a debt balance for the school I went to from XXXX to XXXX which was only a 6-7 month program for a certificate. I received the certificate in XXXX for medical office assistant and they had no graduating ceremony for us and they did not want to give me my certificate until I went to go pick it up. The school was not a great school for me because they were low staffed with teachers and did not have all the medical equipment needed in order to learn. They are to over priced for a technical school just to receive a certificate. I would never recommend this school to anyone because they make false promises to students just to bury them with a huge amount of federal and private loan. Right now my federal loans for this school are on pause which they are thru XXXX because of the pandemic except this private one they are pushing me, harassing me to pay it off all at once. The attorney on the phone asked me if I can pay off the whole sum of {$5000.00} which I could not because I do not have that much money to pay that to them so they started bargaining and said they can reduce it to XXXX if I can pay it off all which I still could not, so they told me I can set up a payment plan with them and they asked me how much I can do each month, I told them XXXX $ a month is what I could afford and they said okay and emailed me they're authorization form to include my bank information and signature so they can deduct that amount the XXXX of each month starting XX/XX/XXXX which they never did. They made a court case with XXXX District Court in Massachusetts for XX/XX/XXXX for me to attend for this balance without ever taking any payment plan I had already made with them back in XX/XX/XXXX. I was willing to work something out with them and they did not take out the balance because they must want the full amount of {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

I have been contacting this company since XXXX, they have no contact number. It is very hard to communicate with this company for my son 's money. I have not received an adequate answer back from them just generic letters with no official signatures. They have all the information they need to complete the request and I will submit it again through this website. Let 's see what the response will be then.
Product: Debt collection

Macy 's is reporting that I owe {$1700.00} on account # XXXX. Several months ago, Macy 's issued a XXXX, cancellation of debt form, in relation to this balance. Furthermore, they now refuse to accept payment. 

Since they have cancelled the debt, and refuse to accept payment, they should update the owed balance to {$0.00} owed at the credit bureau level. They should not be able to issue this tax form, refuse to accept payment, and continue to report that I have an owed balance. That is not fair, and they are holding my credit profile hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continual 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 alleged fraud or extortion. 
XXXX XXXX XXXX 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
Product: Debt collection

Collection Bureau of FWB XXXX XXXX XXXX. 
XXXX XXXX All three of these companies have threatened legal action against me for services rendered for medical treatment. These companies had said that they will ruin my credit rating by notifying all credit bureaus of amounts due. 
I am on Medicaid and a fixed income and not able to pay any amount over what Medicaid pays for my medical treatment of XXXX and other major health problems
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an entry on my credit report with Trans Union concerning XXXX XXXX and the only response I receive is verified information so how is it verified information if the courts do not report to the ( XXXX XXXX XXXX XXXX Agencies in which I have included a letter stating that and XXXX  also has stated they do not report to the credit reporting agencies it is also included so if the information is not verified from the original creditor how is it verified information? 
I have asked for validation of notice of how and from whom this information was verified with and no response the only letter I receive back is verified information which is not verified cause the original creditor does not report to the credit reporting agencies.
Product: Debt collection

Loan was opened by mother who has similar name and signature as me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with  XXXX  from  XXXX  in  XXXX  of    2016  about my vehicle. I advised him that I will no longer be keeping the vehicle as my grandmother had passed on her vehicle to me which has no payment. I received several calls from the dealership trying to convince me to keep the vehicle. On  XXXX / XXXX / 16 , my vehicle was finally picked up. Since this time the dealer and owner  XXXX   XXXX  has not followed proper protocol in selling the vehicle as required to satisfy any remaining balance at the time. Instead it has been intentionally reported as an open auto loan on my credit report with a rolling unpaid balance each month. I have disputed this account several times with the dealer directly, with Equifax and with the Flori da Dept of Agriculture. The dealer would verify falsely verify the item as correct. When in fact it is not. Equifax would not conduct a fair and reasonable investigation, but instead used  XXXX  although I requested otherwise by certified mail. There are numerous inaccuracies besides the fact that I no longer own the vehicle. The dealer is claiming to be holding a vehicle for me which is also false, this is an attempt to conceal the fact that he/they have not complied with the laws both State and Federal pertaining to debt collection and reporting.
Product: Credit card or prepaid card

On XX/XX/, I traveled on Spirit Airlines ( Bank of America ) from XXXX XXXX to XXXX XXXX with one backpack to avoid paying any bag fees. My backpack was approved by the ticket agent and at a secondary bag inspection point. 

Upon boarding the plane, I was pulled aside and informed that I would now have to pay a {$99.00} fee because my backpack was too large, even though it already approved and was within the dimensions dictated by Spirit Airlines. I reluctantly paid the {$99.00} and boarded the plane. 

Upon returning home, I was able to board the plane in XXXX XXXX with the same backpack without having any issues ; my bag was Free as it should've been in my departing flight. 

I made a complaint with Bank of America and on XX/XX/, Bank of America denied my complaint and approved the {$99.00} charge stating that Spirit Airlines had the right to request payment for services rendered. 

Bank of America and Spirit are in business together. Without Bank of America, you can not have the Spirit card, and vise versa. Bank of America stated that their decision is final. So now I have to pay {$99.00} for a backpack that should've been Free. 

I believe this is a scam utilized by Sprit Airlines and backed by Bank of America. I have the departing and returning tickets, fees and correspondence from Bank of America. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX And my Information was stolen. Thieves are continuing to try and use my information to get goods and render services in my name. It has stopped me from getting a house and a car. I originally filed my fraud alert on XX/XX/XXXX. As of today, the fraudulent accounts are still reporting to my credit.And I don't Know why.. 

These Account are not mine and I have no clue how they got there. and its hindering me from progressing financially XXXX   XXXX  XXXX/XXXX XXXX {$480.00} XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX/XXXX XXXX XX/XX/XXXX {$270.00} XXXX bank XXXX XXXX XXXX XX/XX/XXXX {$300.00} EQUIFAX XXXX XXXX/XXXX XXXX {$480.00} XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX/XXXX XXXX XX/XX/XXXX {$270.00} XXXX bank XXXX XXXX XXXX XX/XX/XXXX {$300.00} INQUIRY- XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX {$480.00} XXXX XXXX bank XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX/XXXX XXXX XX/XX/XXXX {$270.00} XXXX bank XXXX XXXX XXXX XX/XX/XXXX {$300.00} Please Remove these fraudulent accounts from my credit report. My information was compromise and I strongly believe my information was victimized by the breach. I do not know where the accounts came from nor did I open any of theses accounts. 

I am currently in the process of consulting with my lawyer on weather I not to proceed with a lawsuit if the accounts are not removed Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vice President XXXX XXXX XXXX XXXX XXXX XXXX Fraud and XXXX XXXXXXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX Senior Vice President XXXX XXXX Theft Equifax LLC XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX vice president chief legal XXXX Equifax llc XXXX XXXX
Product: Debt collection

I was incarcerated for three years and somebody had opened up a card and made XXXX and something dollars and purchases from a company called spring Oaks capital LLC I have disputed this multiple times contacted them disputed it online due to identity theft somebody opening a card in my name while I was incarcerated and its affecting my credit and now when I contact them, they want me to give them one of my cards so they could tell me where the charges were made and everything it just sounds super sketch like some fraud stuff going on, but Id like to have these charges erased off my credit history because its affecting my credit and I didnt do it. Hope to hear back from you guys as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

incorrect information on my credit report XXXX XXXX, experian for my name and address. 

my name is XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, marlyland XXXX
Product: Checking or savings account

On XX/XX/XXXX, I made a cash and check combined deposit in a Wells Fargo branch. I made a total deposit of {$940.00}, at XXXX XXXX. At XXXX XXXX  the same day, a deposit of {$3300.00} was made into the same account. I did not make this deposit. The same day ( time stamp missing ), a withdrawal of {$400.00} was made from my Savings account. I also did not make this withdrawal. 

On XX/XX/XXXX, I contacted Wells Fargo Fraud Department. I lodged a complaint about both the deposit of {$3300.00} and the withdrawal of {$400.00} as being unauthorized. The representative I spoke with told me this was a common scam. I received a letter that my complaint of {$3300.00} had been corrected, and this was corrected on XX/XX/XXXX. On XX/XX/XXXX, I noticed that the {$400.00} withdrawal had not been corrected. I called the Fraud Department again and was told that investigators found that there was no reason to believe that that was a fraudulent transaction. I requested the case be reopened, and was told that someone from Wells Fargo would contact me within two business days. Today, XX/XX/XXXX, I checked my online account and had no claims activated, nor has anyone from Wells Fargo reached out to me.
Product: Checking or savings account

My name is XXXX XXXX and I am a business owner who uses Square to process my payment but Square has decided to close my account and stole my funds and now I can not withdraw my money. 

Square is always doing this to other people and they would not tell me when my money would be available. 

The email associated with my square account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I pulled up my account on  XXXX  and I noticed  XXXX  hard inquiries on my report within the last 6 months. Half of them I do n't even recognize or was pulled without my consent. I do n't even know what   XXXX   is to begin with. There are way too many inquiries from   XXXX   XXXX  . I do n't have an account with  XXXX   XXXX   XXXX ,  XXXX   XXXX , or  XXXX   XXXX . Because of this I ca n't get approved for a new credit card that has good approval ratings as I have too many inquiries created in an abnormal amount of time or get a loan. I have been paying my card back on time every month so my credit score should n't be  XXXX . It should be well over  XXXX  or  XXXX .     I will list them below   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX 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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Bank of America denied my loan modification application in a letter dated XX/XX/2017. The denial letter is attached. Bank of America stated in the denial letter that I was not eligible for " Repayment Plan '' or " Capitalization Modification Program '' because " your account does not meet the delinquency requirements under program guidelines ''. 

In response to these specific denial reasons provided by Bank of America, I sent Bank of America a request for information dated XX/XX/2017, to confirm that Bank of America correctly evaluated my loan modification options. The request for information is attached. One of the questions I asked was What are the delinquency requirements for " Repayment Plan '' and " Capitalization Modification Program ''? 

Bank of America sent a response dated XX/XX/2017. Bank of America 's response is attached. Bank of America failed to provide the requested delinquency requirements for " Repayment Plan '' and " Capitalization Modification Program ''. 

Since Bank of America denied my loan modification application with the reasons that " your account does not meet the delinquency requirements under program guidelines '' for " Repayment Plan '' or " Capitalization Modification Program '', I am entitled to the information when I request what those delinquency requirements are. I, as a consumer, have no way of confirming whether Bank of America correctly evaluated my loan modification options when Bank of America refuses to provide the delinquency requirements that Bank of America used to deny my loan modification application.