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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED HELP!! I have recently looked at my credit report I noticed that someone was using my information to apply for credit. I live in XXXX I use to live in XXXX. I need to update my correct name and address on my credit report. My Name is XXXX XXXX  XXXX. mY CURRENT AND ONLY ADDRESS IS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX. THE FOLLOWING ADDRESSES ARE NOT MY PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THERE ARE TONS OF UNKNOWN CELLPHONE NUMBERS ON MY CREDIT REPORT PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have never had this many phone numbers in my life please delete them they are not accurate.
Product: Credit reporting

On XX/XX/2016 I contacted Experian to re-investigate XXXX Bankruptcy entires on my credit report, 2 days later I received the results in the mail, not only is Experian still reporting wrong information. They re-inserted a Public record that was deleted XX/XX/XXXX. This proves to me that Experian is being very unprofessional and vindictive when they are caught reporting wrong information from unreliable sources. please investigate.
Product: Student loan

My personal banking services emailed me a notice of overdraft due to insufficient funds. I checked my account and saw that Mohela my student loan servicer processed an auto debit amount of {$1500.00} on XX/XX/2023 but my monthly payment is suppose to only be {$190.00} per month as stated on my monthly bill. I called Mohela to discuss the matter and their representative informed me it would be refunded to my account within 24 hours, unfortunately this was not true. I called Mohela again on XX/XX/2023 informing them the funds have not been refunded. 

My biggest concern is how this is impacting the millions of borrowers as many people can not afford the time or resources to constantly call their servicer and be on hold for hours and many do not have the means to be depleted of their personal finances due to loan servicer 's mistakes. This is an issue of administrative mistakes that serverely impacts those who are even more underprivileged. In no other business/organization would be able to wrongfully charge consumers thousands of dollars and still be operating without putting a halt to their payment processing until issues have been resolved. Another customer representative informed me they had wrongfully charged another borrower their full loan balance! There has been no accountability for their mistakes and the level of wrongdoing is appalling. 

Loan servicers mistakes are severely jeopardize consumer 's financial resources and put consumers at risk of their housing/rent/mortgage timely payments. 

I truly hope CFPB takes this matter with utmost importance to ensure this is not another system perpetuating inequality for undeserved populations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I received an email from Experian Alerts ( XXXX  ). The email informed me that my credit rating had dropped by XXXX points. What they didn't notify me, was the reason for such a significant drop. There was a link to my Experian account which I opened. A report informed me that my credit score had dropped by XXXX points to XXXX. It further alerted me that lenders would now consider me a higher credit risk. 

I contacted my bank to review my revolving accounts and they admitted that they do report financial information to Experian, but after a thorough review could find nothing to support any reduction in credit rating. A point of fact is that all my accounts are listed as exceptional and top rated. 

The two other credit rating bureaus, XXXX and XXXX, have not dropped my credit rating, and have in fact increased it during the same time of the Experian action. 
Everything I am submitting can be easily verified, and I have all supporting documentation to strengthen my position. Citizens who follow all the credit rules should not be treated this way. I need your help to correct this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. 

Your agency is in violation! 
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 XXXX 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.

Delete this at once!
Product: Credit reporting or other personal consumer reports

XXXXm reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was disputed, unverified and REMOVED repeatedly yet it keeps coming back on my reports. This is illegal and I want this removed. XXXX XXXX {$800.00} Removed XX/XX/XXXX. XXXX Removed XX/XX/XXXX XXXX Removed XX/XX/XXXX. XXXX  Removed XX/XX/XXXX XXXX XXXX
Product: Credit card

CHASE Credit Card Slate is reporting missing payment and credit card default under my name, I was only and authorize user in the account so I can do some shopping for a friend due to he was disable, but I have never sign any agreement on me be responsible for this account, I have done a dispute with XXXX, XXXX and XXXX and they have not done any changes on my report, also I have sent letters and faxes to Chase directly and they have ignore my request. I have ask for a validation of the debt under FDCPA section 809 Validation Of Debt ( 15 USC 1692.g ) ( B ) and they have ignore my request, I been denied credit and opportunity due this reporting, I will like to please enforce this law now and also get a judgment of {$1000.00} for damages due to this, I have taking time of my life and pay for faxes and latter plus postage to fixe this problem and I still have not any response from Chase Slate Card.
Product: Debt collection

I am filing a complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding an account that they are attempting to collect. This account, which is referenced by PRA as ending in XXXX, was purchased from XXXX XXXX XXXX XXXXXXXX, by PRA. The account allegedly originated in XXXX, and I was notified of this account after it was sold to PRA on XX/XX/XXXX. 

The issues began when I disputed the debt with the credit reporting agencies ( XXXX, XXXX, and XXXX ). Despite submitting my dispute, PRA failed to provide me with proper debt validation, as required by the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1692g, PRA was required to provide verification of the debt within 30 days, but I did not receive this validation. 

Furthermore, PRA continued to report the debt to the credit bureaus as a disputed account, yet negative information was being reported during the dispute process. This is a violation of 15 U.S.C. 1681s-2, as negative reporting should not occur while an account is under dispute. This improper reporting has negatively affected my credit score and harmed my financial well-being.

In addition to the lack of debt validation and improper reporting, PRA sent me an initial notification letter on XX/XX/XXXX, but I never received any record or acknowledgment of this letter. This raises concerns about PRA 's compliance with the Fair Debt Collection Practices Act, specifically with regard to the manner in which they handle disputes.

I have also requested that PRA cease all communication with me regarding this debt, but I am concerned that further attempts to contact me may violate my rights under the FDCPA.

I am seeking a resolution that includes : Proper validation of the debt. 
A correction of the credit reporting to accurately reflect that the account is in dispute, with no negative marks reported during the dispute process. 
Compensation for violations of the FDCPA and FCRA for failing to validate the debt and for improper credit reporting.
Product: Debt collection

I was a victim of identity theft. Account shows on my credit report as a charge off. I requested a 1099-C as verification. Never received one. This is not my debt.
Product: Credit reporting or other personal consumer reports

Nothing has been done TransUnion continues to allow these criminal people to continue to victimize me. There about to see what happens next. They know I have been wronged, still have not deleted the item off my credit report. XXXX XXXX is aware of the issue and refuses to resolve issue in good faith. I provided information and nothing has been done. The know that XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are lying there XXXX off, are capable of murder, and XXXX XXXX to try and commit crimes against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to XXXX XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

I have a balance transfer promotion on a Chase Amazon credit card. I receive 0 % interest on the balance transfer. The promotion expires on XXXX XXXX XXXX On XXXX XXXX  I paid {$350.00} to Chase as my regular payment. On XXXX XXXX, I paid an addition {$1000.00}, which according to the law, should have been credited toward my promotional balance, since it is within the two billing cycles preceding the expiration of the promotional balance. Instead Chase credited the payment to higher interest purchases, as they usually do, and did not take the {$1000.00} off the promotional balance. I phoned Chase to explain that according to the law, they should have credited the {$1000.00} to my promotional balance. I asked why this did not happen. The customer service rep, transferred me to a supervisor. The supervisor stated that credit card payments in excess of the minimum due, are automatically credited to the higher interest balances. She stated that Chase does not have a way to credit excess payments to a promotional balance. Since there is no way to pay off a promotional balance, this is obviously a way to stick customers with all the piled up interest at the end of the promotion. I want my {$1000.00} credited to my promotional balance as it should have been on XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX. I had an account with Square, which provided a POS for my website XXXX. I resell shoes and apparel, a " customer " orders an item and once they received their tracking decided to report fraud to their financial institution. I filed all of the requested information per Square 's request and they still shut my account down with no explanation aside from stating we do not conduct business with you and we do not fit your business needs. They shut my account down I also had several orders being processed during that time. Square went into my account pulled the funds while over drafting the account. While freezing the funds from my other orders, doing so has caused me a great deal of stress and further hardship. I was informed by the customer that caused this issue in the first place that they had received their order and they would be contacting their bank. I haven't heard anything nor have I received my money from that order. I documented the communication of the correspondence via email. Since then I have communicated to my other customers pertaining to the delay in orders and I'm offering a refund once I receive the return of funds to my company that Square is currently holding. I am being punished for things out of my control. Today I received another complaint pertaining to another fraud alert for an order that square is currently holding the funds for and they want me to fill out that document as well. I'm not really sure what to do now aside from contacting an attorney. 

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

I have reviewed a copy of my credit report and I show company XXXX/XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several serious inaccuracies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The information provided is inconsistent and shows repeated re-aging of the charge-off status, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), which limits the reporting of charge-offs to seven years from the date of the first delinquency. 

Specific issues include : The account is reported as charged off continuously over multiple years, from XXXX to XXXX, with inconsistent balance and status updates. 

The status update date is listed as XX/XX/XXXX, but the balance was updated as recently as XX/XX/XXXX, suggesting ongoing activity or re-aging of the account, which violates 15 U.S.C. 1681c ( c ) ( 1 ), prohibiting re-aging of debts. 

The " on record until '' date is listed as XX/XX/XXXX, which contradicts the continuous charge-off reporting that implies ongoing delinquency beyond the standard reporting period. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) of the FCRA, credit reporting agencies are required to provide a detailed description of the reinvestigation process within 15 days of receiving a consumer 's dispute. Despite my previous request, no such description was provided, which is another violation of my rights under the FCRA. 

The repeated re-aging of this account, combined with the failure to provide a detailed reinvestigation process, demonstrates non-compliance with federal regulations. These actions are not only misleading but also unjustly prolong the negative impact on my credit report. 

Due to these multiple violations and inaccuracies, I am requesting the immediate deletion of this account from my credit report. 

Please address this issue promptly in accordance with the FCRA guidelines.
Product: Credit card

Ok so ive been trying to get a credit card for a while now and ive been turnes down alot to but its not that ive been turned down that makes mad its thst litterally i tries to get appoved for like a XXXX dollar limit card from capitol one and even tho the only reason i tried was because i got an email from them saying i was pre appoves for it so i fellowed the link and again they deny me. And then a few days later naybe a week they email me again saying im appoved for a card so again i fellow their link and again they deny me. Now this has happen like at least 7 times and everytime they deny me it affect my credit by putting a hard inquary on my report. So now i have all this hars inquries on my credit report. And its affecting me gwtting any type of credit card and im kind of in a situation where i could really use a credit card right now to help boost my credit and to get nessessities when i have no other way to.. each time said it wouldnt affect my credit score. But those hard inquies do affect me. I mean how could they keep sending me invites that im approved now to just log back on and finish my application. I have way more pic of all the times they said i was appoved i just disnt want to send to many but i can send lots more
Product: Money transfer, virtual currency, or money service

I would like my money returned because I was scammed. BMO bank employee XXXX XXXX did not make a check security check. If the beneficiary 's bank account number was legit or not. The recipient 's turned out to be a SCAMMER. I believe that BMO was sloppy. 

I was born in XXXX XXXX. All my life! I live and work in the XXXX. XXXX XXXX XXXX  I have been a banking customer at BMO Harris Bank since 1990. I stand out because I am XXXX Heavy XXXX accent plus Due to a XXXX I have a XXXX XXXX I know everything. I travel internationally. Verbal communication at times challenging. With this obvious but minor XXXX a bank employee should take an even more caution. More attention to the money transfer info. 


Scammers recipients as shown on the XXXX XXXX  wire transfer information XXXX XXXX {$18000.00}, - Beneficiary information Bank identifier XXXX XXXX/routing number ) XXXX Bank City/state XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Beneficiary 's address/city/state/zip/country XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX UNITED STATES and XXXX XXXX XXXX  {$12000.00}, - Beneficiary information Bank XXXX XXXX XXXX/routing number ) XXXX Bank city/state XXXX XXXX, NY Beneficiary 's name ( Name on account ) XXXX XXXX XXXX XXXX XXXX Beneficiary 's address/city/state/zip/country XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX UNITED STATES Wire transfers
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX ( Account Number : XXXX ) for their failure to provide validation of my debt and their continued reporting of inaccurate and unverifiable information to the credit reporting agencies ( Equifax, XXXX, and XXXX ) XXXX 

I have been disputing this account with the credit bureaus for over six months. Each time, XXXX has allegedly verified the information, yet they have never supplied me with any documentation or proof to substantiate this debt. This failure to validate the debt is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623, which mandate that furnishers of information verify its accuracy when challenged.

Key Issues and Inaccuracies : Inconsistent and Contradictory Reporting Across Bureaus : The balance is reported as {$0.00} across all bureaus, yet the account status remains marked as a Charge-off/Collection. This contradiction is misleading and negatively impacts my creditworthiness. 
The high balance is reported inconsistently : Equifax : {$3500.00} XXXX : {$0.00} XXXX : {$3700.00} Unverified Debt : Despite repeated requests for validation, XXXX has failed to provide any evidence that this debt belongs to me or is accurate. This lack of validation suggests the debt can not be legally reported. 
Continued Reporting Despite No Balance Owed : The account is listed as a Charge-off with a {$0.00} balance. If there is no balance owed, there is no justification for maintaining a derogatory status. 

I am extremely frustrated with this ongoing issue. I have exercised my rights under the FCRA by disputing this account multiple times. However, instead of resolving the issue, XXXX continues to verify the information without providing the necessary documentation to substantiate the debt. This prolonged inaction is causing unjust damage to my credit profile, affecting my ability to obtain credit and financial stability.