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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIP XXXX DATE : XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Account - Discrepancy with XXXX Dear Sir or Madam, I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681, which guarantees the right to accurate and complete information in credit reports. I am formally requesting the removal of an account that continues to appear on my credit report, despite the fact that XXXX has already deleted this account from its records, creating a clear lack of uniformity and accuracy among the three credit bureaus. 
Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information in a credit file is found to be inaccurate or unverifiable, the credit bureau is obligated to correct or remove that information. XXXX has fulfilled this requirement and removed the account from my report. However, my report with [ TransUnionXXXX ] still reflects the incorrect information, which constitutes a violation of my right to have an accurate and complete credit report across all credit bureaus. 
Attached to this letter is evidence of a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), which proves that the account in question was deleted from my XXXX report following an appropriate investigation. 
Additionally, I would like to refer to the case of XXXX XXXX TransUnion XXXX ( XXXX XXXX XXXX ), in which the court held that credit bureaus have a responsibility to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. In this case, it was determined that inaccurate reporting constitutes a serious violation that can cause financial harm to the consumer, which directly applies to my current situation. 
Therefore, I am requesting the immediate removal of this inaccurate account from your records. The attached evidence confirms that this account has already been deleted by XXXX, and steps should be taken to ensure consistency across all three credit bureaus. 
I look forward to a prompt resolution and the update of my credit report accordingly. Should this inaccuracy not be corrected, I will consider taking legal action under the provisions of the FCRA, including seeking punitive damages for continued noncompliance. 
Thank you for your attention to this matter. I am available to provide any additional information necessary to facilitate this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had two accounts with XXXX card one dating back to XXXX and one dating back to XXXX. Since, I've had these open accounts with XXXX bank I've never had any delinquencies, no late payments or missed payments and have had a good relationship with this bank. I've gone through my experian, XXXX, and XXXX credit reports and I've noticed incorrect information on my report concerning these accounts where XXXX this account has a late payment on XXXX in XXXX and XXXX that's been opened since XXXX had a late payment marked in XX/XX/XXXX that was 30 days. These are inaccurate, false reporting claims that they are making on my report which is severely impacting my credit to where I am unable to go for a mortgage. As a member of XXXX XXXX  and I still am for 5+ years this is very concerning and I'm very upset to be a victim of this.
Product: Debt collection

FNB Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Student loan

I called fedloan on XXXX XXXX regarding my intent to pay off the loan because I was refinancing the loan privately. They informed me the amount would be XXXX which was confirmed online and advised I should put a stop payment on the monthly payment so that we do n't overpay if we were going to send a check for the complete loan. We sent and they cashed the full amount. We followed up today and they said we still have over XXXX dollars outstanding. They are unable to tell us how and why and how this figure adds up and how the loan repayment amount was different and how the payment was allocated that resulted in an extra XXXX dollars. 
Please help and request fedloan look into this situation.
Product: Credit reporting or other personal consumer reports

Please assist me by removing and blocking the fraudulent inquiries that appear on my credit report. I would greatly appreciate your prompt attention to this matter to ensure the accuracy and integrity of my credit information. Thank you for your understanding and cooperation.
Product: Student loan

The phone number provided on my statements from Key Bank are not accurate. I have to call every month to make my payments, and the number provided of XXXX is not a valid phone to reach them. When I call that number it says that this number is no longer in service and I am provided another number to call. I call that number, I have to provide my information and then I am transferred to another party where I am again asked the same information. I have provided them images of the incorrect statements and the number still remains to be incorrect on the monthly statements. This makes it extremely difficult to pay my loans in a timely fashion if the information being provided by the company to make payments is inaccurate.
Product: Credit card or prepaid card

XXXX was informed when I got my credit report that a discover card had been fraudulently obtained in my name and used I was never informed of having this card or that it had become delinquent. I have disputed this account multiple times and discovered refuses to acknowledge I have been a victim of identity theft I filed an affidavit XXXX I have sent said document to discover and now they are suing me for the account
Product: Credit card or prepaid card

I was notified by XX/XX/XXXX that I had a hard inquiry on my credit report from Capital One-Cabelas today ... XX/XX/2020. I have notified Capital One. I did not apply for this card or any credit card as of late. This is due to identity theft. I filed a police report as well
Product: Debt collection

VIOLATION OF TCPA WAS TOLD TO CEASE AND DESIST IN XXXX/XXXX/2014
Product: Payday loan

I APPLIED FOR A LOAN WITH WHOM I THOUGH WAS US BANK I WAS TOLD THAT I WAS APPROVED FOR A PERSONAL LOAN OF XXXX HOWEVER TWO DAYS LATER THEY CALLED AND TOLD ME THAT I NEEDED TO PAY CREDIT LIFE INSURANCE OF XXXX DOLLARS WHICH I SENT TO THEM THRU XXXX TO XXXX THEY TOLD ME THEY RECEIVED THE MONEY FOR THE CREDIT LIFE, BUT THE STATE OF MICHIGAN PUT A HOLD ON THE LOAN AND STOPPED THE LOAN TRANSFER, AND THEY I NEEDED TO PAY XXXX FOR THEM TO TAKE THE HOLD OFF. I PAID THE XXXX. XXXX ALSO TO XXXX XXXX, THEN THEY CALL BACK AND SAID THAT THE HOLD WAS NOT REMOVED AND THAT I WOULD HAVE TO PAY FOR XXXX FOR A ATTORNEY TO HAVE IT RELEASED. AT THIS POINT I TOLD THEM NO THAT I HAD NEVER HEARD OF ANYTHING LIKE THIS HAPPENING TO RECEIVE A LOAN. I TOLD THEM AT THIS POINT THAT I WANT TO USE MY RIGHT OF RESCISSION AND CANCEL THE LOAN REQUEST AND TO SEND ME MY MONEY BACK. THEY TOLD ME THAT SOMEONE FROM ANOTHER DEPTARTMENT THAT HANDLES THAT WOULD CALL ME BACK IT 'S BEEN OVER A WEEK AND NO ONE HAS GIVEN ME A CALL. THE LOAN OFFICE THAT I SPOKE WITH SAID THAT HIS NAME WAS XXXX XXXX XXXX LINE XXXX, XXXX THEY ALSO TOLD ME THAT THEIR WEB SITE IS XXXX
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing numberXXXX ; an account number:XXXX. I have recently made a complaint about how my tax return has been frozen in the venmo wallet. That complaint I filed here ( with the cfpb ) was responded to ; however the response stated that I will be able to withdraw funds once my FULL 180 days limited access HOLD was over, which would have been *YESTERDAY ( XX/XX/XXXX ). To be clear, heres a quote from Venmo 's last response to my cfpb complaint ...... 

VENMO SAID, and I quote ... ... " I show that your initial limitation was placed on XX/XX/XXXX, before being modified to a permanent limitation on XX/XX/XXXX. When then advised that your funds would be held for 180 days, which is XX/XX/XXXX, based off of the original date that your Account was first limited. With that said, I am unclear where the information was conflicted, but understand that things happen, and I again want to apologize. With that understanding, our previously advised decision remains unchanged. Your Account will remain permanently limited with your funds held for the full 180 days. '' which you further explain how it will be available for withdraw an I'll be contact via email. 


Thats what you guys said, HOWEVER ; here we are XX/XX/XXXX which is PAST the 180 day mark an I still CANT withdraw my funds, nor did I get any email or any form of communication on how to get my funds out ...... 

WHY DID YOU GUYS AT VENMO STATE THAT ON OR BEFORE XX/XX/XXXX I WOULD HAVE ACCESS TO MY FUNDS, BUT I STILL DONT???????? There is no transfer button, its inactive on the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a letter disputing an account on my credit reporting that is reporting a late payment, but I was never late. You are in violation of 15 US Code 1681a ( 4 ) by reporting mis-information. The account is XXXX XXXX XXXX. It's been almost XXXX months and I have yet to receive anything proving that this late payment is accurate. I am asking for this account to be updated to paid as agreed, never late Y
Product: Debt collection

Jefferson Capital Systems is reporting a debt that was paid directly to the creditor which was XXXX XXXX. After speaking with Jefferson Capital Systems they did see that the account was paid directly to XXXX XXXX and still reported the collection to the credit bureaus. The account was paid in in full on XXXX/XXXX/2016 to XXXX XXXX and Jefferson XXXX XXXX reported it as a bad debt as of XXXX/XXXX/16. After calling XXXX XXXX they tell me that they cant discuss the account because it was sold to Jefferson XXXX XXXX but XXXX took the payment even though it was sold to Jefferson.
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Prepaid card

I was supposed to get an XXXX card from Bank of America back during Covid time so around XXXX the card was sent to my mothers old address which has been vacant since XXXX  but anyways before my mother moved I was the first to move out I moved in with my son mother during that time and was kind of house jumping all over anyways fast forward not only didnt I get my card but all the money was spent on the card I had made MULTIPLE disputes about the matter and I keep getting denied I sent in documents stating that I had moved didnt get the card etc and still nothing all Bank of America has did was sent me through hoops and gave me the turn around so much that Im frustrated upset mad I cant describe how I feel and to make the matter worse they tried to send me {$21.00} for transaction fee I didnt even do Im not happy and {$21.00} is an slap in the face when I lost and missing out on a lot of MY money! I want it all back not {$21.00}
Product: Money transfer, virtual currency, or money service

After PayPal changed its terms of service, I immediately tried to close my account. I tried multiple times, but they continue to provide the message of " Sorry, there's a problem. If you keep seeing this, please contact customer service. ". I then contacted customer service multiple times but its actually just a bot. The customer service chat said that " there are zero issues '' with your account. 

So if there are no issues, why will they not let me close my account?
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$44000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all i see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been written : " serious delinquency '' Proportion of balances to credit limits on Bank accounts is to high Time since delinquency is too recent or unknown Lack of recent installment loan information ''
Product: Credit reporting, credit repair services, or other personal consumer reports

SS # : XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX Ga XXXX My only employer is XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, and hard inquiries XXXX XXXX XXXX XXXX with a balance of {$530.00} XXXX  XXXX XXXX XXXX XXXX balance of {$560.00} XXXX  XXXX XXXX  XXXX with a balance of {$720.00} XXXX XXXX  XXXX with a balance of {$750.00} XXXX XXXX XXXX  XXXX with a balance of {$550.00} XXXX XXXX  XXXX with a balance of {$560.00} XXXX XXXX  XXXX XXXX with a balance of {$200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$120.00} XXXX V XXXX with a balance of {$450.00} XXXX XXXX XXXX XXXX with a balance of {$710.00} XXXX XXXX XXXX XXXX with a balance of {$340.00} XXXX XXXX XXXX XXXX with a balance of {$630.00} XXXX & XXXX XXXX with a balance of {$480.00} XXXX XXXX XXXX XXXX with a balance of {$210.00} XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} XXXX XXXX XXXX XXXX with a balance of {$130.00} Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Credit report with all 3 major credit reporting agencies I noticed Portfolio Recovery Associates, LLC located in XXXX XXXX XXXX., XXXX, VA XXXX have reported a derogatory item under my SSN claiming I owe them {$600.00}. 
I wrote to them and sent a letter via USPS certified mail requesting additional information, and documentation bearing my signature on XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. 
In all 3 instances in the span of 4 months, they have only responded with two pages of XXXX XXXX interest charges, with no details of any charges or documents bearing my signature. I also disputed this item with all 3 credit reporting agencies, and Portfolio Recovery Associates, LLC only responded to them as accurate with no additional info or documents.
Product: Student loan

They are harassing me at work. I've told them not to call my work and they called twice already. I live in California
Product: Checking or savings account

On XX/XX/XXXX I visited Ameris Bank headquartered in XXXX XXXX  to close a Business account. The owner of the business ( my father ) recently passed away and this is the final work I need to accomplish before closing the estate and the business. The bank I visited is in XXXX XXXX  so the information was transmitted to the legal team of the bank before closure, the response from the legal team was for me to Change The Name To My Own For Ownership Or Officer with the Alabama secretary of state. I then called the Alabama secretary of state which told me that as of XX/XX/XXXX the state of Alabama passed legislation ( I believe Alabama House Bill XXXX ) preventing me from changing the ownership or the officer records and that there was no form for me to even send them in order to accomplish this. I then called the branch to inform them to which I never even got a call back after leaving 2 voice messages. I then went to the 2nd branch in XXXX to inform them to which they sent another message to 'Legal '. After a few days I did not receive any more information so I reached back out to the 2nd branch to which they informed me that legal has responded with " You must change the ownership or the officer listed on file with the Alabama secretary of state '' ... At this point I believe the bank is either joking or do not actually have a legal department and just want me to stop trying to close the account and retrieve my funds. They have frozen the assets and told me they can not talk to me anymore.
Product: Credit reporting 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/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year> and on XX/XX/year> I had a hard inquiry come to my credit report for something I never filled out and Ive tried to call the credit bureaus to get it off but they dont seem to be much help for both of the dates listed above the issuer is XXXX XXXX