23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a Banana Republic Rewards Mastercard for many years. Around XX/XX/XXXX, I saw that a fraudulent charge for around {$82.00} was posted to my account. I realized I hadn't used the card anyway in months, so I called to have the fraudulent charge investigated and removed, and my account closed. The account was closed, but Barclay 's sent me a statement with the fraudulent charge still on it, along with late penalties and interest. I assumed it was a mistake or would resolve in another billing cycle or two. But, in XX/XX/XXXX, I received another statement with the same fraudulent charge and even more penalties/interest. I called and reported the fraud again, and was assured my account was still closed. I received a message confirming that the investigation concluded the original single charge was fraud, and that everything would clear in 1-2 business cycles. But in XXXX, I got another statement with the same charge and additional penalties/interest, and now debt collectors have been leaving me voicemails. I called again, and spent hours getting bounced around Barclays ' customer service departments, until finally someone said they could see notations in my closed account indicating that the charge was fraud, but they would have to open a new case to have the penalties/interest removed. Well, I just received another statement for the same " past due '' amounts. Barclays ' behavior is unlawful, fraudulent, predatory, and causing extreme inconvenience. I am worried about my credit score and debt record, which to date has been excellent. 

I don't have my credit card or full account number anymore, and I never had an online account. But Barclays will be able to identify me through the last four digits of the account, my contact information, and XXXX : XX/XX/XXXX
Product: Credit card or prepaid card

My contact is XXXX and I have multiple products with capital one, specifically this issue credit cards, ending in XXXX and XXXX. Last 4 of my ss XXXX I have now gone thru 3 identity verfications process with photos, calls to my bank, bank statements, etc over the last 3 to 6 months, each time resolved I'm now on my 3rd time of the same process over 6 months You outsourcer in the XXXX dropped the ball several times. 

Now being told again 14 to 20 days after working on this matter for the last 2 weeks. That would be a total to 4 to 6 weeks, 3rd time with this process I would like someone in mgmt to review why this is happening and get to a resolution please
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I am filing a complaint against The Bureaus for multiple violations of the FDCPA and FCRA related to account # XXXX. Despite numerous requests over the past six months for debt validation, The Bureaus has failed to provide any verification or supporting documentation. This continued inaccurate reporting and failure to validate the debt have harmed my credit profile and caused financial and emotional distress.

Specific Errors and Violations Failure to Validate Debt Violation : FDCPA 15 U.S.C. 1692g ( b ) requires debt collectors to cease collection activities until the debt is properly validated. The Bureaus has not provided any documentation, such as the original agreement, proof of ownership, or itemized billing statements.

Impact : Continued collection activity and reporting without validation are illegal and have caused harm to my creditworthiness.

Inconsistent Reporting Across Credit Bureaus Violation : FCRA 623 ( a ) ( 1 ) mandates accurate and consistent reporting to credit bureaus. The account is reported with conflicting details across XXXX, XXXX, and XXXX : XXXX : Balance {$960.00}, Last Activity XX/XX/XXXX XXXX : Balance {$960.00}, Last Activity XX/XX/XXXX XXXX : Balance {$960.00}, Last Activity XX/XX/XXXX Impact : These inconsistencies misrepresent my credit profile and have negatively affected my credit score.

Misleading Reporting of Past Due Amount Violation : The Bureaus reported a collection account with a separate past due amount, which is misleading. The entire balance should be reported as past due. This violates the FCRA 's requirement for accurate and non-misleading reporting ( FCRA 623 ( a ) ( 1 ) ).

Impact : This misleading information damages my creditworthiness and misrepresents my financial standing.

Providing False or Misleading Information Violation : FDCPA 15 U.S.C. 1692e ( 8 ) prohibits furnishing false or misleading information to credit bureaus. Reporting a debt that has not been validated is a clear violation of this provision.

Impact : This has caused undue stress, financial harm, and limited access to credit opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent a letter by CERTIFIED MAIL asking for validation for items that being reported on my credit report still. do to the fact I'm a victim of identity theft which they have the report on file. As of today XXXX XXXX I haven't heard from Experian regarding my Letter it's been over 8-weeks it my understanding fair credit reporting Act that should completed the Investigation with in 30-45 days from the receipt of my CERTIFIED LETTER. The 30-45 mark has now passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card through XXXX XXXX but was denied and received a letter from XXXX XXXX saying the credit report provided by XXXX provided 4 possible reasons and outlined them to me in a letter dated XX/XX/2018, none of which apply to me. After a lot of run around from XXXX and XXXX, I requested my credit report and received that on XX/XX/XXXX from XXXX. None of the 4 reasons applied per my credit report either. I also noticed there was an incorrect phone number so I requested that be changed and requested further information as to why I was denied a credit card. Then, I received a letter from XXXX saying all of the info matched and nothing would be expunged. And also, I still have no reason for why I was denied a credit card. Throughout this whole process, XXXX has given me the run-around and XXXX XXXX  has been unclear with the reason I have been denied. I am concerned about my credit but do not want multiple inquiries on my record.
Product: Debt collection

I challenged a collections account on my XXXX credit report from a company called Wakefield and Associates Inc. The account was removed from my credit report and two weeks later, Wakefield and Associates Inc, illegally reported 2 NEW collection accounts that do not belong to me, to my XXXX and XXXX credit reports out of retaliation for having them removed from my credit reports. My credit report indicates that Wakefield and Associates Inc, reported the supposed debt was opened on XXXX XXXX XXXX. I havent been to the emergency room in over 2 years and Wakefield and Associates Inc are lying to XXXX and XXXX. Ive asked them to provide proof of ownership by showing a copy of my drivers license and social and they decline because they do not posses any of it. If they do not remove the the fraudulent accounts, i will be forced to sue them and have the accounts removed. I have already forwarded a copy of my credit report to an attorney to look at. Wakefield and Associates Inc is breaking the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit card inconsistent reporting violating FCRA XXXX XXXX : Acct # XXXX, Balance {$8300.00}, Experian , Transunion XXXX XXXX : Acct # XXXX, Balance {$3400.00}, Transunion 1 XXXX Inconsistent Balance Reporting Issue : The High Balance on the TransUnion record is reported as {$8200.00} while the Balance Owed is {$8300.00}. Typically, the high balance should reflect the maximum amount owed, so having a current balance exceed that number suggests an inaccuracy. 
Potential Violation : XXXX 15 U.S.C. 1681e ( b ) : This section requires that consumer reporting agencies maintain and report information with maximum possible accuracy by following reasonable procedures. An inconsistency like this may indicate a failure to meet that standard.

2. Discrepancies in Reporting Dates and Account Status Issue : The same account shows conflicting datesTransUnion lists both the Date Reported and Closed Date as XX/XX/XXXX, while Experian shows a Closed Date of XX/XX/XXXX. Such discrepancies can mislead consumers about the actual status of the account. 
Potential Violation : XXXX  15 U.S.C. 1681e ( b ) : The requirement to maintain accurate records is at stake here. Inconsistencies across different bureaus might indicate that one or more agencies are not following the necessary procedures to assure maximum possible accuracy.

3. Ambiguous Dispute Status Notation Issue : On the Experian record, the dispute status and creditor remarks read Account previously in dispute? now resolved? reported by subscriber. The ambiguity in how the dispute is resolved ( or not ) may confuse consumers and fail to provide clear information.

Potential Violation : XXXX 15 U.S.C. 1681i ( a ) : This section governs the reinvestigation process for disputed information. The FCRA requires that disputes be clearly noted and resolved in a manner that is understandable to the consumer. Ambiguity in the dispute status could be seen as a failure to comply with this mandate. 

Legal Compliance and Consumer Rights It is my expectation that the investigation will adhere strictly to all legal requirements, thereby safeguarding my consumer rights throughout this process. 
In the event that any discrepancies or unresolved issues remain, I trust that you will notify me immediately and outline the measures that will be taken to resolve them. 
Please consider this letter as confirmation of my expectations regarding this matter. I look forward to receiving the final report and a resolution in line with the timelines stipulated by law. If additional information is required on my part to facilitate the investigation, kindly inform me at your earliest convenience. 
Thank you for your attention and cooperation.
Product: Debt collection

TRIED MANY ATTEMPTS TO DELETE FRPM MY XXXX CREDIT FILE THIS IS NOT MINE
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an alert from Experian Credit showing I have exceeded my Department of Education XXXX loan credit usage limit by 101.78 %. As a result, my credit score decreased by XXXX points. I contacted XXXX the servicer, and they did not report the deferred XXXX  as a revolving credit card, with a usage balance limit. Experians algorithm miscategorized the deferred XXXX  loan. I contacted Experian to inform them that the deferred XXXX  loan was miscategorized, reporting as a credit card, with usage balance/limit ( see attached snipped photo ). Experian explained that they have not seen this before, and that they would start a dispute. Experian also, recommended that I should report it to the CFPB to have the algorithm parameters change. I am reporting this incident, because I am expecting full resolution and restoration of my credit score, and the Experian algorithm changed/adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on EQUIFAX response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted Chase, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Product: Prepaid card

I have been the victim of identity theft. Several on my accounts were compromised including my Money Network debit card. {$1800.00} was applied to a vendor I have no knowledge of nor a relationship with past/present. I have opened a fraud claim weeks ago to recoup my funds with no resolve.
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 : Accounts : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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 XXXX XXXX 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

In my credit report, it shows my brother information and mine. I think my brother and I are mix together. Some information are my brother. Please help me to correct my credit report. My phone number is XXXX. If any information want to know, connect me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all unauthorized information listed on my credit report with Equifax.
Product: Debt collection

I am currently dealing with Freedom Debt Relief for 12 debts. 

1 ) 4 have been currently paid off ( I think ) 2 ) 4 have been settled agreements and are being paid ( I think ) 3 ) 4 more to settle. 

Freedom Debt Relief will not provide me documents stating which have been paid off and which are being currently paid off. I have zero idea if anything has been officially paid or if anything is currently being paid. 
I'm looking for a simple statement of such. 
They do have some kind of dashboard for me to view but nothing simple stating actions and finalities. 
*If I ever walked into court I believe a judge would laugh me out of there.I have no clear statements of settlements either final or ongoing. 
*I made it clear to them that oral conversations are not acceptable anymore and I want everything in writing, for I get different responses when I ask questions. 

In addition they settled an account a few weeks ago but I didnt accept it, I'm looking to see if they are going to charge me fees for it which our agreement states that they Can Not unless I agree to settlement. 

Theres more concerns to this company as well, but I need to start somewhere.Again, I try and speak with them but feel very misled when I do. 
Hope you can help me along and truly appreciate you being there for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX and TRANSUNION, has violated my rights. 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 XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX & XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXXL XXXX, US DEPT OF EDUCATION/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account THERE ARE 10 INACCURATE ACCOUNTS APPEARING ON MY CREDIT REPORT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXXXX/XX/XXXX Account, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, US DEPT OF EDUCATIONXXXX, XX/XX/XXXX 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. i did not give Transunion wriiten instructions to report the accounts listed above. Transunion violated my rights this is a case of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company refuses to remove or update their credit reporting entry on my Transunion credit report after being notified that I have filed for bankruptcy on XX/XX/2022. They still are showing false and erroneous information on my credit report regarding my account with them. They are showing that it was charged off as a bad debt when it should only show that it was included in my Bankruptcy and that it is a closed account with a XXXX balance on it. Also, they didn't report this account as being closed until three months after I had filed my bankruptcy, which means that they continued to keep on reporting my account as making late or no payments for three more months after the bankruptcy was filed thus harming my credit even more. They are in direct violation of my consumer rights and Federal laws by refusing to either remove or update the information that they are reporting about me on my credit reports. This debt was already disputed with Transunion and it came back as being a valid and accurate debt with no changes to my credit report information. Clearly they have lied to the Credit bureaus as well because I am in bankruptcy and they know this because it reflects this on the other credit bureaus but not on Transunion. This is the credit report entry they currently have on Transunion : Remarks Charged off as bad debt Dispute resolved ; reported by grantor
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency EQUIFAX INFORMATION SERVICES , LLC has been informed of several UNAUTHORIZED INQUIRIES currently being furnished on the consumer credit report belonging to the consumer XXXX XXXX and has failed to remove or block these unauthorized inquires as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. The term Identity Theft is defined under 12 CFR 1022.3 ( h ) as a fraud committed or attempted using the identifying information of another person without authority. The consumer has identified the unauthorized inquiries provided herein have resulted from Identity Theft and unauthorized use of the consumers personal identifying information and has given notice that these unauthorized inquiries have not resulted from any authorized consumer credit transaction. The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC is in violation of the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ] for failure to block from reporting the unauthorized inquiries no later than XXXX business days after receipt and delivery of the notice delivered on Sunday XX/XX/2022 at XXXX sent by way of USPS Priority Express Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with Federal Law under the Fair Credit Reporting Act I demand that this agency immediately remove or block from reporting the following unauthorized inquiries : UNAUTHORIZED INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX