23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get Credit Acceptance removed from my consumer report, because I notice some errors being reported. XXXX honored my request by removing the account from my consumer report. However, XXXX and XXXX did not removed the account. They modified the account but yet there are still errors on the report such as, The balance, the open date, the date last reported, and last active date. ( XXXX XXXX shows XXXX, XXXX shows XXXX. XXXX not reporting ). ( Experian Open Date shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX not reporting ). XXXX Last Active Dates shows- XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX- not reporting. The FCRA requires that all claims must be MAXIUM POSSIBLE ACCURACY and MAXIUM POSSIBLE COMPLETENESS. 15 U.S. Code 1681- Congressional findings and statement of purpose ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Mortgage

account is in bk and they reported everything negative on my cbr i have contacted them a few times trying to get this matter taken care of and have dealt with the rude collections folks who still try and collect on this XXXX balance paid off account
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, a XXXX veteran who is attempting to pay off the balance I had incurred with AVANT LLC, WebBank. On XXXX XX/XX/2021, after receiving a credit card debt consolidation loan from XXXX XXXX for the amount of XXXX which was my current pay off balance with AVANT LLC, I enclosed the check issued by XXXX XXXX for that amount and sent the check certified utilizing the USPS tracking number XXXX XXXX XXXX XXXX XXXX to the payment address for AVANT LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX. The certified package was signed by a receiving personnel for AVANT LLC on XXXX XX/XX/2021. The check XXXX {$290.00} was cashed by AVANT LLC on XXXX XX/XX/2021 and did not apply the payment to my account. I had received the signed tracking notice from USPS on XXXX XX/XX/2021 and immediately contacted AVANT LLC at which time the company had no record of receiving the certified package and I was told it would take up to 14 days for the funds to be applied, at this point I had closed my account with this company because I knew a company would have some record of at least documenting the receiving of a certified package. Additionally, I had also stated that the company was requesting a payment by XXXX XX/XX/2021 and the customer service representative stated that my check would be applied retroactively to the date the check was received. AVANT LLC at this time and date of this statement, has not applied the payment to my account and it is currently reported as past due and they had also charged a late fee of {$25.00}. This company is purposely damaging my credit status on the three reporting agencies, as I had never been late with a payment to AVANT LLC. Just the previous month I had sent in a payment of {$100.00} to the company. This particular situation is causing me undue stress for I am striving in the best way to keep my credit from being negative as I have intentions of buying a home within the year. I have filed a complaint with the BBB which AVANT LLC is not a member and this company has over 315 complaints of this same magnitude in just a 12 month period. If this company does not want to do the right thing by their customers, then they should be able to add derogatory information to someone's credit report. I have also filed complaint with the XXXX XXXX XXXX XXXX XXXX Illinois and I have sent rebuttal to the credit agencies on this matter. Please assist me with this matter because I am not the only person that is being taken advantage from this these subprime lending predators. Thank you in advance for your assistance and I look forward to hearing more guidance or information as to what should be my next action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 XXXX 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 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 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 XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.
Product: Debt collection

Early XXXX, California, XXXX debt for {$1800.00}. Was not paid. Unemployed. Unable to pay debt. Debt was discharged by XXXX 

In XXXX, XXXX - XXXX years after discharge of debt, and well past the XXXX years statute of limitations in California, Commonwealth Financial Systems ( a junk debt buyer ) collection agency, placed a record on my credit reports ( all XXXX ) stating that as of XXXX XXXX, I owed them {$1800.00} for an XXXX debt. Well this debt was discharged in XXXX. 

Why the XXXX am I being hounded by this scam junk debt buyer firm. My credit score has dropped XXXX points because of these XXXX. And, the debt was discharged in XXXX. Why am I being hounded by scammers in XXXX. 

CFPB - these junk debt buyers should be banned.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX respectfully send email message to CFPB and report incident. 
It was occured on XXXX, Found my name in Chime through XXXX XXXX XXXX carrier Which I have not had created Chime Account as Bank Card. 
Hackers and scammers have created new Chime Account. 
When they have known that It was deleted or canceled by me. 
Ongoing now and massively outage and Data breached
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have a Citi Double Cash credit card for the last 6 years or so. I used it purchase a seasonal lawn mowing service on XX/XX/XXXX and was charged USD XXXX. 

The merchant was supposed to come the next day to start, but he didnt and went incommunicado, after multiple attempts to reach him over email and call, he responded that he is in some trouble with IRS and has to shut shop and that he will refund our money as soon as he can. We continued to follow up over email about the refund, but fell on deaf ears with no response since. 

Meanwhile raised a dispute on the Citi app on XX/XX/XXXX. Never received any status updates from Citi in the app or mail, but suddenly XXXX day in early XXXX saw the dispute status changed to customer responsible which was updated on XX/XX/XXXX. It said that they contacted the merchant and he said the services were delivered!. I called Citi bank customer care multiple times, most times there was a long hold time and the one time in late XXXX I was able to talk to a human they put me through different people and finally their agent said we sent you a notice on email to submit documents. Strangely, that doesnt show up in the app nor was it posted on snail mail but the agent asked me to send documentation over email. I did that right after, and it took them over 3 months to respond with their outcome which is not favorable as they only credited XXXX on XX/XX/XXXX without any explanation for partial credit. 


The services were never delivered to me and there is no reason I shouldnt get the full credit when there is a confirmation from the merchant that they have shut shop and cant mow our lawn!
Product: Credit reporting or other personal consumer reports

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account XXXX XXXX XXXX XXXX XXXX  was deleted from my credit report, between XXXX XXXX  and XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX bank and XXXX XXXX  was added back to my credit report XXXXXXXX XXXX  According to the FCRA Reinsertion law 1681 I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Best Regards, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

RE : Dispute of Unauthorized Information Disclosure Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have not provided written consent for the furnishing or obtaining of my consumer information by your agency. Therefore, any information contained within my credit report that has been obtained or provided without my explicit written consent is inaccurate and in violation of federal law. 

Upon reviewing my credit report, I have noticed entries that suggest my information has been furnished or obtained without my authorization. I have not authorized any entity to share or request my consumer information with your agency. As such, any entries attributed to me that are a result of such unauthorized disclosures must be promptly removed from my credit report. 

1. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 2. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please ensure that all information is accurate I kindly request that you conduct a thorough investigation into the origin of the information in question and provide documentation proving that proper written consent was obtained as required by law. If you are unable to provide such documentation, I request the immediate removal of the disputed entries from my credit report. 

Furthermore, I demand that you cease and desist from further unauthorized inquiries into my consumer information without my explicit written consent, as required by 15 USC 1681.

Please provide me with a written response detailing the actions taken to rectify this matter within 30 days of receiving this dispute letter, as mandated by the FCRA. Failure to comply with these requests may result in legal action being pursued to protect my rights under federal law. 

Thank you for your prompt attention to this matter. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

I looked at my credit report and saw an account that was not mine. I disputed this, but it remains on my credit report.
Product: Mortgage

At the end of XXXX and the beginning of XXXX, Florida was affected by two hurricanes, resulting in significant emotional and material costs in many regions of the state. My area, as well as my workplace, was affected. It was necessary to incur extra expenses such as daycare, repair materials, and other costs due to the atmospheric events. 

I was informed by my mortgage company that assistance was available for these types of events, so I applied for a forbearance plan. It took 5 minutes to fill out the form and 20 minutes for approval. However, after being in the program for three months, I made numerous calls to the mortgage company, as they continued to send letters claiming that I was in delinquent status. Customer support told me it was an automatic system issue, but the calls continued.

Later, during one of my calls, I was informed that I needed to apply for mortgage assistance. I submitted the application on XX/XX/XXXX. After their review, they sent me an offer that essentially locked my house. The terms of my contract changed drastically, extending my loan term from 380 months to 480 months. Additionally, at the end of this period, there would still be a remaining balance of over {$41000.00} to be paid. 

After receiving that offer, we decided to gather the money and pay off the debtin other words, we took on another debt, but for a smaller amount. The company was notified of our dissatisfaction, as what was supposed to be assistance turned into a highly beneficial business for the mortgage company. They transformed an {$11000.00} debt into something exceeding {$100000.00} by the end of the terma rather aggressive tactic for someone going through financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft and I submitted a ID Theft proof based on instructions from the FCRA 605B which included documents such as, a signed FCRA Affidavit, proof of residence and identity, and police report. Unfortunately, all XXXX credit bureaus only processed part of my request and many fraudulent accounts are still reporting. The bureaus stated that the accounts were verified by the creditor which is impossible!
Product: Credit card or prepaid card

This was a very simple credit card bonus offered to the world. Simply spend {$1000.00} and receive a {$200.00} bonus. I fulfilled my obligations to earn this bonus. It has now been over 4 months and I have still not received my bonus money that was promised in the advertised offer. I took screenshots as proof and it would have been impossible for me to have signed up for this credit card without the bonus being attached to my application, as verified with the internet XXXX XXXX this offer was advertised directly on Wells Fargo official website on the date of my application. This is verifiable and undeniable.
Product: Checking or savings account

XXXX/XXXX/20, It does Not slow me to connecy accounts with app.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my XXXX  credit report from Suntrust Bank XXXX XXXX, dated XX/XX/2019. I did not apply nor authorize this company to conduct a hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed ITEMS from my credit report as well as delete the ITEMS from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$73.00}, {$0.00}, {$0.00}, {$0.00}, {$660.00}, {$570.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

3. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$630.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$570.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against National Credit Systems FCRA Violations and Unauthorized Credit Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against National Credit Systems acct # XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ). They have reported an alleged debt to all three major credit bureaus without my knowledge or consent. I do not recognize this account and have never had any dealings with National Credit Systems. Furthermore, National Credit Systems is reporting different information to each of the three credit bureaus, which raises concerns about the accuracy and legitimacy of their reporting. Their actions have caused harm to my credit profile, and their failure to notify me before reporting this alleged debt is a direct violation of my consumer rights. I am formally requesting the immediate deletion of this account from all credit bureaus and an investigation into National Credit Systems ' reporting practices. Their failure to comply with FCRA regulations is unacceptable, and I seek the CFPBs intervention to ensure they adhere to federal law. I have attached copies of my credit reports showing the discrepancies and unauthorized reporting. Please confirm receipt of this complaint and advise on the next steps. Thank you for your prompt attention to this matter.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX Account # XXXX  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 an 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 seven 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.