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

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXXXXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - I called XXXX, Equifax, and XXXX to have old address that were undeliverable removed and theyre still on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent notarized letters via certified mail to the companies in question. I have proof of acceptance from all three companies. In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # XXXX have 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 : Also states, a consumer reporting agency can not furnish an account without my written instructions. 

My letters have essentially been ignored by XXXX, Trans Union, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE NOT MINE, MY IDENTITY WAS STOLEN AND CREDIT WAS EXTENDED WITHOUT ME KNOWING FRAUDULENT ACCOUNTS : XX/XX/XXXX -LIT -ACCT # XXXX - {$2400.00} XXXX -XXXX XXXX -ACCT XXXX XXXX - {$26000.00} XX/XX/XXXX -XXXX  XXXX XXXX -ACCT # XXXX - {$320.00} XX/XX/XXXX -XXXX   XXXX -ACCT # XXXX - {$930.00} XX/XX/XXXX -XXXX  -ACCT # XXXX - {$440.00} XX/XX/XXXX -XXXX -ACCT # XXXX - {$150.00} XX/XX/XXXX -XXXX XXXX  - {$5000.00} XX/XX/XXXX -XXXX   XXXX  XXXX - {$340.00} XX/XX/XXXX -XXXX XXXX XXXX - {$3200.00} XX/XX/XXXX XXXX XXXX - {$920.00} XX/XX/XXXX -XXXX  XXXX - {$870.00} XX/XX/XXXX -XXXX - {$7200.00} XX/XX/XXXX XXXX XXXX XXXX - {$13000.00}
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Consumer Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Phone : XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : XXXX. XXXX XXXX XXXX  Account Number : XXXX, Balance : {$530.00}, Original Creditor XXXX XXXX XXXX XXXX  Reported : XX/XX/year>. 
XXXX XXXX XXXX XXXX Account Number : XXXX, Balance : {$220.00}, Original Creditor XXXX XXXX Reported : XX/XX/year>. 
XXXX. XXXX XXXX XXXX Account Number : XXXX, Balance : {$580.00}, Original Creditor : XXXX XXXXXXXX XXXX  XXXX, Reported : XX/XX/year>. 
XXXX. XXXX XXXX XXXX Account Number : XXXX, Balance : {$200.00}, Original Creditor XXXX XXXX XXXX XXXX  Reported : XX/XX/year>. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, Balance : {$1200.00}, Original Creditor : XXXX XXXX XXXX, Reported : XX/XX/year>. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 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 the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX 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 card or prepaid card

I am disputing the charge for {$1600.00} made on XX/XX/21 to my HSBC credit card and XXXX deposit paid on XX/XX/21. The total amount I am disputing is {$1700.00}. 

I entered a contract with XXXX XXXX for 4 movers and 1 truck/s, at $ XXXX and a {$100.00} deposit nonrefundable to move me from XXXX XXXX  XXXX, XXXX  XXXX TX XXXX to XXXX XXXX XXXX XXXX on XX/XX/21 XXXX 
Before my move date, I received a call asking if I minded multiple trips. I specifically said I do not want multiple trips. On XX/XX/21, 4 movers came with a surprisingly small truck and began moving at XXXX. The truck did not have a lift in the back to assist with getting the refrigerator, heavy XXXX XXXX XXXX and my XXXX XXXX XXXX in the truck. Around lunch time they told me the truck was full and they needed to make an additional trip. 
Before delivering thXXXX XXXX XXXXad to XXXX XXXX XXXX XXXX, the 4-men crew stopped for lunch. They were gone for 1.5 hours. The 4th person never returned. My contract stated 4 men and a truck at $ XXXX. They unloaded the first load and then 2 men and me returned to XXXX XXXX XXXX, XXXX  TX to finish loading the large items such as the heavy XXXX XXXX XXXX, the XXXXXXXX XXXX XXXXXXXX XXXX, the refrigerator and a handful of other inventory items. The 3rd man stayed at XXXX XXXX XXXX XXXX to begin assembling the beds. The 4th man never returned to the job.

The 3 men delivered the final items. After a full inspection I realized : 1. I was missing a large decorative vase that went with two others. I have a bad hip and was not able to go onto the truck and inspect it before they left to see what had been left there. 
2. My XXXX XXXX XXXX was shattered. The men did not wrap it, nor did they put the blankets on it when they loaded it. All they could say was XXXX we have another job to go to after this one. 
3. My XXXX XXXX XXXX was so damaged that I could not even open it. 
4. There were scratches and dents on my XXXX XXXX XXXX. 
5. There were scratches on my dining room table. 
The damages noted above exceed the moving costs I paid, of a {$100.00} deposit paid on XX/XX/21 and {$1600.00} on XX/XX/21 ( Total paid {$1700.00} ). I am disputing all moving charges paid through my credit card company. I will be filing numerous online social media complaints and a XXXX XXXX XXXX Complaint against XXXX XXXX XXXX for your Gross Negligence and Breach of Contract.
Product: Debt collection

I dont think this debt is mine. XXXX called me on XX/XX/19 and notified me of a medical debt in my name. Because it was a collection agency and I am rebuilding my credit I entered a payment of {$35.00} a month. They promised to call me every month for payment. I asked during call will this be reported to credit bureaus they told me no, unless this went 90 days without payment. I called on XX/XX/19 and told rep at XXXX the arrangement and rep hung up on me when I requested supervisor. I called back XXXX times and someone picked up the phone and hung up. I called XX/XX/19 and rep told me they listened to call and told me they didnt say 90 days until credit reporting. I disputed with credit bureau. I told rep I will wait until dispute is handled until I make an arrangement. I changed my mind and called directly back to pay because I am trying to avoid bad credit. I called 3 times and was hung up on, immediately. XXXX is trying to ruin my credit. I have records of calls and payment.
Product: Debt collection

Checked my XXXX credit score and it went down XXXX points due to a collection that did not belong to me. The company is Texas based called XXXX XXXX. I live in XXXX, AL and we do not have that provider here in Alabama. The account is in collections for {$590.00}. I have issued a dispute with XXXX. This has happened before, so I placed an alert and froze the account. This fraud still happened. It's an individual account and ends with XXXX. I called XXXX and they could not provide account number or any specifics. It states the first delinquency was XX/XX/2022.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I XXXX XXXX submitted a certified dispute to XXXX EQUIFAX XXXX Clarifying Im a victim of identity theft I have also provided proof according to section 605b of the fair credit report act those accounts should be removed from my personal credit report within 4 buisness days in which these three companies failed to do I submitted everything to each company Which follows : Police report Ftc repost Theft affidavit Proof of address ( lease agreement ) I have also filed a civil legal suit as of XX/XX/year> for failing to protect my consumer rights and removing fraudulent accounts As follow Equifax is reporting XXXX XXXX XXXX {$36000.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX {$360.00XXXX XXXX XXXX {$5900.00} XXXX IS REPORTING ( fraudulent account and address XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX IS REPORTING XXXX fraudulent accounts XXXX XXXX  {$360.00} XXXX XXXX {$5900.00}
Product: Credit reporting or other personal consumer reports

PURSUANT TO 15 USC 6802 AND 15 USC 6801 I REQUEST THESE COMPANIES TO REMOVE ALL INFORMATION OFF REPORT
Product: Checking or savings account

on XX/XX/year> i received a wire for XXXX in the evening and the the next morning XX/XX/year> the same individual deposited XXXX to my account in person at the branch. the very next day they froze my account and told me i would receive a check in the mail once the account was closed. on XX/XX/year> chase bank closed my accounts. i have made several attempts to resolve the situation. I have brought the party into the branch. more then one occasion. she is also is a chase customer. the case was escalated to chase executive. when i spoke to chase executive office they were unwilling to give a valid reason as to y they holding my money i gave chase all forms of communication with the other party. via phone email and XXXX. chase has unlawfully held my money for almost 2 years with no reason. this loss has cause ripple effect of damage to me and my family. this has cause a major financial hardship.
Product: Mortgage

I contacted the holder of our mortgage, Bank of America, on XX/XX/XXXX to request that the PMI be removed. I had previously contacted them regarding the requirements to remove the PMI and was informed that the loan needed to be more than 5 years or older and the loan to value ratio must be less than 80 %. The house was purchased in XX/XX/XXXX, and is therefore more than 5 years, and the loan to value ration is less than 80 %. 

However, Bank of America is still declining to remove the PMI and is instead requesting an appraisal of the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act ( FCRA ). The listed account below has violated my federally protected rights to privacy under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 section ( 2 ) Also states a consumer reporting agency can not funnish a account without my written instructions
Product: Credit card or prepaid card

Citi retaliated against me for submitting a large dispute by closing my account which is in violation of the consumer credit protection act avg the equal opportunity credit act which prohibits banks from discriminating against anyone who exercises in good faith any of the protections protected by the consumer credit protection act which includes billing disputes
Product: Debt collection

IQ Data International ( a collection agency ) promised to remove and " delete '' the collections account they had listed on my credit report, if I paid the collection company. Despite failing to provide adequate verification and validation or proving that I was liable for the account, I wanted to pay the full amount for deletion. I made sure that IQ Data International agent XXXX XXXX and agent XXXX XXXX understood that I would pay ONLY if they removed the negative account ( both verbally and in writing ). IQ Data International promised to remove and " delete '' the derogatory account from my credit reports once I paid the collection agency the total amount of {$340.00}, paid in full as agreed. 

Despite having paid the agreed upon amount in reliance upon IQ Data International 's promise to remove the derogatory account, they have not removed the negative account from my credit reports. In other words, IQ Data International lied when they promised to remove the account and breached their contract/ agreement and induced me to pay. 

IQ Data International debt collection company lied when they promised to remove the derogatory account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy reflected on credit after 7 years. Reference # 's XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone I've known for over 20 years stole my information and identity, and I found out by me being arrested and then hiring an attorney. The person, XXXX XXXX, actually worked and impersonated herself as me throughout several years. Several accounts and incidents have been opened fraudulently in my name. I want this person to be asked about it and take accountability for what she has done and how she has affected my family and me. 

Collection accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello I have a checking account and a debit card with Citibank When reviewing one of the statements I noticed a charge called " Foreign Transaction Fee '', I looked further and it turned out I was charged XXXXUSD of this fee in total over the past 15 months or so I raised this in the bank 's branch and ask to refund the fees as I wasn't aware about them, they told me that they notify the new clients about the fees and refused to refund it.., but I was never notified about this fee, neither verbally or in writing. Also other banks have never charged such a fee to myself so I couldn't imagine it was possible.. 
Can you please advise what could be my potential next step to try and have this fee refunded? 
If it helps - the Citi bank 's person name who refused to refund the fee is : XXXX XXXX ( Vice President, Branch Manager, NMLS ID : XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX ) thanks a lot in advance for your kind help with this have a nice day!
Product: Debt collection

I hope this message finds you well. I am writing to inform you that on XX/XX/2023, I disputed an item on my credit report regarding a debt that was reported by Capio. I patiently waited for a response from your office regarding this matter. 

In the letter I sent, I explained that I do not recall signing a contract or having any dealings with Capio. It is possible that they purchased a debt from my original creditor, but I am certain that I owe them nothing. According to my knowledge, the original creditor has written off the debt and filed it as a loss, which, by law, means I no longer owe the debt. 

Given the importance of this issue and my desire to fully understand the situation, I kindly request that you provide me with documentation that clearly shows why I owe this debt to the current collector. Having such information will help me resolve this matter and ensure the accuracy of my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian XXXX XXXX When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Product: Money transfer, virtual currency, or money service

I Am Filing A Complaint Against Cash App ( Block Inc ) Due To Inadequate Customer Service And Unfair Practices Which Violate The Consumer Financial Act ( CFPA ) Specifically Cash App Failed To Take Timely And Effective Measures To Prevent And Address Fraud On Their Platform Leaving My Account Vulnerable And Unprotected Furthermore Their Dispute Resolution Was Unfair And Deceptive As They Didn't Comply With Error Resolution Requirements Under The Electronic Fund Transfer Act ( EFTA ) And Regulation E These Actions Have Caused Significant Inconvenience And Financial Loss And I Seek Appropriate Redress XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed an account on my credit report that did not belong to me. I contacted XXXX Bank, XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, and I could not get information as that I did not have ALL the correct information. My social security number and date of birth were correct, but address and phone number were wrong. I filed a complaint with Equifax, XXXX, and XXXX on XX/XX/2023. I filed a Identity Theft report to XXXX Police Department, XXXX Oregon on XX/XX/2023. I received a letter from Equifax stating the credit account belongs to me, despite me not knowing any information or having access to it. I called XXXX bank again on XX/XX/2023. Once again since I didn't have the right information aside from XXXX and XXXX, I was not allowed to get any information about the account.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy and violation of 15 U.S. Code 1681B S-604A, C-2 and violation of 15 U.S. Code 1666 B. Regarding the XXXX XXXX Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for. Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 


XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$990.00} written off. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$990.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$990.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days CO Charge off XXXX No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Balance history XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$750.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Your statement Comment Current : None Previous : Account closed at credit grantor 's request. 

XX/XX/XXXX Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondences via mail and through the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the removal of disputed negative items from my credit report. To date, I have not received any resolution or response from your department, and this matter remains unresolved.