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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX DOB XX/XX/XXXX XXXX TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXX  XXXX XXXX PA XXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXXXXXX XXXX XXXX  - Account # XXXX - Delete this account because you are inaccurately reporting- This account was charged off on the following date XXXX. Since then, the account has repeatedly been updated as charge-off every month. 
This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Credit card

I opened a dispute with Citi Bank over a purchase with XXXX. The issue was that XXXX would not honor their return policy. I purchased a bed frame from XXXX and was dissatisfied with the quality, thus I went to return. XXXX refused to accept the return even though it was within the proper time frame and inside the original boxes the item came in. 

I call my credit card company to opened a dispute stating they refused to except the package. Citi Bank sent me a form to fill out and with it I attached a letter explaining my exact reason for wanting to return it, I was establishing it was a return with cause and not in bad faith Citi Bank then went against my claim once they received a boilerplate answer from XXXX. Citi Bank refused to look at the evidence and returned the money to XXXX and now claim I must go after them myself. 

On XXXX/XXXX/16 at XXXX I called and spoke with a dispute rep in which she admitted that they incorrectly filed the claim as problem with quality instead of the correct claim, failure to honor return policy. They made a mistake in handling this claim and now want me to remedy myself. This call has been recorded and I can provide it as evidence.
Product: Debt collection

Someone tried to write out a check to me and pull {$140.00} from XXXXXXXX XXXX using my information but I did not write the check or sign it. It was from XX/XX/XXXX from a XXXX XXXX XXXX address XXXX XXXX XXXX XXXX PA XXXX. I have received XXXX notifications from XXXXXXXX XXXX from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not recieved any other notifications until now XX/XX/XXXX from Financial Assest Management Inc debt collection asking to pay {$190.00} for the amount owed to XXXXXXXX XXXX. Someone used my information to pull money and now the bank is trying to get money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am a victim of XXXX XXXX and XXXX, Experian, and XXXX are reporting 30 day late payment for XXXX account on my credit report. The Cares Act states that NO Late Payments are to be reported to the financial bureaus during the time of Covid 's Forbearance period. I have written disputes to all three credit reporting agencies the account that they are reporting as late and they have not deleted the 30 day late payment. I need XXXX, Experian, and XXXX to abide by The Cares Act. They are violating The Cares Act. Please ensure that XXXX, Experian, and XXXX update the XXXX  account to reflect a clean and on time payment history, and DELETE the thirty ( 30 ) day late payment. Thank you for your hep with this matter.
Product: Debt collection

Spoke to the front desk onXX/XX/XXXX and ask about the accounts they are reporting to credit bureaus. She couldn't give me any info on these accounts and told me to call the original creditor. This collection agency is reporting false and misleading info to the credit bureaus and it affected me tremulously. 

They no longer have the XXXX XXXX XXXX account. 

I called XXXX XXXX XXXX hospital and they could tell me nothing besides calling the solicitor 's office. I called the solicitor 's office and they didn't have anything on record. 

I called XXXX XXXX XXXX and they said I paid {$180.00} onXX/XX/XXXX that was the only info they could provide. 

I called XXXXXX/XX/XXXXand they email me a bogus invoice with false info. I didn't start service until XX/XX/XXXX - XX/XX/2015. They enter an amount at the end of the invoice for {$75.00} with a false date. this is fraud. 

The collection agency is reporting this info but can not validate or have any supporting documents.
Product: Money transfer, virtual currency, or money service

It happened on XX/XX/2018. I have an account with Paypal. I use it to buy things online. {$400.00} was sent by mistake on one of my friendss cellphone number who happens to not have a PayPal account. I called them immediately and they told me they were going to investigate. Well I then received an email from them saying that they wont be able to give me a refund because the transaction was not unauthorized. They gave me an email and the name of the company that has received the money. XXXX XXXX XXXX. I contacted them. They said the account that they had with PayPal is closed. I dont know what to do.
Product: Credit reporting or other personal consumer reports

Before volunteering to pay off credit card, I called XXXX XXXX XXXX  and they agreed that once they received payment that they would delete the account from my credit profile, because it was reporting negatively. I paid them as promised and they never deleted the account. I have disputed the account several times and they still have never deleted the account as agreed.
Product: Credit reporting or other personal consumer reports

I was a full-time student at XXXX View XXXX XXXX XXXX University XXXX I was looking for housing and I came across this apartment University Trails XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I completed an application, but it took them over XXXX weeks to find me an apartment. I told them I could wait any longer and school was about to begin. I told them not to worry about it and went somewhere else and rented an apartment. After I signed the lease at the other apartment complex, they called me and said they had an apartment ready for me, I told the manager at University XXXX I already have an apartment, and she responded that she was going to report me to the credit bureaus. 

I never signed a rental contract, nor did they assign an apartment or give me access or a key to an apartment in that complex. XXXX XXXX XXXX started sending emails to me requesting payment of {$5000.00}. How could I owe anything when I never leased from this complex. I filed identity theft on this account with the FTC because XXXX XXXX XXXX obtained my personal information without my consent. I certified mailed XXXX XXXX XXXX a letter, with the FTC identity theft report requesting documented proof back in XX/XX/year>. 

They never responded to my letter. Instead, they are still harassing me with phone calls and emails even after I requested that they cease and desist all contact with me in the certified letter. They have reported this fraudulent account to all three credit bureaus as a negative collection. I have sent all these documents to all three bureaus, but this fraudulent account is still reporting on my bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the following ACCOUNTS and INQUIRIES, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I haven't checked my credit report in a long time, I went to the bank to get a home loan and they informed me about these accounts and inquiries. I don't know who could have done this, this is identity theft and a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want everyone to know about the unfair practices of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX. I noticed three months ago when i started monitoring my credit that there is a collection from a pain clinic that I have never been to before. I never received a bill before the debt went to collections in the first place. The debt also reads closed so im still not sure why they are still reporting in the first place on this fraudulent collection. When I disputed this collection on my credit report the company retaliated against me and the first time in four years the collection went up by {$2.00}. Coincidence? No its not its smells retaliation from a company who reports false information tarnishing the public 's credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on my credit from IC systems. The original creditor is sprint, and it says the debt is from XXXX. I haven't had XXXX since XXXX, and I don't believe I owed them anything. Either way, that's past the statute of limitation, and should not be showing on my credit report.
Product: Debt collection

Some company calls me all day while i am at work XXXX from many different phone numbers none of which shows their identity. When asked to validate the debt they sent a letter with the wrong amount and acct number im guessing its the acct number they assigned.. the person proceeded to inform of this debt and when i could talk i informed her i was at work and didn't have any if the information at hand and i do not wish to do business with them and i do not recognize that business after going over the letter they sent seeing the numerous mistakes and trying calling one of the numbers they called from its no longer in service.
Product: Debt collection

Focus Recievables Management calls my home multiple times a day. When I answer, it is just a recording asking me to call back. I do not owe any debts to any company, so I attempted to call back 4 separate times to ask them to stop calling me. Each time, the line says all representative are busy. Yet, the company calls me nonstop.
Product: Credit reporting or other personal consumer reports

TransUnion was notified in CFPB complaint XXXX regarding inaccuracies in the reporting of a child support account ( XXXX XXXX XXXX XXXX ) on my credit report. At that time, TransUnion listed a balance of {$3700.00}, while XXXX reported {$4300.00}. Since then, XXXX has deleted this erroneous account, yet TransUnion responded by merely updating the account with a new inaccurate balance of {$3500.00}, which still does not match any verified records. 

I would like to know on what grounds TransUnion is reporting this unverified amount and who specifically verified this information. Furthermore, I previously stated that the payment history is inaccurate, with TransUnion reflecting 120 late payments over three years, while XXXX only reported a single 180-day late payment in XX/XX/scrub> 2024. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure accuracy in consumer reporting.

Due to these inconsistencies and TransUnions failure to verify how they claim their reporting is accurate, this account should be deleted, not updated. I urge you to reference TransUnion vs. Cushman, which establishes that credit reporting agencies have a duty to conduct reasonable investigations. I expect immediate deletion of this account and written confirmation of its removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

sometime in early XXXX, I cancelled my XXXX XXXX car insurance policy and had an outstanding balance of {$85.00} that I didn't know about. When I took care of the bill ( when I finally found out about it ) it had gone to collections despite there being no efforts to contact me directly. The bill reflects paid in XX/XX/XXXX and was reported to the credit bureau in XX/XX/XXXX. 

Fast forward to this past month XX/XX/XXXX, and I am in the process of opening a business and applying for an XXXX loan. despite my credit score on XXXX, XXXX, and XXXX being in the mid-high XXXX, the company the bank used to pull credit reports pulled my credit as over XXXX points lower, the lowest being a XXXX and thus denied me the loan based upon this {$85.00} bill that's been paid for almost 2 years that I had no idea even was an issue. I've had my credit pulled numerous times and never had this issue, so for some reason this company that the bank used, Credco, was able to interpret the same credit information as XXXX points lower than all the other credit reporting agencies. despite the bill being paid almost 2 years ago, and having a very healthy credit and work history, the XXXX denied me a loan based on this one credit pull based on this report from Credco.
Product: Money transfer, virtual currency, or money service

I can not transfer money into my XXXX  account.
Product: Checking or savings account

I received refund Federal income tax refund check {$31000.00}. On XX/XX/XXXX I received confirmation of my Citi Priority XX/XX/2023. When I tried to get cash out I got 3rd degree from fraud department every single time. They let me deposit {$500.00} check from a XXXX in North Dakota who pays me cash rent & never had any problems, but when it s Federal Income Tax Refund, they treat me like I am a common criminal. I have told them that I am a XXXX and bill collectors are calling day after day. 

I just don't need added stress. Fraud department phone number XXXX Routing number XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been called several times from a place called CRME for various medical bills that have never even gone to collections. 
Caller ID shows up as a local number XXXX. Automated voicemail gave # XXXX. I called back and the girl that answered stated I owe medical bills from 2014. ( Which I do not owe ) She was very rude and wanted to argue. I told her to call the doctor 's office that she is so called representing and send me something in the mail documenting this because I have never received anything at my home address about any bills. ( I have lived there for 8 years ) She wanted my credit card number and I would n't give it. I told her to send me documentation in the mail and she hung up. 
I tried to go on their website to pull up the so called account # they were referring to and it directed me straight to a payment page where I had to enter a credit card. There is no way to pull up any info without inputting your credit card number. I did not do of course. 
My identity was stolen at the beginning of this year and I am still trying to clear the mess because of these scammers. I am so tired of these losers stealing from people..
Product: Credit reporting or other personal consumer reports

Just called customer service and still sitting on hold! Been on the phone for over 45 minutes now. Not only did I call to request an XXXX  person to refresh my profile and account because myself and any creditor I'm trying to obtain information for loans, etc., when they pull my report can not see anything of substance. According to the customer service rep, when I call out creditors that should be on my credit report, they say it is there and visible to them. Then, the rep proceeded to tell me that I did not purchase any of their premium services. Uh, I DON'T HAVE TO! 

I'm still sitting on hold for a supervisor and for an XXXX based issue. So they can see my full report, but myself and the potential credit grantor can not see what they can. They are illegally withholding my credit information. And trying to make me purchase their services in order to see it. Or they want me to have a paper copy mailed to me. 

NO! I should be able to see my entire credit report by logging online on my account. 

I'm supposed to be getting ready for work! They are costing me time, money, unnecessary stress and financial detriment. 

THIS IS NOT A DUPLICATE FILING! READ IT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a listing on my credit report from XXXX/XXXX. This account was passed off to XXXX XXXX and we ended up going to court where I was awarded a judgement for defective goods that they sent me. The credit bureau was sent a copy of the court documents and are refusing to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX  
2. XXXX XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX.

3. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

4. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX.

5. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

6. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

7. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XXXX ( Reported Identity Theft )
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd submitting a dispute request via the CFPB about Experian and XXXX simply because these ( 2 ) bureaus are NOT responding to my disputes ... Please delete this negative debt especially since you all can not even verify it ... By law you have 30 days and its been almost 4 months. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XX/XX/1984 XXXX
Product: Debt collection

On XX/XX/2019, I paid my debt with RISE off completely and received notification that this debt was paid in full. 

I have called and e-mailed this company several times to report accurately to the credit bureau, however, they have failed to respond. 

I was advised today that they do not report until the following month after the debt has been paid, which will place this over 45 days. 

I have disputed this with the credit bureau as well and RISE has failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX aXXXX XXXX placed a Charge off on my credit reporting statement despite the fact that they were paid off in full and I have records to prove that. The bank got paid the agreed amount of {$2300.00} dollars as a difference between the book value of the vehicle totaled and the balance on my auto loan. The bank sent me a letter to pay within 180 days and I complied by paying the balance in full. Yet the bank decided to place a CHARGE OFF on my credit report. Clearly this is fraud. According to XXXX search I found that When an account displays a status of charge off, it means the account is closed to future use, although the debt is still owed. The credit grantor may continue to report the past due amount and the balance owed. Clearly that is false. The bank was paid in full.
Product: Checking or savings account

8 mobile deposits were made to my checking accounts not by me and Wells Fargo froze my accounts and said they were closing my accounts by XX/XX/29
Product: Credit reporting, credit repair services, or other personal consumer reports

The account status is reporting different with all 3 bureaus.

The number of months is reporting different with all 3 bureaus.

The payment status is reporting different with all 3 bureaus.

The last reporting date is reporting different with all 3 bureaus.

The last date active is reporting different with all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit report after almost a year, I am seeing that a number of unrelated accounts that are definitely identity theft are showing up and affecting my credit score. I was never called or contacted about these accounts that I never opened but they are on my account and affecting my credit badly.
Product: Credit card

I have requested proof of investigation for these reports on my credit history. Please help me with this issue. Thank you. Below I will list the dates of these accounts. The balance on them regarding my credit report is {XXXX but they still negatively report on my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX