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

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX 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 a account without my written instructions 15 U, S, C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting incorrect info to credit bureaus is in Violations of my rights.
Product: Debt collection

PNC Bank informed me I needed to settle a credit card payment. I was able to successfully settle this with XXXX XXXX and Im requesting that my credit report be returned to its previous status and that the delinquency notice be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX on XX/XX/2020 XXXX Mail # XXXX XXXX XXXX XXXX XXXX requesting them to supply a contract to validate the account or remove the account from my credit report as of currently i still haven't recieved a responses. 

In accodance with the Fair Credit Reporting Act XXXX XXXX Account # 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 States : A Consumer reporting agency can not furnish a account without my written consent 15 U.S.C 1692 Section 805 ( A ) States : a debt collector may not communicate eith consumer in connection with the collection of any debt at any unusual time or place or a placr known or which shoulf be known tobe inconvient to the consumer
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the removal of the following incorrect information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I demand the removal of the following inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Debt collection

Hello, I see that National Credit System has been trying to collect {$900.00} from me for my past apartment woodbine. I moved out at the end of my lease in XXXX of 2023 and the landlord did their full walkthrough and everything was checked out and I handed in my keys and everything. With no issues now I see that this collection agency reported this {$900.00} on my credit report as a collection and I want it removed from all 3 credit agencies as I do not owe anything. Please help
Product: Checking or savings account

XX/XX/2021 closed account.Capital One stated that they had sent a {$260000.00} cashier 's check by a first class mail to our address. They weren't able to give me any sort of tracking number I don't think.l That they ever sent it. Weeks later we never received it. Contacted Capital One and they stated that we had to sign an affidavit that we never saw the check and then they would reissue another one or transfer it into an account for us within a week. I did sign the affidavit with said that they have up to 90 days to give us our check. It also states that they can at their discretion give you a check at any time. I have been trying now for 3 months to get this money and it has gone up the corporate chain and they have decided that they do not want to give me my money so I was left through XXXX XXXX XXXX XXXX the worst of the pandemic so far without this money that I needed desperately. This is my third complaint and all they say is in their responses that they are working on it.
Product: Credit reporting or other personal consumer reports

TransUnion has not responded to my many letters requesting removal on inquiries that are incorrect and unauthorized. These inquiries are not on the other 2 credit bureaus. I have sent multiple certified letters with tracking and return receipt ( attached ). From XXXX until present day I've been sending letters ( attached ). It is unfair to be ignored and the severity of not taking my situation seriously has caused financial injury and defamation of character.
Product: Credit card or prepaid card

XXXX had automatic payment agreement with me to deduct {$500.00} from my account in XX/XX/XXXX and XX/XX/XXXX and then XX/XX/XXXX they charged me the wrong amount of {$600.00} which caused my business to have 3 overdraft fees. I emailed them on XX/XX/XXXX as well as XX/XX/XXXX which was the original method of setting up this agreement and told them of the problem and to STOP ACH withdrawals immediately. I disputed with my bank and retrieved my money. They never responded to these emails even though they did with no issues setting up the payment arrangement. On XX/XX/XXXX they once again charged me {$600.00} even though I had sent in writing to the department that set up the original agreement and cancelled authorization to ACH withdrawals. I want my {$600.00} returned to my bank account ASAP. I disputed with my bank and this company lied and said they had permission to debit my account. 

The account is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
Product: Credit card

Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( XXXX ) owed are not accurate for the following items : Party Owed : XXXX XXXX  Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account NumberXXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, XXXX AND TRANSUNION Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found illegally reporting inaccurate information about me. The following alleged accounts is listed as collection with PAST DUE balance of : XXXX XXXX {$7900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$580.00} This a violation of the FCRA and also in violation of requisite Metro 2 Compliance reporting standards.

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 


With Great Sincerity, XXXX XXXX
Product: Credit card

In XXXX, I received a notice from Chase Credit Card Services that my credit card rate was below market at 14.5 % and that my rate was being raised to 16.5 % effective XXXX 2017. I have never been late on the card and have been a loyal customer. I was informed by Chase that if I did not want to pay the 16.5 % I can close my account. I submitted a written request to Chase to cancel this amendment to my credit card rate and honor the 14.5 % rate they provided pursuant to my credit card agreement. All consumers are aware of the impact to your credit score when closing an account. This is an egregious practice in interest rate hikes to consumers and should be stopped. Chase provided no other option besides closing of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pa housing finance agency was charging me {$100.00} a month, and then it was lowered to {$50.00} a month and it was backdated. Now my experian credit report is showing 180 days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018, 120 days late for XX/XX/XXXX-XX/XX/2018. They have XXXX past due. This is not correct, based on the payments I have made and my payment amount changing, my credit report should not have any late payments on the dates I provided above.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have made numerous phone calls, one as recent as yesterday ( XXXX ) where I called AND emailed them to do TWO THINGS : 1. To REMOVE my consumer statement that has been on my report since XXXX 2. To show that my student loans have been paid-off since XXXX. 
I sent a request in writing to XXXX on XXXX and called that day and requested that these situations be resolved ... .again. At the time, there was also a problem with another loan that I had paid off that they were not showing paid and after I sent them proof, that " was '' correct, but the other issues were " under investigation. '' Well, late yesterday, at XXXX XXXX., I spent a half hour on the phone with " XXXX '' ( XXXX XXXX ) at XXXX trying to find out what was going on. She was extremely nice and after putting me on hold for a long time, she assured me that the " consumer statement '' was removed because " it was not showing up on her side '' of the system. I kept showing it when I logged in, and even when I logged out and back in, the statement was still there. She then advised me to log-in on XXXX, which I just did, AND IT IS STILL THERE! When I called last night, I explained to her that I received this confirmation in the mail from XXXX that they did it and yet it was still on my report. I read her the confirmation number and she said that something was wrong but that she has seen where this has happened before. She then put me on hold and came back and said she corrected it, but apparently not! 

As for the school loans, that is there too, despite the fact that I sent them documentation that it was paid off. My credit report should only show that I have a home equity line and that it has an EXCELLENT credit history. My credit is being hurt as a result of this and I would like it corrected. Thank you.
Product: Credit card or prepaid card

I was a victim of fraud on XXXX Someone accessed my Truist bank credit card and took out 2 cash advances without my authorization. Since then I have made various phone calls to Truist fraud division plus many visits to their branches in Florida & Tennessee. I have been given credit for the {$1500.00} cash advance plus fees and interest on my credit card but the other cash Advance of {$1400.00} still remains on my card with a {$50.00} cash advance fee & interest charges monthly. Truist closed out my case and their Fraud division refuses to address this Cash advance problem. My credit card is now ending in last 4 of XXXX but the original card ended in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts were illegally obtained via my credit. I am so tired of keep disputing fraudulent items. Please remove these off my XXXX and XXXX report as this is hurting my score with fraudulent information. 

XXXX XXXX XXXX  Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX  XXXX XXXX Balance {$150.00} Acct Number Account number XXXX Date opened XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of my rights according to the 15 U.S.C. 1681 Code, not only do I have a right to privacy, I did not give you written consent to furnish anything on my report. Nor, is the information reporting 100 % accurate and must be deleted. 
There are unauthorized inquiries on my credit report and need to be deleted immediately XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX  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 XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

I am not liable for this debt with JEFFERSON CAPITAL SY. I do not have a contract with JEFFERSON CAPITAL SY. JEFFERSON CAPITAL SY did not provide me with the original contract as I requested. I do not owe this debt and that made me to dispute it when I saw it on my credit report. JEFFERSON CAPITAL SY is supposed to provide me with the debt validation which they don't have. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), JEFFERSON CAPITAL SY is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.Under the FCRA, unverifiable accounts must be removed and if JEFFERSON CAPITAL SY are unable to provide me a copy of verifiable proof, JEFFERSON CAPITAL SY must remove the account mentioned within 10 days, otherwise according to 15 USC 1692 I will sue or file an FTC report against JEFFERSON CAPITAL SY which has damaged my reputation, caused me serious mental stress, and affected my character by 1 ) reporting unauthorized debt on my credit report 2 ) ignored my humble request to remove this unauthorized account under the fair credit reporting act ( FCRA ) as my legal right.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX balance {$400.00}, XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00}, and XXXX XXXX balance {$18.00}. Along with these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have two federal student loans administered by MOHELA. The calculation for my second loan grossly miscalculated by MOHELA and they charged me far too much for the most recent auto-draft of the student federal loans now that the loan payments resumed. Loan # XXXX is for a principal balance of {$21000.00} at 4.05 % for 10 years ( 120 months ), though for some reason they have it posted in my loan details as 115 months. {$21000.00} at 4.05 % for 115 months should be a monthly payment of {$220.00}, though they are charging me {$220.00}, which is pretty close. Loan # XXXX is for a principal balance of {$16000.00} at 5.05 % for 10 years ( 120 months ), though for some reason they have it posted in my loan details as 119 months. {$16000.00} at 5.05 % for 119 months should be a monthly payment of {$170.00}, though they are charging me {$320.00}!!! This is grossly miscalculated. I called MOHELA on XX/XX/2023 to draw attention to the fact that they grossly miscalculated my monthly payment for XXXX # XXXX. They phone associates did not understand that the calculation was incorrect and were asking me to look at other loan repayment options, but I explained the calculation was incorrect based on the principal balance, interest rate, and loan term. I asked to speak to a manager, who admitted the loan calculation was incorrect but could not explain why. He said that he recalculated it and the new monthly payment for both loans would be for a combined {$410.00} ( this is still not quite correct, but much closer ). Even though the manager said he would fix the issue I was still charged {$540.00} for the most recent loan payment in XX/XX/2023.
Product: Credit card

Somebody opened a credit card for GAP in my name without my knowledge and it is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX filed a complete direct dispute with equifax And XXXX Ive already sent in police reports theft affidavits complete full copy of my driver license and proof of address and the accounts and inquiries that are fraudulent Equifax and XXXX Failed to Protect my Consumer rights they did not block or delete the information from appearing on my personal credit report within 4 buisness days of acknowledging the receipt of documentation which by law is a violation under the fair credit reporting act section 605B. 


XXXX still have collections of :XX/XX/XXXXXXXX $ ( Fraudulent XXXX XXXXXX/XX/XXXXXXXX $ ( fraudulent XXXX XXXX XXXX $ ( fraudulent Equifax reporting a fraudulent account XXXX from ( XXXX XXXX XXXX ) I have contacted all creditors Ive sent all documentation to the credit reporting agencies and they have completely failed to protect my consumer rights!!!!!!! Im now filing another suit against Equifax and XXXX for Defamation of Character and emotional distress this has to be stopped the fraudulent accounts that I listed above needs to be removed from my personal credit report ASAP!!!!!
Product: Debt collection

As of XX/XX/2020 i noticed 2 auto loans on my credit report which does not belong to me. The accounts are as follows : I HAVE CONTACTED THE COMPANY BUT THE ISSUE IS UNRESOLVED.
Product: Debt collection

I recently saw my credit report as I was thinking about purchasing a home and noticed a collection account that I did not receive any notice to dispute or to verify this debt which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). LVNV FUNDING is reporting this false information on my consumer report without verifying it first which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provides proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number. Additionally, I demand that they answer my dispute line by line in order to XXXX  validate and verify this information. If they can not provide if they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax and other credit bureaus on XX/XX/XXXX regarding incorrect information on my credit report and score. I sent in copies of my Georgia state id, passport, and social security hoping that they could correct my information on my file. I just turned XXXX XXXX and while researching about credit I found that mines had a charge off from XXXX XXXX in XXXX. I contacted the credit bureau in hopes that they would correct my information and also delete the charge off because at that time i was only XXXX years old! There is no way that I would even be able to start an account let alone pay a bill at that age. I got my results XX/XX/XXXX and I feel that the company did not take the investigation seriously. From the information that I gave to them, to the letter that I sent personally explaining my issues on why this shouldnt be on my credit report. Equifax only updated my information and did not take this charge off from my account I dont understand why this closed account is affecting me still when I gave the company ample information verifying my age regardless of what XXXX XXXX could match because that was not me.