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

I XXXX XXXX XXXX, recently acquired a credit report from XXXX and Transition on XX/XX/2024 and Noticed the statements are incomplete and inaccurate in accordance to the Fair Credit Reporting Act. 

Whereas, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

These accounts XXXX XXXX XXXX XXXX, Account # XXXX, are not complete and accurate according to 15 U.S.C . 1681 having permissible purpose nor is it stated in either of the reports therefore is null and void and shall be deleted and reports shall be updated immediately. 

These accounts XXXX XXXX XXXX, Account # XXXX, are not complete and accurate according to 15 U.S.C. 1681 having permissible purpose nor is it stated in either of the reports therefore is null and void and shall be deleted and reports shall be updated immediately. 

XXXX XXXX XXXX XXXX, Account # XXXX, reflects that the account was paid in full and closed with a {$0.00} balance yet reflects and late payment. The report shall reflect all positive reporting and not a negative nor derogatory statement on a closed account that's still apparently open as the status is currently being updated. Therefore, the reporting incorrectly date of last payment is not correct, this account is not accurate and shall be deleted immediately. 

XXXX XXXX XXXX, Account # XXXX, reflects that the account was paid in full and closed with a {$0.00} balance yet reflects and late payment. The report shall reflect all positive reporting and not a negative nor derogatory statement on a closed account that's still apparently open as the status is currently being updated. Therefore, the reporting incorrectly date of last payment is not correct, this account is not accurate and shall be deleted immediately.
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 {$13000.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Debt collection

XX/XX/2019 I received notice of bill for {$27.00}, they claimed was due. I disputed the bill ( I could find no record of ever charging any to the account number XXXX- XXXX in the name of XXXX. ). The conversation was going nowhere, so I decided to just paid the account and close it ; which I did following their online program ( or so I thought ). The check issued, # XXXX to PayPal Credit  was mailed it on XX/XX/XXXX ; PayPal Credit, XXXX. XXXX XXXX, XXXX, NC XXXX and it was processed at my bank on XX/XX/XXXX. On XX/XX/XXXX I received a notice that I owed {$57.00} for the previously unpaid {$27.00} plus interest and a {$25.00} minimum service fee. I have tried every avenue to correct the situation using and following the instructions on their website. This has involved contacting their collectors by phone, text, email, virtual assistants, and live chat, All live phone conversations ended in a 20-30 hold with a disconnect or simply referring me back to a collector. I have had to wait for return contacts by phone that has never come. Now I have received a bill for {$96.00}. I am XXXX years old and have health issues and can not keep dealing with these individuals, so I am paying the {$96.00} and trying again to close the account.
Product: Money transfer, virtual currency, or money service

I have a PayPal account, and I recently received a limitation from PayPal, which I was able to resolve by providing all necessary information ( business information, my ID, and other information ). After the account was restored the next day, I received another limitation that did not make sense, so I contacted customer service, and I found out on the next day that the account was permanently closed. and i still have my fund in the account, they claimed that they will hold it for 180 days, and I am not happy with this decision since they did provide any reason for closing and holding my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

We have put a freeze on the Credit Bureau accounts several years ago and lifted the freeze in the instances employers, bank, etc needs to check on our credit worthiness. Until now. We needed a credit line for business and recently need to change to a different credit card with XXXX XXXX. We tried another credit card with our coop XXXX Again ALL three bureaus required. 

We could not log in to our account with our login details because EQUIFAX apparently revoked the logins. After several hours on the phone having to respond to quizzes on minutiae of transactions done years ago they have in a database ( a luxury we do not have ), we objected. We we then told that we will have to provide them, EQUIFAX, the bureau that had our private details hacked, insisted we provide them with copies of our Social Security Card and Drivers License. And we need to write them for permission to our own data. We refuse to offer ANY private data to this company. 

We have our state representative, XXXX XXXX, taking this case up. We need this interaction to get Senator XXXX   engaged as well. 

So, here is the complaint : EQUIFAX practices have now become untenable and unlawful we can not log on to do a self-managed freeze lift unless and before we turn over COPIES of our Social Security Card, Drivers License and WRITE them to attain permission. Right now we can not do business because we refuse to work with Equifax. This choice means a diminished freedom to do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, OK XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Business & Professional collection services is reporting XXXX accts which I paid & they agreed to remove from my credit when they accounts were paid. I 've contacted all XXXX of the bureaus and XXXX has removed the accounts. XXXX & XXXX however are still reflected as a current collection on my credit report. I know this is a violation of the FCRA especially when the company agreed to remove it when it was paid. I 've tried contacting them through normal mail, phone & the bureaus but they are ignoring my requests. Can you please assist me in getting these XXXX accounts removed from my credit?
Product: Credit reporting or other personal consumer reports

Equifax is showing payment history incorrect, it shows : Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX. Payment paid on time to next month 60 days past due to paid on time. Account shows charged off to next month paid as agreed. Information is inaccurate and needs to be removed.
Product: Credit reporting or other personal consumer reports

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 

These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law.

15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
Product: Debt collection

On XX/XX/year> I was harassed by a female customer service representative at Flagship Credit. She refused to give me an update on Flagship rectifying their error, and continued to yell and cut me off with every sentence. This representative went on to tell me that Flagship would never allow me to be a customer again because I can not afford their services. She assumed my socio-economic status due to my race. I have never been subjected to such abuse when seeking assistance from a customer service provider before.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a auto loan account on my credit report, that I am not liable for, nor signed contract for. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Again, I do not have account with the following company - XXXX XXXX XXXX XXXX  acct # XXXX
Product: Mortgage

First of all I have XXXX, and dealing with this issue has not been easy and is totally unnecessary. I am on XXXX with limited funds, however, I have ALWAYS made my payments on time for the past 16 years, usually around the XXXX due to limited funds and before a late fee. On XX/XX/XXXX, for some reason I went online to check my account knowing that I was going to be making a payment on the XXXX, for my XX/XX/XXXX payment ( I had already gotten my paper statement showing that stated I was due for XX/XX/XXXX ). However, when I got online it said that I was due for XX/XX/XXXX in the amount of {$1300.00} and to call immediately. I did call right away to find out what was going on with my account. I spoke to a lady that said that she didn't see a problem but would have someone look into it right away and get back with me. I never hear back so four days later I called and asked for a supervisor and spoke to XXXX XXXX ( XXXX ). She reviewed the account and couldn't find a problem, therefore, had someone else review the account while I was on hold. She came back on the phone and said they found that in XX/XX/XXXX they reversed my regular payment of {$1100.00}. and took {$260.00} out of my payment and put in my escrow account without my knowledge or any indication on my payment history. There wasn't anything in her notes that said they notified me either. I then told her that I just paid a escrow shortage of {$150.00} in XX/XX/XXXX and then in XX/XX/XXXX they took more. This never reflected on my monthly statements that I was ever late or owed a escrow shortage. At that time I was livid because, I was a XXXX XXXX  XXXX previously and I know that the lateness they are showing on my account will also be reported to the credit bureau as now being 60 days late. On XX/XX/XXXX I continued to make my regular payment until this situation gets cleared up. XXXX advised me that they would expedite this situation quickly and would get back to me as soon as possible. That day after our conversation, I received 4 notices from Mr. Cooper claiming that my account was past due and options available to prevent foreclosure. Since that time, I have gotten a letter saying it could take up to 30 days to correct this issue which will be up on XX/XX/XXXX. The funds that I paid the past two months is now sitting in " unapplied funds ''. They also put a tag on my door knob to call them asap. This is totally embarrassing and humiliating to be treated like this when I have never missed a payment. I will continue to make my payments, however, I am very concerned where this money is going and scared they will start foreclosure proceedings. This whole ordeal has caused me to be suffering from a lot of stress that my health can't afford to handle. I tried to call XXXX on Monday, XX/XX/XXXX for an update, left her a message and two days later I still haven't gotten as much as a phone call. I am enclosing statements from XX/XX/XXXX to present for your review.
Product: Consumer Loan

I did not authorize the credit inquiry dated XXXX/XXXX/2015 to Capital One Auto Finance and ask that this inquiry be removed immediately as I did not authorize it and is a fraudulent Inquiry.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an email was received from Venmo stating " [ ACTION REQUIRED ] You did not have sufficient funds in your account to cover there payment of a dispute case. '' Venmo has restricted the account on the grounds that some type of item was purchased when the transaction is considered a gift as marked with a gift emoji. 

The company describes its service as making sending money safe, simple and social. Yet shows negligence when cases or disputed. I was even contacted by Venmo whom states the account is not even associated with its email address.
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 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX and fraudulent inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. 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 FTC Identity Theft Criminal Complaint XXXX  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: Debt collection

I have been contacted several times from various numbers, some XXXX, XXXX, XXXX, XXXX, and XXXX ( local ) numbers about XXXX times roughly every other day from XXXX XXXX ( IXXXX XXXX XXXX  XXXX for the past XXXX months. They normally open with consumer services, a couple of times it was a completely different company and that they are attempting to collect a debt from ChecknGo. I have spoke with ChecknGo and they state I have no open debt or any debt that has been charged off. I have managed to speak with the debt collectors XXXX separate times asking for validation of debt. The first guy hung up as soon as I asked, the second said he was marking that I refused to cooperate and hung up, the third said it was already sent and they could not do it again then hung up, they fourth actually sent me a letter stating how much was owed and what company it was owed too by text msg but that was all the information regarding the debt then ended they call amicably. It did how ever give me the company name that they were calling from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from Equifax to date. The following are the details of the disputed accounts and the required corrections : XXXX. Account Name : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Original Creditor : COLLECTION XXXX. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Original Creditor : COLLECTION I assert that the above-mentioned accounts are not mine, and their presence on my credit report is inaccurate and unjust. I dispute the reported balances and past due amounts, particularly for accounts that are closed and charged-off. These inaccuracies have had a detrimental impact on my credit score and financial reputation, causing significant harm to my creditworthiness. 

I also found inaccurate information in my credit report for the account identified as XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} ). I recall having a lower Balance than {$5900.00} on this account. Moreover, the Past Due amount shouldn't be reported for this account as it is closed and charged-off. I request Equifax to mark this account as disputed while I resolve my dispute with the creditor and verify the Date Opened, Date of Status, and First Reported.
Product: Consumer Loan

I was placed into a program with my Auto Loan a few years ago, I just found out that I was recently removed without any prior notification. I called to see what was going on and I was told the rules changed to qualify and I was no longer eligible. I 'm XXXX XXXX XXXX and now I am trying to figure out what to do. I have been stationed in XXXX for the past 11 months. They stated that they mailed a letter in XX/XX/XXXX to me but like I stated, I 've been in XXXX since XXXX 2015. 
I looked at my credit report and it shows up now as a charge off/ collections account and has effected my credit. I have still been making my payments as I agreed to for the amount in the program. 
I do n't know if it is still that amount or if the payment went up or if the interest went up now that I am not in the program? I am suppose to leave from XXXX in a week and go back state side. By this being on my credit now, it is going to affect me getting a place for my pregnant wife and I along with our kids to find a house to live where we are getting sent to next.
Product: Credit card or prepaid card

In XX/XX/2022, My card was charged at an airline for {$1800.00}, When I found out i called my bank CITI BANK credit card # XXXX very same day ( which was my part of responsibility ) and informed the transaction and a dispute was opened, on the XXXX they denied my claim saying the address matched on the profile but when bank secured information from that airline it had passengers that i don't even recognize at all.Just on that basis they denied than i called and explained them again, i left that place 1 month ago and i haven't been on that address and somebody got hold of my mail or something, they sent another denial on XXXX of XXXX, saying the same reason. i don't know those individuals who bought the ticket, bank neva carried their verification by sending a text message because i never shop these huge amounts. i am a XXXX student and i would really appreciate any help on this XXXX XXXX