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

Transunion is destroying my credit. I went from XXXX to XXXX in the matter of less than a week over an {$8.00} increase in one of my cards. There are balances reported on my credit report that are outdated and have yet to be updated. Yet, when I go to dispute them I get an error and have to start over only to get the error again. There are old cards with {$0.00} balances that were closed ( by me over annual fees ) still sitting on my report making me look like a credit card junky. I am trying to improve my score so I can buy a car, but at this rate it will be impossible. At this point, I'm afraid to use any of my credit cards. XXXX scoring is very unfair to consumers especially when my FICO score is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.

Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. 

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days.

The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference.

My credit report contains fraudulent INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit report. 

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

XXXX XXXX XXXX IN XXXX CA XXXX DID THEFT ON MY BANK OF THE WEST IN XXXX CA XXXX IN XX/XX/XXXX AND RUINED MY ACCOUNT BY DOING IDENTITY THEFT, DOUBLE CHARGING ME AND POSTING MY PAYMENTS 30 DAYS PAST DUE. XXXX CALIFORNIA IS GANG INFESTED AND I AM A GANG SUPPRESSION PERSON. THE GANGS THAT WORK IN THE BANK AND XXXX XXXX XXXX TRIED TO RUIN ME. THEY REPORTED LATE PAYMENTS AND CHARGED OFF MY XXXX XXXX XXXX XXXX. THEY PLACED A {$3200.00} LOAN AS A CHARGE OFF ON MY XXXX REPORT IN XXXX AND NOW IT SHOWS A XXXX BALANCE AND SENT ME TO A COLLECTION AGENCY. THEY ADDED A BANK OF THE WEST LATE CHARGE AFTER THEY THEY HAD REMOVED IT .THEY MANIPULATE MY CREDIT REPORTS AT WILL. THE GANGS HERE WORK IN THE BUREAUS AND GIVE THEIR MEMBERS GOOD CREIDIT AT WILL .I HAVE BEEN FIGHTING IDENTIYT THEFT USING A TASK FORCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to TransUnion, XXXX, and XXXX on XX/XX/2021, to let them know that I was a victim of identity theft, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Product: Debt collection

API has been contacting me about a debt that they will not send me a validation letter for. They have started to call relatives that I would never or have ever used as a reference. They are calling well over three times a day. I have asked them to stop calling my place of employment as well as faxed a letter to them to stop calling my employer. The fax number they gave me was XXXX.They have threatened to sue me or freeze my bank account. This is becoming ridiculous ans stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$460.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still items that should be deleted. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX Balance : {$110.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3600.00}
Product: Credit card or prepaid card

My concern is that the Capital One Credit card site is trying to lead clients into fraud regarding false promises and XXXX offers. 

I received a notice that a payment I sent in to BJ 's Capital One Account. When I tried to talk to a person about it - I called the number on the Capital One website linked to my account. ( XXXX XXXX XXXX XXXX ) After taking down personal info, the man who answered tried to sell me a product which promised a {$100.00} check. After a few refusals on my part, he would not give up. I asked him to solve my problem. He told me that they had changed the numbers for help and he could not help. me. 

This morning I called the same number to report the problem. He connected me to the fraud department. When I explained the issue- the man hung up on me. 

I then called the number for fraud on the Capital One website ( XXXX XXXX XXXX ) and the woman offered me a XXXX  XXXX  and refused to do anything else. 

I am concerned that my personal information has been compromised by Capital One and there is no number to call to address this concern. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX - XXXX XXXXXXXX XXXX XX/XX/XXXX was reported XXXX past due, XX/XX/XXXX was reported XXXX  days past due, and XX/XX/XXXX reported XXXX past due. This does not correspond with the dates reported in EXPERIAN and XXXX, as they report XX/XX/XXXX - XXXX  day past due, XX/XX/XXXX - XXXX  days past due. and then XX/XX/XXXX XXXX days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. EXPERIAN : EXPERIAN states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. XXXX : XXXX shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. XXXX shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.
Product: Payday loan, title loan, personal loan, or advance loan

Contacted the company by email asking why my balance has not changed, as I have been making payments to the account. 
The originator of the loan is/was XXXX, who ended up going out of business or closed their doors, where now System and Services Technology acquired these loans. It was stated on a email sent to me by XXXX stating that the credit I had with XXXX will now turn into a 5 year loan, and that the payment will reflect principle and interest payment together. I have made Two payments this far since the change and it appears as my principle balance has not moved at all. 
I will not make any more payments to this loan as I believe its predatory if not unlawful to not credit my account accordingly reflecting my on time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account XXXX, XXXX  account XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX this accounts above 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

My wife and I enrolled into XXXX XXXX XXXX in or around XXXX. One of the accounts that was settled through them was a Lowe 's credit card with Synchrony Financial. The approximate balance was XXXX. XXXX XXXX XXXX made a settlement to synchrony and Synchrony then informed them there was a XXXX balance on the account and refused the funds. Almost one year later, synchrony reached out to XXXX XXXX XXXX  to let them know that synchrony had made a mistake and that the funds were indeed owed. XXXX then asked synchrony on XX/XX/XXXX at XXXX XXXX  via email from XXXX XXXX at XXXX to XXXX XXXX  if they would honor their previous agreement from XXXX of XXXX. If synchrony agreed to it, which they did, Then XXXX would overnight a check to them in the amount of XXXX. This check was cut on XX/XX/XXXX and overnighted to Synchrony bank which they received on XX/XX/XXXX at XXXX XXXX  and signed for by an XXXX XXXX. The tracking number from XXXX  for the check is XXXX this check was endorsed by synchrony and has their stamp on the back of it. Fast forward to XXXX and I am served a warrant in debt for this account. I provided all of the information to their attorneys who promptly dismissed the case. Summer of XXXX i was sued again for the same account in which they are alledging i owe them over XXXX dollars. Again, provided their attorney with the paperwork and case is dismissed without prejudice. Spring of XXXX I am served a warrant in debt again for the same account same amount. Theres a new attorney involved and I provide him with the paperwork, drops case without prejudice. After that I get in touch with synchrony via letter to dispute the debt and never receive a response. Two weeks ago, I am served AGAIN at which time their attorney informs me that my dispute isnt valid even though i have all of the correspondence to prove im correct. this case is scheduled to go to court on XX/XX/XXXX and as of late their attorney has pretty much cut me off with communication. I am ready to countersue them for damages just because this has become such a problem for me and my family.
Product: Debt collection

National Credit Systems XXXX The law clearly states No collection account can be listed as OPEN ( FAIR CREDIT REPORTING ACT ) I Contacted the debt collection agency and asked them how they came up with the amout of XXXX And i wanted it verified they never verified the amount.. Plus dont have the right to collect they cant produce nothing i sgned with them
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report maintained by XXXX. My credit report contains errors that have not been adequately investigated or corrected despite my prior disputes, which is in violation of the Fair Credit Reporting Act ( FCRA ). The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, highlighting systematic failures in handling consumer disputes, including issues identical to mine. 

Specifically, I am disputing the following inaccurate items on my report : COLUMBIA DEBT RECOVERY - {$4400.00} Under the FCRA ( 15 U.S.C. 1681i ), XXXX is required to conduct a reasonable reinvestigation of disputed information and notify me of the results within 30 days. However, like the cases outlined in the CFPB complaint, my prior disputes have been mishandled, including : Failure to forward my dispute with all supporting documentation to the furnishers. 
Uncritical reliance on furnishers ' responses, even when evidence contradicts them. 
Failure to provide clear and accurate dispute resolution notices. 
Possible reinsertion of previously deleted inaccurate information without proper certification or notification. 
These failures have directly harmed me by negatively affecting my credit score, leading to potential denials of credit and financial opportunities. I demand that XXXX immediately conduct a reasonable reinvestigation of the disputed items, remove or correct the inaccurate information, and provide me with an updated credit report reflecting these changes. 

Attached are copies of relevant documentation supporting my dispute, including [ list any documents such as payment records, settlement agreements, or correspondence ]. 

If XXXX fails to comply with its legal obligations, I am prepared to escalate this matter to the CFPB and seek further legal remedies. Please provide a written response detailing your actions regarding my dispute within the legally required timeframe. 

Sincerely, XXXX XXXX
Product: Debt collection

Portfolio Recovery was advised by judge to remove collection off report when paid in full..agreement was signed by judge.
Product: Credit reporting or other personal consumer reports

a ) I tried to lift my security freeze on experian.com ( XX/XX/2024 ) b ) The password reset options on Experian.com account allow me to login after which I get an error message that prevents me from doing anything else. 
c ) The automated phone dialog does not permit you to speak with a human. I have tried different Experian numbers and all the menu options. 
d ) I wrote to Experian by US Mail providing my drivers license and a utility bill as requested. I got back an uncomprehending response ( without a date on it ) that amounted to a one time code for a third party to access my credit. 
e ) In summary Experian is obstructing access to my own credit history and is attempting to suppress customer complaints by making it very challenging for a customer to register such a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SIM card was hacked XXXX. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my Robinhood account, XXXX account, After pay account, XXXX  account, XXXX XXXX account, XXXX XXXX account and credit card, XXXX  credit card. Its still going because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also use my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXX with XXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. I been with XXXX for almost 9 years, I want to move to a different carrier/port my number asap ( XXXXXXXX  needs to pay my phone off because this was not my fault at all ) and to be compensated for the damages and pain and suffering. Im trying to buy a home and this is effecting me tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appeared that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$550.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Date of Inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit card

I applied for credit with american axpress, i made them aware that i made an investment with their company and as a beneficiary i am suppose to recieve benefit of the agreement and trust made inbetween the security agreement that was secretly made amongst the servicer and issuers and transfer agents with myself. they denied me access to my equal and fair value given in exchange for the barter made and have defrauded me of my lofe and value and credit and have cause actual real damages to livelyhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become a victim of identity theft. I contacted the Federal Trade Commission & credit bureaus XXXX, transunion, and XXXX and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this complaint and has been Faxed and mailed via Certified mail to the credit bureaus XXXX, transunion, and XXXX. 

In addition, I demand the following fraudulent accounts be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent accounts be deleted from my credit report immediately. 
Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Mortgage

Dear CFPB, I am writing to re-open this case for the following reasons : Complaints were neither timely responded nor properly addressed. Further, respondents disregarded notification I would be out of the country and unavailable. 

Attached documentation confirms : - After XX/XX/XXXX XXXX, BofA mails a letter stating they have ... forwarded concerns to legal counsel- they will respond directly - XX/XX/XXXX form letter states Were reporting this account has never been delinquent. This is perjury, based upon documentation. BofA has provided no documentation supporting their statement - XX/XX/XXXX form letter states Were reporting this account has never been delinquent. This is perjury, based upon documentation. BofA has provided no documentation supporting their statement - No XXXX XXXX, clearly marked INSUFFICENT ADDRESS XXXX XXXX dated letter. Counsel perjures themselves/their clients in numerous manners, just a few of which include, falsely stating I had access to automated payment systems that had been revoked until XXXX. Counsel further perjures themselves/their clients by falsely stating they deny allegations that XXXX has a prior pattern of holding payments, not cashing them, or falsely demand [ ing ] late fees. These are also documented and a matter of public record. BofA et al violated the terms of our settlement agreement and misrepresent its contents. Their violations damage several people. 

- After XX/XX/XXXX XXXX, BofA mails a letter stating they have ... forwarded concerns to legal counsel- they will respond directly. No such response had been provided, nor has any matter subject of complaints been honestly addressed/resolved satisfactorily - Corrected statements with proper accounting of amounts due remain outstanding for every month from XX/XX/2020 forward Kindly refer to prior correspondence and resolution requested therein. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously XXXXXXXX XXXX XXXX was reporting same time as XXXX funding on my credit report after XXXX XXXX had sold my account to XXXX in XXXX of XXXX I paid XXXX and they removed from all my credit reports I sent a letter to XXXX XXXX in XXXX on why they are still updating my reports as late they replied back with a letter stating they no longer own my account they sold to XXXX and to contact them then again in XXXX they updated my account as late. I have supporting documents to verify this statement