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

This is my final goodwill attempt to clear this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.i do not owe XXXX $ to XXXX  XXXX XXXX. They sent me an automated response, document without my signature for the debt thats liable to me or XXXX verification this is highly unacceptable i am adding the proof that they sent me ( cc ), they are treating this matter like a sweep under the rug.. I am requesting a reinvestigation AND your VALID method of verification once again, and they have not complied the first time, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Which means You must remove this inaccurate account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. if it is not provided then the account must legally be REMOVED according to the FCRA 611 ( 1 ) ( B ). i really don't want to escalate this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX gives error message saying " The XXXX website is not currently available at your location. '' XXXX XXXX XXXX XXXX XXXX XXXX. I'm accessing the site from within the US. Incidentally, why would you restrict access to the site for Americans abroad? How would a US citizen living or working abroad ( e.g. military, etc. ) get a copy of his credit report? Only by mail? Most CRAs will not use a foreign address.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Calvary portfolio. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Calvary in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is showing charge off in my credit report XXXX XXXX XXXX I never got into an agreement with debt buyer. 

I had an agreement with XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I have disputed this that I never got into an agreement with XXXX XXXX XXXX I dont understand why they continue to show that my account was charge off by them when the account was charge off by XXXX on XX/XX/XXXX. 

Also on my credit report on XXXX it shows Status Updated XX/XX/XXXX when that is not possible because agreement was made with XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope all is well.. 

Im not for sure why my security freezes are not on all 3 bureaus. I really need the security freezes put back on please. Im having fraud and identity theft Issues again. Thank you for your time. Have a wonderful day and please be safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX and WELLS FARGO CARD SERVICE 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 an account without my written instructions.

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

XXXX XXXX, a company that I have not been knowingly or willingly affiliated with, has purchased my private information from XXXX separate companies, to my knowledge. The separation of those XXXX companies XXXX be debatable as their accounting appears strikingly similar. Please review both correspondences from Fortiva Credit Card and XXXX XXXX. 

XXXX XXXX has infringed on my right to privacy in combination with the above names companies. 

In response to XXXX XXXX : I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : XXXX. Validation of the debt ; this is, the actual accounting. 
XXXX. XXXX of your claim against me ; that is, a signed invoice ( not a statement ) XXXX. A copy of the Contract binding both parties ( you and I ), in a letter by certified mail so that there is an independent witness to it having been delivered. 

A lawful binding contract consist of : XXXX. Full disclosure XXXX. Equal consideration XXXX. Lawful terms and conditions XXXX. The wet ink signature of both parties.
Product: Credit reporting or other personal consumer reports

Subject : Request for Review and Removal of Late Payment for I hope this message finds you well. I am writing to formally dispute a late payment that has been reported on my credit report. I believe this late payment was recorded in error due to circumstances beyond my control. ( Regarding capital one account year 2020 ) In year 2020, in the months ( XXXX, XXXX, XXXX ) encountered numerous instances as I made a payment on time and a unexpected situation that reported my payment to the agency late and wrongfully has been reporting on credit account and falsified my ability to make the payment on time, such as an a banking error. I have since rectified the situation and ensured that all subsequent payments have been made promptly. 

Given these circumstances, I kindly request that you review my account and consider removing the late payment from my credit report. I believe this adjustment will more accurately reflect my creditworthiness and responsible payment history. 

Thank you for your attention to this matter. I appreciate your understanding and look forward to your prompt response. 


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

I have repeatedly reported that there are FRAUDULENT items on my credit report and that they are in violation of FCRA regulations. 

There is an abundance of inaccuracies in my report. The attached accounts are reporting inaccurately and or erroneously. I have reported these in XXXX and XXXX of XXXX  with no rectification for the accounts. 

I have attached all three reporting agencies to show inconsistencies and FRAUDULENT negative accounts.
Product: Credit card

Please see the attached documents. I urge the bureau to start an investigation into these accounts where I am never late but am being inaccurately reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX  to update this suspicious information. I think they have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}
Product: Checking or savings account

I have a Savings account with Marcus by Goldman Sachs, and I had set up an ACH to pay my spouse 's school semester fee through the bank on XX/XX/XXXX. The bank cancelled the transaction and locked my account on XX/XX/XXXX, and is now providing me with an indefinite timeline to unlock my account when I called them back. It is my money and I need this to pay my spouse 's school fee which also has a deadline. I need some immediate help on this matter. Thanks!
Product: Debt collection

I received a letter on XX/XX/22 from Receivables Performance Management regarding a XXXX XXXX account for {$3900.00} that does not belong to me or my company. I do not know who opened this account but the RPM rep informed me the account was opened on XX/XX/22 and closed on XX/XX/22. Please remove this collection from my company, XXXX XXXX XXXX business credit report.
Product: Credit card or prepaid card

This is a partial copy of a letter sent to USAA. A full copy will be attached USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX To Whom It May Concern Regarding Dispute Claim # XXXX My Card ending in # XXXX Amount {$3200.00} After dozens of calls to USAA stretching back months. A recorded XXXX way call between myself, USAA and the company, XXXX. A letter to USAA XXXX Offices in which I received a return call again reiterating the facts presented in my calls and correspondence with USAA, I received the most recent USAA standardized response sent to my email, with no named person, no returning email, and the same standard request asking me to again call and regurgitate the identical facts I have repeatedly stated dozens of times When I was speaking with corporate offices, in response to my letter, I asked for a review of the supporting documentation I provided and that was provided in the 3 way recorded statements of the XXXX representative while on the call with a USAA representative and myself. The recorded statement from the XXXX representative clearly indicated that XXXX refunded the amount in question to USAA. Rather than USAA providing me with any documentation and or explanation for their most recent response, instead USAA sends me a boiler plate standardized email response. 

Additionally when I spoke with a representative from the corporate office I requested that I be contacted my mail or via email by a named individual verifying the facts in the case. I asked that if USAA chose to contact me via email and from a named individual I requested the email be one which offered an ability to respond rather than the typical 'no reply emails. But sadly USAA chooses to refuse to engage in a dialogue that deals with the facts, with which, they are in possession. Rather USAA capriciously and arbitrarily issues form letters of denial with decisions apparently predicated on their own best interests rather than the facts or their customers.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I am still having problems with XXXX XXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help
Product: Mortgage

Flagstar Bank of XXXX Mi sent me a {$300.00} refund from escrow as bal to high, then increase my escrow needed to cover XX/XX/XXXX. They refuse to keep {$190.00} & send a refund {$110.00} & leave escrow & payment same. I refinanced RE due to divorce with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXthen sold to Flagstar Bk.

My last mtg holder XXXX XXXX XXXX always gave me option to pay more n escrow & leave escrow & pmt same. Flagstar flat refuse any option. I ask them to sell mtg to another bank & refuse.
Product: Debt collection

I disputed it this is not my account I would like it to be corrected please
Product: Debt collection

XXXX XXXX TV charge me XXXX for early termination, made arrangement with XXXX rep to pay XXXX monthly until paid off. Made first payment. Few weeks later I checked my credit report online, I noted the not only was I reported to the credit bureau but also acct sent to collections. I paid the whole amt. in full, soon afterword 's I complained to both collecting agencies and XXXX XXXX about the arrangement made with there rep. I was told to check my email in few days and I would be receiving a letter of correction and copies would be send to all credit bureaus to correct the reports. Before that I had a XXXX plus score. The derogatory info damage my credit making my score to dope below XXXX. I have yet to receive any letter ( s ) from any of the parties involved and have call numerous times to get this resolved by contacting XXXX XXXX, collecting agency and the Credit agencies, all they do is point the finger at one another. Do n't really know what else I can do to resolve this issue. Please help ... ... ... ...
Product: Credit reporting or other personal consumer reports

IM SICK OF THIS GARBAGE!!!!!

Trans Union needs to permanently remove the error message that shows up when Im trying to freeze and unfreeze my account. Ive filled a complaint before and they didnt take the steps to accommodate my request.. 


PLEASE Permanently remove the requirement for me to reach out and involve myself with a agent in order to unfreeze or freeze my credit report
Product: Credit card or prepaid card

From XX/XX/XXXX- XX/XX/2018 I had noticed a few unauthorized transactions on one of my paypal accounts.Paypal claiming I made these transactions but with no verifiable proof of me doing so. I have tried a couple times getting in contact with them regarding these transactions and they still continue to deny recovering my funds. This is not even their money and they have no right to keep me from recovering these funds. 

Statue of limitations allowed me to file any and all unauthorized/fradulent transaction ( s ) up to a year from when it was first noticed. I had noticed it right away and because I have many other unauthorized transactions on other accounts from similar vendors I have either missed deadlines on some of my disputes but regardless have not been informed or even given a chance to defend myself. They have un-verified users having a field day with some of my accounts and this is simply not professional in any way. I want to have my disputes either re-opened if possible or I want to just have my funds recovered and sent back to me as soon as possible because Ive been struggling this whole year due to identity theft and someones gained access to multiple accounts of mine here on Paypal and outside Paypal and is now either making these purchases to send to themselves or find a way to steal my money. Paypal has successfully let this happen and I have been treated like a criminal at times when calling in and have been late on payments and when I had told Paypal of these issues and the issue of me, my daughter and my wife having no money at XXXX point and that I needed to recover my money, Paypal continued to wait and brush me off. My family and I didnt even have a meal to eat at times because Paypal decided in the wrong favor. Now I want the following transactions to please be noted and if still possible per the Statue of limitation, recovered and sent me via personal check. They are as follows : XX/XX/18 {$25.00} XX/XX/18 {$10.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$20.00} XX/XX/18 {$20.00} XX/XX/18 {$25.00} XX/XX/18 {$23.00} XX/XX/18 {$0.00} I was denied these claims and have no reason as to why?? These merchants have plaqued my life and have been a huge inconvenience to me at times. I have done nothing but try and work with Paypal regarding these claims and Paypal has done nothing but denied all my claims here and treat me like some sort of criminal here Please help here! 

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

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and or the company is reporting false information because I did not give permission for none of these items listed. I ask that the items be deleted to correct my credit report.I reported the these inaccurate items to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Affidavit. Please delete the items as soon as possibl
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing a complaint against XXXX. On XX/XX/XXXX sent a letter to dispute inaccurate inquiries. The credit company are not complying with their own policies in a timely manner. The company refuses to delete the inquiries.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Someone tired to open several accounts in my name. I have four unauthorized fraudulent inquiries on my credit report that need to be removed. Unauthorized Fraudulent Inquiries -XXXX XXXX XXXX ( Bank ) on XX/XX/2023 -XXXX  XXXX ( Bank ) XX/XX/2023 -XXXX XXXX ( Bank ) XX/XX/2023 -XXXX XXXXXXXX ( Bank ) XX/XX/2023 -XXXX XXXX  XXXX ( Bank ) XX/XX/2023 I called Transunion regarding this issue they refuse to investigate which is why Im falling this report. This is hindering me from financial advancing.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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: Money transfer, virtual currency, or money service

I need a refund or I am trying to reverse my payment into a different account
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have both been complicit in failing to help me with my identity theft. XXXX removed the two XXXX XXXX accounts that were identity theft and XXXX and Transunion said that they would with the police reports and FTC reports, yet failed to do so. I'm trying to handle this amicably before filing a lawsuit but I first notified them in XX/XX/XXXX and they failed to take any action. It's a violation of XXXX benefits and their policy. Please take action against XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX at Transunion and XXXX XXXX, Vice President, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, Direct to Consumer at XXXX XXXX XXXX, XXXX at XXXX. They have been aware of this and have failed to take action. I am attaching the same report sent to them last year as well as the updated FTC identity theft report I was encouraged to file to have this removed from my credit report immediately. I won a lawsuit against XXXX in XXXX due to the vast amount of identity theft they acknowledged responsibility for, and will have to file again - this time against Transunion and XXXX for reporting fraudulent information.
Product: Credit card

For almost 6 months I have been trying to resolve a dispute on my credit card for charges that were fraudulently made against my credit card the company in question is " XXXX ''. 
I at thousands of dollars charge to my account sometimes 7- 9 times a day. 

I tried with the company to resolve this with no avail no response from them so I contacted Wells Fargo credit card company they repeatedly took my information for 6 months now they opened five different disputes every time saying they don't have nothing on it and I've given them dispute numbers this last time was XX/XX/XXXX I called today XX/XX/XXXX to verify what's going on the lady tells me they have nothing I told her I have a complaint number and that over XXXX from still unresolved. 
I filed a complaint with the California attorney general 's office against the company question XXXX, the attorney for XXXX responded by saying we apologize and that because of my dispute with my credit card company they can not give me a refund at this time but if it doesn't work out let them know I contacted the California attorney general who recommended that better off dealing with the credit card company it's faster. 
It's been hell on Earth with them they are ignorant they don't care I submitted the California attorney general 's letter XXXX attorney letter sitting there apologize and would recommend highly to refund my money if it wasn't for my dispute every time Wells Fargo just ignores me and today they tell me that I have a better chance of going after XXXX. This company is ridiculous. I told them numerous times I never received anything if I did I returned it and I told the company that but I never got six to eight times a day anything maybe once in a month that was my mistake but Wells Fargo refuses for 6 months now to help me get out of this mess