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

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Bank account or service

I paid off a LOC balance with BB & T XX/XX/2016. However, the bank made a serious error in calculating the correct payoff and did not close the LOC account as instructed. That triggered a series of issues with my checking account ; additional interest ; late fees ; harassing phone calls from various BB & T employees ; NSF fees ; and countless hours on my part to clear up the issue including writing a formal complaint to Chairman and CEO XXXX XXXX. BB & T admitted the errors in writing ( XXXX XXXX Complaint Resolution Group -XX/XX/2016 ). They also assured me in writing there would be no derogatory marks submitted to the credit agencies. Last week, I noticed my XXXX score went from XXXX to XXXX with the only credit factor being BB & T reporting a negative Payment History XX/XX/2016 on my LOC that was supposed to be closed! When I contacted BB & T 's complaint resolution group they admitted -in writing -that the initial resolution was not done properly and XXXX quote XXXX " ... we failed to update coding on our system to state the XX/XX/2016 bill was satisfied and to close the loan. '' They admitted to submitting a bad file to XXXX and then said it would take up to 60 days to correct my credit score. I asked them to escalate the resolution with XXXX and this was their response : " I spoke to our Credit Dispute department who is submitting the request to XXXX as bank error today. Again, as we have no control over when XXXX will do their processing, I recommend you contact them beginning tomorrow. XXXX can be reached at XXXX. '' They made XXXX significant mistakes ( XX/XX/XXXX and XX/XX/XXXX ) and then said I had to get personally involved to resolve the problem with the credit bureau that their company created. This is horrible customer service and a totally unacceptable response from my perspective. BB & T 's errors and lack of adequate Quality Assurance/Quality Control ( QA/QC ) processes to prevent such errors has caused severe personal harm to me since I 'm currently looking for a new home and plan to apply for a mortgage. I would expect a senior level XXXX at BB & T would work directly with XXXX ( and any other credit agency who might receive the bad file ) to resolve the error faster than 60 days. My complaint : BB & T has damaged my credit score ; admitted they made numerous mistakes ; and then told me it 's my problem -- not theirs. Their errors and mistakes have placed me in a position where I will need to stop my search for a new home because of a low credit score. That is simply wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

" Extreme Deceptive Practice Alert : National Credit Systems Deceptive Tactics Cause Significant Credit Score Decreases through {$1.00} Collection Balance Manipulation and Illegally Altering ( open date ) Delinquency Dates '' Dear CFPB, I am writing again to bring to your attention the alarming and deceptive practices carried out by National Credit Systems, which continue to have devastating effects on my financial standing. 
As of today, Saturday, XX/XX/2024, National Credit Systems has once again demonstrated its deceptive behavior by deleting a collection account from my credit report, only to promptly re-add it shortly thereafter. This pattern, often described as " trashing the consumer 's credit report, '' has severe consequences for individuals ' financial stability. Every time I file a complaint or report to National Credit Systems they trash my credit report.

The manipulative tactics employed by National Credit Systems, such as adjusting collection balances by insignificant amounts, and illicitly altering delinquency dates, have led to significant decreases in my credit score. These alterations, which went unnoticed for over a year, have had profound implications for the accuracy and reliability of my credit report. 
Despite their seemingly minor nature, these modifications have a substantial impact on my creditworthiness. The repeated manipulation of collection balances and delinquency dates creates the false impression that new collection accounts are being added to my credit report, further exacerbating the situation. 
It is imperative to emphasize that collection agencies do not have the authority to modify the original delinquency date, which marks the onset of missed payments on a debt. Additionally, the date of account opening signifies when the original creditor transfers the account to a collection agency. I have neither consented to payment nor incurred charges related to this account nor has there been any change in my bankruptcy discharge status. Consequently, the original delinquency date remains unchanged and should rightfully be removed from my credit report after seven years.

I strongly urge for penalties to be imposed on National Credit Systems for their egregious violations of the FTC Act. Specifically, I request penalties relating to the manipulation of collection balances and illegal alteration of delinquency dates. These actions not only harm individual consumers but also undermine the integrity of the credit reporting system as a whole. 
I believe that a substantial civil penalty, such as XXXX XXXX dollars, is warranted to address these unfair and deceptive practices. The Commission has the authority to pursue penalties under Section 5 ( m ) ( 1 ) ( B ) of the FTC Act, given the evidence of the company knowingly engaging in conduct that is unfair or deceptive.

It is imperative that decisive action is taken to protect consumers from further harm and to uphold the integrity of the credit reporting system. I appreciate your attention to this urgent matter and your dedication to safeguarding consumer interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries thats currently listed on my Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, and XXXX XXXX XXXX XXXX XXXX, XX/XX/20.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX we cancelled a cruise financed by Uplift. The account has been been paid in full for months. I notified them that the bank account used was closed on XX/XX/2022. I requested that they update my account so my refund would in fact go back to me. They refused and stated that it would be refunded back to the card that was used. This card was deactivated on XX/XX/2022 when my account was closed. Uplift is showing that the refund was successful, however the bank stated that the arn numbers given by uplift to track refund were not legit numbers. The bank has no record since the account was closed. Uplift informed me to send documents showing that the account was closed from my bank. I provided this and was sent an email stating that they could not use this documentation as proof although thats what was requested. They informed me I had to wait until the bank sent it back to Uplift. XXXX XXXX has no record of the refund being sent back even with the arn numbers provided. There is no phone number to call to speak to someone and they just chat the same thing. Now I was informed by uplift it could take 45 days for them to get the refund back from the bank. This company refuses to refund me my XXXX they owe me. It is a KNOWN fact that this is an issue with this company. Its all over their reviews.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Debt collection

In accordance with the Fair Credit Reporting act Credit Control LLC 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 an account without my written instructions. 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my wet signature. 6. Please provide a complete account history, including any charges added for collection activity. Provide the name of the charge off creditor and the account number associated with this debt. The name of the last known address of the last know debtor as it appeared in the charge off creditor or debt buyers records prior to the sale of the debt. The names of all persons are entities that have purchased this debt and they copy of the contract evidencing this agreement to this debt. My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX  data breach 15 U.S. Code 1681q - Obtaining information under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent credit dispute letters asking for the credit bureaus to properly verify and validate these accounts because they do not belong to me and they are a product of identity theft I ask them to send me a copy of application and contracts sign by me To verify identity and I have not Received any of these items At all I received was a letter stated These items was verified as accurate and a couple of bills that dont belong to me
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX  account number XXXX XXXX XXXX accounts XXXX and XXXX, XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXX please delete these accounts immediately
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy.

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

15 USC 1681c ( a ) 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1861s ( A ) ( 1 ) A person shall 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.

15 USC 6802- I did not receive the required opt-out notice at the time this acct was created and being reported.
Product: Credit card

Consistently, I've upheld timely payments on this account, preventing any instances of overdue payments. The origin of late payment remarks on my accounts remains unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

I filed a dispute with TransUnion and requested a reinvestigation of a previous dispute request for XXXX XXXX XXXX XXXX  Account Number XXXX that came back verified according to TransUnion. As the information that is reporting to my consumer credit report from XXXX XXXX XXXX is inaccurate therefore violating 15 U.S. Code 1681s2. On XX/XX/year>, I submitted a complaint with the CFPB, complaint number being as follows : XXXX. Today XX/XX/year> I called trans Union customer service and spoke with XXXX a representative to follow up on dispute listed above in which TransUnion responded to CFPB complaint listed above confirm that they are still working on dispute with XXXX XXXX XXXX XXXX the account referenced previously on XX/XX/year> and she, meaning XXXX TransUnion Representative, was able to confirm that there in fact was no open investigation regarding complaint number XXXX. I then proceed to begin an active dispute for the third time with TransUnion regarding XXXX XXXX XXXX XXXX  Account Number XXXX and its inaccuracies. This account is also in violation of 15 USC 6804 because they have never supplied me with an op-out disclosure and have violated my consumer right by disclosing my personal information to third party services without my written consent which a violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I ask that you please remove this inaccurately reporting account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2020, XXXX and its collection agreed to removing XXXX account from all three credit bureaus and still fail to do so. XXXX cashed my check and the check stated if cashed you would remove account from all three credit bureaus and they agreed. Back in 2020 XXXX 's also know as XXXX XXXX agreed to the same thing on back of the check it stated if cashed you agree to the agreement of removing account from all three credit bureaus and they hadn't upheld the agreement. We had an agreement and they agreed to it by depositing and cashing my checks. I have attached signed and cleared checks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed inaccurate inquiries on my report and I would like these 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
Product: Credit reporting, credit repair services, or other personal consumer reports

opt out off XXXX XXXX or any date reporting system id theft victim ftc violation was sent to XXXX with my 4 social showing on credit report and they haven't done anything
Product: Credit reporting

I have tried numerous time disputing inquiries with bureau stating that I did not apply for a job or was granted credit with these people and wanted them removed told them I tried sending letters to creditors with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX placed a collection on my XXXX credit report from " XXXX XXXX XXXX '' in the amount of {$500.00} stating the debt was XX/XX/XXXX. I have not only not received a letter allowing me to disputed this collection as required, I have no knowledge of this debt or the original lender.

I contacted them by phone today and they referenced an email address and bank account that hasn't been opened since XX/XX/XXXX which makes me think they are re-aging a long expired debt that is out of Sta
tue of Limitations to collect on.

I was offered that I could pay to have it deleted instead of going through all the hassle of disputing it which also sounds fishy and illegal.

This fraudulent collection on my report has now caused great harm in my prefect credit report with no blemishes and lowered my score by more than 60 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to temporarily lift Equifax credit freeze after repeated attempts, both online and call in to their automated number at XXXX and Customer Care (! ) number XXXX. This was necessary because I was informed I already had an account but I didn't have the PIN to access it. 
1 ) First call placed at XXXX, XXXX, XX/XX/18. I furnished all required information at automatic prompts but the call was disconnected at the very end. 
2 ) Second call placed at XXXX. Call staff person informed me that Equifax systems were down and I should call back in half an hour. 
3 ) Third call place at XXXX one hour later and was told the system would be down for another hour and to call back later. 
4 ) Went online at www.equifax.com to verify I had an account with Equifax. Website confirmed I had an account and confirmed the email associated with the account but I didn't have the 10 digit PIN to access it. I filled out all of the required information and requested a PIN reset. I received confirmation from Equifax that an email had been sent to the email associated with my account. Checked email repeatedly on and off over next 5 hours but no email was received from Equifax.

5 ) I called XXXX again around XXXX XXXX  and informed call center person that I had not received the email to reset the PIN. Then was asked to furnish all of my personal information over the phone, including all credit cards, revolving credit credits, along with current balances, all of which I furnished. I couldn't understand why he needed this detailed information as he said he already had my account up on the screen. I was quite angry and frustrated with this ongoing rigmarole for a simple temporary lift on the freeze. After answering all of the questions, I was informed that I would have to resubmit hard copy of all this information via mail before they could do a temporary lift!!!! 
6 ) I asked to talk to his supervisor but was told he wasn't at present available and if I left my phone number he would call back. Then I hung up. I'm still waiting for the phone call.

7 ) Equifax is throwing up way too many roadblocks to what should be simple online tasks i.e. help consumers manage their own personal credit data. Whether this is through simple incompetence or malicious intent, it defeats the whole purpose of the new credit bureau guidelines. Based on my experience, I have concluded that Equifax appears to have no intention of following any guidelines 8 ) Equifax has already had one major security breach that compromised the personal credit of up to 143 million Americans. This place needs to be shut down. At a minimum, stiff financial penalties should be imposed until they clean up their act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BECOME A VICTIM OF IDENTITY THEFT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS WITHOUT MY KNOWLEDGE. I HAVE NO IDEA AS TO HOW AND WHEN THIS WAS DONE. I AM ASKING THAT A RE-INVESTIGATION TAKE PLACE SO THAT THE ACCOUNTS CAN BE REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.