23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX the bank charged me an overdraft fee for an account that had a positive balance. This in turn caused another transaction to overdraw the account by the value of the fee ( {$36.00} ) and XXXX cents on XX/XX/XXXX. I have overdraft protection with the bank and more than 34 cents in my savings account but less than 36 dollars at the time. Without the first fee I would not have been levied the second. On the XXXX I contacted the bank to resolve this and they dropped the first fee but did not, however, drop the second. I wouldn't nickle and dime this sort of thing if every nickle and dime didn't matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC XXXXB a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC XXXXi, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NA - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I HAVE ATTEMPTED ON MULTIPLE OCCASIONS TO GET THESE ACCOUNT REMOVED AND THEY HAS FAILED TO INVESTIGATE AND GET THESE FRAUDULENT ACCOUNT REMOVED. I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE SUBMITTED MY FTC REPORT, MY IDENTIFICATION, I'VE CONTACTED THEM SEVERAL TIMES, IT HAS BEEN REMOVED OFF XXXX. ADMISSION EQUALS DELETION SO WHY HAVEN'T THESE FRAUDULENT ACCOUNTS BEEN REMOVED..
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

These are the accounts that are in accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Speedy cash claimed I made an account with them in 2013. In 2013 I was able to receive any items like that because of the interest rate and because I was a military dependent which they are not suppose to give payday loan. Neither did i apply for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting rigjt or wrong im saying i am not 100 % sure if they are. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof these accounts must be deleted if they are not 100 % accurate. So I would like these accounts properly verified and removed if there's anything missing. Also According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
According to : 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. 
And i have not gave any written instructions to furnish anything on my consumer report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report CONSERVE XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the inquiries and charge-off accounts. No changes were made. No investigation was conducted at all. Please remove and update these items immediately. Below are the inaccurate accounts on my credit report : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

I received a credit bureau notification that a collection had been initiated by Transworld Systems , INC, for a XXXX  uncollected debt from XXXX XXXXXXXX XXXX XXXX 

I contacted Transworld and filed a dispute. Dispute reference number is : XXXX They did not confirm receipt for the information I sent. 

I also contacted XXXX XXXX today. They indicated the debt was for a residential XXXX  account with the address XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. I have never lived in Texas and have never owned property in Texas. 

XXXXXXXX XXXX  confirmed that the account was terminated in XXXXXXXX XXXX  and was established using my social security number.
Product: Credit card or prepaid card

There were charges on my card that were unauthorized. I had to file two separate disputes. I am supposed to get a provisional credit of XXXX because Im protected for unauthorized charges. I got the replacement card however the 10 business days is XX/XX/2020 and they still have yet to issue it.
Product: Debt collection

On  XXXX   XXXX ,  XXXX  I purchased a mattress and box spring from   XXXX   XXXX  . They use Synchrony Bank for their financing. The cost was {$4700.00}. My payments are due on the  XXXX  of each month. I have been paying my bill almost a month early since the first month the bill was due. I do n't like having debt. On  XXXX   XXXX ,  XXXX  I received a message to ca ll Synchrony rega rding a past due bill. The call was answered by a non English speaking woman, so I asked to be transferred. I then spoke to a man who said he was in the collection department. He told me I owed {$220.00} the {$27.00} was the late charge. I then read him the dates and validation numbers for each payment. He told me that he could see the payments and that it is my fault because I pay ahead of time. He said he took the late charge off and brought my account current. I did n't get the feeling that he really did what he said and then I began to worry that th e may have re ported me to the credit bureau. I called back and again spoke toe supervisor who proceed to again tell me it is my fault and that he would n't even brother to see if I had been reported. He also told me he did n't even care if I paid my bill. This bank needs to change their computer to accept early payments and train their people to be customer friendly. From the comments I see, they really need to be put out of business. Please help me correct my problem before they destroy mu credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) XXXX XXXX ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX ( {$240.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX alance Owed : {$200.00} XXXX XXXXXXXX XXXX I XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus will not validate any of the accounts, I have asked several times to correct my personal information, and all they do is send me letters stating I may be a credit bureau without permission to work on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. Its been over 2 months since I sent a letter to yall about severals on my report. I have been waiting for your response since I sent my dispute letter on XX/XX/2022, but it seems my letter has been ignored I am not sure if it has something to do with my race, but I was told by a financial expert that I can file a complaint on several agencies should you continue to ignore my letters. I'll be waiting for 15 days from now to see if there will be any changes and will take my next step after that. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The recent Equifax hack exposed my personal information to hackers for over 2 months. My wife and I are in the underwriting process for our first home RIGHT NOW. This is absolutely unacceptable. I 'm a XXXX XXXX and work on web-facing applications by trade, this sort of security breach is beyond the pale and wholly avoidable.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Knight Adjustment Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Disputing error on credit report Dear Knight Adjustment Bureau I am writing to request a removal of a Collection Account for {$2600.00} that appears on my XXXX consumer report : It states that the original creditor was XXXX XXXX XXXX XXXX I am unaware of this debit. I never had the opportunity to dispute this information. If you believe you gave me the proper 5 day notification please send me a copy of the U.S Postal certified mail receipt with my signature shown. 

I have attached a copy of my report with the account in question. 

Thank you for your assistance. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to XXXX, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the XXXX. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX XXXX Collection {$650.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Collection {$650.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$640.00}
Product: Debt collection

In XX/XX/XXXX, I contacted via letter disputes XXXX XXXX and Pinnacle Credit Services in response XXXX derogatory marks on my credit reports ( XXXX, XXXX and XXXX ) from XXXX XXXX. The problem is I 've only had cellular service through XXXX since XX/XX/XXXX ( for the past XXXX years ) and I 've never had accounts or service through XXXX XXXX. I 've spent the last XXXX months attempting to dispute these debts because they do n't belong to me and I discovered today that the credit reporting companies can only report the information they get from debtors -- no matter if that information is inaccurate or fraudulent. Pinnacle has been reported to the XXXX due to their fraudulent activity, mainly purchasing debts then assigning them away to ANYONE. And because they pay the credit reporting companies money to report any information they provide without having to show proof of debt to the reporting agencies, they can and will attribute any debt to anyone. This is exactly what Pinnacle has done to me. Furthermore, after sending dispute letters to XXXX XXXX, the company has not reached out to me or the debt collection agencies to let them know the debts are fraudulent. I want this resolved immediately.
Product: Debt collection

SpringOaks Capital repeatedly calls me and has a delinquent account on my credit report. I asked for proof of the debt owed to see where the debt originated from and I have not received any information that proves this debt is mine.
Product: Debt collection

I started to receive debt collection mail communications dated from MRS Associates XXXX XXXX XXXX XXXX XXXX NJ XXXX for a credit card debt they say I owe. Through their website on or around XX/XX/22 I completed their online form to request a " Debt Validation Letter '' as is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) and asked that they stop contacting me and collecting on this debt until they prove that this debt is mine as is also within my rights. I received no response from MRS until I received a letter dated XX/XX/22 which again attempted to collect on this debt. I once again went to their website and completed their form the same day I received the letter again requesting a " Debt Validation Letter '' as is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) and again asked that they stop contacting me via all methods of communication until this is provided or I will be filing a complaint and that further violations can result in penalties up to $ XXXXcontact under the law. Today I received yet another letter attempting to collect on the debt dated XX/XX/22 and still have not received the Debt Validation Letter or any validation of the debt. I would appreciate any help you can provide as this collection agency is clearly not willing to follow the law as it is written.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I currently possess a timeshare that is unfortunately reflecting as a repossession on my credit report. In an attempt to rectify the situation, I reached out to a representative from the timeshare company. They informed me that they are unable to accept any payments towards the timeshare account, which carries a substantial balance of nearly {$XXXX}. This includes around {$XXXX} that is currently past due. 
To complicate matters further, the representative claimed that the account had been canceled, suggesting that it is as if it never existed at all. Consequently, they stated that I do not owe any money. 
It was disheartening to learn that there seems to be no one available for me to speak with regarding this issue. I am unable to determine the total amount owed or make payments in an effort to bring the account current. Additionally, there appears to be no avenue for discussing the removal of this negative item from my credit report. They also mentioned that since I supposedly do not owe any money, they are unwilling to provide any form of written confirmation regarding my account status. 
At this juncture, I find myself uncertain about how to proceed or resolve this perplexing situation.
Product: Credit reporting or other personal consumer reports

I got alerts through credit monitors including XXXX 's XXXX, and others that a new hard inquiry was added to my credit report on XX/XX/year>. On my credit report, it shows a former address from multiple years ago was used on the same date. The hard inquiry name is XXXX requested on XX/XX/year> with the location listed as XXXX XXXX XXXX XXXX, TN XXXX with a phone number provided as ( XXXX ) XXXX and the Inquiry Type as individual. I verified the number to be the customer service number with CitiBank, but all of their departments can not seem to see any applications or new accounts related to my information. This is an invalid hard inquiry of my credit report and it needs to be removed.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

in accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S Code 1681i ( 5 ) these accounts are violation of not reporting 100 % accurate.
Product: Student loan

mt student loans went from XXXX XXXX to Navient & I was due last year for a deferment so I called and they said I was approved based off my income and was good to go and could pay if I was able to & if I was not able to no worry about it I would need to re apply for deferment in XXXX XXXX 2017 so I tried calling and doing another deferment and ask why on my credit is it showing on some months I did not make payments they said was not showing in their system I had a deferment for those months but the were random which does not make since and they have refused to help me figure out the issue and why the repayment is so high they want me to pay as much as 1 and half of my weekly checks I can not do that as a mom of XXXX & when I offered to try & pay $ 20- {$30.00} here and there the denied stating I can not make a partial payment must be in full which does not make since if I was in deferment now I have all this supposed extra interest. they are not helpful at all and Im to the point they just need to be forgiven since they do not want to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion claim to verified these accounts attached in this report yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of  receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files TransUnion is again violating the Fair Credit Reporting Act, 15 U.S.C. 1681, et  seq., and that CCB 's actions violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692, as was pointed out in the lawsuit. XXXX v. Trans Union, LLC ( n.d.ill. 2004 ), I therefore  request a block of these accounts according to Section code 605B Block of information resulting from identity theft ( 15 U.S.C.1681c-2 )