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

I am writing to formally address the ongoing presence of negative items on my credit report despite my repeated attempts to have them removed. In regards of providing thorough documentation and evidence to support the removal of these negative items, they continue to appear on my credit report. This persistent issue not only undermines my financial reputation but also poses a significant threat to my financial well-being. 
Moreover, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these negative items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. 
I desire with you to prioritize this matter and take all necessary measures to ensure the prompt removal of these negative items from my credit report. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently pulled my credit report and discovered that my mortgage account with XXXX XXXX XXXX is reporting my account as being adverse and delinquent when it is not. 

According to XXXX XXXX  XXXX letter dated XX/XX/2019, the account has never been late and they claim it is being reported accurately. However, when you look at my credit reports, the XXXX XXXX XXXX account is being reported as delinquent every month by all of the credit bureaus, when it is not. It is also listed in the " Adverse Accounts '' category of the credit report. 

Ive repeatedly asked XXXX XXXX XXXX to fix this problem by removing the wording in the remarks section. In the remarks section for each and every month, XXXX XXXX XXXX writes, BANKRUPTCY DISMISSED. By making this adverse notation, it incorrectly appears that I am filing for bankruptcy each and every month, which is not the case. This adverse remark should not be appearing on my XXXX XXXX XXXX account at all. They had nothing to do with any bankruptcy. It is also being reported as one month late when it is not. Consequently, the XXXX XXXX XXXX account is showing the account as delinquent when it is not. 

I never had any late payments prior to or after this time period. I am requesting that XXXX XXXX XXXX delete the remarks on my credit report immediately.
Product: Checking or savings account

XXXX fraudulent transactions that occurred on my Discover savings account XXXX. 

On XX/XX/year> there was a fraudulent internal transfer of XXXX On XX/XX/year> there was a fraudulent internal transfer of XXXX On XX/XX/year> there was a fraudulent internal transfer of XXXX An unknow person by the name of XXXX XXXX XXXX was added to my account without my authorization by means of fraud to facilitate the transactions.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I updated my personal information on Credit Karma on XX/XX/XXXX or XX/XX/year>. I added my middle name and my updated address to my personal profile. 

On XX/XX/year> I received a notification from XXXX that my personal information had been exposed on the dark web. The exposed information included my middle name, my street address, and my email address. 

I believe that Credit Karma did not protect my information and led to it being exposed on the dark web.
Product: Debt collection

Repeated phone calls and when those calls are returned, there is no answer and the mailbox is full. This debt had been cleared previously and it is showing on my credit report as in collections which is damaging my credit. Have sent an email and tried to reach out by phone numerous times. Unsatisfactory business practice and is far from how a legitimate attorney or collection agency works. As the debt concerned a XXXX medical spending account issue and has been resolved, my credit report should be cleared. Not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to them and talk about what they are sending to the companies that have put my accounts to collection that wasn't my purchases. And Credit repair is sending the wrong information to these companies and is taking {$100.00} a month from me for almost a year and nothing has been done. They sent a letter to me instead of the companies, and it said sorry for my late payments, im trying to get a loan. And that is not what the issue is at all. Please help me
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my second dispute regarding the accuracy and validity of a collection account reported on my consumer credit report. Despite the collection agency 's commitment to provide supporting documentation, I have yet to receive the requested validation. This continued failure to comply with regulatory requirements necessitates further investigation. The debt has now been transferred to a different collection agency. Rather than providing the requested information, they issued a vague statement and transferred the debt. 

Account Information : Original Collection Agency : * XXXX XXXX XXXX XXXX * Account Number : * Amount : {$2900.00} New Collection Agency : * SIMON 'S AGENCY , INC . 
* Account Number : * Amount : {$2900.00} Laws Being Violated : 1. XXXX  Violations : The collection agency has accessed and disclosed my individually identifiable health information without proper authorization, in violation of the Health Insurance Portability and Accountability Act of XXXX ( XXXX ). The specific violations include : * Unauthorized use of my unique health identifier. 
* Obtaining my individually identifiable health information without my consent. 
* Disclosing my health information to unauthorized parties. 

These actions are punishable under XXXX, with penalties including fines and imprisonment as detailed in Public Law 104-191.

2.FCRA Violations : The collection agency is also in violation of the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy, fairness, and privacy of information in consumer credit reports. The specific violations include : * Failure to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), despite having placed a collection account on my credit report.

* Not providing me an opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
* Utilizing false, misleading, and deceptive means to collect the debt, thereby violating my consumer rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was in charge off status on my report from XXXX and experian I disputed the account and it was removed from Experian but not XXXX. In XX/XX/2020 it began to show as an open account and as current which dropped my XXXX  score down over 120 points. As of XX/XX/2020 the account reappeared on my experian account showing open and current! I have not And will not ever paid on this account as my XXXX ex husband fraudulently obtained this loan! It has gone from XXXX usd to over XXXX usd I can not afford to pay this loan due to Covid-19. I have no supporting documentation that this account was open fraudulently as I have no contact with my XXXX! However if you look at the history of the account you will see it should not be reported as open and current!
Product: Debt collection

So Workmens Comp. case they will settle in XXXX and the debt hit my account in XXXX {$410.00} which was settle in my settlement the all medical collector bill was pay by XXXX XXXX   from their doctor that they referred me to. XXXX   XXXX is refused to pay the debt collection and claiming that they sent the check in but its been over a year now Im in fighting  with XXXX XXXX  of sending information about the collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance, is reporting our transactions and experiences to two of the major credit agencies XXXX XXXX XXXX report on XX/XX/2018. A report to my consumer report that was not authorized or sanctioned by the consumer ( I ) has now damaged my credit score extensively. This report is a direct violation in accordance with U.S. code Title 15 1681a section ( 2 ) Exclusions subsection ( ii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting Bureau shows a regular ( also known as " hard '' ) inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Phone : ( XXXX ) XXXX dated XX/XX/2019. I have NOT applied for credit with XXXX XXXX XXXX or, in fact any other creditor, in XX/XX/XXXX ... XXXX XXXX XXXX placed a hard inquiry on my XXXX report on XX/XX/2019 and then another one my Equifax credit report on XX/XX/2019 acting inappropriately, if not maliciously. On XX/XX/2019, I filed a dispute with Equifax of the above-mentioned inquiry stating that I did not authorize it. On XX/XX/2019 I received the following response : ================= The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, MO XXXX Phone : ( XXXX ) XXXX ================= The above response is unacceptable for three reasons : ( 1 ) I  already stated in submitting my dispute that I believe the inquiry is not authorized, so for Equifax to include " If you believe this was unauthorized, ... '' in their response means that they did not read my submission and took no investigative action on it. 
( 2 ) With the above response, Equifax sends the victim to the perpetrator and not taking any action of their own to keep credit report accurate as is their duty ( 3 ) Equifax calls this " Reinvestigation '' as if there had been a prior investigation
Product: Credit reporting or other personal consumer reports

Comenity Bank has not been reporting ALL of my revolving charge cards considering I have XXXX accounts with Comenity Bank. They have been reporting only XXXX accounts and have not been reporting XXXX of my accounts to XXXX, which is unacceptable. I did contact XXXX XXXX at XXXX over the telephone on XX/XX/23 at XXXX PST and I ask the representative to transfer me to a supervisor or Manager so I can attempt to have this resolved. I was transferred spoke with a supervisor named XXXX, who listened to my issue but stated she could not assist me and that I needed to contact XXXX to discuss my issue and have it resolved with XXXX. I then know I XXXX was providing me with absurd guidance, because why would I contact XXXX about charge accounts that Comenity Bank is not reporting to XXXX. This isnt something XXXX has control over, because why would a credit reporting company have input or control of accounts that dont have reported on their end. Its Comenity Banks responsibility to report All of my accounts correctly to the consumer reporting agencies, per the FCRA. I stated the same information to the Supervisor XXXX and expressed my frustration with her poor guidance. I then asked her to provide me with Comenity Banks address to report issues or complaints. She placed me on hold about XXXX minutes and then provided me with the main address for Comenity Bank.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately. Per my rights under the ( FCRA fair credit reporting act ). Specifically I did not authorize the following INQUIRIES TO BE MADE : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Original creditor was XXXX XXXX. Information was on XXXX XXXX Experian credit file. XXXX XXXX disputed the XXXX XXXX account on Experian credit file. XXXX XXXX was unable to provide the supporting information required to support debt on why it was place on the credit report. Experian removed XXXX XXXX claim from credit file in the amount of {$1900.00} due to insufficient information. 

A month later XXXX XXXX then sells the account to XXXX. XXXX XXXX on XX/XX/year>. XXXX. XXXX then reports to credit file in the amount of {$1900.00}
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 and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 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 U.S.C. 1681s-2 ( 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.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an inaccurate account on my credit report that is negatively affecting my credit score. Despite my efforts to dispute this account with the credit reporting agency and the creditor, the issue remains unresolved.
Product: Checking or savings account

While reviewing my online checking account at M & T Bank, I noticed a series of unauthorized withdrawals on XX/XX/2022 ( in addition to petty small change amounts ), listed as " XXXX transfers, '' totaling {$400.00} + change. I notified the bank 's XXXX XXXX. at tel. # XXXX, and they froze that checking account and said they would do an investigation that could take up to 90 days. I received, signed and returned an affidavit by mail to the bank, again claiming the fraud. On XX/XX/XXXX, I called the XXXX XXXX Washington XXXX DC branch and asked if I could transfer the checking account funds to my M & T savings account. I spoke with " XXXX '' who confirmed that the funds could be transferred and she could do so on my behalf. Besides the original {$400.00} fraud amount, there were XXXX amounts in the frozen checking account also to be transferred : {$8200.00} and {$1700.00}. On XX/XX/XXXX, I accessed my M & T accounts online and noticed that the {$8200.00} and {$1700.00} we're transferred to my savings on XX/XX/XXXX, but that the {$1700.00} was then immediately withdrawn on that same date, and those withdrawn funds were not transferred back to the frozen checking account ; I've made numerous calls to both the XXXX XXXX, both on XX/XX/XXXX and dates prior, such as on XX/XX/XXXX, to discern the status of the investigation, but nobody answers the fraud line, and all representative tel. Numbers I call and branch I visit ( at XXXX XXXX ) for this bank keep telling me I must deal only with the XXXX XXXX bank XXXX, but they won't/do n't know how/refuse or are purposely involved in this loss of my funds. Further, upon balancing accounts it appears that the original {$400.00} fraud has not been rectified. Therefore, I am at a loss of not only {$1700.00} but also {$400.00}. Please help me recover the loss of my hard-earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft. Based on the review of my credit report, the following inquiries were not authorized by me : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX BANK Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX XXXX XXXXe of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX
Product: Credit card

on XXXX/XXXX/2015, I called citi to close my account ( paid off with zero balance ), and citi call agent ( Name : XXXX, agent id : XXXX ) gave me a hard time refusing to close my accounts and after XXXX mins of me begging him it was still not clear if my account was closed or not. 
on the same day, XXXX/XXXX/2015, I had to fill a CFPB complaint hoping citi can respond and close my account. Case number : XXXX. 
on XXXX/XXXX/2015, citi responded and claimed my account was closed. But I checked online and my citi online account showed " This account has been converted to a new number. " on the same day, XXXX/XXXX/2015, I followed up on my CFPB complaint to dispute, hoping citi can take real actions to close my account with no further delay. Unfortunately citi did n't respond. 
on XXXX/XXXX/2015, I received a letter through mail from citi celebrating my account has reached 1 year anniversary, stating " your account has been current for the past year. we are confirming that your citi AAdvantage gold world elite master card account has been in good standing for the past 12 months. during that time, you 've kept the account current under the terms of your card agreement we appreciate it. we are working hard to serve you, and we 're always look for ways to do more. feel free to contact us if you have ". A scanned copy is attached XXXX. 
Seriously, citi? I have only XXXX suggestion which you failed for weeks : CLOSE MY ACCOUNT! I would never ever have anything from citi, given this horrible experience. 

When you book future customers, I wish you inform them what process you want your customer do to close their account with you for real? I can fill as many as CFPB complaints, given you do n't address follow-ups.
Product: Debt collection

My name is XXXX XXXX XXXX Social Security number XXXX I called alliance one collection agency about three acounts that pertain to court fees for XXXX XXXX county court the original case number are XXXX. The phone number I called was XXXX XXXX they gave me this account number XXXX and told me I owed XXXX I know this account number is not valid because when I entered it on there website payment portal it stated this account number did not belong to me they refuse to mail me a letter I've requested it twice and have not received anything but lies from word of mouth from alliance one I know this amount can not be accurate and there trying to rip me off I'll appreciate it that action be taken on my complaint they lied about the account number gave me the wrong amount debt owed and refused to send me a letter.