23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Radius Global ( XXXX ) XXXX reported XXXX, showed up today XXXX. 
No notice was received. Called at XXXX got XXXX XXXX asked for phone number to verify, Account # XXXX, XXXX XXXX {$430.00} is the amount, I requested the address. 
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, I never lived there. XX/XX/2018 was the date. The written notice to dispute was sent to that address as well Dispute process below Email dispute : XXXX Include account # XXXX Reference # XXXX Balance XXXX Client name XXXX I included all information showing that I never lived there as requested. I was told I just had to email stating I had never lived at that address and include a current address. They said it would take 30 days, which I said flat out would NOT be acceptable as this is a fraudulent account on my credit report while she is buying a home. I was transferred to a supervisor. XXXX is the manager we got transferred to. It will reflect as a dispute on Saturday. It should be removed by Tuesday at the latest is what he told me. It is still on my credit report. I called Wednesday and Thursday and was told both times to wait just a few more days each time but I cant keep waiting when I was told today there was no guarantee on time frame.
Product: Checking or savings account

Well this incident happened when i was XXXX years old and now Im XXXX. So I used to have Bank of America and I was handed a check to deposit not knowing that it was a fraudulent check so it actually allowed me to pull money out after the check was deposited not knowing that it will cause an overdraft on my account. So at the time I was in high school and I just couldnt afford to cover the cost of the overdraft which affected my credit since then there hasnt been one bank that will allow me to have a checking account with them so ledger save my life has been really difficult without a bank account so please help me what am I supposed to do in the situation. I was taking advantage of And obviously at XXXX years old I have no idea what credit was and how it works I didnt know if I have this effect on me in the future so please someone help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureaus have lied to me and not done due diligence to verify the account in dispute. There is a bankruptcy on my credit report that should have been removed. I have filed a letter with the United States Bankruptcy Court XXXX District of Georgia office of Clerk, concerning this bankruptcy that is falsely being reported on my credit report. I received a response back from the courts stating that they did not report any bankruptcy to the credit bureaus and for me to contact a lawyer for further actions. With this bankruptcy that is being reporting on my credit report, has caused me and my family distress, and a financial hardship. I have tempt to send several letters to each credit bureaus requesting for them to update my personal information, concerning my address and employment but each credit bureaus refused to comply with my request. I have also requested for them to remove the bankruptcy out of each credit bureaus which they also failed to comply. I am being denied for business loans, personal loans and etc ... due to this bankruptcy being reported to potential lenders. With all I have done to try and get this matter resolved so I can move on with my life, the credit bureaus are still reporting false information on my credit file. I am now at the conclusion on filing a law sue with small claims court willful ennoblement of inaccurate/un-verifiable credit reporting, if this matter doesn't get resolved in the next 30-40 days. Thank you for your time and consideration and I look forward to getting this matter resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report XXXX XXXX XXXX is reporting a CHARGE OFF. My car was totaled and insurance sent XXXX a full payment. I also had XXXX XXXX which sent a payment to XXXX as well. XXXX sent me many STATEMENTS in the mail showing I owed XXXX dollars and that my payments were UP TO DATE. I made a final payment to XXXX ( the balance owed from gap and insurance ) and the account was closed successfully. I reached out to XXXX and let them know they were incorrectly reporting a charge off, I spoke with XXXX XX/XX/2021 and she said she see in their system that I was never late on payments and a charge off should have never been submitted on my account. She said to report it to the bureaus and they will correct it. I reported to equifax, XXXX, and XXXX  and all of them were unable to fix the error and failed to validate the information. I even submitted the statements showing up to date payments which contradicts the first date of delinquency!
Product: Checking or savings account

Bank of America Account # XXXX. 
XXXX XXXX of XXXX persons. 
XXXX : claim # XXXX Check # : XXXX XXXX : {$85000.00} Bank names above withe connection to named none-profit organizations XXXX. Opened and fund accounts # XXXX and issue check from the bank of America Account number XXXX route # XXXX check amount of XXXX. To XXXX XXXX. And open. Tread account with XXXX XXXX and trade on behalf of my good name to get service and good without my permission or consent. Around 2001 up to date. Still no resolve of my matters. And am seeking to resolve this issue.
Product: Checking or savings account

PNC Bank failed to investigate my fraud claim. I reported to PNC that I never received an item that I purchased. I also told the bank that I possessed written evidence from the seller that confirms I never received the item. PNC never attempted to view my evidence and instead closed its investigation, citing no evidence. 

I called PNC seeking an explanation. The agent told me she would check with the person who conducted the investigation and call me back with more details, but they never called me back.
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 U.S. Code 1666b - Timing of payments I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Accounts XXXX XXXX XXXX a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach .Inaccurate inquiries that cause my score to drop tremendously do to the data breach.Actions stated never happened, erroneous payments entries.In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately update my credit report..I thank you for your consideration and cooperation. If you have any questions please contact me at XXXX
Product: Checking or savings account

Hello, I use a fifth third bank account. I use the autopay through my bank ; where every month I go in and set the date of when I would like a check to be sent out automatically through the online portal. 

I had set that the XXXX my landlord would get a check through the online portal for {$370.00}. I canceled that check-called my bank and explained why I was canceling that check because my landlord turned off my water without telling me as I was living in the house. I had no water for a week- causing me to move out and find a new home in a day. 

My bank told me onXX/XX/XXXX when I went to cancel the check that I had more than enough time- that the bank was pulling the check from my account and not to worry about it and that my landlord would not get the check. 

XX/XX/XXXX- the check posted and now my bank will not help me at all causing my account to bounce.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to XXXX 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.
Product: Credit reporting or other personal consumer reports

Had a credit card with Macy n someone stolen my identity n gave them a report Macy wrote the debit off on there taxes n didn't send me a copy of the 1099C what do I do n Macy sold the account to 4 different agencies to try to get money from n I need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been telling XXXX that these medical things on my report were on my Bankruptcy. I thought they investigated to check accuracy, apperatly not. XXXX/. XXXX XXXX XXXX is like I said.
Product: Debt collection

XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$2400.00} XXXX XXXX / XXXX / {$880.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit reporting or other personal consumer reports

AFFIRM INC Account # : XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. As a consumer, I have a Federally protected right to privacy pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, My Name is XXXX XXXX, Today i received a hard inquiry on my credit report from " Flagship Cred '' as stated on my report i reached out to the institution phone number ( XXXX ) XXXX as stated on my report and i speak to a representative about my situation and she responds " this is not a credit or report credit business this is '' " XXXX '' company for bugs termites and what not, i had asked her why was i receiving any inquiry from their company on my credit report she then asked for my information gave it to her willingly asked about my home address and told me you don't come up at all in our system im not sure why are you even seeing that on your credit.. i need this to be removed i believe there's some sort of fraudulent going on with my credit report and i need this to stop and be disputed and taken out of my report
Product: Credit reporting or other personal consumer reports

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT.

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute and Notice of Non-Compliance Code 16810 Dear TransUnion Dispute Resolution Department, I am writing to formally dispute inaccurate and unauthorized information appearing on my TransUnion credit report. Despite previous attempts to resolve this issue, TransUnion has failed to conduct a proper investigation, remove incorrect data, or comply with the Fair Credit Reporting Act ( FCRA ). This negligence and non-compliance have caused harm to my creditworthiness. 

Disputed Information : Account in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Code : 16810 ( Unauthorized/Fraudulent Activity ) I have disputed this information previously, providing all necessary documentation to prove that this entry is fraudulent, inaccurate, or otherwise unverifiable. However, TransUnion has either failed to investigate within the required timeframe, has not provided a proper resolution, or has improperly reinserted the item without notification. 

Legal Violations by TransUnion : Under 15 U.S. Code 1681i, TransUnion is legally obligated to : 1. Conduct a reasonable reinvestigation of disputed information within 30 days.

2. Correct or delete inaccurate, incomplete, or unverifiable information.

3. Notify me of the results of the investigation in writing.

Your failure to comply with these requirements constitutes willful negligence and a violation of my consumer rights under the FCRA. If this matter is not resolved immediately, I will be left with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursue legal action for damages caused by this non-compliance. 

Demand for Resolution : 1. Immediate removal of the inaccurate/fraudulent entry from my credit report.

2. A written statement confirming the deletion/correction.

3. A detailed explanation of why TransUnion failed to comply with FCRA requirements.

I have enclosed copies of my previous dispute letters, supporting documentation, and proof of TransUnions failure to act. I expect a response within 15 days from the date of this letter. You may contact me at [ your phone number ] or [ your email ] if further information is required.

This letter serves as formal notice that I will take further action if my dispute is not resolved promptly. 

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

CFPB and Equifax I did not get an answer the question { about why you Equifax was sending Disputes In general to XXXX } in their response they go around the question and never answered it again I request an answer to the Question XXXX how can a case be closed with NO answer please reopen this case
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$54000.00}
Product: Mortgage

I was charged points on final HUD that were never disclosed to me. When I received final HUD XXXX hours before closing I immediately called my mortgage broker but he was unreachable. The following business day I followed up and pressed him about the points, he told me his " disclosure department '' should have sent me the updated Good Faith Estimate and disclosures XXXX before on the date the rate was locked. These were never sent to me and he could not produce any evidence that there was any attempt to send them.
Product: Money transfer, virtual currency, or money service

I have been unable to log into my account for almost a year. They are non-responsive to email/message/phone calls. I have been locked out of my account, and I need it to be unlocked. My email associated with this account is XXXX I had to open an additional account because the other one was locked. Please unlock the XXXX one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct XXXX this account was opened in XXXX this account has been closed and charged off yet continues to report every month as charge off and shows 59 potentially negative remarks in just my experian credit report. i believe this company has violated my rights as per fair credit act laws. once an account is charged off and closed it can not be reported again and again monthly to cause further damage. the term of the loan was only 50 months and i believe this is being done in a unprofessional manner. i never gave this company written permission to share my information.
Product: Mortgage

XXXX XXXX XXXX called but calls were dropped after verification ; emailed WF notifying them of housing counselor NACA point of contact XXXX XXXX XXXX Housing Counselor NACA requested documents and made aware of my Lender/servicer Wells Fargo Home Mortgage XXXX XXXX XXXX dated ltr addressed accuratelXXXX to me and received by mail on XXXX XXXX XXXX only ltr since XX/XX/year> mentioning an investor, Fannie Mae after I mentioned their XXXX XXXX  ; documents were submitted to via NACA XXXX XXXX XXXX XXXX XXXX XXXX preliminary foreclosure filed XXXX courts
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit.

SPRING OAKS CAPITAL LLC Account Number : XXXX Charge Amount : {$950.00} Date Opened : XXXX XXXX XXXX ( 2 yrs, 7 mos ) Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. MY WIFES FRIEND LIVED WITH US WHEN SHE FELL ON HARD TIMES YEARS AGO. SHE WENT OUT OF TOWN FOR XXXX  ONE YEAR AND LEFT HER IN OUR HOME. WHEN WE RETURNED BACK HOME SHE TOOK THE SHOE BOX THAT HAD OF OUR IMPORTANT DOCUMENTS IN THEM AS WELL AS MY SONS XXXX. HER NAME IS XXXX XXXX. BELOW I HAVE LISTED THE FRAUDULENT INFORMATION IN MY FILE THAT NEEDS TO BE REMOVED AND BLOCKED FROM MY CONSUMER REPORT IN 4 DAYS.



FRAUDULENT ACCOUNTS: 

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