23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 I noticed a public record bankruptcy on my transunion report, I disputed this information and within days it came back as verified. I asked for a proper re-investigation into it and proof of who they contacted, who they talked to and how it was verified ( documents, proof with my ssn etc. well it came back again only saying updated never received reasons. So I contacted the court that shows up on the report. They could not locate a record of such under my name and social. So I contacted XXXX witch is a third party reporter for public records. They sent me a document showing it was deleted from my profile. As the other credit bureaus deleted because there are errors which contain a name that is very similar to mine out of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have disputed with XXXX, TransUnion and XXXX erroneous item on my report. They have not corrected the problem. 

All three are erroneously reporting that my overall debt is {$9000.00}. That is inaccurate. I owe {$4000.00}. 
This grave mistake on reporting agencies makes it look as though my debt is higher than it is and reduces my rating enormously. This is a horrible unfair practice. 
I have been working diligently to get this resolved since XX/XX/2019 both with my personal banker and each reporting agencies without any resolution. 

Now the impact of Covid 19 is escalating the need for excellent customer service into a matter of dire emergency for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint with XXXX, the creditor that was involved with my identity theft case. They have already sent me an affidavit for identity theft in the mail and I sent that off on XX/XX/2022. I have also sent Equifax and XXXX a copy of my police report my identity theft report and other supporting documents multiple times. They have treated me very rudely. My brother, XXXX XXXX, opened a fraudulent credit card in my name and made himself an authorized user of the card. Based on the police report I have sent them, he has also had a history of stealing checks from my family. I have substantial evidence of my identity theft and still have not had this account removed from my credit report. XXXX and Equifax even put a 7-year fraud alert on my account but then proceeded to say in recent dispute results that the account was accurate when it was not. Out of all the credit bureaus involved, XXXX by far has given me the best customer service. They have cordially and promptly deleted the fraudulent account from my credit file. I am still fighting with you months after I had found out about this fraud. Since XXXX is my XXXX, his SSN is only a few digits off from mine. That is how he was able to do this. I have not received any financial gain from this at all. I am sick of fighting this case. Why would you place a 7-year fraud alert on my account and then decided the fraudulent account in question is accurate? I am beyond speechless. XXXX has already received my affidavit. They should be beginning to perform their investigation.
Product: Credit reporting or other personal consumer reports

I have filed a dispute with all three credit reporting agency requesting them to remove the more than XXXX XXXX late notice by XXXX XXXX. XXXX  has yet to send me a copy of my account ledger to date or respond to my previous dispute and or complaint with the CFPB. I am not sure if the bureau understand my dispute. I will try once again to explain the error or wrongdoing by XXXX financial. XXXX reported that my account with them is more than XXXX  days late. The time period they are referencing falls doing the time when this account was in Bankruptcy. I filed a XXXX  XXXX bankruptcy XX/XX/XXXX and was given a 48 month repayment plan. I successfully completed this plan and was given a discharge in XXXX of XXXX. XXXX  financial was included in this bankruptcy and all plan obligations and payments were met and I was given a discharge. I continue even through my bankruptcy to make payments as agreed. Once my bankruptcy was closed and XXXX. XXXX XXXX reported that my account was late more than XXXX days. They can't do this. This is in violation of the bankruptcy laws. I have spoken to Maryland XXXX XXXX who advise me to file these disputes. Both time the dispute come back and the credit bureau changes wording or remarks to my credit report but doesn't remove the XXXX late that is still showing on my credit. I successfully completed my bankruptcy and been making all my payments to my creditors on time. My credit score has gone up as a result. NOW my credit score has gone down tremendously because of this reporting. They couldn't report my account late because I was in bankruptcy and they sure can't report it now because those months I was clearly in a active bankruptcy this is a violation of the bankruptcy laws. Please refer to the documents I already submitted it my previous dispute and now my bank receipts showing payments being made to XXXX even during the bankruptcy I couldn't be XXXX days late. This time period would be while I was in a active bankruptcy and payments were made therefore they can't report this. This is illegal.
Product: Credit reporting

First Advantage conducted a criminal background check on me and rendered results that included false, inaccurate, incorrect and imcomplete information. I have had to dispute this issue with First Advantage several times to have the errorneous information removed. First Advantage is a violator of the FCRA. First Advantage removed/deleted the errorneous information in XXXX XXXX, reinserted the errorneous information in XXXX XXXX, reinserted the errorneous information in XXXX of XXXX and removed the errorneous information again in XXXX XXXX. Recently, XXXX XXXX First Advantage reinserted the incorrect, incomplete, inaccurate infromation again causing me to be denied employment. Please see attached : the attached case XXXX shows where the case was DISMISSED and I was never charged nor incarcerated, First Advantage has failed and neglected to include this pertinent information in the background screening and DISSIMENATED this inaccurate, incorrect, incomplete information to third parties.
Product: Debt collection

Obtained a credit report and after noticing XXXX collection agencies reporting me for an alleged debt I sent a validation of debt letter requesting more information and proof of the alleged debt. I have received NOTHING. I need to know or they must remove this item that is negatively effecting my credit score.
Product: Money transfer, virtual currency, or money service

I sold {$300.00} worth of XXXXXXXXXXXX on XXXX XXXX. After the 3 dollar fee, I should have received {$290.00}. The XXXX wallet STILL shows this as pending to this date even though the 'arrival ' date STILL shows as Monday, XXXX/XXXX/XXXX. Obviously, that didnt happen It has now been 16 days for something that should have been relatively instant. 

I 've called over 11 times, emailed, tweeted, and have created tickets to no avail.
Product: Mortgage

In early XXXX I was approved to refinance my home. The process went smooth and was done mostly through email and phone communications. When it as time to begin paying my mortgage I tried to sign in to the company and I was told that my loan number could not be found and to just wait a few days.In XX/XX/XXXX I emailed the contact person to get assistance and she provided me with XXXX phone numbers for the company. The representatives I spoke with after being transferred several times all said that because my loan was new it may not be in the system just yet. I waited a few weeks and called back in early XXXX when I was expected to make the first payment and was told that because it is a new mortgage even if my payment was late I wouldn't be penalized because it takes time for the everything to be updated in their system. After over a month with trying to make an account online and pay my mortgage it was not until XXXX I was able to do so. At this point I was told that the now missed XXXX payment would be added on to the end of the loan and I would not be reported negatively to the credit. I purchased my first home in XXXX and never missed or had a late payment. I was approved to refinance my current home because of my outstanding credit history. As months pass, In XXXX I noticed late fees and changes in y credit history stating I was late on paying y mortgage. After several calls, being transferred, redirected, and even being told to complete a mortgage assistance application, in which I was denied, It is still showing that I am 1 month behind. In my most recent communication the company told me that they would not honor what the representative stated about adding the XX/XX/XXXX payment to the end of the loan. I was even told that I needed to be XXXX payments behind in order to get help. I do not have any issue paying my mortgage, I have an issue having to pay 2 months at XXXX time because the company failed to have my loan in the system for me to make the expected XX/XX/XXXX payment. This incident has resulted in negative reporting to the credit agencies and added stress to my life. I am a United States XXXX XXXX Veteran and I expressed to the company how this incident has impacted my daily life in a negative way. I have sent over 10 emails in the last month or asking for someone to help me, made several calls where I even been hung up on and more recently I spoke with the escalations team and the supervisor told me there was nothing they could do because I was denied for mortgage assistance. I do not need mortgage assistance I need for the company to be fair. In addition, their system has been down for XXXX weeks in XXXX, and early XXXX where I was unable to log into my account and/ or speak to someone. I wish to have my late payment be added to the end of the loan as I was promised because or an error on the company 's behalf.
Product: Credit reporting or other personal consumer reports

I've disputed some inaccurate accounts with Experian consumer reporting agency several times to fix my credit report. The following accounts are still reporting incorrect information. 
XXXX XXXX Account XXXX this account is repeatedly reporting a charge off status on the payment status every month. The account was charged off in XX/XX/XXXX. A closed account should not have an active payment history reporting because this is Manipulating the statue of limitations. 
XXXX XXXX XXXX Account XXXX this account is repeatedly reporting a charge off status on the payment status every month. The account was charged off in XX/XX/XXXX. A closed account should not have an active payment history reporting because this is Manipulating the statue of limitations. 
XXXX XXXX XXXX Account XXXX this account is repeatedly reporting a charge off status on the payment status every month. The account was charged off in XX/XX/XXXX. A closed account should not have an active payment history reporting because this is Manipulating the statue of limitations. 
XXXX Account XXXX this account is repeatedly reporting a charge off status on the payment status every month. The account was charged off in XX/XX/XXXX. A closed account should not have an active payment history reporting because this is Manipulating the statue of limitations. 
XXXX XXXX  XXXX Account XXXX this account is repeatedly reporting a charge off status on the payment status every month. The account was charged off in XX/XX/XXXX. A closed account should not have an active payment history reporting because this is Manipulating the statue of limitations. 
XXXX XXXX XXXX Account XXXX this account is repeatedly reporting a charge off status on the payment status every month. The account was charged off in XX/XX/XXXX. A closed account should not have an active payment history reporting because this is Manipulating the statue of limitations. 
XXXX XXXX XXXX Account XXXX this account is repeatedly reporting a charge off status on the payment status every month. The account was charged off in XX/XX/XXXX. A closed account should not have an active payment history reporting because this is Manipulating the statue of limitations. 
XXXX XXXX Account XXXX this account is repeatedly reporting a charge off status on the payment status every month. The account was charged off in XX/XX/XXXX. A closed account should not have an active payment history reporting because this is Manipulating the statue of limitations. 
XXXX XXXX Account XXXX this account is repeatedly reporting a charge off status on the payment status every month. The account was charged off in XX/XX/XXXX. A closed account should not have an active payment history reporting because this is Manipulating the statue of limitations. 
This violates 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit card or prepaid card

I have an AMEX Platinum card and was sent an application for a Gold card which included a XXXX   mileage reward. When I applied I told AMEX ( XX/XX/XXXX ) I thought I once had a Gold card, but AMEX assured me I was eligible. I met the spending requirement and in XX/XX/XXXX not seeing the miles, questioned Amex. The company said the miles would be posted. When the miles did not turn up in XX/XX/XXXX, I called again and was told I was not eligible because I once had a Gold card. I made every effort to clarify my position and believe AMEX owes me the mileage reward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX/FORTIVA/ cfpb ; XXXX XXXX XXXXn , ****see attachments**** I need you to start a new investigation regarding the account listed below : I disputed this account with the credit bureaus 30 days ago, and they stated that you verified the accounts. Im confused, how did you verify this account when Its accurate? I know that all furnishers must have procedures in place to report accurately to the credit bureaus. I would like to see a copy of the procedures that your company have in place to make sure that they comply with the law and that the account listed above is reporting accurately.

These incomplete and inaccurate items are causing harm to my credit score and I need it fixed ASAP. 

Please fix this situation and get back with me within 30 days.
Product: Credit card or prepaid card

Received a call from Affirm at approximately XXXX PST. Representative supposedly from Affirm asked me to confirm that I was applying for a new credit card associated to my cellphone number. I confirmed that I was not. Representative sent me a text asking for a pin number.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft SETF/WOFC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

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

Im a victim of identity thief. After learning of this I contacted Transunion and reported the inquiries and items that were fraudulent. They place a fraud monitor on my report but never removed the items. Recently someone tried to open accounts under my name and it was unsuccessful but still the inquiries were reporting on my account causing my credit to decrease ... 


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

In accordance with the Fair Credit Reporting this account has violated my rights.

15 U.S.C 1681 section 602 A. States that I hae a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX
Product: Debt collection

They claim this debt was on XX/XX/2022 and that I owe {$72.00} but I always pay my bills when they come in the mail ( from places I know I've been such as my doctors offices, etc. ) & I'm up to date on all my payments. It says very clearly on this CFPB website that they can not send this collection to my credit report until they've spoken with me about it directly ( my guess is that means over the phone ) or in-person, which no one has ever done. I would definitely remember that & it would explain what this debt is/where it came from. I have tried disputing this directly thru XXXX XXXX & they did absolutely nothing to help me.
Product: Debt collection

I was told about the debt over the phone by a nice woman, who explained my debt, and gave me the time frame to pay. Stated it was going to be non-delinquent until after XX/XX/22. Tried to make a payment on XX/XX/22 and the only available payment option for me is disabled until XX/XX/22...
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my equifax account and recieved an error message that advised me to call them and provide a code. I did this. At that time I was asked to scan my license while on the phone to prove who I was. The rep stated it was a one time issue no big deal and would send me out my credit report. Fast forward I go to recheck for something I disputed and got the same error message. This time I called I was told it was an internal issue on their end. I was advised they were routing to IT and advised to allow 2 week. Its been a month. I log in today same issue. I called and was told I need to mail in documents to verify who I am. I asked what has changed and why is this necessary especially when the automated system asked for ss # dob address zip etc. I then explained I have been dealing with this for a month. I spoke to someone today who advised me that the only way for me to obtain my own information or access to my account is to snail mail a copy of my license and SS card for proof of verification and then the turn around time is another 3 weeks. I explained I dont have that type of time we are in the homebuying process I can not obtain or view my info. She couldnt answer my questions as to why this wasnt explained a month ago or WHY this is needed now. I also asked why I never got any correspondence requesting info or why the last 4 people never told me they needed me to mail in anything as this couldve been done a month ago.
Product: Credit card or prepaid card

I have a complaint because I was charged a late fee For the month of XXXX. My bill is due the XXXX of every month. I paid XXXX dollars on the XXXX of XXXX .. And later paid XXXX dollars early.. I was told the extra payment didn't count because a new bill wasn't generated yet. Then later after I paid my bill in FULL on the XXXX of XXXX I still had a fee later taxed on.. Although when I paid online I clicked the PAID in FULL button and it was at XXXX balance. I asked to speak to someone in charged to voice my concerns or a manager.. I was told I would be connected to XXXX and was disconnected.