23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I applied for an apartment and got denied due to charges from a previous apartment that I was co-applicant on back in XXXX being on my credit. I never received any notice from the apartment complex, not the collection agency in regards to thee charges. Needless to say, these charges have now accumulated almost {$2000.00} in fees with this collection agency. I contacted the collection agency ( the apartment that ran my credit gave me ) to find out from their representative that they show in my file that I was never contacted and they never tried to contact me. My phone number has not changed. The address they have on file is my mother 's address, which I have been home to see on numerous occasions and had no mail from neither the apartment complex, nor collection agency. So, the collection sends me a break down of the charges. The dates and fees do not make any sense. If I gave notice on XX/XX/XXXX, and my move out date was XX/XX/XXXX, why are there legal fees charged to the account on XX/XX/XXXX. There are charges of written fee and certified letter ( that was never sent cause collections already confirmed that no one tried to contact me ). Also, there are charges for water for XX/XX/XXXX, rent ( vacant rent charge ), washer/dryer, and trash removal for XX/XX/XXXX. How are these charges legal charges when notice was given on XX/XX/XXXX for move out on XX/XX/XXXX. Now they are stating that if I pay half of these charges, they will give me a letter stating that I am paying so I can give to the apartment complex I am trying to get into now, but these charges are not truthful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute letter was sent out, highlighted in red multiple inaccuracies. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card or prepaid card

Applied a new credit card few months. Forgot to enroll in auto-pay. As a result, late payment ( 36 days ) on the card. As soon as I released my mistake, enrolled in auto-pay and paid the credit card in full. 

Recently a month ago, i tried to refinance my mortgage and the loan officer basically denied my application. He said my credit score was low and would recommend waiting a few month to see if it improves. Credit score dropped to XXXX. 

Checked my credit report, it has " Derogatory Information '' Derogatory Information 1 Account XXXX Date Reported XXXX Creditor Name Bank Of America Status Open Called the bank in question, they waived off the late fee + interest on the card ( BoA ) But said, they can not do anything w.r.t removing the derogatory remark from the credit report ( tried to talk to 3 different reps, but gained no traction ) Any pointers on how to get rid of this remark/improve my credit score/soften the blow? Costing me close to $ XXXX/month by not taking advantage on refinancing. 

FWIW, In the past few years, my credit score has always been above or close to 800. I have never missed a payment in my 10 years of my credit history. I bought my house a yr ago with credit score of XXXX and got the best possible rate.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues which may violate the electric funds transfer act as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit card or prepaid card

XX/XX/2020 I received a Debit Visa from US Bank Cardholder Services, XXXX XXXX XXXX, XXXX, IN XXXX. The paperwork that was included with the card provides a fee schedule for the Colorado Department of Labor and Employment and a pamphlet stating U.S. Bank ReliaCard Your reliable choice to receive your government disbursements. I am not unemployed and have not applied for these benefits. 

I have attempted to contact their Cardholder Services, but they are not available until Monday, EST. 

Please investigate this as fraud and provide a response to my inquiry.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Credit Act. The following account has violated my federally protected consumer rights to privacy and confidentiality under under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incorrect and inaccurate. According to the FCRA when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to insure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom it is report relates according to 15 USC 1681 ( e ) ( b ). 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports. It is XXXX of the requirements for consumer reporting agencies to ensure the accuracy of information in consumer reports. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( 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- ( 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX FRCA law states all information reporting to my credit should be XXXX XXXX accurate and true. Since 2023, I have been reaching out to the credit bureau asking them to removed the above account. ( XXXX XXXX ) This is not my account and I have no knowledge of this account. They are reporting false claims. 
I do not own any thing from XXXX this is not my account. PLEASE REMOVE
Product: Debt collection

In XXXX of 2022 I cancelled my gym membership at XXXX XXXX fitness in XXXX, Texas. Their website said it was done so I assumed I was good to go. That same month I had gotten a new credit card because I lost my old one. This led to the card I had on file with the gym to be deactivated. Therefore, when I checked my account status on the gyms app the next month, it had said cancelled. Making me believe I was done with my membership officially. However, on XX/XX/2022 I got an email from a law company stating I owed club 4 {$220.00}. I called the gym to see how that could be and they told me it composed of me not paying for my membership and late fees for not paying. This made no sense to me and I explained my situation to them. The manager at the time said there was nothing I could do unless I had proof I went on the website and cancelled my membership all the way back in XXXX. How am I supposed to do that?? So I asked for the GMs email so I could hopefully try to work it out with him. I never got a response. If you look at their reviews their are many complaints about the gym and how it is a scam. Multiple other people have had to pay for not cancelling as well even though they did. Id be more inclined to pay it off and let it go if it wasnt {$220.00}. They are scammers and the GM will not even respond to you. They are very aware of what they are doing. And as of recently the debt majorly dropped my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted. These are the items I demanding to be deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

An irrigation company charged us for services in advance during the winter. The services were to be performed this XXXX  when the weather permitted. We have spoken to the irrigation company numerous times about performing the services and they still have not. We tried to log a complaint with Chase and they refused to file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below are the TOP 2 reasons TransUnion puts on my credit report for why it keeps declining. I have downloaded free credit reports and there is NOT an account I've been late on. I've NEVER missed a payment in my life. It is getting so frustrating. I plan on buying another house in about a year and I need this fixed. Its been over a year since the last time I disputed to TransUnion.

XX/XX/XXXX : Submitted Complaint that they had incorrect information XX/XX/XXXX : Notification it was closed XX/XX/XXXX to Present : I still get the below reasons which are ridiculous.

1. Number of accounts with delinquency Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to FICO Scores. Your score was impacted because your credit report shows one or more accounts with missed payments. 2. Too few accounts currently paid as agreed FICO Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I XXXX XXXX sent in a notice of Identity Theft, request to block and remove a fraudulent tradeline that is reporting on my Transunion Credit Report pursuant to 15 USC 1681c-2, The tradeline is with XXXX XXXX with Account Number XXXX and XXXX. These accounts DO NOT INCLUDE XXXX XXXX XXXX I have attached proof of Notice of Identity Theft, and My Identity theft report from the FTC. Transunion has NOT blocked this tradeline from my credit report. It has since reappeared on my report. This account is to be BLOCKED INDEFINITELY as it was not opened by Me. Please see all of my attachments as proof of delivery and Notice of Identity Theft to Transunion.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, some items still need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing this complaint to report Transunion failure to investigate and provide verification for disputed late payments reported on my credit report and failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements. Despite multiple written disputes regarding inaccuracies on my credit report, Transunion has refused to conduct proper investigations or correct the errors as mandated by law. I submitted proof regarding these inaccuracies on XX/XX/XXXX. As of XX/XX/XXXX, Transunion has failed to respond, re-investigate, or provide verification of the information they received from the original sources, which is a clear violation of federal laws under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). This failure has caused harm to my credit score, impacting my ability to secure housing for me and my children. This extended delay in addressing my disputes is also a violation of the FCRA, which mandates timely responses and investigations
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year I have been sending letters and calling Equifax, XXXX, and XXXX about inaccurate information that is being reported in my credit file that is re-aging the account. I have asked them to send me their method of verification after sending me letters saying " verified as accurate '' all they do is send me the same paperwork over and over saying it was " verified as accurate ''. I called XXXX on XX/XX/XXXX the Rep said that the account has been removed. I called back on XX/XX/XXXX and spoke to XXXX to ask for proof of removal to be mailed to me and she stated that " the account is still in my credit file ''. She told me my only option was to call XXXX XXXX  every month and ask them to close the account. I explain to her that this account has been in charged-off since XXXX but the company keep reporting it as " open '' and " closed '' at least twice a month making the account appear new. I have sent in proof that the date of last delinquency was inaccurate across the credit bureaus how could they be verifying if they all have different information? On some months XXXX XXXX  reports that my payments are on time and some months they change it to report that I am 65 months past due and some months I am 40 days late. There is no way that these credit bureaus are verifying inaccuracies. This account is almost 8 years old but it is being allowed to be illegally re-aged because the credit bureaus are not doing what they're supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I disputed an account with XXXX and Equifax about inaccurate information. I sent in court documents stating that I do not owe Any type of debt. The account was sold to a debt collector that's not even on my credit report. I'm not sure how XXXX is verifying correct information when I'm sending straight facts of documentation.. I have new information from the original creditor asking u to delete this account as of XX/XX/2022 XXXX XXXX  account XXXX
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report, as required by law. 
The following fraudulent accounts must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the reporting agency ( TransUnion ) my ( 3 ) FTC reports via certified registered mail on XXXX. I called the reporting agency on XXXX to confirm that theyve received my mailed correspondence that contained my ( 3 ) FTC reports from XXXX. During my call with the reporting agency, I spoke to the fraud supervisor XXXX XXXX, who confirmed receipt of my ( 3 ) FTC reports. XXXX XXXX informed me that the reporting agency deemed my FTC reports as invalid. But could not give me explanation as to why the FTC reports were invalid. I then, informed XXXX XXXX that those findings are incorrect, because all three ( 3 ) of my FTC reports have the correct and requested information from the Federal Trade Commission ( FTC ). Each report also have XXXX accounts or fewer on each of them as described below : FTC Report Number : XXXX ( XXXX pages ), have five ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX XXXX  XXXX accounts, XXXX ( XXXX ) XXXX XXXX XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX XXXX accounts. FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXXXXXX XXXX  accounts, and XXXX ( XXXX ) XXXX XXXX accounts. and finally, FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX account, XXXX ( XXXX ) XXXX XXXX account, XXXX ( XXXX ) XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX XXXX account. 

XXXX XXXX informed me that my file has been deemed as fraud from those accounts mentioned in my FTC reports and the consumer reporting agency has automatically applied an extended fraud alert on my consumer file. However, those accounts mentioned in my FTC report will not be removed or blocked within 4 business days pursuant to U.S. Code 1681c-2. XXXX XXXX stated that it will take 30 days for the information to be investigated. The reporting agency is in direct violation of 15 U.S. Code 1681c-2 which clearly states : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I do not agree with the consumer reporting agency ( TransUnion ) decision/ findings as it is deemed inaccurate and a direct violation of 15 U.S. Code 1681c-2.
Product: Credit reporting or other personal consumer reports

THIS ON GOING INVESTIGATION WAS WHEN ALL XXXX CREDIT VENDORS SAID I HIRED XXXX TO HANDLE MY PAYMENT AFFAIRS WHICH I DID NOT. MY CARDS WERE IN GOOD STANDING AND UP TO DATE WITH PAYMENTS AND AN ACCEPTABLE CREDIT SCORE. THEY ASKED FOR PROOF I DID NOT HIRE XXXX XXXX AND CANCELLED ALL SERVICES XXXX SAID i HIRED THEM FOR. BUT NO PROOF OF PAYMENT TO XXXX WAS GIVING NO PROOF I HIRED XXXX XXXX AT ALL BUT THE CREDIT VENDORS REPORTED MY POAYMENTS AS LATE AND CANCELLED ALL CARDS AND ACCTS. IN TURN MESSING MY CREDIT SCORE WAY BAD. IT'S IN THE LOW XXXXXXXX XXXX  RIGHT NOW AND I'M STILL MAKING ABOVE MIN PAYMENTS AND STILL KEEPING MY END STRAIGHT AND YET MY CREDIT SCORE REMAINS BAD. I AM WITH SECTION 8 FEDERAL HOSUING AND I CAN NOT KEEP AN APARTMENT WITH BAD CREDIT. SEC 8 ONLY GIVES PEOPLE ONE SHOT AT A PLACE TO LIVE ONLY ONCE. NO SECOND CHANCES. I WANT MY CREDIT SCORE TO RETURN TO GOOD AND FOR ALL CREDIT VENDORS TO HONOR THEIR PAYMENT PROGRAMS I HAVE ENTERED IN TO TO PAY ALL THESE BALANCES OFF. I HAVE PROOF OF CANCELLATION LETTER FOR XXXX XXXX EVEN THOUGH I NEVER HIRED THEM AND XXXX XXXX GOT BANK STATEMENTS SHOWING MY PAYMENT HISTORY BEING IN THE GOOD WITH ALL CREDITORS. I ALSO HAVE EMAILS OF XXXX XXXX THREATENING ME ABOUT LATE PAYMENTS WHEN I WASN'T LATE. THEY'VE ALSO GOT ME CHARGED WITH XXXX XXXX INTERESTS AND I DON'T HAVE XXXX XXXX I'V E GOT PROOF OF THAT TOO.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard credit check for a mortgage company but I never applied for anything like that. Company is XXXX-midatlan and its from XX/XX/2019 XX/XX/2019
Product: Checking or savings account

Wells Fargo bank charge me {$35.00} overdraft fee today XXXX XX/XX/2024. I already contact them they refuse to give me the credit back. This is not the first time Wells Fargo have done that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a highlighted image of a XXXX XXXX account that is reporting inaccuracies to all three of my credit bureaus. Almost everything is different on all three bureaus. Everything reported in my name to the credit bureaus should be 100 % accurate and it is not and needs to be deleted ASAP.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX, an account opened at XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$350.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX, and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$710.00} that appears related to the aforementioned account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

The following company RPM, with provided address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Washington XXXX with listed phone number ( XXXX ) XXXX has lodged an adverse entry with multiple Credit Report Agencies in the month of XX/XX/2018 regarding disputed bill for {$300.00} by XXXX XXXX XXXX. Even though I have sent a registered letter to RPM during the 30 days of the original notification requesting a detailed statement with the charged expenses, RPM has submitted an adverse filing to all credit bureaus. RPM has  violated my rights by the adverse filing of unvalidated debt with the credit reporting agencies. I am providing all the supporting documents for review, including validation letter request and the registered email receipt, post office notification of delivery and original RPM letter.
Product: Debt collection

It's not my debt and I shouldn't have to pay it. It was already removed from my credit report. They need to stop harassing me.
Product: Debt collection

THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.