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

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( XXXX ) on the respective date ( XXXX ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX  provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, 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

XXXX, TRANSUNION AND XXXX is holding inaccurate information on my credit report :
Product: Checking or savings account

I have been dealing with this issue with my bank account with Bank of America since I had opened my account initially XXXX 2021. Besides the Bank of America taking advantage of overdraft fees they have informed me of ACH fraud activity with a loan company and I continue and during these transactions and I have see no action on their part and I have spoke to the bank numerous times since I've opened my account in XXXX 2021 I constantly communicate with them and I am absolutely getting nowhere besides this report I am sending in I will be filing your police report and hopefully able to be refunded whatever I have lost between my account and business and time with Bank of America as well as XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to say since my loans were forgiven and discharged for attending XXXX XXXX XXXX. It was also said the private loan like student cu connect was ordered to call credit bureaus or send a statement telling them to wipe off student cu connect of my credit report. Student cu connect is still on my credit report and it was also said student cu connect was supposed to reimbursed all money that was made as payment to student cu connect. I still see them on XXXX credit reports and I still have not received reimbursement. How can I submit a claim. 
I have not contacted them because I have no known phone number to speak to someone from that institution.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  CT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} NCB ( Original XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX ) XXXX XXXX XXXX {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX ( Original Creditor : XXXX XXXX ASSOCIATES ) XXXX Balance XXXX {$38.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$34.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$45.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$36.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX : {$43.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX ) XXXX XXXX XXXX {$270.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$38.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$38.00} XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$38.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$39.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$38.00}
Product: Credit card or prepaid card

On XX/XX/2018, I applied for the Amex Everyday Credit Card online on americanexpress.com. Prior to applying i reviewed the offer online along with it its terms, conditions and limitations. The promotional offer for new members on purchases and balance transfers was 0 % apr for 15 months with 0 % balance transfer transaction fee. This was a good offer since I wanted to do a balance transfer of {$15000.00}. I applied and was approved for the card with a credit limit of {$25000.00}. 

I called in to take advantage of the Balance transfer offer. I was then told by a representative that there is a limit on the balance transfer of the lesser of {$7500.00} or approved credit limit. In this case it was {$7500.00}. This information was not disclosed anywhere nor can it be found on card members agreement prior to applying. In this case is {$25000.00}. I demanded to speak to a manager. I read to the Manager the terms & conditions along with card members agreement in writing stated that balance transfers maximum is upto your credit limit. The manager stated, " You can only find this information after you have applied ''. This is false advertising and extremely misleading. They purposely left out information. If I had known this information I would not have applied for this card and take a credit inquiry. I would have taken my business to another financial institution. 

When I received the card, i noticed that it stated that the " Promotions 0 % APR '' is only for 12 months. This is not what I applied for. I called and the representative stated that I knew this information when I was applying for the card. I have the Rates, fees along with the terms of conditions on the date I applied for the card that specifies 15 months 0 % Intro APR. They could not resolve this. American Express is offers this introductory APR of 0 % for 15 months standard for this card. They could not admit that their system had an error. I have documents to prove they have advertised falsely and misled me as a consumer.
Product: Debt collection

ARS Account resolutions are forcing new to make payment on a debt that is not mine to begin and that I never received emergency service ambulance from any company they threatened to damage my credit despite the fact I send them information that I did have insurance so there is no way your were not paid for service if it were true I fax them the document but they end up sending to collection for something I am unaware or know about it on top I have health insurance. Amount is {$460.00} or emergency service that I never received or was sick. I dispute with XXXX  they still kept the collection while all other credit report agency XXXX XXXX and XXXX  removed the collection.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balance : {$2100.00}, XXXX XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX Balance : {$6800.00} and XXXX XXXX XXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

They are reporting inaccuracies pertaining to the open dates. XXXX is reporting this account was opened on XXXX and XXXX and Equifax is reporting XX/XX/XXXX. They are also reporting inaccuracies concerning the last active dates. XXXX is reporting XXXX XXXX XXXX and Equifax XX/XX/XXXX. Lastly, they are reporting different report dates. XXXX is reporting XXXX XXXX XXXX and Equifax XXXX 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX  of XXXX? That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau XXXX, XXXX and Equifax has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.
Product: Debt collection

XXXX XXXX XXXX to XXXX XXXX someone is using my SSN and name to open credit accounts. My identity has been compromised. I was XXXX for a credit card and was denied because of the low credit rating that came back. I later researched and requested a copy of my credit report. The report shows that i had a account that was in collections for nonpayment, The utility company was XXXX XXXX. The company does not service XXXX Texas, where I have lived for a long time. XXXX XXXX XXXX sent a report to a collection agency. XXXX XXXX and collection company were contacted in writing by me. The utilities company was informed that the delinquent utility bill in question was not mine. I do not live or have lived in XXXX part of Texas. I have placed a dispute with the Credit Bureau and the XXXX company. The XXXX company is awaiting a copy of the Identity theft report so that they can take the charge in hand off my credit report.
Product: Debt collection

XXXX XX/XX/XXXX XXXX XXXX, XXXX As a 100 % rated XXXX veteran I qualify for XXXX medical care at a non-VA facility under CFR 38 1752. XXXX Care coordinator XXXX XXXX contacted the XXXX XXXX VA medical center and received both verbal and written authorization for my care as a VA patient and not a private citizen. Such authorization automatically denotes the VA medical center as the billing entity, not the patient. 

Since XX/XX/XXXX I have repeatedly written both the VA and the multiple agencies of the XXXX XXXX XXXX in an attempt to insure that the costs of this hospitalization is paid. To date, I continue to receive collection notices, to which I immediately respond. 

Today ( XX/XX/XXXX XXXX I was denied credit because a collection agency XXXX had reported to XXXX Credit Bureau XXXX XXXX XXXX items of collection. This agency is unknown to me and in no manner have ever communicated with me, either in writing or by tele-communications. I was never afforded the opportunity to dispute the items they purchased for collection which I deem to be in direct violation of FDCRA and malicious in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is allowing the collection account, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, to be re-aged to look more recent and therefore stay on my credit report longer than it is supposed to. 
My TransUnion credit report says the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1600.00} was opened XX/XX/XXXX. 
Enclosed are 3 collection letters from when the account first became delinquent in XXXX of XXXX. This account was never brought to current. .I have enclosed monthly statements from the original creditor XXXX showing delinquency as far back as XX/XX/XXXX and remaining delinquent. I have disputed this account with TransUnion before and they always say it's accurate. It is older than being reported and is wrong.
Product: Debt collection

CKS Prime Investments , LLC has placed a collection account on my credit reports. I do not owe this debt and CKS Prime Investments has not provided proof of a written agreement where I signed a copy for this debt or any validation information. Also CKS Prime Invesments is not registered in my state of North Carolina with a debt collection permit and not registered in North Carolina to collect.
Product: Checking or savings account

On XX/XX/year>, U.S. Bank closed my account without prior notice and withheld my funds, which were transferred from my personal account. The total amount withheld is {$12000.00}. 

I only became aware that my funds were being withheld after receiving a response from the Consumer Financial Protection Bureau ( CFPB ) regarding my complaint. Prior to this, I was repeatedly informed by U.S. Bank customer service that my funds had been sent via check to the address on file. 

Actions Taken by Me : 1. I have contacted U.S. Bank customer service multiple times to resolve this issue. Each call involved excessive wait times exceeding 45 minutes as I was transferred to the authentication department.

2. Despite speaking with multiple representatives, I was repeatedly told that no further details could be provided about my account or the withheld funds.

3. I submitted all requested documentation, including my government-issued ID, Social Security number, and a bank statement verifying the origin of the transferred funds.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal {$6600.00}. XXXX XXXX bal. XXXX.
Product: Debt collection

Withdrawal money joint account ( Husband and I ) from XXXX XXXX XXXX XXXX {$7000.00} ( lost receipt around this figure ) I believe that happen in XX/XX/2018 at XXXX XXXX XXXX XXXX, UT XXXX. I showed up with my identity photo id that they required.i cant speak XXXX very well, i cant drive, i  was staying brother house with my XXXX kids as guest because i don't have a place to live.all of sudden my brother received a letter from N.A.R. inc.for collection .XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX that i owed money {$1500.00} from XXXX XXXX XXXX XXXX which i never aware of that. 
1. I never take a loan from them 2. they done something mistake they are trying to collects from me.

3. they giving hassle my brother sending those kind of letter and my information which they are not supposed to.

4. i never owe money from them i withdrawal money from our joint account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudelent account on my report please remove these accounts from my report they are hurting ability to obtain credit
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Debt collection

They have been taking my card for three months now and have never asked me the name on the visa card before. Now when I tried to make a payment again with my wife 's card they stated she would have to call to give them permission to take payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email stating that the account I opened is sending a XXXX time statement with an account number. I called because I didn't open a cc. The company put a freeze on card and sent a letter to me in reference to fraudulent account and possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX FTC VIOLATION AS STATED : A mortgage servicing subsidiary of XXXX  XXXX XXXX XXXX agreed to settle Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTC.XXXX XXXX, 2012 the FTC 's multi-million dollar settlement with XXXX  XXXX XXXX ... federal, and local government, have violated my civil rights as well as the ... 


WOULD YOU PAY A CIVIL VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 

XXXX XXXX XXXX Inquired on XXXX On record untilXX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Debt collection

Upon receiving copies of my credit report I found a debt that does not belong to me. It is from XXXX XXXX and being collected by LVNV Funding LLC/Resurgent. I have other credit one accounts in good standing and therefore this debt is not mine. I have sent debt validation letters and received nothing in return from the company. I have also disputed it with the credit bureaus to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the  XXXX  credit bureau to make updates on my credit report. However I have been getting the run around sending letter after letter to get updates with inquiry and address change. I have  one address as well as one comp any. I am employed with too.     My Home Address  XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I have been employed with the same company for  XXXX  years. I have been in contact with the  XXXX  credit bureau to make updates and correct everything from address updates to inquiry , Negligent, Defamation,  Please advise me on this matter..      Sincerely   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 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. 
XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is a student loan. XXXX XXXX XXXX ( XXXX ) in Kentucky. I graduated from XXXX with a paid in full invoice. Months later XXXX contacted me about their account error of ~ {$1800.00}. I made several attempts to get explanations and during the process XXXX released to the illegeged debt to two credit collections agencies. Keys 2 Recovery and XXXX XXXX XXXX. Now the debt is {$2500.00}. 
I have sent letter to XXXX, Keys 2 Recovery and XXXX XXXX XXXX to only communicate by email, yet Keys 2 Recovery continues to call. The letter I sent was registered mail.