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

Hello, After disputing account XXXX XXXX ACCT # XXXX multiple times I filed complaints with CFPB for the account with Transunion, and XXXX. Complaints and complaint results are attached. Both claim to have verified and updated the account, however, the account as of my credit report on XXXX still has inconsistent information with both bureaus which include, the monthly payment, balance, date last active. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I told them the debt was from XXXX and it was not appropriate for them to be updating the " opened on '' date, and sound illegal. The representative I spoke with informed me they had been operating for many years like this and it most certainly was legal.
Product: Debt collection

Constant harassment through phone calls and letters after I asked them to stop contacting me now an attorney debt collector is threatening me. Defamation of character. 

Cavalry Portfolio Services  XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EXPERIAN ARE NOT FIXING AN EXISTING ISSUE WITH MY REPORTS. I KEEP DISPUTING A XXXX  COLLECTIONS ACCOUNT THAT IS NOT MINE AND IS ALSO XXXX XXXX ACCOUNTS AREN'T SUPPOSED TO BE REPORTED SINCE THE PANDEMIC. 

XXXX XXXX  NEEDS TO BE REMOVED OFF OF MY REPORTS. MY SCORES DROPPED XXXX POINTS AND I AM TRYING TO BUY A HOME WHICH THAT RUINED MY CHANCES. THE ACCOUNT BELONGS TO A RELATIVE. 


DELETE!!!!! 

I AM ALSO A VETERAN IN XXXX  XXXX
Product: Money transfer, virtual currency, or money service

HSBC is holding my money. I made a wire transfer of XXXX XXXX  for my child 's tuition. And now they won't release the funds. They won't tell me why or when.. My child will be dropped from college soon. The reps just tell me the same thing. I am just to wait, a supervisor will get back to you, its been approved, it will take a few days, this can take up to 30, 60, 90 days. Someone will.get back to you. We will send you an e-mail. I am very frustrated and angry that they are treating me like a criminal. Not cool. 
I made this transaction XX/XX/XXXX. Since then they have not given me any answers as to what they are looking for, why they stopped this transaction, etc. 
I told them to.close my account and send my back my funds. Again they say it will take 90 days to close my account.????
Product: Debt collection

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 


Company : CAPITAL ONE Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX -- - ; I attempted to request my credit file online to challenge incorrectly reporting items on my Innovis report ( as they report the same information contained in the XXXX, XXXX, and XXXX consumer credit report files ), but because they are reporting an incorrect phone number ( ending in XXXX ) in my credit file that does not match my phone number being reported in my XXXX, XXXX, and XXXX consumer credit report files, I am unable to even request an Innovis report. My correct phone number is XXXX XXXX XXXX and also am challenging the other incorrectly reporting items supported by attached documentation and ID. 1 ) Removal of the Public Record ( bankruptcy ) item as per XXXX letter dated XXXX XX/XX/XXXX ( and associated accounts ) ; 2 ) No XXXX entry should be reporting as XXXX no is holder or servicer of any of my student loans ( they were transferred to the guarantor back in XX/XX/XXXX ) therefore any such reporting item should be removed immediately ; and 3 ) Correction and Update of the US Dept of EduXXXX XXXX student loan reporting currently with a $ XXXX balance ; Attached letter from XXXX states effective XX/XX/XXXX ALL of my student loans have been forgiven and now with a XXXX balance ; This account/ item reporting should now be corrected to a XXXX balance with Status/Remarks as : Paid. Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard and soft inquiries that I dont recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes but yet I feel as if the investigation wasnt completed thoroughly enough.
Product: Credit reporting or other personal consumer reports

Please refer to already submitted complaint ID XXXX. 
New evidence Company has said they will look into the disputes and have it resolved. I have been filing these disputes over the course of years. I have given Experian more than enough time to investigate the disputes that were never thoroughly investigated over these years. I am no longer waiting for any investigations into any disputes. This has caused me to be homeless with a child and Ive lost jobs due to no transportation due to credit file. They are completely beyond time limits which they have taken months and years to investigate. I am not allowing no more time for investigation. Not to mention, after all these years and months of disputing, the company is just now emailing me to upload identification documents and they have completely denied my disputes before even asking for this information. They should have asked a long time ago and Ive sent this years back. Why is that?
Product: Credit reporting or other personal consumer reports

I AM asking for a investigation in this matter I have three accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am not disputing the verfication of these accounts what i am asking for if I received a 1099 from all three company for a amount that is not same as ALL these three accounts don't the account therfore to be removed. I just want to confirm that the information on my credit report is 100 % accurate so I want to verify that the information as the amount I owe is correct and I am asking if its not can the accounts be deleted because these accounts are reporting information that is not accurate as my 1099s show a different amount. Thanks
Product: Checking or savings account

I received a letter in a mail with a new debit card for a checking account that was fraudulently opened in my name. I have recently been a victim of identity theft. I have tried contacting the company through multiple numbers but I am unable to get through to a customer service person and was stuck in an automated system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out to Experian & XXXX on XX/XX/2023 to Investigate every piece of information on the accounts I have listed below.Also I have attached the letters I sent out and the tracking numbers as well for those letters According to the FRCA The term " invertigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. these accounts are inaccurate and according to the FRCA 15 USC 1681 everthing has to be 100 % Accurate. 

Experian Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Accounts : XXXX  XXXX XXXX, XXXX XXXX Experian letter Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX letter Tracking Number : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case MIDLAND CREDIT MANAGEMENT is attempting to collect as XXXX XXXX  XXXX These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Credit card or prepaid card

Someone called me from Bank of America and said did I have a credit card in my possession ending in a number I do not recognize or remember. I specifically said I was very clear on the fraud. I asked that 3 accounts that were closed due to fraud to dispute 4 months back from the closing date at a minimum. The representatives would keep talking over me and not let me explain or give important information to resolve this complaint. To this date the bank has not been respectful or courteous or done anything to indicate they are going to dispute the charges. When I let them know, I can take them to court they said go ahead instead of that is not necessary as we will get to the bottom of the fraud and figure things out and respond to the complaint. It's absurd how a bank can just do what they want, and you have to be a victim of their fraud. The bank is the fraud. I was specifically told I only really have one account ending in XXXX. However, the fraud occurred on 3 accounts not ending in XXXX. I understand but at the same time it's very confusing how the agents speak to you. I was very clear on the issues, but they still have not done anything after over a year 's time. It's gotten ridiculous.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, an amount of {$14000.00} USD was stolen by PAYPAL. 
Paypal closed my account for no reason and will not help me to get it back up and going. I believe that was a mistake, but I can not do anything about it. Then, paypal informed me that the balance on my account will be on hold for 180days, after that, they will send me an email and let me know when I can withdraw that balance. However, the balance was transferred from my paypal account to PAYPAL itself. As the account holder, I even don't know anything about that payment, because don't want to let me know. They took the money without my permission. I just remembered that I can report this to CFPB and get help from you. My email linked to this paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

No payments have been reported since XX/XX/20. Not showing payments have been made and are current.
Product: Debt collection

I recently sent out a debt validation letters to IC systems as they are reporting a XXXX  debt on my credit report that I do not owe. I personally have never signed up for XXXX before so I found this odd. After receiving validation for the debt it dawned upon me that this debt belongs to my father who is also XXXX XXXX and happens to live with me in the same Address. The main difference in out identification is his Date of birth is XX/XX/XXXX and mine is XX/XX/XXXX. This account which does not belong to me is now impacting my credit negatively, and its something I personally do not owe.
Product: Debt collection

I was a XXXX XXXX  service customer and in XXXX we planned to move to another home in the same neighborhood. I called customer service to ask my service to be moved to the new address. I was told there would be no additional charge for the move. After they hooked up service at my new address I received a bill from them for the move for {$370.00}. I disputed the bill with them and reminded them that their customer service representative told me there would be no charge for the move since we were already customers. Despite several calls to customer service and repeated requests for them to remove the charge, the charge was not removed. In XX/XX/XXXX we received a collections bill from XXXX XXXX XXXX for {$370.00} for XXXX. I disputed the bill by phone and I was told that they would contact XXXX and get back to me. They never responded. In XX/XX/XXXX I received a collections bill from IC Systems for {$370.00} for XXXX. I disputed the charge again by calling IC Systems. They stated they would speak with XXXX and call me with their findings. They never responded. In XX/XX/XXXX I received a collections bill from XXXX XXXX for {$370.00} for XXXX. I sent a letter this time on XX/XX/XXXX stating " If you believe that I am responsible for this debt please mail me a copy of the relevant documents. Please record that I dispute this debt. If you forward this debt to another company and/or report it to a credit bureau please indicate that the debt is disputed. '' I never received a response. Upon review of my credit in XX/XX/XXXX I saw that I had a collection reported for {$370.00} from IC Systems for XXXX. I contacted IC Systems by mail disputing the debt and making the same statement as I did in my letter to XXXX. They never responded. Upon checking my credit in XX/XX/XXXX I saw a collection reported by IC Systems for {$370.00} for XXXX that states it was opened on XX/XX/XXXX and last reported XX/XX/XXXX. This charge has been disputed since XXXX. This collection is continually sold to different collection agencies and therefore reported as newly opened every year on my credit report since then. I have never received any response to my dispute of this debt from XXXX. I have never received a response from any of the collection agencies who have notified us of this debt.
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. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 accounts below : XXXX XXXX  XXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX XXXX Balance : {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I called Equifax after receiving my credit report and noticed the extreme amount of inquiries that I have no Knowledge of. I asked Equifax to please remove these inquries off of my credit report because I did not give any of these companies authorization to run my credit. I was told that they would not remove them. 
The inquries are as followed. XXXX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I Looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts : ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCT XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT : XXXX are not complete and accurate. And one more thing 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.
Product: Checking or savings account

Back and.forth emails about XXXX XXXX procedures and deflecting resolution to myself and my employer. No action to contact their partnered XXXX XXXX to research and assist me Opened new Chime account for payroll direct deposit set up through our company 's employee self managed direct deposit payroll portal. Account was immediately live to remit XXXX. Pay date was XX/XX/XXXX and no funds deposited as of XX/XX/XXXX and confirmed all week no rejection was received by my employer. 50 emails to support and no resolution
Product: Student loan

Repeatedly contacted Nelnet regarding inability to login to account, but have not received login information. Further, I wish to delay repayment during on-ramp period, but Nelnet continues to send me increasing bill statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, TransUnion XXXX XXXX XXXX  XXXX, PA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX 3. XXXX XXXX : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX credit bureau continues to report inaccurate information on my credit report. On XX/XX/XXXX a dispute was submitted to request Account # XXXX XXXX XXXX account status update to closed on XX/XX/XXXX. The creditor correct the information in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the account status as opened with inaccurate closed date, the account was disputed by myself to credit bureau, the account was corrected and the status was changed to closed/ charge off XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the account as open with a new closed date of XX/XX/XXXX. 

I have filed several disputes with all three creditor bureaus and XXXX XXXX to correct the inaccurate information reporting on my credit report. The company continues report inaccurate closed date on the account even after numerous disputes. 

I filed a complaint with CONSUMER FINANCIAL PROTECTION XX/XX/XXXX CFPB Reference Number : XXXX. The creditor agreed to report the account accurately to all three credit bureaus. After the letter was submitted to CFBP the creditor reported inaccurate information to all three credit bureaus again.
Product: Vehicle loan or lease

TOYOTA MOTOR CREDIT - PURPOSELY MAKE IT DIFFICULT TO PAY DOWN PRINCIPAL OF LOAN BY : NOT DESIGNING IN A PRINCIPAL PAYMENT OPTION INTO THEIR LOAN PAYMENT INTERFACE WHEN CONFRONTED BY EXTRA PAYMENTS BEING SENT IN, THEY SAY THEY ARE APPLIED TOTHE NORMAL PAYMENTS DETERMINED BY THE INTEREST RATE AND THE LOAN - SO YOU CAN NOT DEFINE ANY AMOUNT OVER THE REGULAR PAYMENT TOWARDS THE PRINCIPAL ON PURPOSE. 

WHEN YOU KEEP QUESTIONING ( AND THEY DO MAKE YOU KEEP QUESTIONING ) YOU FINALLY GET AN ANSWER OF WHERE TO SEND A DIRECT PRINCIPAL PAYMENT - IT IS OLD SCHOOL, NOT ONLINE AND HAS TO BE MAILED TO A COMPLETELY DIFFERENT LOCATION. MAKING IT SHADY BUSINESS PROACTICE.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of inaccurate information from my credit report. Upon reviewing my credit report, I have discovered several accounts that do not belong to me and appear to have been merged with another individual 's file. I have contacted the banks associated with these erroneous accounts, and they have acknowledged the error. They have agreed to remove these accounts from their records to avoid legal action. I have also submitted the required FTC report to the Federal Trade Commission and have enclosed a copy for your reference. 
It is imperative that you conduct a thorough investigation into these discrepancies and rectify them immediately. 
Failure to do so may result in legal action being taken against your bureau for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX