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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage Company is reporting " delinquent '' to credit reporting agencies my promptly-paid mortgage and refuses to respond in any way to my requests for error correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent out a letter to request the description of the procedure used to determine the accuracy and completeness of the accounts in dispute below. The letter was mailed out XX/XX/2023 I still have yet to receive a reply from you or anything from your company to let me know the results of my dispute/request. It has been just shy of 60 days since mailing my request. 15 usc 1681i ( 7 ) states that you have 15 days to provide the description after you received the request. With that said you are currently in violation. As a consumer I have the right to request this information in connection with 15 usc 1681i ( 6 ) ( B ) ( iii ). In the previous letter I sent, it states my reason for disputing the items.

Below you will find the items listed again and I am requesting that yall reply within 5 calendar days.
Product: Student loan

I called Wells Fargo in XXXX to defer my loan. They usually offer deferments in no more than 2 month lengths. I was asked to make the payment for XXXX then I would be approved. I made the payment then was told my deferment was approved for two full months and that payments would resume in XXXX. A month later, I got a letter in the mail saying I was late. I called because I was puzzled as to why I was getting this letter when my loan was in deferment status. After having to explain my story several times, I was told the deferment was canceled stating they can only give two month 's deferment in ac12 month period. I 've talked to several departments and they all refuse to help me. Instead here threatening to report me to the credit beareu and keep tacking on late fees of {$28.00} each. I was not planning on having to pay them XXXX payments of {$220.00} each and XXXX late charges ( so far ) so my XXXX payment of {$220.00} will still have me in the red and I wo n't be able to catch up for several month to a year. There 's not a lot of companies that refinance student loans. I wish I could leave XXXX afar go since they are not customer friendly and obviously do n't mind hurting their customers.
Product: Credit reporting or other personal consumer reports

I woke up this morning around XXXX Eastern time because I had heard my phone ding. There was an email from XXXX  stating that there was a new inquiry on my credit report, when I logged in there was a hard inquiry from XXXX  XXXX today. I have no applied for a XXXX  XXXX credit card and I have no submitted a request for one. I contacted XXXX and filed a dispute, I also filed one with XXXX. XXXX advised me to contact the bank XXXX XXXX. I was told by a representative that someone did try to open a card in my name and that they would decline the application due to me letting them know someone had used my social security number unknowingly. I told them that if it werent for XXXX  emailing me and letting me know about the inquiry I wouldve never knew someone tried to get a card in my name. Especially due to me not getting an alert from XXXX  XXXX or anything. I do not have any accounts with XXXX  XXXX and I have never applied for a XXXX  XXXX card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX ACCOUNT ( XXXX ) /RE-INSERT ( XXXX ) XXXX XXXX SECURED PLEDGE LOANS TRANSUNION TRADELINES RE-INSERTION LETTER ( XXXX ) IN TOTAL SECURED LOANS XXXX  Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : PLEASE RE-INSERT & UNBLOCK THESE ( XXXX ) XXXX XXXX TRADELINES. THEY ALL BELONG TO ME. THESE ITEMS LISTED XXXX, THEY ALL BELONG TO ME. THESE ARE MINE. 
PLEASE RE-INSERT ALL THESE TRADELINES BACK ON MY CREDIT REPORT IMMEDIATELY. 



THESE ACCOUNTS LISTED BELOW ARE MINE. PLEASE RE-INSERT & Unblock THESE ( XXXX ) LOANS LOAN XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Re-Insert it back on my credit report. 
XXXX XXXX : {$1400.00} Date Opened : XX/XX/XXXX Closed. 
XXXX XXXX. 






LOAN XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Re-Insert it back on my credit report. 
XXXX XXXX : {$1400.00} Date Opened : XX/XX/XXXX Closed. 
XXXX XXXX. 



LOAN XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Re-Insert it back on my credit report. 
XXXX XXXX : {$390.00} Date Opened : XX/XX/XXXX Closed. 
XXXX XXXX. 


LOAN XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Re-Insert it back on my credit report. 
XXXX XXXX : {$390.00} Date Opened : XX/XX/XXXX Closed. 
XXXX XXXX. 








Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Submitted a despite through Experian, for the removal of XXXX reporting as 1 ) it is paid in full and closed, and 2 ) the was a recorded conversation between myself and customer service in XX/XX/year> about removing the items from my consumer report upon it being paid off. Experians investigation has come up with no proof from XXXX, yet continues to leave it on my credit report. This is a violation of my rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

, In accordance of the Fair Credit Reporting act these accounts has violated my rights and is reporting inaccurate information. Please remove following account : Account name : XXXX # XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX # XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX # XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to let you know that I was a victim of identity theft and that I want to challenge some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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, credit repair services, or other personal consumer reports

My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that the first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items. I have never heard of these things on my report. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$2200.00} COLLECTIONS XXXX {$780.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX   ARKANSAS XXXX {$170.00}
Product: Credit reporting or other personal consumer reports

1 ) Theres inaccuracy data on my credit report theres a collection from XXXX XXXX XXXX for {$120.00} that I dont have no knowledge of. XXXX XXXX XXXX XXXX XXXX is reporting this debt as well that dont belongs to me. Original Amount Owed. Ive never rented or lease with this company or had any agreements.

It says original amount {$110.00} and now is {$120.00}? 
Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification RENTAL_OR_LEASING I need this account deleted from my file. 

2 ) XXXX  XXXX account charged off {$870.00} ; this account was closed and charged off and I never received a 1099c or validation letter. This account needs to be remove immediately. Account # XXXX XXXX ) XXXX # XXXX is showing charged off account but {$0.00} balance this needs to be off my credit report as well for incorrect reporting. 

4 ) XXXX XXXX # XXXX charged off for {$160.00} no knowledge of this account incorrect reporting no validation letter if 1099c.

Please investigate these accounts and delete from my credit file. Thank you
Product: Credit card

Complaint XXXX : XXXX, Chase Bank, and XXXX Bank Credit Card Solicitation PracticesBait and Switch Fraud! 

On XXXX XXXX, 2015 ; I signed up for a credit card on XXXX. I was enticed by the offer that I saw, which was " 12 months no interest ''. Unfortunately, I would soon realize, I did not receive this offer. 

In XXXX of 2015 ; I received a credit card statement and to my surprise, I was being charged interest on a purchase that was supposed to be 12 months no interest. 

I immediately called XXXX to rectify this issue. I was only on the phone with XXXX for a few minutes when a representative told me the credit card that I have is through Chase and XXXX does n't handle credit card inquiries. With that information, I contacted Chase, it was during that conversation that I was awoken to the fact that I had signed up for the XXXX Awards credit card through Chase and not the XXXX XXXX XXXX. Furthermore, I was told by the Chase representative that Chase did not offer the 12 months no interest and that interest was effective immediately at 19.24 %. 

Below is a side-by-side comparison of the XXXX XXXX credit cards, XXXX offered through Chase Bank, the other through XXXX Bank. Can you tell which one is which? How about while seeing the XXXX offering 12 months no interest first and then the one not offering any incentive during the checkout process? Why is XXXX soliciting multiple credit cards at the same time? I ca n't ever recall another store with similar practices, can you? ( Images would not load on this page XXXX The answer is pretty clear. XXXX is " Baiting '' consumers with the XXXX XXXX XXXX 's 12 months no interest and " Switching '' the credit card sign-up page to XXXX Rewards, with no benefits and high interest rates. It 's inconceivable that XXXX, Chase Bank, and XXXX Bank have partnered up to blatantly defraud customers. 

The resolution that I am seeking is to receive the terms that I signed up for, or would have, if XXXX had n't switched the offer. 12 months no interest and credit of the interest that I 've already paid.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Experian opened a dispute with the company XXXX in response to an affidavit I sent in describing the inaccuracies displayed on my report by the furnisher XXXX. On XX/XX/year>, this dispute was completed with a resolution of this account had been updated. No where in the description did it express this debt was validated nor did I receive any correspondence with the documents requested to validate this debt. I also requested cessation of collection efforts until the debts were properly validated and as of today XX/XX/year>, they have not been. Under the Fair Debt Collection Practices Act ( FDCPA ), section 805 ( c ), I am entitled to request a debt collector to cease communication regarding a specific debt. I requested that communication cease until debts were properly validated in the original dispute letter that was received by the bureaus on XX/XX/XXXX. XXXX has contacted me XXXX times since then without properly validating the alleged debt, placing the company in violation of the FDCPA for disobeying my request. Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S. Code 1681e ( b ), which states bureaus must assure maximum possible accuracy of the information in a report, I requested validation of this account due to inconsistency in account information amongst the reports. In this dispute I stated should these documents not be provided... I will assume that these debts can not be validated and therefore expect a deletion of these accounts from my reports. I am now sending the attached letter directly to the company as I also submit this complaint.
Product: Debt collection

XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to address a matter concerning the alleged debt that Buckles and Buckles P.L.C claims I owe {$6800.00}. It has come to my attention that your firm is pursuing legal action against me regarding this debt. I would like to formally state that I have not received a debt validation letter from your office. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive written verification of any debt within five days of your initial communication with me. The absence of this validation letter constitutes a violation of the FDCPA and raises serious concerns about the legitimacy of your claims. I request that Buckles and Buckles P.L.C provide proper documentation validating the debt in question. Until I receive this information, I will consider this matter unresolved and urge you to cease any legal actions against me. 

I believe in the importance of fair and transparent communication, and I hope we can resolve this situation amicably. Please respond to this letter at your earliest convenience, providing the necessary validation for the alleged debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

For the past two weeks, I have been getting calls from the Pentagon Federal Credit Union to pay my overdraft of {$300.00} and my credit card of {$14000.00}. PENFED instructed me to go to the local branch and make payments of XXXX dollars on Overdraft and {$98.00} on credit card. I went to XXXX XXXX 's branch and was told that I could not make any payments. The teller was instructed to call the " fraud '' department. This is the most confusing situation. In addition, I did not authorize a phone transfer of my checking account. PENFED claims I did for {$3100.00} from my closed checking account. I disputed it {$1300.00} from the Checking account. PENFED refuses to assist ; the money that's in my checking account is my money, and PENFED states I can't use it for anything, such as buying land or gambling. It's not their money, I need assistance to have this cleared up and make payments on my savings and credit card as well as clearing up the unauthorized phone transfer of {$3100.00} and have PENFED investigate my {$1300.00} dispute from XXXX ( {$200.00} and {$1100.00} ). The fraud department states that PENFED is the one imposing the fraud alert and was told not to release the restriction.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Hello, I was looking to find a rental house through XXXX yesterday. And someone contacted me to ask for {$66.00} before showing the house. She said it is refundable. So I sent the money to her {$66.00} via XXXX yesterday ( XX/XX/2023 ). But I just realized that it was a scam. She was not the owner of the house. She just stole my money. 
I have her phone number. Her number is XXXX. And name is XXXX. And she is refusing to make a refund of {$66.00} even though I asked for a refund because she did not let me see the house. 
I would like to receive back my money, and also stop her from making other victims. 
So please help me. I need your help! 

* the website that she listed is below ( You can find her phone number here ) XXXX XXXX XXXX  Fraud date : XX/XX/2023 Amount : {$66.00} Actions : I contacted the scammer and asked for money back several times but she refused it. And I also contacted the Chase bank to stop the transaction but the bank told me that it was already transferred to the scammer. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone use my information to obtain credit and there is an account opened that I didnt open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and reached out to Complete credit solutions and explain to them that this is not my account and I have sent in documentation from the Federal Trade commission stating that this account has been fraudulent and it needs to be deleted off my account. What they are doing is against the FCRA. Its also illegal to report false information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed a dispute with XXXX  as they have incorrect information on my report which has affected my credit score and ability to get credit. report # XXXX. I also emailed the president of XXXX  XXXX XXXX on XX/XX/2021. 

I applied for financing for an auto loan on XX/XX/2021 with XXXX They contacted XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX and XXXXXXXX XXXX. On my credit report it states that i have three hard inquiries as a result of me trying to get a car loan. The law says that a dealership may have sent your loan application to multiple lenders to find the most favorable interest rates. If they all fell within a window of a few weeks, they will be considered rate shopping and will only count as a single inquiry in credit score calculations. XXXX  has counted them as 3 inquiries thereby impacting my score. The inquiries were all on the same day. This has also happened with XXXX  and transunion which I have not filed disputes with yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT. I NOTICE THESE ACCOUNTS ON MY REPORT WHICH ARE FRAUDULENT. I AM A DISABLE YOUNG MAN I DON'T EVEN KNOW ABOUT CREDIT MY FATHER IS TRYING TO TEACH ME WHATS CREDIT ALL ABOUT, BUT AS MY JOURNEY TO GROWING TO BECOME A MAN. I REALIZE THAT I'M A VICTIM OF IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the correction of the account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} that has been erroneously reporting on my Credit File. This account is reported as a charge off account and yet it has been continuously reporting an alleged balance of {$810.00}. I do not know that much but for all I know Charge off accounts should report a {$0.00} balance. I have been frequently requesting that the Credit Bureaus remove the balance and change it to XXXX but the Credit Bureaus have been stubborn with their claims. Also, I have been requesting the Credit Bureaus to provide me copies of proof of verification since they have been reporting this account as verified in which I strongly disagree. I am now submitting this CFPB complaint to request to the Credit Bureaus that they either remove the balance and change it toXX/XX/XXXX or completely eradicate the disputed erroneous account from my Credit File.