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

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding false information that has been reported on my credit report by one or more of the credit bureaus. The false information that has been reported has significantly impacted my credit score and has caused me financial harm. 

Specifically, I have identified false information on my credit report that has resulted from identity theft. From my understanding of the law, credit reporting agencies are required to block the reporting of any information that results from an alleged identity theft, except as otherwise provided in the law. However, despite my repeated attempts to dispute and correct this information with the credit bureaus, they have failed to do so. 

I have followed all proper procedures to dispute and correct the information, but the credit bureaus have been unresponsive and have not taken any action to correct the false information on my credit report. As a result, I have suffered significant harm to my credit score, which has impacted my ability to obtain credit, housing, and employment opportunities.
Product: Credit card or prepaid card

XXXX XXXX credit card. They said I would get to board the plane first if I bought the credit card that cost ( {$100.00} ) per year so long as I use the card to buy the plane tickets. I did what they said but when it came time to board I was put in group 7. Well after several other groups boarded. When I complained to XXXX XXXX they told me it was the credit card 's problem. So I called the credit card and they told me it was the airline 's problem. After that went on for three or four times ( on the phone with the airline and then the credit card ), I simply gave up.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. 

PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. 

THANKS SEE THE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied for a car loan as information supplied by Experian ( on behalf of XXXX ) makes it appear that my debt to income ratio is problematic. This is due to erroneous monthly payment amounts being reported totaling over {$700.00}, notwithstanding the fact that I am currently on an Income Driven Repayment Plan with a monthly payment of {$0.00}. I have been on this plan for years, and will continue to remain on this plan so long as I recertify yearly, which I have always done. This issue only appears in error on my Experian report ; my XXXX  and XXXX reports both list my monthly payment correctly at {$0.00}. 

In speaking with these companies, Experian blamed XXXX for providing inaccurate information, while XXXX blamed Experian for " interpreting the information they provide incorrectly. '' The bottom line is that SOMEONE is responsible for this inaccurate information, and responsibility can not simply continue to be shifted back and forth. The information needs to be fixed. Period.
Product: Credit card or prepaid card

In XX/XX/2021 I got a credit card bill from XXXXComenity for {$160.00}. 
I did not open a credit card with this company nor did I order any items. Someone apparently opened this account using my name. 

I contacted Comenity by phone on XX/XX/2021 and that some had fraudulently open an account in my name and made purchases on this account. Comenity rep stated that they will open a fraud investigation. I requested that Comenity send me a letter stating that the account has been closed, that I am not responsible for the charges to this account, and that the credit bureaus will be contacted to remove this account from my credit bureau report. 

On XX/XX/2021 I created an account on IdentityTheft.gov and submitted a fraud report. 

On XX/XX/2021 I received a letter from Comenity/XXXX ( attachment 1 ) stating that " we have updated our records and have notified the credit reporting agencies of the changes that need to be made to your credit report. '' The XX/XX/2021 letter from Comenity does NOT state that the account has been closed. It does NOT state that I am not responsible for the charges to this account. Only references " disputed amount ''. 

Because of this I created letter ( attachment 2 ) thru IdentityTheft.gov and sent it to Comenity on XX/XX/2021 requesting again to do the following : 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information of this account from my credit files. 

In XXXX I received a letter dated XX/XX/2021 from Comenity ( attachment 3 ) stating that " we have concluded that you are not responsible for disputed balance amount on this credit card account. '' In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report, if applicable. 

This Comenity letter from XX/XX/2021 states only that " you are not responsible for the disputed balance amount.. '' It does not state that any charges on the unauthorized account has been removed. There is no mention of the account being closed. So that there is the possibility that additional charges could be made to this account. 

I contacted Comenity by phone and requested a letter stating that the account has been closed and that I am not responsible for any charges to this account. The representative refused stating that the letter dated XX/XX/2021 is sufficient and there is no action planned on their end. 

This is unacceptable to as it does not preclude future charges to this account. There is nothing in writing that states that the account has been closed and that ALL charges have been removed from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete inaccurate unidentified items from my credit report, after serval disputes. They refuse to comply and The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.
Product: Credit card or prepaid card

on XX/XX/XXXX, I purchased a plane ticket from XXXX XXXX for my sister XXXX XXXX. She was scheduled to fly on XX/XX/XXXX. When Covid 19 hit, she called her physician to see if it was ok for her to fly. Since she is XXXX XXXX XXXX and has XXXX XXXX XXXX XXXX he advised her not to fly because she is high risk. The ticket was cancelled on XX/XX/XXXX via XXXX customer service and was advised a refund would be issued with a letter from the dr. A letter was sent to XXXX and Chase credit card for a refund. I received an email from XXXX showing a refund was completed on XXXX. I have sent several copies via email and fax to Chase but as of today I have not received the credit. The amount is {$260.00}. I have called 3 times and all I get is that I need to resubmit the dispute. It was submitted in XXXX, and XX/XX/1920, XXXX and faxed XXXX. They have a copy of the physicians letter and the email showing the refund approval from XXXX. I do not know where else to turn in getting this issue resolved. I would greatly appreciate any help you are able to provide with a resolution. Thank you for your kind consideration. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened through identity theft prior to me being of legal age. My ex step father opened this account I believe ; however not certain. I didn't find out this account existed until my XXXX birthday. I have tried on several occasions to have it removed by Capitol One. Each time they claim it is a valid debt although I clearly was a minor.
Product: Debt collection

I have been in contact with Jefferson Capital Sys for over two weeks trying to verify the account and the dates they will only say that I owe this collection. I have ask on 3 occasions for them to mail me info on the account and the process to dispute its validity but I have recieved nothing, I also contacted a credit agency to help me get more info and they have not been able to verify the account only to say they have my name an social security number, I need help ASAP
Product: Credit reporting or other personal consumer reports

I'm writing to voice my worries about a few problems I've had with the credit bureau. These problems include false account listings, multiple unauthorized inquiries, faulty credit reporting, billing irregularities, and accounts that are not mine.
Product: Credit card

There were fraudulent charges against my account with even someone gaining access to my pin somehow, some of the charges included XXXX XXXX XXXX XXXX power bill, XXXX XXXX and XXXX XXXXXXXX XXXX I went to the bank on XX/XX/XXXX and discussed the pending charges that were not made by me and ask the bank to cancel my card. Went back to the bank on XX/XX/XXXX and ask why the card charges were able to post, and they said it wasn't their problem. So i go back on XX/XX/XXXX to ask for help with resolving this issue after receiving the letter claiming that i made the charges and my claim was closed. The claim number is XXXX. All these attempts were unsuccessful so i am reach out for your assistance. I plan to file a police report. I need help with resolving this issue because I don't think i am getting the appropriate help from WELLSFARGO Bank Representatives. The issue started when I contacted the bank about the issue on the XX/XX/XXXX and they closed the claim 5 days stating that the charges were made by me or someone who had permission. I tried to call and ask for supporting documentation regarding the closing of my claim and I was hung up on. Your assistance would be greatly appreciated. I understand Wellsfargo is closing branches and I am concerned that correct attention is not being paid to my concern.
Product: Vehicle loan or lease

UNDER 15 U.S. Code 1681b ( a ) ( 2 ) on Experian it's posted as being repossessed and on XXXX, it's being reported as closed. Incorrect information
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an XXXX  XXXX  assisting me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXXXXXX XXXX XXXX XXXX, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; Ally Financial credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, EQUIFAX sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX to the XXXX there were XXXX hard inquiries made on my credit but none were initiated by me
Product: Debt collection

I have a complaint against Citibank and Macys. Ive called them several times and have been unsuccessful in reaching a resolution about settling a debt. Ive waited over a month for a response and have received nothing. When I call the reps, they give me the run around and ultimately are not able to help me. 

In addition to phone calls, Ive also sent out a letter to each creditor asking to settle the debt and again, no responses from either company. I have home ownership goals and needs that require my credit to be clear of any debts. Im willing to pay any monies owed and need to get this resolved ASAP. It is urgent that this matter is tended to immediately. 

Once paid, I would like to get any negative credit reporting and history from Citibank and Macys removed from my credit report entirely. 

Please contact me ASAP regarding this matter. 

Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report.

Im depressed and after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( XXXX ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report. 
Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life.
Product: Vehicle loan or lease

We know that we have fallen behind on some payments but the company has told us if we show proof to why we are behind they can do a two for one payment or pay such amount that it will catch us up. But in reality we now owe more than the worth of the car. We got the car XX/XX/2016 for XXXX now they are saying we owe over XXXX for the car. We have provided documentation Everytime they have asked for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS INCORRECT PERSONAL INFORMATION LISTED ON MY CREDIT REPORT. 

My name is XXXX XXXX XXXX. Please remove these incorrect variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or may belong to a relative : XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed errors on y credit file and the results came back as verified with XXXX  the following address XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX. XXXX, Ga XXXX and the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I file an FTC identity fraud report for a company name XXXX XXXX XXXX, who said they were acting on behalf of XXXX, and Ii never have an account with XXXX and I kept disputing the account and nothing was ever being done for 6 years of disputing this item on my credit report with the account number XXXX. 
On XX/XX/2021, XXXX and XXXX deleted the account from my credit report after the new investigation. 
On XX/XX/2021, I check my credit file for any inaccuracies and unauthorized inquiries I find the same account appeared on my credit report again for the same amount of {$1100.00} under a different collection name XXXX XXXX XXXX. 

Additionally, another account that I paid and original creditor XXXX XXXX XXXX of XXXX removed the file on my credit report appeared again under the same XXXX / XXXX XXXX XXXX account # XXXX which was the collection company I paid back in XX/XX/2021. 
I need an investigation into these two company that are trying to defrauding me.
Product: Credit reporting or other personal consumer reports

I submitted the attached opt-out letters to these agencies on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019, and XX/XX/2019, and XX/XX/2019, I have submitted multiple disputes about hard inquires to Transunion and they have refused to investigate or remove they are clearly violating the law. All they keep sending is it has to be XXXX years without even looking into it they would send the same letter every two weeks so I would resend the dispute
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/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 XXXX credit reporting agency , Equifax, and XXXX, 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 on XX/XX/XXXX under the account number starting with XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number starting with XXXX, a student loan account opened at US Dept of EDXXXX XXXX XX/XX/XXXX under the account number starting with XXXX, Dept of education/XXXX XXXX  XX/XX/XXXX under account number starting with XXXX, XXXX XXXX XXXX opened under account number starting with XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$2600.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$740.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1200.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$680.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$270.00} that appears related to the aforementioned personal. Also inquiries from 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  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: Credit reporting or other personal consumer reports

I requested the original bill I received nothing I requested who the bill was to and from I never received it
Product: Debt collection

PORTFOLIO RECOV ASSOC gets information from other company 's records that are no longer in use, records that have been charged in bankruptcy or debts that do not exist. They specifically prey on minorities and women, and I am both, a WOMAN and XXXX, they prey on this demographic because they feel we can easily be intimidated into paying money I do not owe the debt and desire them to release me from it and to stop harassing me and remove it from my credit report. I reported them to CFPB in 2018 : XXXX XXXX XXXX  XXXX I do not know Communication tactics XXXX XXXX XX/XX/2018 Closed Company responded XXXX XXXX XXXX  XXXX I do not know Communication tactics PORTFOLIO RECOVERY XX/XX/2018 Closed Company responded
Product: Credit reporting or other personal consumer reports

I disputed account XXXX XXXX and requested a method of validation because it was verified before with our explaining how it was verified. My most recent dispute for this account I requested method of validation and original documents stating how this account belongs to me. The credit bureau EXPERIAN failed to provide any explanation of validation or reasons of the verification of this account which is a violation of my rights under the FCRA. This account needs to be deleted immediately and I am requesting compensation for validation of my rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or list of inquiries 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 card or prepaid card

Synchrony You've updated a scheduled payment for your CARECREDIT / SYNCHRONY BANK account. 
Thanks for the recent update to your scheduled payment. Review changes below, if needed.

Payment Date : Payment Amount : Confirmation Number : XX/XX/2023 {$51.00} XXXX Didn't make this change? Let us know. 
If this was you, you're all set. 

Tried calling, can't get a human on phone, want to pay off and cancel card