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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 

XXXX XXXX, Account # XXXX  XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : My name is XXXX XXXX and I reside at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. All three major credit bureaus - XXXX, Equifax, and XXXX - are inaccurately reporting a {$1900.00} account for " XXXX  All Goods '' that I did not open or authorize. 

I have never had any financial account or business dealings with XXXX. However, this fictional debt continues to appear on my credit reports and severely damage my credit score. 

I have disputed this account in writing with all three credit bureaus multiple times, most recently on XX/XX/2023. However, all three have failed to reasonably investigate and remove the false information as required by the FCRA Section 611 and Section 623.

This appears to be a violation of the Fair Credit Reporting Act and Section 15 of the Fair Debt Collection Practices Act regarding false and deceptive information. Despite my disputes, the credit bureaus and this furnisher refuse to correct this. 

I request the CFPB open an investigation into the credit bureaus noncompliance and require the immediate deletion of this inaccurate XXXX tradeline. Please contact me at [ phone number ] to discuss this issue further. Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries appear on my credit report that I dont recognize they should be remove promptly XXXX XXXX XXXX XXXX date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Trans union credit bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Navy Federal Credit Union has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX has violated my right 15 U.S.C 1681 Section 602 A states I have right to privacy .15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furish a account with my written instruction and my signature.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no knowledge of this and the company did it without my consent.
Product: Checking or savings account

HELLO AS THEY ARE TREATED TO SOLVE THIS PROBLEM WITH MY BANK BANK REGION THEY ARE IN THE PROCESS OF CLOSING MY ACCOUNT ONLY BECAUSE I RECEIVED A CHECK AS I PAYED IT AND DEPOSITED IT IN MY BANK ACCOUNT BUT THE CHECK RETURNED BECAUSE I DID NOT HAVE FUNDS I DID NOT KNOW WHAT HAD PAID ME WITH A CHECK WITHOUT FUNDS NOW MY BANK SAYS THAT I'M TRYING TO MAKE A FRAUD AND IT IS NOT ALREADY I HAVE SEVERAL YEARS WITH THIS BANK ACCOUNT HERE IS WHERE I RECEIVE THE MONEY THAT DEPOSITS SOCIAL SECURITY FOR MY XXXX SON XXXX XXXX THIS ACCOUNT TO RECEIVE MY MONEY .... I NEVER TRIED TO MAKE FRAUD AND I HAVE TIME HERE AND NEVER HAVE THAT INTENTION THANK YOU ..
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending a removal of debt request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, I received a refusal to remove the debt from my credit report on all 3 bureaus on XXXX XXXX. The letter stated that I had not provided enough information related to my dispute. The 2 documents they sent me were a " move out statement '' dated XXXX. It has a list of charges adding up to the balance of {$5700.00}, and an address with the zip code of XXXX ( a postal code in XXXX, XXXX ). The other document is an Apartment Lease Contract. This document has all electronic signatures and an address with the zip code of XXXX. Both of documents are in consistent, fabricated, fraudulent, and I want this debt removed from my credit report on by XXXX and Equifax. XXXX has honored the dispute of this debt, and removed it already. But I have been turned down by 6 apartments in the last 2 years due to this fraudulent debt. I need it removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification and investigation of the validity of this debt and they said they did however I am claiming inaccuracies and false reporting. In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

15 U.S.C 1681 Section 602 A. states a consumer reporting agency can not furnish an account without my written instructions - XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX # XXXX
Product: Debt collection

i was told 'legal actions would be taken ' 'if you start payments then fall back it's really going to hurt your credit '. demanded a {$1000.00} payment before the phone call was over or they would come after me 'to the fullest extent of the law ' then he went down to wanting a {$300.00} payment then {$100.00} payment implying if i didn't pay him something before the call was over they would come after me legally
Product: Credit card or prepaid card

I currently have a TD Bank credit Card, I went to the local TD Bank and attempted to make my payment to them. Their offices was closed due to the COVID 19 pandemic. I called TD Bank and tried to make a payment over the phone. I tried to make a payment online and they had froze my account and refused payment. 

I did speak to a rep on the phone and they claimed they would remove Eventually, the account was unfrozen. But now I have am showing a late payment for XXXX and XX/XX/2020. This was beyond my control due to the COVID 19 pandemic. I have been disputing these late payments for these reasons, and TD Bank has NEVER responded to my dispute letters. I don't understand how is this my fault when everything was closed down due to the government orders.
Product: Debt collection

A company called enhance recovery continues to remove a debt they can not verify from my credit and keep adding it as a new collection, which is re-aging the account. Before I take legal action I will try to resolve it here.
Product: Debt collection

On XX/XX/2020, I received a letter from SRM collection agency regarding an outstanding debt for {$550.00} with XXXX, which they implied was mine. I have never had an account with XXXX or ever used, or co-signed for someone else to use, their services in any way. The name on the account was for someone with the same first and last name as mine was prior to my marriage ( and name change ) which was years prior to the original opening of the subject delinquent XXXX account. Although I live in the same state as the apparent person who opened the delinquent account, I reside over XXXX miles from the location it was initially opened/activated from. I have also never lived in that part of the state. I have never even had a phone number within the area code of the number associated with the delinquent account, much less the exact number itself. 

On XX/XX/2020, I sent SRM a letter disputing the debt. I requested additional information regarding the debt and clearly informed them it was not mine. 

I later received a letter from SRM, dated XX/XX/2020, further accusing me of the debt and providing me some additional information as requested. I sent them another letter XXXX dated XX/XX/2020 XXXX providing additional information as to why it is not my debt and that I have considered the matter closed as far as I am concerned. 

I received another letter XXXX XX/XX/2020 ) from them, now saying that I had indicated that I was victimized by identity theft. I never said that. I do not believe this is due to identity theft. I honestly believe they are simply accusing me of this debt because, in the past, I had the same first and last name, at one time, and, I happen to live is the same state as the actual guilty party. It appears to be poor or sloppy research on their end as they are absolutely accusing the wrong party of this debt. 

Please help get this collection agency to realize I am not the individual responsible for this account. I never opened it, used it, or ever even had an account with XXXX in my entire life. I consider this matter closed as far as I am concerned and truly wish they would stop accusing me and focus their efforts on locating the actual guilty party.
Product: Checking or savings account

I got my income tax refund and decided to open an account using it. I went to Capital one branch on XX/XX/XXXX @ XXXX XXXX XXXX, XXXX, NJ XXXX, spoke with a rep and proceeded to open the account and deposited a check totaling {$2200.00}. She informed me that my funds would clear in 24 to 48 hours since it was a treasury check. Later that night I rec 'd an email stating they need to investigate the check and I wouldn't clear the funds until XX/XX/XXXX. The next day XX/XX/XXXX I called to find out why the date has moved and was question by the rep stating what do I do to get such a big refund and I am new to the bank this is why it has to be investigated. I said it didn't make sense you verified my ID during the account opening process, you took my SS # etc. After this call later the same night I got another email stating the extended hold even further until XX/XX/XXXX. After the indication of fraud by Capital One I contacted my accountant which then contacted the IRS and was told my initial refund was reduced because of a prior tax debt and the new amount was issued and mail in check form to my address which is what I used for opening the account. Why would it take capital one 2 months to clear a check. No other financial institution does this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, i have a XXXX  XXXX credit card. my payments were not being updated on my transunion report. so i asked them to update my payments so my credit score could be updated. well in their investigation and conclusion they deleted my XXXX  XXXX account. the account is still active and being used. the deletion does not show on my XXXX  report, only transunion. i would just like it to be reinstated with my payment history returned to normal please. with them deleting it dropped my score significantly. i have been on the phone with transunion, who sent me to XXXX  XXXX, who sent me to my bank, who sent me to a credit specialist, who then sent me to cfpb. any help would be greatly appreciated.
Product: Checking or savings account

XXXX : ATTENTION CITIBANK CHARGING LIVES FOR USING THEIR BANK READ BELOW : At closing of day XXXX my account was at : {$430.00} XXXX had already been paid Today without any purchase the account was THEFT at : {$180.00} Therefore, there is {$180.00} missing from account. 

As per a Citibank representative on microphone on the train that works in New Jersey XXXX branch : " The bank charged you and your husband your life for using Citibank! '' Citibank theft! Of {$180.00} ( My birthday and the age of my husband ) On XXXX {$12.00} went missing from account Previous thefts : FRAUD See attachment XXXX XXXX XXXX XXXX XXXX Citibank Dispute charge {$29.00} today XXXX ; String of Frauds to my Citibank account My account should be XXXX this morning XXXX and {$29.00} are again missing from account Account this morning available balance : {$770.00} Please find the {$29.00} money missing. Another theft was committed on XXXX in the the amount of {$14.00}. Read below : FRAUD See attachment XXXX XXXX XXXX XXXX XXXX Citibank Dispute charge {$14.00} For a " Scammers Be Careful! '' The purchase was completed without my authorization. Citibank offered to reimburse, but only if I cancel my card and reorder a new one. At the moment, I CAN NOT do so as I am in transit to work today XXXX. Apparently, the Fraud was completed on XXXX If you can, please refund my account without canceling my card. I will update PIN information. XXXX XXXX XXXX XXXX
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. The Equifax and XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX  XXXXBalance Owed : {$15000.00}.
Product: Debt collection

Collection agency, Haris and Haris, spoke to a relative about the outstanding debt and accepted payment from them even though the relative has no liability or responsibility to the debt. 

Amount was for {$9.00} fee and {$9.00} penalty, collected on XX/XX/2019. Had previously spoken to the collection agency, to provide them with my corrected contact information, instruct them to only use the phone number I provided, and then inquired about whether they have a record of the original payment being settled ( which it was ).
Product: Vehicle loan or lease

We called west lake financial for a simple extension. We were never told initially we would accrue any interest or late fees but were told we must wait 15 days after the due date to request an extension. I then called in and I was told I must pay an NSF  fee and a late fee. After being hung up on numerous times by numerous agents I asked for the NSF  fee and the late fee to be waived due to issues with a supervisor and numerous other agents and I was told that in order for to me to get an extension I would have to pay {$50.00} in order to get it they also told me that if I paid the {$50.00} my extension would be guaranteed. They said by not paying the {$50.00} I would have to call back and its not guaranteed. I feel like this is almost an illegal business practice for our financial institution and I want reviewed. I also have a recording from the final call which I did tell them that the call was being recorded where they admitted to all of this. I would like all fees and internet carried waived due to the neglect and mistreatment. I also was told that the manager I spoke to was the only manager available and I could not speak to any other manager, which made me feel like I had no other resources to help me as a customer.
Product: Vehicle loan or lease

Mercedes Benz charged off car loan, and never sent the consumer a cancellation of debt to inform the consumer that they wrote off the debt, Mercedes then sold the debt to a third party to collect the debt twice, which they were already paid off for the original debt, I then noticed that the CRA 's removed the debt, and recently noticed the CRA 's put the debt back on consumer 's credit report. Mercedes Benz or the CRA 's were authorize to report any negative actions on my credit report, nor was the consumer notified of these reporting. Also there was no a sticker price on the vehicle at time of purchase, and additional fees were added outside the finance charge of the vehicle. Mercedes Benz took a down payment which was not added into the finance charge of the vehicle, and was never given a clear title of the vehicle once they wrote off the vehicle, and still reporting negatively on my credit report. Mercedes Benz never supplied me with the original application for the credit transaction when a validation of debt was sent to the corporation back in 2022, After recently reviewing my consumer report, that's when I noticed that the debt was put back on the credit report, reason 's for me to report this corporation for unfair debt practices. And 15 USC 1681a2.
Product: Credit reporting or other personal consumer reports

Have been attempting to login to my Transunion account for several weeks in order to unfreeze my credit, but the website is telling me to contact Transunion themselves so I can update my phone number with them. Upon calling, I am unable to actually reach anyone and am just told by the automated service that they can not find my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the attached document from XXXX XXXX XXXX today XX/XX/XXXX. They claim my late payment occurred in XX/XX/XXXX. Their records clearly show the actual late payment occurred in XXXX of XXXX. I would like my credit to be updated with accurate information and change the late payment from XXXX of XXXX to the correct date of XX/XX/XXXX. It is not right to damage my credit now for a late payment 17 months ago. I have been working to rebuild my credit in the last year and this was an undeserved hit on my credit!!!! Please suggest the company correct this inaccurate entry. 
Please provide me with information regarding the next step to take if they are unwilling to cooperate. Would it be to involve an attorney? 

Thank you, XXXX
Product: Debt collection

In 2018, I signed a TRAP agreement with XXXX XXXX in order to get my XXXX. The agreement was that I work for them for a year and owe nothing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened at the XXXX XXXX in XXXX, CA in XXXX of 2018 in a public area and was in fact filmed from multiple directions with audio. I attempted to file charges but the other employee said he was trying to help me because I tripped. I didn't trip. Cameras confirmed that. I reported the incident the next day and XXXX XXXX did nothing. I quit because I did not feel safe and discovered that because I left before the agreed time that they put a NEFR on my record and have put a derogatory mark on my credit. I do not feel that it should be legal for a company to ignore blatant safety issues that are on record nor punish an employee for leaving when they feel their safety is in jeopardy.
Product: Credit card or prepaid card

I contacted Bank of America on XX/XX/XXXX and asked them to close the account. Bank of America did not close my account and on XX/XX/XXXX I was charged {$59.00} annual account fee.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had three late payments on an account that i was in fact paid on time. The consumer reportina agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the Following dates ( XX/XX/2022 ) ( XX/XX/2022 ) ( XX/XX/2022 ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Every single alleged account that Is reporting on my consumer report is incorrect and needs to be removed. Every negative alleged account is reporting inaccurately, and erroneous which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting incorrectly. Please have them do a full complete investigation on my credit report, please dont just have them do it by eoscar, my life is depending on my good credit. Every account is unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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  ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX   ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.