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

Despite my repeated efforts, I would like to follow up to remove these fraudulent items persist on my credit report, adversely affecting my creditworthiness and financial standing. 

This continued failure to address the issue is unacceptable and has caused significant stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my financial well-being and to safeguard against potential identity theft or financial fraud. 

I implore that you review this information thoroughly and take decisive action to ensure the removal of these fraudulent items. I seek your intervention in resolving this matter promptly and satisfactorily. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX FIN XXXX Balance Owed : {$4500.00} ; XXXX  XXXX  XXXX Balance Owed : {$450.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX ; XXXX XXXX Balance Owed XXXX {$980.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX XXXXXXXX - account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Debt collection

This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a violation of my medical privacy and the reporting agency has violated my rights per the consumer credit/finance laws.
Product: Debt collection

XX/XX/XXXX I paid my Target credit card in full approximately XXXX. The card was not used, then I received a bill for charge that was not mine I had called target several times which was a fricken mess!!! Nothing but automated not being able to speak to a human, not giving up I finally got to speak to a representative and I felt that they were trying to help me, this went on for months ( again speaking to 3or 4 more representatives and having to explain my situation again and again ) as target was adding late fees. Target sent me a form to fill out and I send it back which I had and I never received any response!!! Now I got sent to collections???? Really??? This charge was not mine and Im not paying it!! Thank You Target is horrible
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I got a phone call from a guy saying he was a detective and I was in legal trouble and needed to pay fees to get me out of it. I was told to send 2000 through XXXX on the XXXX, and then XXXX on the XXXX. I believed that it was a real detective because the guy had told me my wifes name and the phone company we use. I was told I would get 80 % back of what I sent once the case was closed. I kept calling XX/XX/XXXX to see what was going on, and then they started asking for more money which then I realized it was a scam. I called my financial institution, chase, as soon as I found out, and they wouldnt help me. I tried to contact XXXX and they wouldnt help either. The numbers that the scammers used to call me were XXXX and XXXX. The XXXX account I had to send money to was through XXXX, XXXX XXXX.
Product: Credit card

I have a credit card with continental finance which was opened XX/XX/XXXX. The account has maintained a good payment history since. At the time it was opened it was reported to all XXXX credit bureaus. however, there were duplicate accounts on all three. I had only XXXX credit card, but XXXX accounts were showing. I accurately, disputed the XXXX duplicates and left the XXXX accurate account out the dispute in XXXX subsequently, all my accounts were removed. I recently have written the customer service dept and faxed a formal dispute dated XX/XX/XXXX after my initial faxed letter, dated XXXX XXXX, was evidently faxed to a wrong number provided to me by customer service. the latter letter ( XX/XX/XXXX ) have been verified by a supervisor I been corresponding with via many emails over the past XXXX months by the name of XXXX XXXX XXXX, supervisor as being received. he also has been adamantly conveying, again in writing ( emails ) that this my account would be reinserted. I have patiently waited since XX/XX/XXXX to no avail. this three year old good standing account is still not reporting after I disputed it in XX/XX/XXXX. AT THIS POINT, CONTINENTAL FINANCE HAS VIOLATED MY RIGHTS UNDER THE FCRA BY NOT RESPONDING TO MY DISPUTE IN 30 DAYS. To date, as recent as a few days ago, XXXX XXXX jones is still assuring its being handled. He emailed me exactly what to put in the letter, stating to add " I am asking that continental finance reinstates this tradeline to my credit report '', which I have complied and have documentation. however, I am not receiving credit on my bureaus for this three year old account which is positive. I feel like im getting nowhere. I spend ample amount of time calling and corresponding with XXXX XXXX. Each time, he assures me its gon na be reinserted, but have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL ( 3 ) " CRA '' REPORTING INCORRECT OUTDATED SINCE XXXX  AND " PACER '' DATA OF ACCOUNT NOT MINES ... .. XXXX BANKRUPTCY ID # XXXX AND DUPLICATED OF VARIOUS OTHER ACCOUNTS REPORTED UNDER THE SAME AS BANKRUPTCY ... ID FRAUD ACCOUNTS " : BANKRUPTCY XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX , XXXX  XXXX , XXXX XXXX, XXXX/ XXXX, XXXX XXXX XXXX, XXXX XXXX  '' .. REMOVE ALL FRAUD ACCOUNTS FROM CREDIT FILE ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the loan on XX/XX/2019 and It was secured loan and I made 4 months of worth of payments and I paid it off on XX/XX/2019 and the company send me a check in the amount of XXXX and some change I called them and I ask them when they are gon na report to the credit bureau and they said in the first week of XX/XX/XXXX and so far it still shows in all three credit bureau I still owe this amount of XXXX and I paid it off early .. and disputed with the credit bureaus and it was denied within 2-3 days and im asking self lender to report my account as closed
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX BALANCED {$1200.00} XXXX XXXX BALANCED {$0.00}
Product: Debt collection

XXXX reported an alleged account from XXXX now known as XXXX. My first knowledge of this debt was via email from XXXX which I never gave authorization for them to use. I am victim of fraud, so I responded asking for the original attempt to collect a debt that should've been sent via mail. XXXX ignored my email replies and continued emailing scripted responses and harassing me via telephone. XXXX has now re-aged this account that was originally reported to the credit bureaus XXXX and XXXX with the first date of XX/XX/XXXX by closing this account as of XX/XX/XXXX and re-inserting it under a different name XXXX with a new date of first delinquency XX/XX/XXXX. This is a violation of the FCRA and my rights as a consumer. My credit report has been ruined which is causing hardship for me and my family. I will upload my police report and email exchanges with this company. I have also filed a complaint with the XXXX XXXX XXXX and the state attorney 's office.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding unauthorized credit inquiries made by : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my credit score and financial standing. I have contacted XXXX XXXX to address this matter but have not received a satisfactory resolution. I need XXXX wet signature applications and proof of authorization and consent. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these unauthorized inquiries and take appropriate action to ensure their removal and prevent further unauthorized activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I responded to EQUIFAX Hack by submitting my information to obtain promised credit file monitoring package from their TrustedID Premier program onXX/XX/XXXX. I received an email from Equifax stating that " We have successfully received and are processing your information. '' on XX/XX/XXXX. The next step in the process was to send me an email to finalize the enrollment and activate the product. I have checked my email daily for 10 days until XX/XX/XXXX at which time I called the Customer Service number. They were not able to give me any information except that their servers are very busy and could not indicate when there would be any response. I requested to talk with a supervisor who responded that I should call back and he rudely hung up on me.
Product: Credit card or prepaid card

I have been try to get a partial refund from a cruise that was canceled due to covid for 2 years carnival has proven the refund was sent the credit card company never released it to me. I called, then nothing. I called oh its not something we can see send a letter stating the amount the date the reason ok I did. Nothing call oh resend ok. Oh a manager will call back, nothing. 2 years of XXXX now they tell me oh you can only dispute for 2 months after the bill cycle. I didn't even know the refund was sent with the 2 months. I just want my XXXX refunded back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint against Experian Information Solutions Inc. and there is no third party involved. Experian Informations Solutions Inc. has inaccurate items on my credit file and I am attaching exhibits showing the inaccuracies for you to open.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally notify you regarding the outcome of a recent dispute I filed with XXXX regarding the account listed under the name " XXXX XXXX XXXX XXXX. '' After the investigation was completed by XXXX on XX/XX/year>, the account was deleted from my XXXX credit report due to its unverifiability. 

As you are aware, according to the Fair Credit Reporting Act ( FCRA ), all information reported to credit reporting agencies must be accurate, complete, and verifiable. Since XXXX has already determined that this account is unverifiable and deleted it from my credit file, I request that you take the necessary steps to update your records and remove the same account from your reporting system. 

The FCRA, specifically Section 1681i, states that if a disputed item can not be verified, it must be removed from the consumers credit report. Since XXXX has verified that this account is unverifiable and removed it from my XXXX report, the same must apply to your agency. 

Please update my credit report accordingly and ensure the removal of the account within 30 days of receipt of this letter. If this account is not deleted from your records within 30 days, I will consider all available legal remedies, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute inaccurate information, and I am entitled to have that information corrected or removed if it can not be verified. Furthermore, under Section 1681s-2 ( b ) of the FCRA, failure to correct or remove unverifiable information can subject you to legal penalties, including the right to sue for damages.

Please treat this matter with the urgency it deserves and confirm in writing that this account has been removed from your records. I expect prompt action within the 30-day window provided by law. 

If you need further documentation or information, please do not hesitate to contact me directly. 

Sincerely, XXXX XXXX
Product: Mortgage

My home mortgage was bought by Lakeview Loan Servicing. My monthly mortgage payment has increased by nearly {$300.00}. This increase, which has not been explained, is beyond my means to pay. I require a rationale for this unexpected increase & need to work with Lakeview on the payment. They are not accessible by phone or online. Their inaccessibility is has had a major impact on my finances, home ownership and emotional well being. Lakeview needs to be accessible to their customers.
Product: Credit reporting or other personal consumer reports

This marks the fourth time I am submitting a complaint, and I am following up to address the upcoming credit report update within the next 15 days. While I am grateful for the efforts made to remove some inquiries from my file related to the alleged identity theft, there are still remaining items that require attention. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report, specifically # XXXX. I would like to emphasize that the items in question are not associated with any transactions for goods, services, or money that I have either made or authorized. Therefore, I kindly request the removal of the following items from my credit file : XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX TRANSUNION XXXX XXXX DC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

Account Details Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$150.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX
Product: Debt collection

In XX/XX/2015 I went to the Emergency services at XXXX County Hospital to have an examantion of my hip after falling. I had xrays and consulation fromthe attending personal. I never saw a XXXX XXXX who put his name on my record. I had my XXXX card presented and a little later I got a notice that my Hospital had been paid by XXXX. Now just recently I had my credit report done and found a negative issue about an outstanding medical bill that was in collections. I went to the Hospital to investigate and found that my bills had been paid in full by XXXX. But there was one bill that was separate from their billing and it was from a XXXX XXXX. I found out that XXXX XXXX tired to bill my XXXX, but had waited to long in his request and XXXX refused to pay. Then he tried billing me at an incorrect address for the charges. As a results I never received any billing, because he was sending it to an address that I didn't live at. After never getting a repsonse from me her turned it over to a collection agency in turn reported it to my credit report as none payment. ( Paramount Recovery Systems out of Texas ) I reported my dispute with 2 Credit Reporting Agency ( XXXX  and XXXX ) and had the negative issue delete from my credit Report. 
I am waited for a response from XXXX  on my dispute. I would like this collection agency to stop reporting a negative issue on my credit. I feel it was not my problem that the Dr. failed to get his money, I sure XXXX would of paid his bill. In closing to the best of my knowlege I do not remember seeing this XXXX XXXX, and believe he tired to tack on his charges to my injury.
Product: Credit reporting or other personal consumer reports

I am submitting this formal request to dispute inaccurate credit information appearing on my report. As a survivor of XXXX XXXX, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have the following derogatory items removed from my credit file. 

The accounts in question include : 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 Balance : {$280.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Debt collection

I and multiple family members are getting harrassing phone calks from XXXX XXXX and collection agency they are using for an old car debt that happend 5-6 years ago. I was sick, had health issues, Lost my job, had to move in with multiple family members because I could not care for myself. I exhausted all the finds that I had for the vehicle which had several expensive problems over and over. With no income I could not keep the car. XXXX XXXX and its people have bern calling repeatedly ( auto dials back to back ) to my phone and family members too to the point that my cell battery is run down, the peole who have the debt now is calling my extended family members whom I NEVER listed on my credit application, many intimidating calls from many weird numbers, rude calls all day including early Sunday mornings, leaving notices in mailbox, had my bank acciunt and my daughter bank acvount freezed without warning. We could not pay urgent bills, and left without even {$1.00} for food. I can't pay for my needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have another mediation agrncy calling and harrassing me all day now too. I was NEVER served with court order before the freeze. My daighter is innocent. She had a highschooler checking account opend during highschool. Her money was wiped clean and account wrongfully frozen.The receiver mediator hired by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is harrassing me so much. I had to be sent home because I was mentally exhauseted, had XXXXXXXX XXXX had 3 day XXXX and in distress. XXXX XXXX bar card number : XXXX agency is causing sinmuch stress calling from multiole numbers even on both weekend days. I hsve not XXXX dollar to my name, can't pay for anything, and maybe losing my job because XXXX cant stay afloat. PLEASE SOMEONE DO SOMERJING WITH THESE PEOPLE! I have started receiving spam froend request from debt and credit people on social media suddenly back to back. My family don't deserve this harassment and neither do I.
Product: Credit reporting or other personal consumer reports

America 's First Credit Union is an esteemed credit union in the United States, unfortunately they are currently reporting on a ghost debt that was paid off in XXXX. This ghost debt is not only still on my credit report, but the company is now refusing to remove the negative marks and late payment history from my credit report or file for a recorded closed and paid off secured card, or tradeline as XXXX, the associate helping with the matter explained. Reporting on or trying to collect a ghost debt that is almost 7 years old is illegal and unlawful. The reporting of a ghost debt in the attempt to collect said ghost debt is illegal and unlawful and does not give creditors an accurate scope of my creditworthiness and instead muddies it up and I have to prove my merit to the creditor by disproving these vicious credit predators and their counterpart credit reporters! America 's first credit union, XXXX, XXXX XXXX and XXXX are all to blame on this ghost debt from XXXX still haunting my credit profile into XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}