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

I have put fraud alert on XX/XX/XXXX after I notice there are several inquiries and one personal loan from PNC Bank was showing under my credit profile. I have called PNC on XX/XX/XXXX and XX/XX/XXXX. PNC bank representative said they will investigate and will inform me regarding this issue. But they have never responded. After this I have sent PNC bank several letters via certified mail ( which I do have proof ) to correct this information that is being reported to all three major CRAs but still they never responded. 

I have also contacted all three CRA 's regarding this issue but still no resolution. I really need your help to resolve this issue and to remove delegatory information from credit profile. I have also reported to FTC ( Report # XXXX ) regarding this matter. 

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

I'm writing to complain about my XXXX Account ( # XXXX ). The issue is credit reporting on loan sequence XXXX & XXXX. On XX/XX/2019, I spoke with XXXX  XXXX. I learned that XXXX XXXX already sent the electronic loan sequences supposedly to each of the bureaus to be reinstated. Today, I learned by speaking with XXXX and XXXX  that the information is still not reinstated on my file.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX - Opened On XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened On XX/XX/XXXX Account Name : XXXX XXXX XXXX Opened On XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recieved a notice from a collection agency that I owed {$12000.00} for breaking my lease with an apartment complex. I am XXXX XXXX XXXX and have not lived in an apartment for 40 years. The collection agency sent me a copy of my name and address and signature. While the address was correct the signature did not come close to matching mine. I sent them a number of papers with my notarized signature on it telling them it was not my signature. They sent me a letter requesting a copy of my drivers license and social security card which I felt was not appropriate. They then sent a letter denying my claim and posted this debt on my credit rating with various agencies. I have 45 years of a blemish free credit that has now been damaged by a company that has no idea what they are doing. The company name is Hunter Warfield, XXXX, Florida.
Product: Credit card

Citibank and XXXX XXXX XXXX Credit cards have been charging me interest and fees on a BALANCE TRANSFER I DID NOT OPEN. I have made several complaints to the CFPB, FDIC, Comptroller of Currency, and Ombudsmans office as well. This is messing up my credit, costing me thousands of Dollars and causing me mental anguish! Im sending the original complaint with the CFPB. Along with several credit card statements proving the trail of fraud XXXX and CITIBank have been perpetrating against me since XXXX XXXX XXXX. XXXX was found guilty of major fraud against their customers this past XXXX in a federal judgement. I am just another victim in their fraudulent dealings! I need someone to help me please!
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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
Product: Debt collection

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a separate complaint from a separate company. As a complaint against a separate company, it should not be closed out. 

This firm represents the claimant. XXXX reported the account delinquent but subsequently processed a letter stating otherwise. While the CFPB submitted the complaint to XXXX and XXXX, Equifax ( a separate company entirely ), has not removed the error. Has refused. 

Request is made that the CFPB initiate an investigation as to why Equifax has not cleared the showing of late payment in XX/XX/2022 on XXXX XXXX XXXX XXXX XXXX ) credit report. 

Documentation is attached proving the lifting of the issue. 

XXXX XXXX, XXXX. 
XXXX XXXX of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you regarding several issues with my credit report, including incorrect account entries, an unrecognized collection, unauthorized credit inquiries, reporting inaccuracies, and billing errors. I would appreciate your assistance in resolving these matters to safeguard my financial well-being.
Product: Payday loan, title loan, or personal loan

They are targeting my XXXX old child for preapproved loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

After obtaining a copy of my credit report, I exercised my right under 15 USC 1681I ( 5 ) to request that the credit bureaus verify the accuracy of the information contained within it. Despite waiting for 30 days, the results of the investigation remained unchanged. The consumer reporting agencies, including XXXX, Experian, and XXXX, did not modify or remove any information from my report. 

I have identified several inaccuracies within my report, including the incorrect date open, date last active, and date of last payment. These errors constitute a violation and are preventing me from being able to purchase a home. The impact of these inaccuracies on my credit report is significant, and I am requesting that the credit bureaus take immediate action to correct these errors in accordance with the law. 

XXXX XXXX POTENTIALLY NEGATIVE XXXXXXXX XXXX  POTENTIALLY NEGATIVE XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE XXXX XXXXXXXX POTENTIALLY NEGATIVE XXXXXXXX DPT EDXXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX DPT EDXXXX LATE PAYMENT XXXX XXXX Balance {$2600.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Debt collection

I owed the original debt to XXXX and fell behind due to the loss of my job. XXXX sold the debt ( approx. {$500.00} XXXX to Portfolio Recovery Assoc ( PRA ). PRA then contacted my husband and discussed the debt, amount, and status of the entire account with him. My husband immediately called and told/asked me about it. I contacted PRA and XXXX to demand my debt be dismissed and removed from all credit reports due to them violating the law because I never gave permission to discuss anything with anyone. They did dismiss the debt but did not remove from my credit report. To this day it still shows and I have disputed it on numerous occasions without resolution. I have been fighting this battle for over three years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made contact with Expiran, XXXX  and XXXX  and investigations are in place. Expiran refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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, U S DEPT OF ED/XXXX XXXX XXXXXXXX AND 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I am writing to bring to your attention a pressing matter that requires your urgent assistance. Several accounts listed on my credit report are inaccurate and have been negatively impacting my creditworthiness. Despite my best efforts, I have been disputing these inaccuracies by mail since XXXX, but to my dismay, the issue remains unresolved as we now find ourselves in XXXX. 
The presence of these inaccurate accounts has had severe consequences on my financial standing, affecting my ability to secure loans, obtain favorable interest rates, and even impacting my job prospects. I firmly believe that these errors are causing undue distress and are not reflective of my true credit history. 
Throughout the past several months, I have diligently followed the necessary dispute procedures and provided all relevant documentation to substantiate my claims. However, it seems that my efforts have not yielded the desired outcomes, leaving me frustrated and discouraged. 
I kindly request the CFPB 's intervention to expedite the removal of these erroneous accounts from my credit report. I have retained meticulous records of my correspondence and can furnish any additional information you might require to facilitate the investigation process. 
Your support in resolving this matter would be immensely appreciated, as I am eager to restore the accuracy and integrity of my credit report promptly. Please let me know if there are any further steps or documentation I should provide to expedite the resolution process. 
Thank you for your attention to this critical matter, and I eagerly await your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiries have six inquiries on my credit report. 

XXXX. XXXXXXXX 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: Checking or savings account

I am a  XXXX  Veteran who is on a fixed income. I have been a member of  USAA  for over 10 years and the level of service and malice to the   XXXX   XXXX  community  and veteran community should be widely addressed. I have never had an issue with them until recently when my monthly deposit was made to the account and I was unable to retrieve my funds. Without warning of written notification, my account was locked due to me owing them {$35.00} in my savings account, which I was unaware of but would have gladly rectified earlier on if I knew it existed. So to my surprise when I called to get the matter handled I was told that I have to w ait 3 business day s in order to use, withdraw or pay any bills from this account. No matter how far up the chain of command I went even to the point of tears. No one can help me. Its set in stone the computers would not allow them to override it. I express to them that this is all the money that I have and that I have my monthly bills coming out of this account, so I asked them, will the checks that are about to hit my account cause my account to be overdrawn and will I be charged for it? and the answer was unfortunately yes. I even offered to make the {$35.00} deposit at a branch if that would speed up the process. And was told that I would still have to wait th e 3 bu siness days. I ca n't believe that a bank is allowed to freeze your monies in another account based off you owing in another??? is n't that what  XXXX   XXXX  just got penalized for their debt collection practices? As to date I was told to  wait the 3 working days, which today is Friday and does n't count, in order to retrie ve my funds. Ohh I was told an alternative was to open a credit card account with them and that can get me money faster.
Product: Checking or savings account

Some of the transactions on my account are being processed twice. Its very random and not all transactions. For example a transaction posted today for {$46.00} from XXXX and it was subtracted twice from my funds. I had a transaction last week from XXXX last week when I went grocery shopping and it processed twice. My paycheck was deposited today and Im hesitant to pay bills because I do not want to risk the transaction going though twice. Ally bank does not respond to messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to cosign a vehicle for my sons XXXX birthday. As my credit got pulled the salesman told me my credit was to low. I asked him to show me my report and I saw many items that is not mine. I then pulled my credit to myself to double check the unknown suspicious items and these fraudulent items on my report are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$830.00}
Product: Checking or savings account

I have my debit card used by someone other that me at least once a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter and tried calling about getting these inquiries off my report that i did not authorize and i get the same response " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' but when i contact the creditor they tell me to contact transunion i just want these inquiries removed According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. 

the inquiries i dont recognize are below along with the dates i would like them removed XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

XXXX had a contract with me and a ruling was if a move a particular radius of miles away, i can cancel the membership. I have moved from XXXX to XXXX and provided sufficient proof of move by sending them documentation of my new address, they still attempted to collect the money first because they wanted me to pay more months that i did n't owe after closing the account and later they told me they did n't get the proof and when i provided them with documentation that i did, they changed their argument to my proof of address was submitted to late. A year later i had contacted them again and they had come up with not ~ {$300.00} anymore but ~ {$2300.00}. I do n't believe i even owe them the first amount because the contact was set that if i move, i can cancel the membership and i did everything accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. 
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 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX WAS SETTLED OUT OF COURT AND TRADELINE WAS SUPPOSE TO BE REMOVE FROM XXXX AND XXXX. ( SEE ATTACHED ) ALSO, VIOLATED T.C.P.A. VIOLATIONS CALLING MY HOME AND CELL NUMBER AFTER SENDING CEASE AND DESIST ETC..
Product: Mortgage

For about 6-7 weeks now I have been unable to access my account online. I have made ~5 calls to get this resolved. Every time I go through the same repeated steps with the customer service rep ( reset password link sent, erase cache on browser, etc. ). I have explained NUMEROUS times that it does not matter what browser I use or if I use their APP, I get the same error message " Unable to Sign In. '' After several minutes on the phone, I finally convince the CR to send a message to IT. Several tickets have been created, with promises that IT will get back to me ( via email message. ) In XXXX weeks, NOTHING. No messages from IT, no resolution from IT. The last XXXX payments I've had to make on the telephone, which I do NOT want to continue doing. a new payment is due and I still have not had access renewed online. They have had 0ver 6 weeks to take care of the problem.
Product: Credit card

A customer was unhappy with a ring I made for him and filed a chargeback with Amex. They took my money away and let the customer keep the ring. 
It is the customer 's fault he does n't like the ring. I told him that the ring needed to be wider than he wanted it, but I made it the width he asked for anyways. He approved my XXXX renderings of the ring and saw pictures of it before making the second payment. He also chipped a stone after wearing the ring for a month. So how does AMEX think it 's ok to take my money and let him keep the ring? 
I have email trails of all of this.
Product: Debt collection

The debt posted below and attempt to obtain pass due balance is false. I notified the company that the debt does not belong to me. To please send proof of any debt or validation with my signature. I have yet to received any information. I am asking for the company to remove the debt and have no further communication with me going forward. The debt does not belong to me. I no valid contract with the creditor " No Contract '' I am not legally responsible for the seeing as it does nit belong to me. 

When speaking with the CSR i was told they may not be able to obtain any original record for my viewing to prove and validation that the debt belongs to me. I have yet to have any mailing response. 

Please remove all false attempts to collect debt. I have reached out to XXXX to remove the fraudulent information. 


DEBT RECOVERY SOLUTIONS , LLC Last reported : XXXX XXXX, 2017 - {$980.00} Needs Attention Overview You 've paid off 0 % of your collection amount. 
Balance {$980.00} Highest Balance {$980.00} Opened XXXX XXXX, 2017 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Medical Collection account Original Creditor Name XXXX XXXX XXXX XXXX See an error? 
You could dispute an error with XXXX. 


Creditor Information DEBT RECOVERY SOLUTIONS , LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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} 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 or other personal consumer reports

I have not initiated any transaction or relationship with the aforementioned creditor on the mentioned date. As a diligent consumer, I consistently monitor my credit report and ensure the accuracy of its contents.
Product: Checking or savings account

I am a small business customer with Capital One Bank. 
We use mobile deposits daily. 
On XX/XX/XXXX, I made two mobile deposits, one for {$230.00} and the other for {$300.00}. 
The mobile app notified me afterwards that I had over {$11000.00} remaining before I reached my mobile deposit limit. I did not make any further mobile deposits afterwards. 
I attempted to make mobile deposits on XX/XX/XXXX and a notification appeared indicating that my Mobile Deposit Limit had been reached. 
This problem had existed before. When I contacted the bank, they refused to explain why this was happening. Customer representatives as well as supervisors were not helpful and in fact one gentleman simply hung up on me.
Product: Debt collection

XXXX XXXX XXXX XXXX is currently reporting on my Equifax credit report an account that is not valid. Attempts to dispute the count with Equifax and directly with the company have resulted in negative results and the account remaining on my credit report.
Product: Credit reporting or other personal consumer reports

I am upset because Equifax, XXXX, and XXXX continue to report chargeoffs on my consumer report that is considered income per the IRS. CONSUMER REPORTS ARE NOT SUPPOSED TO REPORT INCOME, per FCRA. ITS the law!

Per IRS Publication 4681, Cat. No. 51508F " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' Equifax, XXXX, and XXXX continue to report this inaccurate information, which is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as furnishers of information. 

They have caused me and My family suffered severe harm due to their negligence and inaccurate reporting. 

I emailed the CEO of the creditors and received calls back from their collection departments, who all said the same thing : they have written the debts off. its up to me to follow up with the consumer reporting agencies and IRS.
Product: Debt collection

XXXX and XXXX placed a collection on my credit report in the amount of {$190.00}. I never received a written notice about this debt to dispute it.