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

I filed bankruptcy on XX/XX/2018 and it the US Bankruptcy Court discharged it on XXXX XXXX. XXXX and XXXX have correctly reported my bankruptcy and subsequent dates. However, Transunion is refusing to update my credit report to show that I have a discharged bankruptcy. So, my debt that was included in my bankruptcy makes it appear that I have a pending bankruptcy that has not been discharged. I have sent Transunion the discharge from the US Bankruptcy Court along with a bunch of other documentation and they still refuse to update my credit report more than a year later. 

Their only response to me is that my information was included in the court information received from their vendor. They will not provide the name of their vendor to me so that I can speak to them directly. They will not fix my credit report with the information I have supplied. They told me to speak to the court, which I did and was told that they do not send anything to the credit bureaus, but that I can be assured that my information would have been included to any vendor that receives updates from the US Bankruptcy court. 

I need help fixing this ASAP. This is my second attempt with your company to get this done. The first time you just responded that I would hear from the credit bureau, which I did, but received ZERO resolution ... just the same tired response that their information is accurate, which it 100 % is NOT!!! 

I need you to actually assist me this time. This has gone on far too long. The other credit bureaus are reporting correctly and Transunion needs to do the same.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , XXXX Credit Reporting Agency and XXXX Credit Reporting Agency 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 XXXX on XX/XX/XXXX under the account number XXXX, XXXX on XX/XX/XXXX under the account number XXXX, XXXX on XX/XX/XXXX under the account number XXXX. An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and XXXX fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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: Debt collection

Kinsmith Financial has repeatedly called me and texted me trying to collect a debt owed by XXXX XXXX. I have never heard of this person, and told them as much on the phone at least 3 times and by text once. Nevertheless, they have called 40 times since XXXX XXXX XXXX from the number XXXX XXXX and have texted me 6 times from XXXX. Complete list of dates is below.

Calls
- 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
Product: Credit reporting, credit repair services, 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. Act Name : XXXX  XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. 
To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following charged off account : XXXX XXXX XXXX - XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX/XXXX/ XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since this account is being charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. 
As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. 
Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. 
Thank you for your attention to this matter. 
Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Product: Payday loan, title loan, or personal loan

When I first purchased my vehicle on XX/XX/XXXX, XXXX XXXX XXXX financed my vehicle. My car was priced at {$7700.00} and with interest it came to a total of {$11000.00}. I paid my car payments every month at {$300.00}. By the end of XXXX, I decided to start working towards buying a house and got in contact with a lender. The lender told me in XXXX that in order for me to buy a house, I would need to pay something off on my credit. In doing so, I found OneMain Financial where they said they would pay off my current balance with XXXX XXXX which was {$6100.00} on XX/XX/XXXX. The loan I asked for from OneMain was {$3500.00} and was approved with that pay off. Because they paid off what was still owed on my vehicle, on top of my {$3500.00} loan the interest was set at 29.08 % making my TOTAL loan amount {$9400.00}. My monthly payments are {$290.00}. After making XXXX payments to the total amount, I realized my balance was not going down at the right amount. As of XX/XX/XXXX, my balance is at {$9300.00} still! I called on XX/XX/XXXX for an explanation as to why my payments are not being applied to the balance and OneMain claimed it was thew interest. The interest was already applied at the beginning of the loan so when I explained that to them, they said they didn't know but that was my current balance anyways. I, then, asked for my contract that I signed for the loan back in XXXX and I was told that they were not allowed to send me that contract in any way and that the only time I was able to access it would have been the day I signed the loan. So, a refusal of a contract I signed and an explanation as to where my money is going were not given to me by their choice. I let them know I would get in contact with a lawyer since neither one of those could be given and that these were consumer violations. I also was told that if I wanted to pay off the vehicle NEXT YEAR of XXXX, the amount would STILL be {$10000.00} which does not make any sense mathematically!
Product: Credit reporting or other personal consumer reports

I have an account my credit report named XXXX XXXX XXXX only credit my report that was removed prior by the credit bureaus. However, it has reappeared on my credit report. I have sent a letter to all 3 credit bureaus certified mail to get them to remove the derogatory remark, the credit reporting agencies have not responded. It has been over the 30 day validation period and I still have not received a response.
Product: Credit card

Each time I attempt to log into to Chase.com to pay my credit card ( now three months in a row ), they state that my info is not in their records. I am required to submit info again to get a text message and reset my password. I follow that step and pay, log out, and then log in again and the same thing happens with the new password. This is a 0 % balance transfer card and I believe they are trying to inhibit me from paying by the due date in hopes I will forget or miss the deadline so they can begin charging interest. I have been quick enough to reset days in advance but almost forgot because it takes XXXXXXXXminutes to go through this process.
Product: Debt collection

I contacted ERC XX/XX/XXXX for debt verification after inaccurate information appeared on my XXXX  credit report. I informed them that I lived in XXXX and that I was unaware of the debt nor had I received written communication regarding the debt. I informed ERC that I was willing to pay the debt if the item was deleted from my credit report to which they refused several times. I spoke with 3 different supervisors XX/XX/XXXX and XX/XX/XXXX all of which refused to remove the inaccurate information from my credit report. 

I contacted the original creditor XXXX XXXX XXXX to inquire about the debt. I was informed of the balance owed and date of first delinquency. The information reported on my XXXX report from ERC is time barred since the date of first delinquency with the original creditor is XX/XX/XXXX. ERC is reporting a date of first delinquency of XX/XX/XXXX and a removal date of XX/XX/XXXX which is inaccurate. Furthermore I never received written communication from XXXX XXXX XXXX nor ERC that a debt was owed and thus was unable to rectify nor dispute it.
Product: Debt collection

I don't know who this Company is and why they are stating that owe them {$960.00} dollars. I've never agreed with AD ASTRA RECOVERY SERVICES with any type of contract that I owe them any money or I have a debt balance with them. I need proof of original contract with my orignal signature, date I first I signed contract and open contract, detail dates of payment/itemized sheet history. Also, if their company have license to collect debt in the State of Texas
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries on my credit report. I sis not authorize the following inquiries : 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 inquiries were made without my knowledge or consent, they are negatively impacting my credit score. I request that you investigate this matter and remove these inquiries from my credit report. You will see attached a copy of my credit report as well as a copy of my FTC Identity Theft Report.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 has violated my rights. 

EQUIFAX 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 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. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my report today and I noticed some inquiries that Im not aware of XXXX  Card XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XX/XX/2020 XXXX  Anything reporting inaccurate on my report that has nothing to back it up should be removed immediately because of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently made a complaint to CFPB against American First Finance regarding inaccuracies on my credit report. I was contacted by the agency prior to filing the complaint they let me know of the mistake on their end and offered me a refund of the last payment made on the account as a courtesy. I was told the credit report would be updated to state the account was paid in full with a zero balance and that no further action from me was necessary. That is not how the account is reporting. It is reporting there is a balance of {$220.00} and that the account is closed and was charged off as a bad debt. I have attached a screen shot of what is being reported as well as a letter from the company themselves from the last complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CARD XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law these accounts must be updated or deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification of the information that XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2014. However I have yet to receive a copy of an Agreement that I signed.
Product: Debt collection

I have never had an account with XXXX I checked my credit report and disputed this item and the item came back as verified, which is impossible considering I have never had an account with XXXX. I would like to know how this information was verified and who was spoken to, in order to verify that this debt belongs to me. This is a blatant disregard of my rights as a consumer.
Product: Credit card or prepaid card

XX/XX/XXXX, received the following from Amex : '' Due to your intention to file for bankruptcy the Amex accounts listed above have been cancelled. '' If they check their phone logs and chats, Amex would have realized this was an erroneous statement. The letter I have written in repy follows : Credit Manager According to a form letter, XX/XX/XXXX, you have canceled my accounts based on My intention to file bankruptcy. If you check your recorded logs of the numerous phone calls, and online chats with your low-level credit collectors, I  repeatedly requested that my accounts be escalated to a supervisor to work out a settlement or reasonable payment schedule. I indicated I would prefer to work out an agreement, rather than file for bankruptcy. 

These collectors only had the authority to offer the standard $ XXXX per month on each card. I had hoped that an Amex executive with administrative and credit authority could work out something that consolidated the debt on both cards and set up a realistic payment schedule that accommodated my age, XXXX, and my current financial situation, social security as my only certain source of income. 

I am sorry that you took bankruptcy as a statement of fact rather than an option. I also stated that at my age and with the threat of the virus, death could be an option. I do appreciate you did not take this as fact and address your letter care of my estate. 

I believe Amex is non-compliant in cancelling my accounts on my supposed intent to file for bankrupcy, and to advise me to write to a PO box ( which does not accept certified mail ) and no named individual to  write for questions.
Product: Credit card or prepaid card

CapitalOne offers disbursement of cash back rewards in the form of mailed checks. I have twice requested, and never received, a cash back reward check from them, although I have waited the 2-3 weeks they say it will take the check to arrive each time. On XX/XX/18 I requested the first check. I never received it, so on XX/XX/18, I asked that the check be canceled. On XX/XX/18, I requested a second check. I have not received that check either.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$1300.00} XXXX C XXXX {$320.00} XXXX XXXXXXXX {$9800.00} XXXXXXXX XXXX XXXX {$270.00}
Product: Checking or savings account

BBVA was supposed to transition all of our Simple accounts over to BBVA so we could access them Saturday morning, but their site crashed and locked everyone out, and now they aren't answering their phones or sending emails or other communications about my money, and I can't view how much money is in my account or access it. They haven't sent any emails about it and the only way I can find anything out is on XXXX, and they only rarely post there. As of yesterday I should have about {$340.00} in the account but I can't see if any transactions happened or any money was taken out or added.
Product: Debt collection

I filed for a tax return around two or three years ago I don't remember the actual date but I filed my tax return through XXXX XXXX XXXX. I didn't get a warning or info of what the Dept collection was. They just took half of my taxes without even letting me know why. At least they presented themselves as Coast Professional Inc and that they work for the IRS debt collection and that they took {$700.00} out of {$1400.00} it really affected me because I had plans and they just surprised me out off nowhere.
Product: Credit reporting or other personal consumer reports

I recentlly reviewed a copy of my credit report and noticed I had fraudulent account in my report.Please remove those account from my report they are hurting my ability to obtain credit. XXXX XXXX XXXX XXXX XXXXXXXX