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

On XX/XX/XXXX2020 I was notified that a fraudulent unemployment claim was filed in my name. I went through all of the dispute and protective steps to file a claim with all of the involved agencies. I also wanted to put a freeze on my credit with all three credit reporting agencies : XXXX, XXXX and TransUnion. I was successful on XX/XX/XXXX with both XXXX and XXXX but was locked out of TransUnion after not being able to answer their " out of wallet '' questions. I was unable to call them due to the time difference - I'm on the West coast. When I attempted to unlock my blocked account, the experience was extremely difficult and hard to find on their website. It is my experience that TransUnion is not client-friendly nor is their website easily navigable. They seem more interested in selling a monitoring product for {$24.00} vs. making it easy to clearly see a spot to freeze one 's credit. The difference in consumer experience between the other agencies and TransUnion is noticeable - enough that I would like to file this complaint against them formally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. 

I sent a letter to these agencies about a month ago and they still have an inaccurate item listed on my credit report. Please see the attachment for the details of the account still listed. PLEASE SEE ATTACHED. 
Your office is in violation of my consumer report given to me by Congress as a federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office ( Transunion, XXXX, and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove.
Product: Credit reporting or other personal consumer reports

I did not open the Verizon account on XXXX XXXX XXXX, NJ XXXX XXXX  XXXX I do not live there never did
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having serious difficulties with the 3 major credit bureaus, I sent out a letter disputing some inaccurate information on my credit report on XX/XX/XXXX. 40 DAYS GO BY AND NOT A SINGLE LETTER OR RESPONSE EVEN THOUGH I SENT CERTIFIED CAME FROM XXXX OR XXXX. XXXX decided to send me a letter asking if i was working with a " credit clinic '' WHICH IS ABSURD... 

So on XX/XX/XXXX I sent them another letter, and they still are not getting the picture that i am furious with how they are reporting on my credit report and damaging my name. They are not above the law and they need to sharpen up on thier FCRA LAWS AND DELETE THESE ERRONEOUS ITEMS
Product: Credit card

I am on fixed income my age is XXXX XXXX XXXX. I have been member of XXXX XXXX XXXX to pay off debts, still paying on some accounts which are not settled. My XXXX taxes are filed and accepted by IRS on XX/XX/XXXX. Yesteday XX/XX/XXXX I received XXXX from Comenity Bank XXXX XXXX XXXX XXXX settled XX/XX/XXXX for XXXX XXXX acct # endinf XXXX XXXX payments they were paid in full ( Comenity ) credit card. Now, they set me a XXXX for {$XXXX} for XXXX of XXXX. They were paid and I do not want to have to file this or revise my tax return. XXXX is being greedy. The reason to settle and get them paid off which was done. They are being Greedy. I am able to get ledger copy from XXXX XXXX XXXX showing the payments they agreed to. I want this XXXX cancelled and revision sent to IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to rectify this issue, including four prior attempts, these fraudulent items remain unresolved and continue to negatively impact my creditworthiness and financial stability. However, despite providing substantial evidence of the fraudulent nature of these items, the agencies have failed to take appropriate action to remove them from my credit file. The presence of these fraudulent items has resulted in significant personal and financial distress, including denial of credit opportunities, increased interest rates, and undue stress. It is imperative that the credit reporting agencies comply with their obligations under the FCRA to ensure the accuracy and integrity of my credit report. I respectfully request that you will help me to take immediate action to conduct a thorough investigation into the disputed fraudulent items on my credit file and promptly remove any items found to be fraudulent or unverifiable. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, AE XXXX XXXX XXXX XXXX DC XXXX XXXX  / XXXXI XXXX Balance Owed : {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

The debt was opened on XX/XX/XXXX. I put in a dispute on XX/XX/XXXX. The account was charged off. {$1900.00} written off. {$2300.00} past due as of XX/XX/XXXX. 

My dispute is this isn't me. My name is common and also I have been accused of my sister and fathers debt because we have similar and the same names. I don't believe that this is their debt but it has happened to me. This is not my debt. I don't use PNC bank. Please see about this
Product: Credit card or prepaid card

This is a continuation of former complaint ID : XXXX. After Barclays had credited all the fraudulent charges from XXXXXXXX XXXX {$850.00}, and given me a {$5.00} credit XXXX XXXX in their statement dated XX/XX/2021, I closed the account ending in ... XXXX, which Barclays acknowledge in a letter dated XX/XX/2021, and distroyed my card. I assumed at this point no further charges could be added, but yesterday, XX/XX/XXXX, I received a statement from them showing I owed {$170.00}, a {$180.00} fraudulent charge, again from XXXX XXXX, made XX/XX/2021, minus the {$5.00} credit. As I write this complaint, I have been on hold with Barclays for XXXX minutes. 

How do I fix this so I will get no further fraudulent charges and totally disassociate myself from Barclays and never hear from them regarding this account. This account and Barclays has tied me up for hours due to the bank 's incompetence in handling this matter and seemingly making it very difficult to report fraudulent transactions. 

Before completing this complaint, after XXXX minutes on hold, XXXX (? ) at Barclays agreed to have the charges reviewed for fraudulence. But I still want this followed up by the CFPB. Thank you.
Product: Debt collection

On XX/XX/2022, I XXXX XXXX sent Lendmark Financial Services LLC a billing error dispute pursuant to 12 CFR section 1026.13 ( b ), correction of billing errors pursuant to 15 U.S.C. 1666, and claim for credit balance pursuant to 12 CFR 1026.21, in the amount of {$6600.00} The correspondence I received back from XXXX XXXX, Associate Legal Counsel for Lendmark Financial Services LLC, had nothing to do with the information that I had requested. I requested documentary evidence of the original instrument of indebtedness, evidence that Lendmark Financial Services LLC owns the debt. I requested the license to collect a debt in the state of Virginia, I asked for evidence that the balance is a credit balance or a debit balance and adjust the account and billing statement in accordance with General Accepted Principles ( GAAP ) an/ or the International Financial Reporting Standards ( IFRS ) were applicable.Provide me with evidence that Lendmark Finacial Services are not creditors who have extended me my own consumer credit via the credit balance you have extended. And that you are indeed a debt collector who is collecting a balance due to the United States Dollars. And last but not least provide evidence that the amount which stated what is owed is not an obligation of the United States pursuant to 18 USC.section 8. All of my requests are noted in this communication. Also I need XXXX XXXX 's XXXX XXXX XXXX number to make sure she is not in violation of fraudulent misrepresentation of a government official.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claims. These are not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX XXXX they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and dated last reported in not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Tha items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX FM XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXXXXXX Balance : {$4800.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX Balance : {$630.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/XXXX called XXXX to confirm an potential order placed would arrive by XX/XX/XXXX XX/XX/XXXX XXXX  rep confirmed deliver in 3-7 days by phone XX/XX/XXXX placed ordered monoscope for Christmas gifts XX/XX/XXXX order charge to my Capital One Card XX/XX/XXXX XXXX  provide order # XXXX XX/XX/XXXX to XX/XX/XXXX made 7 documented requests for a tracking number XX/XX/XXXX XXXX said was packed and sent to courier ( documented from XXXX  ) XX/XX/XXXX No tracking number, XXXX committed to provide tracking # in 48 hours XX/XX/XXXX No tracking number after 48 hours XX/XX/XXXX Consumer cancelled order ( documented from consumer to merchant ) XX/XX/XXXX Filed dispute with Capital One XX/XX/XXXX Filed complaint with Virginia State Attorney General case # XXXX XX/XX/XXXX Filed complaint with Consumer Affairs, case report # XXXX XX/XX/XXXX Filed complaints with XXXX XXXX XXXX, XXXX confirmed receipt XX/XX/XXXX Filed complaint with FTC confirmation report # XXXX XX/XX/XXXX Capital One correctly removed all 3 charges related to this purchase XX/XX/XXXX XXXX  shipped items ordered via XXXX with XXXX tracking # XX/XX/XXXX Consumer accessed XXXX and completed an online redirect to sender XX/XX/XXXX Confirmation of the XXXX redirect was printed by consumer XX/XX/XXXX Capital One issued a letter stating the charges will be " reapplied '' XX/XX/XXXX Consumer opened a dispute case with Capital One XX/XX/XXXX Online Case link was provided by Capital One to Consumer XX/XX/XXXX Consumer provided purchase receipt of XX/XX/XXXX, cancelation of XX/XX/XXXX XX/XX/XXXX Consumer provided document confirming XXXX  XX/XX/XXXX shipping XX/XX/XXXX Consumer received the items ordered in the USPS residents mail box XX/XX/XXXX Consumer requested merchant provide a postage paid return label XX/XX/XXXX Merchant Refused ( merchant responses are in writing ) XX/XX/XXXX to XX/XX/XXXX Consumer evidenced order was cancelled PRIOR to shipment XX/XX/XXXX Merchant offered 20 % on the items or return at consumer expense XX/XX/XXXX Consumer Returned via USPS priority sent return receipts to Capital One XX/XX/XXXX Consumer Sent Return Confirmation and USPS receipt with tracking # XX/XX/XXXX Capital One and Merchant USPS tracking documents were sent online My complaint is that a merchant can ship AFTER an order is confirmed as cancelled under all the above circumstances AND charge the consumer to be burdened with the expense of the return. This is clearly an unfair and deceptive business practice. Therefore, I am filing this complaint. In addition I offer support and participation of any class-action suit against, XXXX, and or their affiliates for damages should such a case be brought before XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A little over two years ago, I turned in a vehicle that I had financed due to financial difficulties. ( Voluntary repossession ) Later on that year which was 2020, the finance company charged off the debt and it says so on my report. However they are still adding negative remarks every single month without fail making my credit suffer needlessly. I thought once charged off, the company couldn't still do that ; adding to a growing balance The people working there are very rude and it feels like it's personal.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is a violation of the FCRA Section 623. Each Bureau is reporting different date opened, and high credit, and date last active, and date of last payment this is a violation. This account has many errors/inaccuracies does not meet FCRA. Each bureau is reporting different date last active terms and a collection account should not report a late payment this is a violation of FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXXDetails Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account
Product: Consumer Loan

I took Loan out on XXXX XXXX with Condor capital to purchase a XXXX XXXX. 
It was my understanding that it was a 48-month loan, and my original Payment was {$490.00}. 
The original car was approximately {$22000.00}. I had consistently paid the {$490.00} which was approximately $ XXXX year. Earlier Last year I had a hard ship where I had missed payments, I then made payment arrangements that caused me to pay a lump sum of {$4100.00} which was supposed to be all my back payments with interest and penalties. I then went back to making monthly payments. Then I got a letter, followed by a call that the account had been transferred to XXXX XXXX, and was then said to be in arrears again. In which case I sent via XXXX XXXX {$1200.00}, thinking maybe the original issue was not totally rectified. Again went back to making monthly payments. In XXXX of this year again the company started to say I was in the arrears. However, this time I asked for a statement of account and my original contract which I have yet to receive but they came and repossessed my car XXXX/XXXX/XXXX. 
Before I pay any further I want to know that this is in fact my obligation, and I do not want it to adversely impact my credit. I also now do not have my vehicle and was told that each day they have my car I am going to incur a garage fee. 
I researched the company and see that the original company has a financial Injunction for unfair credit processes in New York. I also, believe that is why they stated they sold the contract to the second company which is now in California, but the name suggest they are clearly affiliated.