23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for an Amex Gold Business credit card. The promotion stated spend {$5000.00} within the first three months and receive XXXX bonus points. I did that. Its been six months and I havent received the bonus points. I received this card in XX/XX/XXXX. I spoke to a rep from Amex in XX/XX/XXXX. She told me she was going to open a case and I would receive my bonus points within 6 weeks.
Product: Debt collection

The collection company in question, DIVERSIFIED CONSULTANT, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX - is collecting a debt on behalf of the original creditor, XXXX XXXX, in the amount of {$830.00}. The open date listed on my XXXX  credit report is XX/XX/XXXX which is incorrect. I was living and working abroad in XXXX XXXX during this time and the XXXX network is not even available in this country. I have a job offer letter to that proves this timeframe. However it is listed as a recent collection on my credit report which has caused me to be denied a startup business loan from XXXX, a lender out of XXXX XXXX XXXX, UT, which reported they checked my credit report and it showed this XXXX account as a new collection as of XXXX, XXXX, XXXX. I had the same issue with this account being listed on my XXXX credit file in which I disputed it and it was removed. I tried disputing it on XXXX, but it did not get removed. This is false reporting by this collection agency and they re-aged this account after acquiring it from another collection agency in an attempt to hold on to the account longer than the statue of limitations for the state of Alabama, which is my legal residence allows. This agency has not contacted me or attempted to contact me in any way. This negative posting on my credit report has caused a hardship in that it has denied my family the chance to move forward with a business venture that would tremendously improve our economic standing and provide a quality service for the community.
Product: Credit reporting or other personal consumer reports

Hi Madam/Sir This Complaint are against XXXX. I had pull a Credit Report and noticed that ; XXXX - XXXX XXXX show XXXX XXXX bankruptcy discharged ( the payment plan with creditors were completed ) within updated date XX/XX/2023. 

I was not approved for an Amazon StoreCard on XXXX by Synchrony Bank based on information from XXXX, " Bankruptcy proceeding, credit counseling or creditor settlement '', well, this phrase are present sentence! Looks the XXXX representative should always read and share the correct information on records to Synchrony Bank or any other Credit Institution. I believe my Credit were affected. 

Honestly I don't know what actions CFPB can or may do against XXXX, one thing I wish are XXXX to become more careful sharing information. 

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

XXXX XXXX XXXX XXXX XXXX
is reporting incorrect information on my credit report just because my maiden name was XXXX.. That does not mean this debt belongs to me and I have requested on 3 occasion to have this information removed from Transunion, XXXX and XXXX, these accounts were previously deleted because another collection agency was reporting in error also(XXXX XXXX XXXX) and the debt was not able to be validated because I did not recieve these service, There was an apartment in my name in another city that I am fighting because I did not authorize nor does it match my social so I filed a Identity Theft report with the federal trade commission and REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CREDIT FILE.

COLLECTIONS
XXXX XXXX
Opened XX/XX/XXXX
-
$XXXX
Original creditor: XXXX XXXX
Overview
You've paid off 0% of your collection amount.
Balance
$XXXX 
Highest Balance
$XXXX Opened
XX/XX/XXXX (3 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name XXXX XXXX
See an error?
You could dispute an error with XXXX.

GO TO XXXX
Creditor Information
XXXX XXXX XXXX XXXX XXXX XXXX
Opened XX/XX/XXXX-
$XXXX Original creditor: XXXX XXXX
Overview
You've paid off 2% of your collection amount.
Balance
$XXXX 
Highest Balance
$XXXX Opened
XX/XX/XXXX (2 mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name XXXX XXXX See an error?
You could dispute an error with XXXX.

GO TO XXXX
Creditor Information
XXXX XXXX XXXX XXXX 
Certified
Opened XX/XX/XXXX
$XX/XX/XXXX
Original creditor: XXXX XXXX XXXX XXXX Overview
You've paid off 0% of your collection amount.
Balance
$XXXX
Highest Balance
$XXXX
OpenedXX/XX/XXXX (4 yrs, 9 mos)
Account status
Open
Type
--
Responsibility
Joint
Remarks
Consumer disputes - reinvestigation in progress
Original Creditor Name
XXXX XXXX XXXX XXXX 
See an error?
You could dispute an error with XXXX 

GO TO XXXX
Creditor Information
XXXX XXXX XXXX

the collection agency said he did receive my identity theft report from the federal trade commission see email
On Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX  wrote:


I got it.

Thank you,
XXXX XXXX XXXX Collection Manager
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

This is an attempt to collect a debt and any information obtained will be used for that purpose.

This message and its attachments may contain confidential and/or legally-sensitive information that is intended for the sole use of the addressee(s). Any unauthorized review, use, disclosure, or distribution of the information contained in this message and its attachments is prohibited. If you have received this message or any of its attachments in error, please destroy all originals and copies of the same and notify the sender immediately.


-----Original Message-----
From: XXXX XXXX  [XXXX] 
Sent: Wednesday, XX/XX/XXXX XXXX XXXX
To: XXXX XXXX XXXX XXXX XXXX 
Subject: RE: Out of Office Alert

Please acknowledge you received my fax
Product: Consumer Loan

Returned vehicle on a lease. Before returning the vehicle I had it gone over by a licensed auto body tech. XXXX dollars spent on nics and scratches. After vehicle was returned I received a bill for {$400.00} for scratches on the car.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I noticed some unauthorized accounts on my credit report that I did not benefit from. I need these fraudulent accounts removed from my entire credit reports from all three bureaus. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX I paid XXXX or more on account and they dropped my limit. Next month I paid another XXXX plus and they dropped again. I pay everyone on time and never late. I explained that XXXX had billed me incorrectly during XXXX and was being resolved because my score had dropped with this issue at the time. I also feel Transunion is reporting inaccurately my score, it is XXXX points lower than XXXX XXXX XXXX. The other issue is if I use {$300.00} in the card they drop XXXX points. When I pay the same amount back or more, they raise XXXX point, why?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are falsely reporting late on the DEPT OF ED/XXXX and DEPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 4 and 5 of the attached credit report. My child was a XXXX in XX/XX/2015 and these student loans should have been deferred. Please remove these line items from my credit report. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing this letter to inform the Consumer Financial Protection Bureau of a repeated violation of my right under the Fair Credit Reporting Act and the laws which is governed by both the State of Nevada and the Federal government with regards to both a previous and current credit dispute. Equifax submitted a previous credit dispute on my behalf asking the creditor also known as ( XXXX XXXX XXXX XXXX ) to investigate account ( XXXX ) for inaccuracies which the account was investigated and deemed accurate. However I recently reviewed the account for errors and inconsistences and found that ( XXXX XXXX XXXX XXXX ) has several months of credit data which is still reporting inaccurately I have listed those months in question for your review. The months are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As you can see by the document I which I have attached, XX/XX/XXXX ( 60 days past due ), XX/XX/XXXX ( 60 days past due ), XX/XX/XXXX ( 60 days past due ) and XX/XX/XXXX ( 120 days past due ). There are also several months whereas no data was entered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And last but not least, although this account has been charged off and closed, it is still reporting a balance and past due amount and has consistently reported charge off after the closed date which is showing up as a new charge off each month on my consumer credit report since the month it was reported as closed. These inaccuracy continues to further damage my consumer credit file on a month by month and year by year basis. Equifax/XXXX XXXX XXXX XXXX has had plenty of opportunities to correct these inaccuracies over the course of over 4 years but continue to work in partnership to ensure that my credit score remains unchangeable. Both companies investigated this matter within the allotted time frame provided by the Fair Credit Reporting Act and with disregard submitted this false and inaccurate information/data into my consumer credit file having verified by EQUIFAX that the information entered into my consumer credit file post investigation was correct. Recently, I have asked Equifax to " DELETE '' this account off of my credit file but they have ignored my requested and have since initialized a reinvestigation which is a violated the Fair Credit Reporting Act which is governed by both Federal and the State of Nevada. Given the numerous errors in credit reporting and the blatant disregard of both State and Federal lawand the several years of harm it has caused due to the inaccuracies, I ask that this account XXXX XXXX XXXX XXXX ( XXXX be DELETED/REMOVED from my consumer credit file promptly and permanently.
Product: Debt collection

I have a company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ny XXXX Says I owe a debt to XXXX XXXX XXXX XXXX file number XXXX i have never stepped foot in a prohealth care facility in my life
Product: Debt collection

XXXX XXXX XXXX placed a couple of medical collection on my account that had been placed by a different collection agency in the past, but had to be removed because they did their research and this was not my debt. I have never done business with XXXX XXXX XXXX and I don't owe XXXX XXXX XXXX XXXX  anything. I wrote a letter asking XXXX XXXX to remove the debt because its not mine. 3 months past by so then I reached out via phone and they were very rude and keep hanging up on me. I don't owe these collections to XXXX XXXX XXXX and I definitely don't owe it to XXXX XXXX. If you have any medical records with my name on it, I will be extremely upset because there is a Hipaa Law that protects us. You should not be holding any of my medical records from anyone. I don't have an outstanding balance with XXXX XXXX XXXX. If XXXX XXXX has proof that this is my debt, then please send it like Ive asked over the phone and in the letter that I mailed out. There is a reason why the previous collection company removed it.
Product: Credit reporting or other personal consumer reports

My CashApp was hacked a year ago.. I made a call and dispute but the problem was never investigated properly. 
XXXX is going through lawsuits due to not properly investigating disputes and not properly reporting credit scores.. I have issues still on my credit report that should be eliminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit card or prepaid card

Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/2023, including supporting evidence, involving third-party debt collector ( XXXX ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.
Product: Credit reporting

Apparently one of my girlfriend 's credit cards ( XXXX XXXX ) was added to my list of credit cards, though I do not have the card, I am not an authorized user, nor do I have any type of access to this account. The account has had XXXX late payments, which are showing up on my credit report and damaging my score. The account shows as open, but with XXXX balance and it states that the last time it reported was on XXXX XXXX, 2014. On the credit report, it also states my responsibility for the account is " Terminated ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have inquiries on my credit report that I did not authorize, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.
Product: Vehicle loan or lease

Received letter dated XX/XX/2018 from XXXX XXXX, reference # XXXX. Under credit report, { highlighted area } the last Statement it reads : { Too few accounts currently paid as agreed }. I had no agreement and it did not come from XXXX. At he time of loan application I had paid off the boat, car, and 2 credit cards, I believe the report to be slanderous and discrimitory. The only loan out was the mortgage. Thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Experian 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 inaccuracies and false information consists of personal credit card account XXXX XXXX XXXX opened XX/XX/2022 account number XXXX in the amount of XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )
Product: Payday loan, title loan, personal loan, or advance loan

I consolidated XXXX Loans in to XXXX with my credit union, because the high instrest rate i was paying them. Check was send out on the XXXX XXXX XXXX XXXX  on the XXXX XXXX XXXX XXXX of the company loans was closed but not conns they keeping telling me the have note received the payment today is the XXXX XXXX XXXX XXXX and on there webset my payment still have not made it to them. I have delt with them before on this same issure before they will hold that check for XXXX days and conitune to get insterest off the loans. also they did not want to give me a XXXX day payoff when i call them. So this company those this on purpose.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the items I disputed. Being that they have gone past the 30 day mark and can not verify these items, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Debt Validation Request Dear XXXX XXXX XXXX, I am writing to formally request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request full validation of this alleged debt.

Please provide the following documentation to substantiate the validity and accuracy of this debt : 1. Proof of Debt Ownership : Verification that you are legally entitled to collect on this debt, including any documentation that shows how you acquired the debt from the original creditor or other third parties.

2. Detailed Accounting of Debt : An itemized breakdown of the debt, including the original amount, any fees or interest accrued, and the exact balance due as of today. 
3. Original Contract or Agreement : A copy of the original contract or agreement signed by me that establishes my obligation to repay this debt.

4. Full Identification of the Original Creditor : The full name, address, and contact information of the original creditor. 
5. Verification of Legal Authority : Proof that your agency is licensed or authorized to collect debts in my state of Florida. 

If this debt can not be fully validated as outlined above, I request that you cease collection activities immediately and remove any negative reporting associated with this debt from my credit report, as required by law. 

Additionally, I am submitting a copy of this request to the Consumer Financial Protection Bureau ( CFPB ) for review and documentation. 

Thank you for your attention to this matter. I look forward to your response within the 30-day period outlined by law. 

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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX {$9.00}
Product: Debt collection

Called me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less!
Product: Debt collection

I contacted Aspen National Collection about a collection account that appeared on my credit report on XX/XX/2017. I never validated the account but the agent was insistent on saying it was my account. He could n't give me the account number. The amount on my credit report ( he said ) was different than what he had, but he would n't give me that amount. This is for maintenance fees.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act

( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX : Someone logged into our Wells Fargo Online account and transferred all of our savings ( {$8400.00} ) into our checking account as well as took out a {$1000.00} cash advance from wells fargo credit card. They then transferred money out of our account essentially wiping everything out into a XXXX XXXX, then depositing those funds into an unknown account. 

We did not authorize anyone to log in and move our funds. Wells fargo even said they could see the location of who was responsible ( Wisconsin ). 

We didn't authorized any transaction nor were we contacted by Wells fargo Fraud with any type of alerts that our account was being wiped out. 

Wells Fargo said they can't prove that it was Someone else ( which is false. They said they could see the location of where the account was accessed. XXXX and we live in XXXX. 

We didn't give out any info or login data to anyone. We were simply hacked and we want our money back as it should have been protected ( {$9400.00} ) total.