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

Myself XXXX XXXX XXXX recently viewed my Equifax consumer report # XXXX and noticed Equifax continues to report inaccurate fraudulent inquiries on my report and states they verified these items but have not provided the evidence or proof required by law of the reinvestigations that Congress has laws sent in place. Equifax continues to violate my rights to privacy and rights under the Fair Credit Reporting Act to fair and accurate consumer reporting that they assumed the grave responsibility to do so. Equifax continues to be noncompliant and negligent in this matter opening themselves to civil liability in a court of law. Please deleted the items I have mailed them information on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Credit Adjustment Services of Harrisburgh INC. dab Cash-Pro INC. has Falsely reported a trade-in on my credit report. They are a third-party Debt collector, who have violated my rights under the FDCPA. They were given my personal information under false pretenses and has now damaged my credit report. I Feel ashamed and personally violated that they would commit such act against me and my reputation. I demand that they delete the trade-in that furnished on my credit report immediately or I will take action to sue them under FDCPA. they are demanding I pay them immediately as if I ever done any type of business with their company.
Product: Debt collection

RevCo Solutions called and began the call by requesting information about me. I had who was calling and the nature of the call, which the caller refused to provide information until I did. After reluctantly saying I can take a message but not provide information, they ended the call. I called them back, where I received another caller who also hesitant on providing me and information. I pressed on about what the call from a debt collector was until they finally provided a small amount of information. After asking them to verify it, they wanted me to provide information regarding my location and health coverage. After saying I will provide at a later date they ended the call. I called back a third time, where I made it clear that they are no longer allowed to call this number to ask for information, where the same caller from before just said ok. I made it clear that I want her to verbally confirm they will no longer make any calls, where she reluctantly did so and I ended the call. 

They also are trying to collect a debt that is way over the balance determined by the original collector. As well as stating they have sent me multiple notices by mail, but I have received nothing until the first call. Im fed up with this company and their contact harassment and would like to push for the debt to be void.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reached out and spoke to a representive regarding my account. The account showed it went delinquent in XXXX XX/XX/XXXX. I spoke with a representative and explained what took place. 

XXXX. Was hospitalized and did not know payments were not received. 
XXXX. Government employee required to maintain a certain credit score. 

The representative informed me she would put notes in the account and for me to write a letter and send the documents to XXXX XXXX XXXX, XXXX OH. XXXX and as a XXXX time courtsey they would delete these items for me so, I would not lose my job. 

The customer service represenative did not uphold their end, after contacting XXXX again, I was told their was no way a person could have told me that. I asked for an email address and I was told there was not XXXX. I was advised to mail in anything I have to the XXXX Ohio address. 

As of XX/XX/XXXX, I was terminated from my job for failure to maintain the credit score requirement. I ended up filing a lawsuit against my former employer. We are in discussion and they have agreed because of my outstanding record to allow me to be rehired, but this account must be either removed totally or deleted. 

My attorney has sent documentation and reached out to Comenity for help with an attempt to resolve this. XXXX representatives hung up after telling the attorney the only thing she could do was send the documents again. The case is back before the judge XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a debt validation letter to Bank of America ; Acct Disputes [ Account ending in XXXX, with a balance of {$6900.00} as of XX/XX/XXXX ] on XX/XX/2020 via certified mail. The letter was delivered on XX/XX/2020, at XXXX ( receipt attached ). Bank of America failed to provide me with the information I requested in my letter, and furthermore, failed to place my account 'In-Dispute ' status with the credit reporting agencies. 
On XX/XX/XXXX, Bank of America sent me a letter stating that my cased was closed and resolved, but the again on XX/XX/XXXX, I received and email stating that more time was needed to research my concerns, citing to hope to resolve this matter by XX/XX/XXXX. 
As of today, XX/XX/2020, Bank of America has not reported to any credit bureau agencies that my account was ever in-dispute, and they have not contacted me since their last email about this issue and/or sent me the documentation I initially requested in my debt validation letter.
Product: Checking or savings account

Bank of america CONSTANTLY SAYS THEY CAN NOT VERIFY ME!! 

XXXX THE MANAGER AT XXXX LOCATION HELPED ME DO IT ON MY PHONE. 

IT SHOULD TAKE NO MORE THAN 3 DAYS!! 

THIS NEEDS FIXED!!!! I WILL NOT GO INTO THE BANK EVERYDAY!! 

I HAVE XXXX XXXX!! 
AND AM TRYING TO OPEN AN ACCOUNT WITH A CREDIT UNION!! 
THIS IS A SERIOUS PROBLEM!! 
YOU GON NA PAY FOR THE GAS IN MY CAR TO STEP INTO XXXX XXXX XXXX XXXX!!? 
NO!! 
HEADQUARTERS IS IN XXXX NC. 

Please send this complaint to them. 
XXXX XXXX XXXX is now working on my case. 
XXXX is doing nothing. 
And card is still not in the XXXX XXXX XXXX XXXX. 
Also I would appreciate a credit card. 
Why do I not get a credit card? 
Also I would like to know about a trust fund!! 
Your friend, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a late payment on my credit report that not accurate Ive never paid this account late, Ive wrote the company and the credit bureaus several times reffering to this late payment and have not gotten any results!! The date of the late payment is for XX/XX/year> from XXXX XXXX XXXX  its one late payment and ive never had any late payment history ever!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXXXXXXDate of Inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting

I sent Transunion a dispute letter asking for my loans XXXX Acct : XXXX and XXXX ) listed as transferred from XXXX to be removed from my credit report immediately. I also sent them a copy of my letter I was sending to XXXX XXXX XXXX Exhibit D ''. I sent the dispute by certified Mail ( Exhibit XXXX '' ). I contacted XXXX XXXX and XXXX and they said that Transunion never contacted them. A week ago, I received notice from Transunion that they investigated and no change to my credit report was needed after investigation. It is very clear they did not investigate, because XXXX and XXXX was never notified as well as my proof of deletion letter from them did not allow Transunion to delete the accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> I reached out to SELF INC regarding an account they are reporting late on my credit report but I never was able to complete the full registration process on my end. I never picked a plan or set an amount to pay. I have tried reaching out to them and haven't gotten any calls back. This should not be reporting on my credit profile.
Product: Credit reporting or other personal consumer reports

Hi, I have recently looked at a copy of my credit report and noticed the was a few fraudulent accounts on my report. I ask that you please remove these accounts from my report because they are hurting my ability to obtain credit..
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX for their failure to thoroughly investigate the disputes I submitted regarding inaccuracies on my credit report. Additionally, XXXX has refused to provide the method of verification I requested regarding the disputed accounts. 

The specific account ( s ) in question are : Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit report and I noticed there is an account on my report that is NOT MINE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for Experian 's reporting services could fax, mail, or email in a fraudulent account. 

The account from XXXX XXXX XXXX XXXX is NOT MINE. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for XXXX XXXX XXXX XXXX. Your decision to post this invalid account on my credit report, as well as your failure to positively verify this erroneous account has hurt my ability to obtain credit. 

Not only is this account invalid and inaccurate, but to make matters WORSE, this account keeps " updating '' " missed payments '' every month even though it appears to be an account that was charged off years ago. Therefore, it goes on record as FIFTY+ missed payments and counting and it consistently and fraudulently shows I have a missed payment within the last 60 days -- even though I do not ( images attached ). This is not only inaccurate and invalid, but it's intentional, malicious damage to my credit, and it's unlawful and ILLEGAL. 

Under the FCRA, unverified accounts must be removed. 

If you are unable to provide me a copy of verifiable proof, you must remove the erroneous, inaccurate, unverified, invalid account listed below : Creditor/Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Status/Provide Physical Proof : UNVERIFIED ACCOUNT ( NOT MINE ) I demand the above account be removed immediately.
Product: Debt collection

I was called by a woman XXXX XXXX called 3 family members and myself stating I was going to be served and to call the company who will be serving me to go over the case. She gave me a case number and I called. 
I called and was told that I owed {$1500.00} to TD bank on bank overdrafts. They told me if I didnt pay the XXXX I would end up paying lawyer fees that total over XXXX XXXX dollars because they would file a civil suit. I called TD and they told me this was bogus and they would never call regarding this matter. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Toll Free Number : XXXX Fax Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Equifax on XX/XX/XXXX, and they haven't responded yet with the results. They were supposed to respond in 30 days, but they did not.
Product: Credit reporting or other personal consumer reports

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX, XXXX  XXXX XXXX XXXX XXXX, AE XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XX/XX/2022, XXXX XX/XX/2022XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

A fraudulent account was opened in my name without my authorization in XXXX of XXXX, with an amount of {$3500.00}. I did not open this account, nor authorize anyone to do so on my behalf. This is fraud. (! )
Product: Vehicle loan or lease

On Monday evening XX/XX/XXXX I was awoken @ XXXX by a loud knock on my door. My husband opened the door and was told by 2 men with a flatbed truck stating that they were here to REPOSSESS my XXXX! We called XXXX for assistance as we were well aware that my GM payments were up to date. Upon further investigation we were told that they were to pick up a XXXX XXXX XXXX. I explained to them that I returned this vehicle XX/XX/XXXX and leased a newer one. The 2 men accepted this explanation and left without incidence. 
I went to work the following morning @ XXXX after no sleep, due to this intrusion in our lives. I called XXXX XXXX later that day and was told that someone would get back to me, Later I was told the vehicle in question was actually on their lot in XXXX! I asked them to fix the situation and get my name off the vehicle. I was told that " due to covid GM is busy and delayed with all functions. '' I called again Tuesday night for update and was promised someone would get back to me on Wednesday. It is now Thursday evening and I still have no resolution to this problem. The car in question has been on their lot since XXXX, long before Covid! They apparently did not do their job properly! When will this be resolved and will I have to be checking with the credit agencies next? 


I have called both companies multiple times without resolve. now my credit is compromised. As of XX/XX/XXXX my credit # has decreased by 66 points.
Product: Checking or savings account

People 's United Bank, located on XXXX XXXX XXXX XXXX, CT XXXX has abruptly closed all my business checking accounts on Friday, XX/XX/2020, without giving any notice ahead of time. I noticed unauthorized debits on my accounts that day and immediately called and emailed the bank. They did not give any chance to discuss the matter and gave no time for me to transition. The funds that were in the account, around {$20000.00} was to be mailed to me but did not give time frame.
Product: Checking or savings account

Tuesday XX/XX/XXXX around XXXX pm we left our phone in an XX/XX/XXXX Whoever found our phone whether it was the customer or driver took our phone and sent them selves a total of XXXX $ from our XX/XX/XXXX. XX/XX/XXXX did nothing to resolve as you cant even reach them by phone. Santander bank refuses to give us our credit back even though we have called over and over and opened the claim about 3 times since XXXX. They say we authorized the transaction which was impossible because the time stamps on the transaction were during the time the phone wasnt In our possession and in the uber! It happened around XX/XX/XXXXish and we didnt even get the phone back from the uber driver till around XXXX pm!!! XXXXXX/XX/XXXX santander noone has helped us in4 months and this person is just off the hook of stealing such a hefty amount of money from us! We wouldn't be fighting so hard for our money is we approved this transaction. We have never filed a claim or anything of any sorts to be told we are lying. Someone stole from us and the bank refuses to do anything g about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX have been reporting inaccurate information regarding a Bankruptcy on my credit report. When I contact the agencies regarding this issue they keep responding with " verified '' by XXXX and Bankruptcy Courts. I contacted XXXX and the Bankruptcy courts and they reported that they did not verify any information in which I have the letters to prove it. I also sent the letters to all credit bureaus and they keep stating that it was verified by these agencies even with the proof in front of them. I want this information deleted from my credit report because it does not comply with FCRA 611 to report inaccurate information. I have attached the documentation from all agencies so you can see that they are giving false information as to how they are verifying the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on my credit report and it has been well over XXXX days without any investigation results.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Midland Credit Management , Inc. 
The details of the disputed account are as follows : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I am writing to dispute the collection account referenced above, which appears on my credit report. I am a victim of identity theft, and this account is not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and request its removal if it can not be verified. The account in question was opened fraudulently using my personal information without my knowledge or consent. 

Upon contacting the collection agency to dispute this account, I was informed that they have the incorrect name associated with the account. Despite this acknowledgment, the collection account continues to appear on my credit report, causing significant harm to my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report and have it corrected or removed if it can not be verified. The collection agency 's failure to correct this error and the continued presence of this incorrect information on my credit report is a clear violation of my rights under the FCRA. 


The details of the disputed account are as follows : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I request that you : 1. Conduct an investigation into this matter. 
XXXX. Remove this fraudulent collection account from my credit report immediately. 
XXXX. Cease all collection activities related to this account. 
XXXX. Provide written confirmation that the account has been removed from my credit report. 

I am requesting the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that the collection agency and the credit reporting agencies comply with their obligations under the FCRA. This inaccurate information must be removed from my credit report promptly. 
Please investigate this matter and instruct the collection agency and the credit reporting agencies to remove the incorrectly associated collection account from my credit report. I request a written confirmation once the investigation is complete and the account has been removed. 

Thank you for your assistance in resolving this matter.
Product: Debt collection

My company XXXX XXXX XXXX had a judgement against it XX/XX/2018. I have paid the plaintiff and he signed a release of judgment that was filed with the court. I reached out to XXXX XXXX XXXX and the credit bureaus to update their reporting according to the judgment being fulfilled and sent them copies that were stamped by the judge. They have failed to update their information against XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have XXXX items on my credit report that are not reporting correctly. 

XXXX XXXX XXXX XXXX : Account number : XXXX, The terms are inaccurate and different on the other bureaus, the past due is incomplete, the payment status is inaccurate and different on the other bureaus, the date last active is inaccurate and different on the other bureaus, the date of last payment is incomplete. 

XXXX XXXX XXXX XXXX XXXX Account number : XXXX, The credit limit is incomplete, the past due is incomplete, the date of last payment is incomplete. 

XXXX XXXX XXXX XXXX XXXX Account number : XXXX, The credit limit is incomplete, the past due is incomplete, the date of last payment is incomplete. 

I have asked Experian to correct this however, they keep sending me an email saying they refuse to investigate my " Alleged '' Dispute that they believe it's not authorized or from me. I went online looking for help and the feedback I'm getting is that this is a stall tactic by Experian to avoid compliance with the XXXX XXXX. 

I am submitting this compliant in hopes that the CFPB will help me protect my consumer rights.
Product: Credit card

On XX/XX/XXXX, I called Citi to see about reducing my interest rate on my credit card. The representative told me they couldnt. I ask them what would happen if I closed my card with my interest rate and they said they would check on that. They put me on hold and then I was disconnected. I found out a month later my card was closed without me confirming or saying I actually wanted card closed. I called in XX/XX/XXXX that I would like my card reopened because I never requested it to be closed. The representative told me they would check and send me a letter if they could. I received a letter theyre going to leave credit card closed. Now my credit utilization on my credit report went way up and my credit score was reduced XXXX points. Im now not able to get a low interest rate for a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 XXXXXXXX