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

My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all 3 credit reports on or around XXXX XXXX, XXXX and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below. 

FCRA Section 611 ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Enhanced Recovery Company , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Product: Credit reporting

Transunion improperly updated the information provided by the XXXX XXXX company on my credit report. They updated all but XXXX of my Student Loans to state " deferred due to forbearance ''. The XXXX organization provided me a credit reference letter to validate all my loans were in a in-school deferment status. Additionally, they identified XXXX student loans that would go into forbearance XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX for a loan realignment. I provided the letter to Transunion and they refused to accept. I called XXXX and they offered to due a conference call with Transunion but Transunion refused. The XXXX organization sent Transunion an updated status on my student loans and my credit report still has not been updated. Attached is my credit reference latter from XXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XX/XX/year>, A guy called XXXX XXXX came to my job and talked about pyramid scheme that can double your money. I sent my hard earned money to him and never heard from him. When I asked him about my money he said its gone. I sent it to him through cash app, when I contacted cash app they said they dont refund that my money is gone I was so devastated that my hard earned money was never refunded back.
Product: Debt collection

XX/XX/year> Credit Acceptance Corporation Account Number XXXX. This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account
Product: Credit card

I established a new account with Discover Financial Services in XX/XX/XXXX. I had not used this account until XXXX. When I login online to discover 's website, it is displaying a XXXX balance for this account. As of XX/XX/XXXX, they have reported me 60 days delinquent. When asked why the account shows XXXX balance, they stated I'm looking at a closed account. Nothing on the website shows it is closed. It says XXXX balance, available credit {$5500.00} and does not offer me the ability to make a payment. Then I asked why they never called me regarding the account and they stated they did not have a phone number on file for me which is not true as I have received text message notifications from them in the past. The account is paid in full and closed and this was the first payment due on the account. Discover is refusing to update the credit reporting information due to their technological issue on their website that causes it to display closed as accounts as current information. They made no attempt to reach me other than supposed snail mail that I never received. Based on how I explained this issue to them, I believe it's completely unreasonable that their software displayed a XXXX balance and I have screen shots to prove it.
Product: Debt collection

A company called American coradius international send me a letter telling me that I owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. When my account has a XXXX amount and in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The monthly payment, terms, credit limit, past due, and date of the last payment is missing in this report. Balance should not be reported under a collection/chargeoff account! Also, the date of the last activity on each bureau was reported differently on this account. All dates should be reported the same! I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.
Product: Credit reporting or other personal consumer reports

To recap the events from XX/XX/2023 to now, in XXXX, a fraudulent check in the amount of $ was deposited into my checking account by perpetrators. The funds were then tried to be withdrawn by the perpetrators, which resulted in my account being frozen. I contacted customer service as I tried to log into my account via mobile app and saw my account no longer existed. I then was told a fraudulent check was deposited into my account. I couldnt believe or understand HOW this could have happened. My phone was indeed stolen before with my bank information present as well as my card which at the time I thought was misplaced. I was told my case was under investigation and would be resolved within 30 days repeatedly. I was told the fraud claim was closed and that I would receive MY funds in my account back. I called repeatedly & again on XX/XX/XXXX and was told there was no update, that my funds were still frozen but the representative said a work order would be sent to the internal office to request my funds to be returned. 
On XX/XX/XXXX, I called and spoke with another representative, which then put in another request for my funds to be returned and she asked me to call back for an update. I called again on XX/XX/XXXX and was advised to call the XXXX XXXX because of the XXXX XXXX XXXX report filed by BoA. I was asked to dispute both the XXXX XXXX and BoA ( which was already done ) and to file a police report. I filed a police report then. 
I then was told to contact the fraud department in XXXX, FL. I spoke with 2-3 people to resolve my issue. They ghosted me and continued to not help me when I complained repeatedly about my name being on XXXX and XXXX XXXX XXXX which prevents me from opening ANY bank account OR credit card. One of them finally got back to me and removed my name from XXXX but not first warning. So currently, im still unable to get ahold of any bofa representative I have talked to for help, nor am I able to open any account. I am not responsible for the fraudulent actions and desperately need help to have my name removed. Please help me. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$9700.00} XX/XX/XXXX XXXX XXXX {$9700.00} XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Product: Credit card

Complaint Regarding Incorrect Interest Charges on Balance Transfer and Violation of VCPA In XX/XX/year>, I initiated a balance transfer with XXXX for {$15000.00}, which I subsequently reduced to {$7200.00} as evidenced by the attached statement. This amount was designated to accrue no interest according to XXXX. However, in XX/XX/year>, my statement indicated a total balance of {$9700.00}, including the {$7200.00} supposedly interest-free. Despite making a payment of {$4000.00} before the due date of XX/XX/year>, I was charged {$84.00} in interest, which I believe to be inaccurate. 

I assert that this charge is erroneous, as my statement reflected a payment in full before the due date. I am attaching relevant documents to support my claim. I respectfully request your intervention in rectifying this matter, as it appears that XXXX may be engaging in deceptive practices through their balance transfer program. I am seeking clarification on the interest status of the amounts stated on my statement that XXXX claims do not generate interest. 

Furthermore, it is my contention that XXXX 's balance transfer program may be in violation of the Virginia Consumer Protection Act ( VCPA ), particularly XXXX ( A ) ( 14 ) concerning deceptive business practices. The discrepancy between the advertised no-interest balance transfer and the actual interest charges applied undermines the transparency of the offer, potentially constituting a " bait and switch '' tactic. 

I appreciate your prompt attention to this matter and look forward to your timely resolution. Thank you for your assistance in addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXXXXXX credit card was reported with a {$71.00} balance but my balance is {$0.00}. See attached
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 8 late payment and 3 charge offs on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been Wait on payments of an attached copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, charge off XX/XX/XXXX, charge off XX/XX/XXXX, charge off XX/XX/XXXX XXXX requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand Those payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

On Thursday morning I got a deposit on my chime account of XXXX. Somebody logged into my chime account & changed my email & phone number on the account. So my account was put on hold & new cards were sent out. They spent {$820.00} from my credit builder account & {$200.00} from my checking account, the merchant name is XXXX the website isn't even legit enough to talk to anyone to get documents pertaining this. Both of my disputes got denied through chime. The credit builder account took 2 days & the checking account took a few hours after denial. I called chime multiple times & they still didn't have a reason why it was denied.
Product: Student loan

Well Fargo has repeated called my ex husband multiple times a day claiming my payment was late when I had confirmation from my bank that it was on time, and when I called WF back they confirmed that it had indeed been on time. They also delete online accounts XXXX if they are not accessed every ninety days, but do n't tell you this will happen, and then take two business days and a manual process to reenable accounts, and they refuse to provide statements/paper account summaries. They repeatedly confused my SSN with that of my ex husband, and repeatedly lost my email address -- the same one I 've had for years and which they 've also used to contact me.
Product: Credit reporting

I have accounts reporting on my credit report that I did n't do or get. My name is very common and the local police department explained that the best route would be to call the bureaus and another government agency I think this one but it was called something else. I have a judgement for an auto? and child support? very frustrated with myself for not keeping up with this stuff.. did n't think i had to. I 've sent the bureaus dispute letters but there has n't been any real traction. This is affecting my personal life and the more time that passes the more XXXX i 'm getting. I have followed the specific instructions on the website showing what to do and i uploaded it. I can give you letters sent and receipts.
Product: Debt collection

Today XX/XX/XXXX North Star location services called my parents house. They are calling on behalf of XXXX XXXX  who has my information but they did not call me. They are reaching out to family that I do not live with. They harassing my family and harassing me. They are giving out my information. Phone number is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the item immediately and Equifax and XXXX   have done nothing. 30 days have passed and I sent my second request to Equifax and XXXX  and 30 days have passed again and Equifax and XXXX has again done nothing which is why I decided to come here for help, please help me.
Product: Vehicle loan or lease

I had leased a vehicle thru GM Financial for 36 months, my account was on auto-pay and the lease was paid each month on time. On XX/XX/2019 i returned my lease to XXXX and wasn't told of any outstanding charges, Never received a bill or any correspondents i.e. Mail, Email, text, phone stating that i owe any monies. On XX/XX/2019 i received and alert from my credit monitoring of a delinquent account from GM Financial in the amount of {$600.00}. I immediately contacted GM Financial and was told two things one,  that the amount shown was and the correct amount was {$430.00}, a charge hidden in the lease agreement ( not transparent and upfront ) for returning the vehicle and not leasing another XXXX vehicle. Second, they admitted to having a wrong address on file where they supposedly sent me the bill, I was told that they would they updated my address and that they would resend me a new bill with the correct amount and also remove the negative hit on my credit report and send me confirmation of that as well. 

I've been waiting ever since for those notices and NEVER received anything, Called many times thereafter and was told that notices were sent out still nothing was received. 

On XX/XX/2019 i contacted the again and was told the notices were again sent out but the wrong address '' again '' OOPS! what incompetence. I then requested to just make a payment over the phone and was charged an additional {$10.00} processing fee in addition to the {$430.00}. Again i was told that i will be receiving email confirmation of my payment and ad letter stating that the delinquent account will be removed from my credit score. The Money was drafted from my checking account but no email confirmation 'of course '. 

On XX/XX/2019 i received another notification from my credit monitoring of a new negative account this time in the amount of {$430.00} this is after the money was already drafted from my account. This is causing my a lot of stress as well as financial loss as i can't obtain credit for my business, cant take advantage of the lower interest rate to refinance my home etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit report and found several inaccuracies regarding my personal information. To help facilitate the correction process, I have attached documentation providing proof of my current address, as indicated on your website. 

The only correct address that should appear on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following incorrect address from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I noticed that my name appears with multiple incorrect spellings. My name should appear only as : XXXX XXXX XXXX XXXX Here are the incorrect name variations I request to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request the removal of any inaccurate employer information. The only employer that should be listed is : Senior Life Insurance These inaccuracies are a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other related regulations. Specifically, the following laws apply : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

It is essential that my credit report reflects accurate information. Failure to correct these errors may result in further action to protect my rights.

Once the corrections have been made, please send me a copy of my updated credit report.

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing in regards to my account with Capital one account # XXXX a late pay is being reported in XX/XX/2021 at that time I was suffering from XXXX and was unable to get that payment made. As soon as I was able to I got caught up and paid,