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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Dear ( XXXX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX and the XXXX XXXX credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 

Under the FCRA XXXX XXXX ( a ) ( XXXX ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 

As the FCRA stipulates, if you are unable to complete the investigation within the XXXX timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), you are required to notify me of the results of the investigation within XXXX business days after it is completed. 



Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



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

did not authorize these inquiries and firmly suspect they are not genuine. I urge you to conduct a comprehensive investigation and promptly remove them from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

We tried to get a Bank of America credit card but received notice that we were denied. Now Bank of America says we owe {$3000.00} on an account we dont have. We have not received any cards or anything from Bank of America except the denial letter. This is on our credit reports but we have not had a credit card or a credit account to charge anything. We told them this but it is still showing as a bad debt on the credit report. We need this off our credit report because it is causing harm to the credit we are trying to get back to excellent. 
I have tried to find the letter stating we were not approved but if I find it I will forward to you.
Product: Debt collection

I am a victim of Identity Theft and this is my personal statement, on XX/XX/XXXX, after I pulled my credit and we review it, I saw multiple collection accounts that did not pertain to me, so on XXXX, XXXX, I started my first dispute with the credit bureaus, unfortunately, after a month I pull my updated credit report, and they still have reporting " PORTFOLIO RECOVERY A ( XXXX XXXX  ) '' collection account on the XXXX XXXX, I am now reaching out the CFPB, because I need this collection account off of my credit report because, I'm not the debtor of this alleged collection account.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I submitted a second dispute regarding several inaccuracies and misinformation that is on my credit report. Accounts reporting inaccurately, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX and US Department of Education XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 the following accounts with XXXX  XXXX XXXX XXXX are in active arbitration due to an unresolved Billing Error : XXXX, XXXX, XXXX XXXX Case # XXXX According t

o 12 CFR 1026.13 ( 1 ) and ( 2 ) : Official interpretation of 13 ( d ) Rules Pending Resolution ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.

Official interpretation of 13 ( d ) ( 1 ) Consumer 's Right To Withhold Disputed Amount ; Collection Action Prohibited ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Credit card

A credit car was opened using my credentials through chase and was left unpaid not the balance is on my account and credit report.
Product: Money transfer, virtual currency, or money service

I am no longer able to login to my XXXX account after attempting to buy XXXX on Coinbase. These accounts use the same login credentials. I am unable to access my {$1500.00}. Support has been unresponsive and they are not available via phone support on the weekends.
Product: Checking or savings account

I am constantly hitting overdraft fees that place me negative - $ XXXX even though I have an overdraft protection. Ive been a valued customer for several years and am considering closing my account! This is unacceptable for a bank who has millions to over charge me when clearly I dont have money in my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an account that is over 7 years old according to the fcra and the fair debt collection act debt good or bad is to fall off after 7 years this is fact
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Act XXXX XXXX  States its a charge off account. In which I still am asking to validate that all information is correct. I have received no communications threw mail of the 1. AMOUNTS 2. ORIGINAL PAPER WORK 3. MY SIGNATURE 4.1099c I NEVER RECIEVED. I have now checked as it came back on XX/XX/23. Stating that it is to remain. Now there are many inaccuracys STILL REPORTING. I not only followed the proper steps and waited for validation of the debt. Yet, I have rights and according to the FCRA I am to have a 100 % accurate credit report so this needs to be deleted off of my credit file.
Product: Money transfer, virtual currency, or money service

From the moment I made my account, this agency has taken fees everytime another user sends me funds. Fees range from XXXX all way up to XXXX dependent on amount of funds. HUNDREDS OF TIMES THIS HAS OCCURED way to many to begin listing.
Product: Debt collection

The following statement consists of the information on the matter of the XXXX XXXX  account that we have gathered so far. 

After the statement there will be a few items we would like you to address. 

The XXXX XXXX statements that were emailed to us lists our address as a p.o. box address in XXXX XXXX S.D. However, we have never lived or even visited XXXX XXXX S.D. When we looked further into that p.o. box online we discovered an additional p.o. box in XXXX V.A. we were also unaware of. When we researched the new p.o. box we discovered an unknown owner that shared the p.o. box in XXXX and owned another p.o. box that shared a close proximity to the XXXX XXXX p.o. box. 

We have never received any statements prior to those you sent, upon request, thus we had no prior knowledge of the account until your company called. 

According to XXXX XXXX, payments were made from XXXX, XXXX through XXXX, XXXX, with payments ending on XXXX, which corresponds with the information you provided. However, our bank has no record of either themselves or us, the account holders, stopping the automatic payments. 

Additionally XXXX XXXX shows payments being made on XXXX and XXXX of XXXX but there is no record of payment for those two months in our bank records. 

Finally, XXXX XXXX states that the payments should have been XXXX XXXX dollars but the XXXX XXXX statements you emailed to us only show XXXX XXXX dollars as payment due. 

In conclusion we have several requests for you to look into. And they are as follows. 

1 ) We request a list of all purchases made since the opening of the account in XXXX till the last purchase made in XXXX of XXXX. 

2 ) Find out why the account was closed and who authorized the closure. 

3 ) What is the location where the account was activated in XXXX.
Product: Debt collection

Mitchell D. Bluhm & Associates were shes in 2016 for violating Fair Debt Collections Practices Act. They have placed a collection on my credit report without proper written or call notification of an alleged debt from more than 5 years The debt was never verifiable, validation nor written communication providing an estimate barred date was not given. This is a scam company that has violated the Fair Debt Collection Practices Act ( FDCPA ) that has placed a collection on my credit report without proper written notification of an alleged debt. This is horrible that this even allowed.
Product: Student loan

I used a referral link to apply for a Sofi Student Loan Refinance XXXX # XXXX XXXX which was first approved on XX/XX/2020. When I applied, my referral bonus XXXX {$300.00} ) was present on the application the entire time. Sofi went through two iterations to beat my competitor 's offers and I eventually decided to go with Sofi. I had my loan funded on XX/XX/2020. Having learned from past experiences of companies refusing to pay incentive bonuses, I reached out to Sofi customer service on XX/XX/XXXX about my cashback bonus. I was contacted on XX/XX/XXXX and told the steps I needed to complete to get my bonus sent to my bank account. Over the past month I have been dealing with Sofi Customer Service trying to get them to give me my bonus. I provided the email thread of me discussing the bonus with them directly and the link I used. Of course, yesterday XXXX XX/XX/2020 ) they informed me that they were not responsible for the bonus despite it being applied to my application. Promoting cashback bonuses to have someone accept a loan and failing to provide the bonus is illegal.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I did not Authorize Account XXXX XXXX  XXXX Account XXXX XXXXXXXX Account XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX. XXXXXXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have multiple credit cards with Fifth third bank. I have alerts set up to email me when I have a statement or bill payment due. One particular card I have with fifth third that is set up with alerts was reported as a late payment. I never received a statement from Fifth third or an alert that there was a balance. Either by regular mail or email. I have offered to show Fifth third the search history for that card in my email and they seam to be uninterested in resolving. I currently still have this account set up with alerts and have confirmed with Fifth third but yet to this day i don't receive any statements in any form from them. This is a rarely used credit card and it was used by accident or this issue would not have been found. I have 2 cards with similar names on them. One is used often the other in question rarely. I can them to send me a statement in any form automatically. I have 4 cards currently with Fifth third and I receive the statements 3 monthly. Not the XXXX. These cards statements do show up with the last 4 digits of the card in the subject line. I have called and spoke to many different people at Fifth third and get a different answer each time. They do acknowledge I have alerts set up correctly bt cant explain why I dont recieve statements. Each person claims they will call me cback and it never happens. I have never had a late on any credit report andthey are reporting me as late. This balance was paid off when i found out. I want this late remoeved from my credit report. that is all I am asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. The following account was not made by me : 1. XXXX OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX ( CLOSED ) AND ( CURRENT ) - UNVERIFIED 2. XXXX  OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX ( CLOSED ) AND ( CURRENT ) - UNVERIFIED 3XXXX OPEN XX/XX/XXXX, DATE REPORTED XXXX ( CLOSED ) ( CHARGE OFF/COLLECTION ) CREDIT LIMIT $ XXXX UNVERIFIED 4. XXXX XXXX OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX ( CLOSED ) AMOUNT DUE {$1300.00}, CREDIT LIMIT {$1000.00} -UNVERIFIED As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my XXXX credit report. I will sue them if they continue to collect debt that is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XXXX XXXX, XXXX - {$00.00} XXXX XXXX  XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX  - XXXX - XXXX XXXX, XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Debt collection

I do not owe this debt! Company is XXXX XXXX! I didnt recieve a letter or note for this debt! Remove immediately
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( XXXX ) with XXXX XXXX, reported : XXXX XXXX, XXXX, {$480.00}, Closed/charged-off. XXXX XXXX, Reported : XXXX XXXX, XXXX, {$1100.00}, Closed XXXX, Reported : XXXX XXXX, XXXX, {$10000.00}, Closed XXXX, Last reported XX/XX/XXXX, {$840.00}, Charged off XXXX XXXX, Last reported XX/XX/XXXX, {$17000.00} I never gave anyone consent or permission to sell my information which is against the law to do so, the first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for its failure to conduct proper investigations into disputes regarding inaccuracies on my credit report. Despite submitting detailed evidence to support my claims, Equifax consistently responds within 24 hours asserting the accuracy of the disputed accounts without providing any indication of a thorough or reasonable investigation. This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to perform reasonable investigations of consumer disputes. Additionally, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus recent administrative proceeding against Equifax for similar misconduct ( File No. XXXX ). I respectfully request that the CFPB take immediate action to ensure Equifax complies with federal law and provides consumers with the required evidence of proper dispute investigations.
Product: Credit reporting or other personal consumer reports

Subject : Statement of Inaccuracies on Credit Report I am writing to formally dispute inaccuracies on my credit report. My name is [ XXXX XXXX XXXX, and my Social Security number is [ XXXX ]. 

Upon reviewing my credit report, I found the following inaccuracies : XXXX. [ Account XXXX XXXX XXXX XXXX ] : This account shows [ describe the error, e.g., inaccuracies Are EXPERIAN Account Type - SECURED LOAN Status - PAID, CLOSED Status Updated - XX/XX/XXXX Balance Update - Paid Off - Past due - XXXX Account Type - INSTALLMENT Status - PAYS ACCOUNT AS AGREED Status Update - XX/XX/XXXX Balance Update - XXXX XXXX Paid off - 100 % Past Due - XXXX  Account Type - INSTALLMENT ACCOUNT Status - PAID OR PAYING AS AGREED Balance Update - XX/XX/XXXX Past Due - {$0.00} Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]