23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was told by the leasing agent of an apartment complex that there would only be a {$600.00} penalty if I broke the one year lease. This would be paid by surrendering my security deposit which was {$600.00}. there was no mention of a Buy-Out Option Settlement agreement at the contracting phase. However, upon giving my thirty-day notice four month into the contract, I was asked to sign a settlement agreement for {$3100.00}. I lined-out that amount and wrote into the agreement the {$600.00} that I was quoted upon leasing the apartment. The apartment manager approved the agreement form as modified with her signature, and then took the {$600.00} deposit as payment. Two months later, however, I was contacted by a collection agency claiming that I owed the apartment complex {$3100.00}. I sent them the modified Buy-Out agreement for the {$600.00}, and the notice that the {$600.00} had been collect by the apartment manager. Since then, I have been constantly hounded and threatened by the collection agency for the last five months attempting to collect a much larger amount of {$6800.00}. I am now being threatened to have my good credit destroyed by placing this false delinquency with the three major credit bureaus. I 'm asking your agency to advocate for me in this matter so that my good credit will not be effect by a overzealous collection agency, and have the unjust harassment stopped.
Product: Checking or savings account

My bank is Capital One. My direct deposit usually hits early, but this week it did not. It is now Friday, XXXX in Michigan and I still do not have my paycheck. Capital One is unable to give us an answer as to what is going on and when we will receive our hard earned money. This is so unprofessional. I depend on my paycheck and at this point Capital One is playing with our livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning maam/sir : XXXX XXXX XXXX XXXX, XXXX  pulled a hard credit report without my verbal or written consent before we even agreed on a price or terms. I did not agree to their propose terms and did not proceed further. Two days later I received a message from my credit report monitoring service that XXXX XXXX had requested a credit report without my authorization. I asked the business to call and clarify this with the credit bureau. I also notified XXXX XXXX XXXX who told me that they would call me back this past week. I explained the situation to the sales manager on an email message and so far have been ignored by the dealership and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I

previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.
Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first complaint that I ever sent, but I can't express my fillings about how Credit Bureaus neglected my rights as a consumer and violated the law. I have sent to Credit Bureau agency disputing letter regarding accounts on my report that MUST BE REMOVED. 
My first letter was mailed on XX/XX/2022 and every other 35 days, All my mail was sent with certified receipts and return card. So I keep my records. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, - I'm providing these accounts number as they appeared on my credit report. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports.

For your convenience am including with this complaint : copy of my driver license, copy of my SSN card, copy of proof of address, FTC report, I have also submitted FRAUD Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, 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. 
Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I would like to investigate the account listed below as if is not reporting correctly on my credit report XXXX XXXX XXXX I am feed up with the 3 credit bureaus XXXX XXXX Experian, and XXXX for not responding and rectifying my problem in a timely manner and not following the laws and rules that they agree to. I sent out letters to them on XX/XX/2022 and XX/XX/2022 and still haven't had anything done these accounts showing on my credit report is not correct. I'm asking your company to handle this matter and get these credit bureaus to correct these inaccurate accounts. From my understanding this law FCRA623 ( a ) ( 8 )
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX XXXX failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFOB ) has recently filed a lawsuit against XXXX, Equifax, and XXXX XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Equifax, and XXXX XXXX has neither corrected nor removed disputed accounts, as XXXX, Equifax, and XXXX XXXX 's inaction violates federal law and my rights as a consumer. 
I sent certified mail to XXXX, Equifax, and XXXX XXXX, my payment history showing full payoff with {$00.00} balance, the letter of payoff and title lien release from XXXX XXXX  on or about XX/XX/XXXX, and again on or about XX/XX/XXXX for the amount of {$27000.00} is showing on my credit report that XXXX, Equifax, and XXXX XXXX, failed to correct and remove from my credit report. 
Also along with the above documents I sent payment history, account payoff, and closed account showing {$00.00} balance owed for XXXX XXXX Which XXXX, Equifax, and XXXX XXXX, did not remove {$5200.00} showing owed on my credit report, shows I am late and failed to investigate, even with proof of full payment and payoff of my accounts to all three credit bureaus. 
Also along with the above documents I sent payment history, account payoff, and closed account showing {$00.00} balance owed for XXXX XXXX XXXX  XXXX Which XXXX, Equifax, and XXXX XXXX, did not remove {$1800.00} showing owed on my credit reports, shows I am late and XXXX, Equifax, and XXXX XXXX failed to investigate, even with proof of full payment and payoff of my accounts. 
XXXX, Equifax, and XXXX XXXX, has not sent me any responses back to any of my disputes nor correcting the disputes and recently pulling my credit report in XX/XX/XXXX it still shows the discrepancies on my credit report.
Product: Credit card or prepaid card

On XXXX XXXX,2017 I used online payment and paid credit card and used the wrong XXXX checking account ( which belongs to my ex husband not myself ) .by mistake. Within a few days received phone call from my ex husband informing me of the mistake. I immeadiately called Chase and asked them through their knowledge how to handle this transaction and reverse this payment back. Since no actual payment was due on the card at the time it was not a big issue the woman informed me and she would handle the problem. A few days later I looked at my account and noticed not only did she retiurn the pay payment but she reversed a second amount of {$300.00}. So Chase actually created 2 transactions out of the one transaction. Because of this they paid an extra {$300.00} to XXXX XXXX which is a mistake. Therefore they are charging this mistake to me and my account. I am not the reciver of the money on the other end and have asked for the return and they refuse to correct their mistake that I at no time approved. So not only did they protect themselves with the return, they paid an extra {$300.00} and charged it to me. I have spent over 7 hours on the phone being misled, yelled at and lied too. I finally got to the payments department where I asked could they please investigate the problem and get to the bottom of it and please give me my money back. I was yelled at and told no too bad and to XXXX it up. I would just have to pay for the mistake, it clearly is a mistake on someones part at the bank. And it is unfair that they charge me for the mistake..
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX who said he was working for PnC which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( s ).
Product: Credit card or prepaid card

On XX/XX/XXXX I received regular mail an offer : " Add an additional cardholder and spend XXXX dollars within 6 months and get XXXX back ''. 
Before I apply I call because the offer didn't have any code or special invitation numbers, the answer I received was that because it was a targeted offer all I had to do was to comply with the requirements and they will honor the offer. 
In XXXX using their chat services I wanted to ask if I already complied with the offer requirements and their answer was that they don't see any offers, since then I have talked to about 16 different agents via chat and over the phone. They asked me to upload the offer and I did.

Today after 45 minutes on the phone a supervisor told me that my claim is only been opened for 4 days. She told me that at this point all she could do is to provide me a USXXXX credit, I declined because all I want is to get what they offered and I earned. 

They didn't offer me a follow or anything similar. I did pay USXXXX for the additional card and and the USXXXX points only represent about a USXXXX dollars profit for me if I use for travel. I am not dong this for any extra money is because of basic principles
Product: Checking or savings account

This morning, I went to look at my account balance to see if I got paid. I noticed a balance of $ XXXX and immediately looked at my transaction details. It shows that an unauthorized teller withdrawal was made yesterday at a branch in a different state that I was in. I immediately called to report the transaction and look for clarification as to what is going on. The agent was unable to give me any details of the transaction until I threatened to report the incident to the media where he finally was able to tell me it took place in New York City. I then asked the agent is my account compromised and when would I be able to receive my fraudulently withdrawn funds and he was unable to answer that question just stating that this account would need to be closed and a new one opened. I asked what would happen to my funds and he stated that they needed to mail me a letter for me to fill out and return to them which could take up to XXXX calendar days. I asked to speak to a supervisor so they could answer these questions for me. He stated that there was no supervisor or anyone that could give me those answers, I would simply have to wait for their fraud team to review the account and get back to me AFTER I return whatever letter they were sending via mail AND I returned it to them. For someone who was just taken for their account, I did not feel like their policies were sufficient in helping me get some answers. I now have to wait up to 90 days for any additional information regarding what's going to happen.
Product: Checking or savings account

On XX/XX/2024 I received a notice from XXXX that I had opened a new checking and savings account with Huntington Bank. I never opened these accounts and contacted Huntington bank and informed them that these accounts were fraudulent accounts. I was told that the accounts would be closed and a letter sent. On XX/XX/XXXX I received a letter from Huntington bank stating that my address was changed. I again called Huntington bank and explained that I never opened these accounts and that they were fraud. This time however the representative would not answer my questions because she said I could not verify the information. I asked how could I verify the information when I never opened the account. I was transferred to a manager who stated that their fraud department was working on the account and I would receive a letter shortly. In the mean time I filed a police report and froze my credit and chexsys. On XX/XX/XXXX I still had not received any formal closure letter from Huntington bank and sent the letter from Identitytheft.gov that they recommended I send. It was the letter stating that I was a victim of identity theft, the notice to furnishers of information : obligations of furnishers under the FCRA and a copy of my drivers license. I have still to receive anything from Huntington bank stating that these fraudulent accounts are in fact closed.
Product: Debt collection

I called and requested information on the accounts and the company was giving me the run around. I was also told that the accounts were opened in the year 2014. More than 7 years ago. I sent XXXXXXXX XXXX XXXX XXXX XXXX  a Request for XXXX validation letter in which I am awaiting response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed dispute XXXX with the CFPB against Transunion on XX/XX/XXXX regarding the inaccurate reporting of a late payment on a credit card account. The negative information caused my credit score to drop by over 70 points. 

I received a response from Transunion on XX/XX/XXXX explaining that they would investigate the matter but they have no record of my initial dispute. On the same day that Transunion responded to the complaint they also notified XXXX XXXX of the significant drop in my credit score even though the information was in dispute and the investigation had not been completed. 

XXXX XXXX decreased my credit lines based off of Transunion reporting dated XX/XX/XXXX. XXXX XXXX proceeded to decrease my lines of credit through XXXX, XXXX XXXX, and XXXX XXXX further effecting my score. 

I had not requested an additional credit card or an increase so I did n't understand why a report was being pulled on XX/XX/XXXX or why I was up for review. XXXX XXXX customer service representative explained that no request had been made and I was not up for review but that Transunion just reported the significant drop in score and other negative information. 

The error regarding the late payment was quickly corrected on XX/XX/XXXX. My credit score was  updated and increased however not to its original score. I explained to XXXX XXXX on XX/XX/XXXX that the error was corrected and my score was up. They told me I had to request a credit line increase and pull my credit. However my score was still down over 70 points. The representative at XXXX XXXX explained that Transunion would have to notify XXXX XXXX with the change or update to my report before a new report and score would be considered to increase my credit line. Even though the error was corrected and my score has increased, this error and the reporting by Transunion after I filed a complaint has continued to be detrimental to my overall credit and finances with back to back credit line decreases. Transunion has not notified or updated my information and XXXX XXXX continues to decrease my credit lines. I do n't make late payments to XXXX XXXX or anyone else nor am I in jeopardy of not being able to pay my bills. I did not make a late payment however I 'm being treated as if I have and my credit continues to be effected. Why exactly was the drop in score reported while in dispute but once it 's corrected it does not trigger reporting or an update to creditors. This is an unfair practice. 

I would like my information updated. I would like my credit lines increased. I would like my credit score to stop being effected over an error that has been corrected.
Product: Money transfer, virtual currency, or money service

I have XXXX in my account and every transaction I make gets declined, I cant withdrawal any money or send any money to people, says I dont have enough money in my account..
Product: Credit reporting or other personal consumer reports

I disputed and asked for verification with XXXX of a debt of {$29.00} listed as a derogatory debt owed to Oliphant Financial , LLC ( Oliphant ). I also wrote Oliphant Financial LLC at their address of XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX with a debt. They did not respond within 30 days and their website googled shows they are permanently closed. ( see link below. XXXX has listed the {$29.00} alleged debt as disputed but have refused to verify it per the FCRA section 611 or remove it from my Credit Report causing my Credit score to drop XXXX points. Oliphant could not provide me with verification of the debt, what it was for, or any contract that substantiated it. Neither could XXXX. 
Nevertheless, XXXX refused to remove the derogatory {$29.00} and has violated the FCRA sec 611 et alia. Their website is non responsive, not allowing log-in. 
.Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX