23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I began experiencing issues with XXXX XXXX related to inaccurate and harmful reporting on my credit file. Despite my efforts to dispute this account under XXXX XXXX Account XXXX. : XXXX, the company has failed to correct the inaccuracies and continues to report negative information to the credit reporting agencies. Specifically, XXXX XXXX reported a charge-off with a balance of {$32000.00}, which remains on my credit report, despite my formal dispute. 

I submitted a formal dispute and a Cease-and-Desist request, yet XXXX XXXX continues to report this disputed account to the major credit bureaus ( XXXX, Equifax, XXXX, and XXXX XXXX. This violates the Fair Credit Reporting Act ( FCRA ), as XXXX XXXX has not conducted a reasonable investigation, and the Fair Debt Collection Practices Act ( FDCPA ), which prohibits third-party communication after a cease-and-desist request has been issued. 

Additionally, XXXX XXXX 's response to my dispute on XX/XX/XXXX, failed to address the issues. They placed the account in Cease-and-Desist status but continue reporting negative information, impacting my credit standing. 

I request the CFPB to investigate XXXX XXXX for their failure to comply with FCRA and FDCPA regulations and take corrective action to ensure the removal of the negative reporting from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts online to order my free annual credit report from Equifax. Each time I received an error that my identity could not be verified. I would call them and went through several discussions with the representative regarding my report, and my identity was verified correctly. This has occurred several times since XX/XX/2019. I made another attempt approximately 5 days ago and the representative again said that I needed to submit my request in writing although I had correctly answered all challenge questions. I indicated I would report Equifax to the Federal Trade Commission for refusal to send my report and that they had not corrected any issues that prevented me from receiving my free credit report. She asked me to hold and returned in a few minutes and said that she would send me a free copy of my credit report. I went back online to report an error and the system wouldn't work. I called and she said they were updating their system. This has occurred more than once. It finally worked after I told them again I would report them to the FTC. 
I also noticed on the Equifax report I finally received that my current and former residential addresses were reversed, although this was supposedly corrected in a previous phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am having issue 's with getting some fraudulent accounts off of my credit. My last Complaint ID was XXXX. One of the accounts reached back to me to forward them documents to prove that the account was indeed fraudulent. I have recieved notice of them getting the information. I've attached the documents below and I have sent them evrything they have asked for. I haven't seen any change in my report or have i heard back sense. This has been a very hard process of dealing with identity theft but, i know with the help of you guys something will be done. Thank you.
Product: Debt collection

I opened a credit card account with Big Lots in 2016 my credit limit was very high. I also had an account with XXXX XXXX as well. I make my payments for both Big Lots and XXXX XXXX XXXX Comenity Bank for my payments. Big Lots I have auto pay and XXXX I have paid them off. Comenity Bank when asked about why my credit limit was lowered, XXXX XXXX of the customer service reps said to me, it was because of my credit score. I called back to see what another customer service rep would say if I asked the same question. The next time I called I got Destiny, who said that Comenity lowered my credit card limit because of my credit card score. Comenity teaches their customer service reps to LIE. It is funny when I paid off XXXX XXXX and I told the customer service rep to close it, because I really didn't like the makeup. The next thing I know they lowered my Big Lots credit limit, I thought that to be very odd. The LIE these 2 customer service reps XXXX and Destiny told me because of my credit score, when my score is over XXXX makes me very angry. I pay more than I am suppose to pay, and my balance doesn't go down much. By now it should have been paid off. Comenity is a very crooked bank to deal with and they teach their employees to tell LIES. From the complaints I have read I see I am not alone. They should be closed down from being unfair to the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon, within the congressional findings of the FCRA 15 USC 1681 ( a ) ( 3 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

You guys have assumed this role and the information down below breaks federal law. I never gave anyone permissible purpose to furnish my information pursuant to 15 USC 1681b furthermore your company is not exercising their grave responsibility which is to report accurate information. 

Delete the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my report within 30 days. 


I am aware of the deception and misuse of my credit card. I am demanding you send the consumer file as well as an official consumer report to the address listed above. I demand deletion from these accounts for the invasion upon my privacy and by making a false, fictitious, or fraudulent statement or representation in pursuant to 15 USC 6821. I will be waiting for my response through mail and an updated consumer report with these inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Bank Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602A, states I have the right to privacy.

15 USC 1681 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Hi, I went overseas with my XXXX XXXX XXXX daughter in XX/XX/2022. I called the bank and told them about my trip and not to put a block on it. Representative said that I made a note and your card will not go on block. when I arrived there, and I wanted to buy stuff for XXXX my card got declined. All i had was one bank of america credit card that I was suppose to use for making purchases on this trip. I reached out to bank of america multiple times and they put a block on my account and told me that I will need to come to the bank of america financial center in US. I was suppose to be there for a month. I had to take a loan with an interest over there and had to cut my trip short. 

when I arrived back home, I went to the bank in person and told them about the situation, they didnt do anything about it. 

recently i tired to setup autopay and they told me that they can not set up auto pay because they want the authorization again and that i never went to the bank in person what happened in XXXX. i told them I went there and that is how i am able to use my credit card and they said there is nothing they can do about it. 

I feel like they are giving me hard time and making unreasonable requests. I have an XXXX  and its hard for me to go to the bank in covid times over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I completed a consent form for XXXX to conduct a background check. On XX/XX/2019 I received an email from Faye Servicing HR representative, XXXX XXXX that said the following, " Hi XXXX, sorry for the delay I had to confirmed a couple of things. Unfortunately we will not be moving forward due to some of the results in your background check. 

You will be receiving an email from XXXX in regards to our decision, a copy of your report and some options available to you as well. 

As of today I still have not received the report or had an opportunity to review what was reported about me.
Product: Credit reporting or other personal consumer reports

I monitor my credit very closely and suddenly there was a XXXX drop in my score from XX/XX/XXXX to XX/XX/XXXX, though there was not a single change in my credit factors. 

Trans Union concurred that there were no changes in my balance history, utilization rate, payment history or age of credit, but stated that because the change happened in XXXX, they could not look into it. XXXX XXXX, the Supervisor for XXXX XXXX, insisted that there are confidential credit factors that determine my score and they are not privy to those factors. I repeatedly asked for an investigation and was told I could only have an investigation if something was inaccurate on my report. I have reviewed my credit report ( from all agencies ) and nothing changed except the reported score. It went from XXXX in XXXX to XXXX in XXXX. Again, I maintain a XXXX balance on all credit cards, my on-time payment history is 100 % and my age of first credit is XXXX. 

This is negatively affecting me, and I want my score restored!! TransUnion should not be allowed to report scores if they are unable to justify the calculation and factors that enter into the score determination. 

Further, XXXX XXXX should NOT be a supervisor if he is unable to speak to an escalation with any level of intelligence or authority.
Product: Credit reporting or other personal consumer reports

This account was charged off on, ( XX/XX/year>. ) Since then this account has repeatedly been updated as chargeoff every month. There is an update in the payment history. A chargeoff account should NOT include an active payment history. This inaccurate information falsely manipulate the stature of limitations. You failed to investigate this account properly and your negligence has violated my rights. I am demanding a deletion of the following account : XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
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 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

In acordance with the Fair Credit Reporting Act ( XXXX XXXX  XXXX XXXX ) ( XXXX XXXX  XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ( XXXX 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 XXXXXXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX  ) ( XXXX ) ( XXXX  ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1679 a, states i have the right to dispute inaccurate information in my credit report. 
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, also states, a consumer reporting agency can not furnish my account without my written instructions. 

I DISPUTED THESE ACCOUNTS WITH ALL 3 BUREAUS AND INFORMED THEM THESE ACCOUNT WHERE REPORTING INNACURATE INFORMATION AND THAT THE ABOVE ACCOUNTS WERE VIOLATING MY RIGHTS, AND SOME MAY HAVE BEEN THE RESULTS OF IDENTITY THEFT. HOWEVER, I WAS UNABLE TO GET ANY SATISFYING RESULTS.
Product: Debt collection

On XX/XX/XXXX a guard rail was damaged in a vehicle accident on the Florida XXXX. The driver of a truck owned by me was run off the road, Even though there were 2 witnesses to this fact the Trooper ( she was new/in training had to call her supervisor to ask what to do ) charged him with the accident. We hired an attorney and the witness statements were reviewed so it was dismissed, no charges to the driver. XXXX XXXX company confirmed if no charges then there is no liability to pay for the guard rail. This was all communicated to : XXXX XXXX Claims Assistant, Office of the General Counsel - FDOT, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX, Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. All documentation of dismissal and attorney 's contact information was provided. 
But then on XX/XX/XXXX I received a collection notice for guard rail damage {$6100.00} due to FDOT from Municipal Service Bureau, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 
It stated I could dispute within 30 days and they would mail back to me a verification of this debt. I then sent them a dispute letter via certified mail and I have proof they received it XX/XX/XXXX. I requested they check with FDOT as there is no liability on my part and I requested they close the case as invalid. As of today they have not mailed me any type of verification. They continue to have their agents call and leave messages that I need to pay this invalid debt. When I call back asking about my dispute no one will even acknowledge I sent one. I am being harassed over a debt that XXXX XXXX Co would have promptly paid if I owed it. I have a full property damage policy. I have again written to them today requesting they cease and desist.
Product: Credit reporting or other personal consumer reports

Hello, There was a negative item listed on all my credit reports under the " XXXX XXXX XXXX '' for the XXXX Collections account. 
I was sent a XXXX XXXX XXXX from XXXX for the outstanding amounts. 
Please see attached. 

In essence, since I was sent this by the XXXX, this Collections amount is no longer applicable as XXXX already claimed the amount as loss and sent it to me as an income and debt cancellation also. 
Therefore, this is a violation of collecting on debt that is no longer active. 
Also, the statute of limitations has expired/lapsed as well for XXXX XXXX. 

This negative item needs to be removed from all credit reports immediately. 

Also, there are some inquiries that are still showing on the report that should have been removed several months ago.
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/XXXX, I transferred {$1100.00} via Western Union to a friend in XXXX ( name, XXXX XXXX ). The transaction Tracking Number is XXXX. Western Union charged a {$15.00} fee, as well as taking a profit on the currency exchange of approximately 5 %.

I made the transfer based on Western Union 's representation that the funds would be available to the transferee in " 1 to 2 business days. '' The funds were not available in 1 to 2 business days. It's now been 3 full business days and the funds are still not available.

I called Western Union to ask about the status and get a refund of the {$15.00} fee since Western Union did not perform as promised. The agent I spoke to lied to me ( she said the funds " are now available '' when they are not ), that it was " not possible '' to refund my fee, and then said she was transferring me to " the department that can help you. '' She then transferred me to a dead line. I was courteous at all times during the call, but would not accept answers from the agent that were obviously false.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX Subject : Request for Debt Validation Dear XXXX I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. 
The details of the debt in question are as follows : Creditor Name : Firstpoint Collection Resources Account Number : XXXX  Amount : [ Amount ] In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt.

o The name, address, and contact information of the original creditor.

2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been ad
Product: Mortgage

this is the second time iam filing a complain on midland mortage about my mortgage documents.i went back to viginia on XXXXmet up with my wife at XXXX  and we both sing the papper in front of a notary and sing the papper the send me in the mail.theme to california.XXXX XXXX XXXX XXXX XXXX XXXX XXXXand XXXX informend me they delivy theme.on XX/XX/XXXX XXXX am.i also have a tracking # .so i dont know what they are talking about.i was put in to a forbearance be fore they took over my mortgage.they suspose to get me in to a morforcation at the end not trying to take my house that i live in for the last 13 years.they dont care a bout home owener they just want to take my house.like i said.every papper i gave to them some thing is worng with them.my next step is contact. ATTORNEY GENERAL OF PENNSYLVANIA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always had excellent credit. This last month I noticed a XXXX drop in my credit rating. I found that a credit card was compromised during a two-month period for monthly payments of {$28.00} each. This has since been corrected, but how can I fix the credit report?? I am devastated.
Product: Mortgage

I had a foreclosure back in 2011 with Ocwen Loan and they sold the loan back at that time as well but they have continued to report the foreclosure as if it is a current foreclosure instead of the correct date of last action for them which is XX/XX/XXXX2011
Product: Checking or savings account

In XX/XX/XXXX my son was XXXX XXXX XXXX XXXX XXXX, and we received a check from the insurance company. I opened a custodial account for him on or about XX/XX/XXXX at XXXX XXXX  with both of our names on it. Over the years the our account ended up at Chase bank, and at some point it became a CD account unbeknownst to me why, and at some point his name was dropped, as my name was the only name showing on the statements. My Son passed away XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX at the XXXX ca branch and spoke with XXXX, I went to Chase to close the account. I was told by him after he made a call to discuss my request I was told the account was court ordered. I requested a copy of this alledged order. I was told because this account was over 30 yrs old the banking records and how things are handled are different and was told that between the transfer of funds from bank to bank there were no records, and no records of my Son 's name, just my name, they couldn't find any information for my Son. I returned to the bank with proof of a statement sent to me from Chase bank with both of our names on the statement so at this point he called the escalation dept and spoke with XXXX who after checking i was told again there is no record of this account being a " joint/custodial '' account and their only record is it being a court order and my name only on the account. I was frustrated but kept my cool. XXXX went and spoke with XXXX XXXX, the Bank Manager. XXXX XXXX invited me into her office to get an understanding of the situation, and I was told by XXXX to bring the copy of the statement and my Son 's death certificate and she would write an escalation letter on my behalf. I received a call from XXXX mid XXXX to regurgitate the same response. My name is the only name listed on a 30 plus account that contains banking errors. Why do I have to suffer and feel like a human " ping pong '' ball? I am asking for your help with this issue, please. I think with all of their publicized critism from their current and former customers I am another victim. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

I has a Banana Republic card through XXXX. I paid off the account and the account was closed by XXXX due to inactivity. I called and confirms this with a representative. When Barclays took over Banana Republic Credit they sent me an invitation to activate an account with them, but I declined. I discovered in XX/XX/XXXX that an account was opened for me and I called to request them to close the account. In XXXX I called again asking to close the account. In XX/XX/XXXX an agent assured me the account was closed. XX/XX/XXXX I received a delinquency notice because they charged me an annual fee and then added late fees. I wrote a letter and sent it to Barclays explaining the account was opened without my permission and asked them to close the account. XX/XX/XXXX I received a letter from Barclays saying they investigated and found there is no fraud on the account and that the account is in good standing. I called and requested the account to be closed AGAIN and was told they can not close the account. Not to mention every time I call in to try to speak to someone they ask me for my credit card number but I was never issued a card so I so t have a card number!
Product: Debt collection

Transunion has failed to do improper investigation on my consumer report as a consumer I have the rights to privacy on my consumer report. Transunion fails to report accurate information on my consumer report. Account XXXX XXXX management is being reported as an open auto loan for the past few months which is false information on my consumer report I have sent documents to transunion which they have failed to honer. My rights has been violated under the FRCA. I talked to a supervisor he told me he doesnt knows the congress law or isnt a law expert. I dont feel my information is safe with Transunion and this has made it hard to apply for houses and affordable living. I have attached documents. Transunion Reports them as open auto loan, and XXXX XXXX XXXX adds interest and report late payments, but sends me mail stating there a debt collector this is a attempt to collect a debt, which is another fine.
Product: Credit reporting or other personal consumer reports

INNVESTIGATE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX INVESTIGATE THESE ACCOUNTS XXXX XXXX XXXX Closed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

navy fcu XX/XX/ the company ran my credit without my permission and authorization i would like this fraud inquiry removed from my report