23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received this letter in the mail today and it says that there is a {$4100.00} debt under my name through XXXX. This is not my debt. This debt is suspicious and Im going to file a complaint with the consumer Protection Bureau and Im also going to make an FTC report concerning this debt under my name. What do they sell at XXXX that cost {$4100.00}? Isnt XXXX a cellphone company. I do not use XXXX for my service. I use XXXX XXXX as my cellphone provider for the last 5 years. Im writing you guys back because the letter said Afni Inc is expecting a response from me by XXXX XXXX or they will assume that the debt is mine. I believe that I maybe a victim of identity theft possibly because I did not have XXXX and generate this debt for {$4100.00}. In order to dispute this debt and prove that it isnt mine, Im going to send a copy of a bill that I have from XXXX XXXX and an FTC report because I believe that Im a victim of identity theft. Im going to send in proof of my identity such as a copy of my passport and a copy of my social security card. I have also enclosed the FTC report and Consumer Protection Bureau report along with this letter also.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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 XXXX XXXX XXXX. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX I don't have knowledge on this account. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX I don't have knowledge on this account. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately XXXX. Validate Account XXXX XXXX Account Number : XXXX I don't have knowledge on this account and it's not reporting with other Bureaus. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately XXXX. This address is not mine. I never lived here. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. This address is not mine. I never lived here. 
XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I was charged a {$700.00} charge that was not supposed to and due to this was charged ISF fees. Making my acct negative & I had bills that came out and got more fees. Then Once they deposited the {$700.00} back they never did the last fee and then the acct stayed negative with almost {$500.00} in late fees. And now its over {$1000.00} in fees. 

They should have gave me back my late fees. So my account could be positive.
Product: Credit reporting or other personal consumer reports

I purchased a car or lease over 10 years ago now at the end of the lease I turned the car around. They were persistent on trying to keep me to continue to keep the car which I did not want the car due to the XXXX transmission issues and was ready to purchase a car which Ive had after that and that was the Infiniti XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Experian and CFPB, I am writing to formally dispute multiple discrepancies on my credit report regarding the account with XXXX XXXX XXXX, which contains unverified, outdated, inaccurate, and misleading information that has a profound negative impact on my credit health and overall quality of life. 

**Account Details : ** - **Account Type : ** Installment - **Bureau Code : ** XXXX - **Account Status : ** Derogatory - **Monthly Payment : ** {$0.00} - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$5800.00} - **Credit Limit : ** {$10000.00} - **Past Due : ** {$0.00} - **Payment Status : ** Collection/Charge-off - **Last Reported : ** XX/XX/XXXX - **Comments : ** Unpaid balance reported as a loss by the XXXX XXXX. 
- **Date Last Active : ** XX/XX/XXXX - **Date of Last Payment : ** XX/XX/XXXX Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inaccuracies present in my report violate this statute and are damaging my creditworthiness. This misleading information not only threatens my ability to secure loans, housing, and other essential services but also affects my mental and emotional well-being.

Additionally, 15 U.S.C. 1681i grants me the right to dispute incomplete or inaccurate information, and it is your obligation to investigate the validity of the information being reported. The derogatory status of this account is particularly damaging, as it misrepresents my financial responsibility and impacts my credit score significantly.

Given the serious implications of these discrepancies, I urgently request a thorough investigation into this matter. I expect you to correct these inaccuracies promptly and ensure that my credit report reflects only verified and accurate information. 

Thank you for your immediate attention to this critical issue. I look forward to your prompt response confirming the actions taken to rectify these inaccuracies. 

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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Venmo suspended my account after I bought and sold XXXX ( {$40.00} worth ). They asked for a photo of my ID which I provided and I was told it would be released in 3-5 days. Then they said it was escalated to an account specialist and it would be released a few days ago. They said the account specialist has no phone number and can only be contacted by email but this person never responds to any messages. I have my family 's grocery money in this account ( {$300.00} ) and I really need to access this. I've been in contact with support chat many times but they say there's nothing they can do. I have no idea how to get my money and they won't help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letters to Experian and XXXX   disputing the following items XXXX XXXX XXXX for {$860.00}, XXXX XXXX XXXX for {$550.00}, XXXX XXXX XXXX for {$6400.00} advising that I have no knowledge of the debits. In my letter I stated I was requesting a signed confirmation with my signature that I opened the referenced accounts. Under the Fair Credit Reporting Act, 15 U. S. C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their file at the time of the request concerning all the accounts that are reported on my credit report. I saw where they removed XXXX XXXX XXXX from my report and then they added it back to my report. As of XX/XX/18 no one has notified me about my dispute or submitted any documents to me with my signed signature for all three referenced accounts. I am requesting that all three accounts be removed from my credit report immediately by publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness. I am attaching a signed copy of the letters that was submitted to Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 
" see attachment ''
Product: Credit card or prepaid card

My Mom has a credit card with XXXXXXXX XXXX Credit card. She is XXXX years old. She fell at the beginning of XX/XX/XXXX and was admitted to the hospital. She was in the hospital for 3 weeks and now in a XXXX XXXX ever since. I live in another state and my sister lives an hour half away from my mom. We were able to get my mom close to my sister. Over XXXX XXXX weekend I was able to go home to pick up the mail and look at all the bills I have called all the outstanding bills including a XXXX credit card. They heard the story and XXXX  waived the late fees and I paid all the bills. When do called XXXX they told they were not able to change or make adjustments accrording to their policy. I was a little frustrated but I asked what the steps we can take to waive the late fees and get the bill paid. They instructed me to have my mom call and add me to the account and say that I can talk to them on her behalf. They said I will be able to talk to them about late fees change address etc.. I said ok I will see what I can do. I called my sister and instructed her the steps. She went to my mom at XXXX. She helped my mom get to customer service to add me to the accout so I can talk to them on her behalf. I then called back to request the late fees. They could see the notes from the previous week and that my mom called to add me to the account. However they were not able to talk to me about late fees because I dont have poa on the account. I was lied to the week before because they did not instruct me on that subject. I wanted to close the account and they told me they could not have all to me on the account. Im very frustrated with them and I have a bad feeling that they pursaded my XXXX  year mother in opening an account.
Product: Debt collection

I received a call from ( XXXX ) XXXX on XX/XX/18 at XXXX then again on XX/XX/18 at XXXX. I pick up the phone and it is an automated message telling me they are calling from something Revenue LLC and are attempting to collect a debt. They give me this number to call them back. The first time I did not answer and they did not leave a voicemail.
Product: Debt collection

Transworld Systems TSI working as a collection agency for XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, has been garnishing my Federal Tax return for the past five years. However, TSI has failed to provide an itemized detail of the original debt, as well as provide statement of the debt balance after yearly garnished tax return payments. 
On three occasions, in writing, via certified mail, I have reached out to XXXX to make income-based payment arrangements. I have been told by XXXX I need to contact TSI ; when I contact TSI they refer me back to XXXX or send a Financial Statement, which I return via certified mail ; three different times. Neither XXXX nor TSI follow-up. But, XXXX/TSI continue to send threatening letters of wage garnishment although, I was unemployed. Now, recently employment working an intermittent work schedule, making {$13.00} per hour. I have been informed by my employer that XXXX/TSI will be garnishing my wages at 15 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the transunion.com website to get my free credit report because I was denied credit at XXXX XXXX based on their report. The only way to get the report was to call them or mail them. It should be available online through their portal. 

Also, credit agencies are giving only 14 days vs 30 days when shopping for loans and I receive hard inquiries within that 14-day period. It takes longer to get information from these companies than 14 days allows. It is negatively impacting consumers nation-wide.
Product: Credit reporting or other personal consumer reports

Good afternoon, A hard inquires appear on my credit without my permission. The first one is XXXX XXXX XXXX XXXX and the second is ( XXXX XXXX XXXX XXXX XXXX XXXX I don't do business with these companies and never had any relationship with stated companies. I asking to have this removed from my report. thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported dispute with XXXX. Said MIDLAND FUNDING WAS CHARGED OFF CLOSED Yet it remains open on credit file as negative & is decreasing my scores.
Product: Credit reporting or other personal consumer reports

Transunion has not allowed me to refresh my report and score for approximately two months, despite my paid subscription that includes that. They also are not doing anything to resolve the issue, and are blatantly ignoring requests for resolution.
Product: Checking or savings account

-XX/XX/2019Unauthorized credit card payment of {$7800.00} issued from my XXXX XXXX XXXX account to XXXX XXXX as below. 
Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/19Payment Amount : {$7800.00} Payee Routing Number : XXXX Payee Bank Account Number : XXXX - XX/XX/2019Unauthorized credit card payment of {$2300.00} issued from my XXXX  XXXX XXXX account to XXXXXXXX XXXX Credit Card as below. 
Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/19Payment Amount : {$2300.00} Payee Routing Number : XXXX Payee Bank Account Number : XXXX
Product: Credit card or prepaid card

My cardmember agreement in the mail shows my annual fee as {$550.00} but customer service claims this was an error and my annual fee is {$690.00} which is a violation of the Credit CARD act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Equifax received notification in accordance with the Fair Credit Reporting Act of Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) for which a block was requested pursuant to 15 USC 1681c-2 ( a ). I have not seen or been presented with documentation or evidence reflecting the block. 

I furthermore have not seen or been presented with documentation or evidence reflecting reasons for declining the block in accordanc

e with 15 USC 1681c-2 ( c ) ( 2 ). Equifax is in violation of 15 USC 1681c-2 ( a )
for failing to block the information identified as identity theft by I, the consumer.
Product: Checking or savings account

Call citi and tried to close account. they wanted secret word but I did not know it. 

They said they could not do anything and to write letter. 

I did and sent it around XXXX Still not heard anything
Product: Credit reporting or other personal consumer reports

Hello, I filed several disputes through the company Experian. Experian has failed to fulfill its legal obligation under ( FCRA ) Federal Credit Report Act to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. I recently became aware that CFPB has filed a lawsuit against Experian, alleging systemic issues. Such as failing to adequately notify consumers of dispute outcomes. This aligns with my situation. Experian has neither corrected or remove anything despite the evidence I provided. Im requesting that these derogatory remarks be removed or corrected immediately. Experian inaction violates federal law and my right as a consumer. It has also affect my chances of getting a home, vehicle, XXXX. Accts listed below XXXX XXXX XXXX dist 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 inc- XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on my credit from a company called XXXX XXXX which i had to XXXX them to find out that they were a mortgage company. I never gave them authorization to do a credit check and I don't even know this company. I have never contacted them or asked them for anything.
Product: Debt collection

On last Wednesday I reached out to Midland Funding LLC, Midland Funding in regards to a collection that they placed on my credit report for a credit card bill they said they were collecting on behalf of XXXX XXXX XXXX. I told them during our phone call that the account was not mine and I requested that they check the information that they had but they said I needed to send them my picture ID and a copy of my social security card so they could research the info with a letter stating my name was XXXX XXXX. I didn't feel comfortable doing this so I reached out to the XXXX XXXX credit card company by email and explained the situation and they responded with a letter indicating that they would be removing the claim from all 3 bureaus.
Product: Debt collection

I am filing this complaint against Genesis Credit Management LLC for attempting to collect a debt I do not owe, falsely reporting this debt to credit bureaus, and engaging in harassing practices. The specific issues are as follows : XXXX. Invalid Debt Claim : Genesis Credit Management LLC is attempting to collect {$500.00} on top of the {$220.00} security deposit that was not returned by the original creditor, XXXX XXXX. This amount includes charges for alleged damages classified as standard wear and tear, which I am not responsible for under the terms of my lease agreement. I have provided Genesis Credit Management LLC with a copy of the lease agreement that explicitly states I am not liable for wear and tear, yet they continue to pursue collection. 
XXXX. Unlawful Charges : XXXX XXXX charged me an additional day of rent with a late fee of {$120.00}, even though I moved out on time. Since the property uses a keypad lock, I did not have a key to return except for the mailbox key, which I returned the next day. There was no justification for this charge. 
XXXX. Inaccurate Reporting : Genesis Credit Management LLC inaccurately reported this debt on my credit report, claiming to be the original creditor. However, XXXX XXXX is the original creditor, and this misrepresentation is both deceptive and harmful. 
XXXX. Harassment : Genesis Credit Management LLC continues to call me and my fiance daily, causing unnecessary stress and anxiety. 

Steps I Have Taken : I provided Genesis Credit Management LLC with a copy of my lease agreement proving that I am not liable for the charges. 
I disputed the inaccurate debt with the credit bureaus. 

Despite these efforts, Genesis Credit Management LLC has failed to address these issues, correct the credit reporting, or stop their collection efforts.
Product: Credit reporting or other personal consumer reports

My personal and confidential information was breached in the national data base and old accounts are appearing on all three reports, I am requesting that all three reports is wiped clean.
Product: Checking or savings account

My mother XXXX XXXX passed away XX/XX/XXXX. I have a court order which gave me permission to collect the funds in her account. I had previously contacted the bank to let them know, while XXXX XXXX XXXX XXXX XXXX XXXX  someone hacked into her XXXX XXXX and stole over {$1000.00}. I also contacted the police. The bank stated, due to me not being on her account there was nothing they could do. 
I went into the PNC Branch on XXXX XXXX ( XXXX ) on XX/XX/XXXX. I provided the court order, my identification, and XXXX XXXX XXXX XXXX. I was told I would hear back from them on XXXX I called back that XXXX and was told, the representative who took my information was on vacation and theyre not sure what happened. 
I called back on XX/XX/XXXX and was told there was no update. The representative called me back, later that day and stated a letter had been mailed ; for me to send to probate. As of yet, no letter has arrived.