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

In XXXX I sent letters to XXXX, Experian and XXXX expressing my concern regarding me not providing permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that reporting of this information be blocked and deleted. My request to block is NOT being made in error ; XXXX is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to NC STATE EMPLOYEES with this complaint. I sent them a letter with respect to the errors in my report, for example, date of last action, date opened, date revealed, installment status and so on. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. Anyway when I checked my report, I saw no progressions made by any stretch of the imagination. The false information are still being reported. My privileges have been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. 15 U.S.C 1681 segment 604 A Part 2. It likewise expresses a shopper revealing organization can't outfit an account without my composed guidance.
Product: Credit card or prepaid card

A merchant charged me {$300.00} three times in an unauthorized manner, eventually providing one credit on its own. On or about XX/XX/XXXX of this year, I opened two disputes for the other two amounts. The credit card company, Citi, provided a credit for one of the remaining disputes and mistakenly closed the other one, leaving a disputed amount of {$300.00}. I've called three times to try to get the last dispute handled properly. First, I was told it was too late, and nothing could be done, even though I provided everything requested on a timely basis. I called and another agent found a dispute specialist who told me to submit the documentation again, which I did that day, XX/XX/XXXX. I called two days later to ask if they had the information, and was told that they got my email, but rejected it because everything was not in PDF format - no one told me it needed to be. So, I converted the images to PDF and sent them again. That was on XX/XX/XXXX. I called today to ask if they have the information and was told no. Eventually, the specialist said that he saw my information uploaded to their system - five days later. I asked when I would see a conditional credit and was told I would have a decision about reopening the dispute within 10 business days - still no idea when I will get the credit. Taking five months to correct Citi 's error handling the dispute is completely unacceptable and is compounded by making me submit the same information repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I disputed the inquiries and they kept telling me there were verified. I ask them how were they verified, can I get the proof, they denied my request. I try to file a police report but the kept telling me to just cal the bureau. I sent them numerous dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Accounts # XXXX, XXXX, XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, Wells Fargo account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights. 

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

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX This company is reporting fraudulent Information on my credit report and the refuse to send me valid validation documents to show I am the owner of this account. The account was supposedly opened XX/XX/2019. The amount showing owed is XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my report, but this time I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the issue remained. I'm extremely frustrated by this, and I urge you to carefully review the documents I've submitted to resolve this matter immediately and give me peace of mind.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I know that reading my credit report that you say i have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so i can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts.
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the following information in my credit report. I have contacted the company reporting this information, FAIR COLLECTIONS & OUTSOURCING, but they have not provided me with any information regarding the debt. The details of the account are as follows : Account Name : FAIR COLLECTIONS & OUTSOURCING Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account, {$6900.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$6900.00} Balance Updated : XX/XX/XXXX I believe this information is inaccurate because I have not received any documentation or validation of this debt from FAIR COLLECTIONS & OUTSOURCING. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this information be investigated and removed from my credit report if it can not be verified. 


Thank you for your prompt attention to this matter. I look forward to your response. 

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

I filed Bankruptcy ( Chapter XXXX in early XX/XX/XXXX ). It was reported to my credit report onXX/XX/XXXX  and listed as fully discharged on TU XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on XXXX, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. TU is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed that i had fraudulent accounts on my credit report. Please remove accounts from my credit report immediately they are hurting my ability to gain credit.
Product: Credit card

THIS ACCOUNT IS NOT MINE, THIS ACCOUNT WAS ALREADY DEEMED NOT MINE IN A PREVIOUS INVESTIGATION, AND NOW TOTAL VISA IS ALLEGING THE ACCOUNT IS NOW MINE 1 ) TOTAL VISA LETTER DATED XX/XX/year> : ALLEGING ACCOUNT IS NINE 2 ) TOTAL VISA LETTER DATED XX/XX/year> : VERIFICATION OF ACCOUNT FRAUD, NOT MY ACCOUNT, AND REMOVING THE ACCOUNT FROM MY PROFILE 3 ) CFPB COMPLAINT PREVIOSLY FILED AND WON : # XXXX AND # XXXX XXXX ) XXXX XXXX POLICE DEPARTMENT REPORT XXXX XXXX XXXX XXXX, & XXXX ALL FILED IN RELATION TO THE IDENTITY THEFT CASE REMOVE THIS ACCOUNT FROM EVERY SINGLE PERSONAL REPORT RELATED TO MY CREDIT PROFILE OR I WILL LITIGATE THIS MATTER AND SEEKS DAMAGES FOR YOUR UNLAWFUL REPORTING, UNLAWFUL CREDIT REVIEW, DECISIONING AND SERVICING OF FRAUDULANT DEBT
Product: Credit reporting

This following account is on my credit report from Equifax via XXXX and I have no knowledge of it. 

XXXX ACCT # XXXX {$64.00} I would like this erroneous information removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a mortgage loan. My loan officer went through a company called XXXX to pull my reports through the three bureaus. The only one they have not been able to pull my report from is Equifax because apprently my report is " blocked '' - not locked, not frozen ... BLOCKED. I can't tell you how many calls I have been on, how many hours on hold, how many people I have spoken to. None have been helpful. It takes about 15 minutes just to get to the point where they will verify my information. It has been a huge frustrating waste of time. I even found on person who seemed helpful and then he hung up on me. From what I gather, all I need is for Equifax to update my address. Right now they have my PO box on file, which is correct, but not enough. I have already escalated this twice and have waited weeks. Now we are down to the wire with my loan and I can't wait 7-10 business days for them to make a small change. I have faxed in documentation to prove my identity and the address but can't get anyone on the phone who can see that I have faxed this in. I just need a real person who cares to help me or I won't be able to get my home loan.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report Equifax : XXXX Account Number : XXXX XXXX  : XXXX  Account Number : XXXX
Product: Debt collection

On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts are coming off, unfortunately, on XX/XX/2020, I pulled my updated credit report and found out a new collection on it with two different account numbers that I did not recognize, not knowing what to do, I searched on XXXX how and where I could do a complaint to accelerate the process of fixing this Issue that at this point I think is an issue with Identity Theft. The TWO accounts with ASSETCARELLC/CAPIOPART that are not mine and they are on my XXXX and XXXX credit report, alleged account # : XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

I received a 1099-K tax form from cash app on XX/XX/XXXX for transactions totalling XXXX USD. 
I do not own a cash app account and believe this to be fraudulent. 
Upon receiving this form I contacted cash app support. Over the course of two weeks I attempted to get resolution but did not get any information from the company and they told me to contact a tax professional as they do not give tax advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a USPS-certified Notice of Dispute letter to Synchrony Bank . Here is the tracking number XXXX. With my credit report cause I notice there was inaccurate and missing information being reported on my credit report. I received a letter back from Synchrony Bank on XX/XX/XXXX reinsuring me that they reviewed my account and verified it is accurately being reported. 

On XX/XX/XXXX I pulled my credit report again to see if there is still inaccurate and missing information being reported on my credit report. The account number is not being reported accurately. On Account Type - Details they are reporting on XXXX as a charge off but on XXXX it's reporting as incomplete. On Account Status it's being reported on both credit bureaus as " Paid '' but still reporting as a charge-off. The date opened is inconsistent between both bureaus. High Credit is being reported as inconsistent. The credit limit is being reported as inconsistent. On XXXX, it is being reported as " Last Reported " on XX/XX/XXXX, and on XXXX is being reported as XX/XX/XXXX even though I sent a certified Notice of Dispute on XX/XX/XXXX. The last day active and the date of the last payment are inconsistent across both credit bureaus. Payment history is being shown as incomplete and inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collection accounts with XXXX XXXX on my XXXX. The original creditor is XXXX XXXX. These accounts are reporting as open. A collection agency can not report as an open account with past due. I disputed this several times with no resolution other than saying the debt is valid. They are breaking the law as they are NOT a lender and can not have an open trade line. 

Second, those same two accounts are being reported by XXXX XXXX on my Experian even though they sold the accounts to XXXX XXXX. Imdiaulyed this as well for reporting twice for the same credit line but again, it only comes back As verified.
Product: Checking or savings account

I had an account with Chime Bank since XXXX  XXXX then my account was token I don't know why I lost my card a few timese and it was used a few times without my consent then my account was closed
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding how Zelle handles disputes. They told me that recovering lost funds was impossible and that tracking transactions was infeasible. Zelle failed to investigate my claims
Product: Debt collection

I was threaten by my case manager several times in the beginning of my debt being sold to this company. I was threaten over and over again. However, once I set up a payment plan with this collection agency Citi Bank continues to post on my credit report that they are not receiving a payment. Where is my money going? Why am I being threatened?
Product: Mortgage

Well I wasn't there on closing... But my wife closed the account ..Never explained any details.. 3months.she filled divorce .. took control of the house.. got a protection order to keep me away.. idk if extra money was loaned or not.. bank accounts was emptied and closed.. I have no assets... She controlled everything.. I was out out wit nothing. Help..
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a Walmart Credit Card that was issued in 1977 recently closed out due to inactivity for a few years. I was not notified of this in advance according to California civil code 1747.85. 

I contacted Walmart by phone and they refused to re-open the account for me. I was very disappointed to lose this credit history of 39 years!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I recently received a copy of my credit report. On my report it show a collection account for receivable performance for {$82.00}. I never received anything stating this was being placed on my file or that I ever owed this debt! Because I did not recognize this account as being mine I sent a certified letter asking for VALIDATION of this debt to the collection agency on XX/XX/XXXXwhich was received by a representative of the company on XX/XX/XXXX. I requested that this debt be Validated within 30 days of receipt of my letter.. and if they were unable to send Validation Per the FCRA guidelines the alleged debt should be removed from my credit file. I have the right to have a alleged debt validated. As of today i have not received any communication from the collection agency. Per FCRA if they can not validate this alleged debt I must be removed as a account on my credit file because it doesnt belong to me! I am now asking that the information be removed from my file as the debt has failed to be validated. I am trying to obtain financing and this black mark has been detrimental to my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 I received a letter in the mail informing me that my auto loan with Bank of the West was being transferred to BMO BANK. All future payments beginning XXXX XXXX were to be made to BM0 Bank, On XXXX XXXX I authorized XXXX XXXX XXXX to send BM0 Bank {$900.00}, ( XXXX XXXX XXXX  ) from my checking account, This transaction was made by electronic banking services which I use to pay my bill, In the authorization of this first BMO payment I entered an inaccurate account number. To this date BM0 has denied receiving the payment XXXX XXXX XXXX  has been assisting in tracking this payment, Numerous telephone calls have been made and recorded by both banks. As of our last XXXX party conference call on XXXX XXXX, B3M0 Bank disconnected the call abruptly with no resolution or explanations, XXXX XXXX XXXX  informed me they will have their legal debt, review the matter and suggested I report this matter to The XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There is an inquiry on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX