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

The following accounts are not reporting accurate information on my credit report. I have sent letters to the credit bureaus numerous times and yet, they still keep closing the investigation and indicating that the information being reported is accurate. The FCRA requires that the information reported on consumer 's credit report be accurate and if not, it must be deleted. Therefore, by law, the following accounts must be deleted as per the FCRA and the inaccurately reporting accounts. 

XXXX Card - misreporting on XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX - misreporting on Equifax Additionally, I have informed the credit bureaus ( Equifax and XXXX ) that the addresses below are also inaccurately reporting and should be removed from my file as they are not my addresses. 

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

Good Day This credit company isn't reporting my information correct. 

1. The history shows there reporting only two years of credit history. 
XXXX 's account in XXXX 2. I have never had a late payment. 
Why is my score so low? two months ago my score dropped again over 50 points and i do not see why. 

3. XXXX XXXX - isn't correct. I have never had 4 accounts. 
This reporting isn't correct. These accounts are not mine. It is impossible that i hold 4 accounts with them. I've tried for over two years to deal with this creditor, in terms of correctly reporting my history with them. I've gotten no where. Sometimes, the company has stated to me that, i am not in there system. 

This reporting is effecting my life, its prohibited me from getting credit that i need. 

4. XXXX XXXX  - I don't know that company, never did any business with them, they have yet to prove how i would be affiliated with them. This account is not mine. this account needs to be removed from my credit report. 

5. XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX {$470.00} I have never had a XXXX XXXX XXXX account this account was opened fraudulently. I knew nothing of this account until seeing it on my report. 
The account is not mine. The account needs to be deleted from my credit report. 

6. XXXX # XXXX This account is not mine. I have never had an account with this creditor .The account is fraudulent and needs to be removed from my report. 

Thank You
Product: Credit reporting or other personal consumer reports

US Bank erroneously reported to the credit bureaus that the house I owned at XXXX XXXX XXXX in XXXX, GA, was foreclosed upon. This is patently false. The home was never in foreclosure. I sold the home to XXXX XXXX XXXX on XX/XX/year>. No foreclosure agents or attorneys were involved. US Bank can not produce a single court document backing up its assertion. When I spoke to representatives of US Bank last week, a person from their Loss Mitigation Department admitted that the entry was an erroneous one, and promised to correct it. But then I got an email from US Bank stating that their assertion of foreclosure was correct and that they will not correct their false assertion. My attorney in XXXX, XXXX XXXX, can back up everything I have said in this statement. US Bank has never dealt fairly with me and I almost sued them before for difficulties they presented in allowing me to come off their mortgage forbearance program and resume regular mortgage payments, with the deferred payments tacked onto the end of the mortgage. Internal communications within US Bank are atrocious and one hand never knows what the other is doing. I want my credit reports corrected NOW. If US Bank can produce a single court document that shows my property went into foreclosure, I will retract my complaint. I am attaching a document that affirms the sale of my property WITHOUT any foreclosure actions attached to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, XXXX XXXX XXXX XXXX, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the following XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Product: Credit card or prepaid card

XX/XX/XXXX - Received two packages from XXXX XXXX. One was a bigger box and contained multiple books. The other was a smaller package and contained only one book. Because I did not order these books, I checked my credit card. I found an unauthorized charge of {$220.00} and then opened a fraud claim with Bank of America. The representative on the phone immediately reversed the charge. I was informed that I did not have to take any further action. - XX/XX/XXXX - Received an official BoA letter informing me of the credit to my account and that if additional information was received to reopen the case, I might be contacted again. 

XX/XX/XXXX - Received an official BoA letter informing me that " no fraud has occurred. '' - XX/XX/XXXX - Called BoA. The representative informed me that the case would be reopened for the fraud department to check. Told me to also contact the merchant, XXXX XXXX, directly with my information in order to better sort out the situation. A representative of XXXX XXXX, XXXX, told me to write up this timeline and include my phone number for contact. - XX/XX/XXXX & XXXX, XXXX - The merchant representative, XXXX, sent a XXXX  truck to pick up the books. They were picked up and sent back. - XX/XX/XXXX - I received email confirmation on the merchant 's side of receiving the books. They claimed to have sent BoA the money, and that now BoA is responsible for giving me my money. - XX/XX/XXXX - Still have not received my money. XXXX XXXX and asked for update. 

XX/XX/XXXX - XXXX said in an email : " Dear XXXX, Your are welcome. This will show up. It can take from XXXX XXXX or more business days for the reversal to be done. There is nothing more we need to do on this matter. '' XX/XX/XXXX - Called a BoA rep. Explained ALL of the above. Was told to send a paper letter detailing all of this, along with SCREENSHOTS OF EMAIL EVIDENCE to BoA. 

XX/XX/XXXX - BoA said they received my letter. Would get back in 30 calendar days. 

XX/XX/XXXX - Received the exact same letter again, although I did not send a new letter. Very confusing, XX/XX/XXXX - Called BoA, was told the case had been closed despite BoA NEVER GETTING BACK TO ME. Rep reopened the case and told me to bring paper evidence to my local BoA branch to be faxed to XXXX. Decided to report this outrageous story to the CFPB. Still have not gotten my money.
Product: Money transfer, virtual currency, or money service

Greetings, PayPal froze my account with {$1700.00} For no reason. I can not withdraw funds to bank. 

My account Id. XXXX XXXX
Product: Vehicle loan or lease

Upon having my credit ran numerous times after only iterating to have it ran once XXXX XXXX at Texas XXXX XXXX got an approval from UNITED AUTO CREDIT for the Selling Price {$66000.00} 90-Day Limited Warranty Included 1-Year roadside assistance Included Vehicle Service Protection Edit XXXX mo. / XXXX mi. / XXXX ded. 
{$2100.00} Guaranteed Asset Protection Edit XXXX mo. 
{$890.00} Everyday Protection Edit XXXX mo. 
{$1900.00} Taxes and fees {$4500.00} Shipping Fee - Est. Subtotal {$76000.00} Due Today Refundable deposit to hold this vehicle {$240.00} FINANCING INFORMATION Down Payment {$50000.00} XXXXXXXX XXXX United Auto Credit Corporation APR 15.65 % Finance Term 60 months Number of payments XXXX Amount Financed {$26000.00} Finance charge {$11000.00} Monthly payment {$630.00} Registration AddressEdit Edric-DashayGray XXXX XXXX XXXX XXXX XXXX XXXX Delivery AddressEdit XXXX XXXX XXXXXXXX XXXX XXXX, XXXX after such interaction i never receved full disclosure or notice of all info included in contract nor did i get a chance to review truth in lending disclosures after further working and sending in documents my deal was reversed due to unforeseen circumstances which are not accurate, i was also never given the notice to optional credit life insurance included in the finance charge, under TILA i was supposed to receive full disclosure of all information involved in this closed end credit transaction within parameters of OCC and TILA creditor/lender/dealership is at fault for willingly and knowingly withholding or not disclosing all information involved in consumer credit transactions " Federal law authorizes the OCC to order supervised institutions to make monetary and other adjustments to the accounts of consumers where an annual percentage rate ( APR ) or finance charge was inaccurately disclosed under certain circumstances. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped when I paid off the balance of my credit card IN FULL BEFORE THE DUE DATE and my credit score dropped. I disputed it and told Experian I had a problem with Experian, not XXXX XXXX in my dispute report. Selecting XXXX XXXX for the online report was the only was I could create a dispute. On the same date ( XX/XX/XXXX ) that my dispute was resolved and updated, Experian raised my credit score. 

The very next month, I paid off my credit cards in full before the due dates and the same thing happened. I tried to start a dispute online and the website would not let me. I got a message that said I could not dispute the same issue. I called Experian customer service and told them the issue and the person on the phone said I could not dispute Experian. When I said I did the month before, he said it wasn't true. I asked why my credit score dropped about XXXX points and he said " I can't give you credit advice. '' I didn't ask for credit advice. 

Paying off credit card balances in full every month before the due date should increase my scores and FICO, not decrease it two months in a row by about XXXX points. My credit utilization has remained well below 20 % for several months. Decreasing my score has increased my car insurance renewal price and will cause higher interest rates if I need a loan. I am also concerned that I will have irreparable damage to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents detailing where my consumer rights are being violated by this company XXXX. The company has sold this alleged account to a debt collector XXXX XXXX, after several inaccuate reporting found on this account it has been removed from my consumer report but XXXX is still reporting the account as derogatory on my consumer report. How can a company sell a debt and still report the debt as active to the credit reporting agencies? This a clear violation of 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap!! 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am from NY and I have received a XXXX traveling amount to go to NY even though I live here already! I have statements using my card in Ny and I was never out of state. Also a charge was made at a store I believe to be at some sort of airport with my info! 
XXXX : {XXXX} Store : {XXXX}
Product: Debt collection

On XX/XX/XXXX I was contacted by Eastern Revenue Services attempting to collect a debt from XXXX XXXX of over {$10000.00}. 
I previously requested validation from XXXX XXXX on several occasions via phone request in XXXX XXXX XXXX and XXXX. 
XXXX failed to respond and send proper documentation even after providing them with updated information for me. 

The debt was not validated and my information was illegally sold to Eastern Revenue who is now making collection attempts for debts that were not validated. 
I spoke with XXXX at XXXX. XXXX refused to provide me with an accurate date that he saw my validation request and had to search back to XXXX. XXXX attempted to email me a new debt validation after I had already previously did not receive a response within the appropriate 45 day window from my initial request. Because XXXX failed to supply the demanded proof of the alleged debt, it should be noted that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Checking or savings account

I reported an unauthorized transaction on this account from the XXXX XXXX for {$34.00} in XXXX, 2024. After XXXX months, an algorithm reported that card had been used. I already knew that. 

XXXX Capitol One humans claimed that there was nothing they could do to correct the erroneous algorithm. " Banking reimagined '' apparently means being a digital post office, with all the charm and helpfulness of the USPS. 

XXXX # XXXX, XXXX # XXXX and XXXX # XXXX were especially unhelpful on XX/XX/year>, with XXXX hectoring me that I should change banks ( I already have XXXX others ) and claiming that no one can challenge the decision of the algorithm. 

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

There are inquiries on my credit report that I do not recognize. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX also employers information is wrong XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to each credit bureau requesting the extended fraud alerts be removed from my credit files. I am trying to purchase a property and it's hindering the process. Experian, XXXX, and XXXX  have failed to remove the extended fraud alerts to date.
Product: Credit reporting or other personal consumer reports

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 15 USC 1681. 

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  has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report. As a victim of a data breach, these accounts and inquiries were created without my knowledge or consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you take the necessary steps to remove these fraudulent items from my credit file immediately. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 {$0.00} XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : MACYS/CBNA Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted on Time : I made the payments on time ; however, due to a clerical error by XXXX, the payment was not processed until after the due date, resulting in an incorrect late payment entry on my credit report. I have attached a copy of my bank statement and payment confirmation showing the transaction date. 
Inconsistent Reporting : There are inconsistencies in how the late payment was reported across different credit bureaus, which further suggests an error in the data handling by XXXX. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

This is very frustrating. There are a lot of errors on my credit report, some even has missing information- my requests to correct these remain unaddressed which had detrimental effects on both my life and credit. My XXXX XXXX is really important to me and having incorrect information on it causes me stress and being rejected on my new credit applications.
Product: Checking or savings account

I reported a fraud on my account twice to suntrust and they ignore it. I was a victim of wire fraud for XXXX. This happened in XX/XX/2019 and they deny my claim. They send paper from the bank and none the sheets had my signature on it but the still took two of my check to make me pay for it and charges fees.i send a disatfied letter about the case and now they claiming they havnt got the letter that I send at the address they gave me .. I also had police report send to the company.
Product: Debt collection

I have a a unverified account from THE BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUSXXXX   Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that THE BUREAUS -XXXX  Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that _THE BUREAUS -XXXX________ Cease and Desist all further communications and collection actives and provide the verification of the purported debt.