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

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : [ NO ACCOUNT NAME ] - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, unauthorized and unknown to me. These accounts are a work of a fraudster. My identity has been stolen and highly compromised, therefore I'm demanding that these accounts be removed immediately. 

1 ) XXXX  {$1000.00} 2 ) XXXX XXXX  {$300.00} 3 ) XXXX  {$790.00} 4 ) XXXX  {$500.00} 5 ( XXXX  {$500.00} 6 ) XXXX XXXX  {$790.00} 7 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$470.00} 8 ) XXXX XXXX {$310.00} 8 ) XXXX XXXX {$730.00} 9 ) XXXX XXXX {$160.00} 10 ) XXXX XXXX {$110.00} 11 ) XXXX XXXX  {$60.00}
Product: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : SPRINGOAKCAP Dear SPRINGOAKCAP, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry. 

After reviewing my records, I found no written agreement or signed contract with SPRINGOAKCAP authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that SPRINGOAKCAP provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law.

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law. 

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

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

Sincerely, XXXX XXXX
Product: Credit card

On XXXX XXXX, I booked a hotel room through a website called XXXX. The website operates like traditional sites such as XXXX, XXXX, XXXX. The only difference is that after completing a booking through XXXX, the website will then credit airline miles to the airline of choice that a customer has specified. 

On XXXX XXXX, I booked a XXXX night reservation through XXXX for a stay at a hotel called XXXX by XXXX. I paid {$190.00} for the reservation and was told by XXXX that I would receive XXXX XXXX XXXX miles upon completion. XXXX for the reservation, XXXX as a bonus, and XXXX from a referral. 

However, apparently the site has a condition that in order to receive the miles, it had to be a first time booking. The problem is that this was not communicated to me before or even after making the reservation. Instead, it appeared that the XXXX miles would be credited upon completion but it never happened. After completing my stay on XXXX XXXX, 2015, XXXX only credited my account with XXXX miles instead of the promised XXXX miles. 

I paid for the reservation using my Chase XXXX card and recently called Chase to ask for a chargeback. After explaining the situation, Chase informed me that they " do n't deal with miles. '' They said that since I was able to stay in the hotel there is nothing they can do. 

I feel very ripped off here. I could have booked the hotel through other sites for which I could have gotten better prices and/or discounts such as XXXX, XXXX, XXXX, XXXX. Instead, I booked through XXXX which clearly stated I would receive XXXX XXXX XXXX miles after the hotel completion. 

XXXX failed to deliver on this expectation and as such I expect Chase to refund the money owed to my credit card. 

FYI, I 'm also attaching a snapshot of the completed reservation, purchase price, and that XXXX miles should have been credited. It shows XXXX instead of XXXX because XXXX was from an account referral that was also promised and XXXX again failed to deliver.
Product: Credit reporting or other personal consumer reports

XXXX $ from 7 years ago they wont remove it off my account the information they keep providing is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX and Equifax ; I was shocked and surprised today again when I reviewed my recent credit report and noticed a XXXX credit account in " terminated account status '', which I've called both Equifax and other credit reporting agencies along with XXXX that I have no knowledge of this old XXXX account. I've asked for it to be permanently deleted & removed from my credit report, but it still showing up on the Equifax report. However, i spoke with XXXX  and they mentioned that they've already ordered all the major credit bureaus to remove it but i need to follow up with them at this point - Which i've done! 

I do have an active account with XXXX right now, but i'm not aware of a credit cart that was opened on XX/XX/2009 with a credit limit of {$7800.00}. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and remove them immediately in my report : XXXX XXXX XXXX XXXX Date Open : XX/XX/2015 Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/XXXX my account was overdrawn. I went and deposited money to make positive. In the meantime they charged me the five overdraft fees making my account go back negative. And them two more items came out making it still negative. I called the bank and they told me they could not help me.
Product: Credit card or prepaid card

While going through XXXX treatments, account defaulted. Account was eventually paid off, while going through treatments. Account is still reporting as a collection account even after paid in full and closed, and I did not receive a final statement of closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about a matter of great concern to me. Recently, I found multiple mistakes on my credit report. As I understand it, I have the right to contest these items with Equifax, XXXX, and XXXX XXXX ; and each bureaus is required to conduct investigations into the specified accounts. I contacted the bureaus, and requested investigation via postal-mail, on XX/XX/2019. I expected to receive a response from the bureaus within 30 days, alerting me that the accounts have either been corrected or deleted. As of today, 44 days have passed without a response, and this is unacceptable.
Product: Checking or savings account

Deposited a 14000 check. Receipt said it would be available next day. After the fact Wells Fargo put a hold on it. Said funds werent available. It was a check from XXXX insurance on a XXXX XXXX XXXXXXXX account
Product: Student loan

My Name is XXXX XXXX XXXX. My daughter XXXX XXXX XXXX Has applied for XXXX student loans for the XXXX XXXX XXXX XXXX  XXXX Semesters at The XXXX XXXX XXXX XXXX in New York, NY. 

The first loan is at a Variable Rate, and the second is at a fixed rate. ( We had a request for a 0 % interest ). I have been paying for the first loan to avoid tarnishing my credit. 

I have visited the US Department of Education to present this misleading information and signing of a loan for a student loan at a Variable rate. I have called several times to fix this matter, with no resolution, and was told : " We are the faulty party. '' 1- Why would we sign up for a variable interest rate when we want a 0 % interest? 

XXXX XXXX is a XXXX ; she has another XXXX years of school ahead, 3-Why is one loan set with a fixed rate, and can she pay for it once she has graduated? 

4-I expect the refund for the money paid to Sallie Mae effective immediately, with penalties for forgery.

5- Both loans are to be transferred to the following institution with integrity XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN. XXXX 6-Copy of all these documents have been sent to US Department of Education Office for Civil Rights XXXX XXXX XXXX Department of Education Bldg XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX NO action From This Department ) American Banker Association XXXX  Office of the President of the United States of America. 

XXXX
Product: Credit card or prepaid card

Transaction of {$520.00} from merchant tm XXXX XXXX  XXXX on Citi Double Cash Card account is not a valid transaction and I am requesting that amount be credited back to my account and that this merchant/ transaction is investigated to further prevent fraud. The transaction originally showed up on our account in XXXX but thanks to the instant phone notifications from Citi Mobile App I was able to quickly contact customer service to cancel/ close that card and have a new card number sent out. Now however we are notified that amount is due and that the transaction was valid. I have multiple concerns about this transaction, and I can ensure it is not valid. We are taking this very seriously because this is the 3rd time we have had an issue with fraudulent transactions on this account and I can ensure you the following : - No authorized users of the card made a purchase ever from that merchant - Both card holders had possession of the card at the time of the purchase - The merchant tm XXXX XXXX XXXXXXXX is unknown to us and I have no contact information from this merchant - Immediately after the transaction was made we disputed the charge and closed that account to avoid further fraud It is most concerning that no information was provided to us about the charge, no phone number, address or contact information for the merchant or the transaction & no evidence was given to support that this was a valid charge. We were simply told it was not fraud and charged {$520.00} with no explanation. We were in contact with Citi customer service immediately at the time of the original transaction and after they notified us that they determined it wasn't a fraud transaction last month we mailed them a letter immediately as per their procedure for billing disputes. It has been since they received the letter and there was been no response from Citi customer service. 

Thank you for your help in resolving this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$42000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Debt collection

I received treat the local hospital emergency room XX/XX/2017. The visit was included in my bankruptcy which was discharged XX/XX/2018. I informed the agency the hospital was included in the bankruptcy and sent a copy of this discharge and list of creditors XX/XX/2018. They never followed up, but to continued to send collections letters. Requested that they validate the account and was sent list of treatment received instead. Now my account has been sold to Wakefield and Associates.
Product: Credit reporting

Transunion fails to remove the XXXX XXXX XXXX account.. Transunion reports incorrectly that this account has a credit limit of {$15.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency.. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 1 ) XXXX  account -is a fraudulent unauthorized account. 
2 ) XXXX XXXX is a fraudulent unauthorized account. 
3 ) XXXX XXXX XXXX late payments which was paid on time. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

i've sent letters to XXXX, XXXX, and transunion on XX/XX/2022. and now on XX/XX/2022 i still haven't received anything in response to the disputes i filed no mail or any updates on the accounts i disputed
Product: Debt collection

CMRE Financial Services sent a letter for collection of a Hospital bill that I have no knowledge of ... I requested CMRE to validate the aforementioned debt along with proof of their credential proving their legal right to collect the alleged debt per the Fair Debt Collection Practices Act and the Fair Credit reporting Act ... This request was sent via certified mail by the United States Postal Service ... ( See Attached Documentation ) ... The first response from CMRE was to issue a supposed bill ( See Attached ) with absolutely nothing referencing the supposed original debt on a sheet of paper with no letterhead markings from CMRE or the supposed original debt collector..I then sent a letter of refusal of their claims of the alleged debt for multiple reason, all based on the first aforementioned request for validation which very specific information was requested in order for me to further investigate the alleged debt..CMRE did not provide any of the Lawfully requested information ... After I sent the refusal of the incomplete, flimsy and unanswered documentation ( Via Certified Mail per the U.S.P.S ) that was sent for their so called validation..CMRE responded with a letter stating the validation had been proven..CMRE is in clear and blatant violation of the FDCPA and FCRA..THIS DEBT IS NOT MINE! and CMRE has in no way proven this debt to belong to me after being giving the LEGAL allotted time to do so ... .I request that CMRE be investigated for their disregard of the federal statues, remove this erroneous collection from all three of my credit bureau reports and they cease and desist all collection actions of this erroneous debt
Product: Debt collection

I was contacted by Wakefield and associates on behalf of XXXX XXXX XXXX regarding a bill for {$170.00}. The bill is dated XX/XX/XXXX. I was first contacted by phone XX/XX/XXXX. this contact was made by Wakefield associates and I explain to them the bill is not me. Ive never been two or heard of the people they represent. At the time theyre claiming the service I was hospitalized at XXXX XXXX in XXXX Illinois with an XXXX after a XXXX  XXXX on my left hand. I was at XXXX for three weeks. It is impossible for me to even been where they claim to generate the charge. I explain this was identity fraud and they were not willing to help and correct their problem. I have fraud alerts and all three credit bureaus dating back to XXXX. Wakefield associates has refused to correct their records. That is why I am filing this complaint on top of my alerting all three credit bureaus of the new fraud.
Product: Debt collection

Without notice bank accts I had my name on but not set up by me were emptied by " Legal Notice '' ( # XXXX ) - {$5400.00} from one and {$210.00} from the other on XX/XX/18 ( yesterday ). The Bank tells me Cooling and Winter LLC,  XXXX Ga. got a judge to grant this apparent order to seize this money. I never heard of them .I do remember a co that harassed me yrs ago name XXXX XXXX XXXX XXXX XXXX GA ( the phone # is the same XXXX ) Who rep themselves as atty but are debt collectors ... ... 

https : //www.consumerfinance.govXXXX they are notorious for these abuses.You all know already. 


the debt is 10 yrs old .The original lenders closed out the default cards. There is supposed to be a statute of limitations I understand. how are judges signing off on this activity for a co that maneuvers like this ( Changing Names )? Dont I have rights too? 
I want to add the bank to complaint as well .Its not rt to authorize a liquidation of accts with other folks ' name on them to collect a over 10 yr old closed debt ... without any notification! Its criminal.
Product: Credit reporting

Experian is showing a judgment from XXXX that should have never been reported on my credit report This judgement was investigated by XXXX and XXXX through you and was deleted and should have been taken off experian also.I have proof that I was exempt from paying this judgment from the courts there for should have never been reported on my credit This was judgment was filed in XXXX but was n't reported until XXXX. I would like this judgment taken off my credit because it is preventing me from buying a home. Please help.
Product: Credit card

I appealed a disputed transaction for the amount total of {$4700.00} through my credit card company Chase. I told them I paid for services rendered to XXXX XXXX by check, and I would like credit back for my charges. They denied giving me credit back because I was beyond the time statute of limitations.
Product: Credit reporting or other personal consumer reports

XXXX, I received an email from XXXX from OPM.GOV stating : XXXX has identified a change in your credit information. This could be the result of a new inquiry, line of credit or a change to an existing account. 

Upon investigation, I discovered a CREDIT INQUIRY from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This appears to be an application to open a credit card account that I did not authorize. 
I called XXXX at a number found online : XXXX and filed a fraud claim. I spoke with XXXX in the Fraud Department and she indicated that it was applied online using my SSN, my DOB, and a previous address. She is going to turn down this credit application and notify the credit bureaus. This inquiry needs to be removed from my credit reports.
Product: Debt collection

I was living in XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX TX XXXX. 
I moved out of XXXX XXXX XXXX  on XX/XX/2019. I received a letter that was mailed on XX/XX/2019 stating I owe money for last month utilities, cleaning, and damages with the total being XXXX. With XXXX being from water for the partial month I have never had a full month over XXXX. The letter stated I had 30 days to pay before it was sent to a collection agency. The letter did not give a way to pay and had xxx-xxx-xxxx for a number to call instead of an actual number. I tried calling the number listed on XXXX multiple times and was told I had to talk to XXXX but every time I called XXXX was not there and she would not return my calls. On XX/XX/XXXX I was told to send a money order for amount owed I sent money order certified mail that day. On XX/XX/2019 I was contacted by a collection agency saying I owed over 1000.00 from the same apartment. The collection agency name is Rent Recovery Solutions with their office in XXXX, Goergia. It has been less than 30 days, I have tried contacting them, the letter gave me no way to pay. I sent a money order on XX/XX/XXXX using certified mail. But the collection agency is saying I still owe money. I paid in full the bill I was sent within the 30 day time frame. I do not want this to effect my credit score since I paid off the debt in the allotted time.
Product: Credit reporting or other personal consumer reports

The items below are inaccurate and violate the Fair Credit Reporting Act 15 USC 1681e ( b ). Additionally under 15 USC 1681b ( a ) ( 2 ) you have shared my confidential information without my permission, breaching my privacy rights as per 15 USC 1681 a ( 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