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

For the last eight years I was disputing negative accounts due to fraud.

They never investigate properly and i remain in bed credit for eight years as my score stays at XXXX. 
Statuary of limitation was expired in 2021 but XXXX XXXXXXXX XXXX fraud negative accounts are still not deleted.
Product: Debt collection

Receivables Performance XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Collecting on behalf of XXXX XXXX XXXX Is attempting to collect on a debt that I do not owe. Furthermore, they've reported this to my credit reports WITHOUT EVER TALKING TO ME FIRST. When I contacted them, their representative told me " we don't delete accounts from credit reports ''.
Product: Credit reporting or other personal consumer reports

My information was involved in the equifax data breach. In return, accounts were opened without my authorization!!!!!
Product: Debt collection

I put in a complaint maybe a week ago transworld systems Inc. Were calling and harrasing me from different numbers now they are calling impersonating an I.R.S. agent saying I owed them money and they were filing a case against me to call in and rectify the situation ... the first time I called they didn't say anything the second time I called they had a promted opening this is the IRS I am agent so and so to the end of the conversation so I asked them to pull up my XX/XX/XXXX & XX/XX/XXXX  taxes so they hang up I have the number they called from and the message they left. This is outrageous I don't owe the debt so they are going to these lengths and tactics to get me to agree to the debts so uncalled for and I would like some resolve.
Product: Bank account or service

I just looked at my bank account & saw that a {$2.00} transaction was submitted causing an overdraft of {$36.00} because I was {$1.00} short. I was told it was a paypale transaction. I went to the bank to complain, Commerce Bank and talked to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX ( XXXX ) XXXX & got NO Where. I 'm not an OPT-IN customer. so I would rather of had the transaction rejected.
Product: Debt collection

On XX/XX/XXXX, i received multiple calls and text messages from eastern account systems about a debt to XXXX XXXX  in the amount of XXXX, my last bill from XXXX  was XXXX on XX/XX/XXXX. I got Eastern account systems off of my credit it report XXXX XX/XX/XXXX due to incorrect amount due And then XXXX XXXX XXXX XXXX picked up the debt and opened it on XX/XX/XXXX for XXXX for XXXX and it's received several calls and text messages from the company. XXXXXXXX XXXX XXXX XXXXXXXX was deleted off my credit reports XX/XX/XXXX. For incorrect amount owed to XXXX/XXXX XXXX.
Product: Credit card

I had a secured credit card with Wells Fargo. XX/XX/2015, I received a letter to inform me that i I had graduated to an unsecured credit card and the collateral of {$300.00} was going to be refunded to me as well as my limit increasing to {$600.00}. The letter informed me that I would be receiving these funds via a check in the mail within 30 days. XX/XX/XXXX to XX/XX/XXXX, I went to a branch to enquire about wether they had sent my check. They advised to wait the complete 30 days. 
I went into a branch XX/XX/XXXX and spoke with the branch manager. He advised that the check had been cut on XX/XX/XXXX, confirmed the address ( which I received other mail from Wells Fargo in the mean time ) and attempted to advocate for my funds to be direct deposited to the account. The credit services lady said that they were not able to do so and that I would need to have another check issued and sent out. I was advised that this process would take 2 weeks. Because I was moving states within that time frame, the branch manager recommend I provide him with my new address in order to receive the check there. 
XX/XX/XXXX, I had still not received my check so I contacted the customer care phone number. They reconfirmed my address and had the correct one on file. Essentially, they advised that the 2 week period was 14 business days and that date coincided with XX/XX/XXXX and that it would be best to wait until XX/XX/XXXX before contacting them to action. 
XX/XX/XXXX, I still had not received my check so I decided to go into my local branch. The banker called credit services on my behalf and requested a direct deposit into my checking account with Wells Fargo and to cancel the second check I had never received. The lady he was speaking to filed appropriate papers while we were on the phone with her and advised that I did not need to fill anything out. I was advised that I would receive my funds within 3-5 business days. 
Monday XX/XX/XXXX, I called because the funds STILL had not hit my account. The guy I was speaking too explained that I would need to sign an affidavit to which I explained that the lady the banker and I spoke with said it was n't necessary as it had been done on the phone. He explained that this was a requirement and offered to send one to me via mail to take care of. After reiterating what had been done at the branch, he said he would call me back with information that afternoon as he would need to enquire further. I never received a call back. 
XX/XX/XXXX, I went into my branch AGAIN ( fourth time ) and spoke with my banker. He called credit services to find out what the delay was. They advised him that the phone call I had made the previous day had spurred them to action and the paperwork HAD NOT BEEN FILED until that day. Because of this, I would need to WAIT ANOTHER 3-5 BUSINESS DAYS! 
This is in no way shape or form how to deal with customers. I have monthly fees taken out of my account for their " service '' yet they ca n't give me my collateral back in a timely manner. 
The branch manager has filed an internal complaint which has since been escalated to the " executive level ''.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 also states a consumer reporting agency can not furnish an account without written my written instructions ). Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

My XXXX XXXX and Capital One Credit Card accounts are being reported as late multiple times on my XXXX, XXXX and XXXX reports. Please update as paid as agreed for all late payments on all three accounts.
Product: Debt collection

I called the credit card company fifth third bank and explained to them I do n't have an account with them and it 's on my credit report that I owe {$7.00}, and I was told the I 'm in someone else card as a authorize user and I 'm responsible for the dept and was told to fly to another state to there bank and give them my information so the can give me the card holders info so I can track them down and have them go to the bank and remove be from there card XX/07/2017
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue with credit bureaus regarding the removal of inaccurate bankruptcy information from my credit report. Also presenting copies of identification documentation such as Drivers License with current address, utility bill with current address, and ssn card. Despite my repeated attempts to address this matter since XXXX directly with XXXX, XXXX, and Equifax, they have failed to take appropriate action. 

For your reference, my personal information is as follows : - Full Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX, OH XXXX - Date of Birth : XX/XX/XXXX  - The specific bankruptcy listing in question is associated with the file number XXXX. 

Under 15 USC 1681 section of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must have permissible purposes for obtaining and reporting consumer information. I question who provided these agencies with permission to include a bankruptcy filing on my credit report. According to documentation I received from the U.S. Bankruptcy Court, they do not report data to credit reporting agencies. 

Furthermore, I received a letter from XXXX XXXX XXXX stating that they have filed a dispute on my behalf, but neither XXXX nor I have received any response from the credit bureaus. This lack of response is concerning and further demonstrates the failure of the credit reporting agencies to address this issue promptly. 

This inaccurate information has negatively impacted my creditworthiness and has caused significant distress. I have repeatedly requested the removal of this erroneous bankruptcy entry, yet the credit reporting agencies have failed to comply. 

I respectfully request the CFPB 's assistance in investigating this matter and ensuring the immediate removal of the inaccurate bankruptcy listing from my credit report. I also seek clarification on the permissible purposes under which the credit reporting agencies included this information and demand accountability for the persistent inaccuracy. 

Enclosed are copies of my correspondence with the credit reporting agencies, the documentation from the U.S. Bankruptcy Court, and the letter from XXXX XXXX XXXX. 

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

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

I am writing to formally request an investigation into inaccurate and potentially unverifiable items listed on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As stipulated by federal law, I request a thorough investigation and removal of these items if they can not be verified as accurate.

Please find attached documents that support my claim. These include [ list any relevant documents such as payment records, court documents, etc. ].

Under the FCRA, you are required to complete the investigation within 30 days of receiving this notice and to remove any information that is found to be inaccurate or can not be verified. Please ensure all information related to these items is thoroughly investigated and corrected or removed accordingly.

Please send me a written confirmation of the receipt of this letter, along with the outcomes of your investigation. I expect that all incorrect information will be removed, and a revised credit report will be sent to me at your earliest convenience.

Thank you for your attention to this matter. I look forward to your prompt response. Please feel free to contact me at my phone number or email address listed above if you need further information. 

Sincerely, XXXX
Product: Payday loan

While serving XXXX, I fell behind on money. I applied for a payday loan with NetCredit. After being charged over {$200.00} every two weeks and my balance not going do I did some research and found out I have a 153.01 % interest rate. When I contacted them about this being illegal for XXXX military they blew me off. Having this is ruining my credit score and I can not keep up.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX  XXXX XXXX Balance : {$8800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 ; If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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.
Product: Student loan

I took out a student loan in 2004 about {$26000.00}. I have been making payments over 20 years and they say I still owe XXXX. I disagree as I have been making monthly payments of {$190.00}. Every time I call and try to find out what is going on I get the run around. I need my password which I do n't remember. To set up a new they have security questions which I do n't remember the answers to. I have all the info to identify myself but they say no they will not speak with me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding identity theft that has significantly impacted my financial well-being. Upon reviewing my credit report, I discovered unauthorized accounts and inquiries, indicating fraudulent activity. 

Incident Details : - XX/XX/year>XXXX XXXX SUNBIT Amount {$1400.00} - Steps Taken So Far : Filed FTC Report This incident constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), both of which are designed to protect consumers from identity theft and ensure the accuracy of their credit reports. Specifically, the FCRA mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and provide consumers with mechanisms to dispute inaccurate or fraudulent information. Additionally, FACTA requires financial institutions and creditors to establish procedures to detect, prevent, and mitigate identity theft. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate enforcement actions against the parties responsible for the violations. Specifically, I seek : - Removal of any fraudulent accounts or inquiries from my credit report- Assurance that my credit information will be safeguarded moving forward Enclosed are copies of relevant documents. 

I urge the Consumer Financial Protection Bureau to act swiftly to address this issue and hold accountable those who have violated my rights under the FCRA and FACTA. 

Thank you for your attention to this matter. 

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

IVE REACHED OUT TO THIS COMPANY NUMEROUS TIMES TO UPDATE MY ADDRESS & THEY REFUSE TO DO SO. IVE SUBMITTED MY ID, UTILITY BILL ECT AND THEY REFUSE
Product: Credit reporting or other personal consumer reports

I contacted experian customer service and advised them that XXXX XXXX ( original creditor ) and XXXX  aka XXXX ( collection company ) are reporting the balance of XXXX as never paid. I uploaded my receipt the same day to experian showing proof and asking to remove both companies from my report. within 6 hours experian sends me a email saying the information is correct and will stay on my credit report. i contacted lvnv and asked them did they speak with experian and reported to them i still owed the balance? the collection agency told me they never heard from experian and credit buerau never look at the reportsXXXX XXXX XXXX  sent me a letter today again stating my balance is paid in full. i sent that to experian and today i get an update showing experian reposted the balance back to my account and documented it stating : bank/credit card over credit limit. this caused me to drop XXXX points on my credit. i am very disappointed in how this was handled by experian and i know all my rights were violated. can you please help me get this resolved? thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit score email notifying that XXXX XXXX XXXX card  XXXX XXXX ending in XXXX has reported credit card over limit when the repeated false/fraudulent charges from XXXX for {$15.00} are in dispute. Cardholder never made any such transactions for {$15.00} that would exceed card limit. Neither XXXX  XXXX card nor Experian credit reporting agency provide any manner of correctiong the problem, no pioint of contact, no customer service will respond to or remedy the matter. Only option provided is a chat bot with repetitive standardized answers that do not help. False disputed charges were reversed. Card is not over limit.
Product: Credit reporting or other personal consumer reports

I have reported Identity theft along with consumer law violations to Transunion on multiple occasions including on XX/XX/XXXX and XX/XX/XXXX. They HAVE ILLEGALLY IGNORED AND DISMISSED MY DISPUTES! I plan to initiate a lawsuit against Transunion for violating my consumer rights! I have provided Letters, My ID, Social Security Card, and an Identity theft report showing and proving these violations. TransUnion is in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information , 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy, and FCRA 605B Under 15 U.S.C. 1681c ( 2 ) - Block of information resulting from Identity Theft stating that the bureau MUST Delete Immediately. TransUnion must be held accountable and Remove these items that violate my rights and uphold the consumer laws put forward.
Product: Debt collection

XXXX XXXX is trying to collect a debt they never gave me a chance to dispute. I never received any mail stating that they were collecting this debt and they are posing as XXXX on my credit report trying to collect this debt. I mailed them a letter attached and received no response from them.
Product: Debt collection

This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately. 

LVNVFUNDG XXXX XXXX XXXX : {$2200.00} LVNVFUNDG XXXX XXXX XXXX : {$1300.00}
Product: Debt collection

This report shall sever as the formal and last notice of my intention to file suit against Midland your organization. You are currently reporting two accounts to my credit file in the amounts listed above. This account is a direct result of the 2017 XXXX  Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked my name, birth date, address, phone number, social and driver 's license number was compromised and used to open several accounts without my permission, this account is one of  them. I requested a full debt validation from your company, I have yet to receive any contact back. Legally you had 30 days to send me the following information listed below ; you have not done so. Please remove this information from my credit file as soon as possible.
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. Thanks for your help with this matter. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After disputing XXXX XXXX XXXX Total XXXX acct # XXXX multiple times I filed complaints with CFPB for the account with Transunion, XXXX and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however on my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the balance, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.