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

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The dispute numbers were XXXX XXXX Equifax XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XXXX  or Equifax to resolve anything. There was also data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. The bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to XXXX XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

My vehicle was totalled out by XXXX XXXX and the amount owed was at the original amount of the loan when I took it out with US Auto Sales. I told them this was incorrect and that I did not sign a contract with them for my vehicle. It should have been closer to $ XXXX {$10000.00} after what I put down and my bi monthly payments. I was hung up on every time I tried to speak with a,. The insurance paid out {$9800.00} which was what was owed on the vehicle. They are reporting that I still have a balance and am XXXX days behind.
Product: Credit reporting or other personal consumer reports

This bank charged an account in XX/XX/23 its showing last payment made XX/XX/23 also showing open on Transunion along with missed payment reported today, This is a violation. Also showing late payments for the last XXXX month when they had the vehicle in their possession, also a violation. I will be reporting this to FTC.
Product: Debt collection

The collection company keeps calling my work talking to my school secretary. They called me, my daughter and my sister. The message they tell them all is that they are preparing a deposition aginst me for legal action for attorney record and civil complaint in accordance with Texas law. They say they are from North Western Mediation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX FIN XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XX/XX/XXXX ; XXXX XXXX . XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, New York ; ; Is refusing to help customer Made fun of their outfit I demand a response I wish to prosecute this person For Public Intimidation and Humiliation XXXX Event
Product: Debt collection

For the past 6 months, I have made arrangements to pay my debt to Money Recovery Nationwide. They have constantly every month opened a new collection on my credit reports. They are doing this because I have complained to them, and the Michigan Attorney General along with the consumer and financial protection bureau. I am in the process of getting a mortgage and they are constantly depleting my score on my credit files. They will not remove any paid debts and even though the debt is from the same company. They are filing them every month as a " New Collection ''. This is not a new collection. It is a medical bill that was never verified by myself or XXXX like I have asked. 

I would like them to remove ALL collections from All XXXX major bureaus immediately. They will not respond to any complaints legibly. They only will respond with : - Money Recovery is required by law to post them as new collections under the FCRA ( Which is not verified or true ) - Money Recovery does not do removals Also my complaint is Money Recovery Nationwide is not notifying people that their debts will be reported if it is not paid. They are collecting on the debts and not sending out receipts or notice that if it is not paid in a certain time that it will be reported.
Product: Money transfer, virtual currency, or money service

XX/XX/year> at XXXX XXXX I made a cash deposit at Huntington Bank ATM XXXX at XXXX XXXX XXXX, XXXX OH XXXX In the amount of {$1400.00} dollars. I filed a dispute over the phone and had been told they would look into my case and I would receive credit to my account in what I had deposited. I never received the credit they said would be on my account while they look through this issue. Today XX/XX/year> at XXXX XXXX I went into the branch I made the deposit with and they had seen that the ATM was over by what I made my claim. They said a similar situation had happened the same day and that customer claimed their lost funds already a day prior. Not only has my case been put on the back burner but I have not seen the promised credit to my account that was a CASH deposit.
Product: Consumer Loan

traded my car in on XXXX XXXX, XXXX to XXXX XXXX XXXX, In exchange for a XXXX XXXX XXXX. Have paid for the monthly car note for the month of XXXX. Dealer at XXXX XXXX did not send the check to XXXX XXXX until XXXX XXXX, XXXX. Now XXXX XXXX is saying that I owe for the month of XXXX. I had signed documents to release ownership of traded in car to XXXX XXXX on the XXXX of XXXX. Also signed documents to release ownership and registration of car to XXXX on the XXXX of XXXX. Release trade in car to XXXX XXXX on XXXX XXXX, XXXX. This was completed before the month of may when the next payment was due.
Product: Credit reporting or other personal consumer reports

I HAVE FILED SEVERAL IDENTITY THEFT CLAIMS AGAINST THIS COMPANY AND THEY HAVE REMOVED IT FROM MY XXXX CREDIT REPORT, HOWEVER THIS COMPANY NEEDS TO BE REMOVED FROM BOTH MY TRANSUNION AND XXXX CREDIT REPORTS WITHIN 30 DAYS ALONG WITH PAYMENT REIMBURSEMENT FOR PAYMENTS MADE TOWARDS THIS ACCOUNT, ALL OF MY BANK ACCOUNTS HAVE BEEN CLOSED DOWN FOR ALMOST TWO YEARS, I HAVE BEEN EVICTED FROM MY HOME WITHOUT TRANSPORTATION, NO UNEMPLOYMENT BENEFITS NOR ANY OTHER SUPPORT AS I HAVE EXPLAINED IN THE PAST, IN ADDITION I HAVE NO JOB, NO FOOD NOR ANYTHING AND I NEED THIS COMPANY REMOVED FROM BOTH MY XXXX AND TRANSUNION CREDIT REPORTS ALONG WITH REPAYMENT FOR PAYMENTS THAT WERE MADE TOWARDS THIS ACCOUNT THAT DOES NOT BELONG TO ME AT ALL!!! I HAVE PROVIDED ALL OF THE DOCUMENTATION THAT I HAVE TO RESOLVE THIS MATTER!!! I AM TRYING TO GET EMPLOYMENT, A VEHICLE AND A HOME HAVING THIS ON MY PLATE HAS KEPT ME FROM DOING SO AND I AM ALSO REQUESTING {$150000.00} IN DAMAGES FOR FINANCIAL AND EMOTIONAL DURESS. I HAVE EXPLAINED TO THEM THAT ALL COMMUNICATION IS TO BE DONE VIA EMAIL AS I DO NOT HAVE A WORKING PHONE NOR RESIDENCE AS I HAVE BEEN HOMELESS, WASHING MYSELF IN PUBLIC PLACES OR MOBILE SHOWERS. I HAVE NO FAMILY OR ANY RESOURCES ALONG WITH NOT ONE PENNY IN MY POCKET AND I WILL BE FILING BANKRUPTCY UPON ANY FUTURE EMPLOYMENT. THE PERSON WHO STOLE MY IDENTITY ADMITTED TO STEALING MY IDENTITY AND RUNNING UP MY CREDIT REPORTS AND THAT PERSON IS CURRENTLY INCARCERATED ON A DOMESTIC XXXX CHARGE. I WILL KEEP ON COMPLAINING AND DISPUTING THIS MATTER UNTIL THIS IS REMOVED FROM BOTH CREDIT REPORTS AND ANY OTHER RECORDS. I AM DONE DONE PLAYING GAMES WITH THEM AND I WOULD NOT BE USING PROFANE LANGUAGE OR COMMENTS IF THEY HAD DONE THEIR JOBS THE XXXX TIMES THAT THEY HAVE BEEN ASKED TO AND UNDERSTOOD THAT I HAVE A RIGHT AS A CONSUMER TO EXPRESS MYSELF ALONG WITH ANY OTHER OPINIONS AND IF THEY CAN NOT HANDLE THAT THEY NEED TO FIND ALTERNATE EMPLOYMENT ALONG WITH A TOUGH SKIN!!!
Product: Credit reporting or other personal consumer reports

RE : Account # To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX This debt has been reported on my credit report by TWO different agencies within the last year. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co-owners of any account in the past. How can this debt be verified if it is showing up on two different individual credit reports with two different agencies? The Equifax, XXXX, XXXX credit agencies are reporting this information as verified but how if this is on me and my fathers credit report? Exactly whose bill is it? According to the FCRA, if a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XXXX of XXXX form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice. The information being reported appears as a re-aged account the dates of the account being opened is incorrect with what is on my report and from my knowledge, this is not legal. Along with Names and addresses. The account Is being reported opening in XXXX and that is incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge on why this company ran my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX To : TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department , I am writing to formally request the removal of an account from my credit report as reported by TransUnion. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$10000.00} from XXXX XXXX  , listed on my XXXX XXXX, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align your records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received a email an alert stating that it was fraudulent activities. I reached out to Netspend and had them block and remove all cards and send me a new one which they did on XXXX I received new card! On XX/XX/XXXX I received a fraud alert, asking me that I knew XXXX XXXX reply back No! I called netspend and report that XXXX XXXX $ fraudulent transactions and XXXX more made by a XXXX b {$50.00} {$450.00} {$500.00} Netspend did nothing to protect my card from theses transactions my card wasnt blocked nor restricted until no more money was available! I was offered {$20.00} from netspend and now waiting for them to investigate which takes up to XX/XX/XXXX now Im left wondering how to pay bills and having trouble understanding how my card wasnt blocked when I received fraudulent alert! I was told it was a a temporary virtual card made on XX/XX/XXXX is how theses fraudulent activities were done
Product: Credit card

I have a Bank of American credit card. The due date is XX/XX/XXXX. I paid my balance in full on XX/XX/XXXX. However, I got charged a late fee of {$29.00} and I didn't get any notification of this charge. I didn't use this credit card after XX/XX/XXXX. In XX/XX/XXXX I found that my XXXX score decreased 69 points just because I didn't pay this late fee!! 

First of all, I paid my credit card in full ; second, Bank of American didn't notice me that they charged me a late fee. Without knowing it, they report me as delinquent to credit beau, which significantly impact my credit score! I have an excellent credit history and this late fee impact 69 points of XXXX  score!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I'm writing this letter to request that the charged off XXXX XXXX XXXX Credit Card ( Account # XXXX ) be removed from my personal credit file based on the following : - Business credit is in fact separate from personal credit. Therefore, the two should not be in one file. 
- To the best of my knowledge, I've never been given an opportunity in writing to dispute the debt ( e.g. interest charges, other charges etc. ) nor that this business credit account would be appearing in my personal credit file. 
- On XX/XX/2016 I'd began living in Virginia, and was not in GA to receive any mail by US mail. My address at the time was XXXX XXXX XXXX XXXX VA XXXX. I have attached documentation as proof. Since I wasn't there, there is no guarantee that I could have even gotten any more or that it wasn't intercepted by someone else like my ex-wife. 
- By the time I found out about this, it was certainly already too late. 
- Since that time, I have actively been working with XXXX XXXX to resolve the matter of this debt. The card had a high balance of approximately {$9800.00}. I have paid most of this debt to date, leaving a balance of just {$1400.00}.
Product: Money transfers

Google wallet allowed a cancelled payment to come out of my account without my authorization. They need to return this money to me as it was in my account period.
Product: Credit reporting or other personal consumer reports

The car loan has been charged off by the car loan company and its showing charged off on the credit reports but the car loan company is still attempting to collect from me on the loan that is charged off. This is illegal. This is fraud.
Product: Credit reporting or other personal consumer reports

Radius Global account number XXXX original creditor XXXX is reporting an open account and balance. we had a pay for delete agreement. I lived up to my end of the deal and made the full payment to handle the account and they never lived up to their end by deleting the account from my credit reports as they agreed to
Product: Checking or savings account

My son a minor has a XXXX XXXX Account opened XX/XX/XXXX, which is protected by law not to allow any withdraw of funds until he turns 18 years of age. The Bank of the West which is now BMO of NA is withdrawing service fee of {$5.00} every month. I called customer service numerous times to be told that this is bank policy. I demanded the bank stop the service fee withdraws and to refund the already {$35.00} of debited service fees. At this rate, the account will be depleted of funds before my XXXX turns XXXX  years of age. I was told by customer service that there will be negative funds and penalties if the account goes below XXXX balance. 

Please, assist me to protect my XXXX by law from such tactics. This type of account was created to protect children and their hard work by Coogan Law. 

I'm attaching a Court case " XXXX XXXX XXXX  XXXX XXXX ( XXXX ) '' which demonstrates that this is illegal to do by the Bank.