23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Professional Debt MEDIATION continues to report fraudulent items on my credit report after being advised that Im a victim of Idenity Theft, I have provided them with the Identity Theft report from Idenitytheft.gov. The credit Bureaus have removed the debit several times and Professional Debt Mediation continues to report fraudulent items on my report, I have neednt disputing this with them for about a year now. If this continues Im will sue.
Product: Credit reporting or other personal consumer reports

Hello I am coming here today to let it be known that I went sent to capital one a letter notice via certified mail to let them know that they are permitting an unauthorized inquiry on my XXXX credit report. There is an inquiry on my XXXX report which is connected to an existing account that I have with capital one so I do not want that to be affected but there is an inquiry on my XXXX report dated XX/XX/2023 that is not connected to any accounts and that I wish to get wiped off of the report. I already sent capital one a letter of notice and demand for settlement concerning this situation and I wanted the CFPB to be aware of this so they can be alongside me through this journey just in case. Below I have attached the exact same letter I sent to Capital One via certified mail. The tracking number to the certified mail letter is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written numerous letters and disputed the Inquiries on my Trans Union Credit file. All to no avail. No matter what I do there has been no change to my credit report. Only XXXX  did a full investigation and removed these unwarranted inquiries from my credit file. Therefore, I am contacting you with hopes that Trans Union will do their appointed duty and remove unauthorized information from my credit file. These are the unauthorized Inquiries listed on my file. 1 ). XXXX XXXX XXXX XX/XX/XXXX, 2 ). XXXX XXXX XXXX XX/XX/XXXX, 3 ). XXXX XXXX XX/XX/XXXX, 4 ). XXXX XXXX XXXX XX/XX/XXXX, 5 ). XXXX XXXX XX/XX/XXXX, 6 ). XXXX XXXX XXXX. XX/XX/XXXX, 7 ). XXXX XXXX XXXX. XX/XX/XXXX, 8 ). XXXX, XXXX XX/XX/XXXX. I state under the penalty of perjury that I did not authorize any of the aforementioned companies too inquire into my credit report ( s ).
Product: Credit reporting or other personal consumer reports

CFPB, I am writing to again report that my rights under the FDCPA and the Fair Credit Reporting have been violated by all three credit bureaus, this is to specifically address Equifax. On several occasions, most recently XX/XX/2023, I have disputed inaccurate and previously unverified items to no avail. I sent in proof of my identity, proof of address, proof that my identity had been compromised in their data breach. I have yet to date to receive any correspondence of proof that the following accounts are mine : XXXX XXXX Incorrect reporting- Listed as Open Collection and Paid in settlement. 
Violation of FDCPA and the Fair Credit Reporting Act Resolve- Remove permanently. 

XXXX In violation of FDCPA and the Fair Credit Reporting Act, the debtor can not report the debt after it has been disputed and not provide validation/proof of debt as requested. XXXX and Equifax have failed to adhere and therefore this item should be promptly and permanently removed. 

XXXX XXXX XXXX {$370.00} XXXX XXXX {$670.00} XXXXXXXX XXXX In violation of FDCPA and the Fair Credit Reporting Act, the debtor can not report the debt after it has been disputed and not provide validation/proof of debt as requested. XXXXXXXX XXXX  and Equifax have failed to provide signatures, identification, etc. and therefore this item should be promptly and permanently removed. 

XXXX XXXX XXXX {$2100.00} XXXX In violation of FDCPA and the Fair Credit Reporting Act, the debtor can not report the debt after it has been disputed and not provide validation/proof of debt as requested. XXXX XXXX XXXX and Equifax have failed to provide signatures, identification, etc. and therefore this item should be promptly and permanently removed. 

Inquiries : XXXXXXXX XXXX  Unauthorized and Unverified XXXX XXXX XXXX  Unauthorized and Unverified XXXX XXXX Unauthorized and Unverified XXXX XXXX XXXX Unauthorized and Unverified XXXX XXXX XXXX  Unauthorized and Unverified XXXX XXXX XXXX Unauthorized and Unverified I have made numerous attempts to resolve this ongoing issue with XXXX and after they are continuing to ignore my request, I have no other choice but to also seek legal counsel and join any available class action lawsuits. It has been proven that my social security number as well as other personal information has been exposed and I have taken the necessary precautions, so it is time for XXXX to uphold the law and only report accurate and verifiable credit information. More than 30 days have passed, and they failed to provide proof within that time frame so I believe I am right in requesting all accounts/inquiries listed above be removed. 

I will be receiving an updated credit report, timely, with these items and any other unverifiable items removed or I will proceed with an attorney. I hope we can settle this matter soon and permanently.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX BANK 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORT AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 SECTION 604 : A SECTION 2 : IT ALSO STATES A CONSUMER REPORT AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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

When I log into my transunion account and click on anything, it says that it is unable to access my credit report and to call. 

I have called over XXXX times about this issue and it still not resolved. First they said there was no issue and it should be working, then they told me they found the issue and it should be fixed and to wait XXXX days. I waited a month and it was still not fixed. I called again, and then they said there was a glitch with my account they fixed and it's still not fixed. It's been over XXXX months since I have been able to access my credit report. 

I also noticed that when I check my credit score on an app on my phone, my other two credit scores have been increasing and transunion score hasn't moved. This means that my credit score has been affected by whatever is going on and I have no way of accessing the information.
Product: Money transfer, virtual currency, or money service

Tried to make a payment but the funds was sent to a wrong account and couldnt get the money back minutes after sending it. I was out {$1000.00} from a {$500.00} payment. I called XXXX, XXXX and my bank to get the funds returned but XXXX declined.
Product: Credit card

Since had this card for years with no annuals fees, and never paid one. But on XX/XX/year> the credit card charge a CAPITAL ONE MEMBER FEE of {$39.00}, without any advance notice of said fee nor an option to except or reject said fee. This is not an authorized fee nor any pre notification.
Product: Credit reporting or other personal consumer reports

I have reported that my balance and payment history is reporting incorrect on my credit. I would like for the account to be removed. This account was paid in full. 
Company credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I was continuously charged overdraft fees that I couldnt stop. I was charged more in fees than the actual charge. Severally causing the account to close. They are now seeking repayment from me and risk my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes and accidentally sending money to the wrong person. There has been numerous instances where I havent receive back my money after getting scammed by another user or accidentally sending money to the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS ON MY REPORT ARE NOT MINE, I HAVE NO KNOWLEDGE OF THESE ACCOUNTS
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

After being a customer with Discover they closed my account after 11-12 years. I recently purchased a home where the lender had the closing attorney write a check to various credit cards that had small balances. Myself or the attorney made the error in selecting the box to close the account instead of it remaining open. I was able to keep all the other 4 accounts open by making a call and explaining the matter. Discover on the other hand said they were unable to reopen the account once closed. I even had a letter drawn up from the closing attorney explaining that the incorrect box was checked and was not required for the account to be closed by the loan. Due to the length of the account on my history, this account being closed with hurt my credit. I want to do all I can to dispute this in order for this account to remain open so I can continue building good to great credit history. If there's anyway that Discover can reverse this accidental matter and keep this account open this would be not only hugely appreciated but will help for further investment purchases as well. Thank you for your time in reading and ultimately resolving this matter.
Product: Student loan

I spoke with Navient on XX/XX/24 regarding an application for School Misconduct Discharge Application for my XXXX private loans taken out in XXXX when I attended XXXX XXXX XXXX XXXX XXXX XXXX is on their list as a for profit school that misled students. I applied for the XXXX XXXX XXXX under this same school for my federal student loans and was approved due to the fraudulent practices by XXXX XXXXXXXX XXXX. Navient will not send me the discharge application form, stating my private loans with XXXX XXXXXXXX XXXX don't apply for discharge but can't provide any information as to why. I then spoke with another Navient representative, XXXX XXXX, and she said it will be reviewed by their XXXX Department and it will be a couple weeks before I receive the application. I just want to make sure I do receive the application as no one I spoke to at Navient seems to know anything about private student loan forgiveness. Thank you for your time and assistance. 

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

EQUIFAX HAS ALLOWED INFORMATION TO BE REPORTED TO MY CREDIT FILE. I HAVE ATTACHED A COPY OF MY REPORT THAT PROVIDES ME WITH NO CONTACT INFORMATION OF THE CREDITOR, WHO REPORTED IT AND THEIR INFORMATION. 

VIOLATION OF THE FDCPA REGULATION F LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly been disputing my credit report in which I believe contains a lot of incorrect info. The credit bureau has always come back with items verified or frivolous statements. I need to know who is verifying this information, any documentation signed by me, or validation from the negative credit companies listed. These negative items on my report has hinder me to get a house, car, or any other type of credit. According to the 15 U.S.C 1681 I should not have any negative items on my report. These negative information is defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. Today, I logged into XXXX to verify the information that was correct and incorrect. I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.
Product: Credit card or prepaid card

I have had a Sony Visa credit card for years. Comenity Bank is the current holder of my account ( since it's been sold at least 3 times now because I always pay the balance in full and nobody makes any money from me ), and it now sounds like Bread Financial has either taken over my account, or has purchased Comenity Bank. In any case, I tried to make a purchase on XXXX, like I've done hundreds of times, but XXXX said the purchase was declined. When I go to the Comenity web site, there is a banner across the top of the page stating " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' When I attempt to log in to my account, I get an error stating " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' I have also tried calling the phone number on the back of my credit card, and there's only a recording with a similar message telling me to call back later. I tried researching this problem online and it sounds like Comenity customers have been having these issues since XXXX XXXX, 2022 ( 5 days now ). 

At this point, I can't use my credit card and I have no idea when/if I will be able to use it again.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to customer service and unfair practices
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX! 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims! Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I will have no other choice to File a small Claims Lawsuit against you and XXXX XXXX XXXX! I have maintained careful records of your actions as well as XXXX XXXX XXXX! Im a victim of fraud and Im trying to get to the bottom of things and you have failed to provide me with help! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance, incorrect account number, incorrect name, an updated late pay, missing payment history of payments made before and after charge off, inaccurate date of last activity, an incorrect original credit limit, a late pay after account was closed, charge off listed as OPEN a collection account with a limit! 


Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action XXXX or in-action ) on your behalf will result in a small claims action against your company. 

I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX : Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  Amount : {$0.00}, and U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Amount : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the recent attempt to remove a late closed account from my credit history. 

I submitted a request to have a late closed account removed from my credit report. This account was [ briefly describe the nature of the account and the circumstances leading to its closure ]. I understand the importance of maintaining a positive credit history, and I took the initiative to rectify this matter promptly. 

To my disappointment, the first attempt to remove this late closed account appears to have been unsuccessful. I have thoroughly reviewed my credit report, and the derogatory information associated with the aforementioned account still persists. 

I am reaching out to seek clarification on why the initial attempt was unsuccessful and to request a detailed explanation of the steps taken to address this matter. Additionally, I would appreciate a clear timeline for the resolution of this issue. 

Maintaining a favorable credit history is crucial for my financial well-being, and the persistence of inaccurate or outdated information can have a significant impact on my creditworthiness. I trust that Credit Bureaus values its customers and is committed to ensuring the accuracy of the information reported to credit bureaus. I am asking for your help to remove this account immediately in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA {$6000.00} ( 15 U.5.0. 1681cXXXX2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 10 business days of you receiving this complaint. These XXXX XXXX XXXX fraudulent, inaccurate, and false information collections account opened in XX/XX/year> and has caused ad adversely negative affect on my consumer report. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The fraudulent accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraudulent accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud